Back
Day Range
$13.50
$13.79
52-Week Range
$11.29
$15.42
Volume
658,546
50D / 200D Avg
$14.24
/
$13.61
Prev Close
$13.39
Price History
Financial Trends
Peer Comparison
vs Financial Services sector median (854 peers)
| Metric | Stock | Sector Median |
|---|---|---|
| P/E | 41.9 | 10.3 |
| P/B | 2.0 | 1.1 |
| ROE % | 4.8 | 11.7 |
| Net Margin % | 11.5 | 16.8 |
| Rev Growth 5Y % | 15.5 | 11.7 |
| D/E | 2.6 | 0.5 |
Analyst Price Target
Hold
$15.00
+10.5%
Forward P/E
41.1
Forward EPS
$0.33
EPS Growth (est.)
+0.0%
Est. Revenue
340 M
Earnings Estimates
| Period | EPS Est. | Revenue Est. | Analysts |
|---|---|---|---|
| FY2027 |
$0.36
$0.35 – $0.36
|
360 M | 1 |
| FY2026 |
$0.33
$0.33 – $0.33
|
340 M | 1 |
Key Takeaways
Revenue grew 15.52% annually over 5 years — strong growth
ROE of 4.84% is below average
Debt/Equity of 2.59 — high leverage
Generating 70.97M in free cash flow
P/E of 41.86 — premium valuation
Revenue growth is decelerating — 1Y growth trails 5Y average by 11.15%
Growth
Revenue Growth (5Y)
15.52%
Revenue (1Y)4.37%
Earnings (1Y)14.29%
FCF Growth (3Y)-8.96%
Quality
Return on Equity
4.84%
ROIC1.27%
Net Margin11.49%
Op. Margin14.48%
Safety
Debt / Equity
2.59
Current Ratio0.05
Interest Coverage0.24
Valuation
P/E Ratio
41.86
P/B Ratio2.01
EV/EBITDA72.17
Dividend Yield0.02%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 4.37% | Revenue Growth (3Y) | 11.82% |
| Earnings Growth (1Y) | 14.29% | Earnings Growth (3Y) | 9.94% |
| Revenue Growth (5Y) | 15.52% | Earnings Growth (5Y) | 2.94% |
| Profitability | |||
| Revenue (TTM) | 791.96M | Net Income (TTM) | 90.96M |
| ROE | 4.84% | ROA | 0.52% |
| Gross Margin | 40.28% | Operating Margin | 14.48% |
| Net Margin | 11.49% | Free Cash Flow (TTM) | 70.97M |
| ROIC | 1.27% | FCF Growth (3Y) | -8.96% |
| Safety | |||
| Debt / Equity | 2.59 | Current Ratio | 0.05 |
| Interest Coverage | 0.24 | Dividend Yield | 0.02% |
| Valuation | |||
| P/E Ratio | 41.86 | P/B Ratio | 2.01 |
| P/S Ratio | 4.81 | PEG Ratio | 2.83 |
| EV/EBITDA | 72.17 | Dividend Yield | 0.02% |
| Market Cap | 3.81B | Enterprise Value | 8.28B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 791.96M | 758.78M | 633.35M | 433.14M | 444.65M |
| Net Income | 90.96M | 79.59M | 75.25M | 74.57M | 81.01M |
| EPS (Diluted) | 0.32 | 0.28 | 0.26 | 0.26 | 0.29 |
| Gross Profit | 318.97M | 304.66M | 306.50M | 290.20M | 295.93M |
| Operating Income | 114.72M | 100.31M | 93.37M | 92.05M | 100.09M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 17.46B | 17.09B | 16.92B | 15.79B | 14.06B |
| Total Liabilities | 15.56B | 15.23B | 14.99B | 13.95B | 12.33B |
| Shareholders' Equity | 1.89B | 1.86B | 1.93B | 1.84B | 1.73B |
| Total Debt | 4.90B | 4.82B | 5.30B | 4.82B | 3.13B |
| Cash & Equivalents | 429.44M | 463.72M | 466.75M | 369.56M | 488.33M |
| Current Assets | 546.04M | 1.05B | 1.03B | 867.73M | 941.22M |
| Current Liabilities | 10.45B | 10.20B | 9.45B | 9.01B | 9.08B |