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Day Range
$47.63
$48.95
52-Week Range
$46.99
$63.19
Volume
1,016,500
50D / 200D Avg
$52.28
/
$54.98
Prev Close
$48.10
Price History
Financial Trends
Peer Comparison
vs Financial Services sector median (854 peers)
| Metric | Stock | Sector Median |
|---|---|---|
| P/E | 12.6 | 10.3 |
| P/B | 1.9 | 1.1 |
| ROE % | 16.0 | 11.6 |
| Net Margin % | 26.5 | 16.8 |
| Rev Growth 5Y % | 10.4 | 11.6 |
| D/E | 0.8 | 0.5 |
Analyst Price Target
Hold
$65.50
+35.2%
Low: $60.00
High: $70.00
Forward P/E
12.2
Forward EPS
$3.95
EPS Growth (est.)
+0.0%
Est. Revenue
2 B
Earnings Estimates
| Period | EPS Est. | Revenue Est. | Analysts |
|---|---|---|---|
| FY2028 |
$5.07
$4.96 – $5.16
|
2.2 B | 1 |
| FY2027 |
$4.39
$4.25 – $4.62
|
2 B | 8 |
| FY2026 |
$3.95
$3.82 – $4.07
|
2 B | 8 |
Key Takeaways
Revenue grew 10.43% annually over 5 years — strong growth
ROE of 15.95% — decent returns on equity
Net margin of 26.46% shows strong profitability
Generating 592.39M in free cash flow
P/E of 12.61 — trading at a low valuation
Revenue growth is decelerating — 1Y growth trails 5Y average by 8.20%
Growth
Revenue Growth (5Y)
10.43%
Revenue (1Y)2.23%
Earnings (1Y)7.58%
FCF Growth (3Y)21.59%
Quality
Return on Equity
15.95%
ROIC8.08%
Net Margin26.46%
Op. Margin34.20%
Safety
Debt / Equity
0.79
Current RatioN/A
Interest Coverage1.97
Valuation
P/E Ratio
12.61
P/B Ratio1.88
EV/EBITDA12.76
Dividend Yield0.02%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 2.23% | Revenue Growth (3Y) | 4.24% |
| Earnings Growth (1Y) | 7.58% | Earnings Growth (3Y) | 8.95% |
| Revenue Growth (5Y) | 10.43% | Earnings Growth (5Y) | 1.63% |
| Profitability | |||
| Revenue (TTM) | 2.14B | Net Income (TTM) | 566.25M |
| ROE | 15.95% | ROA | 1.72% |
| Gross Margin | 80.00% | Operating Margin | 34.20% |
| Net Margin | 26.46% | Free Cash Flow (TTM) | 592.39M |
| ROIC | 8.08% | FCF Growth (3Y) | 21.59% |
| Safety | |||
| Debt / Equity | 0.79 | Current Ratio | N/A |
| Interest Coverage | 1.97 | Dividend Yield | 0.02% |
| Valuation | |||
| P/E Ratio | 12.61 | P/B Ratio | 1.88 |
| P/S Ratio | 3.34 | PEG Ratio | 2.49 |
| EV/EBITDA | 12.76 | Dividend Yield | 0.02% |
| Market Cap | 7.14B | Enterprise Value | 9.34B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 2.14B | 2.09B | 1.97B | 1.57B | 1.44B |
| Net Income | 566.25M | 526.33M | 477.06M | 488.40M | 530.77M |
| EPS (Diluted) | 4.08 | 3.87 | 3.47 | 3.49 | 3.72 |
| Gross Profit | 1.71B | 1.63B | 1.55B | 1.48B | 1.49B |
| Operating Income | 731.84M | 679.49M | 619.73M | 632.38M | 686.30M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 32.92B | 32.00B | 31.70B | 31.88B | 36.69B |
| Total Liabilities | 29.10B | 28.66B | 28.74B | 29.39B | 33.24B |
| Shareholders' Equity | 3.79B | 3.31B | 2.94B | 2.47B | 3.44B |
| Total Debt | 3.00B | 2.93B | 2.91B | 2.85B | 3.04B |
| Cash & Equivalents | 803.24M | 3.37B | 2.68B | 841.64M | 4.28B |
| Current Assets | 9.90B | 12.51B | 12.37B | 13.08B | 18.73B |
| Current Liabilities | 0.0 | 28.22B | 28.27B | 29.03B | 32.84B |