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Also listed as
JBARF
OTC
Day Range
$14.38
$14.70
52-Week Range
$11.05
$17.70
Volume
6,857
50D / 200D Avg
$16.43
/
$14.62
Prev Close
$13.94
Price History
Financial Trends
Peer Comparison
vs Financial Services sector median (854 peers)
| Metric | Stock | Sector Median |
|---|---|---|
| P/E | 20.4 | 10.3 |
| P/B | 2.1 | 1.1 |
| ROE % | 10.4 | 11.7 |
| Net Margin % | 12.9 | 16.8 |
| Rev Growth 5Y % | 9.1 | 11.7 |
| D/E | 1.1 | 0.5 |
Key Takeaways
Revenue grew 9.07% annually over 5 years — modest growth
Earnings declined -28.64% over the past year
ROE of 10.37% — decent returns on equity
Negative free cash flow of -140.87M
Revenue growth is accelerating — 1Y growth exceeds 5Y average by 36.07%
Capital efficient — spends only 4.18% of revenue on capex
Growth
Revenue Growth (5Y)
9.07%
Revenue (1Y)45.14%
Earnings (1Y)-28.64%
FCF Growth (3Y)N/A
Quality
Return on Equity
10.37%
ROIC4.35%
Net Margin12.89%
Op. Margin15.83%
Safety
Debt / Equity
1.14
Current Ratio57.54
Interest Coverage0.55
Valuation
P/E Ratio
20.40
P/B Ratio2.06
EV/EBITDA17.70
Dividend Yield0.04%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 45.14% | Revenue Growth (3Y) | 32.14% |
| Earnings Growth (1Y) | -28.64% | Earnings Growth (3Y) | 26.75% |
| Revenue Growth (5Y) | 9.07% | Earnings Growth (5Y) | -9.39% |
| Profitability | |||
| Revenue (TTM) | 5.66B | Net Income (TTM) | 729.37M |
| ROE | 10.37% | ROA | 0.68% |
| Gross Margin | 67.65% | Operating Margin | 15.83% |
| Net Margin | 12.89% | Free Cash Flow (TTM) | -140.87M |
| ROIC | 4.35% | FCF Growth (3Y) | N/A |
| Safety | |||
| Debt / Equity | 1.14 | Current Ratio | 57.54 |
| Interest Coverage | 0.55 | Dividend Yield | 0.04% |
| Valuation | |||
| P/E Ratio | 20.40 | P/B Ratio | 2.06 |
| P/S Ratio | 2.63 | PEG Ratio | -0.60 |
| EV/EBITDA | 17.70 | Dividend Yield | 0.04% |
| Market Cap | 14.88B | Enterprise Value | 15.85B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 5.66B | 3.90B | 3.24B | 4.30B | 4.00B |
| Net Income | 729.37M | 1.02B | 454.00M | 949.60M | 1.08B |
| EPS (Diluted) | 0.71 | 0.99 | 0.44 | 0.91 | 1.01 |
| Gross Profit | 3.83B | 3.90B | 813.40M | 3.85B | 3.87B |
| Operating Income | 895.45M | 1.07B | 655.90M | 1.30B | 1.26B |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 107.61B | 105.07B | 96.79B | 105.64B | 116.31B |
| Total Liabilities | 100.37B | 98.24B | 90.62B | 99.35B | 109.56B |
| Shareholders' Equity | 7.24B | 6.83B | 6.16B | 6.29B | 6.73B |
| Total Debt | 8.22B | 20.60B | 6.05B | 14.05B | 16.87B |
| Cash & Equivalents | 7.25B | 13.78B | 13.54B | 18.91B | 25.80B |
| Current Assets | 25.22B | 13.78B | 16.22B | 32.50B | 39.96B |
| Current Liabilities | 438.30M | 73.97B | 11.21B | 8.30B | 8.91B |