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Day Range
$21.70
$22.05
52-Week Range
$17.46
$23.84
Volume
679,384
50D / 200D Avg
$22.76
/
$22.09
Prev Close
$22.00
Quick Summary
Price History
Financial Trends
Peer Comparison
vs Financial Services sector median (854 peers)
| Metric | Stock | Sector Median |
|---|---|---|
| P/E | 18.7 | 10.3 |
| P/B | 1.5 | 1.1 |
| ROE % | 8.6 | 11.7 |
| Net Margin % | 43.1 | 16.8 |
| Rev Growth 5Y % | 22.6 | 11.6 |
| D/E | 1.1 | 0.5 |
Analyst Price Target
Hold
$22.17
+1.2%
Low: $21.50
High: $23.00
Forward P/E
9.22
Forward EPS
$2.39
EPS Growth (est.)
+0.0%
Est. Revenue
236.00M
Earnings Estimates
| Period | EPS Est. | Revenue Est. | Analysts |
|---|---|---|---|
| FY2028 |
$2.53
$2.47 – $2.59
|
309.82M | 1 |
| FY2027 |
$2.31
$2.20 – $2.46
|
260.79M | 5 |
| FY2026 |
$2.39
$2.33 – $2.40
|
236.00M | 4 |
No quarterly estimates available
Dividend History
Yield
0.12%
Payout Ratio
N/A
Growth (3Y)
N/A
Growth (5Y)
N/A
No dividend history available.
Key Takeaways
Revenue grew 22.57% annually over 5 years — strong growth
Earnings declined -15.40% over the past year
Net margin of 43.07% shows strong profitability
Negative free cash flow of -217.26M
Revenue growth is decelerating — 1Y growth trails 5Y average by 14.90%
Capital efficient — spends only 0.00% of revenue on capex
Growth
Revenue Growth (5Y)
22.57%
Revenue (1Y)7.67%
Earnings (1Y)-15.40%
FCF Growth (3Y)N/A
Quality
Return on Equity
8.61%
ROIC3.24%
Net Margin43.07%
Op. Margin48.48%
Safety
Debt / Equity
1.08
Current RatioN/A
Interest Coverage1.44
Valuation
P/E Ratio
18.68
Forward P/EN/A
P/B Ratio1.49
EV/EBITDA28.09
Dividend Yield0.12%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 7.67% | Revenue Growth (3Y) | 34.67% |
| Earnings Growth (1Y) | -15.40% | Earnings Growth (3Y) | 46.01% |
| Revenue Growth (5Y) | 22.57% | Earnings Growth (5Y) | 8.51% |
| Profitability | |||
| Revenue (TTM) | 163.81M | Net Income (TTM) | 70.55M |
| ROE | 8.61% | ROA | 3.75% |
| Gross Margin | 66.45% | Operating Margin | 48.48% |
| Net Margin | 43.07% | Free Cash Flow (TTM) | -217.26M |
| ROIC | 3.24% | FCF Growth (3Y) | N/A |
| Safety | |||
| Debt / Equity | 1.08 | Current Ratio | N/A |
| Interest Coverage | 1.44 | ||
| Dividends | |||
| Dividend Yield | 0.12% | Payout Ratio | N/A |
| Dividend Growth (3Y) | N/A | Dividend Growth (5Y) | N/A |
| Consecutive Div Years | N/A | ||
| Valuation | |||
| P/E Ratio | 18.68 | Forward P/E | N/A |
| P/B Ratio | 1.49 | P/S Ratio | 8.05 |
| PEG Ratio | -0.53 | Forward PEG | N/A |
| EV/EBITDA | 28.09 | Fwd EV/EBITDA | N/A |
| Forward P/S | N/A | Fwd Earnings Yield | N/A |
| FCF Yield | -16.48% | ||
| Market Cap | 1.32B | Enterprise Value | 2.23B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 163.81M | 152.15M | 90.33M | 102.93M | 72.58M |
| Net Income | 70.55M | 83.39M | 33.09M | 42.82M | 50.88M |
| EPS (Diluted) | 1.47 | 2.05 | 1.10 | 1.87 | 2.67 |
| Gross Profit | 108.85M | 109.06M | 61.45M | 83.00M | 72.58M |
| Operating Income | 79.41M | 84.60M | 40.07M | 46.84M | 55.56M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 1.88B | 1.56B | 1.26B | 973.96M | 735.58M |
| Total Liabilities | 999.21M | 801.08M | 667.28M | 553.09M | 399.33M |
| Shareholders' Equity | 883.63M | 755.68M | 590.41M | 420.87M | 336.25M |
| Total Debt | 956.07M | 770.85M | 637.64M | 528.59M | 381.30M |
| Cash & Equivalents | 43.22M | 32.27M | 21.59M | 11.43M | 31.61M |
| Current Assets | 75.54M | 62.48M | 40.66M | 25.78M | 42.32M |
| Current Liabilities | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |