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Day Range
$59.53
$60.07
52-Week Range
$54.01
$69.83
Volume
151,338
50D / 200D Avg
$62.19
/
$63.71
Prev Close
$60.36
Quick Summary
Price History
Financial Trends
Peer Comparison
vs Financial Services sector median (857 peers)
| Metric | Stock | Sector Median |
|---|---|---|
| P/E | 10.4 | 10.2 |
| P/B | 1.1 | 1.1 |
| ROE % | 10.5 | 11.7 |
| Net Margin % | 23.8 | 16.8 |
| Rev Growth 5Y % | 6.8 | 11.7 |
| D/E | 0.2 | 0.5 |
Analyst Price Target
Hold
$70.00
+17.2%
Forward P/E
10.24
Forward EPS
$5.87
EPS Growth (est.)
+0.0%
Est. Revenue
702.39M
Earnings Estimates
| Period | EPS Est. | Revenue Est. | Analysts |
|---|---|---|---|
| FY2027 |
$6.28
$6.03 – $6.69
|
740.15M | 5 |
| FY2026 |
$5.87
$5.52 – $6.13
|
702.39M | 5 |
No quarterly estimates available
Earnings Surprises
Last 8 quarters
| Quarter | Est. EPS | Actual EPS | Surprise |
|---|---|---|---|
| 2026-01-21 | $1.45 | $1.55 | +6.9% |
| 2025-10-15 | $1.40 | $1.52 | +8.6% |
| 2025-07-16 | $1.32 | $1.35 | +2.3% |
| 2025-04-16 | $1.23 | $1.29 | +4.9% |
| 2025-01-22 | $1.22 | $1.33 | +9.0% |
| 2024-10-16 | $1.16 | $1.30 | +12.1% |
| 2024-07-17 | $1.13 | $1.15 | +1.8% |
| 2024-04-17 | $1.13 | $1.09 | -3.5% |
Dividend History
7 yr streakYield
0.03%
Payout Ratio
0.35%
Growth (3Y)
3.30%
Growth (5Y)
-5.98%
| Ex-Date | Payment Date | Amount | Yield |
|---|---|---|---|
| Feb 03, 2026 | Feb 13, 2026 | $0.50 | 3.09% |
| Nov 04, 2025 | Nov 14, 2025 | $0.50 | 3.23% |
| Aug 05, 2025 | Aug 15, 2025 | $0.48 | 3.04% |
| Apr 29, 2025 | May 09, 2025 | $0.48 | 3.12% |
| Feb 04, 2025 | Feb 14, 2025 | $0.48 | 2.71% |
| Nov 05, 2024 | Nov 15, 2024 | $0.48 | 2.95% |
| Aug 06, 2024 | Aug 16, 2024 | $0.48 | 3.64% |
| Apr 29, 2024 | May 10, 2024 | $0.48 | 4.31% |
| Feb 06, 2024 | Feb 16, 2024 | $0.48 | 4.31% |
| Nov 02, 2023 | Nov 13, 2023 | $0.48 | 4.41% |
| Jul 31, 2023 | Aug 11, 2023 | $0.48 | 3.95% |
| May 01, 2023 | May 12, 2023 | $0.48 | 3.79% |
| Feb 01, 2023 | Feb 13, 2023 | $0.48 | 2.76% |
| Oct 28, 2022 | Nov 10, 2022 | $0.44 | 2.38% |
| Aug 01, 2022 | Aug 12, 2022 | $0.44 | 2.82% |
| May 02, 2022 | May 13, 2022 | $0.44 | 3.15% |
| Feb 02, 2022 | Feb 14, 2022 | $0.44 | 2.76% |
| Nov 01, 2021 | Nov 12, 2021 | $0.41 | 2.77% |
| Aug 02, 2021 | Aug 13, 2021 | $0.41 | 3.15% |
| May 04, 2021 | May 14, 2021 | $0.41 | 2.86% |
Key Takeaways
Revenue grew 6.76% annually over 5 years — modest growth
Earnings grew 15.68% over the past year
ROE of 10.50% — decent returns on equity
Net margin of 23.84% shows strong profitability
Debt/Equity of 0.19 — conservative balance sheet
Generating 247.95M in free cash flow
Growth
Revenue Growth (5Y)
6.76%
Revenue (1Y)-0.95%
Earnings (1Y)15.68%
FCF Growth (3Y)1.11%
Quality
Return on Equity
10.50%
ROIC7.81%
Net Margin23.84%
Op. Margin29.45%
Safety
Debt / Equity
0.19
Current Ratio0.02
Interest Coverage1.11
Valuation
P/E Ratio
10.43
Forward P/E10.24
P/B Ratio1.05
EV/EBITDA9.23
Dividend Yield0.03%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | -0.95% | Revenue Growth (3Y) | 5.11% |
| Earnings Growth (1Y) | 15.68% | Earnings Growth (3Y) | 3.15% |
| Revenue Growth (5Y) | 6.76% | Earnings Growth (5Y) | -0.71% |
| Profitability | |||
| Revenue (TTM) | 819.49M | Net Income (TTM) | 195.38M |
| ROE | 10.50% | ROA | 1.19% |
| Gross Margin | 79.04% | Operating Margin | 29.45% |
| Net Margin | 23.84% | Free Cash Flow (TTM) | 247.95M |
| ROIC | 7.81% | FCF Growth (3Y) | 1.11% |
| Safety | |||
| Debt / Equity | 0.19 | Current Ratio | 0.02 |
| Interest Coverage | 1.11 | ||
| Dividends | |||
| Dividend Yield | 0.03% | Payout Ratio | 0.35% |
| Dividend Growth (3Y) | 3.30% | Dividend Growth (5Y) | -5.98% |
| Consecutive Div Years | 7 yrs | ||
| Valuation | |||
| P/E Ratio | 10.43 | Forward P/E | 10.24 |
| P/B Ratio | 1.05 | P/S Ratio | 2.49 |
| PEG Ratio | 0.70 | Forward PEG | N/A |
| EV/EBITDA | 9.23 | Fwd EV/EBITDA | 9.01 |
| Forward P/S | 2.90 | Fwd Earnings Yield | 9.77% |
| FCF Yield | 12.17% | ||
| Market Cap | 2.04B | Enterprise Value | 2.23B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 819.49M | 827.33M | 741.69M | 643.14M | 630.77M |
| Net Income | 195.38M | 168.90M | 183.62M | 195.38M | 201.05M |
| EPS (Diluted) | 5.64 | 4.88 | 5.33 | 5.67 | 5.76 |
| Gross Profit | 647.71M | 595.36M | 605.34M | 613.38M | 640.55M |
| Operating Income | 241.36M | 209.49M | 227.09M | 240.78M | 246.59M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 16.35B | 16.20B | 15.67B | 15.83B | 16.80B |
| Total Liabilities | 14.41B | 14.43B | 14.02B | 14.38B | 15.11B |
| Shareholders' Equity | 1.95B | 1.77B | 1.65B | 1.46B | 1.69B |
| Total Debt | 372.62M | 606.48M | 713.80M | 511.81M | 592.63M |
| Cash & Equivalents | 182.77M | 501.86M | 254.46M | 243.06M | 2.13B |
| Current Assets | 286.20M | 586.03M | 317.56M | 3.09B | 5.82B |
| Current Liabilities | 14.14B | 13.64B | 13.21B | 14.05B | 14.74B |