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Day Range
$134.37
$137.15
52-Week Range
$81.62
$157.60
Volume
570,901
50D / 200D Avg
$144.80
/
$132.47
Prev Close
$137.98
Quick Summary
Price History
Financial Trends
Peer Comparison
vs Financial Services sector median (856 peers)
| Metric | Stock | Sector Median |
|---|---|---|
| P/E | 14.4 | 10.2 |
| P/B | 1.9 | 1.1 |
| ROE % | 13.5 | 11.7 |
| Net Margin % | 12.2 | 16.8 |
| Rev Growth 5Y % | 21.8 | 11.6 |
| D/E | 1.3 | 0.5 |
Analyst Price Target
Hold
$146.17
+8.3%
Low: $131.00
High: $160.00
Forward P/E
13.91
Forward EPS
$10.05
EPS Growth (est.)
+0.0%
Est. Revenue
8.58B
Earnings Estimates
| Period | EPS Est. | Revenue Est. | Analysts |
|---|---|---|---|
| FY2029 |
$11.80
$11.58 – $12.06
|
9.48B | 1 |
| FY2028 |
$12.37
$12.15 – $12.60
|
9.45B | 2 |
| FY2027 |
$11.02
$10.22 – $11.75
|
8.95B | 12 |
No quarterly estimates available
Earnings Surprises
Last 8 quarters
| Quarter | Est. EPS | Actual EPS | Surprise |
|---|---|---|---|
| 2026-01-22 | $2.37 | $2.69 | +13.5% |
| 2025-10-22 | $2.26 | $2.29 | +1.3% |
| 2025-07-23 | $2.06 | $2.13 | +3.4% |
| 2025-04-22 | $1.85 | $1.90 | +2.7% |
| 2025-01-23 | $1.96 | $2.26 | +15.3% |
| 2024-10-23 | $1.74 | $2.01 | +15.5% |
| 2024-07-17 | $1.75 | $1.78 | +1.7% |
| 2024-04-16 | $1.45 | $1.70 | +17.2% |
Dividend History
7 yr streakYield
0.02%
Payout Ratio
0.36%
Growth (3Y)
2.25%
Growth (5Y)
2.06%
| Ex-Date | Payment Date | Amount | Yield |
|---|---|---|---|
| Mar 06, 2026 | Apr 01, 2026 | $0.80 | 2.27% |
| Dec 05, 2025 | Jan 01, 2026 | $0.80 | 2.33% |
| Sep 05, 2025 | Oct 01, 2025 | $0.80 | 2.40% |
| Jun 06, 2025 | Jul 01, 2025 | $0.75 | 2.78% |
| Mar 14, 2025 | Apr 01, 2025 | $0.75 | 3.06% |
| Dec 06, 2024 | Jan 01, 2025 | $0.75 | 2.78% |
| Sep 06, 2024 | Oct 01, 2024 | $0.75 | 3.46% |
| Jun 07, 2024 | Jul 01, 2024 | $0.75 | 3.65% |
| Mar 07, 2024 | Apr 01, 2024 | $0.75 | 3.66% |
| Dec 07, 2023 | Jan 01, 2024 | $0.75 | 3.76% |
| Sep 07, 2023 | Oct 01, 2023 | $0.75 | 3.97% |
| Jun 08, 2023 | Jul 01, 2023 | $0.75 | 4.03% |
| Mar 09, 2023 | Apr 01, 2023 | $0.75 | 3.39% |
| Dec 08, 2022 | Jan 01, 2023 | $0.75 | 3.33% |
| Sep 08, 2022 | Oct 01, 2022 | $0.75 | 2.88% |
| Jun 09, 2022 | Jul 01, 2022 | $0.70 | 2.63% |
| Mar 10, 2022 | Apr 01, 2022 | $0.70 | 2.65% |
| Dec 09, 2021 | Jan 01, 2022 | $0.70 | 2.35% |
| Sep 09, 2021 | Oct 01, 2021 | $0.70 | 2.44% |
| Jun 10, 2021 | Jul 01, 2021 | $0.70 | 2.39% |
Key Takeaways
Revenue grew 21.84% annually over 5 years — strong growth
Earnings declined -14.48% over the past year
ROE of 13.49% — decent returns on equity
Generating 5.46B in free cash flow
P/E of 14.44 — trading at a low valuation
Revenue growth is decelerating — 1Y growth trails 5Y average by 31.77%
Growth
Revenue Growth (5Y)
21.84%
Revenue (1Y)-9.93%
Earnings (1Y)-14.48%
FCF Growth (3Y)67.33%
Quality
Return on Equity
13.49%
ROIC5.95%
Net Margin12.15%
Op. Margin16.30%
Safety
Debt / Equity
1.27
Current Ratio0.41
Interest Coverage0.38
Valuation
P/E Ratio
14.44
Forward P/E13.91
P/B Ratio1.94
EV/EBITDA-8.41
Dividend Yield0.02%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | -9.93% | Revenue Growth (3Y) | 8.64% |
| Earnings Growth (1Y) | -14.48% | Earnings Growth (3Y) | 25.24% |
| Revenue Growth (5Y) | 21.84% | Earnings Growth (5Y) | 2.97% |
| Profitability | |||
| Revenue (TTM) | 14.30B | Net Income (TTM) | 1.74B |
| ROE | 13.49% | ROA | 0.98% |
| Gross Margin | 56.54% | Operating Margin | 16.30% |
| Net Margin | 12.15% | Free Cash Flow (TTM) | 5.46B |
| ROIC | 5.95% | FCF Growth (3Y) | 67.33% |
| Safety | |||
| Debt / Equity | 1.27 | Current Ratio | 0.41 |
| Interest Coverage | 0.38 | ||
| Dividends | |||
| Dividend Yield | 0.02% | Payout Ratio | 0.36% |
| Dividend Growth (3Y) | 2.25% | Dividend Growth (5Y) | 2.06% |
| Consecutive Div Years | 7 yrs | ||
| Valuation | |||
| P/E Ratio | 14.44 | Forward P/E | 13.91 |
| P/B Ratio | 1.94 | P/S Ratio | 1.75 |
| PEG Ratio | -1.43 | Forward PEG | N/A |
| EV/EBITDA | -8.41 | Fwd EV/EBITDA | -8.80 |
| Forward P/S | 2.92 | Fwd Earnings Yield | 7.19% |
| FCF Yield | 21.76% | ||
| Market Cap | 25.08B | Enterprise Value | -19.62B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 14.30B | 15.88B | 12.12B | 7.75B | 6.49B |
| Net Income | 1.74B | 2.03B | 1.11B | 1.34B | 1.55B |
| EPS (Diluted) | 8.74 | 9.77 | 5.08 | 6.14 | 7.14 |
| Gross Profit | 8.09B | 8.29B | 6.75B | 6.75B | 6.55B |
| Operating Income | 2.33B | 2.66B | 1.46B | 1.77B | 2.01B |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 177.13B | 155.51B | 150.78B | 155.04B | 183.89B |
| Total Liabilities | 164.17B | 142.72B | 138.89B | 143.78B | 171.87B |
| Shareholders' Equity | 12.96B | 12.79B | 11.90B | 11.26B | 12.02B |
| Total Debt | 16.43B | 15.99B | 17.24B | 14.85B | 8.43B |
| Cash & Equivalents | 61.13B | 45.40B | 41.06B | 46.63B | 69.59B |
| Current Assets | 63.78B | 56.58B | 65.14B | 76.22B | 110.24B |
| Current Liabilities | 155.74B | 125.10B | 119.99B | 126.40B | 160.96B |