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39
Day Range
$17.82
$18.25
52-Week Range
$17.59
$23.42
Volume
7,375,014
50D / 200D Avg
$19.47
/
$20.81
Prev Close
$17.96
Quick Summary
Price History
Financial Trends
Peer Comparison
vs Financial Services sector median (855 peers)
| Metric | Stock | Sector Median |
|---|---|---|
| P/E | 10.0 | 10.4 |
| P/B | 0.9 | 1.1 |
| ROE % | 9.4 | 11.6 |
| Net Margin % | 41.3 | 16.8 |
| Rev Growth 5Y % | 11.3 | 11.6 |
| D/E | 1.1 | 0.5 |
Analyst Price Target
Hold
$21.88
+21.2%
Low: $21.00
High: $23.00
Forward P/E
9.33
Forward EPS
$1.94
EPS Growth (est.)
+0.0%
Est. Revenue
3.16B
Earnings Estimates
| Period | EPS Est. | Revenue Est. | Analysts |
|---|---|---|---|
| FY2028 |
$1.85
$1.78 – $1.93
|
3.18B | 2 |
| FY2027 |
$1.92
$1.90 – $1.93
|
3.28B | 10 |
| FY2026 |
$1.94
$1.87 – $1.98
|
3.16B | 10 |
No quarterly estimates available
Earnings Surprises
Last 8 quarters
| Quarter | Est. EPS | Actual EPS | Surprise |
|---|---|---|---|
| 2026-02-04 | $0.50 | $0.50 | +0.4% |
| 2025-10-28 | $0.50 | $0.50 | -0.6% |
| 2025-07-29 | $0.51 | $0.50 | -1.2% |
| 2025-04-29 | $0.53 | $0.50 | -5.7% |
| 2025-03-24 | N/A | $0.55 | — |
| 2024-10-30 | $0.60 | $0.58 | -3.3% |
| 2024-07-30 | $0.58 | $0.61 | +5.2% |
| 2024-05-01 | $0.60 | $0.59 | -1.7% |
Dividend History
7 yr streakYield
0.02%
Payout Ratio
0.21%
Growth (3Y)
1.43%
Growth (5Y)
3.71%
| Ex-Date | Payment Date | Amount | Yield |
|---|---|---|---|
| Mar 13, 2026 | Mar 31, 2026 | $0.48 | 10.75% |
| Dec 15, 2025 | Dec 30, 2025 | $0.48 | 9.45% |
| Sep 15, 2025 | Sep 30, 2025 | $0.48 | 9.01% |
| Jun 13, 2025 | Jun 30, 2025 | $0.48 | 8.92% |
| Mar 14, 2025 | Mar 31, 2025 | $0.48 | 9.02% |
| Dec 13, 2024 | Dec 30, 2024 | $0.48 | 8.85% |
| Sep 13, 2024 | Sep 30, 2024 | $0.48 | 9.43% |
| Jun 14, 2024 | Jun 28, 2024 | $0.48 | 9.28% |
| Mar 14, 2024 | Mar 29, 2024 | $0.48 | 9.60% |
| Dec 14, 2023 | Dec 28, 2023 | $0.48 | 9.73% |
| Sep 14, 2023 | Sep 29, 2023 | $0.48 | 10.10% |
| Jun 14, 2023 | Jun 30, 2023 | $0.48 | 10.41% |
| Mar 14, 2023 | Mar 31, 2023 | $0.48 | 10.65% |
| Dec 14, 2022 | Dec 29, 2022 | $0.48 | 10.01% |
| Sep 14, 2022 | Sep 30, 2022 | $0.46 | 9.30% |
| Jun 14, 2022 | Jun 30, 2022 | $0.45 | 9.67% |
| Mar 14, 2022 | Mar 31, 2022 | $0.45 | 8.46% |
| Dec 14, 2021 | Dec 30, 2021 | $0.41 | 8.12% |
| Sep 14, 2021 | Sep 30, 2021 | $0.41 | 8.03% |
| Jun 14, 2021 | Jun 30, 2021 | $0.40 | 8.11% |
Key Takeaways
Revenue grew 11.29% annually over 5 years — strong growth
Earnings declined -14.65% over the past year
Net margin of 41.30% shows strong profitability
Generating 1.14B in free cash flow
P/E of 9.98 — trading at a low valuation
Revenue growth is accelerating — 1Y growth exceeds 5Y average by 21.58%
Growth
Revenue Growth (5Y)
11.29%
Revenue (1Y)32.87%
Earnings (1Y)-14.65%
FCF Growth (3Y)6.86%
Quality
Return on Equity
9.39%
ROIC5.42%
Net Margin41.30%
Op. Margin69.67%
Safety
Debt / Equity
1.12
Current Ratio1.71
Interest Coverage3.40
Valuation
P/E Ratio
9.98
Forward P/E9.33
P/B Ratio0.91
EV/EBITDA12.80
Dividend Yield0.02%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 32.87% | Revenue Growth (3Y) | 20.50% |
| Earnings Growth (1Y) | -14.65% | Earnings Growth (3Y) | -7.62% |
| Revenue Growth (5Y) | 11.29% | Earnings Growth (5Y) | -4.58% |
| Profitability | |||
| Revenue (TTM) | 3.15B | Net Income (TTM) | 1.30B |
| ROE | 9.39% | ROA | 4.16% |
| Gross Margin | 75.68% | Operating Margin | 69.67% |
| Net Margin | 41.30% | Free Cash Flow (TTM) | 1.14B |
| ROIC | 5.42% | FCF Growth (3Y) | 6.86% |
| Safety | |||
| Debt / Equity | 1.12 | Current Ratio | 1.71 |
| Interest Coverage | 3.40 | ||
| Dividends | |||
| Dividend Yield | 0.02% | Payout Ratio | 0.21% |
| Dividend Growth (3Y) | 1.43% | Dividend Growth (5Y) | 3.71% |
| Consecutive Div Years | 7 yrs | ||
| Valuation | |||
| P/E Ratio | 9.98 | Forward P/E | 9.33 |
| P/B Ratio | 0.91 | P/S Ratio | 4.12 |
| PEG Ratio | -0.46 | Forward PEG | N/A |
| EV/EBITDA | 12.80 | Fwd EV/EBITDA | 13.01 |
| Forward P/S | 4.10 | Fwd Earnings Yield | 10.72% |
| FCF Yield | 8.81% | ||
| Market Cap | 12.97B | Enterprise Value | 28.03B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 3.15B | 2.37B | 2.17B | 1.20B | 2.05B |
| Net Income | 1.30B | 1.52B | 1.52B | 600.00M | 1.57B |
| EPS (Diluted) | 1.86 | 2.44 | 2.68 | 1.19 | 3.51 |
| Gross Profit | 2.38B | 1.71B | 1.64B | 741.00M | 1.68B |
| Operating Income | 2.19B | 1.60B | 1.54B | 655.00M | 1.60B |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 31.24B | 28.25B | 23.80B | 22.40B | 20.84B |
| Total Liabilities | 16.92B | 14.90B | 12.60B | 12.84B | 11.98B |
| Shareholders' Equity | 14.32B | 13.36B | 11.20B | 9.56B | 8.87B |
| Total Debt | 15.99B | 13.76B | 11.95B | 12.38B | 11.16B |
| Cash & Equivalents | 924.00M | 635.00M | 535.00M | 303.00M | 372.00M |
| Current Assets | 1.53B | 1.15B | 825.00M | 517.00M | 708.00M |
| Current Liabilities | 894.00M | 406.00M | 1.87B | 1.22B | 724.00M |
Strategy Scores
This stock passed the criteria for 1 strategy
Score = fit strength (0–100)
Rank = position among all matches
Custom
Cash Flow Compounder
#639 of 1049
Recent Activity
Entered
Cash Flow Compounder
Mar 24, 2026