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Day Range
$38.53
$39.09
52-Week Range
$32.83
$42.99
Volume
301,842
50D / 200D Avg
$40.41
/
$38.65
Prev Close
$38.44
Quick Summary
Price History
Financial Trends
Peer Comparison
vs Financial Services sector median (854 peers)
| Metric | Stock | Sector Median |
|---|---|---|
| P/E | 13.4 | 10.3 |
| P/B | 1.1 | 1.1 |
| ROE % | 8.2 | 11.7 |
| Net Margin % | 18.8 | 16.9 |
| Rev Growth 5Y % | 17.5 | 11.6 |
| D/E | 0.1 | 0.5 |
Analyst Price Target
Hold
$42.00
+8.4%
Forward P/E
11.37
Forward EPS
$3.41
EPS Growth (est.)
+0.0%
Est. Revenue
543.97M
Earnings Estimates
| Period | EPS Est. | Revenue Est. | Analysts |
|---|---|---|---|
| FY2027 |
$3.95
$3.91 – $4.00
|
580.66M | 3 |
| FY2026 |
$3.41
$3.37 – $3.46
|
543.97M | 3 |
No quarterly estimates available
Earnings Surprises
Last 8 quarters
| Quarter | Est. EPS | Actual EPS | Surprise |
|---|---|---|---|
| 2026-01-27 | $0.82 | $0.60 | -26.7% |
| 2025-10-21 | $0.90 | $0.96 | +6.7% |
| 2025-07-22 | $0.82 | $0.88 | +7.3% |
| 2025-04-22 | $0.76 | $0.63 | -17.1% |
| 2025-01-22 | $0.79 | $0.86 | +8.9% |
| 2024-10-22 | $0.75 | $0.86 | +14.7% |
| 2024-07-23 | $0.74 | $0.68 | -8.1% |
| 2024-04-24 | $0.76 | $0.82 | +7.9% |
Dividend History
Yield
0.03%
Payout Ratio
0.42%
Growth (3Y)
N/A
Growth (5Y)
N/A
No dividend history available.
Key Takeaways
Revenue grew 17.52% annually over 5 years — strong growth
Net margin of 18.76% shows strong profitability
Debt/Equity of 0.05 — conservative balance sheet
Generating 132.50M in free cash flow
P/E of 13.43 — trading at a low valuation
Revenue growth is decelerating — 1Y growth trails 5Y average by 19.27%
Growth
Revenue Growth (5Y)
17.52%
Revenue (1Y)-1.75%
Earnings (1Y)-7.78%
FCF Growth (3Y)0.92%
Quality
Return on Equity
8.15%
ROIC7.35%
Net Margin18.76%
Op. Margin24.44%
Safety
Debt / Equity
0.05
Current Ratio0.27
Interest Coverage0.83
Valuation
P/E Ratio
13.43
Forward P/E11.16
P/B Ratio1.06
EV/EBITDA7.89
Dividend Yield0.03%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | -1.75% | Revenue Growth (3Y) | 2.71% |
| Earnings Growth (1Y) | -7.78% | Earnings Growth (3Y) | -12.17% |
| Revenue Growth (5Y) | 17.52% | Earnings Growth (5Y) | 4.02% |
| Profitability | |||
| Revenue (TTM) | 583.94M | Net Income (TTM) | 109.57M |
| ROE | 8.15% | ROA | 1.11% |
| Gross Margin | 69.18% | Operating Margin | 24.44% |
| Net Margin | 18.76% | Free Cash Flow (TTM) | 132.50M |
| ROIC | 7.35% | FCF Growth (3Y) | 0.92% |
| Safety | |||
| Debt / Equity | 0.05 | Current Ratio | 0.27 |
| Interest Coverage | 0.83 | ||
| Dividends | |||
| Dividend Yield | 0.03% | Payout Ratio | 0.42% |
| Dividend Growth (3Y) | N/A | Dividend Growth (5Y) | N/A |
| Consecutive Div Years | N/A | ||
| Valuation | |||
| P/E Ratio | 13.43 | Forward P/E | 11.16 |
| P/B Ratio | 1.06 | P/S Ratio | 2.52 |
| PEG Ratio | -1.71 | Forward PEG | N/A |
| EV/EBITDA | 7.89 | Fwd EV/EBITDA | 6.30 |
| Forward P/S | 2.70 | Fwd Earnings Yield | 8.96% |
| FCF Yield | 9.01% | ||
| Market Cap | 1.47B | Enterprise Value | 1.13B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 583.94M | 594.31M | 553.56M | 346.52M | 306.15M |
| Net Income | 109.57M | 118.82M | 142.05M | 71.27M | 93.61M |
| EPS (Diluted) | 2.85 | 3.08 | 3.72 | 2.18 | 3.01 |
| Gross Profit | 403.97M | 394.68M | 411.80M | 291.94M | 301.62M |
| Operating Income | 142.73M | 145.25M | 175.60M | 86.18M | 114.97M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 9.88B | 9.81B | 9.95B | 9.57B | 7.21B |
| Total Liabilities | 8.50B | 8.50B | 8.74B | 8.48B | 6.37B |
| Shareholders' Equity | 1.39B | 1.31B | 1.21B | 1.09B | 840.11M |
| Total Debt | 71.89M | 123.41M | 413.83M | 459.10M | 62.25M |
| Cash & Equivalents | 417.06M | 127.85M | 190.83M | 195.51M | 845.70M |
| Current Assets | 945.70M | 655.40M | 819.66M | 901.79M | 1.54B |
| Current Liabilities | 3.46B | 8.26B | 8.21B | 7.89B | 6.25B |