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Day Range
$12.47
$12.89
52-Week Range
$10.91
$21.62
Volume
2,266,340
50D / 200D Avg
$12.66
/
$14.11
Prev Close
$12.40
Quick Summary
Price History
Financial Trends
Peer Comparison
vs Financial Services sector median (855 peers)
| Metric | Stock | Sector Median |
|---|---|---|
| P/E | 8.2 | 10.3 |
| P/B | 0.7 | 1.1 |
| ROE % | 12.4 | 11.7 |
| Net Margin % | 60.0 | 16.8 |
| Rev Growth 5Y % | 22.3 | 11.7 |
| D/E | 0.8 | 0.5 |
Analyst Price Target
Hold
$15.75
+24.5%
Low: $15.00
High: $17.00
Forward P/E
9.71
Forward EPS
$1.30
EPS Growth (est.)
+0.0%
Est. Revenue
1.44B
Earnings Estimates
| Period | EPS Est. | Revenue Est. | Analysts |
|---|---|---|---|
| FY2028 |
$1.34
$1.29 – $1.39
|
1.56B | 1 |
| FY2027 |
$1.38
$1.37 – $1.43
|
1.58B | 4 |
| FY2026 |
$1.30
$1.29 – $1.32
|
1.44B | 5 |
No quarterly estimates available
Earnings Surprises
Last 7 quarters
| Quarter | Est. EPS | Actual EPS | Surprise |
|---|---|---|---|
| 2026-02-18 | $0.33 | $0.30 | -8.3% |
| 2025-11-05 | $0.35 | $0.32 | -8.6% |
| 2025-08-06 | $0.35 | $0.36 | +2.9% |
| 2025-05-12 | N/A | $0.33 | — |
| 2024-11-08 | N/A | $0.57 | — |
| 2024-08-09 | N/A | $0.04 | — |
| 2024-05-10 | N/A | $0.44 | — |
Dividend History
1 yr streakYield
0.07%
Payout Ratio
0.55%
Growth (3Y)
N/A
Growth (5Y)
N/A
| Ex-Date | Payment Date | Amount | Yield |
|---|---|---|---|
| Sep 21, 2026 | Oct 06, 2026 | $0.05 | 7.11% |
| Jun 22, 2026 | Jul 07, 2026 | $0.05 | 12.65% |
| Mar 31, 2026 | Apr 15, 2026 | $0.35 | 12.25% |
| Mar 23, 2026 | Apr 07, 2026 | $0.05 | 9.79% |
| Dec 31, 2025 | Jan 15, 2026 | $0.35 | 7.91% |
| Dec 23, 2025 | Jan 07, 2026 | $0.05 | 5.67% |
| Sep 30, 2025 | Oct 15, 2025 | $0.35 | 5.43% |
| Sep 22, 2025 | Oct 07, 2025 | $0.05 | 2.81% |
| Jun 30, 2025 | Jul 15, 2025 | $0.35 | 2.30% |
Key Takeaways
Revenue grew 22.26% annually over 5 years — strong growth
Earnings grew 125.66% over the past year
ROE of 12.35% — decent returns on equity
Net margin of 60.03% shows strong profitability
Negative free cash flow of -915.95M
P/E of 8.22 — trading at a low valuation
Growth
Revenue Growth (5Y)
22.26%
Revenue (1Y)123.49%
Earnings (1Y)125.66%
FCF Growth (3Y)N/A
Quality
Return on Equity
12.35%
ROIC5.41%
Net Margin60.03%
Op. Margin86.20%
Safety
Debt / Equity
0.78
Current RatioN/A
Interest Coverage3.22
Valuation
P/E Ratio
8.22
Forward P/E9.71
P/B Ratio0.74
EV/EBITDA11.80
Dividend Yield0.07%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 123.49% | Revenue Growth (3Y) | 42.93% |
| Earnings Growth (1Y) | 125.66% | Earnings Growth (3Y) | 39.70% |
| Revenue Growth (5Y) | 22.26% | Earnings Growth (5Y) | 14.11% |
| Profitability | |||
| Revenue (TTM) | 1.20B | Net Income (TTM) | 720.37M |
| ROE | 12.35% | ROA | 4.90% |
| Gross Margin | 76.61% | Operating Margin | 86.20% |
| Net Margin | 60.03% | Free Cash Flow (TTM) | -915.95M |
| ROIC | 5.41% | FCF Growth (3Y) | N/A |
| Safety | |||
| Debt / Equity | 0.78 | Current Ratio | N/A |
| Interest Coverage | 3.22 | ||
| Dividends | |||
| Dividend Yield | 0.07% | Payout Ratio | 0.55% |
| Dividend Growth (3Y) | N/A | Dividend Growth (5Y) | N/A |
| Consecutive Div Years | 1 yrs | ||
| Valuation | |||
| P/E Ratio | 8.22 | Forward P/E | 9.71 |
| P/B Ratio | 0.74 | P/S Ratio | 4.93 |
| PEG Ratio | 0.52 | Forward PEG | N/A |
| EV/EBITDA | 11.80 | Fwd EV/EBITDA | 9.17 |
| Forward P/S | 4.10 | Fwd Earnings Yield | 10.30% |
| FCF Yield | -15.47% | ||
| Market Cap | 5.92B | Enterprise Value | 12.21B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 1.20B | 536.94M | 587.44M | 176.15M | 537.05M |
| Net Income | 720.37M | 319.23M | 369.14M | 19.00M | 424.81M |
| EPS (Diluted) | 1.76 | 1.52 | 1.80 | 0.09 | 3.05 |
| Gross Profit | 919.34M | 353.46M | 401.24M | 49.98M | 452.55M |
| Operating Income | 1.03B | 330.69M | 378.27M | 26.87M | 429.73M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 14.72B | 6.72B | 6.65B | 6.66B | 6.29B |
| Total Liabilities | 6.67B | 3.10B | 3.12B | 3.28B | 2.76B |
| Shareholders' Equity | 8.04B | 3.63B | 3.53B | 3.39B | 3.53B |
| Total Debt | 6.29B | 2.91B | 2.95B | 3.16B | 2.64B |
| Cash & Equivalents | 667,000.0 | 257.00M | 469.02M | 203.29M | 107.03M |
| Current Assets | 83.68M | 304.77M | 519.05M | 251.08M | 150.97M |
| Current Liabilities | 0.0 | 123.79M | 101.05M | 59.12M | 43.03M |
