Atrás
Rango del Día
$23.66
$24.38
Rango de 52 Semanas
$16.25
$28.32
Volumen
4,354,218
Promedio 50D / 200D
$26.13
/
$24.32
Cierre Anterior
$23.46
Historial de Precios
Tendencias Financieras
Comparación con Pares
vs mediana del sector Financial Services (854 pares)
| Métrica | Acción | Mediana del Sector |
|---|---|---|
| P/E | 23.7 | 10.3 |
| P/B | 1.0 | 1.1 |
| ROE % | 4.3 | 11.7 |
| Net Margin % | 6.0 | 16.8 |
| Rev Growth 5Y % | 1.0 | 11.7 |
| D/E | 1.1 | 0.5 |
Precio Objetivo de Analistas
Hold
$23.50
-1.7%
Low: $22.00
High: $25.00
P/E Futuro
9.2
EPS Futuro
$2.60
Crecimiento EPS (est.)
+0.0%
Ingresos Est.
7 B
Estimaciones de Ganancias
| Período | EPS Est. | Ingresos Est. | Analistas |
|---|---|---|---|
| FY2029 |
$3.37
$3.21 – $3.58
|
8.3 B | 1 |
| FY2028 |
$3.16
$3.01 – $3.35
|
7.8 B | 1 |
| FY2027 |
$2.88
$2.60 – $3.07
|
7.4 B | 7 |
Puntos Clave
Revenue grew 1.01% annually over 5 years — modest growth
ROE of 4.27% is below average
Generating 911.60M in free cash flow
Cash machine — converts 173.67% of earnings into free cash flow
Capital efficient — spends only 1.76% of revenue on capex
ROIC of 1.79% — low return on invested capital
Crecimiento
Revenue Growth (5Y)
1.01%
Revenue (1Y)3.45%
Earnings (1Y)12.93%
FCF Growth (3Y)-1.54%
Calidad
Return on Equity
4.27%
ROIC1.79%
Net Margin5.98%
Op. Margin6.89%
Seguridad
Debt / Equity
1.10
Current Ratio2.71
Interest Coverage6.37
Valoración
P/E Ratio
23.71
P/B Ratio1.03
EV/EBITDA36.70
Dividend Yield0.06%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 3.45% | Revenue Growth (3Y) | 5.71% |
| Earnings Growth (1Y) | 12.93% | Earnings Growth (3Y) | -22.89% |
| Revenue Growth (5Y) | 1.01% | Earnings Growth (5Y) | -26.83% |
| Profitability | |||
| Revenue (TTM) | 8.77B | Net Income (TTM) | 524.90M |
| ROE | 4.27% | ROA | 1.62% |
| Gross Margin | 80.34% | Operating Margin | 6.89% |
| Net Margin | 5.98% | Free Cash Flow (TTM) | 911.60M |
| ROIC | 1.79% | FCF Growth (3Y) | -1.54% |
| Safety | |||
| Debt / Equity | 1.10 | Current Ratio | 2.71 |
| Interest Coverage | 6.37 | Dividend Yield | 0.06% |
| Valuation | |||
| P/E Ratio | 23.71 | P/B Ratio | 1.03 |
| P/S Ratio | 1.42 | PEG Ratio | 3.21 |
| EV/EBITDA | 36.70 | Dividend Yield | 0.06% |
| Market Cap | 12.45B | Enterprise Value | 22.17B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 8.77B | 8.48B | 7.85B | 8.28B | 8.43B |
| Net Income | 524.90M | 464.80M | 882.80M | 1.29B | 1.83B |
| EPS (Diluted) | 0.91 | 0.85 | 1.72 | 2.53 | 3.57 |
| Gross Profit | 7.05B | 6.79B | 6.35B | 6.85B | 7.00B |
| Operating Income | 604.10M | 407.60M | 1.10B | 1.77B | 1.88B |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 32.37B | 32.46B | 30.12B | 28.06B | 24.17B |
| Total Liabilities | 18.18B | 17.90B | 16.55B | 14.24B | 11.42B |
| Shareholders' Equity | 12.08B | 12.51B | 11.92B | 11.47B | 11.22B |
| Total Debt | 13.30B | 13.09B | 11.75B | 9.36B | 7.59B |
| Cash & Equivalents | 3.57B | 4.41B | 4.40B | 4.78B | 4.65B |
| Current Assets | 5.12B | 5.89B | 5.75B | 6.05B | 6.08B |
| Current Liabilities | 1.89B | 1.82B | 1.39B | 1.64B | 1.73B |