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Day Range
$68.29
$69.72
52-Week Range
$40.75
$82.56
Volume
301,245
50D / 200D Avg
$73.00
/
$67.59
Prev Close
$68.12
Quick Summary
Price History
Financial Trends
Peer Comparison
vs Financial Services sector median (855 peers)
| Metric | Stock | Sector Median |
|---|---|---|
| P/E | 10.6 | 10.3 |
| P/B | 1.1 | 1.1 |
| ROE % | 11.3 | 11.7 |
| Net Margin % | 15.8 | 16.8 |
| Rev Growth 5Y % | 13.8 | 11.7 |
| D/E | 0.8 | 0.5 |
Analyst Price Target
Hold
$90.20
+30.0%
Low: $71.00
High: $100.00
Forward P/E
8.40
Forward EPS
$8.26
EPS Growth (est.)
+0.0%
Est. Revenue
937.96M
Earnings Estimates
| Period | EPS Est. | Revenue Est. | Analysts |
|---|---|---|---|
| FY2028 |
$0.00
$0.00 – $0.00
|
952.38M | 7 |
| FY2027 |
$9.36
$8.69 – $9.89
|
1.02B | 8 |
| FY2026 |
$8.26
$8.11 – $8.34
|
937.96M | 9 |
No quarterly estimates available
Earnings Surprises
Last 8 quarters
| Quarter | Est. EPS | Actual EPS | Surprise |
|---|---|---|---|
| 2026-02-27 | N/A | $2.10 | — |
| 2025-10-23 | $1.90 | $2.20 | +15.8% |
| 2025-07-24 | $1.50 | $1.80 | +20.0% |
| 2025-04-24 | $1.28 | $1.54 | +20.3% |
| 2025-01-23 | $1.21 | $1.36 | +12.4% |
| 2024-10-31 | $1.43 | $1.34 | -6.3% |
| 2024-07-25 | $1.43 | $1.49 | +4.2% |
| 2024-04-25 | $1.63 | $1.40 | -14.1% |
Dividend History
Yield
0.00%
Payout Ratio
0.05%
Growth (3Y)
N/A
Growth (5Y)
N/A
No dividend history available.
Key Takeaways
Revenue grew 13.76% annually over 5 years — strong growth
Earnings grew 23.49% over the past year
ROE of 11.34% — decent returns on equity
Net margin of 15.84% shows strong profitability
Generating 481.02M in free cash flow
P/E of 10.59 — trading at a low valuation
Growth
Revenue Growth (5Y)
13.76%
Revenue (1Y)3.94%
Earnings (1Y)23.49%
FCF Growth (3Y)140.18%
Quality
Return on Equity
11.34%
ROIC6.10%
Net Margin15.84%
Op. Margin21.97%
Safety
Debt / Equity
0.81
Current Ratio0.01
Interest Coverage0.51
Valuation
P/E Ratio
10.59
Forward P/E8.40
P/B Ratio1.12
EV/EBITDA12.92
Dividend Yield0.00%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 3.94% | Revenue Growth (3Y) | -0.22% |
| Earnings Growth (1Y) | 23.49% | Earnings Growth (3Y) | -5.35% |
| Revenue Growth (5Y) | 13.76% | Earnings Growth (5Y) | -8.14% |
| Profitability | |||
| Revenue (TTM) | 1.41B | Net Income (TTM) | 224.09M |
| ROE | 11.34% | ROA | 0.90% |
| Gross Margin | 51.59% | Operating Margin | 21.97% |
| Net Margin | 15.84% | Free Cash Flow (TTM) | 481.02M |
| ROIC | 6.10% | FCF Growth (3Y) | 140.18% |
| Safety | |||
| Debt / Equity | 0.81 | Current Ratio | 0.01 |
| Interest Coverage | 0.51 | ||
| Dividends | |||
| Dividend Yield | 0.00% | Payout Ratio | 0.05% |
| Dividend Growth (3Y) | N/A | Dividend Growth (5Y) | N/A |
| Consecutive Div Years | N/A | ||
| Valuation | |||
| P/E Ratio | 10.59 | Forward P/E | 8.40 |
| P/B Ratio | 1.12 | P/S Ratio | 1.68 |
| PEG Ratio | 0.53 | Forward PEG | N/A |
| EV/EBITDA | 12.92 | Fwd EV/EBITDA | 13.41 |
| Forward P/S | 2.53 | Fwd Earnings Yield | 11.90% |
| FCF Yield | 20.27% | ||
| Market Cap | 2.37B | Enterprise Value | 4.02B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 1.41B | 1.36B | 1.42B | 895.10M | 844.61M |
| Net Income | 224.09M | 181.47M | 250.14M | 228.03M | 314.65M |
| EPS (Diluted) | 6.20 | 5.09 | 7.32 | 6.51 | 10.08 |
| Gross Profit | 729.84M | 614.05M | 666.33M | 573.38M | 721.38M |
| Operating Income | 310.77M | 224.37M | 330.74M | 291.30M | 441.21M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 24.90B | 22.31B | 21.32B | 20.90B | 19.58B |
| Total Liabilities | 22.78B | 20.47B | 19.68B | 19.49B | 18.21B |
| Shareholders' Equity | 2.12B | 1.84B | 1.64B | 1.40B | 1.37B |
| Total Debt | 1.71B | 1.41B | 1.51B | 1.11B | 1.18B |
| Cash & Equivalents | 62.05M | 3.79B | 3.85B | 455.81M | 518.03M |
| Current Assets | 165.68M | 6.13B | 6.57B | 3.57B | 4.43B |
| Current Liabilities | 15.75B | 18.95B | 17.92B | 18.69B | 17.80B |