On the stock market since 1993, it operates in the world of money and finance. It has 944 employees. Now — the numbers.
This is an established company with proven profits.
That much dependence is a risk in itself: if this one line weakens, the whole company feels it directly.
An average decline of 4% a year over the last 4 years — the most striking risk in this picture.
Executives buying with their own money is usually read as confidence in the company’s future.
The stock trades 18% below its peak. The market has trimmed its expectations for the company.
The net profit margin is 26% — still a thick cushion, though costs have been eating into it lately.
Over the last 12 months, company executives reported 44 buys and 35 sells. Management buying with its own money is usually read as a good sign.
It pays out $2.69 per share each year — regular cash for whoever holds the stock.
Over the last 3 years, sales fell about 5% a year on average. Profit is holding up, but a shrinking business is a risk worth watching.
The stock trades 22% above the average analyst price target.
On our five-subject report card, PFC sits behind the class. A low grade doesn’t mean “doomed” — it means “big claim, small proof.”
The takeaway: PFC is an established business that has proven its profits for years. The real debate isn’t the quality of the business — it’s whether the price paid for the stock is too high.