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Services-consumer credit reporting, collection agencies company · GA · FY ends Dec · Revenue $6.28B · 18.26% margin · $1.14B FCF
$176.11
+$2.52 (+1.45%)
Last close via Marketstack
18.03% operating margin is respectable but not wide. ROIC at 8.87%. Suggests the business covers its cost of capital, but doesn't point to a wide moat.
Revenue grew 6.9%, steady but not accelerating.
At 31x earnings, the current multiple leaves limited room for execution misses or growth deceleration. Net debt of $4.91B represents 4.3x FCF, leverage limits flexibility.
31.0x earnings, 18.7x FCF. Not cheap, the quality is already reflected in the price. Upside from here requires either margin expansion or growth re-acceleration, not just continuation.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
$6.28B
▲ +6.9% YoY
Net Income (TTM)
$699M
▲ +9.3% YoY
Op. Margin
18.26%
▼ -0.3pp YoY
ROIC
9.22%
▲ +0.5pp YoY
Cash Flow & Balance Sheet
FCF (TTM)
$1.14B
▲ +39.5% YoY
Op. Cash Flow (TTM)
$1.63B
▲ +22.0% YoY
Net Debt
$5.12B
Cash & Equiv.
$183M
5Y CAGR: +8.0%
5Y CAGR: +16.7%
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