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AMD   149.09 (-3.86%)
NIO   3.85 (-3.75%)
BABA   68.86 (-0.03%)
T   16.39 (+0.37%)
F   12.13 (+0.58%)
MU   107.54 (-3.92%)
GE   149.00 (-2.58%)
CGC   8.15 (+4.09%)
DIS   112.12 (-0.28%)
AMC   3.22 (+10.27%)
PFE   25.80 (+1.61%)
PYPL   62.18 (+0.13%)
XOM   120.07 (+1.31%)
QQQ   417.36 (-1.43%)
AAPL   165.10 (-1.16%)
MSFT   399.92 (-1.08%)
META   483.53 (-3.64%)
GOOGL   153.94 (-1.33%)
AMZN   174.96 (-2.38%)
TSLA   149.36 (-0.38%)
NVDA   813.39 (-3.94%)
AMD   149.09 (-3.86%)
NIO   3.85 (-3.75%)
BABA   68.86 (-0.03%)
T   16.39 (+0.37%)
F   12.13 (+0.58%)
MU   107.54 (-3.92%)
GE   149.00 (-2.58%)
CGC   8.15 (+4.09%)
DIS   112.12 (-0.28%)
AMC   3.22 (+10.27%)
PFE   25.80 (+1.61%)
PYPL   62.18 (+0.13%)
XOM   120.07 (+1.31%)
QQQ   417.36 (-1.43%)
AAPL   165.10 (-1.16%)
MSFT   399.92 (-1.08%)
META   483.53 (-3.64%)
GOOGL   153.94 (-1.33%)
AMZN   174.96 (-2.38%)
TSLA   149.36 (-0.38%)
NVDA   813.39 (-3.94%)
AMD   149.09 (-3.86%)
NIO   3.85 (-3.75%)
BABA   68.86 (-0.03%)
T   16.39 (+0.37%)
F   12.13 (+0.58%)
MU   107.54 (-3.92%)
GE   149.00 (-2.58%)
CGC   8.15 (+4.09%)
DIS   112.12 (-0.28%)
AMC   3.22 (+10.27%)
PFE   25.80 (+1.61%)
PYPL   62.18 (+0.13%)
XOM   120.07 (+1.31%)
QQQ   417.36 (-1.43%)
AAPL   165.10 (-1.16%)
MSFT   399.92 (-1.08%)
META   483.53 (-3.64%)
GOOGL   153.94 (-1.33%)
AMZN   174.96 (-2.38%)
TSLA   149.36 (-0.38%)
NVDA   813.39 (-3.94%)
AMD   149.09 (-3.86%)
NIO   3.85 (-3.75%)
BABA   68.86 (-0.03%)
T   16.39 (+0.37%)
F   12.13 (+0.58%)
MU   107.54 (-3.92%)
GE   149.00 (-2.58%)
CGC   8.15 (+4.09%)
DIS   112.12 (-0.28%)
AMC   3.22 (+10.27%)
PFE   25.80 (+1.61%)
PYPL   62.18 (+0.13%)
XOM   120.07 (+1.31%)

Compare Stocks

Comparative Price Performance Over Time

Compare Stocks - Price & Volume

CompanyCurrent Price50-Day Moving Average52-Week RangeMarket CapBetaAvg. VolumeToday's Volume
Axos Financial, Inc. stock logo
AX
Axos Financial
$50.37
+2.4%
$51.54
$32.05
$60.00
$2.87B1.44550,035 shs241,770 shs
BankUnited, Inc. stock logo
BKU
BankUnited
$26.73
+3.3%
$26.79
$15.83
$34.22
$2.00B1.36894,049 shs308,814 shs
Eastern Bankshares, Inc. stock logo
EBC
Eastern Bankshares
$12.73
+2.4%
$13.20
$9.93
$15.07
$2.25B0.85951,937 shs310,876 shs
TFS Financial Co. stock logo
TFSL
TFS Financial
$12.10
+2.2%
$12.60
$10.97
$15.25
$3.40B0.64286,165 shs78,144 shs
Umpqua Holdings Co. stock logo
UMPQ
Umpqua
$17.66
$18.10
$15.77
$21.50
$3.83B0.972.31 million shsN/A
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Price Performance

Company1-Day Performance7-Day Performance30-Day Performance90-Day Performance1-Year Performance
Axos Financial, Inc. stock logo
AX
Axos Financial
+0.65%-1.68%-3.13%-7.61%+27.80%
BankUnited, Inc. stock logo
BKU
BankUnited
+2.82%+1.13%-0.80%-11.46%+18.54%
Eastern Bankshares, Inc. stock logo
EBC
Eastern Bankshares
+1.55%-1.97%-3.79%-9.73%+5.25%
TFS Financial Co. stock logo
TFSL
TFS Financial
+0.08%-2.31%-2.31%-15.25%-6.62%
Umpqua Holdings Co. stock logo
UMPQ
Umpqua
0.00%0.00%0.00%0.00%0.00%

MarketRank™

CompanyOverall ScoreAnalyst's OpinionShort Interest ScoreDividend StrengthESG ScoreNews and Social Media SentimentCompany OwnershipEarnings & Valuation
Axos Financial, Inc. stock logo
AX
Axos Financial
2.6283 of 5 stars
3.30.00.00.01.83.32.5
BankUnited, Inc. stock logo
BKU
BankUnited
4.1419 of 5 stars
2.93.03.30.02.42.53.1
Eastern Bankshares, Inc. stock logo
EBC
Eastern Bankshares
4.2755 of 5 stars
2.22.03.32.80.02.53.8
TFS Financial Co. stock logo
TFSL
TFS Financial
2.3836 of 5 stars
2.01.01.73.60.60.81.3
Umpqua Holdings Co. stock logo
UMPQ
Umpqua
N/AN/AN/AN/AN/AN/AN/AN/A

Analyst Ratings

CompanyConsensus Rating ScoreConsensus RatingConsensus Price Target% Upside from Current Price
Axos Financial, Inc. stock logo
AX
Axos Financial
2.50
Moderate Buy$62.3323.75% Upside
BankUnited, Inc. stock logo
BKU
BankUnited
1.80
Reduce$30.5014.10% Upside
Eastern Bankshares, Inc. stock logo
EBC
Eastern Bankshares
2.33
Hold$15.2519.80% Upside
TFS Financial Co. stock logo
TFSL
TFS Financial
2.00
Hold$14.0015.70% Upside
Umpqua Holdings Co. stock logo
UMPQ
Umpqua
N/AN/AN/AN/A

Current Analyst Ratings

Latest UMPQ, EBC, BKU, AX, and TFSL Analyst Ratings

DateCompanyBrokerageActionRatingPrice TargetDetails
4/18/2024
BankUnited, Inc. stock logo
BKU
BankUnited
Keefe, Bruyette & Woods
Subscribe to MarketBeat All Access for the recommendation accuracy rating
Lower Price TargetMarket Perform ➝ Market Perform$33.00 ➝ $31.00
4/9/2024
BankUnited, Inc. stock logo
BKU
BankUnited
Royal Bank of Canada
Subscribe to MarketBeat All Access for the recommendation accuracy rating
Lower Price TargetSector Perform ➝ Sector Perform$33.00 ➝ $29.00
4/4/2024
BankUnited, Inc. stock logo
BKU
BankUnited
JPMorgan Chase & Co.
Subscribe to MarketBeat All Access for the recommendation accuracy rating
Lower Price TargetNeutral ➝ Neutral$35.00 ➝ $33.00
3/8/2024
BankUnited, Inc. stock logo
BKU
BankUnited
Barclays
Subscribe to MarketBeat All Access for the recommendation accuracy rating
Initiated CoverageEqual Weight$29.00
2/23/2024
TFS Financial Co. stock logo
TFSL
TFS Financial
Piper Sandler
Subscribe to MarketBeat All Access for the recommendation accuracy rating
Initiated CoverageNeutral$14.00
1/31/2024
Axos Financial, Inc. stock logo
AX
Axos Financial
Wedbush
Subscribe to MarketBeat All Access for the recommendation accuracy rating
Boost Price TargetNeutral ➝ Neutral$59.00 ➝ $62.00
1/31/2024
Axos Financial, Inc. stock logo
AX
Axos Financial
Raymond James
Subscribe to MarketBeat All Access for the recommendation accuracy rating
Boost Price TargetOutperform ➝ Outperform$45.00 ➝ $62.00
1/29/2024
BankUnited, Inc. stock logo
BKU
BankUnited
Citigroup
Subscribe to MarketBeat All Access for the recommendation accuracy rating
Lower Price TargetNeutral ➝ Neutral$34.00 ➝ $33.00
1/29/2024
BankUnited, Inc. stock logo
BKU
BankUnited
Royal Bank of Canada
Subscribe to MarketBeat All Access for the recommendation accuracy rating
Reiterated RatingSector Perform ➝ Sector Perform$33.00
1/29/2024
BankUnited, Inc. stock logo
BKU
BankUnited
Wedbush
Subscribe to MarketBeat All Access for the recommendation accuracy rating
Lower Price TargetNeutral ➝ Neutral$34.00 ➝ $31.00
1/29/2024
BankUnited, Inc. stock logo
BKU
BankUnited
Wells Fargo & Company
Subscribe to MarketBeat All Access for the recommendation accuracy rating
Boost Price TargetEqual Weight ➝ Equal Weight$26.00 ➝ $28.00
(Data available from 4/19/2021 forward. View 10+ years of historical ratings with our analyst ratings screener.)

Sales & Book Value

CompanyAnnual RevenuePrice/SalesCashflowPrice/CashBook ValuePrice/Book
Axos Financial, Inc. stock logo
AX
Axos Financial
$1.28B2.24$6.05 per share8.33$32.30 per share1.56
BankUnited, Inc. stock logo
BKU
BankUnited
$960.64M2.08$3.89 per share6.88$35.31 per share0.76
Eastern Bankshares, Inc. stock logo
EBC
Eastern Bankshares
$558.71M4.02$1.18 per share10.82$16.86 per share0.76
TFS Financial Co. stock logo
TFSL
TFS Financial
$633.35M5.36$0.34 per share35.52$6.88 per share1.76
Umpqua Holdings Co. stock logo
UMPQ
Umpqua
$1.35B2.84$1.82 per share9.69$11.43 per share1.55

Profitability & Earnings

CompanyNet IncomeEPSTrailing P/E RatioForward P/E RatioP/E GrowthNet MarginsReturn on Equity (ROE)Return on Assets (ROA)Next Earnings Date
Axos Financial, Inc. stock logo
AX
Axos Financial
$307.17M$6.787.437.26N/A24.55%17.83%1.69%4/30/2024 (Confirmed)
BankUnited, Inc. stock logo
BKU
BankUnited
$178.67M$2.3211.529.25N/A8.71%8.06%0.58%7/23/2024 (Estimated)
Eastern Bankshares, Inc. stock logo
EBC
Eastern Bankshares
$232.18M$1.419.038.49N/AN/A6.66%0.81%4/25/2024 (Confirmed)
TFS Financial Co. stock logo
TFSL
TFS Financial
$75.25M$0.2646.54N/A10.97%3.93%0.44%4/25/2024 (Estimated)
Umpqua Holdings Co. stock logo
UMPQ
Umpqua
$336.75M$1.5511.396.28N/A24.99%14.96%1.21%N/A

Latest UMPQ, EBC, BKU, AX, and TFSL Earnings

DateQuarterCompanyConsensus EstimateReported EPSBeat/MissGap EPSRevenue EstimateActual RevenueDetails
4/30/2024N/A
Axos Financial, Inc. stock logo
AX
Axos Financial
$1.74N/A-$1.74N/AN/AN/A  
4/25/2024N/A
Eastern Bankshares, Inc. stock logo
EBC
Eastern Bankshares
$0.20N/A-$0.20N/AN/AN/A  
4/17/2024Q1 2024
BankUnited, Inc. stock logo
BKU
BankUnited
$0.62$0.64+$0.02$0.64$239.84 million$508.35 million    
1/30/2024Q2 2024
Axos Financial, Inc. stock logo
AX
Axos Financial
$1.39$1.60+$0.21$0.58$247.43 million$352.74 million      
1/30/2024Q1 2024
TFS Financial Co. stock logo
TFSL
TFS Financial
N/A$0.07+$0.07$0.07N/A$75.41 million
1/26/202412/31/2023
BankUnited, Inc. stock logo
BKU
BankUnited
$0.69$0.27-$0.42$1.17$244.11 million$500.30 million    
1/25/2024Q4 2023
Eastern Bankshares, Inc. stock logo
EBC
Eastern Bankshares
$0.21$0.10-$0.11-$1.75$153.53 million$160.05 million

Dividends

CompanyAnnual PayoutDividend Yield3-Year Dividend GrowthPayout RatioYears of Consecutive Growth
Axos Financial, Inc. stock logo
AX
Axos Financial
N/AN/AN/AN/AN/A
BankUnited, Inc. stock logo
BKU
BankUnited
$1.164.34%+5.61%50.00%3 Years
Eastern Bankshares, Inc. stock logo
EBC
Eastern Bankshares
$0.443.46%N/A31.21%2 Years
TFS Financial Co. stock logo
TFSL
TFS Financial
$1.139.34%+0.30%434.63%N/A
Umpqua Holdings Co. stock logo
UMPQ
Umpqua
$0.844.76%N/A54.19%N/A

Latest UMPQ, EBC, BKU, AX, and TFSL Dividends

AnnouncementCompanyPeriodAmountYieldEx-Dividend DateRecord DatePayable Date
2/22/2024
BankUnited, Inc. stock logo
BKU
BankUnited
quarterly$0.294.3%4/11/20244/12/20244/30/2024
2/22/2024
TFS Financial Co. stock logo
TFSL
TFS Financial
quarterly$0.28258.63%3/6/20243/7/20243/21/2024
1/25/2024
Eastern Bankshares, Inc. stock logo
EBC
Eastern Bankshares
Quarterly$0.113.16%2/29/20243/1/20243/15/2024
(Data available from 1/1/2013 forward)

Debt

CompanyDebt-to-Equity RatioCurrent RatioQuick Ratio
Axos Financial, Inc. stock logo
AX
Axos Financial
0.24
1.07
1.07
BankUnited, Inc. stock logo
BKU
BankUnited
1.98
0.92
0.92
Eastern Bankshares, Inc. stock logo
EBC
Eastern Bankshares
0.01
0.82
0.82
TFS Financial Co. stock logo
TFSL
TFS Financial
2.69
1.58
1.58
Umpqua Holdings Co. stock logo
UMPQ
Umpqua
0.53
0.99
0.99

Ownership

Institutional Ownership

CompanyInstitutional Ownership
Axos Financial, Inc. stock logo
AX
Axos Financial
83.79%
BankUnited, Inc. stock logo
BKU
BankUnited
99.70%
Eastern Bankshares, Inc. stock logo
EBC
Eastern Bankshares
71.68%
TFS Financial Co. stock logo
TFSL
TFS Financial
9.81%
Umpqua Holdings Co. stock logo
UMPQ
Umpqua
90.34%

Insider Ownership

CompanyInsider Ownership
Axos Financial, Inc. stock logo
AX
Axos Financial
4.82%
BankUnited, Inc. stock logo
BKU
BankUnited
1.19%
Eastern Bankshares, Inc. stock logo
EBC
Eastern Bankshares
1.15%
TFS Financial Co. stock logo
TFSL
TFS Financial
1.13%
Umpqua Holdings Co. stock logo
UMPQ
Umpqua
0.58%

Miscellaneous

CompanyEmployeesShares OutstandingFree FloatOptionable
Axos Financial, Inc. stock logo
AX
Axos Financial
1,45556.90 million54.16 millionOptionable
BankUnited, Inc. stock logo
BKU
BankUnited
1,61674.77 million73.88 millionOptionable
Eastern Bankshares, Inc. stock logo
EBC
Eastern Bankshares
1,744176.43 million174.40 millionOptionable
TFS Financial Co. stock logo
TFSL
TFS Financial
995280.71 million277.54 millionOptionable
Umpqua Holdings Co. stock logo
UMPQ
Umpqua
4,000217.05 million215.80 millionOptionable

UMPQ, EBC, BKU, AX, and TFSL Headlines

SourceHeadline
UCC Vintage Singers perform spring concertUCC Vintage Singers perform spring concert
nrtoday.com - April 18 at 8:50 PM
Golden ghosts: The draw of fly-fishing for the hard fighting carpGolden ghosts: The draw of fly-fishing for the hard fighting carp
spokesman.com - April 17 at 7:29 AM
Five Riverhawks win events in Titan Invitational track and field meetFive Riverhawks win events in Titan Invitational track and field meet
nrtoday.com - April 15 at 8:48 PM
Phoenix School Annual Spring Dinner & Auction fundraiser set for April 20Phoenix School Annual Spring Dinner & Auction fundraiser set for April 20
kpic.com - April 12 at 6:40 PM
Umpqua Valley gymnasts will compete at regionalsUmpqua Valley gymnasts will compete at regionals
nrtoday.com - April 12 at 1:40 PM
UCC to host Music from Around the World by Vintage Singers this SpringUCC to host 'Music from Around the World' by Vintage Singers this Spring
kpic.com - April 11 at 3:12 PM
Tribes, forest service highlight co-stewardship projectsTribes, forest service highlight co-stewardship projects
nrtoday.com - April 9 at 8:35 PM
People throughout Douglas County watch partial eclipsePeople throughout Douglas County watch partial eclipse
nrtoday.com - April 9 at 3:34 PM
UCCs Metz, Gee share first in pole vault in John Knight Twilight track meetUCC's Metz, Gee share first in pole vault in John Knight Twilight track meet
nrtoday.com - April 9 at 12:27 AM
Rioja of the New World: Umpqua Winery Wins Gold and ‘Best Tempranillo’ in California CompetitionRioja of the New World: Umpqua Winery Wins Gold and ‘Best Tempranillo’ in California Competition
wineindustryadvisor.com - April 8 at 7:27 PM
UCC works to create more student housing and revitalize RoseburgUCC works to create more student housing and revitalize Roseburg
ijpr.org - April 5 at 3:19 PM
Snoqualmie Valley Community Calendar | April 5 editionSnoqualmie Valley Community Calendar | April 5 edition
msn.com - April 5 at 12:17 AM
Inspection delays slows move for forest serviceInspection delays slows move for forest service
nrtoday.com - April 4 at 7:13 PM
Oregon Hunters Banquet takes place this weekendOregon Hunters Banquet takes place this weekend
nrtoday.com - April 4 at 2:13 PM
Umpqua Bank fundraiser aids BHTUmpqua Bank fundraiser aids BHT
bonnercountydailybee.com - April 3 at 10:47 AM
Oregon seafood industry calls on Gov. Tina Kotek to halt offshore wind energy developmentOregon seafood industry calls on Gov. Tina Kotek to halt offshore wind energy development
oregonlive.com - April 2 at 10:26 AM
Umpqua Community Colleges first mobile health unit welcomed by studentsUmpqua Community College's first mobile health unit welcomed by students
msn.com - April 1 at 7:36 PM
Umpqua Star Gazer: Jupiter and its moons on display in AprilUmpqua Star Gazer: Jupiter and its moons on display in April
nrtoday.com - March 30 at 10:00 AM
South Umpqua softball wins three in Medford spring break tournamentSouth Umpqua softball wins three in Medford spring break tournament
nrtoday.com - March 27 at 4:27 PM
South Umpqua baseball falls short 4-3 to Warrenton in non-league playSouth Umpqua baseball falls short 4-3 to Warrenton in non-league play
nrtoday.com - March 27 at 4:27 PM
South Umpqua baseball falls 12-7 to LebanonSouth Umpqua baseball falls 12-7 to Lebanon
nrtoday.com - March 27 at 10:01 AM
Umpqua Fishermen’s Association hosts presentation on Diamond LakeUmpqua Fishermen’s Association hosts presentation on Diamond Lake
nrtoday.com - March 24 at 9:57 AM
Umpqua sweeps Mt. Hood in league baseball twin billUmpqua sweeps Mt. Hood in league baseball twin bill
nrtoday.com - March 24 at 4:57 AM
Richard CabreraRichard Cabrera
latimes.com - March 24 at 4:57 AM

New MarketBeat Followers Over Time

Media Sentiment Over Time

Top Headlines

All Headlines

Company Descriptions

Axos Financial logo

Axos Financial

NYSE:AX
Axos Financial, Inc., together with its subsidiaries, provides consumer and business banking products in the United States. It operates through two segments, Banking Business and Securities Business. The company offers deposits products, including consumer and business checking, demand, savings, time deposit, money market, zero balance, and insured cash sweep accounts. It also provides residential single family, multifamily, and commercial mortgage loans; commercial real estate secured loans; commercial and industrial non-real estate, asset-backed, lines of credit, and term loans; automobile loans; fixed rate unsecured loans; and other loans, such as structure settlements, small business administration consumer loans, and securities-backed loans. In addition, the company offers ACH origination, wire transfer, commercial check printing, business bill pay and account transfer; remote deposit capture, mobile deposit, lockbox, merchant, and online payment portal; concierge banking; mobile and text message banking; and payment services, as well as debit and credit cards, and digital wallets. Further, it provides disclosed clearing services; back-office services, such as record keeping, trade reporting, accounting, general back-office support, securities and margin lending, reorganization assistance, and custody of securities; and financing to brokerage customers. The company was formerly known as BofI Holding, Inc. and changed its name to Axos Financial, Inc. in September 2018. Axos Financial, Inc. was incorporated in 1999 and is based in Las Vegas, Nevada.
BankUnited logo

BankUnited

NYSE:BKU
BankUnited, Inc. operates as the bank holding company for BankUnited, a national banking association that provides a range of banking services in the United States. The company offers deposit products, such as checking, money market deposit, and savings accounts; certificates of deposit; and treasury, commercial payment, and cash management services. Its loans portfolio includes commercial loans, including equipment loans, secured and unsecured lines of credit, formula-based lines of credit, owner-occupied commercial real estate term loans and lines of credit, mortgage warehouse lines, subscription finance facilities, letters of credit, commercial credit cards, small business administration and U.S. department of agriculture product offerings, export-import bank financing products, trade finance, and business acquisition finance credit facilities; commercial real estate loans; residential mortgages; and other consumer loans. The company offers online, mobile, and telephone banking services. It operates through a network of banking centers located in Florida counties and the New York metropolitan area, as well as Dallas, Texas. The company was formerly known as BU Financial Corporation. BankUnited, Inc. was incorporated in 2009 and is headquartered in Miami Lakes, Florida.
Eastern Bankshares logo

Eastern Bankshares

NASDAQ:EBC
Eastern Bankshares, Inc. operates as the bank holding company for Eastern Bank that provides banking products and services primarily to retail, commercial, and small business customers. The company provides deposit accounts, interest checking accounts, money market accounts, savings accounts, and time certificates of deposit accounts. It also offers commercial and industrial, commercial real estate and construction, small business, residential real estate, and home equity loans; lines of credit; and other consumer loans comprising unsecured personal lines of credit, overdraft protection, automobile loans, home improvement loans, airplane loans, and other personal loans. In addition, the company provides trust, financial planning and portfolio management, automated lock box collection, cash management, and account reconciliation services; personal, business, and employee benefits insurance products. Eastern Bankshares, Inc. was founded in 1818 and is headquartered in Boston, Massachusetts.
TFS Financial logo

TFS Financial

NASDAQ:TFSL
TFS Financial Corporation, through its subsidiaries, provides retail consumer banking services in the United States. Its deposit products include savings, money market, checking, individual retirement, and other qualified plan accounts, as well as certificates of deposit. The company also provides residential real estate mortgage loans, residential construction loans, and home equity loans and lines of credit, as well as purchase mortgages and first mortgage refinance loans. In addition, it offers escrow and settlement services. The company provides its products and services through its main office in Cleveland, Ohio; and multiple full-service branches and loan production offices located throughout the states of Ohio and Florida. TFS Financial Corporation was founded in 1938 and is headquartered in Cleveland, Ohio. TFS Financial Corporation is a subsidiary of Third Federal Savings and Loan Association of Cleveland, MHC.
Umpqua logo

Umpqua

NASDAQ:UMPQ
Umpqua Holdings Corp. operates as a bank holding company, which provides banking and financial services. The firm operates through the following segments: Wholesale Bank, Wealth Management, Retail Bank and Home Lending. The Wholesale Bank segment includes lending, treasury and cash management services and customer risk management products to middle market corporate, commercial and business banking customers and the operations of FinPac. The Wealth Management segment consists of the operations of Umpqua Investments, which offers retail brokerage and investment advisory services and products to its clients who consist primarily of individual investors, and Umpqua private bank, which serves high net worth individuals with liquid investable assets and provides customized financial solutions and offerings. The Retail Bank segment includes retail lending and deposit services for customers served through the Bank's store network. The Home Lending segment operates as a division of the Bank, originates, sells and services residential mortgage loans. It also offers loans, checking, overdraft services, debit cards, online banking and credit cards. The company was founded in March 1999 and is