We assign a fundamental rating of 5 out of 10 to FI. FI was compared to 97 industry peers in the Financial Services industry. FI has an excellent profitability rating, but there are some minor concerns on its financial health. FI is valued quite cheap, while showing a decent growth score. This is a good combination!

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1. Profitability

2. Health

3. Growth

4. Valuation

5. Dividend

1. Profitability

1.1 Basic Checks

In the past year FI was profitable.
FI had a positive operating cash flow in the past year.
FI had positive earnings in each of the past 5 years.
In the past 5 years FI always reported a positive cash flow from operatings.

1.2 Ratios

The Return On Assets of FI (4.54%) is better than 72.73% of its industry peers.
Looking at the Return On Equity, with a value of 14.36%, FI is in the better half of the industry, outperforming 73.74% of the companies in the same industry.
FI's Return On Invested Capital of 8.87% is fine compared to the rest of the industry. FI outperforms 78.79% of its industry peers.
The Average Return On Invested Capital over the past 3 years for FI is in line with the industry average of 8.44%.
The last Return On Invested Capital (8.87%) for FI is above the 3 year average (7.07%), which is a sign of increasing profitability.

		Industry Rank	Sector Rank
ROA	4.54%
ROE	14.36%
ROIC	8.87%

ROA(3y)3.48%

ROA(5y)2.7%

ROE(3y)10.02%

ROE(5y)7.46%

ROIC(3y)7.07%

ROIC(5y)5.33%

1.3 Margins

FI has a better Profit Margin (17.05%) than 64.65% of its industry peers.
In the last couple of years the Profit Margin of FI has grown nicely.
The Operating Margin of FI (28.72%) is better than 73.74% of its industry peers.
In the last couple of years the Operating Margin of FI has grown nicely.
FI has a Gross Margin of 60.48%. This is in the better half of the industry: FI outperforms 73.74% of its industry peers.
In the last couple of years the Gross Margin of FI has grown nicely.

		Industry Rank	Sector Rank
OM	28.72%
PM (TTM)	17.05%
GM	60.48%

OM growth 3Y26.51%

OM growth 5Y12.26%

PM growth 3Y23.02%

PM growth 5Y11.79%

GM growth 3Y6.82%

GM growth 5Y4.7%

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so FI is still creating some value.
The number of shares outstanding for FI has been reduced compared to 1 year ago.
FI has less shares outstanding than it did 5 years ago.
The debt/assets ratio for FI is higher compared to a year ago.

2.2 Solvency

Based on the Altman-Z score of 1.39, we must say that FI is in the distress zone and has some risk of bankruptcy.
FI has a Altman-Z score of 1.39. This is in the better half of the industry: FI outperforms 64.65% of its industry peers.
FI has a debt to FCF ratio of 6.54. This is a slightly negative value and a sign of low solvency as FI would need 6.54 years to pay back of all of its debts.
FI has a better Debt to FCF ratio (6.54) than 63.64% of its industry peers.
FI has a Debt/Equity ratio of 1.15. This is a high value indicating a heavy dependency on external financing.
FI's Debt to Equity ratio of 1.15 is in line compared to the rest of the industry. FI outperforms 42.42% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	1.15
Debt/FCF	6.54
Altman-Z	1.39

ROIC/WACC1.31

WACC6.78%

2.3 Liquidity

A Current Ratio of 1.08 indicates that FI should not have too much problems paying its short term obligations.
The Current ratio of FI (1.08) is comparable to the rest of the industry.
FI has a Quick Ratio of 1.08. This is a normal value and indicates that FI is financially healthy and should not expect problems in meeting its short term obligations.
With a Quick ratio value of 1.08, FI perfoms like the industry average, outperforming 52.53% of the companies in the same industry.

		Industry Rank	Sector Rank
Current Ratio	1.08
Quick Ratio	1.08

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 7.76% over the past year.
The Earnings Per Share has been growing by 18.28% on average over the past years. This is quite good.
The Revenue has been growing slightly by 5.16% in the past year.
The Revenue has been growing by 14.96% on average over the past years. This is quite good.

EPS 1Y (TTM)7.76%

EPS 3Y16.49%

EPS 5Y18.28%

EPS Q2Q%-11.3%

Revenue 1Y (TTM)5.16%

Revenue growth 3Y8.03%

Revenue growth 5Y14.96%

Sales Q2Q%0.72%

3.2 Future

The Earnings Per Share is expected to grow by 5.25% on average over the next years.
Based on estimates for the next years, FI will show a small growth in Revenue. The Revenue will grow by 4.28% on average per year.

EPS Next Y4.21%

EPS Next 2Y3.47%

EPS Next 3Y5.63%

EPS Next 5Y5.25%

Revenue Next Year4.86%

Revenue Next 2Y4.25%

Revenue Next 3Y4.32%

Revenue Next 5Y4.28%

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 6.97, the valuation of FI can be described as very cheap.
Based on the Price/Earnings ratio, FI is valued cheaply inside the industry as 84.85% of the companies are valued more expensively.
FI's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.21.
FI is valuated cheaply with a Price/Forward Earnings ratio of 6.76.
Based on the Price/Forward Earnings ratio, FI is valued a bit cheaper than 73.74% of the companies in the same industry.
FI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.26.

		Industry Rank	Sector Rank
PE	6.97
Fwd PE	6.76

4.2 Price Multiples

82.83% of the companies in the same industry are more expensive than FI, based on the Enterprise Value to EBITDA ratio.
FI's Price/Free Cash Flow ratio is rather cheap when compared to the industry. FI is cheaper than 83.84% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	7.51
EV/EBITDA	6.76

4.3 Compensation for Growth

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
FI has an outstanding profitability rating, which may justify a higher PE ratio.