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Also listed as
INGVF
OTC
Day Range
$24.73
$25.30
52-Week Range
$16.47
$31.18
Volume
3,211,265
50D / 200D Avg
$28.49
/
$25.55
Prev Close
$25.12
Quick Summary
Price History
Financial Trends
Peer Comparison
vs Financial Services sector median (857 peers)
| Metric | Stock | Sector Median |
|---|---|---|
| P/E | 11.4 | 10.2 |
| P/B | 1.5 | 1.1 |
| ROE % | 12.7 | 11.7 |
| Net Margin % | 27.5 | 16.8 |
| Rev Growth 5Y % | -2.8 | 11.7 |
| D/E | 3.4 | 0.5 |
Analyst Price Target
Hold
$22.50
-9.2%
Forward P/E
10.84
Forward EPS
$2.38
EPS Growth (est.)
+0.0%
Est. Revenue
24.53B
Earnings Estimates
| Period | EPS Est. | Revenue Est. | Analysts |
|---|---|---|---|
| FY2028 |
$3.19
$3.10 – $3.27
|
27.98B | 1 |
| FY2027 |
$2.78
$2.61 – $2.94
|
26.30B | 2 |
| FY2026 |
$2.38
$2.36 – $2.38
|
24.53B | 2 |
No quarterly estimates available
Earnings Surprises
Last 8 quarters
| Quarter | Est. EPS | Actual EPS | Surprise |
|---|---|---|---|
| 2026-01-29 | $0.52 | $0.56 | +7.1% |
| 2025-10-30 | $0.64 | $0.70 | +9.4% |
| 2025-07-31 | $0.59 | $0.64 | +8.5% |
| 2025-05-02 | $0.56 | $0.49 | -12.5% |
| 2025-02-06 | $0.41 | $0.39 | -4.9% |
| 2024-10-31 | $0.30 | $0.65 | +114.2% |
| 2024-08-01 | $0.54 | $0.58 | +7.6% |
| 2024-05-02 | $0.46 | $0.52 | +12.3% |
Dividend History
6 yr streakYield
0.04%
Payout Ratio
0.47%
Growth (3Y)
22.16%
Growth (5Y)
12.04%
| Ex-Date | Payment Date | Amount | Yield |
|---|---|---|---|
| Apr 17, 2026 | May 01, 2026 | $0.75 | 5.09% |
| Jan 08, 2026 | Jan 23, 2026 | $0.17 | 4.25% |
| Aug 11, 2025 | Aug 25, 2025 | $0.41 | 4.83% |
| Apr 25, 2025 | May 09, 2025 | $0.80 | 6.26% |
| Jan 13, 2025 | Jan 23, 2025 | $0.14 | 3.26% |
| Aug 08, 2024 | Aug 19, 2024 | $0.38 | 7.24% |
| Apr 24, 2024 | May 10, 2024 | $0.82 | 7.68% |
| Aug 11, 2023 | Aug 21, 2023 | $0.38 | 6.15% |
| Apr 26, 2023 | May 12, 2023 | $0.41 | 7.48% |
| Jan 13, 2023 | Jan 23, 2023 | $0.07 | 7.00% |
| Aug 12, 2022 | Aug 22, 2022 | $0.15 | 8.83% |
| May 13, 2022 | May 25, 2022 | $0.21 | 12.99% |
| Apr 27, 2022 | May 16, 2022 | $0.39 | 10.81% |
| Oct 04, 2021 | Oct 19, 2021 | $0.47 | 5.02% |
| Feb 23, 2021 | Mar 03, 2021 | $0.15 | 1.32% |
| Aug 09, 2019 | Aug 19, 2019 | $0.27 | 7.85% |
| Apr 25, 2019 | May 09, 2019 | $0.50 | 6.17% |
| Aug 10, 2018 | Aug 21, 2018 | $0.28 | 5.92% |
| Apr 25, 2018 | May 11, 2018 | $0.53 | 4.83% |
| Aug 10, 2017 | Aug 21, 2017 | $0.29 | 4.10% |
Key Takeaways
Revenue declined -2.78% annually over 5 years
ROE of 12.65% — decent returns on equity
Net margin of 27.47% shows strong profitability
Debt/Equity of 3.41 — high leverage
Negative free cash flow of 0.0
P/E of 11.40 — trading at a low valuation
Growth
Revenue Growth (5Y)
-2.78%
Revenue (1Y)-65.31%
Earnings (1Y)-1.02%
FCF Growth (3Y)N/A
Quality
Return on Equity
12.65%
ROIC3.13%
Net Margin27.47%
Op. Margin39.71%
Safety
Debt / Equity
3.41
Current Ratio0.13
Interest Coverage0.00
Valuation
P/E Ratio
11.40
Forward P/E10.84
P/B Ratio1.45
EV/EBITDA20.61
Dividend Yield0.04%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | -65.31% | Revenue Growth (3Y) | -37.46% |
| Earnings Growth (1Y) | -1.02% | Earnings Growth (3Y) | -6.82% |
| Revenue Growth (5Y) | -2.78% | Earnings Growth (5Y) | 7.28% |
| Profitability | |||
| Revenue (TTM) | 23.04B | Net Income (TTM) | 6.33B |
| ROE | 12.65% | ROA | 0.60% |
| Gross Margin | 94.34% | Operating Margin | 39.71% |
| Net Margin | 27.47% | Free Cash Flow (TTM) | 0.0 |
| ROIC | 3.13% | FCF Growth (3Y) | N/A |
| Safety | |||
| Debt / Equity | 3.41 | Current Ratio | 0.13 |
| Interest Coverage | 0.00 | ||
| Dividends | |||
| Dividend Yield | 0.04% | Payout Ratio | 0.47% |
| Dividend Growth (3Y) | 22.16% | Dividend Growth (5Y) | 12.04% |
| Consecutive Div Years | 6 yrs | ||
| Valuation | |||
| P/E Ratio | 11.40 | Forward P/E | 10.84 |
| P/B Ratio | 1.45 | P/S Ratio | 3.13 |
| PEG Ratio | 0.39 | Forward PEG | N/A |
| EV/EBITDA | 20.61 | Fwd EV/EBITDA | 31.57 |
| Forward P/S | 2.94 | Fwd Earnings Yield | 9.23% |
| FCF Yield | 0.00% | ||
| Market Cap | 72.11B | Enterprise Value | 188.55B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 23.04B | 66.41B | 58.90B | 33.61B | 25.78B |
| Net Income | 6.33B | 6.39B | 7.29B | 3.67B | 4.78B |
| EPS (Diluted) | 2.12 | 1.65 | 1.16 | 1.01 | 1.23 |
| Gross Profit | 21.73B | 21.41B | 22.15B | 17.06B | 17.79B |
| Operating Income | 9.15B | 9.30B | 10.49B | 5.50B | 6.78B |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 1.05T | 1.02T | 975.58B | 967.82B | 951.29B |
| Total Liabilities | 1.00T | 969.24B | 923.40B | 917.41B | 896.63B |
| Shareholders' Equity | 49.70B | 50.31B | 51.24B | 49.91B | 53.92B |
| Total Debt | 169.33B | 171.33B | 150.00B | 119.50B | 116.01B |
| Cash & Equivalents | 52.89B | 69.96B | 89.89B | 87.25B | 106.06B |
| Current Assets | 106.31B | 116.13B | 131.33B | 119.50B | 137.20B |
| Current Liabilities | 819.08B | 757.05B | 734.25B | 749.88B | 746.49B |