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Day Range
$37.73
$38.34
52-Week Range
$25.75
$49.36
Volume
2,965,475
50D / 200D Avg
$43.17
/
$40.01
Prev Close
$36.99
Quick Summary
Price History
Financial Trends
Peer Comparison
vs Financial Services sector median (854 peers)
| Metric | Stock | Sector Median |
|---|---|---|
| P/E | 19.5 | 10.3 |
| P/B | 1.3 | 1.1 |
| ROE % | 7.0 | 11.6 |
| Net Margin % | 10.4 | 16.8 |
| Rev Growth 5Y % | 14.0 | 11.6 |
| D/E | 4.0 | 0.5 |
Analyst Price Target
Hold
$23.57
-38.1%
Low: $19.24
High: $34.00
Forward P/E
11.84
Forward EPS
$3.22
EPS Growth (est.)
+0.0%
Est. Revenue
51.09B
Earnings Estimates
| Period | EPS Est. | Revenue Est. | Analysts |
|---|---|---|---|
| FY2029 |
$4.56
$4.45 – $4.68
|
56.61B | 1 |
| FY2028 |
$4.50
$4.38 – $4.61
|
54.96B | 1 |
| FY2027 |
$3.97
$3.88 – $4.13
|
52.96B | 2 |
No quarterly estimates available
Earnings Surprises
Last 8 quarters
| Quarter | Est. EPS | Actual EPS | Surprise |
|---|---|---|---|
| 2026-02-04 | $0.54 | $0.37 | -31.7% |
| 2025-10-29 | $0.49 | $0.76 | +55.9% |
| 2025-07-30 | $0.70 | $0.72 | +2.9% |
| 2025-04-30 | $0.42 | $0.51 | +21.4% |
| 2025-02-04 | $0.31 | $0.23 | -25.8% |
| 2024-10-30 | $0.35 | $0.43 | +22.9% |
| 2024-08-14 | $0.30 | $0.34 | +13.3% |
| 2024-05-07 | $0.24 | $0.52 | +116.7% |
Dividend History
7 yr streakYield
0.02%
Payout Ratio
0.39%
Growth (3Y)
-3.45%
Growth (5Y)
-9.18%
| Ex-Date | Payment Date | Amount | Yield |
|---|---|---|---|
| Apr 22, 2026 | Apr 23, 2026 | $1.10 | 2.89% |
| Apr 16, 2025 | Apr 17, 2025 | $0.45 | 3.21% |
| Apr 30, 2024 | May 03, 2024 | $0.35 | 2.58% |
| Apr 12, 2023 | Apr 14, 2023 | $0.55 | 2.60% |
| Apr 12, 2022 | Apr 14, 2022 | $0.50 | 2.80% |
| Apr 13, 2021 | Apr 15, 2021 | $0.37 | 4.70% |
| Nov 24, 2020 | Nov 27, 2020 | $0.37 | 4.95% |
| May 05, 2020 | May 07, 2020 | $0.36 | 3.78% |
| May 06, 2019 | May 08, 2019 | $0.70 | 5.49% |
| May 07, 2018 | May 09, 2018 | $0.65 | 4.06% |
| May 08, 2017 | May 10, 2017 | $0.60 | 3.56% |
| May 12, 2016 | May 17, 2016 | $0.88 | 7.56% |
| Sep 18, 2015 | Sep 22, 2015 | $0.25 | 4.14% |
| May 11, 2015 | May 13, 2015 | $0.50 | 2.53% |
| May 12, 2014 | May 15, 2014 | $0.25 | 1.38% |
| May 06, 2013 | May 10, 2013 | $0.15 | 0.90% |
| May 07, 2012 | May 10, 2012 | $0.10 | 0.87% |
| Apr 19, 2007 | Apr 23, 2007 | $2.20 | 2.94% |
| Apr 20, 2006 | Jul 12, 2006 | $5.65 | 4.43% |
| Apr 22, 2005 | Apr 26, 2005 | $3.00 | 4.04% |
Key Takeaways
Revenue grew 13.95% annually over 5 years — strong growth
Earnings grew 33.44% over the past year
Debt/Equity of 3.95 — high leverage
Negative free cash flow of -15.62B
Revenue growth is decelerating — 1Y growth trails 5Y average by 34.38%
Capital efficient — spends only 3.32% of revenue on capex
Growth
Revenue Growth (5Y)
13.95%
Revenue (1Y)-20.43%
Earnings (1Y)33.44%
FCF Growth (3Y)N/A
Quality
Return on Equity
7.03%
ROIC1.18%
Net Margin10.43%
Op. Margin11.89%
Safety
Debt / Equity
3.95
Current Ratio0.42
Interest Coverage0.33
Valuation
P/E Ratio
19.54
Forward P/E11.84
P/B Ratio1.33
EV/EBITDA37.97
Dividend Yield0.02%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | -20.43% | Revenue Growth (3Y) | 1.45% |
| Earnings Growth (1Y) | 33.44% | Earnings Growth (3Y) | -48.70% |
| Revenue Growth (5Y) | 13.95% | Earnings Growth (5Y) | -2.50% |
| Profitability | |||
| Revenue (TTM) | 59.05B | Net Income (TTM) | 6.16B |
| ROE | 7.03% | ROA | 0.38% |
| Gross Margin | 63.65% | Operating Margin | 11.89% |
| Net Margin | 10.43% | Free Cash Flow (TTM) | -15.62B |
| ROIC | 1.18% | FCF Growth (3Y) | N/A |
| Safety | |||
| Debt / Equity | 3.95 | Current Ratio | 0.42 |
| Interest Coverage | 0.33 | ||
| Dividends | |||
| Dividend Yield | 0.02% | Payout Ratio | 0.39% |
| Dividend Growth (3Y) | -3.45% | Dividend Growth (5Y) | -9.18% |
| Consecutive Div Years | 7 yrs | ||
| Valuation | |||
| P/E Ratio | 19.54 | Forward P/E | 11.84 |
| P/B Ratio | 1.33 | P/S Ratio | 2.04 |
| PEG Ratio | 1.06 | Forward PEG | N/A |
| EV/EBITDA | 37.97 | Fwd EV/EBITDA | 19.12 |
| Forward P/S | 2.36 | Fwd Earnings Yield | 8.45% |
| FCF Yield | -12.98% | ||
| Market Cap | 120.35B | Enterprise Value | 266.61B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 59.05B | 74.22B | 57.38B | 36.82B | 35.03B |
| Net Income | 6.16B | 4.62B | 23.41B | 7.05B | 6.82B |
| EPS (Diluted) | 1.87 | 1.52 | 8.86 | 2.25 | 2.06 |
| Gross Profit | 37.59B | 41.09B | 32.36B | 30.73B | 32.18B |
| Operating Income | 7.02B | 6.19B | 24.17B | 8.88B | 8.67B |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 1.62T | 1.57T | 1.72T | 1.10T | 1.12T |
| Total Liabilities | 1.53T | 1.48T | 1.63T | 1.05T | 1.06T |
| Shareholders' Equity | 90.21B | 85.08B | 86.11B | 56.88B | 60.66B |
| Total Debt | 356.12B | 353.05B | 399.50B | 212.81B | 230.65B |
| Cash & Equivalents | 209.86B | 225.71B | 317.21B | 172.83B | 194.80B |
| Current Assets | 434.00B | 268.45B | 452.33B | 268.89B | 357.35B |
| Current Liabilities | 1.02T | 919.03B | 1.01T | 665.62B | 689.99B |