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Day Range
$10.94
$11.35
52-Week Range
$10.61
$17.00
Volume
726,920
50D / 200D Avg
$11.84
/
$12.84
Prev Close
$10.97
Price History
Financial Trends
Peer Comparison
vs Financial Services sector median (854 peers)
| Metric | Stock | Sector Median |
|---|---|---|
| P/E | 11.7 | 10.3 |
| P/B | 0.7 | 1.1 |
| ROE % | 6.8 | 11.7 |
| Net Margin % | 35.4 | 16.8 |
| Rev Growth 5Y % | -0.1 | 11.7 |
| D/E | 1.3 | 0.5 |
Key Takeaways
Revenue declined -0.12% annually over 5 years
Earnings declined -21.36% over the past year
Net margin of 35.38% shows strong profitability
Negative free cash flow of -204.56M
P/E of 11.73 — trading at a low valuation
Revenue growth is accelerating — 1Y growth exceeds 5Y average by 18.02%
Growth
Revenue Growth (5Y)
-0.12%
Revenue (1Y)17.90%
Earnings (1Y)-21.36%
FCF Growth (3Y)N/A
Quality
Return on Equity
6.75%
ROIC4.74%
Net Margin35.38%
Op. Margin86.18%
Safety
Debt / Equity
1.31
Current Ratio1.19
Interest Coverage1.94
Valuation
P/E Ratio
11.73
P/B Ratio0.70
EV/EBITDA13.35
Dividend Yield0.12%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 17.90% | Revenue Growth (3Y) | 6.99% |
| Earnings Growth (1Y) | -21.36% | Earnings Growth (3Y) | -12.92% |
| Revenue Growth (5Y) | -0.12% | Earnings Growth (5Y) | -18.72% |
| Profitability | |||
| Revenue (TTM) | 197.79M | Net Income (TTM) | 69.97M |
| ROE | 6.75% | ROA | 2.51% |
| Gross Margin | 70.90% | Operating Margin | 86.18% |
| Net Margin | 35.38% | Free Cash Flow (TTM) | -204.56M |
| ROIC | 4.74% | FCF Growth (3Y) | N/A |
| Safety | |||
| Debt / Equity | 1.31 | Current Ratio | 1.19 |
| Interest Coverage | 1.94 | Dividend Yield | 0.12% |
| Valuation | |||
| P/E Ratio | 11.73 | P/B Ratio | 0.70 |
| P/S Ratio | 4.15 | PEG Ratio | -0.31 |
| EV/EBITDA | 13.35 | Dividend Yield | 0.12% |
| Market Cap | 820.89M | Enterprise Value | 2.28B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 197.79M | 167.76M | 172.80M | 138.63M | 198.72M |
| Net Income | 69.97M | 88.98M | 92.28M | 85.64M | 160.35M |
| EPS (Diluted) | 1.01 | 1.58 | 1.64 | 1.49 | 2.69 |
| Gross Profit | 140.23M | 99.28M | 101.09M | 94.67M | 167.96M |
| Operating Income | 170.46M | 91.72M | 94.72M | 87.47M | 161.14M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 2.79B | 1.93B | 1.94B | 2.04B | 2.03B |
| Total Liabilities | 1.62B | 1.02B | 1.03B | 1.12B | 1.08B |
| Shareholders' Equity | 1.17B | 905.20M | 912.81M | 917.42M | 948.80M |
| Total Debt | 1.53B | 967.65M | 980.18M | 1.08B | 1.04B |
| Cash & Equivalents | 76.49M | 29.67M | 60.45M | 16.09M | 22.99M |
| Current Assets | 101.17M | 93.68M | 102.33M | 47.41M | 113.75M |
| Current Liabilities | 84.98M | 35.11M | 46.97M | 29.48M | 23.50M |