Atrás
Rango del Día
$39.90
$41.14
Rango de 52 Semanas
$31.97
$58.75
Volumen
784,699
Promedio 50D / 200D
$49.95
/
$50.76
Cierre Anterior
$39.25
Historial de Precios
Tendencias Financieras
Comparación con Pares
vs mediana del sector Financial Services (854 pares)
| Métrica | Acción | Mediana del Sector |
|---|---|---|
| P/E | 16.1 | 10.3 |
| P/B | 4.4 | 1.1 |
| ROE % | 31.4 | 11.7 |
| Net Margin % | 7.4 | 16.8 |
| Rev Growth 5Y % | -0.6 | 11.7 |
| D/E | 3.0 | 0.5 |
Precio Objetivo de Analistas
Hold
$54.67
+36.1%
Low: $46.00
High: $59.00
P/E Futuro
11.1
EPS Futuro
$3.62
Crecimiento EPS (est.)
+0.0%
Ingresos Est.
3.5 B
Estimaciones de Ganancias
| Período | EPS Est. | Ingresos Est. | Analistas |
|---|---|---|---|
| FY2029 |
$5.72
$5.45 – $6.08
|
4.5 B | 1 |
| FY2028 |
$5.66
$5.39 – $6.02
|
4.3 B | 1 |
| FY2027 |
$4.86
$4.58 – $5.39
|
4 B | 5 |
Puntos Clave
Revenue declined -0.63% annually over 5 years
Earnings declined -15.39% over the past year
ROE of 31.37% indicates high profitability
Debt/Equity of 2.95 — high leverage
Generating 505.23M in free cash flow
Revenue growth is accelerating — 1Y growth exceeds 5Y average by 3.88%
Crecimiento
Revenue Growth (5Y)
-0.63%
Revenue (1Y)3.25%
Earnings (1Y)-15.39%
FCF Growth (3Y)92.48%
Calidad
Return on Equity
31.37%
ROIC9.03%
Net Margin7.43%
Op. Margin13.03%
Seguridad
Debt / Equity
2.95
Current Ratio29.35
Interest Coverage4.74
Valoración
P/E Ratio
16.09
P/B Ratio4.36
EV/EBITDA11.76
Dividend Yield0.04%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 3.25% | Revenue Growth (3Y) | 11.76% |
| Earnings Growth (1Y) | -15.39% | Earnings Growth (3Y) | N/A |
| Revenue Growth (5Y) | -0.63% | Earnings Growth (5Y) | -18.17% |
| Profitability | |||
| Revenue (TTM) | 3.19B | Net Income (TTM) | 236.83M |
| ROE | 31.37% | ROA | 4.79% |
| Gross Margin | 31.79% | Operating Margin | 13.03% |
| Net Margin | 7.43% | Free Cash Flow (TTM) | 505.23M |
| ROIC | 9.03% | FCF Growth (3Y) | 92.48% |
| Safety | |||
| Debt / Equity | 2.95 | Current Ratio | 29.35 |
| Interest Coverage | 4.74 | Dividend Yield | 0.04% |
| Valuation | |||
| P/E Ratio | 16.09 | P/B Ratio | 4.36 |
| P/S Ratio | 1.20 | PEG Ratio | -1.17 |
| EV/EBITDA | 11.76 | Dividend Yield | 0.04% |
| Market Cap | 3.81B | Enterprise Value | 4.88B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 3.19B | 3.09B | 2.55B | 2.83B | 3.27B |
| Net Income | 236.83M | 279.91M | -75.48M | 357.52M | 528.06M |
| EPS (Diluted) | 2.17 | 2.68 | -0.90 | 3.51 | 4.63 |
| Gross Profit | 1.01B | 1.08B | 605.13M | 1.17B | 1.37B |
| Operating Income | 415.32M | 386.47M | -79.96M | 516.85M | 723.85M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 4.94B | 4.79B | 4.64B | 5.85B | 7.15B |
| Total Liabilities | 3.95B | 4.03B | 4.07B | 4.59B | 5.49B |
| Shareholders' Equity | 873.66M | 636.24M | 423.76M | 556.46M | 975.22M |
| Total Debt | 2.58B | 2.19B | 2.18B | 2.20B | 2.24B |
| Cash & Equivalents | 1.50B | 1.31B | 971.32M | 1.23B | 1.47B |
| Current Assets | 2.37B | 2.62B | 2.29B | 3.29B | 4.52B |
| Current Liabilities | 80.67M | 896.79M | 1.03B | 1.56B | 2.15B |