Summary
54 / 100 · Bulios Score
What speaks for it
- The share price is below the Bulios Fair Price.
- Earnings per share grew by 23% a year over the last 3 years.
- It bought back its own shares for $799.8M in the last fiscal year, 13% of its market value.
What to watch
- Repaying its net debt would take 4.4 years of operating profit.
- Revenue grew by only 4.2% a year over the last 3 years.
- It earns only 7.3 USD a year on every 100 USD of invested capital.
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 18.0 USD for 1 USD of yearly profit. Over the last five years it was 12,744.5 USD on average.
Valuation in detailIs it growing?
It is shrinkingRevenue (USD)
Diluted EPS (USD)
- Analyst estimate
Revenue grew by 11% a year over 5 years. Over the last 3 years it grew by 4.2% a year. For the next fiscal year analysts expect revenue to grow by 8.9%. Earnings per share grew by 23% a year over the last 3 years.
Growth in detailDoes it make money?
ReasonablyWhere 100 USD of revenue goes
- Cost of sales 43 USD
- Sales and administration 31 USD
- Taxes and other 13 USD
- Net profit 13 USD
Net profit, industry median (Software - Infrastructure) 8.7 USD
Out of every 100 USD of revenue, 13 USD is left as net profit.
Profitability in detailIs it financially healthy?
YesRepaying all its debt would take 49.4 years of free cash flow. It holds more cash than debt. The debt score is low because of the debt-to-equity ratio (4.0x).
Financial health in detailDoes it pay a dividend?
NoIt pays no dividend.
Dividends in detailWhat do analysts expect?
Neutral- Buy 14
- Hold 18
- Sell 0
Today's price within the analysts' price targets
The average target of $190.57 is 1.7% above today's price. 44% of the analysts recommend buying.
Analysts in detailWhat does it earn on?
Fiscal year 2025By product
- Payment Processing Revenue 43%
- Account Servicing Revenue 27%
- Product and Service, Other 18%
- Finance Fee Revenue 12%
By region
- UNITED STATES 88%
- Non-US 12%
Payment Processing Revenue brings in 43% of revenue. Product and Service, Other grew fastest, by 22% a year.
Segments in detail