Provide checking and savings accounts for individuals and businesses. Offer a wide range of personal loans, including home mortgage, auto, and personal loans. Now — the numbers.
This is an established company with proven profits.
Average growth of 9% a year over the last 4 years. Every year shown ended in profit.
The market pays 3.4× for every dollar of annual profit — cheap, which is either an opportunity or a warning.
No analyst target is on record for this company.
An investor who bought at the very peak is down 76% today. The business is the same; what changed most is the price — and the expectations — the market pins on it.
The net profit margin is 16% — the profit kept from each dollar of revenue is the company’s cushion in hard quarters.
Over the last 4 years, sales grew about 9% a year on average.
It pays out $29.88 per share each year — regular cash for whoever holds the stock.
Since the drop from its peak, buyer appetite hasn’t come back.
We grade companies — revenue, margins, balance sheets. This is a fund, so there is no report card to give. That is not a low grade; it is a different kind of thing.
One-line summary: a basket, not a business. Judge it by what it holds.