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Day Range
$39.22
$40.27
52-Week Range
$29.07
$49.57
Volume
5,301,599
50D / 200D Avg
$44.71
/
$44.47
Prev Close
$39.23
Quick Summary
Price History
Financial Trends
Peer Comparison
vs Financial Services sector median (854 peers)
| Metric | Stock | Sector Median |
|---|---|---|
| P/E | 68.3 | 10.3 |
| P/B | 1.9 | 1.1 |
| ROE % | 2.8 | 11.7 |
| Net Margin % | 1.7 | 16.9 |
| Rev Growth 5Y % | 0.1 | 11.6 |
| D/E | 6.5 | 0.5 |
Analyst Price Target
Hold
$54.20
+35.8%
Low: $49.00
High: $60.00
Forward P/E
14.26
Forward EPS
$2.77
EPS Growth (est.)
+0.0%
Est. Revenue
9.34B
Earnings Estimates
| Period | EPS Est. | Revenue Est. | Analysts |
|---|---|---|---|
| FY2028 |
$4.67
$3.98 – $5.35
|
10.52B | 1 |
| FY2027 |
$3.37
$3.19 – $3.47
|
10.80B | 1 |
| FY2026 |
$2.77
$2.71 – $2.88
|
9.34B | 1 |
No quarterly estimates available
Dividend History
7 yr streakYield
0.01%
Payout Ratio
0.46%
Growth (3Y)
-16.16%
Growth (5Y)
-1.73%
| Ex-Date | Payment Date | Amount | Yield |
|---|---|---|---|
| Mar 17, 2026 | Mar 31, 2026 | $0.07 | 0.63% |
| Dec 16, 2025 | Dec 31, 2025 | $0.06 | 0.53% |
| Sep 12, 2025 | Sep 29, 2025 | $0.09 | 0.52% |
| Jun 13, 2025 | Jun 30, 2025 | $0.09 | 0.59% |
| Mar 14, 2025 | Mar 31, 2025 | $0.09 | 0.65% |
| Dec 16, 2024 | Dec 31, 2024 | $0.08 | 0.54% |
| Sep 12, 2024 | Sep 27, 2024 | $0.08 | 0.63% |
| Jun 13, 2024 | Jun 28, 2024 | $0.08 | 0.73% |
| Mar 12, 2024 | Mar 28, 2024 | $0.08 | 0.69% |
| Nov 29, 2023 | Dec 29, 2023 | $0.07 | 0.79% |
| Aug 30, 2023 | Sep 29, 2023 | $0.07 | 0.95% |
| May 30, 2023 | Jun 30, 2023 | $0.07 | 1.20% |
| Feb 27, 2023 | Mar 31, 2023 | $0.07 | 1.22% |
| Nov 29, 2022 | Dec 30, 2022 | $0.14 | 1.24% |
| Aug 30, 2022 | Sep 29, 2022 | $0.14 | 1.12% |
| May 30, 2022 | Jun 30, 2022 | $0.14 | 1.06% |
| Feb 25, 2022 | Mar 31, 2022 | $0.14 | 0.96% |
| Nov 29, 2021 | Dec 31, 2021 | $0.13 | 0.89% |
| Aug 30, 2021 | Sep 29, 2021 | $0.13 | 0.89% |
| May 27, 2021 | Jun 30, 2021 | $0.13 | 0.98% |
Key Takeaways
Revenue grew 0.13% annually over 5 years — modest growth
Earnings grew 103.90% over the past year
ROE of 2.79% is below average
Debt/Equity of 6.54 — high leverage
Negative free cash flow of 0.0
P/E of 68.31 — premium valuation
Growth
Revenue Growth (5Y)
0.13%
Revenue (1Y)-11.49%
Earnings (1Y)103.90%
FCF Growth (3Y)N/A
Quality
Return on Equity
2.79%
ROIC4.53%
Net Margin1.72%
Op. Margin28.60%
Safety
Debt / Equity
6.54
Current Ratio1.14
Interest Coverage1.21
Valuation
P/E Ratio
68.31
Forward P/E14.26
P/B Ratio1.87
EV/EBITDA17.71
Dividend Yield0.01%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | -11.49% | Revenue Growth (3Y) | -10.91% |
| Earnings Growth (1Y) | 103.90% | Earnings Growth (3Y) | 7.55% |
| Revenue Growth (5Y) | 0.13% | Earnings Growth (5Y) | -24.23% |
| Profitability | |||
| Revenue (TTM) | 76.13B | Net Income (TTM) | 1.31B |
| ROE | 2.79% | ROA | 0.25% |
| Gross Margin | 38.80% | Operating Margin | 28.60% |
| Net Margin | 1.72% | Free Cash Flow (TTM) | 0.0 |
| ROIC | 4.53% | FCF Growth (3Y) | N/A |
| Safety | |||
| Debt / Equity | 6.54 | Current Ratio | 1.14 |
| Interest Coverage | 1.21 | ||
| Dividends | |||
| Dividend Yield | 0.01% | Payout Ratio | 0.46% |
| Dividend Growth (3Y) | -16.16% | Dividend Growth (5Y) | -1.73% |
| Consecutive Div Years | 7 yrs | ||
| Valuation | |||
| P/E Ratio | 68.31 | Forward P/E | 14.26 |
| P/B Ratio | 1.87 | P/S Ratio | 1.17 |
| PEG Ratio | 0.58 | Forward PEG | N/A |
| EV/EBITDA | 17.71 | Fwd EV/EBITDA | 118.73 |
| Forward P/S | 9.56 | Fwd Earnings Yield | 7.01% |
| FCF Yield | 0.00% | ||
| Market Cap | 89.28B | Enterprise Value | 385.65B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 76.13B | 86.01B | 95.92B | 92.77B | 75.73B |
| Net Income | 1.31B | 641.00M | 1.13B | 2.06B | 3.97B |
| EPS (Diluted) | 0.50 | 0.21 | 0.41 | 0.79 | 1.59 |
| Gross Profit | 29.53B | 18.07B | 14.52B | 14.26B | 11.73B |
| Operating Income | 21.78B | 17.99B | 14.45B | 14.14B | 11.62B |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 518.97B | 490.42B | 490.10B | 441.28B | 391.00B |
| Total Liabilities | 352.78B | 325.04B | 321.85B | 299.39B | 256.26B |
| Shareholders' Equity | 47.80B | 45.98B | 45.78B | 43.75B | 46.36B |
| Total Debt | 312.61B | 234.79B | 233.71B | 214.07B | 175.93B |
| Cash & Equivalents | 16.24B | 15.05B | 11.22B | 14.40B | 12.69B |
| Current Assets | 71.38B | 56.18B | 46.70B | 53.39B | 56.27B |
| Current Liabilities | 62.35B | 86.12B | 91.13B | 77.75B | 65.08B |
