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Day Range
$22.18
$22.68
52-Week Range
$15.19
$26.56
Volume
5,236,419
50D / 200D Avg
$24.07
/
$22.56
Prev Close
$21.85
Price History
Financial Trends
Peer Comparison
vs Financial Services sector median (854 peers)
| Metric | Stock | Sector Median |
|---|---|---|
| P/E | 11.0 | 10.3 |
| P/B | 1.2 | 1.1 |
| ROE % | 11.1 | 11.7 |
| Net Margin % | 19.7 | 16.8 |
| Rev Growth 5Y % | 12.1 | 11.7 |
| D/E | 0.5 | 0.5 |
Key Takeaways
Revenue grew 12.12% annually over 5 years — strong growth
Earnings grew 26.84% over the past year
ROE of 11.13% — decent returns on equity
Net margin of 19.72% shows strong profitability
Generating 955.00M in free cash flow
P/E of 11.02 — trading at a low valuation
Growth
Revenue Growth (5Y)
12.12%
Revenue (1Y)0.97%
Earnings (1Y)26.84%
FCF Growth (3Y)-13.01%
Quality
Return on Equity
11.13%
ROIC7.16%
Net Margin19.72%
Op. Margin25.70%
Safety
Debt / Equity
0.52
Current Ratio0.96
Interest Coverage0.82
Valuation
P/E Ratio
11.02
P/B Ratio1.22
EV/EBITDA11.27
Dividend Yield0.03%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 0.97% | Revenue Growth (3Y) | 2.82% |
| Earnings Growth (1Y) | 26.84% | Earnings Growth (3Y) | 4.68% |
| Revenue Growth (5Y) | 12.12% | Earnings Growth (5Y) | -0.40% |
| Profitability | |||
| Revenue (TTM) | 4.99B | Net Income (TTM) | 983.00M |
| ROE | 11.13% | ROA | 1.17% |
| Gross Margin | 67.32% | Operating Margin | 25.70% |
| Net Margin | 19.72% | Free Cash Flow (TTM) | 955.00M |
| ROIC | 7.16% | FCF Growth (3Y) | -13.01% |
| Safety | |||
| Debt / Equity | 0.52 | Current Ratio | 0.96 |
| Interest Coverage | 0.82 | Dividend Yield | 0.03% |
| Valuation | |||
| P/E Ratio | 11.02 | P/B Ratio | 1.22 |
| P/S Ratio | 2.17 | PEG Ratio | 0.31 |
| EV/EBITDA | 11.27 | Dividend Yield | 0.03% |
| Market Cap | 10.83B | Enterprise Value | 14.44B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 4.99B | 4.94B | 4.72B | 3.41B | 3.15B |
| Net Income | 983.00M | 775.00M | 897.00M | 900.00M | 999.00M |
| EPS (Diluted) | 1.88 | 1.36 | 1.54 | 1.53 | 1.74 |
| Gross Profit | 3.36B | 2.95B | 2.90B | 3.03B | 3.30B |
| Operating Income | 1.28B | 1.01B | 1.13B | 1.16B | 1.28B |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 83.88B | 82.15B | 81.66B | 78.95B | 89.09B |
| Total Liabilities | 74.73B | 73.04B | 72.37B | 70.41B | 80.60B |
| Shareholders' Equity | 8.85B | 8.82B | 9.00B | 8.25B | 8.20B |
| Total Debt | 4.57B | 4.60B | 3.70B | 4.10B | 3.71B |
| Cash & Equivalents | 961.00M | 2.44B | 2.34B | 2.45B | 16.05B |
| Current Assets | 68.45B | 8.94B | 10.73B | 11.28B | 24.76B |
| Current Liabilities | 71.34B | 69.53B | 68.84B | 66.33B | 77.45B |