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Grand Canyon Education, Inc.

$153.98 -$11.41 (-6.90%)
NASDAQ · 15 Sep 2026 16:46 UTC
Previous Close
$153.48
Day Range
$151.29$154.7
Year Range
$134.27$223.04
Market Cap
4.01B
AVG Volume
330.56K
Trailing/Forward PE
18.5/13.61
PEG ratio
1.72
Dividend Yield
-
Next Earnings Date
2026-11-04
Primary Exchange
NASDAQUS
Revenue (USD)
0100M200M300M400M24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
LOPE Revenue (USD) by quarter
PeriodRevenue (USD)
26 Q2264.05M
26 Q1308.76M
25 Q4308.12M
25 Q3261.14M
25 Q2247.5M
25 Q1289.31M
24 Q4292.57M
24 Q3238.29M
24 Q2227.46M
24 Q1274.68M
Net Income (USD)
025M50M75M100M24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
LOPE Net Income (USD) by quarter
PeriodNet Income (USD)
26 Q245.85M
26 Q175.35M
25 Q486.73M
25 Q316.27M
25 Q241.55M
25 Q171.62M
24 Q481.88M
24 Q341.47M
24 Q234.88M
24 Q168.01M
Operating Income (USD)
050M100M150M24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
LOPE Operating Income (USD) by quarter
PeriodOperating Income (USD)
26 Q258.15M
26 Q195.46M
25 Q4108.08M
25 Q355.43M
25 Q251.79M
25 Q188.02M
24 Q4100.03M
24 Q348.17M
24 Q242.72M
24 Q184.48M
EBITDA (USD)
050M100M150M24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
LOPE EBITDA (USD) by quarter
PeriodEBITDA (USD)
26 Q268.94M
26 Q1105.91M
25 Q4122.04M
25 Q331.82M
25 Q264.93M
25 Q1100.96M
24 Q4113.48M
24 Q361.56M
24 Q255.86M
24 Q196.97M
Cash Flows (USD)
-100M-50M050M100M150M24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
LOPE Cash Flows (USD) by quarter
PeriodCash Flows (USD)
26 Q297.88M
26 Q180.06M
25 Q4122.85M
25 Q3-58.32M
25 Q2115.39M
25 Q158.66M
24 Q4126.07M
24 Q3-38.78M
24 Q289.51M
24 Q175.91M
EPS (USD)
0123424 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
LOPE EPS (USD) by quarter
PeriodEPS (USD)
26 Q21.75
26 Q12.8
25 Q43.14
25 Q30.58
25 Q21.48
25 Q12.52
24 Q42.84
24 Q31.42
24 Q21.19
24 Q12.29
Expenses (USD)
025M50M75M100MSG&ACapex24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
LOPE Expenses (USD) by quarter
PeriodExpenses (USD)
26 Q280.83M
26 Q182.45M
25 Q471.81M
25 Q383.98M
25 Q276.07M
25 Q179.66M
24 Q469.96M
24 Q378.29M
24 Q272.58M
24 Q175.13M
Cash & Debt (USD)
0100M200M300M400MCashLong Term DebtShort Term Debt24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
LOPE Cash & Debt (USD) by quarter
PeriodCash & Debt (USD)
26 Q2274.53M
26 Q1251.7M
25 Q4300.08M
25 Q397.28M
25 Q2373.9M
25 Q1304.65M
24 Q4324.62M
24 Q3263.58M
24 Q2341.81M
24 Q1290.69M
Debt ratios
-1-0.75-0.5-0.2500.2524 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
LOPE Debt ratios by quarter
PeriodDebt ratios
26 Q2-0.52
26 Q1-0.45
25 Q4-0.31
25 Q30.04
25 Q2-0.78
25 Q1-0.6
24 Q4-0.66
24 Q3-0.48
24 Q2-0.74
24 Q1-0.64
Margins
0%20%40%60%24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
LOPE Margins by quarter
PeriodMargins
26 Q249.36%
26 Q155.67%
25 Q456.59%
25 Q350.48%
25 Q249.03%
25 Q155.59%
24 Q456.14%
24 Q350.01%
24 Q247.64%
24 Q155.58%
Return on Capital
0%5%10%15%24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
LOPE Return on Capital by quarter
PeriodReturn on Capital
26 Q26.85%
26 Q110.82%
25 Q411.61%
25 Q32.15%
25 Q25.34%
25 Q19.17%
24 Q410.45%
24 Q35.43%
24 Q24.59%
24 Q18.96%
Shares Outstanding
010M20M30M24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
LOPE Shares Outstanding by quarter
PeriodShares Outstanding
26 Q226.16M
26 Q126.74M
25 Q427.45M
25 Q327.74M
25 Q228M
25 Q128.28M
24 Q428.68M
24 Q329M
24 Q229.29M
24 Q129.46M
Book Value Per Share (USD)
010203024 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
LOPE Book Value Per Share (USD) by quarter
PeriodBook Value Per Share (USD)
26 Q225.59
26 Q126.03
25 Q427.21
25 Q327.33
25 Q227.79
25 Q127.61
24 Q427.33
24 Q326.35
24 Q225.92
24 Q125.78
Total Assets (USD)
0500M1B1.5B24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
LOPE Total Assets (USD) by quarter
PeriodTotal Assets (USD)
26 Q2919.18M
26 Q1967.89M
25 Q4992.3M
25 Q31.03B
25 Q21.02B
25 Q11.03B
24 Q41.02B
24 Q3992.93M
24 Q2992.69M
24 Q11.04B
Employee Count
02K4K6K2015201620172018201920202021202220232024
LOPE Employee Count by quarter
PeriodEmployee Count
20245.83K
20235.8K
20225.5K
20214.96K
20204.62K
20194.35K
20182.8K
20174K
20163.85K
20153.65K
PE Ratio
1517.52022.52527.5med 21.47Dec 24Apr 25Jul 25Nov 25Feb 26Jun 26Sep 26
LOPE PE Ratio by quarter
PeriodPE Ratio
Sep 2617.91
Sep 2617.64
Sep 2617.81
Aug 2617.64
Aug 2617.21
Aug 2616.83
Aug 2617.8
Jul 2616.96
Jul 2617.02
Jul 2617.08
Jul 2618.36
Jul 2618.57
Jun 2617.67
Jun 2617.22
Jun 2617.94
Jun 2618.56
May 2618.22
May 2619.06
May 2619.2
May 2620.2
May 2619.87
Apr 2620.76
Apr 2622.21
Apr 2621.14
Apr 2621.76
Mar 2621.15
Mar 2620.63
Mar 2620.82
Mar 2621.14
Feb 2620.2
Feb 2619.97
Feb 2621.15
Feb 2622.28
Jan 2622.82
Jan 2623.37
Jan 2623.4
Jan 2623.16
Jan 2621.71
Dec 2522.1
Dec 2521.78
Dec 2520.61
Dec 2520.14
Nov 2520.71
Nov 2521.03
Nov 2522.02
Nov 2521.8
Oct 2522.29
Oct 2525.85
Oct 2525.05
Oct 2524.6
Oct 2525.71
Sep 2525.68
Sep 2524.84
Sep 2524.82
Sep 2524.18
Aug 2523.86
Aug 2524.08
Aug 2523.39
Aug 2523.46
Aug 2520.93
Jul 2520.75
Jul 2521.14
Jul 2521.26
Jul 2522.57
Jun 2523.31
Jun 2523.2
Jun 2522.74
Jun 2523.89
May 2524.34
May 2523.89
May 2524.29
May 2524.13
May 2523.61
Apr 2522.26
Apr 2522.1
Apr 2521.85
Apr 2521.2
Mar 2522.18
Mar 2521.4
Mar 2521.41
Mar 2521.62
Feb 2522.79
Feb 2523.03
Feb 2523.67
Feb 2523.25
Jan 2522.63
Jan 2522.11
Jan 2521.91
Jan 2520.73
Jan 2520.98
Dec 2421.1
Dec 2420.66
Dec 2421.49
Dec 2421.62
Nov 2421.21
Nov 2421.45
Nov 2420.57
Nov 2422.23
Nov 2418.18
Oct 2417.78
Free Cash Flow Yield
4%5%6%7%med 5.03%Dec 24Apr 25Jul 25Nov 25Feb 26Jun 26Sep 26
LOPE Free Cash Flow Yield by quarter
PeriodFree Cash Flow Yield
Sep 266.04%
Sep 266.13%
Sep 266.07%
Aug 266.13%
Aug 266.29%
Aug 266.43%
Aug 266.08%
Jul 266.38%
Jul 266.95%
Jul 266.92%
Jul 266.44%
Jul 266.37%
Jun 266.69%
Jun 266.87%
Jun 266.59%
Jun 266.37%
May 266.49%
May 266.2%
May 266.16%
May 265.85%
May 265.95%
Apr 265.32%
Apr 264.97%
Apr 265.22%
Apr 265.07%
Mar 265.22%
Mar 265.35%
Mar 265.3%
Mar 265.22%
Feb 265.46%
Feb 265.53%
Feb 265.41%
Feb 265.14%
Jan 265.01%
Jan 264.9%
Jan 264.89%
Jan 264.94%
Jan 265.27%
Dec 255.18%
Dec 255.25%
Dec 255.55%
Dec 255.68%
Nov 255.53%
Nov 255.44%
Nov 255.2%
Nov 255.25%
Oct 254.96%
Oct 254.28%
Oct 254.41%
Oct 254.49%
Oct 254.3%
Sep 254.3%
Sep 254.45%
Sep 254.45%
Sep 254.57%
Aug 254.63%
Aug 254.59%
Aug 254.72%
Aug 254.71%
Aug 254.89%
Jul 254.94%
Jul 254.85%
Jul 254.82%
Jul 254.54%
Jun 254.4%
Jun 254.42%
Jun 254.5%
Jun 254.29%
May 254.21%
May 254.29%
May 254.22%
May 254.25%
May 254.73%
Apr 255.02%
Apr 255.06%
Apr 255.11%
Apr 255.27%
Mar 255.04%
Mar 255.22%
Mar 255.22%
Mar 255.17%
Feb 254.9%
Feb 254.85%
Feb 254.37%
Feb 254.44%
Jan 254.57%
Jan 254.67%
Jan 254.72%
Jan 254.98%
Jan 254.93%
Dec 244.9%
Dec 245%
Dec 244.81%
Dec 244.78%
Nov 244.87%
Nov 244.82%
Nov 245.02%
Nov 244.65%
Nov 245.63%
Oct 245.76%
Price to Sales
3456med 4.56Dec 24Apr 25Jul 25Nov 25Feb 26Jun 26Sep 26
LOPE Price to Sales by quarter
PeriodPrice to Sales
Sep 263.52
Sep 263.46
Sep 263.5
Aug 263.46
Aug 263.38
Aug 263.3
Aug 263.49
Jul 263.33
Jul 263.33
Jul 263.34
Jul 263.59
Jul 263.63
Jun 263.45
Jun 263.36
Jun 263.5
Jun 263.63
May 263.56
May 263.72
May 263.75
May 263.95
May 263.88
Apr 264.06
Apr 264.34
Apr 264.13
Apr 264.25
Mar 264.13
Mar 264.03
Mar 264.07
Mar 264.13
Feb 263.95
Feb 263.9
Feb 264.1
Feb 264.32
Jan 264.42
Jan 264.53
Jan 264.54
Jan 264.49
Jan 264.21
Dec 254.28
Dec 254.22
Dec 253.99
Dec 253.9
Nov 254.01
Nov 254.07
Nov 254.27
Nov 254.23
Oct 254.94
Oct 255.73
Oct 255.55
Oct 255.45
Oct 255.7
Sep 255.69
Sep 255.5
Sep 255.5
Sep 255.36
Aug 255.29
Aug 255.33
Aug 255.18
Aug 255.2
Aug 254.59
Jul 254.55
Jul 254.64
Jul 254.66
Jul 254.95
Jun 255.11
Jun 255.09
Jun 254.99
Jun 255.24
May 255.34
May 255.24
May 255.33
May 255.29
May 255.17
Apr 254.88
Apr 254.84
Apr 254.79
Apr 254.64
Mar 254.86
Mar 254.69
Mar 254.69
Mar 254.73
Feb 254.99
Feb 255.04
Feb 255.23
Feb 255.14
Jan 255
Jan 254.89
Jan 254.84
Jan 254.58
Jan 254.64
Dec 244.66
Dec 244.56
Dec 244.75
Dec 244.78
Nov 244.69
Nov 244.74
Nov 244.54
Nov 244.91
Nov 243.98
Oct 243.89
EV/EBITDA
1012141618med 14.4Dec 24Apr 25Jul 25Nov 25Feb 26Jun 26Sep 26
LOPE EV/EBITDA by quarter
PeriodEV/EBITDA
Sep 2611.7
Sep 2611.52
Sep 2611.63
Aug 2611.51
Aug 2611.22
Aug 2610.96
Aug 2611.62
Jul 2611.05
Jul 2611.07
Jul 2611.11
Jul 2611.98
Jul 2612.12
Jun 2611.51
Jun 2611.21
Jun 2611.69
Jun 2612.11
May 2611.89
May 2612.45
May 2612.55
May 2613.23
May 2613
Apr 2613.72
Apr 2614.7
Apr 2613.98
Apr 2614.4
Mar 2613.99
Mar 2613.63
Mar 2613.76
Mar 2613.98
Feb 2613.34
Feb 2613.19
Feb 2614.4
Feb 2615.17
Jan 2615.54
Jan 2615.91
Jan 2615.94
Jan 2615.77
Jan 2614.79
Dec 2515.05
Dec 2514.83
Dec 2514.04
Dec 2513.72
Nov 2514.1
Nov 2514.32
Nov 2515
Nov 2514.85
Oct 2514.68
Oct 2517.15
Oct 2516.6
Oct 2516.29
Oct 2517.06
Sep 2517.03
Sep 2516.45
Sep 2516.44
Sep 2515.99
Aug 2515.77
Aug 2515.92
Aug 2515.45
Aug 2515.5
Aug 2513.9
Jul 2513.77
Jul 2514.04
Jul 2514.12
Jul 2515.03
Jun 2515.54
Jun 2515.47
Jun 2515.15
Jun 2515.95
May 2516.26
May 2515.94
May 2516.22
May 2516.11
May 2515.63
Apr 2514.7
Apr 2514.59
Apr 2514.42
Apr 2513.97
Mar 2514.64
Mar 2514.11
Mar 2514.11
Mar 2514.26
Feb 2515.07
Feb 2515.23
Feb 2515.97
Feb 2515.68
Jan 2515.25
Jan 2514.88
Jan 2514.74
Jan 2513.93
Jan 2514.1
Dec 2414.18
Dec 2413.87
Dec 2414.45
Dec 2414.54
Nov 2414.26
Nov 2414.42
Nov 2413.81
Nov 2414.97
Nov 2411.93
Oct 2411.65
Price/Operating Cashflow
121416182022med 17.22Dec 24Apr 25Jul 25Nov 25Feb 26Jun 26Sep 26
LOPE Price/Operating Cashflow by quarter
PeriodPrice/Operating Cashflow
Sep 2614.41
Sep 2614.19
Sep 2614.33
Aug 2614.19
Aug 2613.84
Aug 2613.54
Aug 2614.32
Jul 2613.64
Jul 2612.73
Jul 2612.77
Jul 2613.73
Jul 2613.88
Jun 2613.21
Jun 2612.88
Jun 2613.41
Jun 2613.88
May 2613.63
May 2614.25
May 2614.36
May 2615.11
May 2614.86
Apr 2616.41
Apr 2617.55
Apr 2616.71
Apr 2617.2
Mar 2616.72
Mar 2616.3
Mar 2616.46
Mar 2616.71
Feb 2615.96
Feb 2615.79
Feb 2616.03
Feb 2616.89
Jan 2617.3
Jan 2617.71
Jan 2617.74
Jan 2617.55
Jan 2616.45
Dec 2516.75
Dec 2516.51
Dec 2515.62
Dec 2515.26
Nov 2515.69
Nov 2515.94
Nov 2516.69
Nov 2516.53
Oct 2517.69
Oct 2520.51
Oct 2519.87
Oct 2519.52
Oct 2520.4
Sep 2520.38
Sep 2519.71
Sep 2519.69
Sep 2519.19
Aug 2518.93
Aug 2519.1
Aug 2518.56
Aug 2518.62
Aug 2517.65
Jul 2517.49
Jul 2517.82
Jul 2517.92
Jul 2519.03
Jun 2519.65
Jun 2519.56
Jun 2519.17
Jun 2520.14
May 2520.52
May 2520.14
May 2520.48
May 2520.34
May 2518.42
Apr 2517.37
Apr 2517.24
Apr 2517.05
Apr 2516.54
Mar 2517.3
Mar 2516.7
Mar 2516.71
Mar 2516.87
Feb 2517.78
Feb 2517.97
Feb 2519.69
Feb 2519.35
Jan 2518.83
Jan 2518.4
Jan 2518.22
Jan 2517.25
Jan 2517.45
Dec 2417.56
Dec 2417.19
Dec 2417.88
Dec 2417.99
Nov 2417.65
Nov 2417.85
Nov 2417.11
Nov 2418.5
Nov 2414.76
Oct 2414.44
Price to Book
5678med 6.22Dec 24Apr 25Jul 25Nov 25Feb 26Jun 26Sep 26
LOPE Price to Book by quarter
PeriodPrice to Book
Sep 266
Sep 265.91
Sep 265.97
Aug 265.91
Aug 265.76
Aug 265.63
Aug 265.96
Jul 265.68
Jul 265.38
Jul 265.39
Jul 265.8
Jul 265.86
Jun 265.58
Jun 265.44
Jun 265.67
Jun 265.86
May 265.76
May 266.02
May 266.06
May 266.38
May 266.28
Apr 266.01
Apr 266.43
Apr 266.12
Apr 266.3
Mar 266.12
Mar 265.97
Mar 266.03
Mar 266.12
Feb 265.85
Feb 265.78
Feb 265.89
Feb 266.21
Jan 266.36
Jan 266.51
Jan 266.52
Jan 266.46
Jan 266.05
Dec 256.16
Dec 256.07
Dec 255.75
Dec 255.61
Nov 255.77
Nov 255.86
Nov 256.14
Nov 256.08
Oct 256.78
Oct 257.86
Oct 257.61
Oct 257.48
Oct 257.82
Sep 257.81
Sep 257.55
Sep 257.54
Sep 257.35
Aug 257.25
Aug 257.32
Aug 257.11
Aug 257.13
Aug 256.16
Jul 256.11
Jul 256.22
Jul 256.26
Jul 256.64
Jun 256.86
Jun 256.83
Jun 256.7
Jun 257.03
May 257.17
May 257.03
May 257.15
May 257.1
May 256.81
Apr 256.43
Apr 256.38
Apr 256.31
Apr 256.12
Mar 256.4
Mar 256.18
Mar 256.18
Mar 256.24
Feb 256.58
Feb 256.65
Feb 256.97
Feb 256.85
Jan 256.67
Jan 256.51
Jan 256.45
Jan 256.11
Jan 256.18
Dec 246.22
Dec 246.08
Dec 246.33
Dec 246.37
Nov 246.25
Nov 246.32
Nov 246.06
Nov 246.55
Nov 245.25
Oct 245.14
Grand Canyon Education, Inc.
LOPE
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News: LOPE

California State Teachers Retirement System Boosts Stock Holdings in Grand Canyon Education, Inc. $LOPE

defenseworld.net · 15 Sep 2026

California State Teachers Retirement System Boosts Stock Holdings in Grand Canyon Education, Inc. $LOPE

California State Teachers Retirement System boosted its position in Grand Canyon Education, Inc. (NASDAQ: LOPE) by 13,436.9% in the second quarter, according to its most recent disclosure with the Securities and Exchange Commission (SEC). The fund owned 4,479,629 shares of the company's stock after buying an additional 4,446,537 shares during the quarter. California

Amundi Buys 10,441 Shares of Grand Canyon Education, Inc. $LOPE

defenseworld.net · 12 Sep 2026

Amundi Buys 10,441 Shares of Grand Canyon Education, Inc. $LOPE

Amundi grew its position in shares of Grand Canyon Education, Inc. (NASDAQ: LOPE) by 12.5% in the second quarter, according to the company in its most recent Form 13F filing with the Securities and Exchange Commission. The institutional investor owned 94,133 shares of the company's stock after purchasing an additional 10,441 shares during

Canada Pension Plan Investment Board Takes $2.26 Million Position in Grand Canyon Education, Inc. $LOPE

defenseworld.net · 31 Aug 2026

Canada Pension Plan Investment Board Takes $2.26 Million Position in Grand Canyon Education, Inc. $LOPE

Canada Pension Plan Investment Board acquired a new stake in Grand Canyon Education, Inc. (NASDAQ: LOPE) in the second quarter, according to the company in its most recent filing with the SEC. The firm acquired 15,800 shares of the company's stock, valued at approximately $2,261,000. Canada Pension Plan Investment Board owned about 0.06%

Caisse de depot et placement du Quebec Makes New $1.53 Million Investment in Grand Canyon Education, Inc. $LOPE

defenseworld.net · 30 Aug 2026

Caisse de depot et placement du Quebec Makes New $1.53 Million Investment in Grand Canyon Education, Inc. $LOPE

Caisse de depot et placement du Quebec acquired a new stake in shares of Grand Canyon Education, Inc. (NASDAQ: LOPE) in the undefined quarter, according to its most recent 13F filing with the SEC. The fund acquired 10,700 shares of the company's stock, valued at approximately $1,531,000. Other large investors have also made

Bank of Nova Scotia Buys New Stake in Grand Canyon Education, Inc. $LOPE

defenseworld.net · 26 Aug 2026

Bank of Nova Scotia Buys New Stake in Grand Canyon Education, Inc. $LOPE

Bank of Nova Scotia bought a new stake in shares of Grand Canyon Education, Inc. (NASDAQ: LOPE) during the second quarter, according to the company in its most recent filing with the SEC. The institutional investor bought 36,300 shares of the company's stock, valued at approximately $5,195,000. Bank of Nova Scotia owned about

Deutsche Bank AG Takes $7.64 Million Position in Grand Canyon Education, Inc. $LOPE

defenseworld.net · 24 Aug 2026

Deutsche Bank AG Takes $7.64 Million Position in Grand Canyon Education, Inc. $LOPE

Deutsche Bank AG purchased a new stake in shares of Grand Canyon Education, Inc. (NASDAQ: LOPE) during the second quarter, according to its most recent Form 13F filing with the Securities and Exchange Commission. The firm purchased 53,374 shares of the company's stock, valued at approximately $7,638,000. Deutsche Bank AG owned approximately 0.20%

How Much Upside is Left in Grand Canyon Education (LOPE)? Wall Street Analysts Think 35.23%

zacks.com · 17 Aug 2026

How Much Upside is Left in Grand Canyon Education (LOPE)? Wall Street Analysts Think 35.23%

The mean of analysts' price targets for Grand Canyon Education (LOPE) points to a 35.2% upside in the stock. While this highly sought-after metric has not proven reasonably effective, strong agreement among analysts in raising earnings estimates does indicate an upside in the stock.

PRDO or LOPE: Which Is the Better Value Stock Right Now?

zacks.com · 10 Aug 2026

PRDO or LOPE: Which Is the Better Value Stock Right Now?

Investors interested in Schools stocks are likely familiar with Perdoceo Education (PRDO) and Grand Canyon Education (LOPE). But which of these two companies is the best option for those looking for undervalued stocks?

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Disclaimer: The historical data presented on this platform is provided by Financial Modeling Prep. Stock Picker is a platform for informational purposes only and does not provide financial advice. Users are encouraged to conduct their own research and consult with a qualified financial advisor before making investment decisions.