Summary
73 / 100 · Bulios Score
What speaks for it
- Out of every 100 USD of revenue, 48 USD is left as net profit.
- Earnings per share grew by 14% a year over the last 3 years.
- The share price is below the Bulios Fair Price.
- It bought back its own shares for $121.9M in the last fiscal year, 3.4% of its market value.
What to watch
- Revenue fell by 3.7% a year over the last 3 years.
- Analysts expect revenue to fall by 6.4% this fiscal year.
Bulios Scoring describes a company's quality and track record, not its future return. A high score is not a buy signal. Learn more
Score in detailPrice
Is it expensive?
Looks cheapBulios Fair Price is an estimate of a stock's fair value from the Bulios valuation model. It is an input for your own analysis, not investment advice. How does it work?
Today you pay 11.5 USD for 1 USD of yearly profit. Over the last five years it was 14.4 USD on average.
Valuation in detailIs it growing?
SlowlyRevenue (USD)
Diluted EPS (USD)
- Analyst estimate
Revenue grew by 9.2% a year over 5 years. Over the last 3 years it fell by 3.7% a year. For the next fiscal year analysts expect revenue to fall by 6.4%. Earnings per share grew by 14% a year over the last 3 years.
Growth in detailDoes it make money?
Very wellWhere 100 USD of revenue goes
- Cost of sales -20 USD
- Sales and administration 65 USD
- Taxes and other 1.5 USD
- Net profit 48 USD
Net profit, industry median (Banks - Regional) 21 USD
Out of every 100 USD of revenue, 48 USD is left as net profit.
Profitability in detailIs it financially healthy?
Banks and insurers work with their customers' money, so their debt is judged differently; see the health section for their capital figures.
Financial health in detailDoes it pay a dividend?
Moderate, stretched- Yield
- 4.95%
- Paid out of profit
- 57%
You receive $1.88 per share a year. The payout takes a large part of its profit or free cash flow.
Dividends in detailWhat do analysts expect?
Neutral- Buy 4
- Hold 8
- Sell 3
Today's price within the analysts' price targets
The average target of $35.75 is 5.0% below today's price. 27% of the analysts recommend buying.
Analysts in detailWhat does it earn on?
Fiscal year 2021By product
- Credit and Debit Card 65%
- Deposit Account 24%
- Financial Service, Other 11%
By region
The company reports no revenue by region.
Credit and Debit Card brings in 65% of revenue.
Segments in detail