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Day Range
$31.41
$32.30
52-Week Range
$23.75
$34.30
Volume
703,031
50D / 200D Avg
$32.23
/
$30.98
Prev Close
$31.08
Price History
Financial Trends
Peer Comparison
vs Financial Services sector median (854 peers)
| Metric | Stock | Sector Median |
|---|---|---|
| P/E | 10.7 | 10.3 |
| P/B | 0.8 | 1.1 |
| ROE % | 7.5 | 11.7 |
| Net Margin % | 16.0 | 16.8 |
| Rev Growth 5Y % | 21.2 | 11.7 |
| D/E | 0.6 | 0.5 |
Analyst Price Target
Hold
$32.25
+1.9%
Low: $30.50
High: $34.00
Forward P/E
10.3
Forward EPS
$3.09
EPS Growth (est.)
+0.0%
Est. Revenue
770 M
Earnings Estimates
| Period | EPS Est. | Revenue Est. | Analysts |
|---|---|---|---|
| FY2027 |
$3.24
$3.20 – $3.27
|
800 M | 3 |
| FY2026 |
$3.09
$3.03 – $3.14
|
770 M | 3 |
Key Takeaways
Revenue grew 21.24% annually over 5 years — strong growth
Net margin of 16.03% shows strong profitability
Generating 208.25M in free cash flow
P/E of 10.70 — trading at a low valuation
Revenue growth is decelerating — 1Y growth trails 5Y average by 22.82%
Cash machine — converts 92.12% of earnings into free cash flow
Growth
Revenue Growth (5Y)
21.24%
Revenue (1Y)-1.58%
Earnings (1Y)13.01%
FCF Growth (3Y)2.32%
Quality
Return on Equity
7.49%
ROIC4.47%
Net Margin16.03%
Op. Margin20.54%
Safety
Debt / Equity
0.60
Current Ratio0.15
Interest Coverage0.42
Valuation
P/E Ratio
10.70
P/B Ratio0.80
EV/EBITDA12.36
Dividend Yield0.04%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | -1.58% | Revenue Growth (3Y) | 13.46% |
| Earnings Growth (1Y) | 13.01% | Earnings Growth (3Y) | -6.29% |
| Revenue Growth (5Y) | 21.24% | Earnings Growth (5Y) | 5.34% |
| Profitability | |||
| Revenue (TTM) | 1.41B | Net Income (TTM) | 226.07M |
| ROE | 7.49% | ROA | 0.85% |
| Gross Margin | 50.90% | Operating Margin | 20.54% |
| Net Margin | 16.03% | Free Cash Flow (TTM) | 208.25M |
| ROIC | 4.47% | FCF Growth (3Y) | 2.32% |
| Safety | |||
| Debt / Equity | 0.60 | Current Ratio | 0.15 |
| Interest Coverage | 0.42 | Dividend Yield | 0.04% |
| Valuation | |||
| P/E Ratio | 10.70 | P/B Ratio | 0.80 |
| P/S Ratio | 1.72 | PEG Ratio | 1.92 |
| EV/EBITDA | 12.36 | Dividend Yield | 0.04% |
| Market Cap | 2.42B | Enterprise Value | 3.58B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 1.41B | 1.43B | 1.10B | 733.38M | 652.60M |
| Net Income | 226.07M | 200.04M | 257.43M | 236.33M | 183.62M |
| EPS (Diluted) | 2.63 | 2.50 | 3.72 | 3.39 | 2.39 |
| Gross Profit | 717.73M | 704.33M | 701.11M | 658.61M | 565.60M |
| Operating Income | 289.64M | 256.06M | 325.08M | 300.04M | 233.14M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 26.70B | 28.06B | 22.47B | 20.77B | 19.65B |
| Total Liabilities | 23.66B | 25.06B | 20.05B | 18.50B | 17.52B |
| Shareholders' Equity | 3.04B | 3.00B | 2.43B | 2.27B | 2.13B |
| Total Debt | 1.82B | 3.32B | 3.65B | 2.13B | 1.72B |
| Cash & Equivalents | 657.31M | 2.38B | 980.65M | 683.97M | 2.09B |
| Current Assets | 3.48B | 5.18B | 3.07B | 2.80B | 4.28B |
| Current Liabilities | 23.18B | 21.37B | 16.35B | 16.32B | 15.76B |