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.
| FY09 | FY10 | FY11 | FY12 | FY13 | |
|---|---|---|---|---|---|
| Revenue | $5.1B | $5.5B | $6.7B | $7.4B | $8.3B |
| YoY | — | +8.6% | +21.2% | +10.1% | +12.9% |
| Cost of goods sold | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Research & development | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Selling, general & administrative | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Operating income | $2.3B | $2.8B | $2.7B | $3.9B | $4.5B |
| YoY | — | +21.8% | -1.4% | +45.1% | +14.4% |
| Pretax income | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Income tax | $755.0M | $910.0M | $842.0M | $1.2B | $1.4B |
| YoY | — | +20.5% | -7.5% | +39.4% | +17.9% |
| Net income | — | — | — | — | — |
| YoY | — | — | — | — | — |
| EPS — basic | $11.19 | $14.10 | $1.49 | $2.20 | $2.57 |
| YoY | — | +26.0% | -89.4% | +47.7% | +16.8% |
| EPS — diluted | $11.16 | $14.05 | $1.48 | $2.19 | $2.56 |
| YoY | — | +25.9% | -89.5% | +48.0% | +16.9% |
| Weighted shares — basic | 130.0M | 131.0M | 1.28B | 1.25B | 1.21B |
| Weighted shares — diluted | 130.0M | 131.0M | 1.28B | 1.26B | 1.22B |
Balance sheet
Point-in-time values at each quarter (or fiscal year) end.
| FY09 | FY10 | FY11 | FY12 | FY13 | |
|---|---|---|---|---|---|
| Cash & equivalents | $2.1B | $3.1B | $3.7B | $2.1B | $3.6B |
| YoY | — | +49.2% | +21.7% | -45.0% | +75.4% |
| Marketable securities (current) | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Accounts receivable | $536.0M | $650.0M | $808.0M | $925.0M | $966.0M |
| YoY | — | +21.3% | +24.3% | +14.5% | +4.4% |
| Inventory | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Total current assets | $5.0B | $6.5B | $7.7B | $9.4B | $10.9B |
| YoY | — | +29.0% | +19.9% | +20.9% | +17.0% |
| Total assets | $7.5B | $8.8B | $10.7B | $12.5B | $14.2B |
| YoY | — | +18.3% | +21.0% | +16.5% | +14.3% |
| Total current liabilities | $3.2B | $3.1B | $4.2B | $4.9B | $6.0B |
| YoY | — | -0.8% | +34.2% | +16.3% | +23.0% |
| Total liabilities | $4.0B | $3.6B | $4.8B | $5.5B | $6.7B |
| YoY | — | -8.5% | +33.0% | +14.9% | +21.9% |
| Total equity | $3.5B | $5.2B | $5.9B | $6.9B | $7.5B |
| YoY | — | +48.5% | +12.7% | +17.9% | +8.2% |
| Shares outstanding | — | — | — | — | — |
| YoY | — | — | — | — | — |
Cash flow
Quarterly values derived from year-to-date filings (Q4 from the 10-K). Free cash flow = operating cash flow − capital expenditures.
| FY09 | FY10 | FY11 | FY12 | FY13 | |
|---|---|---|---|---|---|
| Operating cash flow | $1.4B | $1.7B | $2.7B | $2.9B | $4.1B |
| YoY | — | +23.1% | +58.2% | +9.8% | +40.3% |
| Capital expenditures | $57.0M | $61.0M | $77.0M | $96.0M | $155.0M |
| YoY | — | +7.0% | +26.2% | +24.7% | +61.5% |
| Free cash flow | $1.3B | $1.6B | $2.6B | $2.9B | $4.0B |
| YoY | — | +23.8% | +59.4% | +9.4% | +39.6% |
| Dividends paid | $79.0M | $79.0M | $77.0M | $132.0M | $255.0M |
| YoY | — | +0.0% | -2.5% | +71.4% | +93.2% |
| Share repurchases | $0 | $0 | $1.1B | $1.7B | $2.4B |
| YoY | — | — | — | +52.3% | +39.8% |
Margins & ratios
Derived from the reported dollars above — no separate source.
| FY09 | FY10 | FY11 | FY12 | FY13 | |
|---|---|---|---|---|---|
| Gross margin | — | — | — | — | — |
| Operating margin | 44.3% | 49.7% | 40.4% | 53.3% | 54.0% |
| Net margin | — | — | — | — | — |
| Free cash flow margin | 25.9% | 29.5% | 38.8% | 38.6% | 47.7% |
| Effective tax rate | — | — | — | — | — |
| Current ratio | 1.58x | 2.05x | 1.84x | 1.91x | 1.82x |
| Total liabilities / equity | 1.13x | 0.70x | 0.82x | 0.80x | 0.90x |
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 |
|---|---|---|---|---|---|---|
| MA FY13 · this stock | $8.3B | +12.9% | — | 54.0% | — | 47.7% |
| 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.