The checklist Warren Buffett-style investors use. Annual numbers for 2025.
2/4Mixed
MissReturn on equity 15%+Earns a lot on the money owners have in the business.11.5%
PassProfitable every yearSteady profits, not one good year.10 of 10 years
PassFree cash flow positiveBrings in more cash than it spends to run and grow.$377.0M
MissShare count not growingNot diluting owners. Falling means buybacks.+1.3% in 3 years
Free cash flow
$377.0M
From annual reports filed with the SEC. Gross margin doesn't apply to banks and insurers, so it isn't scored. Not in this company's SEC data, so not scored: debt under half of equity, net margin 10%+. A checklist is a starting point for research, not a verdict.
Latest quarter
Quarter ended Jun 30, 2026
Reported Oct 14After close5:18 pm ET
From the press release
Net income for the three-month period ended September 30, 2026 was $129.5 million, or $0.65 diluted earnings per share, both of which were records for the Company.
When adjusting for non-fundamental items, net income and diluted earnings per share on an as-adjusted basis (non-GAAP), were $129.1 million (1) and $0.65 per share (1) , respectively, for the three months ended September 30, 2026.
Book value per common share and tangible book value per common share, as of September 30, 2026, were both records for the Company.
The numbers below are the quarter before. The new quarter's full numbers come with the 10-Q. Read the press release ↗
EPS
$0.59
vs $0.60
Free cash flow
$94.1M
Share count
+1.8%
vs a year ago
Insider rating
Last 90 days
No open-market insider buys or sells in the last 90 days.
Weekly insider trend
No trades to chart yet.
Filing buzz
Last 7 days vs normal
0/ 100
This week
0
Normal week
0.6
vs normal
0.0x
SEC filings of any kind. 50 means a normal week.
Institutional ownership
▲Accumulating+6.3%
Institutions added 6.3% to their holdings. 215 bought, 143 sold.
Shares held by institutions153.9M
Sep '24Jun '26
Safety check
From SEC filings
Share count growthYearly rate, last 3 years
-0.4%
Cash runwayAt last year's cash burn
Cash flow positive
Debt to equityLatest balance sheet: debt compared with what owners have
Total liabilities $20.2B
Shares outstandingLatest reported
200M
Earnings reports
Last 12
Next reportAround Jan 13, 2027 (est.)Estimated from the same quarter last year
Results filedOct 14
Results filedJul 15
Results filedApr 15
Results filedJan 14
Results filedOct 15, 2025
Flags and big holders
Offerings 6 months, flags 12 months, holders 90 days