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Insurance agents, brokers & service company · E9 · FY ends Dec · Revenue $569M · 9.32% margin · $31M FCF
Operating margin is thin at 9.32%. Limited cushion if revenue slows or costs rise, not the profile of a wide-moat business.
Revenue up 49.8% YoY with margins expanding 2.9pp.
Insufficient data to identify specific risks. Treat any missing metrics as a data gap, not a clean bill of health.
Profitability & Returns
Revenue (TTM)
$569M
▲ +49.8% YoY
Net Income (TTM)
$81M
▲ +61.6% YoY
Op. Margin
9.32%
▲ +2.9pp YoY
ROIC
5.83%
▲ +2.4pp YoY
Cash Flow & Balance Sheet
FCF (TTM)
$31M
▲ +2.2% YoY
Op. Cash Flow (TTM)
$35M
▼ -41.8% YoY
Net Debt
-$135M
Net Cash Position
Cash & Equiv.
$145M
3Y CAGR: +11.9%
3Y CAGR: -34.5%
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