Overview
Discounted cash flow
Income / accounting-based
Multiples & assets
Scenario
Toolbox
Weighted blend
$27.63
-0.64% vs spot
Hold
Spot price
$27.81
Mkt cap $4.61B
subtle cardAnalyst PT consensus
$29.71
+6.83% vs spot
subtle cardMethods covered
5 / 5
2 in blend
subtle cardFootball field
ASB · fair-value range by method
Method comparison
ASB · fair value by valuation framework
| Method | Category | Fair value | Range | vs spot | Weight | Driver | Conf. |
|---|---|---|---|---|---|---|---|
| Justified P/E | multiple | $12.77 | $10.85 – $14.68 | -54.09% | 42.9% | Fair P/E 4.6 (payout 33%, kₑ 8.0%, g 0.8%) | med |
| P/E · sector | multiple | $38.78 | $34.13 – $43.43 | +39.45% | 57.1% | EPS 2.77 × peer P/E 14.0 | med |
| PEG-anchored | multiple | $18.01 | $15.31 – $20.71 | -35.24% | — | PEG=1, fwd EPS g 6.5% | med |
| Graham revised | intrinsic | $27.69 | $23.53 – $31.84 | -0.44% | — | EPS×(8.5+2g)·4.4/Y | low |
| Lynch P/E=g | intrinsic | $13.85 | $11.77 – $15.93 | -50.20% | — | PE = g (0.8) | low |
Cost-of-capital build-up
CAPM cost of equity, after-tax cost of debt, WACC. Risk-free as of 2026-05-12.
| Risk-free rate (US 10y Treasury)rf | 4.46% |
| Equity beta (0.79)β | × 0.79 |
| Equity risk premiumERP | 4.46% |
| Cost of equity (CAPM)kₑ | 7.99% |
| Pre-tax cost of debtkd | 12.00% |
| Effective tax ratet | 19.2% |
| After-tax cost of debt | 9.70% |
| Equity weight$5.0B | 54.4% |
| Debt weight$4.2B | 45.6% |
| WACC | 8.77% |
Growth assumptions
Blended forward growth used as DCF default; terminal pegged to long-run nominal GDP.
| Analyst forward revenue growthFMP | -29.21% |
| Analyst forward EPS growthFMP | 6.50% |
| Historical 5y revenue CAGRFY | 21.69% |
| Historical 5y EPS CAGRFY | 6.17% |
| Sustainable g (ROE × retention)Δ | 6.41% |
| Blended near-term growth (g₀) | 0.82% |
| Terminal growth (gₗ) | 7.00% |
Sources
- FMP /analyst-estimates— 8 rows(as of 2021-12-30)
- Treasury rates · 10y— 4.46% rf(as of 2026-05-12)
- market_risk_premium · DB— 4.46% ERP(as of 2026-05-13)
- Sector multiple defaults— Financial Services (live sector PE unavailable)
- FMP /price-target-consensus— mean $29.71
This page is generated by a quantitative valuation engine for research purposes only and does not constitute investment advice. Methodology follows standard CFA / Damodaran frameworks; assumptions are driven by analyst consensus from Financial Modeling Prep and reported financial statements.