HONE - HarborOne Bancorp, Inc.
Price:
--
--
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CONSENSUS:
Hold
DETAILS
|
PRICE TARGET:
$14.00
DETAILS
HIGH:
$14.00
LOW:
$14.00
MEDIAN:
$14.00
CONSENSUS:
$14.00
UPSIDE:
15.70%
| Metric | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | |||||||||||
| Revenue | 313.7 | 283.4 | 225.5 | 237.1 | 275.6 | 208.0 | 158.2 | 136.6 | 130.5 | 96.9 | 74.4 |
| Cost of Revenue | 154.0 | 122.7 | 28.6 | 5.3 | 63.3 | 50.5 | 30.6 | 18.4 | 17.9 | 15.8 | 18.5 |
| Gross Profit | 159.7 | 160.7 | 196.9 | 231.8 | 212.2 | 157.5 | 127.6 | 118.2 | 112.5 | 81.0 | 56.0 |
| Operating Expenses | |||||||||||
| R&D Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| SG&A Expenses | 81.7 | 81.1 | 88.6 | 106.9 | 110.2 | 93.5 | 77.5 | 72.9 | 74.4 | 50.2 | 33.0 |
| Other Expenses | 43.7 | 54.4 | 46.5 | 44.4 | 44.1 | 41.4 | 35.9 | 28.3 | 28.9 | 22.4 | 19.0 |
| Operating Expenses | 125.4 | 135.5 | 135.1 | 151.3 | 154.2 | 134.8 | 113.4 | 101.2 | 103.3 | 72.7 | 52.0 |
| Operating Income | |||||||||||
| Operating Income | 34.3 | 25.1 | 61.7 | 80.5 | 58.0 | 22.7 | 14.2 | 17.1 | 9.2 | 8.3 | 3.9 |
| Interest Expense | 145.8 | 117.0 | 22.9 | 12.5 | 28.5 | 45.7 | 26.8 | 15.9 | 13.8 | 14.6 | 15.9 |
| Interest Income | 271.4 | 244.3 | 171.9 | 143.9 | 148.6 | 154.8 | 115.7 | 90.3 | 74.8 | 66.8 | 61.1 |
| Profitability | |||||||||||
| EBITDA | 38.7 | 29.7 | 66.5 | 86.1 | 63.7 | 29.4 | 18.2 | 20.1 | 11.9 | 11.2 | 6.7 |
| EBIT | 34.3 | 25.1 | 61.7 | 80.5 | 58.0 | 22.7 | 14.2 | 17.1 | 9.2 | 8.3 | 3.9 |
| Income Before Tax | 34.3 | 25.1 | 61.7 | 80.5 | 58.0 | 22.7 | 14.2 | 17.1 | 9.2 | 8.3 | 3.9 |
| Income Tax Expense | 6.8 | 9.0 | 16.1 | 21.9 | 13.2 | 4.4 | 2.8 | 6.7 | 3.3 | 2.6 | 1.4 |
| Net Income | 27.4 | 16.1 | 45.6 | 58.5 | 44.8 | 18.3 | 11.4 | 10.4 | 5.9 | 5.8 | 2.6 |
| Per Share Data | |||||||||||
| EPS (Basic) | 0.66 | 0.37 | 0.98 | 1.15 | 0.82 | 0.33 | 0.20 | 0.18 | 0.10 | 0.10 | 0.04 |
| EPS (Diluted) | 0.66 | 0.37 | 0.97 | 1.14 | 0.82 | 0.33 | 0.20 | 0.18 | 0.10 | 0.10 | 0.04 |
| Shares Outstanding | 41.2 | 43.2 | 46.5 | 50.7 | 54.3 | 55.7 | 56.7 | 56.1 | 57.7 | 57.7 | 57.7 |
| Metric | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|
| Current Assets | ||||||||||
| Cash & Cash Equivalents | 231.1 | 227.3 | 98.0 | 194.7 | 205.9 | 211.6 | 105.5 | 80.8 | 50.2 | 40.7 |
| Short-Term Investments | 263.9 | 290.2 | 301.1 | 394.0 | 276.5 | 239.5 | 209.3 | 170.9 | 136.5 | 128.5 |
| Net Receivables | 18.4 | 18.2 | 15.1 | 10.6 | 11.9 | 9.8 | 10.0 | 6.5 | 5.6 | 4.9 |
| Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Current Assets | 513.4 | 535.7 | 414.3 | 599.4 | 494.2 | 460.9 | 324.8 | 258.2 | 192.3 | 174.1 |
| Non-Current Assets | ||||||||||
| Property, Plant & Equipment | 46.3 | 48.7 | 49.0 | 50.7 | 49.6 | 48.0 | 57.0 | 24.5 | 24.2 | 24.6 |
| Goodwill | 59.0 | 59.0 | 69.8 | 69.8 | 69.8 | 69.8 | 78.5 | 13.5 | 13.4 | 13.4 |
| Intangible Assets | 45.3 | 47.6 | 50.4 | 41.4 | 29.2 | 23.2 | 22.2 | 21.1 | 20.6 | 13.3 |
| Long-Term Investments | 4,852.8 | 4,742.2 | 4,542.9 | 3,608.9 | 3,647.9 | 3,293.0 | 3,051.6 | 2,282.8 | 2,116.1 | 1,856.8 |
| Other Non-Current Assets | 236.4 | 234.6 | 233.1 | 183.2 | 192.9 | 158.1 | 112.2 | 84.0 | 81.2 | 81.0 |
| Total Non-Current Assets | 5,239.8 | 5,132.2 | 4,945.2 | 3,954.0 | 3,989.4 | 3,598.0 | 3,328.3 | 2,426.7 | 2,256.0 | 1,989.0 |
| Total Assets | 5,753.1 | 5,667.9 | 5,359.5 | 4,553.4 | 4,483.6 | 4,058.9 | 3,653.1 | 2,684.9 | 2,448.3 | 2,163.1 |
| Current Liabilities | ||||||||||
| Account Payables | 6.6 | 5.3 | 2.3 | 1.1 | 1.3 | 1.7 | 1.6 | 0.5 | 0.5 | 0.5 |
| Short-Term Debt | 212 | 303 | 385 | 0 | 35 | 183 | 290 | 44 | 80 | 0 |
| Deferred Revenue | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | 4,550.8 | 4,387.4 | 4,189.5 | 3,682.6 | 3,506.2 | 2,942.9 | 2,685.1 | 2,013.7 | 1,804.8 | 1,691.2 |
| Total Current Liabilities | 4,769.3 | 4,695.7 | 4,576.8 | 3,683.7 | 3,542.5 | 3,127.5 | 2,976.7 | 2,058.3 | 1,885.3 | 1,691.8 |
| Non-Current Liabilities | ||||||||||
| Long-Term Debt | 304.6 | 265.5 | 50.0 | 89.9 | 148.1 | 205.0 | 263.7 | 246.4 | 195.1 | 249.6 |
| Deferred Tax Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1.0 |
| Other Non-Current Liabilities | 104.2 | 123.0 | 115.8 | 100.5 | 96.7 | 60.5 | 55.1 | 36.8 | 38.5 | 30.1 |
| Total Non-Current Liabilities | 408.8 | 388.5 | 165.7 | 190.4 | 244.8 | 265.6 | 318.9 | 283.2 | 233.6 | 280.7 |
| Total Liabilities | 5,178.1 | 5,084.1 | 4,742.6 | 3,874.1 | 3,787.3 | 3,393.1 | 3,295.5 | 2,341.4 | 2,118.9 | 1,972.5 |
| Stockholders' Equity | ||||||||||
| Common Stock | 0.6 | 0.6 | 0.6 | 0.6 | 0.6 | 0.6 | 0.3 | 0.3 | 0.3 | 0 |
| Retained Earnings | 373.9 | 359.7 | 356.4 | 325.7 | 277.3 | 237.4 | 219.1 | 207.6 | 197.2 | 191.3 |
| Accumulated Other Comprehensive Income | (49.9) | (43.6) | (47.1) | (1.6) | 2.2 | 1.5 | (2.4) | (0.5) | (1.3) | (0.6) |
| Total Stockholders' Equity | 575.0 | 583.8 | 617.0 | 679.3 | 696.3 | 665.8 | 357.6 | 343.5 | 329.4 | 190.7 |
| Total Liabilities & Equity | 5,753.1 | 5,667.9 | 5,359.5 | 4,553.4 | 4,483.6 | 4,058.9 | 3,653.1 | 2,684.9 | 2,448.3 | 2,163.1 |
| Debt Metrics | ||||||||||
| Total Debt | 516.6 | 568.5 | 435.0 | 89.9 | 183.1 | 388.0 | 553.7 | 290.4 | 275.1 | 249.6 |
| Net Debt | 285.5 | 341.1 | 336.9 | (104.8) | (22.7) | 176.4 | 448.2 | 209.6 | 224.9 | 208.9 |
| Metric | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | ||||||||||
| Net Income | 27.4 | 16.1 | 45.6 | 58.5 | 44.8 | 18.3 | 11.4 | 10.4 | 5.9 | 5.8 |
| Depreciation & Amortization | 4.5 | 4.6 | 4.8 | 5.6 | 5.7 | 6.7 | 3.9 | 3.0 | 2.7 | 2.9 |
| Stock-Based Compensation | 4.7 | 4.7 | 6.6 | 7.0 | 5.8 | 7.5 | 5.7 | 3.2 | 1.0 | 0 |
| Change in Working Capital | (16.3) | 15.6 | (11.4) | 9.6 | (2.1) | (7.7) | 11.9 | 22.6 | (17.5) | 16.0 |
| Other Non-Cash Items | (11.4) | 14.3 | 20.1 | 137.2 | (77.4) | (60.4) | 29.3 | 5.3 | 4.9 | 3.6 |
| Operating Cash Flow | 3.8 | 53.5 | 68.9 | 224.3 | (27.0) | (36.1) | 61.2 | 43.9 | (4.3) | 29.4 |
| Investing Activities | ||||||||||
| Capital Expenditure | (1.2) | (4.5) | (2.3) | (6.5) | (5.7) | (4.4) | (5.5) | (3.2) | (2.1) | (1.5) |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 0.1 | (74.0) | 0 | 0 | (18.6) |
| Purchases of Investments | (15.6) | (4.6) | (36.1) | (316.7) | (191.6) | (109.3) | (67.7) | (59.2) | (43.7) | (52.6) |
| Sales/Maturities of Investments | 37.4 | 21.6 | 43.4 | 188.0 | 183.4 | 103.3 | 28.7 | 25.4 | 49.7 | 65.9 |
| Other Investing Activities | (97.3) | (209.2) | (957.1) | (105.9) | (304.9) | (218.5) | (97.4) | (200.4) | (258.3) | (72.8) |
| Investing Cash Flow | (76.7) | (196.7) | (952.0) | (241.1) | (318.9) | (228.8) | (215.9) | (237.4) | (254.4) | (79.6) |
| Financing Activities | ||||||||||
| Net Debt Issuance | (51.9) | 132.8 | 345.0 | (93.4) | (205.0) | (165.8) | (13.5) | 15.2 | 25.5 | (153.7) |
| Stock Repurchased | (21.5) | (45.2) | (62.5) | (69.2) | (15.9) | (0.7) | (1.3) | (0.3) | 0 | 0 |
| Dividends Paid | (13.1) | (12.8) | (12.2) | (9.2) | (3.3) | 0 | 0 | 0 | 0 | 0 |
| Other Financing Activities | 163.1 | 197.8 | 516.2 | 177.4 | 564.3 | 233.5 | 194.2 | 209.2 | 102.2 | 191.5 |
| Financing Cash Flow | 76.6 | 272.5 | 786.4 | 5.6 | 340.1 | 371.1 | 179.5 | 224.1 | 268.3 | 37.9 |
| Cash Position | ||||||||||
| Net Change in Cash | 3.7 | 129.3 | (96.7) | (11.2) | (5.7) | 106.1 | 24.7 | 30.6 | 9.6 | (12.3) |
| Cash at Beginning | 227.3 | 98.0 | 194.7 | 205.9 | 211.6 | 105.5 | 80.8 | 50.2 | 40.7 | 53.0 |
| Cash at End | 231.1 | 227.3 | 98.0 | 194.7 | 205.9 | 211.6 | 105.5 | 80.8 | 50.2 | 40.7 |
| Free Cash Flow | 2.6 | 49.0 | 66.6 | 217.8 | (32.7) | (40.6) | 55.6 | 40.7 | (6.5) | 27.9 |
| Key Metrics | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||
| Revenue | 313.7 | 283.4 | 225.5 | 237.1 | 275.6 | 208.0 | 158.2 | 136.6 | 130.5 | 96.9 | 74.4 |
| Gross Profit | 159.7 | 160.7 | 196.9 | 231.8 | 212.2 | 157.5 | 127.6 | 118.2 | 112.5 | 81.0 | 56.0 |
| Operating Income | 34.3 | 25.1 | 61.7 | 80.5 | 58.0 | 22.7 | 14.2 | 17.1 | 9.2 | 8.3 | 3.9 |
| Net Income | 27.4 | 16.1 | 45.6 | 58.5 | 44.8 | 18.3 | 11.4 | 10.4 | 5.9 | 5.8 | 2.6 |
| EPS (Diluted) | 0.66 | 0.37 | 0.97 | 1.14 | 0.82 | 0.33 | 0.20 | 0.18 | 0.10 | 0.10 | 0.04 |
| Balance Sheet | |||||||||||
| Cash & Equivalents | 231.1 | 227.3 | 98.0 | 194.7 | 205.9 | 211.6 | 105.5 | 80.8 | 50.2 | 40.7 | |
| Total Assets | 5,753.1 | 5,667.9 | 5,359.5 | 4,553.4 | 4,483.6 | 4,058.9 | 3,653.1 | 2,684.9 | 2,448.3 | 2,163.1 | |
| Total Debt | 516.6 | 568.5 | 435.0 | 89.9 | 183.1 | 388.0 | 553.7 | 290.4 | 275.1 | 249.6 | |
| Stockholders' Equity | 575.0 | 583.8 | 617.0 | 679.3 | 696.3 | 665.8 | 357.6 | 343.5 | 329.4 | 190.7 | |
| Cash Flow | |||||||||||
| Operating Cash Flow | 3.8 | 53.5 | 68.9 | 224.3 | (27.0) | (36.1) | 61.2 | 43.9 | (4.3) | 29.4 | |
| Capital Expenditure | (1.2) | (4.5) | (2.3) | (6.5) | (5.7) | (4.4) | (5.5) | (3.2) | (2.1) | (1.5) | |
| Free Cash Flow | 2.6 | 49.0 | 66.6 | 217.8 | (32.7) | (40.6) | 55.6 | 40.7 | (6.5) | 27.9 | |