# Growth The return metric summarises the relative ranking of the asset versus its peers in terms of revenue, EBITDA, FCF, and net income / EPS growth rates. It also considers the presence and the severeness of key metrics’ seasonality, the presence and persistence of growth momentum, growth rates volatility, and the availability of quarterly financials. For the financial institutions, we use core revenue (the sum of net interest income and net fee and commission income), IBPT (income before provisioning and taxes), and RIBPT (recurring income before provisioning and taxes), which better reflect their business model. The lowest score of 1 of 7 reflects very low relative ranking versus peers on these metrics, severe seasonality, annual-only financials, and the absence of growth momentum of any key financials. --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://docs.praa.ms/return-factors/growth.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.