رجوع
نطاق اليوم
KWD 36.03
KWD 36.59
نطاق 52 أسبوعًا
KWD 21.98
KWD 40.01
حجم التداول
495,917
متوسط 50 يوم / 200 يوم
KWD 35.76
/
KWD 30.86
الإغلاق السابق
KWD 36.45
Quick Summary
تاريخ السعر
الاتجاهات المالية
مقارنة الأقران
مقابل وسيط قطاع Financial Services (856 نظير)
| المقياس | السهم | وسيط القطاع |
|---|---|---|
| P/E | 25.1 | 10.2 |
| P/B | 1.8 | 1.1 |
| ROE % | 7.5 | 11.7 |
| Net Margin % | 46.1 | 16.8 |
| Rev Growth 5Y % | 4.2 | 11.6 |
| D/E | 2.0 | 0.5 |
السعر المستهدف للمحللين
Hold
KWD 44.50
+22.5%
Low: KWD 38.00
High: KWD 50.00
مكرر الربحية المستقبلي
12.53
ربحية السهم المستقبلية
KWD 2.94
نمو ربحية السهم (تقدير)
+0.0%
الإيرادات المقدّرة
468.30M
تقديرات الأرباح
| الفترة | تقدير ربحية السهم | تقدير الإيرادات | المحللون |
|---|---|---|---|
| FY2030 |
KWD 4.31
KWD 2.96 – KWD 5.09
|
699.73M | 2 |
| FY2029 |
KWD 3.95
KWD 2.71 – KWD 4.67
|
624.55M | 2 |
| FY2028 |
KWD 3.60
KWD 2.51 – KWD 5.09
|
579.21M | 4 |
No quarterly estimates available
Earnings Surprises
Last 8 quarters
| Quarter | Est. EPS | Actual EPS | Surprise |
|---|---|---|---|
| 2026-02-12 | KWD 0.66 | KWD 0.67 | +1.7% |
| 2025-11-06 | KWD 0.69 | KWD 0.80 | +15.9% |
| 2025-08-07 | KWD 0.62 | KWD 0.60 | -3.2% |
| 2025-05-07 | KWD 0.64 | KWD 0.64 | 0.0% |
| 2025-02-13 | KWD 0.58 | KWD 0.62 | +6.9% |
| 2024-11-07 | KWD 0.55 | KWD 0.52 | -5.5% |
| 2024-08-01 | KWD 0.58 | KWD 0.63 | +8.6% |
| 2024-05-07 | KWD 0.57 | KWD 0.68 | +19.3% |
Insider Trading Activity
Buy ratio (90d)
0.0%
15 transactions
| Date | Insider | Type | Shares | Price | Value |
|---|---|---|---|---|---|
| Mar 5, 2026 |
Viral Amin A
EVP, Chief Risk Officer
|
other | 679 | KWD 36.43 | KWD 24,735.97 |
| Mar 5, 2026 |
Whicher Michelle
Chief Accounting Officer
|
other | 2,238 | KWD 36.43 | KWD 81,530.34 |
| Mar 2, 2026 |
Viral Amin A
EVP, Chief Risk Officer
|
grant | 20,645 | — | — |
| Mar 2, 2026 |
Melko Charles
CFO & Treasurer
|
grant | 34,500 | — | — |
| Mar 2, 2026 |
Whicher Michelle
Chief Accounting Officer
|
grant | 10,246 | — | — |
| Mar 2, 2026 |
Lipson Jeffrey
Chief Executive Officer
|
grant | 238,500 | — | — |
| Mar 2, 2026 |
Gopalakrishnan Nitya
Chief Operating Officer
|
grant | 28,500 | — | — |
| Mar 2, 2026 |
Pangburn Marc T.
Chief Rev And Strategy Officer
|
grant | 100,500 | — | — |
| Mar 2, 2026 |
Nickey Susan D
EVP and Chief Client Officer
|
grant | 60,000 | — | — |
| Feb 17, 2026 |
Eckel Jeffrey
Director
|
sell | 134,398 | KWD 39.22 | KWD 5,272,217.56 |
| Sep 16, 2025 |
Gopalakrishnan Nitya
Chief Operating Officer
|
grant | 20,000 | — | — |
| Jun 4, 2025 |
Eckel Jeffrey
Director
|
grant | 5,166 | — | — |
| Jun 4, 2025 |
O'Neil Charles
Director
|
grant | 5,166 | — | — |
| Jun 4, 2025 |
Reed Kimberly A.
Director
|
grant | 5,166 | — | — |
| May 15, 2025 |
Whicher Michelle
Chief Accounting Officer
|
other | 629 | KWD 28.35 | KWD 17,832.15 |
Dividend History
7 yr streakYield
0.05%
Payout Ratio
1.14%
Growth (3Y)
3.85%
Growth (5Y)
4.32%
| Ex-Date | Payment Date | Amount | Yield |
|---|---|---|---|
| Apr 02, 2026 | Apr 17, 2026 | KWD 0.43 | 4.64% |
| Dec 29, 2025 | Jan 09, 2026 | KWD 0.42 | 5.19% |
| Oct 03, 2025 | Oct 17, 2025 | KWD 0.42 | 5.46% |
| Jul 02, 2025 | Jul 11, 2025 | KWD 0.42 | 6.14% |
| Apr 04, 2025 | Apr 18, 2025 | KWD 0.42 | 6.15% |
| Dec 30, 2024 | Jan 10, 2025 | KWD 0.42 | 6.21% |
| Oct 04, 2024 | Oct 18, 2024 | KWD 0.42 | 4.74% |
| Jul 03, 2024 | Jul 12, 2024 | KWD 0.42 | 5.59% |
| Apr 04, 2024 | Apr 19, 2024 | KWD 0.42 | 6.03% |
| Dec 28, 2023 | Jan 12, 2024 | KWD 0.40 | 5.62% |
| Oct 03, 2023 | Oct 11, 2023 | KWD 0.39 | 9.45% |
| Jul 03, 2023 | Jul 12, 2023 | KWD 0.39 | 6.23% |
| Mar 31, 2023 | Apr 10, 2023 | KWD 0.39 | 5.32% |
| Dec 27, 2022 | Jan 06, 2023 | KWD 0.38 | 5.08% |
| Oct 03, 2022 | Oct 11, 2022 | KWD 0.38 | 4.89% |
| Jul 01, 2022 | Jul 12, 2022 | KWD 0.38 | 3.82% |
| Apr 01, 2022 | Apr 11, 2022 | KWD 0.38 | 2.96% |
| Dec 27, 2021 | Jan 11, 2022 | KWD 0.35 | 2.65% |
| Sep 30, 2021 | Oct 08, 2021 | KWD 0.35 | 2.60% |
| Jul 01, 2021 | Jul 09, 2021 | KWD 0.35 | 2.47% |
النقاط الرئيسية
Revenue grew 4.21% annually over 5 years — modest growth
Net margin of 46.08% shows strong profitability
Generating 226.73M in free cash flow
Revenue growth is decelerating — 1Y growth trails 5Y average by 40.79%
Cash machine — converts 122.86% of earnings into free cash flow
Capital efficient — spends only 0.00% of revenue on capex
النمو
Revenue Growth (5Y)
4.21%
Revenue (1Y)-36.58%
Earnings (1Y)-7.74%
FCF Growth (3Y)50.81%
الجودة
Return on Equity
7.51%
ROIC2.60%
Net Margin46.08%
Op. Margin66.22%
الأمان
Debt / Equity
1.97
Current Ratio255.93
Interest Coverage0.91
التقييم
P/E Ratio
25.14
Forward P/E12.53
P/B Ratio1.80
EV/EBITDA36.09
Dividend Yield0.05%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | -36.58% | Revenue Growth (3Y) | -6.78% |
| Earnings Growth (1Y) | -7.74% | Earnings Growth (3Y) | 11.35% |
| Revenue Growth (5Y) | 4.21% | Earnings Growth (5Y) | 9.88% |
| Profitability | |||
| Revenue (TTM) | 400.50M | Net Income (TTM) | 184.55M |
| ROE | 7.51% | ROA | 2.25% |
| Gross Margin | 99.61% | Operating Margin | 66.22% |
| Net Margin | 46.08% | Free Cash Flow (TTM) | 226.73M |
| ROIC | 2.60% | FCF Growth (3Y) | 50.81% |
| Safety | |||
| Debt / Equity | 1.97 | Current Ratio | 255.93 |
| Interest Coverage | 0.91 | ||
| Dividends | |||
| Dividend Yield | 0.05% | Payout Ratio | 1.14% |
| Dividend Growth (3Y) | 3.85% | Dividend Growth (5Y) | 4.32% |
| Consecutive Div Years | 7 yrs | ||
| Valuation | |||
| P/E Ratio | 25.14 | Forward P/E | 12.53 |
| P/B Ratio | 1.80 | P/S Ratio | 11.59 |
| PEG Ratio | -1.57 | Forward PEG | N/A |
| EV/EBITDA | 36.09 | Fwd EV/EBITDA | 41.36 |
| Forward P/S | 9.91 | Fwd Earnings Yield | 7.98% |
| FCF Yield | 4.89% | ||
| Market Cap | 4.64B | Enterprise Value | 9.57B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 400.50M | 631.47M | 460.85M | 271.03M | 339.59M |
| Net Income | 184.55M | 200.04M | 148.84M | 41.50M | 126.58M |
| EPS (Diluted) | 1.41 | 1.62 | 1.42 | 0.45 | 1.51 |
| Gross Profit | 398.94M | 389.11M | 289.84M | 155.47M | 217.88M |
| Operating Income | 265.22M | 273.83M | 182.38M | 49.29M | 144.50M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 8.19B | 7.08B | 6.55B | 4.76B | 4.15B |
| Total Liabilities | 5.53B | 4.68B | 4.41B | 3.10B | 2.58B |
| Shareholders' Equity | 2.57B | 2.34B | 2.09B | 1.63B | 1.54B |
| Total Debt | 5.08B | 4.40B | 4.25B | 2.98B | 2.49B |
| Cash & Equivalents | 145.22M | 129.76M | 62.63M | 155.71M | 226.20M |
| Current Assets | 3.84B | 3.10B | 3.17B | 2.23B | 1.67B |
| Current Liabilities | 15.00M | 275.64M | 163.31M | 120.11M | 88.87M |