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Day Range
$45.37
$46.70
52-Week Range
$33.02
$69.85
Volume
3,026,560
50D / 200D Avg
$55.61
/
$57.63
Prev Close
$46.77
Quick Summary
Price History
Financial Trends
Peer Comparison
vs Financial Services sector median (857 peers)
| Metric | Stock | Sector Median |
|---|---|---|
| P/E | 20.4 | 10.2 |
| P/B | 2.9 | 1.1 |
| ROE % | 14.2 | 11.7 |
| Net Margin % | 16.5 | 16.8 |
| Rev Growth 5Y % | -4.2 | 11.7 |
| D/E | 2.5 | 0.5 |
Analyst Price Target
Hold
$67.50
+47.8%
Low: $57.00
High: $74.00
Forward P/E
10.28
Forward EPS
$4.57
EPS Growth (est.)
+0.0%
Est. Revenue
4.64B
Earnings Estimates
| Period | EPS Est. | Revenue Est. | Analysts |
|---|---|---|---|
| FY2029 |
$6.26
$5.96 – $6.65
|
5.56B | 1 |
| FY2028 |
$5.96
$4.13 – $7.80
|
5.46B | 2 |
| FY2027 |
$5.40
$5.04 – $5.71
|
5.36B | 7 |
No quarterly estimates available
Earnings Surprises
Last 8 quarters
| Quarter | Est. EPS | Actual EPS | Surprise |
|---|---|---|---|
| 2026-02-06 | $1.00 | $1.01 | +1.4% |
| 2025-10-31 | $1.02 | $0.98 | -3.9% |
| 2025-08-05 | $0.89 | $0.91 | +2.5% |
| 2025-05-09 | $0.96 | $1.14 | +19.4% |
| 2025-02-10 | $0.95 | $0.92 | -3.1% |
| 2024-11-06 | $0.88 | $0.95 | +7.5% |
| 2024-08-05 | $0.83 | $0.78 | -5.6% |
| 2024-05-01 | $0.97 | $1.01 | +4.4% |
Dividend History
7 yr streakYield
0.02%
Payout Ratio
0.62%
Growth (3Y)
4.55%
Growth (5Y)
6.96%
| Ex-Date | Payment Date | Amount | Yield |
|---|---|---|---|
| Feb 13, 2026 | Feb 20, 2026 | $0.35 | 2.57% |
| Nov 10, 2025 | Nov 19, 2025 | $0.35 | 2.67% |
| Aug 18, 2025 | Aug 28, 2025 | $0.35 | 2.21% |
| May 19, 2025 | May 27, 2025 | $0.35 | 2.92% |
| Feb 21, 2025 | Feb 28, 2025 | $0.35 | 2.81% |
| Nov 18, 2024 | Nov 25, 2024 | $0.35 | 2.75% |
| Aug 16, 2024 | Aug 26, 2024 | $0.35 | 3.41% |
| May 13, 2024 | May 21, 2024 | $0.35 | 3.36% |
| Feb 22, 2024 | Mar 01, 2024 | $0.35 | 3.11% |
| Nov 20, 2023 | Nov 29, 2023 | $0.35 | 4.31% |
| Aug 14, 2023 | Aug 23, 2023 | $0.35 | 4.30% |
| May 15, 2023 | May 23, 2023 | $0.35 | 4.95% |
| Feb 21, 2023 | Mar 01, 2023 | $0.33 | 3.82% |
| Nov 17, 2022 | Nov 25, 2022 | $0.33 | 4.28% |
| Aug 08, 2022 | Aug 16, 2022 | $0.33 | 3.26% |
| May 09, 2022 | May 17, 2022 | $0.33 | 3.03% |
| Feb 14, 2022 | Feb 23, 2022 | $0.25 | 2.14% |
| Nov 08, 2021 | Nov 17, 2021 | $0.25 | 1.70% |
| Aug 09, 2021 | Aug 17, 2021 | $0.25 | 2.12% |
| May 10, 2021 | May 19, 2021 | $0.25 | 2.25% |
Key Takeaways
Revenue declined -4.24% annually over 5 years
Earnings declined -20.75% over the past year
ROE of 14.23% — decent returns on equity
Net margin of 16.51% shows strong profitability
Debt/Equity of 2.49 — high leverage
Generating 1.36B in free cash flow
Growth
Revenue Growth (5Y)
-4.24%
Revenue (1Y)19.80%
Earnings (1Y)-20.75%
FCF Growth (3Y)213.99%
Quality
Return on Equity
14.23%
ROIC4.78%
Net Margin16.51%
Op. Margin26.19%
Safety
Debt / Equity
2.49
Current Ratio0.00
Interest Coverage10.35
Valuation
P/E Ratio
20.40
Forward P/E10.28
P/B Ratio2.86
EV/EBITDA21.55
Dividend Yield0.02%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 19.80% | Revenue Growth (3Y) | 61.96% |
| Earnings Growth (1Y) | -20.75% | Earnings Growth (3Y) | N/A |
| Revenue Growth (5Y) | -4.24% | Earnings Growth (5Y) | -27.79% |
| Profitability | |||
| Revenue (TTM) | 4.90B | Net Income (TTM) | 808.70M |
| ROE | 14.23% | ROA | 2.78% |
| Gross Margin | 65.93% | Operating Margin | 26.19% |
| Net Margin | 16.51% | Free Cash Flow (TTM) | 1.36B |
| ROIC | 4.78% | FCF Growth (3Y) | 213.99% |
| Safety | |||
| Debt / Equity | 2.49 | Current Ratio | 0.00 |
| Interest Coverage | 10.35 | ||
| Dividends | |||
| Dividend Yield | 0.02% | Payout Ratio | 0.62% |
| Dividend Growth (3Y) | 4.55% | Dividend Growth (5Y) | 6.96% |
| Consecutive Div Years | 7 yrs | ||
| Valuation | |||
| P/E Ratio | 20.40 | Forward P/E | 10.28 |
| P/B Ratio | 2.86 | P/S Ratio | 3.37 |
| PEG Ratio | -1.25 | Forward PEG | N/A |
| EV/EBITDA | 21.55 | Fwd EV/EBITDA | 18.62 |
| Forward P/S | 3.56 | Fwd Earnings Yield | 9.73% |
| FCF Yield | 8.27% | ||
| Market Cap | 16.49B | Enterprise Value | 27.65B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 4.90B | 4.09B | 1.87B | 3.68B | 5.82B |
| Net Income | 808.70M | 1.02B | -608.40M | 1.23B | 2.97B |
| EPS (Diluted) | 2.18 | 2.77 | -1.68 | 3.35 | 8.20 |
| Gross Profit | 3.23B | 3.40B | 1.32B | 3.36B | 5.53B |
| Operating Income | 1.28B | 1.39B | -600.90M | 1.57B | 4.03B |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 29.12B | 23.10B | 21.18B | 21.40B | 21.25B |
| Total Liabilities | 22.06B | 16.76B | 15.39B | 14.58B | 15.54B |
| Shareholders' Equity | 5.76B | 5.61B | 5.19B | 6.22B | 5.28B |
| Total Debt | 14.36B | 9.50B | 9.26B | 8.68B | 8.50B |
| Cash & Equivalents | 3.21B | 2.10B | 1.79B | 1.57B | 2.62B |
| Current Assets | 0.0 | 3.14B | 2.62B | 2.33B | 3.20B |
| Current Liabilities | 6.80B | 0.0 | 0.0 | 369.20M | 379.70M |