Atrás
Rango del Día
$48.34
$49.58
Rango de 52 Semanas
$36.06
$54.99
Volumen
341,280
Promedio 50D / 200D
$50.77
/
$48.42
Cierre Anterior
$48.71
Historial de Precios
Tendencias Financieras
Comparación con Pares
vs mediana del sector Financial Services (854 pares)
| Métrica | Acción | Mediana del Sector |
|---|---|---|
| P/E | 10.6 | 10.3 |
| P/B | 1.1 | 1.1 |
| ROE % | 10.9 | 11.7 |
| Net Margin % | 22.8 | 16.9 |
| Rev Growth 5Y % | 17.7 | 11.6 |
| D/E | 0.1 | 0.5 |
Precio Objetivo de Analistas
Hold
$52.00
+6.2%
P/E Futuro
9.3
EPS Futuro
$5.26
Crecimiento EPS (est.)
+0.0%
Ingresos Est.
880 M
Estimaciones de Ganancias
| Período | EPS Est. | Ingresos Est. | Analistas |
|---|---|---|---|
| FY2027 |
$5.72
$5.23 – $6.20
|
930 M | 3 |
| FY2026 |
$5.26
$4.92 – $5.59
|
880 M | 3 |
Puntos Clave
Revenue grew 17.72% annually over 5 years — strong growth
ROE of 10.92% — decent returns on equity
Net margin of 22.76% shows strong profitability
Debt/Equity of 0.07 — conservative balance sheet
Generating 363.66M in free cash flow
P/E of 10.57 — trading at a low valuation
Crecimiento
Revenue Growth (5Y)
17.72%
Revenue (1Y)-0.43%
Earnings (1Y)10.19%
FCF Growth (3Y)-2.35%
Calidad
Return on Equity
10.92%
ROIC9.75%
Net Margin22.76%
Op. Margin29.42%
Seguridad
Debt / Equity
0.07
Current Ratio0.20
Interest Coverage0.72
Valoración
P/E Ratio
10.57
P/B Ratio1.14
EV/EBITDA8.33
Dividend Yield0.03%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | -0.43% | Revenue Growth (3Y) | 2.79% |
| Earnings Growth (1Y) | 10.19% | Earnings Growth (3Y) | -5.67% |
| Revenue Growth (5Y) | 17.72% | Earnings Growth (5Y) | 1.38% |
| Profitability | |||
| Revenue (TTM) | 1.38B | Net Income (TTM) | 315.12M |
| ROE | 10.92% | ROA | 1.30% |
| Gross Margin | 55.06% | Operating Margin | 29.42% |
| Net Margin | 22.76% | Free Cash Flow (TTM) | 363.66M |
| ROIC | 9.75% | FCF Growth (3Y) | -2.35% |
| Safety | |||
| Debt / Equity | 0.07 | Current Ratio | 0.20 |
| Interest Coverage | 0.72 | Dividend Yield | 0.03% |
| Valuation | |||
| P/E Ratio | 10.57 | P/B Ratio | 1.14 |
| P/S Ratio | 2.41 | PEG Ratio | 0.69 |
| EV/EBITDA | 8.33 | Dividend Yield | 0.03% |
| Market Cap | 3.33B | Enterprise Value | 3.39B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 1.38B | 1.39B | 1.31B | 908.10M | 721.11M |
| Net Income | 315.12M | 285.98M | 354.12M | 360.64M | 298.30M |
| EPS (Diluted) | 4.54 | 3.95 | 4.86 | 4.83 | 3.80 |
| Gross Profit | 762.46M | 692.22M | 784.06M | 775.97M | 668.37M |
| Operating Income | 407.40M | 317.54M | 403.58M | 472.54M | 381.84M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 24.23B | 23.05B | 23.08B | 21.95B | 20.89B |
| Total Liabilities | 21.30B | 20.21B | 20.34B | 19.47B | 18.44B |
| Shareholders' Equity | 2.93B | 2.85B | 2.74B | 2.47B | 2.45B |
| Total Debt | 208.92M | 227.73M | 709.72M | 659.25M | 192.98M |
| Cash & Equivalents | 146.32M | 157.17M | 173.99M | 195.44M | 134.14M |
| Current Assets | 1.90B | 1.81B | 2.53B | 2.72B | 3.63B |
| Current Liabilities | 9.68B | 19.69B | 19.33B | 18.51B | 18.06B |