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Day Range
$24.61
$24.72
52-Week Range
$22.72
$24.77
Volume
613,884
50D / 200D Avg
$24.39
/
$23.95
Prev Close
$24.58
Price History
Financial Trends
Peer Comparison
vs Financial Services sector median (854 peers)
| Metric | Stock | Sector Median |
|---|---|---|
| P/E | 24.9 | 10.3 |
| P/B | 0.9 | 1.1 |
| ROE % | 4.0 | 11.7 |
| Net Margin % | 4.6 | 16.8 |
| Rev Growth 5Y % | 0.5 | 11.7 |
| D/E | 0.3 | 0.5 |
Analyst Price Target
Hold
$18.33
-25.6%
Low: $17.00
High: $20.00
Forward P/E
21.2
Forward EPS
$1.16
EPS Growth (est.)
+0.0%
Est. Revenue
850 M
Earnings Estimates
| Period | EPS Est. | Revenue Est. | Analysts |
|---|---|---|---|
| FY2027 |
$1.12
$0.91 – $1.37
|
840 M | 2 |
| FY2026 |
$1.16
$1.09 – $1.30
|
850 M | 3 |
Key Takeaways
Revenue grew 0.52% annually over 5 years — modest growth
ROE of 3.99% is below average
Debt/Equity of 0.33 — conservative balance sheet
Negative free cash flow of -29.22M
Revenue growth is decelerating — 1Y growth trails 5Y average by 3.19%
Capital efficient — spends only 0.33% of revenue on capex
Growth
Revenue Growth (5Y)
0.52%
Revenue (1Y)-2.67%
Earnings (1Y)-3.47%
FCF Growth (3Y)N/A
Quality
Return on Equity
3.99%
ROIC3.01%
Net Margin4.64%
Op. Margin6.56%
Safety
Debt / Equity
0.33
Current Ratio0.15
Interest Coverage3.46
Valuation
P/E Ratio
24.88
P/B Ratio0.94
EV/EBITDA23.27
Dividend Yield0.00%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | -2.67% | Revenue Growth (3Y) | -1.44% |
| Earnings Growth (1Y) | -3.47% | Earnings Growth (3Y) | N/A |
| Revenue Growth (5Y) | 0.52% | Earnings Growth (5Y) | -22.90% |
| Profitability | |||
| Revenue (TTM) | 1.10B | Net Income (TTM) | 50.92M |
| ROE | 3.99% | ROA | 0.93% |
| Gross Margin | 39.40% | Operating Margin | 6.56% |
| Net Margin | 4.64% | Free Cash Flow (TTM) | -29.22M |
| ROIC | 3.01% | FCF Growth (3Y) | N/A |
| Safety | |||
| Debt / Equity | 0.33 | Current Ratio | 0.15 |
| Interest Coverage | 3.46 | Dividend Yield | 0.00% |
| Valuation | |||
| P/E Ratio | 24.88 | P/B Ratio | 0.94 |
| P/S Ratio | 1.15 | PEG Ratio | -6.27 |
| EV/EBITDA | 23.27 | Dividend Yield | 0.00% |
| Market Cap | 1.27B | Enterprise Value | 1.68B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 1.10B | 1.13B | 1.13B | 1.10B | 1.08B |
| Net Income | 50.92M | 52.74M | -38.60M | -402,000.0 | 144.12M |
| EPS (Diluted) | 0.99 | 1.03 | -0.73 | -0.01 | 2.67 |
| Gross Profit | 432.61M | 253.34M | 195.11M | 191.86M | 212.58M |
| Operating Income | 72.07M | 63.08M | -39.15M | -6.22M | 146.61M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 5.45B | 5.57B | 5.63B | 5.70B | 6.19B |
| Total Liabilities | 4.10B | 4.37B | 4.52B | 4.60B | 4.76B |
| Shareholders' Equity | 1.35B | 1.20B | 1.11B | 1.10B | 1.43B |
| Total Debt | 446.46M | 442.26M | 444.31M | 446.99M | 445.83M |
| Cash & Equivalents | 36.49M | 54.88M | 65.90M | 29.96M | 143.60M |
| Current Assets | 549.88M | 0.0 | 541.25M | 0.0 | 4.93B |
| Current Liabilities | 3.56B | 3.83B | 2.96B | 0.0 | 22.63M |