Back
Day Range
$24.54
$24.73
52-Week Range
$22.72
$24.77
Volume
459,848
50D / 200D Avg
$24.39
/
$23.95
Prev Close
$24.72
Quick Summary
Price History
Financial Trends
Peer Comparison
vs Financial Services sector median (857 peers)
| Metric | Stock | Sector Median |
|---|---|---|
| P/E | 24.8 | 10.2 |
| P/B | 0.9 | 1.1 |
| ROE % | 4.0 | 11.7 |
| Net Margin % | 4.6 | 16.8 |
| Rev Growth 5Y % | 0.5 | 11.7 |
| D/E | 0.3 | 0.5 |
Analyst Price Target
Hold
$18.33
-25.4%
Low: $17.00
High: $20.00
Forward P/E
21.27
Forward EPS
$1.16
EPS Growth (est.)
+0.0%
Est. Revenue
846.79M
Earnings Estimates
| Period | EPS Est. | Revenue Est. | Analysts |
|---|---|---|---|
| FY2027 |
$1.12
$0.91 – $1.37
|
841.54M | 2 |
| FY2026 |
$1.16
$1.09 – $1.30
|
846.79M | 3 |
No quarterly estimates available
Earnings Surprises
Last 8 quarters
| Quarter | Est. EPS | Actual EPS | Surprise |
|---|---|---|---|
| 2026-02-23 | $0.41 | $0.82 | +98.9% |
| 2025-11-04 | $0.28 | $0.15 | -46.4% |
| 2025-08-05 | $0.19 | $0.52 | +173.7% |
| 2025-05-06 | $0.19 | $0.13 | -31.6% |
| 2025-02-24 | $0.17 | $0.36 | +111.8% |
| 2024-11-04 | $0.14 | $0.34 | +142.9% |
| 2024-08-08 | $0.10 | $0.23 | +130.0% |
| 2024-05-06 | $0.06 | $0.08 | +33.3% |
Dividend History
5 yr streakYield
0.00%
Payout Ratio
0.00%
Growth (3Y)
-52.28%
Growth (5Y)
N/A
| Ex-Date | Payment Date | Amount | Yield |
|---|---|---|---|
| Mar 28, 2023 | Apr 13, 2023 | $0.05 | 1.13% |
| Dec 21, 2022 | Jan 10, 2023 | $0.05 | 1.11% |
| Sep 28, 2022 | Oct 13, 2022 | $0.05 | 1.04% |
| Jun 14, 2022 | Jun 29, 2022 | $0.05 | 0.92% |
| Mar 23, 2022 | Apr 07, 2022 | $0.05 | 0.79% |
| Dec 21, 2021 | Jan 07, 2022 | $0.05 | 0.85% |
| Sep 23, 2021 | Oct 08, 2021 | $0.05 | 0.86% |
| Jun 28, 2021 | Jul 14, 2021 | $0.05 | 0.88% |
| Mar 25, 2021 | Apr 13, 2021 | $0.05 | 0.74% |
| Dec 21, 2020 | Jan 07, 2021 | $0.05 | 2.53% |
| Sep 23, 2020 | Oct 09, 2020 | $0.05 | 5.05% |
| Jun 10, 2020 | Jul 08, 2020 | $0.05 | 6.35% |
| Mar 26, 2020 | Apr 15, 2020 | $0.31 | 4.95% |
| Dec 26, 2019 | Jan 14, 2020 | $0.31 | 3.44% |
| Sep 26, 2019 | Oct 11, 2019 | $0.31 | 4.33% |
| Jun 13, 2019 | Jul 11, 2019 | $0.31 | 4.58% |
| Mar 28, 2019 | Apr 22, 2019 | $0.31 | 4.97% |
| Dec 20, 2018 | Jan 09, 2019 | $0.81 | 4.59% |
| Sep 27, 2018 | Oct 10, 2018 | $0.31 | 12.73% |
| Jun 21, 2018 | Jul 10, 2018 | $0.31 | 16.56% |
Key Takeaways
Revenue grew 0.52% annually over 5 years — modest growth
ROE of 3.99% is below average
Debt/Equity of 0.33 — conservative balance sheet
Negative free cash flow of -29.22M
Revenue growth is decelerating — 1Y growth trails 5Y average by 3.19%
Capital efficient — spends only 0.33% of revenue on capex
Growth
Revenue Growth (5Y)
0.52%
Revenue (1Y)-2.67%
Earnings (1Y)-3.47%
FCF Growth (3Y)N/A
Quality
Return on Equity
3.99%
ROIC3.01%
Net Margin4.64%
Op. Margin6.56%
Safety
Debt / Equity
0.33
Current Ratio0.15
Interest Coverage3.46
Valuation
P/E Ratio
24.82
Forward P/E21.27
P/B Ratio0.94
EV/EBITDA23.22
Dividend Yield0.00%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | -2.67% | Revenue Growth (3Y) | -1.44% |
| Earnings Growth (1Y) | -3.47% | Earnings Growth (3Y) | N/A |
| Revenue Growth (5Y) | 0.52% | Earnings Growth (5Y) | -22.90% |
| Profitability | |||
| Revenue (TTM) | 1.10B | Net Income (TTM) | 50.92M |
| ROE | 3.99% | ROA | 0.93% |
| Gross Margin | 39.40% | Operating Margin | 6.56% |
| Net Margin | 4.64% | Free Cash Flow (TTM) | -29.22M |
| ROIC | 3.01% | FCF Growth (3Y) | N/A |
| Safety | |||
| Debt / Equity | 0.33 | Current Ratio | 0.15 |
| Interest Coverage | 3.46 | ||
| Dividends | |||
| Dividend Yield | 0.00% | Payout Ratio | 0.00% |
| Dividend Growth (3Y) | -52.28% | Dividend Growth (5Y) | N/A |
| Consecutive Div Years | 5 yrs | ||
| Valuation | |||
| P/E Ratio | 24.82 | Forward P/E | 21.27 |
| P/B Ratio | 0.94 | P/S Ratio | 1.15 |
| PEG Ratio | -6.27 | Forward PEG | N/A |
| EV/EBITDA | 23.22 | Fwd EV/EBITDA | 22.77 |
| Forward P/S | 1.49 | Fwd Earnings Yield | 4.70% |
| FCF Yield | -2.31% | ||
| Market Cap | 1.26B | Enterprise Value | 1.67B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 1.10B | 1.13B | 1.13B | 1.10B | 1.08B |
| Net Income | 50.92M | 52.74M | -38.60M | -402,000.0 | 144.12M |
| EPS (Diluted) | 0.99 | 1.03 | -0.73 | -0.01 | 2.67 |
| Gross Profit | 432.61M | 253.34M | 195.11M | 191.86M | 212.58M |
| Operating Income | 72.07M | 63.08M | -39.15M | -6.22M | 146.61M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 5.45B | 5.57B | 5.63B | 5.70B | 6.19B |
| Total Liabilities | 4.10B | 4.37B | 4.52B | 4.60B | 4.76B |
| Shareholders' Equity | 1.35B | 1.20B | 1.11B | 1.10B | 1.43B |
| Total Debt | 446.46M | 442.26M | 444.31M | 446.99M | 445.83M |
| Cash & Equivalents | 36.49M | 54.88M | 65.90M | 29.96M | 143.60M |
| Current Assets | 549.88M | 0.0 | 541.25M | 0.0 | 4.93B |
| Current Liabilities | 3.56B | 3.83B | 2.96B | 0.0 | 22.63M |