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Day Range
$3.25
$3.32
52-Week Range
$2.74
$3.94
Volume
1,000
50D / 200D Avg
$3.63
/
$3.43
Prev Close
$3.26
Quick Summary
Price History
Financial Trends
Peer Comparison
vs Financial Services sector median (854 peers)
| Metric | Stock | Sector Median |
|---|---|---|
| P/E | 37.5 | 10.3 |
| P/B | 8.2 | 1.1 |
| ROE % | 17.1 | 11.7 |
| Net Margin % | 4.0 | 16.9 |
| Rev Growth 5Y % | 6.8 | 11.6 |
| D/E | 11.0 | 0.5 |
Analyst Price Target
No analyst coverage available
Earnings Estimates
| Period | EPS Est. | Revenue Est. | Analysts |
|---|---|---|---|
| FY2030 |
$0.42
$0.42 – $0.42
|
14.10B | 1 |
| FY2029 |
$0.41
$0.41 – $0.41
|
13.60B | 1 |
| FY2028 |
$0.37
$0.37 – $0.37
|
13.16B | 1 |
No quarterly estimates available
Earnings Surprises
Last 8 quarters
| Quarter | Est. EPS | Actual EPS | Surprise |
|---|---|---|---|
| 2026-03-11 | $0.14 | $0.05 | -65.7% |
| 2025-08-06 | $0.15 | $0.07 | -51.7% |
| 2025-03-12 | $0.13 | $0.00 | -103.3% |
| 2024-08-07 | $0.14 | $0.04 | -70.1% |
| 2024-05-23 | $0.15 | $0.03 | -82.8% |
| 2023-06-30 | $0.14 | $0.06 | -55.9% |
| 2022-12-31 | $0.21 | $0.22 | +5.5% |
| 2022-06-30 | $0.19 | $0.22 | +14.4% |
Dividend History
Yield
0.06%
Payout Ratio
N/A
Growth (3Y)
N/A
Growth (5Y)
N/A
No dividend history available.
Key Takeaways
Revenue grew 6.77% annually over 5 years — modest growth
Earnings grew 160.69% over the past year
ROE of 17.08% — decent returns on equity
Debt/Equity of 11.00 — high leverage
Generating 4.50B in free cash flow
P/E of 37.52 — premium valuation
Growth
Revenue Growth (5Y)
6.77%
Revenue (1Y)-3.26%
Earnings (1Y)160.69%
FCF Growth (3Y)N/A
Quality
Return on Equity
17.08%
ROIC2.26%
Net Margin3.97%
Op. Margin6.57%
Safety
Debt / Equity
11.00
Current RatioN/A
Interest Coverage2.92
Valuation
P/E Ratio
37.52
Forward P/EN/A
P/B Ratio8.19
EV/EBITDA32.41
Dividend Yield0.06%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | -3.26% | Revenue Growth (3Y) | 6.45% |
| Earnings Growth (1Y) | 160.69% | Earnings Growth (3Y) | 4.38% |
| Revenue Growth (5Y) | 6.77% | Earnings Growth (5Y) | -29.80% |
| Profitability | |||
| Revenue (TTM) | 12.54B | Net Income (TTM) | 497.92M |
| ROE | 17.08% | ROA | 0.09% |
| Gross Margin | 97.75% | Operating Margin | 6.57% |
| Net Margin | 3.97% | Free Cash Flow (TTM) | 4.50B |
| ROIC | 2.26% | FCF Growth (3Y) | N/A |
| Safety | |||
| Debt / Equity | 11.00 | Current Ratio | N/A |
| Interest Coverage | 2.92 | ||
| Dividends | |||
| Dividend Yield | 0.06% | Payout Ratio | N/A |
| Dividend Growth (3Y) | N/A | Dividend Growth (5Y) | N/A |
| Consecutive Div Years | N/A | ||
| Valuation | |||
| P/E Ratio | 37.52 | Forward P/E | N/A |
| P/B Ratio | 8.19 | P/S Ratio | 1.49 |
| PEG Ratio | 0.22 | Forward PEG | N/A |
| EV/EBITDA | 32.41 | Fwd EV/EBITDA | N/A |
| Forward P/S | N/A | Fwd Earnings Yield | N/A |
| FCF Yield | 24.07% | ||
| Market Cap | 18.68B | Enterprise Value | 26.70B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 12.54B | 12.96B | 11.07B | 10.19B | 9.65B |
| Net Income | 497.92M | 191.00M | 457.00M | 783.00M | 2.05B |
| EPS (Diluted) | 0.08 | 0.03 | 0.07 | 0.12 | 0.33 |
| Gross Profit | 12.26B | 12.59B | 10.72B | 9.90B | 8.99B |
| Operating Income | 823.87M | 332.00M | 76.00M | 868.00M | 9.65B |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 582.17B | 544.17B | 522.10B | 513.27B | 580.42B |
| Total Liabilities | 579.86B | 540.66B | 517.31B | 507.74B | 575.01B |
| Shareholders' Equity | 2.28B | 3.55B | 4.83B | 5.56B | 10.98B |
| Total Debt | 25.11B | 7.70B | 6.12B | 5.56B | 5.45B |
| Cash & Equivalents | 17.10B | 16.66B | 20.51B | 35.78B | 16.49B |
| Current Assets | 25.93B | 7.04B | 20.51B | 35.78B | 16.49B |
| Current Liabilities | 0.0 | 314.00M | 346.00M | 517.00M | 59.09B |