Summary
63 / 100 · Bulios Score
What speaks for it
- Revenue grew by 19% a year over the last 3 years.
- The share price is below the Bulios Fair Price.
What to watch
- Earnings per share fell by 15% a year over the last 3 years.
- It missed profit estimates 5 times in the last 8 quarters.
- Out of every 100 USD of revenue, only 6.8 USD is left as net profit.
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 10.7 USD for 1 USD of yearly profit.
Valuation in detailIs it growing?
SlowlyRevenue (USD)
Diluted EPS (USD)
- Analyst estimate
Revenue grew by 28% a year over 5 years. Over the last 3 years it grew by 19% a year. Earnings per share fell by 15% a year over the last 3 years.
Growth in detailDoes it make money?
PoorlyWhere 100 USD of revenue goes
- Cost of sales 42 USD
- Sales and administration 49 USD
- Taxes and other 2.4 USD
- Net profit 6.8 USD
Net profit, industry median (Banks - Regional) 21 USD
Out of every 100 USD of revenue, 6.8 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?
NoIt pays no dividend.
Dividends in detailWhat do analysts expect?
Mildly positive- Buy 2
- Hold 0
- Sell 0
Today's price within the analysts' price targets
The average target of $16 is 52% above today's price. 100% of the analysts recommend buying.
Analysts in detailWhat does it earn on?
Fiscal year 2023By product
- Strategic Program Fees 71%
- Financial Service, Other 12%
- Gain (Loss) on Sales of Loans, Net 7.8%
- Small Business Administration Loan Servicing Fees 6.8%
- Strategic Program Service Charges 1.5%
- Other 1.1%
By region
The company reports no revenue by region.
Strategic Program Fees brings in 71% of revenue.
Segments in detail