Atrás
Rango del Día
$69.41
$71.23
Rango de 52 Semanas
$57.05
$97.23
Volumen
683,187
Promedio 50D / 200D
$84.97
/
$82.77
Cierre Anterior
$69.69
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 | 8.0 | 10.3 |
| P/B | 1.0 | 1.1 |
| ROE % | 13.5 | 11.7 |
| Net Margin % | 18.4 | 16.9 |
| Rev Growth 5Y % | 27.4 | 11.6 |
| D/E | 0.9 | 0.5 |
Precio Objetivo de Analistas
Hold
$96.83
+36.9%
Low: $85.00
High: $105.00
P/E Futuro
7.00
EPS Futuro
$10.10
Crecimiento EPS (est.)
+0.0%
Ingresos Est.
3.97B
Estimaciones de Ganancias
| Período | EPS Est. | Ingresos Est. | Analistas |
|---|---|---|---|
| FY2028 |
$13.49
$13.00 – $14.48
|
4.60B | 3 |
| FY2027 |
$11.80
$11.31 – $12.10
|
4.29B | 10 |
| FY2026 |
$10.10
$9.76 – $10.52
|
3.97B | 11 |
No quarterly estimates available
Earnings Surprises
Last 8 quarters
| Quarter | Est. EPS | Actual EPS | Surprise |
|---|---|---|---|
| 2026-01-26 | $2.39 | $2.59 | +8.4% |
| 2025-10-21 | $2.08 | $2.28 | +9.6% |
| 2025-07-17 | $2.02 | $2.07 | +2.5% |
| 2025-04-21 | $1.78 | $1.79 | +0.6% |
| 2025-01-27 | $1.92 | $1.95 | +1.6% |
| 2024-10-17 | $1.89 | $1.80 | -4.8% |
| 2024-07-18 | $1.71 | $1.75 | +2.3% |
| 2024-04-18 | $1.66 | $1.60 | -3.6% |
Dividend History
7 yr streakYield
0.02%
Payout Ratio
0.19%
Growth (3Y)
3.18%
Growth (5Y)
9.30%
| Ex-Date | Payment Date | Amount | Yield |
|---|---|---|---|
| Feb 20, 2026 | Mar 06, 2026 | $0.42 | 1.71% |
| Nov 13, 2025 | Nov 28, 2025 | $0.42 | 2.00% |
| Aug 14, 2025 | Aug 29, 2025 | $0.38 | 1.81% |
| May 15, 2025 | May 30, 2025 | $0.38 | 1.93% |
| Feb 14, 2025 | Feb 28, 2025 | $0.38 | 1.69% |
| Nov 15, 2024 | Nov 29, 2024 | $0.38 | 1.65% |
| Aug 16, 2024 | Aug 30, 2024 | $0.37 | 1.88% |
| May 15, 2024 | May 31, 2024 | $0.37 | 2.27% |
| Feb 15, 2024 | Mar 01, 2024 | $0.37 | 2.34% |
| Nov 16, 2023 | Dec 01, 2023 | $0.37 | 3.02% |
| Aug 10, 2023 | Aug 25, 2023 | $0.36 | 2.79% |
| May 11, 2023 | May 26, 2023 | $0.36 | 5.35% |
| Feb 16, 2023 | Mar 03, 2023 | $0.36 | 1.93% |
| Nov 17, 2022 | Dec 02, 2022 | $0.36 | 2.03% |
| Aug 11, 2022 | Aug 26, 2022 | $0.36 | 1.68% |
| May 12, 2022 | May 27, 2022 | $0.35 | 1.89% |
| Feb 17, 2022 | Mar 04, 2022 | $0.35 | 1.39% |
| Nov 18, 2021 | Dec 03, 2021 | $0.35 | 1.04% |
| Aug 12, 2021 | Aug 27, 2021 | $0.35 | 1.09% |
| May 13, 2021 | May 28, 2021 | $0.25 | 0.97% |
Puntos Clave
Revenue grew 27.41% annually over 5 years — strong growth
Earnings grew 23.02% over the past year
ROE of 13.50% — decent returns on equity
Net margin of 18.37% shows strong profitability
Negative free cash flow of -2.79B
P/E of 8.03 — trading at a low valuation
Crecimiento
Revenue Growth (5Y)
27.41%
Revenue (1Y)5.17%
Earnings (1Y)23.02%
FCF Growth (3Y)N/A
Calidad
Return on Equity
13.50%
ROIC6.41%
Net Margin18.37%
Op. Margin22.88%
Seguridad
Debt / Equity
0.85
Current Ratio0.56
Interest Coverage0.66
Valoración
P/E Ratio
8.03
Forward P/E6.84
P/B Ratio1.02
EV/EBITDA8.83
Dividend Yield0.02%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 5.17% | Revenue Growth (3Y) | 11.32% |
| Earnings Growth (1Y) | 23.02% | Earnings Growth (3Y) | 15.82% |
| Revenue Growth (5Y) | 27.41% | Earnings Growth (5Y) | 1.89% |
| Profitability | |||
| Revenue (TTM) | 5.28B | Net Income (TTM) | 969.00M |
| ROE | 13.50% | ROA | 1.04% |
| Gross Margin | 61.10% | Operating Margin | 22.88% |
| Net Margin | 18.37% | Free Cash Flow (TTM) | -2.79B |
| ROIC | 6.41% | FCF Growth (3Y) | N/A |
| Safety | |||
| Debt / Equity | 0.85 | Current Ratio | 0.56 |
| Interest Coverage | 0.66 | ||
| Dividends | |||
| Dividend Yield | 0.02% | Payout Ratio | 0.19% |
| Dividend Growth (3Y) | 3.18% | Dividend Growth (5Y) | 9.30% |
| Consecutive Div Years | 7 yrs | ||
| Valuation | |||
| P/E Ratio | 8.03 | Forward P/E | 6.84 |
| P/B Ratio | 1.02 | P/S Ratio | 1.48 |
| PEG Ratio | 0.41 | Forward PEG | N/A |
| EV/EBITDA | 8.83 | Fwd EV/EBITDA | 7.70 |
| Forward P/S | 1.96 | Fwd Earnings Yield | 14.62% |
| FCF Yield | -35.88% | ||
| Market Cap | 7.79B | Enterprise Value | 10.67B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 5.28B | 5.02B | 4.26B | 2.96B | 2.00B |
| Net Income | 969.00M | 787.70M | 722.40M | 1.06B | 899.20M |
| EPS (Diluted) | 8.73 | 7.09 | 6.54 | 9.70 | 8.67 |
| Gross Profit | 3.22B | 2.95B | 2.50B | 2.42B | 1.92B |
| Operating Income | 1.21B | 991.20M | 933.60M | 1.32B | 1.12B |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 92.77B | 80.93B | 70.86B | 67.73B | 55.98B |
| Total Liabilities | 84.83B | 74.23B | 64.78B | 62.38B | 51.02B |
| Shareholders' Equity | 7.65B | 6.71B | 6.08B | 5.36B | 4.96B |
| Total Debt | 6.48B | 6.63B | 8.30B | 7.38B | 2.54B |
| Cash & Equivalents | 3.60B | 4.10B | 1.58B | 1.04B | 516.00M |
| Current Assets | 24.03B | 8.53B | 12.74B | 8.14B | 6.71B |
| Current Liabilities | 42.77B | 69.49B | 62.12B | 58.64B | 48.34B |