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Day Range
$287.62
$295.79
52-Week Range
$275.60
$352.79
Volume
530,823
50D / 200D Avg
$307.24
/
$318.98
Prev Close
$293.36
Quick Summary
Price History
Financial Trends
Peer Comparison
vs Financial Services sector median (854 peers)
| Metric | Stock | Sector Median |
|---|---|---|
| P/E | 17.3 | 10.3 |
| P/B | 3.5 | 1.1 |
| ROE % | 20.2 | 11.7 |
| Net Margin % | 16.5 | 16.9 |
| Rev Growth 5Y % | 1.9 | 11.6 |
| D/E | 0.9 | 0.5 |
Analyst Price Target
Hold
$371.33
+28.3%
Low: $318.00
High: $409.00
Forward P/E
14.73
Forward EPS
$19.65
EPS Growth (est.)
+0.0%
Est. Revenue
10.51B
Earnings Estimates
| Period | EPS Est. | Revenue Est. | Analysts |
|---|---|---|---|
| FY2028 |
$25.45
$22.25 – $28.64
|
11.87B | 2 |
| FY2027 |
$22.35
$21.72 – $22.88
|
11.14B | 11 |
| FY2026 |
$19.65
$19.19 – $20.07
|
10.51B | 12 |
No quarterly estimates available
Earnings Surprises
Last 8 quarters
| Quarter | Est. EPS | Actual EPS | Surprise |
|---|---|---|---|
| 2026-02-03 | $7.96 | $8.12 | +2.0% |
| 2025-10-30 | $3.05 | $3.07 | +0.7% |
| 2025-07-31 | $2.63 | $2.86 | +8.7% |
| 2025-04-24 | $3.21 | $3.13 | -2.5% |
| 2025-02-04 | $8.01 | $8.13 | +1.5% |
| 2024-10-31 | $2.72 | $2.93 | +7.7% |
| 2024-07-25 | $2.34 | $2.55 | +9.0% |
| 2024-04-25 | $3.25 | $3.29 | +1.2% |
Dividend History
7 yr streakYield
0.01%
Payout Ratio
0.22%
Growth (3Y)
3.91%
Growth (5Y)
6.00%
| Ex-Date | Payment Date | Amount | Yield |
|---|---|---|---|
| Mar 31, 2026 | Apr 15, 2026 | $0.96 | 1.28% |
| Dec 31, 2025 | Jan 15, 2026 | $0.92 | 1.12% |
| Sep 30, 2025 | Oct 15, 2025 | $0.92 | 1.05% |
| Jun 30, 2025 | Jul 15, 2025 | $0.92 | 1.17% |
| Mar 31, 2025 | Apr 15, 2025 | $0.92 | 1.05% |
| Dec 31, 2024 | Jan 15, 2025 | $0.88 | 1.12% |
| Sep 30, 2024 | Oct 15, 2024 | $0.88 | 1.18% |
| Jun 28, 2024 | Jul 15, 2024 | $0.88 | 1.31% |
| Mar 27, 2024 | Apr 15, 2024 | $0.88 | 1.23% |
| Dec 28, 2023 | Jan 16, 2024 | $0.84 | 1.40% |
| Sep 28, 2023 | Oct 16, 2023 | $0.84 | 1.58% |
| Jun 29, 2023 | Jul 17, 2023 | $0.84 | 1.43% |
| Mar 30, 2023 | Apr 17, 2023 | $0.84 | 1.44% |
| Dec 29, 2022 | Jan 17, 2023 | $0.82 | 1.34% |
| Sep 29, 2022 | Oct 17, 2022 | $0.82 | 1.61% |
| Jun 29, 2022 | Jul 15, 2022 | $0.82 | 1.62% |
| Mar 30, 2022 | Apr 15, 2022 | $0.82 | 1.30% |
| Dec 30, 2021 | Jan 18, 2022 | $0.80 | 1.27% |
| Sep 29, 2021 | Oct 15, 2021 | $0.80 | 1.28% |
| May 27, 2021 | Jun 15, 2021 | $0.71 | 1.08% |
Key Takeaways
Revenue grew 1.92% annually over 5 years — modest growth
ROE of 20.17% indicates high profitability
Net margin of 16.53% shows strong profitability
Generating 1.55B in free cash flow
Revenue growth is decelerating — 1Y growth trails 5Y average by 4.16%
Cash machine — converts 96.32% of earnings into free cash flow
Growth
Revenue Growth (5Y)
1.92%
Revenue (1Y)-2.24%
Earnings (1Y)N/A
FCF Growth (3Y)18.39%
Quality
Return on Equity
20.17%
ROIC11.26%
Net Margin16.53%
Op. Margin23.01%
Safety
Debt / Equity
0.87
Current Ratio1.20
Interest Coverage8.59
Valuation
P/E Ratio
17.27
Forward P/E14.73
P/B Ratio3.48
EV/EBITDA14.10
Dividend Yield0.01%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | -2.24% | Revenue Growth (3Y) | 1.18% |
| Earnings Growth (1Y) | N/A | Earnings Growth (3Y) | 23.34% |
| Revenue Growth (5Y) | 1.92% | Earnings Growth (5Y) | -21.48% |
| Profitability | |||
| Revenue (TTM) | 9.71B | Net Income (TTM) | 1.61B |
| ROE | 20.17% | ROA | 5.44% |
| Gross Margin | 42.06% | Operating Margin | 23.01% |
| Net Margin | 16.53% | Free Cash Flow (TTM) | 1.55B |
| ROIC | 11.26% | FCF Growth (3Y) | 18.39% |
| Safety | |||
| Debt / Equity | 0.87 | Current Ratio | 1.20 |
| Interest Coverage | 8.59 | ||
| Dividends | |||
| Dividend Yield | 0.01% | Payout Ratio | 0.22% |
| Dividend Growth (3Y) | 3.91% | Dividend Growth (5Y) | 6.00% |
| Consecutive Div Years | 7 yrs | ||
| Valuation | |||
| P/E Ratio | 17.27 | Forward P/E | 14.73 |
| P/B Ratio | 3.48 | P/S Ratio | 2.86 |
| PEG Ratio | -0.01 | Forward PEG | N/A |
| EV/EBITDA | 14.10 | Fwd EV/EBITDA | 12.53 |
| Forward P/S | 2.64 | Fwd Earnings Yield | 6.79% |
| FCF Yield | 5.58% | ||
| Market Cap | 27.72B | Enterprise Value | 31.49B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 9.71B | 9.93B | 9.48B | 8.87B | 9.00B |
| Net Income | 1.61B | -98.00M | 1.06B | 1.01B | 4.22B |
| EPS (Diluted) | 16.26 | -0.96 | 9.95 | 8.98 | 14.90 |
| Gross Profit | 4.08B | 4.43B | 4.14B | 3.80B | 3.75B |
| Operating Income | 2.23B | 627.00M | 1.37B | 1.18B | 2.20B |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 29.53B | 27.68B | 29.09B | 31.77B | 34.97B |
| Total Liabilities | 21.48B | 19.66B | 19.50B | 21.68B | 21.66B |
| Shareholders' Equity | 7.98B | 7.94B | 9.52B | 10.02B | 13.26B |
| Total Debt | 6.90B | 5.93B | 5.94B | 5.48B | 5.49B |
| Cash & Equivalents | 3.13B | 1.89B | 1.42B | 1.26B | 4.49B |
| Current Assets | 16.87B | 15.11B | 13.43B | 15.84B | 18.49B |
| Current Liabilities | 14.00B | 12.60B | 12.63B | 14.78B | 14.72B |