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Day Range
$28.70
$29.75
52-Week Range
$16.30
$30.71
Volume
600
50D / 200D Avg
$27.31
/
$24.51
Prev Close
$28.70
Quick Summary
Price History
Financial Trends
Peer Comparison
vs Financial Services sector median (855 peers)
| Metric | Stock | Sector Median |
|---|---|---|
| P/E | 14.2 | 10.3 |
| P/B | 1.4 | 1.1 |
| ROE % | 9.6 | 11.6 |
| Net Margin % | 11.9 | 16.8 |
| Rev Growth 5Y % | 27.6 | 11.6 |
| D/E | 3.2 | 0.5 |
Analyst Price Target
Hold
$37.63
+31.1%
Forward P/E
12.71
Forward EPS
$2.26
EPS Growth (est.)
+0.0%
Est. Revenue
24.72B
Earnings Estimates
| Period | EPS Est. | Revenue Est. | Analysts |
|---|---|---|---|
| FY2029 |
$2.47
$2.42 – $2.52
|
27.13B | 1 |
| FY2028 |
$2.44
$2.39 – $2.49
|
26.43B | 1 |
| FY2027 |
$2.33
$2.28 – $2.38
|
25.52B | 1 |
No quarterly estimates available
Earnings Surprises
Last 8 quarters
| Quarter | Est. EPS | Actual EPS | Surprise |
|---|---|---|---|
| 2025-11-02 | $0.68 | $0.98 | +43.4% |
| 2025-05-05 | $0.63 | $0.54 | -14.2% |
| 2025-02-17 | $0.69 | $0.64 | -8.1% |
| 2024-08-19 | $0.63 | $0.56 | -11.2% |
| 2024-02-19 | $0.57 | $0.52 | -7.6% |
| 2023-05-09 | $0.72 | $0.69 | -4.2% |
| 2022-11-08 | $0.37 | $0.41 | +10.0% |
| 2022-05-09 | $0.60 | $0.62 | +3.7% |
Dividend History
7 yr streakYield
0.06%
Payout Ratio
0.75%
Growth (3Y)
4.85%
Growth (5Y)
34.36%
| Ex-Date | Payment Date | Amount | Yield |
|---|---|---|---|
| Nov 07, 2025 | Dec 19, 2025 | $0.50 | 3.81% |
| May 09, 2025 | Jun 27, 2025 | $0.49 | 4.63% |
| Nov 08, 2024 | Dec 19, 2024 | $0.50 | 5.26% |
| May 09, 2024 | Jun 25, 2024 | $0.59 | 5.59% |
| Nov 09, 2023 | Dec 19, 2023 | $0.46 | 6.62% |
| May 11, 2023 | Jun 27, 2023 | $0.47 | 6.21% |
| Nov 17, 2022 | Dec 20, 2022 | $0.43 | 5.44% |
| May 19, 2022 | Jun 24, 2022 | $0.43 | 5.51% |
| Nov 05, 2021 | Dec 21, 2021 | $0.44 | 5.87% |
| May 13, 2021 | Jun 25, 2021 | $0.45 | 3.51% |
| Nov 11, 2020 | Dec 18, 2020 | $0.23 | 1.70% |
| Nov 12, 2019 | Dec 20, 2019 | $0.55 | 6.35% |
| May 16, 2019 | Jun 24, 2019 | $0.65 | 7.12% |
| Nov 13, 2018 | Dec 20, 2018 | $0.68 | 7.48% |
| May 17, 2018 | Jul 04, 2018 | $0.71 | 6.87% |
| Nov 13, 2017 | Dec 22, 2017 | $0.72 | 6.19% |
| May 18, 2017 | Jul 04, 2017 | $0.70 | 6.23% |
| Nov 14, 2016 | Dec 21, 2016 | $0.71 | 6.53% |
| May 12, 2016 | Jul 04, 2016 | $0.69 | 6.49% |
| Nov 11, 2015 | Dec 21, 2015 | $0.66 | 7.42% |
Key Takeaways
Revenue grew 27.64% annually over 5 years — strong growth
Debt/Equity of 3.19 — high leverage
Generating 13.56B in free cash flow
P/E of 14.18 — trading at a low valuation
Revenue growth is decelerating — 1Y growth trails 5Y average by 26.38%
Cash machine — converts 196.16% of earnings into free cash flow
Growth
Revenue Growth (5Y)
27.64%
Revenue (1Y)1.26%
Earnings (1Y)-1.14%
FCF Growth (3Y)N/A
Quality
Return on Equity
9.57%
ROIC2.53%
Net Margin11.93%
Op. Margin17.81%
Safety
Debt / Equity
3.19
Current Ratio0.29
Interest Coverage0.29
Valuation
P/E Ratio
14.18
Forward P/E12.71
P/B Ratio1.35
EV/EBITDA32.05
Dividend Yield0.06%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 1.26% | Revenue Growth (3Y) | 66.06% |
| Earnings Growth (1Y) | -1.14% | Earnings Growth (3Y) | -2.00% |
| Revenue Growth (5Y) | 27.64% | Earnings Growth (5Y) | 6.07% |
| Profitability | |||
| Revenue (TTM) | 57.90B | Net Income (TTM) | 6.91B |
| ROE | 9.57% | ROA | 0.61% |
| Gross Margin | 37.67% | Operating Margin | 17.81% |
| Net Margin | 11.93% | Free Cash Flow (TTM) | 13.56B |
| ROIC | 2.53% | FCF Growth (3Y) | N/A |
| Safety | |||
| Debt / Equity | 3.19 | Current Ratio | 0.29 |
| Interest Coverage | 0.29 | ||
| Dividends | |||
| Dividend Yield | 0.06% | Payout Ratio | 0.75% |
| Dividend Growth (3Y) | 4.85% | Dividend Growth (5Y) | 34.36% |
| Consecutive Div Years | 7 yrs | ||
| Valuation | |||
| P/E Ratio | 14.18 | Forward P/E | 12.71 |
| P/B Ratio | 1.35 | P/S Ratio | 1.69 |
| PEG Ratio | -24.85 | Forward PEG | N/A |
| EV/EBITDA | 32.05 | Fwd EV/EBITDA | 54.16 |
| Forward P/S | 3.96 | Fwd Earnings Yield | 7.87% |
| FCF Yield | 13.83% | ||
| Market Cap | 98.00B | Enterprise Value | 330.45B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 57.90B | 57.18B | 21.00B | 19.27B | 21.81B |
| Net Income | 6.91B | 6.99B | 7.20B | 5.69B | 5.46B |
| EPS (Diluted) | 2.00 | 1.92 | 1.95 | 1.52 | 1.38 |
| Gross Profit | 21.81B | 21.05B | 21.38B | 19.27B | 21.81B |
| Operating Income | 10.31B | 11.59B | 11.54B | 9.84B | 11.29B |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 1.13T | 1.08T | 1.03T | 1.01T | 935.87B |
| Total Liabilities | 1.05T | 1.01T | 957.24B | 943.69B | 863.78B |
| Shareholders' Equity | 72.77B | 71.71B | 72.50B | 70.45B | 72.04B |
| Total Debt | 232.46B | 207.17B | 189.75B | 176.12B | 157.85B |
| Cash & Equivalents | 0.0 | 66.27B | 102.98B | 105.73B | 71.92B |
| Current Assets | 133.12B | 171.84B | 179.49B | 183.29B | 155.99B |
| Current Liabilities | 452.30B | 31.44B | 29.02B | 32.04B | 21.93B |