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Day Range
$19.67
$20.01
52-Week Range
$19.62
$20.89
Volume
8,035
50D / 200D Avg
$20.42
/
$20.42
Prev Close
$19.83
Quick Summary
Price History
Financial Trends
Peer Comparison
vs Financial Services sector median (855 peers)
| Metric | Stock | Sector Median |
|---|---|---|
| P/E | 3.0 | 10.3 |
| P/B | 0.4 | 1.1 |
| ROE % | 12.0 | 11.7 |
| Net Margin % | 10.8 | 16.8 |
| Rev Growth 5Y % | 7.3 | 11.7 |
| D/E | 0.4 | 0.5 |
Analyst Price Target
No analyst coverage available
Earnings Estimates
| Period | EPS Est. | Revenue Est. | Analysts |
|---|---|---|---|
| FY2029 |
$7.46
$7.46 – $7.46
|
7.63B | 1 |
| FY2028 |
$8.03
$8.03 – $8.03
|
7.44B | 1 |
| FY2027 |
$7.37
$7.37 – $7.37
|
6.79B | 1 |
No quarterly estimates available
Earnings Surprises
Last 8 quarters
| Quarter | Est. EPS | Actual EPS | Surprise |
|---|---|---|---|
| 2026-01-28 | $1.67 | $2.40 | +43.7% |
| 2025-10-22 | $1.85 | $1.92 | +3.8% |
| 2025-07-30 | $1.61 | $1.42 | -11.8% |
| 2025-04-23 | $1.64 | $0.48 | -70.8% |
| 2023-12-31 | N/A | $1.46 | — |
| 2023-09-30 | N/A | $0.60 | — |
| 2023-06-30 | N/A | $1.18 | — |
| 2023-03-31 | N/A | $1,365.27 | — |
Dividend History
7 yr streakYield
0.06%
Payout Ratio
0.20%
Growth (3Y)
-6.39%
Growth (5Y)
0.00%
| Ex-Date | Payment Date | Amount | Yield |
|---|---|---|---|
| Dec 31, 2025 | Jan 15, 2026 | $0.33 | 6.35% |
| Oct 01, 2025 | Oct 15, 2025 | $0.33 | 6.07% |
| Jul 01, 2025 | Jul 15, 2025 | $0.33 | 6.14% |
| Apr 01, 2025 | Apr 15, 2025 | $0.33 | 6.43% |
| Dec 31, 2024 | Jan 15, 2025 | $0.33 | 6.36% |
| Oct 01, 2024 | Oct 15, 2024 | $0.33 | 5.54% |
| Jul 01, 2024 | Jul 15, 2024 | $0.33 | 5.95% |
| Mar 28, 2024 | Apr 15, 2024 | $0.33 | 5.48% |
| Dec 28, 2023 | Jan 16, 2024 | $0.33 | 6.35% |
| Sep 28, 2023 | Oct 16, 2023 | $0.33 | 6.15% |
| Jun 29, 2023 | Jul 15, 2023 | $0.33 | 5.96% |
| Mar 30, 2023 | Apr 15, 2023 | $0.33 | 6.41% |
| Dec 29, 2022 | Jan 15, 2023 | $0.33 | 6.47% |
| Sep 29, 2022 | Oct 15, 2022 | $0.33 | 5.37% |
| Jun 30, 2022 | Jul 15, 2022 | $0.33 | 5.68% |
| Mar 31, 2022 | Apr 15, 2022 | $0.33 | 5.07% |
| Mar 15, 2022 | — | $0.29 | 5.37% |
| Dec 30, 2021 | Jan 15, 2022 | $0.33 | 5.02% |
| Sep 30, 2021 | Oct 15, 2021 | $0.33 | 4.78% |
| Jun 30, 2021 | Jul 15, 2021 | $0.33 | 4.91% |
Key Takeaways
Revenue grew 7.30% annually over 5 years — modest growth
ROE of 11.95% — decent returns on equity
Debt/Equity of 0.38 — conservative balance sheet
Generating 1.20B in free cash flow
P/E of 2.95 — trading at a low valuation
Cash machine — converts 175.73% of earnings into free cash flow
Growth
Revenue Growth (5Y)
7.30%
Revenue (1Y)6.72%
Earnings (1Y)-6.51%
FCF Growth (3Y)63.89%
Quality
Return on Equity
11.95%
ROIC10.09%
Net Margin10.77%
Op. Margin16.83%
Safety
Debt / Equity
0.38
Current RatioN/A
Interest Coverage1.31
Valuation
P/E Ratio
2.95
Forward P/E3.05
P/B Ratio0.35
EV/EBITDA1.79
Dividend Yield0.06%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 6.72% | Revenue Growth (3Y) | 10.92% |
| Earnings Growth (1Y) | -6.51% | Earnings Growth (3Y) | 14.39% |
| Revenue Growth (5Y) | 7.30% | Earnings Growth (5Y) | -4.58% |
| Profitability | |||
| Revenue (TTM) | 6.35B | Net Income (TTM) | 683.78M |
| ROE | 11.95% | ROA | 1.64% |
| Gross Margin | 84.33% | Operating Margin | 16.83% |
| Net Margin | 10.77% | Free Cash Flow (TTM) | 1.20B |
| ROIC | 10.09% | FCF Growth (3Y) | 63.89% |
| Safety | |||
| Debt / Equity | 0.38 | Current Ratio | N/A |
| Interest Coverage | 1.31 | ||
| Dividends | |||
| Dividend Yield | 0.06% | Payout Ratio | 0.20% |
| Dividend Growth (3Y) | -6.39% | Dividend Growth (5Y) | 0.00% |
| Consecutive Div Years | 7 yrs | ||
| Valuation | |||
| P/E Ratio | 2.95 | Forward P/E | 3.05 |
| P/B Ratio | 0.35 | P/S Ratio | 0.32 |
| PEG Ratio | -0.49 | Forward PEG | N/A |
| EV/EBITDA | 1.79 | Fwd EV/EBITDA | 1.47 |
| Forward P/S | 0.32 | Fwd Earnings Yield | 32.79% |
| FCF Yield | 59.57% | ||
| Market Cap | 2.02B | Enterprise Value | 1.91B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 6.35B | 5.95B | 5.16B | 4.58B | 4.79B |
| Net Income | 683.78M | 731.38M | 522.54M | 662.16M | 824.86M |
| EPS (Diluted) | 5.87 | 6.25 | 4.28 | 5.32 | 6.66 |
| Gross Profit | 5.35B | 4.91B | 4.29B | 4.31B | 4.66B |
| Operating Income | 1.07B | 1.09B | 855.38M | 1.01B | 1.17B |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 41.59B | 40.20B | 38.01B | 37.20B | 34.31B |
| Total Liabilities | -5.76B | 34.51B | 32.72B | 31.87B | 29.27B |
| Shareholders' Equity | 5.76B | 5.69B | 5.29B | 5.33B | 5.03B |
| Total Debt | 2.18B | 2.12B | 2.42B | 1.17B | 2.36B |
| Cash & Equivalents | 2.28B | 2.68B | 3.52B | 2.20B | 2.15B |
| Current Assets | 3.99B | 0.0 | 0.0 | 2.20B | 1.96B |
| Current Liabilities | 0.0 | 0.0 | 0.0 | 0.0 | 932.80M |
Strategy Scores
This stock passed the criteria for 3 strategies
Score = fit strength (0–100)
Rank = position among all matches
Recent Activity
Exited
Defensive Investing (Benjamin Graham)
Mar 26, 2026
Entered
Cash Flow Compounder
Mar 24, 2026
Entered
Deep Value Investing (Seth Klarman)
Mar 24, 2026
Entered
Price/Sales Ratio Focus (Ken Fisher)
Mar 24, 2026
Entered
Defensive Investing (Benjamin Graham)
Mar 24, 2026