Atrás
Rango del Día
$25.42
$26.08
Rango de 52 Semanas
$17.74
$31.53
Volumen
13,274,616
Promedio 50D / 200D
$28.23
/
$26.11
Cierre Anterior
$25.64
Quick Summary
Historial de Precios
Tendencias Financieras
Comparación con Pares
vs mediana del sector Financial Services (854 pares)
| Métrica | Acción | Mediana del Sector |
|---|---|---|
| P/E | 10.5 | 10.3 |
| P/B | 1.2 | 1.1 |
| ROE % | 11.7 | 11.6 |
| Net Margin % | 22.4 | 16.8 |
| Rev Growth 5Y % | 9.8 | 11.6 |
| D/E | 0.3 | 0.5 |
Precio Objetivo de Analistas
Hold
$29.89
+16.0%
Low: $27.00
High: $32.00
P/E Futuro
9.90
EPS Futuro
$2.60
Crecimiento EPS (est.)
+0.0%
Ingresos Est.
7.89B
Estimaciones de Ganancias
| Período | EPS Est. | Ingresos Est. | Analistas |
|---|---|---|---|
| FY2028 |
$3.19
$2.91 – $3.35
|
8.56B | 4 |
| FY2027 |
$2.86
$2.75 – $2.99
|
8.18B | 16 |
| FY2026 |
$2.60
$2.53 – $2.66
|
7.89B | 17 |
No quarterly estimates available
Earnings Surprises
Last 8 quarters
| Quarter | Est. EPS | Actual EPS | Surprise |
|---|---|---|---|
| 2026-02-24 | N/A | $0.61 | — |
| 2025-10-17 | $0.60 | $0.63 | +5.5% |
| 2025-07-18 | $0.56 | $0.60 | +7.3% |
| 2025-04-17 | $0.51 | $0.54 | +6.3% |
| 2025-01-17 | $0.55 | $0.59 | +7.3% |
| 2024-10-18 | $0.53 | $0.49 | -7.5% |
| 2024-07-19 | $0.48 | $0.52 | +8.3% |
| 2024-04-19 | $0.45 | $0.37 | -17.8% |
Dividend History
7 yr streakYield
0.04%
Payout Ratio
0.47%
Growth (3Y)
11.65%
Growth (5Y)
10.69%
| Ex-Date | Payment Date | Amount | Yield |
|---|---|---|---|
| Mar 02, 2026 | Apr 01, 2026 | $0.27 | 3.74% |
| Dec 01, 2025 | Jan 02, 2026 | $0.27 | 4.07% |
| Sep 02, 2025 | Oct 01, 2025 | $0.27 | 3.77% |
| Jun 02, 2025 | Jul 01, 2025 | $0.25 | 4.74% |
| Mar 03, 2025 | Apr 01, 2025 | $0.25 | 4.28% |
| Dec 02, 2024 | Jan 02, 2025 | $0.25 | 3.69% |
| Sep 03, 2024 | Oct 01, 2024 | $0.25 | 4.22% |
| Jun 03, 2024 | Jul 01, 2024 | $0.24 | 5.07% |
| Feb 29, 2024 | Apr 01, 2024 | $0.24 | 4.94% |
| Dec 07, 2023 | Jan 02, 2024 | $0.24 | 5.10% |
| Aug 31, 2023 | Oct 02, 2023 | $0.24 | 4.58% |
| Jun 01, 2023 | Jul 03, 2023 | $0.20 | 4.61% |
| Mar 09, 2023 | Apr 03, 2023 | $0.20 | 3.73% |
| Dec 07, 2022 | Jan 03, 2023 | $0.20 | 3.43% |
| Sep 01, 2022 | Oct 03, 2022 | $0.20 | 3.32% |
| Jun 02, 2022 | Jul 01, 2022 | $0.17 | 3.11% |
| Mar 10, 2022 | Apr 01, 2022 | $0.17 | 3.02% |
| Dec 02, 2021 | Jan 03, 2022 | $0.17 | 2.87% |
| Sep 02, 2021 | Oct 01, 2021 | $0.17 | 3.17% |
| Jun 03, 2021 | Jul 01, 2021 | $0.16 | 2.70% |
Puntos Clave
Revenue grew 9.83% annually over 5 years — modest growth
ROE of 11.68% — decent returns on equity
Net margin of 22.44% shows strong profitability
Debt/Equity of 0.26 — conservative balance sheet
Generating 2.18B in free cash flow
P/E of 10.48 — trading at a low valuation
Crecimiento
Revenue Growth (5Y)
9.83%
Revenue (1Y)2.51%
Earnings (1Y)13.89%
FCF Growth (3Y)0.69%
Calidad
Return on Equity
11.68%
ROIC8.60%
Net Margin22.44%
Op. Margin28.55%
Seguridad
Debt / Equity
0.26
Current Ratio0.30
Interest Coverage1.32
Valoración
P/E Ratio
10.48
Forward P/E9.90
P/B Ratio1.19
EV/EBITDA6.04
Dividend Yield0.04%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 2.51% | Revenue Growth (3Y) | 2.46% |
| Earnings Growth (1Y) | 13.89% | Earnings Growth (3Y) | 1.96% |
| Revenue Growth (5Y) | 9.83% | Earnings Growth (5Y) | -3.83% |
| Profitability | |||
| Revenue (TTM) | 9.61B | Net Income (TTM) | 2.16B |
| ROE | 11.68% | ROA | 1.35% |
| Gross Margin | 74.64% | Operating Margin | 28.55% |
| Net Margin | 22.44% | Free Cash Flow (TTM) | 2.18B |
| ROIC | 8.60% | FCF Growth (3Y) | 0.69% |
| Safety | |||
| Debt / Equity | 0.26 | Current Ratio | 0.30 |
| Interest Coverage | 1.32 | ||
| Dividends | |||
| Dividend Yield | 0.04% | Payout Ratio | 0.47% |
| Dividend Growth (3Y) | 11.65% | Dividend Growth (5Y) | 10.69% |
| Consecutive Div Years | 7 yrs | ||
| Valuation | |||
| P/E Ratio | 10.48 | Forward P/E | 9.90 |
| P/B Ratio | 1.19 | P/S Ratio | 2.35 |
| PEG Ratio | 0.58 | Forward PEG | N/A |
| EV/EBITDA | 6.04 | Fwd EV/EBITDA | 5.70 |
| Forward P/S | 2.86 | Fwd Earnings Yield | 10.10% |
| FCF Yield | 9.66% | ||
| Market Cap | 22.59B | Enterprise Value | 16.57B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 9.61B | 9.37B | 9.15B | 7.48B | 6.60B |
| Net Income | 2.16B | 1.89B | 2.07B | 2.25B | 2.52B |
| EPS (Diluted) | 2.29 | 1.93 | 2.11 | 2.28 | 2.49 |
| Gross Profit | 7.17B | 6.60B | 7.02B | 6.89B | 6.96B |
| Operating Income | 2.74B | 2.35B | 2.61B | 2.88B | 3.22B |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 159.55B | 157.30B | 152.19B | 155.22B | 162.94B |
| Total Liabilities | 140.45B | 139.39B | 134.70B | 139.27B | 144.61B |
| Shareholders' Equity | 19.04B | 17.88B | 17.43B | 15.95B | 18.33B |
| Total Debt | 4.88B | 6.49B | 2.33B | 2.28B | 2.41B |
| Cash & Equivalents | 10.91B | 10.71B | 6.80B | 11.23B | 29.41B |
| Current Assets | 39.55B | 34.73B | 35.52B | 39.67B | 58.21B |
| Current Liabilities | 131.88B | 128.10B | 127.79B | 131.74B | 139.07B |