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Day Range
$38.83
$39.86
52-Week Range
$29.52
$47.27
Volume
3,193,544
50D / 200D Avg
$41.06
/
$40.54
Prev Close
$38.43
Price History
Financial Trends
Peer Comparison
vs Financial Services sector median (854 peers)
| Metric | Stock | Sector Median |
|---|---|---|
| P/E | 14.2 | 10.3 |
| P/B | 0.8 | 1.1 |
| ROE % | 5.8 | 11.7 |
| Net Margin % | 7.0 | 16.8 |
| Rev Growth 5Y % | 3.3 | 11.7 |
| D/E | 1.4 | 0.5 |
Analyst Price Target
Hold
$51.40
+31.1%
Low: $42.00
High: $57.00
Forward P/E
7.5
Forward EPS
$5.26
EPS Growth (est.)
+0.0%
Est. Revenue
9 B
Earnings Estimates
| Period | EPS Est. | Revenue Est. | Analysts |
|---|---|---|---|
| FY2028 |
$7.09
$5.61 – $7.94
|
10 B | 3 |
| FY2027 |
$6.33
$5.68 – $6.68
|
9.6 B | 12 |
| FY2026 |
$5.26
$4.08 – $5.66
|
9 B | 12 |
Key Takeaways
Revenue grew 3.25% annually over 5 years — modest growth
Earnings grew 27.54% over the past year
Negative free cash flow of -647.00M
P/E of 14.23 — trading at a low valuation
PEG of 0.53 suggests growth is underpriced
Revenue growth is decelerating — 1Y growth trails 5Y average by 29.00%
Growth
Revenue Growth (5Y)
3.25%
Revenue (1Y)-25.75%
Earnings (1Y)27.54%
FCF Growth (3Y)N/A
Quality
Return on Equity
5.80%
ROIC2.12%
Net Margin7.01%
Op. Margin8.65%
Safety
Debt / Equity
1.40
Current Ratio0.90
Interest Coverage0.16
Valuation
P/E Ratio
14.23
P/B Ratio0.78
EV/EBITDA22.70
Dividend Yield0.03%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | -25.75% | Revenue Growth (3Y) | -12.75% |
| Earnings Growth (1Y) | 27.54% | Earnings Growth (3Y) | -5.65% |
| Revenue Growth (5Y) | 3.25% | Earnings Growth (5Y) | -27.36% |
| Profitability | |||
| Revenue (TTM) | 12.15B | Net Income (TTM) | 852.00M |
| ROE | 5.80% | ROA | 0.43% |
| Gross Margin | 51.98% | Operating Margin | 8.65% |
| Net Margin | 7.01% | Free Cash Flow (TTM) | -647.00M |
| ROIC | 2.12% | FCF Growth (3Y) | N/A |
| Safety | |||
| Debt / Equity | 1.40 | Current Ratio | 0.90 |
| Interest Coverage | 0.16 | Dividend Yield | 0.03% |
| Valuation | |||
| P/E Ratio | 14.23 | P/B Ratio | 0.78 |
| P/S Ratio | 1.00 | PEG Ratio | 0.53 |
| EV/EBITDA | 22.70 | Dividend Yield | 0.03% |
| Market Cap | 12.12B | Enterprise Value | 23.86B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 12.15B | 16.37B | 15.97B | 12.10B | 10.69B |
| Net Income | 852.00M | 668.00M | 957.00M | 1.71B | 3.06B |
| EPS (Diluted) | 2.37 | 1.80 | 2.78 | 5.03 | 8.22 |
| Gross Profit | 6.32B | 6.73B | 7.10B | 7.84B | 8.54B |
| Operating Income | 1.05B | 836.00M | 1.10B | 2.34B | 3.86B |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 196.00B | 191.84B | 196.33B | 191.83B | 182.11B |
| Total Liabilities | 180.50B | 177.93B | 182.63B | 178.97B | 165.06B |
| Shareholders' Equity | 15.50B | 13.90B | 13.70B | 12.86B | 17.05B |
| Total Debt | 21.77B | 19.23B | 20.98B | 20.30B | 17.20B |
| Cash & Equivalents | 10.03B | 10.29B | 6.95B | 5.57B | 5.06B |
| Current Assets | 147.39B | 30.54B | 27.78B | 32.16B | 39.17B |
| Current Liabilities | 163.43B | 154.59B | 159.33B | 155.54B | 142.35B |