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Day Range
$7.81
$8.02
52-Week Range
$7.52
$15.10
Volume
1,141,206
50D / 200D Avg
$9.07
/
$10.97
Prev Close
$7.71
Price History
Financial Trends
Peer Comparison
vs Financial Services sector median (854 peers)
| Metric | Stock | Sector Median |
|---|---|---|
| P/E | 23.7 | 10.3 |
| P/B | 0.7 | 1.1 |
| ROE % | 3.0 | 11.7 |
| Net Margin % | 17.5 | 16.8 |
| Rev Growth 5Y % | 39.8 | 11.7 |
| D/E | 0.9 | 0.5 |
Analyst Price Target
Hold
$14.00
+79.3%
Forward P/E
7.1
Forward EPS
$1.10
EPS Growth (est.)
+0.0%
Est. Revenue
670 M
Earnings Estimates
| Period | EPS Est. | Revenue Est. | Analysts |
|---|---|---|---|
| FY2028 |
$1.32
$1.19 – $1.51
|
780 M | 1 |
| FY2027 |
$1.32
$0.84 – $2.11
|
750 M | 2 |
| FY2026 |
$1.10
$0.69 – $1.66
|
670 M | 3 |
Key Takeaways
Revenue grew 39.83% annually over 5 years — strong growth
Earnings declined -50.72% over the past year
ROE of 2.97% is below average
Net margin of 17.46% shows strong profitability
Negative free cash flow of -29.30M
Revenue growth is decelerating — 1Y growth trails 5Y average by 52.30%
Growth
Revenue Growth (5Y)
39.83%
Revenue (1Y)-12.47%
Earnings (1Y)-50.72%
FCF Growth (3Y)N/A
Quality
Return on Equity
2.97%
ROIC3.53%
Net Margin17.46%
Op. Margin52.42%
Safety
Debt / Equity
0.88
Current Ratio2.95
Interest Coverage1.40
Valuation
P/E Ratio
23.68
P/B Ratio0.70
EV/EBITDA15.22
Dividend Yield0.01%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | -12.47% | Revenue Growth (3Y) | -38.10% |
| Earnings Growth (1Y) | -50.72% | Earnings Growth (3Y) | -65.61% |
| Revenue Growth (5Y) | 39.83% | Earnings Growth (5Y) | N/A |
| Profitability | |||
| Revenue (TTM) | 413.36M | Net Income (TTM) | 72.19M |
| ROE | 2.97% | ROA | 1.09% |
| Gross Margin | 96.83% | Operating Margin | 52.42% |
| Net Margin | 17.46% | Free Cash Flow (TTM) | -29.30M |
| ROIC | 3.53% | FCF Growth (3Y) | N/A |
| Safety | |||
| Debt / Equity | 0.88 | Current Ratio | 2.95 |
| Interest Coverage | 1.40 | Dividend Yield | 0.01% |
| Valuation | |||
| P/E Ratio | 23.68 | P/B Ratio | 0.70 |
| P/S Ratio | 4.14 | PEG Ratio | -0.48 |
| EV/EBITDA | 15.22 | Dividend Yield | 0.01% |
| Market Cap | 1.71B | Enterprise Value | 3.30B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 413.36M | 472.25M | 1.08B | 270.62M | 108.12M |
| Net Income | 72.19M | 146.48M | 610.52M | 30.51M | -28.75M |
| EPS (Diluted) | 0.28 | 0.66 | 2.74 | 0.14 | -0.26 |
| Gross Profit | 400.25M | 341.23M | 1.06B | 195.62M | 51.67M |
| Operating Income | 216.68M | 253.59M | 815.67M | 109.02M | 2.79M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 6.64B | 6.18B | 5.84B | 4.29B | 3.74B |
| Total Liabilities | 3.51B | 2.92B | 2.63B | 1.90B | 1.63B |
| Shareholders' Equity | 2.45B | 2.42B | 2.29B | 1.74B | 1.70B |
| Total Debt | 2.15B | 1.78B | 1.55B | 1.27B | 1.03B |
| Cash & Equivalents | 566.44M | 469.93M | 220.55M | 107.66M | 180.26M |
| Current Assets | 655.92M | 681.11M | 516.77M | 245.68M | 287.85M |
| Current Liabilities | 221.97M | 12.10M | 34.42M | 16.82M | 13.92M |