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Day Range
$35.79
$36.70
52-Week Range
$24.13
$40.21
Volume
150,933
50D / 200D Avg
$36.18
/
$31.69
Prev Close
$36.14
Price History
Financial Trends
Peer Comparison
vs Financial Services sector median (854 peers)
| Metric | Stock | Sector Median |
|---|---|---|
| P/E | 17.9 | 10.3 |
| P/B | 1.1 | 1.1 |
| ROE % | 6.3 | 11.6 |
| Net Margin % | 17.3 | 16.8 |
| Rev Growth 5Y % | 22.9 | 11.6 |
| D/E | 0.0 | 0.5 |
Analyst Price Target
Hold
$32.00
-11.7%
Forward P/E
16.7
Forward EPS
$2.16
EPS Growth (est.)
+0.0%
Est. Revenue
450 M
Earnings Estimates
| Period | EPS Est. | Revenue Est. | Analysts |
|---|---|---|---|
| FY2027 |
$2.38
$2.29 – $2.45
|
470 M | 3 |
| FY2026 |
$2.16
$2.09 – $2.22
|
450 M | 2 |
Key Takeaways
Revenue grew 22.85% annually over 5 years — strong growth
Earnings declined -10.55% over the past year
Net margin of 17.25% shows strong profitability
Debt/Equity of 0.02 — conservative balance sheet
Generating 92.61M in free cash flow
Revenue growth is decelerating — 1Y growth trails 5Y average by 27.52%
Growth
Revenue Growth (5Y)
22.85%
Revenue (1Y)-4.67%
Earnings (1Y)-10.55%
FCF Growth (3Y)-24.24%
Quality
Return on Equity
6.28%
ROIC5.61%
Net Margin17.25%
Op. Margin21.43%
Safety
Debt / Equity
0.02
Current Ratio31.79
Interest Coverage0.74
Valuation
P/E Ratio
17.89
P/B Ratio1.10
EV/EBITDA11.44
Dividend Yield0.02%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | -4.67% | Revenue Growth (3Y) | -1.57% |
| Earnings Growth (1Y) | -10.55% | Earnings Growth (3Y) | -11.21% |
| Revenue Growth (5Y) | 22.85% | Earnings Growth (5Y) | 5.98% |
| Profitability | |||
| Revenue (TTM) | 596.26M | Net Income (TTM) | 102.87M |
| ROE | 6.28% | ROA | 0.95% |
| Gross Margin | 69.31% | Operating Margin | 21.43% |
| Net Margin | 17.25% | Free Cash Flow (TTM) | 92.61M |
| ROIC | 5.61% | FCF Growth (3Y) | -24.24% |
| Safety | |||
| Debt / Equity | 0.02 | Current Ratio | 31.79 |
| Interest Coverage | 0.74 | Dividend Yield | 0.02% |
| Valuation | |||
| P/E Ratio | 17.89 | P/B Ratio | 1.10 |
| P/S Ratio | 3.09 | PEG Ratio | -2.09 |
| EV/EBITDA | 11.44 | Dividend Yield | 0.02% |
| Market Cap | 1.84B | Enterprise Value | 1.46B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 596.26M | 625.45M | 615.38M | 343.35M | 261.75M |
| Net Income | 102.87M | 115.00M | 130.50M | 51.43M | 81.55M |
| EPS (Diluted) | 1.99 | 2.15 | 2.45 | 1.47 | 2.82 |
| Gross Profit | 413.25M | 433.92M | 452.38M | 258.60M | 239.45M |
| Operating Income | 127.78M | 144.96M | 161.88M | 62.52M | 99.89M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 10.81B | 10.91B | 10.65B | 10.90B | 7.10B |
| Total Liabilities | 9.14B | 9.30B | 9.13B | 9.52B | 6.29B |
| Shareholders' Equity | 1.67B | 1.61B | 1.52B | 1.38B | 816.47M |
| Total Debt | 40.23M | 70.11M | 159.77M | 173.29M | 212.95M |
| Cash & Equivalents | 419.45M | 911.22M | 399.24M | 371.71M | 757.51M |
| Current Assets | 130.20M | 2.13B | 1.84B | 2.22B | 2.56B |
| Current Liabilities | 4.09M | 9.15B | 8.88B | 9.27B | 6.05B |