1Y Target$39.24Near-term target
5Y Target$48.62Compound horizon
10Y Target$62.06Long-dated conviction
FCF—TTM—FCF not applicable for this sector (bank / insurer / REIT) or data unavailable
Rev+4.4%TTM YoYC+Revenue +4.4% — steady but below market-beating range · TTM YoY from trailing-4-quarter revenue sum vs prior 4 quarters.
D/E0.23A-D/E 0.23 — conservative leverage, strong balance sheet
P/E8.6xA-P/E 8.6 — cheap relative to market and most sectors
PEG1.97proxyC+PEG 1.97 — modest premium; above fair value · PEG proxy: P/E ÷ revenue growth % (true PEG requires forward EPS estimates, not in Finnhub free tier).
Why now
Financial Services · market cap $4.8b. 6% off the 52-week high of $38.84.
Moat
Net margin 40% is exceptional — pricing-power territory rare outside premium software, branded staples, and specialty pharma. ROE 12% meets the long-run market sustainable threshold — solid but not differentiated; the durability comes from elsewhere.
Risk
Value re-rating depends on a catalyst. Without one — analyst day, divestiture, margin recovery, capital return — the stock can stay cheap on these multiples for years.
Horizon
1-3 yr $39.24 (structural (no analyst coverage)) — multiple re-rating thesis requires a catalyst. 5 yr $48.62 at ~6% CAGR — dividend + buyback compounding. 10 yr $62.06 if the moat survives secular pressure.
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