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Day Range
$46.45
$47.01
52-Week Range
$35.20
$53.18
Volume
126,000
50D / 200D Avg
$49.20
/
$45.46
Prev Close
$47.28
Quick Summary
Price History
Financial Trends
Peer Comparison
vs Financial Services sector median (856 peers)
| Metric | Stock | Sector Median |
|---|---|---|
| P/E | 12.4 | 10.2 |
| P/B | 1.1 | 1.1 |
| ROE % | 9.5 | 11.7 |
| Net Margin % | 22.8 | 16.8 |
| Rev Growth 5Y % | 12.3 | 11.6 |
| D/E | 0.1 | 0.5 |
Analyst Price Target
Hold
$53.50
+15.0%
Low: $46.00
High: $59.00
Forward P/E
11.75
Forward EPS
$4.04
EPS Growth (est.)
+0.0%
Est. Revenue
447.67M
Earnings Estimates
| Period | EPS Est. | Revenue Est. | Analysts |
|---|---|---|---|
| FY2027 |
$4.21
$4.15 – $4.26
|
467.30M | 5 |
| FY2026 |
$4.04
$3.87 – $4.15
|
447.67M | 5 |
No quarterly estimates available
Earnings Surprises
Last 8 quarters
| Quarter | Est. EPS | Actual EPS | Surprise |
|---|---|---|---|
| 2026-03-02 | N/A | $1.03 | — |
| 2025-10-23 | $0.92 | $1.04 | +13.0% |
| 2025-07-24 | $0.82 | $0.84 | +2.4% |
| 2025-04-24 | $0.78 | $0.80 | +2.6% |
| 2025-03-03 | N/A | $0.88 | — |
| 2024-10-24 | $0.81 | $0.88 | +8.6% |
| 2024-07-25 | $0.79 | $0.87 | +10.1% |
| 2024-04-25 | $0.79 | $0.83 | +5.1% |
Dividend History
7 yr streakYield
0.03%
Payout Ratio
0.37%
Growth (3Y)
7.85%
Growth (5Y)
9.42%
| Ex-Date | Payment Date | Amount | Yield |
|---|---|---|---|
| Mar 06, 2026 | Mar 20, 2026 | $0.36 | 2.98% |
| Dec 05, 2025 | Dec 19, 2025 | $0.36 | 2.89% |
| Sep 05, 2025 | Sep 19, 2025 | $0.36 | 2.99% |
| Jun 06, 2025 | Jun 20, 2025 | $0.33 | 3.28% |
| Mar 07, 2025 | Mar 21, 2025 | $0.33 | 3.16% |
| Dec 06, 2024 | Dec 20, 2024 | $0.33 | 2.73% |
| Sep 06, 2024 | Sep 20, 2024 | $0.33 | 3.03% |
| Jun 07, 2024 | Jun 21, 2024 | $0.33 | 3.44% |
| Mar 07, 2024 | Mar 22, 2024 | $0.33 | 3.49% |
| Dec 07, 2023 | Dec 22, 2023 | $0.30 | 3.07% |
| Sep 07, 2023 | Sep 22, 2023 | $0.30 | 3.73% |
| Jun 08, 2023 | Jun 23, 2023 | $0.30 | 3.12% |
| Mar 16, 2023 | Mar 24, 2023 | $0.30 | 2.51% |
| Dec 08, 2022 | Dec 23, 2022 | $0.30 | 2.15% |
| Sep 08, 2022 | Sep 23, 2022 | $0.30 | 2.25% |
| Jun 09, 2022 | Jun 24, 2022 | $0.25 | 2.25% |
| Mar 10, 2022 | Mar 25, 2022 | $0.25 | 2.42% |
| Dec 16, 2021 | Dec 31, 2021 | $0.25 | 2.36% |
| Sep 09, 2021 | Sep 24, 2021 | $0.25 | 2.42% |
| Jun 10, 2021 | Jun 25, 2021 | $0.25 | 2.05% |
Key Takeaways
Revenue grew 12.33% annually over 5 years — strong growth
Net margin of 22.79% shows strong profitability
Debt/Equity of 0.06 — conservative balance sheet
Generating 127.93M in free cash flow
P/E of 12.44 — trading at a low valuation
Revenue growth is decelerating — 1Y growth trails 5Y average by 10.55%
Growth
Revenue Growth (5Y)
12.33%
Revenue (1Y)1.78%
Earnings (1Y)5.82%
FCF Growth (3Y)-2.29%
Quality
Return on Equity
9.54%
ROIC9.01%
Net Margin22.79%
Op. Margin31.73%
Safety
Debt / Equity
0.06
Current Ratio0.02
Interest Coverage1.41
Valuation
P/E Ratio
12.44
Forward P/E11.75
P/B Ratio1.14
EV/EBITDA8.48
Dividend Yield0.03%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 1.78% | Revenue Growth (3Y) | 4.03% |
| Earnings Growth (1Y) | 5.82% | Earnings Growth (3Y) | 1.76% |
| Revenue Growth (5Y) | 12.33% | Earnings Growth (5Y) | 0.82% |
| Profitability | |||
| Revenue (TTM) | 533.31M | Net Income (TTM) | 121.56M |
| ROE | 9.54% | ROA | 1.24% |
| Gross Margin | 75.85% | Operating Margin | 31.73% |
| Net Margin | 22.79% | Free Cash Flow (TTM) | 127.93M |
| ROIC | 9.01% | FCF Growth (3Y) | -2.29% |
| Safety | |||
| Debt / Equity | 0.06 | Current Ratio | 0.02 |
| Interest Coverage | 1.41 | ||
| Dividends | |||
| Dividend Yield | 0.03% | Payout Ratio | 0.37% |
| Dividend Growth (3Y) | 7.85% | Dividend Growth (5Y) | 9.42% |
| Consecutive Div Years | 7 yrs | ||
| Valuation | |||
| P/E Ratio | 12.44 | Forward P/E | 11.75 |
| P/B Ratio | 1.14 | P/S Ratio | 2.84 |
| PEG Ratio | 1.76 | Forward PEG | N/A |
| EV/EBITDA | 8.48 | Fwd EV/EBITDA | 7.85 |
| Forward P/S | 3.38 | Fwd Earnings Yield | 8.51% |
| FCF Yield | 8.46% | ||
| Market Cap | 1.51B | Enterprise Value | 1.44B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 533.31M | 523.97M | 492.81M | 412.05M | 334.90M |
| Net Income | 121.56M | 114.87M | 117.39M | 125.42M | 117.66M |
| EPS (Diluted) | 3.71 | 3.47 | 3.52 | 3.83 | 3.94 |
| Gross Profit | 404.52M | 382.13M | 387.14M | 384.05M | 336.17M |
| Operating Income | 169.24M | 155.12M | 160.93M | 173.91M | 163.70M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 9.82B | 9.67B | 9.91B | 9.93B | 8.61B |
| Total Liabilities | 8.49B | 8.45B | 8.75B | 8.88B | 7.61B |
| Shareholders' Equity | 1.33B | 1.22B | 1.16B | 1.05B | 1.00B |
| Total Debt | 80.23M | 216.24M | 794.52M | 442.55M | 184.53M |
| Cash & Equivalents | 157.01M | 144.96M | 98.70M | 107.23M | 768.42M |
| Current Assets | 190.67M | 194.41M | 2.30B | 2.60B | 3.00B |
| Current Liabilities | 8.27B | 8.10B | 7.88B | 8.38B | 7.42B |