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Day Range
$51.43
$52.78
52-Week Range
$35.18
$61.19
Volume
6,973,991
50D / 200D Avg
$55.41
/
$49.81
Prev Close
$52.14
Quick Summary
Price History
Financial Trends
Peer Comparison
vs Financial Services sector median (855 peers)
| Metric | Stock | Sector Median |
|---|---|---|
| P/E | 10.6 | 10.4 |
| P/B | 1.2 | 1.1 |
| ROE % | 12.2 | 11.6 |
| Net Margin % | 17.7 | 16.8 |
| Rev Growth 5Y % | 16.0 | 11.6 |
| D/E | 1.2 | 0.5 |
Analyst Price Target
Hold
$59.79
+15.2%
Low: $52.00
High: $66.00
Forward P/E
10.29
Forward EPS
$5.04
EPS Growth (est.)
+0.0%
Est. Revenue
30.39B
Earnings Estimates
| Period | EPS Est. | Revenue Est. | Analysts |
|---|---|---|---|
| FY2028 |
$6.15
$5.54 – $6.57
|
33.56B | 5 |
| FY2027 |
$5.61
$5.27 – $5.89
|
32.14B | 12 |
| FY2026 |
$5.04
$4.84 – $5.16
|
30.39B | 13 |
No quarterly estimates available
Earnings Surprises
Last 8 quarters
| Quarter | Est. EPS | Actual EPS | Surprise |
|---|---|---|---|
| 2026-01-20 | $1.19 | $1.26 | +5.9% |
| 2025-10-16 | $1.13 | $1.22 | +8.0% |
| 2025-07-17 | $1.07 | $1.11 | +3.7% |
| 2025-04-16 | $0.98 | $1.03 | +5.2% |
| 2025-01-16 | $1.04 | $1.07 | +2.9% |
| 2024-10-16 | $0.99 | $1.03 | +4.0% |
| 2024-07-17 | $0.94 | $0.98 | +4.3% |
| 2024-04-17 | $0.88 | $0.90 | +2.3% |
Dividend History
7 yr streakYield
0.04%
Payout Ratio
0.46%
Growth (3Y)
2.76%
Growth (5Y)
3.96%
| Ex-Date | Payment Date | Amount | Yield |
|---|---|---|---|
| Mar 31, 2026 | Apr 15, 2026 | $0.52 | 3.97% |
| Dec 31, 2025 | Jan 15, 2026 | $0.52 | 3.82% |
| Sep 30, 2025 | Oct 15, 2025 | $0.52 | 4.18% |
| Jun 30, 2025 | Jul 15, 2025 | $0.50 | 4.42% |
| Mar 31, 2025 | Apr 15, 2025 | $0.50 | 4.71% |
| Dec 31, 2024 | Jan 15, 2025 | $0.50 | 4.14% |
| Sep 30, 2024 | Oct 15, 2024 | $0.50 | 4.31% |
| Jun 28, 2024 | Jul 15, 2024 | $0.49 | 4.91% |
| Mar 27, 2024 | Apr 15, 2024 | $0.49 | 4.41% |
| Dec 28, 2023 | Jan 16, 2024 | $0.49 | 4.42% |
| Sep 28, 2023 | Oct 16, 2023 | $0.48 | 5.91% |
| Jun 29, 2023 | Jul 17, 2023 | $0.48 | 5.86% |
| Mar 30, 2023 | Apr 17, 2023 | $0.48 | 5.36% |
| Dec 29, 2022 | Jan 17, 2023 | $0.48 | 4.31% |
| Sep 29, 2022 | Oct 17, 2022 | $0.48 | 4.57% |
| Jun 29, 2022 | Jul 15, 2022 | $0.46 | 3.99% |
| Mar 30, 2022 | Apr 15, 2022 | $0.46 | 3.26% |
| Dec 30, 2021 | Jan 18, 2022 | $0.46 | 3.13% |
| Sep 29, 2021 | Oct 15, 2021 | $0.46 | 2.85% |
| Jun 29, 2021 | Jul 15, 2021 | $0.42 | 2.97% |
Key Takeaways
Revenue grew 15.95% annually over 5 years — strong growth
Earnings grew 20.27% over the past year
ROE of 12.24% — decent returns on equity
Net margin of 17.68% shows strong profitability
Generating 7.97B in free cash flow
P/E of 10.64 — trading at a low valuation
Growth
Revenue Growth (5Y)
15.95%
Revenue (1Y)0.35%
Earnings (1Y)20.27%
FCF Growth (3Y)-2.86%
Quality
Return on Equity
12.24%
ROIC4.99%
Net Margin17.68%
Op. Margin22.20%
Safety
Debt / Equity
1.20
Current Ratio0.26
Interest Coverage0.66
Valuation
P/E Ratio
10.64
Forward P/E10.29
P/B Ratio1.24
EV/EBITDA11.73
Dividend Yield0.04%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 0.35% | Revenue Growth (3Y) | 2.72% |
| Earnings Growth (1Y) | 20.27% | Earnings Growth (3Y) | 18.13% |
| Revenue Growth (5Y) | 15.95% | Earnings Growth (5Y) | -1.24% |
| Profitability | |||
| Revenue (TTM) | 42.86B | Net Income (TTM) | 7.58B |
| ROE | 12.24% | ROA | 1.09% |
| Gross Margin | 62.83% | Operating Margin | 22.20% |
| Net Margin | 17.68% | Free Cash Flow (TTM) | 7.97B |
| ROIC | 4.99% | FCF Growth (3Y) | -2.86% |
| Safety | |||
| Debt / Equity | 1.20 | Current Ratio | 0.26 |
| Interest Coverage | 0.66 | ||
| Dividends | |||
| Dividend Yield | 0.04% | Payout Ratio | 0.46% |
| Dividend Growth (3Y) | 2.76% | Dividend Growth (5Y) | 3.96% |
| Consecutive Div Years | 7 yrs | ||
| Valuation | |||
| P/E Ratio | 10.64 | Forward P/E | 10.29 |
| P/B Ratio | 1.24 | P/S Ratio | 1.88 |
| PEG Ratio | 0.50 | Forward PEG | N/A |
| EV/EBITDA | 11.73 | Fwd EV/EBITDA | 13.33 |
| Forward P/S | 2.65 | Fwd Earnings Yield | 9.72% |
| FCF Yield | 9.89% | ||
| Market Cap | 80.62B | Enterprise Value | 111.66B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 42.86B | 42.71B | 40.62B | 27.40B | 23.71B |
| Net Income | 7.58B | 6.30B | 5.43B | 5.83B | 7.96B |
| EPS (Diluted) | 4.61 | 3.79 | 3.27 | 3.69 | 5.10 |
| Gross Profit | 26.93B | 25.10B | 25.74B | 22.21B | 23.89B |
| Operating Income | 9.52B | 7.91B | 6.87B | 7.30B | 10.17B |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 692.35B | 678.32B | 663.49B | 674.81B | 573.28B |
| Total Liabilities | 626.69B | 619.28B | 607.72B | 623.57B | 517.90B |
| Shareholders' Equity | 65.19B | 58.58B | 55.31B | 50.77B | 54.92B |
| Total Debt | 77.93B | 73.52B | 66.76B | 71.05B | 43.92B |
| Cash & Equivalents | 46.89B | 56.50B | 61.19B | 53.54B | 28.91B |
| Current Assets | 137.73B | 151.14B | 138.90B | 135.68B | 173.68B |
| Current Liabilities | 539.38B | 533.83B | 527.59B | 556.19B | 467.88B |