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Day Range
$35.12
$35.64
52-Week Range
$27.35
$40.41
Volume
192,662
50D / 200D Avg
$37.02
/
$33.79
Prev Close
$35.63
Quick Summary
Price History
Financial Trends
Peer Comparison
vs Financial Services sector median (856 peers)
| Metric | Stock | Sector Median |
|---|---|---|
| P/E | 13.0 | 10.2 |
| P/B | 1.0 | 1.1 |
| ROE % | 7.6 | 11.7 |
| Net Margin % | 10.2 | 16.8 |
| Rev Growth 5Y % | -3.2 | 11.6 |
| D/E | 0.4 | 0.5 |
Analyst Price Target
Hold
$36.00
+2.3%
Forward P/E
17.01
Forward EPS
$2.09
EPS Growth (est.)
+0.0%
Est. Revenue
1.25B
Earnings Estimates
| Period | EPS Est. | Revenue Est. | Analysts |
|---|---|---|---|
| FY2027 |
$2.32
$2.25 – $2.40
|
1.31B | 3 |
| FY2026 |
$2.09
$1.92 – $2.37
|
1.25B | 3 |
No quarterly estimates available
Earnings Surprises
Last 8 quarters
| Quarter | Est. EPS | Actual EPS | Surprise |
|---|---|---|---|
| 2026-01-29 | $0.44 | $0.69 | +58.6% |
| 2025-10-23 | $0.51 | $0.74 | +46.5% |
| 2025-07-24 | $0.41 | $0.57 | +40.7% |
| 2025-04-24 | $0.27 | $0.65 | +140.7% |
| 2025-01-30 | $0.28 | $0.55 | +96.4% |
| 2024-10-24 | $0.37 | $0.46 | +24.3% |
| 2024-07-25 | $0.26 | $0.31 | +19.2% |
| 2024-04-18 | $0.25 | $0.42 | +68.0% |
Dividend History
7 yr streakYield
0.02%
Payout Ratio
0.27%
Growth (3Y)
6.27%
Growth (5Y)
14.87%
| Ex-Date | Payment Date | Amount | Yield |
|---|---|---|---|
| Feb 13, 2026 | Feb 27, 2026 | $0.20 | 1.88% |
| Nov 07, 2025 | Nov 21, 2025 | $0.18 | 2.18% |
| Aug 15, 2025 | Aug 29, 2025 | $0.18 | 2.22% |
| May 08, 2025 | May 22, 2025 | $0.18 | 2.30% |
| Feb 13, 2025 | Feb 27, 2025 | $0.18 | 2.16% |
| Nov 08, 2024 | Nov 22, 2024 | $0.17 | 2.09% |
| Aug 16, 2024 | Aug 30, 2024 | $0.17 | 2.14% |
| May 09, 2024 | May 24, 2024 | $0.17 | 2.10% |
| Feb 09, 2024 | Feb 28, 2024 | $0.17 | 2.10% |
| Nov 10, 2023 | Nov 28, 2023 | $0.16 | 2.23% |
| Aug 10, 2023 | Aug 25, 2023 | $0.16 | 2.02% |
| May 09, 2023 | May 25, 2023 | $0.16 | 2.02% |
| Feb 09, 2023 | Feb 24, 2023 | $0.16 | 1.81% |
| Nov 09, 2022 | Nov 25, 2022 | $0.15 | 2.10% |
| Aug 11, 2022 | Aug 26, 2022 | $0.15 | 1.96% |
| May 12, 2022 | May 27, 2022 | $0.15 | 1.88% |
| Feb 14, 2022 | Feb 28, 2022 | $0.15 | 1.57% |
| Nov 12, 2021 | Nov 30, 2021 | $0.12 | 1.29% |
| Aug 12, 2021 | Aug 31, 2021 | $0.12 | 1.35% |
| May 13, 2021 | May 28, 2021 | $0.12 | 1.16% |
Key Takeaways
Revenue declined -3.24% annually over 5 years
Earnings grew 46.27% over the past year
Debt/Equity of 0.43 — conservative balance sheet
Negative free cash flow of -95.10M
P/E of 13.04 — trading at a low valuation
PEG of 0.25 suggests growth is underpriced
Growth
Revenue Growth (5Y)
-3.24%
Revenue (1Y)5.45%
Earnings (1Y)46.27%
FCF Growth (3Y)N/A
Quality
Return on Equity
7.60%
ROIC5.36%
Net Margin10.19%
Op. Margin13.60%
Safety
Debt / Equity
0.43
Current Ratio0.24
Interest Coverage0.64
Valuation
P/E Ratio
13.04
Forward P/E17.01
P/B Ratio1.00
EV/EBITDA8.38
Dividend Yield0.02%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 5.45% | Revenue Growth (3Y) | 3.96% |
| Earnings Growth (1Y) | 46.27% | Earnings Growth (3Y) | 22.89% |
| Revenue Growth (5Y) | -3.24% | Earnings Growth (5Y) | -18.45% |
| Profitability | |||
| Revenue (TTM) | 1.63B | Net Income (TTM) | 165.59M |
| ROE | 7.60% | ROA | 1.05% |
| Gross Margin | 78.42% | Operating Margin | 13.60% |
| Net Margin | 10.19% | Free Cash Flow (TTM) | -95.10M |
| ROIC | 5.36% | FCF Growth (3Y) | N/A |
| Safety | |||
| Debt / Equity | 0.43 | Current Ratio | 0.24 |
| Interest Coverage | 0.64 | ||
| Dividends | |||
| Dividend Yield | 0.02% | Payout Ratio | 0.27% |
| Dividend Growth (3Y) | 6.27% | Dividend Growth (5Y) | 14.87% |
| Consecutive Div Years | 7 yrs | ||
| Valuation | |||
| P/E Ratio | 13.04 | Forward P/E | 17.01 |
| P/B Ratio | 1.00 | P/S Ratio | 1.33 |
| PEG Ratio | 0.25 | Forward PEG | N/A |
| EV/EBITDA | 8.38 | Fwd EV/EBITDA | 9.40 |
| Forward P/S | 1.72 | Fwd Earnings Yield | 5.88% |
| FCF Yield | -4.41% | ||
| Market Cap | 2.16B | Enterprise Value | 1.85B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 1.63B | 1.54B | 1.50B | 1.35B | 1.85B |
| Net Income | 165.59M | 113.21M | 109.65M | 113.13M | 374.50M |
| EPS (Diluted) | 2.64 | 1.74 | 1.69 | 1.60 | 4.61 |
| Gross Profit | 1.27B | 1.12B | 1.11B | 1.21B | 1.80B |
| Operating Income | 221.06M | 154.26M | 149.12M | 156.13M | 504.07M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 15.84B | 16.27B | 16.47B | 16.27B | 18.69B |
| Total Liabilities | 13.65B | 14.05B | 14.32B | 14.20B | 16.14B |
| Shareholders' Equity | 2.17B | 2.19B | 2.12B | 2.05B | 2.52B |
| Total Debt | 926.75M | 1.35B | 1.39B | 1.50B | 1.47B |
| Cash & Equivalents | 1.23B | 2.30B | 1.86B | 1.58B | 2.82B |
| Current Assets | 1.23B | 5.15B | 4.94B | 4.28B | 6.63B |
| Current Liabilities | 5.07B | 13.29B | 13.43B | 13.31B | 15.29B |