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Day Range
$23.90
$24.16
52-Week Range
$23.59
$26.15
Volume
20,444
50D / 200D Avg
$24.84
/
$25.12
Prev Close
$23.91
Quick Summary
Price History
Financial Trends
Peer Comparison
vs Financial Services sector median (854 peers)
| Metric | Stock | Sector Median |
|---|---|---|
| P/E | 2.3 | 10.3 |
| P/B | 0.3 | 1.1 |
| ROE % | 11.9 | 11.6 |
| Net Margin % | 5.9 | 16.8 |
| Rev Growth 5Y % | -3.9 | 11.6 |
| D/E | 0.6 | 0.5 |
Analyst Price Target
No analyst coverage available
Earnings Estimates
| Period | EPS Est. | Revenue Est. | Analysts |
|---|---|---|---|
| FY2029 |
$17.40
$17.40 – $17.40
|
66.30B | 1 |
| FY2028 |
$16.58
$16.58 – $16.58
|
60.76B | 1 |
| FY2027 |
$15.48
$15.48 – $15.48
|
59.98B | 1 |
No quarterly estimates available
Earnings Surprises
Last 6 quarters
| Quarter | Est. EPS | Actual EPS | Surprise |
|---|---|---|---|
| 2026-02-03 | $3.37 | $2.58 | -23.4% |
| 2025-10-29 | $3.72 | $4.05 | +8.9% |
| 2025-07-30 | $3.22 | $1.50 | -53.4% |
| 2025-04-30 | $3.18 | $1.98 | -37.7% |
| 2023-12-31 | N/A | $3.65 | — |
| 2022-12-31 | N/A | -$2.81 | — |
Dividend History
4 yr streakYield
0.22%
Payout Ratio
0.54%
Growth (3Y)
51.27%
Growth (5Y)
N/A
| Ex-Date | Payment Date | Amount | Yield |
|---|---|---|---|
| Feb 13, 2026 | Mar 02, 2026 | $0.37 | 5.98% |
| Nov 14, 2025 | Dec 01, 2025 | $0.37 | 6.02% |
| Aug 15, 2025 | Sep 02, 2025 | $0.37 | 5.87% |
| May 15, 2025 | Jun 02, 2025 | $0.37 | 6.08% |
| Feb 14, 2025 | Mar 03, 2025 | $0.37 | 5.97% |
| Nov 15, 2024 | Dec 02, 2024 | $0.37 | 5.82% |
| Aug 15, 2024 | Sep 03, 2024 | $0.37 | 5.62% |
| May 14, 2024 | Jun 03, 2024 | $0.37 | 5.94% |
| Feb 14, 2024 | Mar 01, 2024 | $0.37 | 5.83% |
| Nov 14, 2023 | Dec 01, 2023 | $0.37 | 6.00% |
| Aug 14, 2023 | Sep 01, 2023 | $0.37 | 6.18% |
| May 12, 2023 | Jun 01, 2023 | $0.37 | 4.69% |
| Feb 14, 2023 | Mar 01, 2023 | $0.37 | 3.16% |
| Nov 14, 2022 | Dec 01, 2022 | $0.43 | 1.81% |
Key Takeaways
Revenue declined -3.88% annually over 5 years
Earnings grew 31.13% over the past year
ROE of 11.86% — decent returns on equity
Generating 6.27B in free cash flow
P/E of 2.34 — trading at a low valuation
PEG of 0.07 suggests growth is underpriced
Growth
Revenue Growth (5Y)
-3.88%
Revenue (1Y)-13.68%
Earnings (1Y)31.13%
FCF Growth (3Y)-1.85%
Quality
Return on Equity
11.86%
ROIC6.80%
Net Margin5.88%
Op. Margin7.87%
Safety
Debt / Equity
0.63
Current Ratio11.47
Interest Coverage2.27
Valuation
P/E Ratio
2.34
Forward P/E1.67
P/B Ratio0.26
EV/EBITDA1.87
Dividend Yield0.22%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | -13.68% | Revenue Growth (3Y) | 6.11% |
| Earnings Growth (1Y) | 31.13% | Earnings Growth (3Y) | 19.89% |
| Revenue Growth (5Y) | -3.88% | Earnings Growth (5Y) | -20.31% |
| Profitability | |||
| Revenue (TTM) | 60.77B | Net Income (TTM) | 3.58B |
| ROE | 11.86% | ROA | 0.46% |
| Gross Margin | 42.04% | Operating Margin | 7.87% |
| Net Margin | 5.88% | Free Cash Flow (TTM) | 6.27B |
| ROIC | 6.80% | FCF Growth (3Y) | -1.85% |
| Safety | |||
| Debt / Equity | 0.63 | Current Ratio | 11.47 |
| Interest Coverage | 2.27 | ||
| Dividends | |||
| Dividend Yield | 0.22% | Payout Ratio | 0.54% |
| Dividend Growth (3Y) | 51.27% | Dividend Growth (5Y) | N/A |
| Consecutive Div Years | 4 yrs | ||
| Valuation | |||
| P/E Ratio | 2.34 | Forward P/E | 1.67 |
| P/B Ratio | 0.26 | P/S Ratio | 0.14 |
| PEG Ratio | 0.07 | Forward PEG | N/A |
| EV/EBITDA | 1.87 | Fwd EV/EBITDA | 2.87 |
| Forward P/S | 0.14 | Fwd Earnings Yield | 59.88% |
| FCF Yield | 74.87% | ||
| Market Cap | 8.38B | Enterprise Value | 8.96B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 60.77B | 70.41B | 53.98B | 54.58B | 71.18B |
| Net Income | 3.58B | 2.73B | 2.49B | -2.15B | 8.87B |
| EPS (Diluted) | 9.99 | 7.53 | 6.74 | -4.49 | 19.51 |
| Gross Profit | 25.55B | 70.41B | 53.98B | 54.58B | 71.18B |
| Operating Income | 4.79B | 57.06B | 41.06B | -989.00M | 10.44B |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 773.74B | 735.59B | 721.12B | 689.03B | 937.58B |
| Total Liabilities | 738.16B | 705.46B | 691.34B | 657.11B | 874.97B |
| Shareholders' Equity | 32.44B | 27.87B | 27.82B | 30.59B | 61.88B |
| Total Debt | 20.30B | 28.77B | 27.24B | 28.02B | 30.24B |
| Cash & Equivalents | 19.71B | 18.50B | 19.42B | 17.30B | 12.93B |
| Current Assets | 19.75B | 8.28B | 19.42B | 24.90B | 30.88B |
| Current Liabilities | 1.72B | 17.47B | 13.26B | 13.58B | 24.80B |
