Revenue vs Net income
Reported dollars from 10-Q / 10-K filings. Q4 bars are derived (annual less nine months) where the 10-K does not tag Q4 separately.
Margin trend
Gross, operating and net margin. Margins are derived from reported dollars.
Revenue YoY growth
Year-over-year change vs the same quarter (or fiscal year) a year earlier. Shown where the prior-year period is in the 8-quarter snapshot (latest four quarters).
Income statement
From 10-Q / 10-K XBRL. Values in reported dollars; EPS in $/share; share counts in shares.
| FY21 | FY22 | FY23 | FY24 | FY25 | |
|---|---|---|---|---|---|
| Revenue | $8.2B | $8.6B | $10.1B | $11.6B | $13.9B |
| YoY | — | +4.2% | +17.8% | +14.7% | +20.7% |
| Cost of goods sold | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Research & development | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Selling, general & administrative | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Pretax income | $975.1M | $1.3B | $1.2B | $1.9B | $1.9B |
| YoY | — | +36.1% | -10.7% | +58.2% | -0.2% |
| Income tax | $20.1M | $211.0M | $219.0M | $404.0M | $368.0M |
| YoY | — | +949.8% | +3.8% | +84.5% | -8.9% |
| Net income | $906.8M | $1.1B | $970.0M | $1.5B | $1.5B |
| YoY | — | +22.9% | -12.9% | +50.8% | +2.1% |
| EPS — basic | $4.47 | $5.30 | $4.51 | $6.63 | $5.83 |
| YoY | — | +18.6% | -14.9% | +47.0% | -12.1% |
| EPS — diluted | $4.37 | $5.19 | $4.42 | $6.50 | $5.74 |
| YoY | — | +18.8% | -14.8% | +47.1% | -11.7% |
| Weighted shares — basic | 202.7M | 210.3M | 214.9M | 220.5M | 256.1M |
| Weighted shares — diluted | — | — | — | — | — |
Balance sheet
Point-in-time values at each quarter (or fiscal year) end.
| FY21 | FY22 | FY23 | FY24 | FY25 | |
|---|---|---|---|---|---|
| Cash & equivalents | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Marketable securities (current) | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Accounts receivable | — | $2.9B | $3.8B | $3.9B | $5.2B |
| YoY | — | — | +30.1% | +2.9% | +32.8% |
| Inventory | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Total current assets | $17.7B | $22.3B | $32.1B | $44.1B | $34.4B |
| YoY | — | +26.1% | +44.1% | +37.4% | -22.1% |
| Total assets | $33.2B | $38.4B | $51.6B | $64.3B | $70.7B |
| YoY | — | +15.4% | +34.6% | +24.5% | +10.0% |
| Total current liabilities | $16.7B | $21.3B | $31.1B | $29.3B | $32.5B |
| YoY | — | +27.5% | +45.6% | -5.8% | +11.1% |
| Total liabilities | $24.8B | $29.2B | $40.8B | $44.1B | $47.3B |
| YoY | — | +17.7% | +39.9% | +8.0% | +7.4% |
| Total equity | $8.5B | $9.1B | $10.8B | $20.2B | $23.3B |
| YoY | — | +7.5% | +17.8% | +87.0% | +15.7% |
| Shares outstanding | 208.5M | 211.9M | 216.7M | 250.0M | 257.0M |
| YoY | — | +1.6% | +2.3% | +15.4% | +2.8% |
Cash flow
Quarterly values derived from year-to-date filings (Q4 from the 10-K). Free cash flow = operating cash flow − capital expenditures.
| FY21 | FY22 | FY23 | FY24 | FY25 | |
|---|---|---|---|---|---|
| Operating cash flow | $1.4B | $1.4B | $2.0B | $2.6B | $1.9B |
| YoY | — | -0.2% | +46.2% | +27.1% | -25.3% |
| Capital expenditures | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Free cash flow | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Dividends paid | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Share repurchases | — | — | — | — | — |
| YoY | — | — | — | — | — |
Margins & ratios
Derived from the reported dollars above — no separate source.
| FY21 | FY22 | FY23 | FY24 | FY25 | |
|---|---|---|---|---|---|
| Gross margin | — | — | — | — | — |
| Operating margin | — | — | — | — | — |
| Net margin | 11.0% | 13.0% | 9.6% | 12.7% | 10.7% |
| Free cash flow margin | — | — | — | — | — |
| Effective tax rate | 2.1% | 15.9% | 18.5% | 21.5% | 19.7% |
| Current ratio | 1.06x | 1.04x | 1.03x | 1.51x | 1.06x |
| Total liabilities / equity | 2.91x | 3.19x | 3.79x | 2.19x | 2.03x |
Peer comparison — latest full year
Same sector (Financials), sorted by revenue. All figures from the same EDGAR XBRL snapshot.
| Ticker | Revenue | Revenue YoY | Gross margin | Operating margin | Net margin | FCF margin |
|---|---|---|---|---|---|---|
| AJG FY25 · this stock | $13.9B | +20.7% | — | — | 10.7% | — |
| JPM FY25 | $182.4B | +2.8% | — | — | 31.3% | — |
| BAC FY25 | $113.1B | +6.8% | — | — | 27.0% | — |
| PGR FY25 | $87.7B | +16.3% | — | — | 12.9% | 19.6% |
| C FY25 | $85.2B | +5.6% | — | — | 16.8% | -87.0% |
| WFC FY25 | $83.7B | +1.7% | — | — | 25.5% | — |
| MS FY25 | $70.6B | +14.4% | — | — | 23.9% | — |
| CB FY25 | $59.4B | +6.5% | — | — | 17.4% | — |
| GS FY25 | $58.3B | +8.9% | — | — | 29.5% | -81.0% |
| AXP FY25 | $41.3B | +6.4% | — | — | 26.2% | 38.7% |
| V FY25 | $40.0B | +11.3% | — | 60.0% | 50.1% | — |
Source: SEC EDGAR XBRL company facts (10-Q / 10-K), snapshot generated 2026-11-03 for 218 tickers. Q4 values are derived as the 10-K annual less the first nine months, since Q4 is not separately tagged in company facts; cash-flow quarterly values are derived from year-to-date filings the same way. Free cash flow = operating cash flow − capital expenditures. Blank cells mean the filing does not report that line item under a standard US-GAAP tag — nothing is estimated or filled in. Descriptive research, not investment advice. How EarnIQ builds fundamentals.