High ProfitabilitySustained high operating and net margins indicate the company converts revenue to profit efficiently. Durable profitability provides internal capital for reinvestment, supports return on equity, and cushions earnings during top-line softness, strengthening long-term resilience.
Improved Cash GenerationA transition to materially positive operating cash flow and strong free cash flow in 2025 shows the business can generate real cash from operations. Persistent FCF supports debt servicing, investment in digital capabilities, and underpins the quality of reported earnings over time.
Diversified Fee-based ModelMultiple recurring revenue streams—collection fees, credit information, commissions and partner channels—combined with a digital focus reduce dependence on any single product. This diversified, service-oriented model supports steady cash flows and scalability across clients.