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Day Range
$11.31
$11.74
52-Week Range
$9.43
$17.80
Volume
962,950
50D / 200D Avg
$14.17
/
$14.37
Prev Close
$11.51
Quick Summary
Price History
Financial Trends
Peer Comparison
vs Financial Services sector median (856 peers)
| Metric | Stock | Sector Median |
|---|---|---|
| P/E | 21.6 | 10.2 |
| P/B | 3.0 | 1.1 |
| ROE % | 15.6 | 11.7 |
| Net Margin % | 22.3 | 16.8 |
| Rev Growth 5Y % | 13.0 | 11.6 |
| D/E | 0.3 | 0.5 |
Analyst Price Target
Hold
$20.00
+72.7%
Forward P/E
8.51
Forward EPS
$1.36
EPS Growth (est.)
+0.0%
Est. Revenue
429.17M
Earnings Estimates
| Period | EPS Est. | Revenue Est. | Analysts |
|---|---|---|---|
| FY2028 |
$1.92
$1.83 – $2.00
|
577.00M | 1 |
| FY2027 |
$1.61
$1.55 – $1.66
|
489.68M | 3 |
| FY2026 |
$1.36
$1.31 – $1.40
|
429.17M | 2 |
No quarterly estimates available
Earnings Surprises
Last 8 quarters
| Quarter | Est. EPS | Actual EPS | Surprise |
|---|---|---|---|
| 2026-02-03 | $0.45 | $0.50 | +10.8% |
| 2025-11-04 | $0.26 | $0.30 | +15.4% |
| 2025-08-01 | $0.30 | $0.24 | -20.0% |
| 2025-05-02 | $0.25 | $0.23 | -8.0% |
| 2025-02-12 | $0.36 | $0.58 | +61.1% |
| 2024-11-05 | $0.24 | $0.23 | -4.2% |
| 2024-08-01 | $0.22 | $0.22 | 0.0% |
| 2024-05-02 | $0.34 | $0.21 | -38.2% |
Dividend History
5 yr streakYield
0.04%
Payout Ratio
1.11%
Growth (3Y)
-5.10%
Growth (5Y)
N/A
| Ex-Date | Payment Date | Amount | Yield |
|---|---|---|---|
| Feb 20, 2026 | Mar 12, 2026 | $0.15 | 4.29% |
| Nov 14, 2025 | Dec 12, 2025 | $0.15 | 4.07% |
| Aug 15, 2025 | Sep 15, 2025 | $0.15 | 4.36% |
| May 14, 2025 | Jun 12, 2025 | $0.15 | 4.80% |
| Feb 25, 2025 | Mar 17, 2025 | $0.15 | 5.36% |
| Nov 18, 2024 | Dec 09, 2024 | $0.15 | 7.48% |
| Aug 19, 2024 | Sep 09, 2024 | $0.15 | 7.82% |
| May 17, 2024 | Jun 10, 2024 | $0.18 | 7.86% |
| Feb 21, 2024 | Mar 08, 2024 | $0.40 | 7.03% |
| Nov 21, 2023 | Dec 08, 2023 | $0.20 | 6.95% |
| Aug 15, 2023 | Sep 08, 2023 | $0.25 | 6.52% |
| May 16, 2023 | Jun 08, 2023 | $0.23 | 6.06% |
| Feb 28, 2023 | Mar 22, 2023 | $0.31 | 5.36% |
| Nov 14, 2022 | Dec 07, 2022 | $0.17 | 5.13% |
| Sep 01, 2022 | Sep 16, 2022 | $0.17 | 4.87% |
| Jun 01, 2022 | Jun 16, 2022 | $0.20 | 5.92% |
| Mar 01, 2022 | Mar 16, 2022 | $0.16 | 5.36% |
| Dec 01, 2021 | Dec 16, 2021 | $0.14 | 4.24% |
| Sep 01, 2021 | Sep 16, 2021 | $0.46 | 3.51% |
| Jun 01, 2021 | Jun 16, 2021 | $0.11 | 0.63% |
Key Takeaways
Revenue grew 12.99% annually over 5 years — strong growth
Earnings grew 19.10% over the past year
ROE of 15.57% — decent returns on equity
Net margin of 22.30% shows strong profitability
Debt/Equity of 0.28 — conservative balance sheet
Negative free cash flow of 0.0
Growth
Revenue Growth (5Y)
12.99%
Revenue (1Y)2.56%
Earnings (1Y)19.10%
FCF Growth (3Y)N/A
Quality
Return on Equity
15.57%
ROIC12.42%
Net Margin22.30%
Op. Margin34.21%
Safety
Debt / Equity
0.28
Current Ratio1.03
Interest Coverage0.00
Valuation
P/E Ratio
21.57
Forward P/E8.51
P/B Ratio2.99
EV/EBITDA14.98
Dividend Yield0.04%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 2.56% | Revenue Growth (3Y) | 8.24% |
| Earnings Growth (1Y) | 19.10% | Earnings Growth (3Y) | -14.97% |
| Revenue Growth (5Y) | 12.99% | Earnings Growth (5Y) | -8.57% |
| Profitability | |||
| Revenue (TTM) | 383.80M | Net Income (TTM) | 85.60M |
| ROE | 15.57% | ROA | 5.75% |
| Gross Margin | 96.20% | Operating Margin | 34.21% |
| Net Margin | 22.30% | Free Cash Flow (TTM) | 0.0 |
| ROIC | 12.42% | FCF Growth (3Y) | N/A |
| Safety | |||
| Debt / Equity | 0.28 | Current Ratio | 1.03 |
| Interest Coverage | 0.00 | ||
| Dividends | |||
| Dividend Yield | 0.04% | Payout Ratio | 1.11% |
| Dividend Growth (3Y) | -5.10% | Dividend Growth (5Y) | N/A |
| Consecutive Div Years | 5 yrs | ||
| Valuation | |||
| P/E Ratio | 21.57 | Forward P/E | 8.51 |
| P/B Ratio | 2.99 | P/S Ratio | 4.81 |
| PEG Ratio | 1.97 | Forward PEG | N/A |
| EV/EBITDA | 14.98 | Fwd EV/EBITDA | 10.48 |
| Forward P/S | 4.30 | Fwd Earnings Yield | 11.75% |
| FCF Yield | 0.00% | ||
| Market Cap | 1.85B | Enterprise Value | 1.97B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 383.80M | 374.20M | 327.62M | 258.88M | 235.52M |
| Net Income | 85.60M | 71.88M | 118.40M | 92.96M | 122.48M |
| EPS (Diluted) | 0.54 | 0.47 | 0.80 | 0.63 | 0.90 |
| Gross Profit | 369.20M | 323.72M | 288.88M | 224.05M | 220.88M |
| Operating Income | 131.30M | 165.90M | 163.86M | 130.41M | 137.22M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 1.49B | 1.21B | 1.01B | 976.24M | 761.32M |
| Total Liabilities | 850.60M | 715.18M | 490.24M | 462.78M | 197.04M |
| Shareholders' Equity | 618.20M | 481.08M | 542.49M | 552.79M | 564.29M |
| Total Debt | 174.90M | 250.41M | 15.84M | 16.09M | 7.86M |
| Cash & Equivalents | 55.00M | 33.42M | 16.05M | 26.52M | 15.26M |
| Current Assets | 403.60M | 372.68M | 401.59M | 479.64M | 352.32M |
| Current Liabilities | 393.00M | 397.39M | 397.50M | 338.00M | 156.23M |