Atrás
Rango del Día
$40.24
$40.97
Rango de 52 Semanas
$34.63
$44.86
Volumen
448,433
Promedio 50D / 200D
$41.89
/
$39.99
Cierre Anterior
$40.54
Historial de Precios
Tendencias Financieras
Comparación con Pares
vs mediana del sector Financial Services (854 pares)
| Métrica | Acción | Mediana del Sector |
|---|---|---|
| P/E | 16.9 | 10.3 |
| P/B | 1.5 | 1.1 |
| ROE % | 8.9 | 11.6 |
| Net Margin % | 5.1 | 16.8 |
| Rev Growth 5Y % | 2.1 | 11.6 |
| D/E | 1.5 | 0.5 |
Precio Objetivo de Analistas
Hold
$46.67
+14.9%
Low: $43.00
High: $50.00
P/E Futuro
9.2
EPS Futuro
$4.41
Crecimiento EPS (est.)
+0.0%
Ingresos Est.
4.1 B
Estimaciones de Ganancias
| Período | EPS Est. | Ingresos Est. | Analistas |
|---|---|---|---|
| FY2029 |
$6.30
$6.17 – $6.43
|
4.6 B | 1 |
| FY2028 |
$5.46
$5.31 – $5.60
|
4.3 B | 2 |
| FY2027 |
$4.88
$4.84 – $4.91
|
4.2 B | 3 |
Puntos Clave
Revenue grew 2.14% annually over 5 years — modest growth
Earnings declined -43.24% over the past year
Generating 675.70M in free cash flow
Cash machine — converts 294.68% of earnings into free cash flow
Capital efficient — spends only 0.00% of revenue on capex
ROIC of 3.29% — low return on invested capital
Crecimiento
Revenue Growth (5Y)
2.14%
Revenue (1Y)0.94%
Earnings (1Y)-43.24%
FCF Growth (3Y)7.67%
Calidad
Return on Equity
8.93%
ROIC3.29%
Net Margin5.11%
Op. Margin6.54%
Seguridad
Debt / Equity
1.54
Current RatioN/A
Interest Coverage1.27
Valoración
P/E Ratio
16.90
P/B Ratio1.47
EV/EBITDA23.76
Dividend Yield0.02%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 0.94% | Revenue Growth (3Y) | 4.03% |
| Earnings Growth (1Y) | -43.24% | Earnings Growth (3Y) | -8.93% |
| Revenue Growth (5Y) | 2.14% | Earnings Growth (5Y) | -20.37% |
| Profitability | |||
| Revenue (TTM) | 4.49B | Net Income (TTM) | 229.30M |
| ROE | 8.93% | ROA | 0.59% |
| Gross Margin | 44.79% | Operating Margin | 6.54% |
| Net Margin | 5.11% | Free Cash Flow (TTM) | 675.70M |
| ROIC | 3.29% | FCF Growth (3Y) | 7.67% |
| Safety | |||
| Debt / Equity | 1.54 | Current Ratio | N/A |
| Interest Coverage | 1.27 | Dividend Yield | 0.02% |
| Valuation | |||
| P/E Ratio | 16.90 | P/B Ratio | 1.47 |
| P/S Ratio | 0.86 | PEG Ratio | -0.47 |
| EV/EBITDA | 23.76 | Dividend Yield | 0.02% |
| Market Cap | 3.87B | Enterprise Value | 6.97B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 4.49B | 4.45B | 4.15B | 3.58B | 4.12B |
| Net Income | 229.30M | 404.00M | 276.50M | 630.60M | 570.30M |
| EPS (Diluted) | 2.35 | 3.74 | 2.40 | 5.36 | 3.36 |
| Gross Profit | 2.01B | 1.70B | 1.53B | 1.79B | 1.70B |
| Operating Income | 293.40M | 518.30M | 356.80M | 816.50M | 733.10M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 38.97B | 37.85B | 35.03B | 33.13B | 36.20B |
| Total Liabilities | 36.33B | 35.35B | 32.81B | 31.36B | 30.94B |
| Shareholders' Equity | 2.64B | 2.50B | 2.22B | 1.77B | 5.26B |
| Total Debt | 4.05B | 4.52B | 4.15B | 3.88B | 4.00B |
| Cash & Equivalents | 956.10M | 1.66B | 774.50M | 69.20M | 99.60M |
| Current Assets | 983.50M | 0.0 | 0.0 | 0.0 | 29.38B |
| Current Liabilities | 0.0 | 0.0 | 0.0 | 0.0 | 8.40M |