Switch to:
Also traded in: Germany

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash-to-Debt 0.27
HBHC's Cash-to-Debt is ranked lower than
83% of the 1482 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.92 vs. HBHC: 0.27 )
Ranked among companies with meaningful Cash-to-Debt only.
HBHC' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.27  Med: 3.56 Max: No Debt
Current: 0.27
Equity-to-Asset 0.11
HBHC's Equity-to-Asset is ranked higher than
60% of the 1484 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. HBHC: 0.11 )
Ranked among companies with meaningful Equity-to-Asset only.
HBHC' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.11 Max: 0.13
Current: 0.11
0.08
0.13
Interest Coverage 2.56
HBHC's Interest Coverage is ranked higher than
62% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.67 vs. HBHC: 2.56 )
Ranked among companies with meaningful Interest Coverage only.
HBHC' s Interest Coverage Range Over the Past 10 Years
Min: 0.69  Med: 1.95 Max: 6.35
Current: 2.56
0.69
6.35
Beneish M-Score: -2.48
WACC vs ROIC
7.80%
4.15%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating Margin % 20.54
HBHC's Operating Margin % is ranked lower than
73% of the 1497 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.60 vs. HBHC: 20.54 )
Ranked among companies with meaningful Operating Margin % only.
HBHC' s Operating Margin % Range Over the Past 10 Years
Min: 13.03  Med: 21.92 Max: 31.45
Current: 20.54
13.03
31.45
Net Margin % 16.41
HBHC's Net Margin % is ranked lower than
68% of the 1496 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.84 vs. HBHC: 16.41 )
Ranked among companies with meaningful Net Margin % only.
HBHC' s Net Margin % Range Over the Past 10 Years
Min: 10.55  Med: 17.02 Max: 22.82
Current: 16.41
10.55
22.82
ROE % 5.82
HBHC's ROE % is ranked lower than
68% of the 1495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.26 vs. HBHC: 5.82 )
Ranked among companies with meaningful ROE % only.
HBHC' s ROE % Range Over the Past 10 Years
Min: 4.71  Med: 6.44 Max: 13.28
Current: 5.82
4.71
13.28
ROA % 0.64
HBHC's ROA % is ranked lower than
64% of the 1504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. HBHC: 0.64 )
Ranked among companies with meaningful ROA % only.
HBHC' s ROA % Range Over the Past 10 Years
Min: 0.55  Med: 0.81 Max: 1.23
Current: 0.64
0.55
1.23
3-Year Revenue Growth Rate 1.60
HBHC's 3-Year Revenue Growth Rate is ranked lower than
62% of the 1300 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.80 vs. HBHC: 1.60 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
HBHC' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -1.3  Med: 6.7 Max: 11.3
Current: 1.6
-1.3
11.3
3-Year EBITDA Growth Rate -3.30
HBHC's 3-Year EBITDA Growth Rate is ranked lower than
77% of the 1210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.10 vs. HBHC: -3.30 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
HBHC' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -16.5  Med: 6.1 Max: 21
Current: -3.3
-16.5
21
3-Year EPS without NRI Growth Rate -1.00
HBHC's 3-Year EPS without NRI Growth Rate is ranked lower than
73% of the 1174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. HBHC: -1.00 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
HBHC' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -17.4  Med: 6.7 Max: 23
Current: -1
-17.4
23
GuruFocus has detected 4 Warning Signs with Hancock Holding Co $HBHC.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» HBHC's 10-Y Financials

Financials (Next Earnings Date: 2017-04-17 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

HBHC Guru Trades in Q1 2016

David Dreman 428,149 sh (New)
Arnold Schneider 50,270 sh (+13.32%)
Joel Greenblatt Sold Out
Paul Tudor Jones Sold Out
Ken Fisher 499,584 sh (-1.49%)
RS Investment Management 1,078,560 sh (-4.87%)
» More
Q2 2016

HBHC Guru Trades in Q2 2016

Ken Fisher 522,612 sh (+4.61%)
Arnold Schneider 46,477 sh (-7.55%)
RS Investment Management 837,213 sh (-22.38%)
David Dreman 455 sh (-99.89%)
» More
Q3 2016

HBHC Guru Trades in Q3 2016

Paul Tudor Jones 27,807 sh (New)
David Dreman 455 sh (unchged)
Ken Fisher 516,249 sh (-1.22%)
Arnold Schneider 41,247 sh (-11.25%)
» More
Q4 2016

HBHC Guru Trades in Q4 2016

Leon Cooperman 30,000 sh (New)
Paul Tudor Jones 149,052 sh (+436.02%)
David Dreman 455 sh (unchged)
Arnold Schneider Sold Out
Ken Fisher 501,215 sh (-2.91%)
» More
» Details

Insider Trades

Latest Guru Trades with HBHC

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NYSE:BKU, NAS:UMPQ, NAS:HOMB, NAS:UMBF, NAS:IBKC, NAS:FMER, NAS:WTFC, NYSE:ASB, NAS:TCBI, NAS:CHFC, NAS:BPOP, OTCPK:FCNCB, NAS:MBFI, NYSE:BOH, NAS:FHB, NAS:UBSI, NYSE:FHN, NYSE:STL, NAS:PNFP, NAS:PVTB » details
Traded in other countries:HH1.Germany,
Hancock Holding Company is a parent company of two wholly-owned bank subsidiaries, Hancock Bank and Whitney Bank. It offers various banking services through its subsidiaries.

Hancock Holding Company was organized in 1984 as a bank holding company registered under the Bank Holding Company Act of 1956. The Company is the parent company of two wholly-owned bank subsidiaries, Hancock Bank, headquartered in Gulfport, Mississippi and Whitney Bank, headquartered in New Orleans, Louisiana. The Company is community oriented and offers commercial, consumer and mortgage loans and deposit services to individuals and small to middle market businesses in their respective market areas. It also offers other services through several non-bank subsidiaries. Hancock Investment Services, Inc. provides discount investment brokerage services. Hancock Insurance Agency and Whitney Insurance Agency provide general insurance agency services. Harrison Finance Company provides consumer financing services. The Company's main operating segments consist of the Hancock segment, which coincides generally with the Company's Hancock Bank subsidiary, and the Whitney segment, which coincides generally with its Whitney Bank subsidiary. Each Bank segment offers commercial, consumer and mortgage loans and deposit services, as well as certain other services, such as trust and treasury management services. Although the Bank segments offer the same products and services, they are managed separately due to different pricing, product demand, and consumer markets. The Company offers various commercial loan services to a diversified customer base, including energy, wholesale and retail trade in various durable and nondurable products, manufacturing of such products, marine transportation and maritime construction, financial and professional services, and agricultural production. The Company through their respective trust departments, offer various trust services on a fee basis. In their trust capacities, the Company provides investment management services on an agency basis and act as trustee for pension plans, profit sharing plans, corporate and municipal bond issues, living trusts, life insurance trusts and various other types of trusts created by or for individuals, businesses, charitable and religious organizations. The Company competes with other commercial banks, savings associations, credit unions, mortgage banking firms, consumer finance companies, securities brokerage firms, mutual funds and insurance companies, and other financial institutions. The Company is subject to extensive regulation by the Board of Governors of the Federal Reserve System pursuant to the Bank Holding Company Act of 1956.

Ratios

vs
industry
vs
history
PE Ratio 23.26
HBHC's PE Ratio is ranked lower than
85% of the 1638 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.36 vs. HBHC: 23.26 )
Ranked among companies with meaningful PE Ratio only.
HBHC' s PE Ratio Range Over the Past 10 Years
Min: 11.36  Med: 18.31 Max: 36.87
Current: 23.26
11.36
36.87
Forward PE Ratio 16.72
HBHC's Forward PE Ratio is ranked lower than
71% of the 407 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.26 vs. HBHC: 16.72 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 23.26
HBHC's PE Ratio without NRI is ranked lower than
84% of the 1595 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.62 vs. HBHC: 23.26 )
Ranked among companies with meaningful PE Ratio without NRI only.
HBHC' s PE Ratio without NRI Range Over the Past 10 Years
Min: 11.36  Med: 18.31 Max: 36.87
Current: 23.26
11.36
36.87
Price-to-Owner-Earnings 19.07
HBHC's Price-to-Owner-Earnings is ranked lower than
72% of the 860 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.74 vs. HBHC: 19.07 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
HBHC' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 5.57  Med: 27.89 Max: 894
Current: 19.07
5.57
894
PB Ratio 1.24
HBHC's PB Ratio is ranked lower than
61% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. HBHC: 1.24 )
Ranked among companies with meaningful PB Ratio only.
HBHC' s PB Ratio Range Over the Past 10 Years
Min: 0.7  Med: 1.24 Max: 3.7
Current: 1.24
0.7
3.7
PS Ratio 3.72
HBHC's PS Ratio is ranked lower than
63% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 vs. HBHC: 3.72 )
Ranked among companies with meaningful PS Ratio only.
HBHC' s PS Ratio Range Over the Past 10 Years
Min: 1.99  Med: 3.02 Max: 5.96
Current: 3.72
1.99
5.96
Price-to-Free-Cash-Flow 10.52
HBHC's Price-to-Free-Cash-Flow is ranked higher than
56% of the 854 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.08 vs. HBHC: 10.52 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
HBHC' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 4.25  Med: 9.53 Max: 14220
Current: 10.52
4.25
14220
Price-to-Operating-Cash-Flow 9.92
HBHC's Price-to-Operating-Cash-Flow is ranked higher than
53% of the 920 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.36 vs. HBHC: 9.92 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
HBHC' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 3.53  Med: 9.31 Max: 119.85
Current: 9.92
3.53
119.85
EV-to-EBIT 26.18
HBHC's EV-to-EBIT is ranked lower than
82% of the 1204 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.59 vs. HBHC: 26.18 )
Ranked among companies with meaningful EV-to-EBIT only.
HBHC' s EV-to-EBIT Range Over the Past 10 Years
Min: 1.7  Med: 11.95 Max: 31.6
Current: 26.18
1.7
31.6
EV-to-EBITDA 20.82
HBHC's EV-to-EBITDA is ranked lower than
79% of the 1219 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.36 vs. HBHC: 20.82 )
Ranked among companies with meaningful EV-to-EBITDA only.
HBHC' s EV-to-EBITDA Range Over the Past 10 Years
Min: 1.4  Med: 10 Max: 23.2
Current: 20.82
1.4
23.2
PEG Ratio 4.48
HBHC's PEG Ratio is ranked lower than
86% of the 767 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 vs. HBHC: 4.48 )
Ranked among companies with meaningful PEG Ratio only.
HBHC' s PEG Ratio Range Over the Past 10 Years
Min: 1.07  Med: 2.7 Max: 30.91
Current: 4.48
1.07
30.91
Shiller PE Ratio 22.01
HBHC's Shiller PE Ratio is ranked lower than
57% of the 488 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.69 vs. HBHC: 22.01 )
Ranked among companies with meaningful Shiller PE Ratio only.
HBHC' s Shiller PE Ratio Range Over the Past 10 Years
Min: 10.35  Med: 15.66 Max: 29.29
Current: 22.01
10.35
29.29

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.21
HBHC's Dividend Yield % is ranked lower than
65% of the 2308 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. HBHC: 2.21 )
Ranked among companies with meaningful Dividend Yield % only.
HBHC' s Dividend Yield % Range Over the Past 10 Years
Min: 1.37  Med: 2.85 Max: 4.4
Current: 2.21
1.37
4.4
Dividend Payout Ratio 0.51
HBHC's Dividend Payout Ratio is ranked higher than
64% of the 1308 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. HBHC: 0.51 )
Ranked among companies with meaningful Dividend Payout Ratio only.
HBHC' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.42  Med: 0.51 Max: 0.84
Current: 0.51
0.42
0.84
Forward Dividend Yield % 2.21
HBHC's Forward Dividend Yield % is ranked lower than
68% of the 2276 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.87 vs. HBHC: 2.21 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 2.21
HBHC's 5-Year Yield-on-Cost % is ranked lower than
70% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. HBHC: 2.21 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
HBHC' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.37  Med: 2.85 Max: 4.4
Current: 2.21
1.37
4.4
3-Year Average Share Buyback Ratio 1.80
HBHC's 3-Year Average Share Buyback Ratio is ranked higher than
90% of the 997 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.60 vs. HBHC: 1.80 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
HBHC' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -38.7  Med: -0.3 Max: 3
Current: 1.8
-38.7
3

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.68
HBHC's Price-to-Tangible-Book is ranked lower than
73% of the 1534 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. HBHC: 1.68 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
HBHC' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.16  Med: 1.84 Max: 3.55
Current: 1.68
1.16
3.55
Price-to-Intrinsic-Value-Projected-FCF 0.66
HBHC's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
61% of the 895 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. HBHC: 0.66 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
HBHC' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.42  Med: 0.81 Max: 1.38
Current: 0.66
0.42
1.38
Price-to-Median-PS-Value 1.23
HBHC's Price-to-Median-PS-Value is ranked lower than
65% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. HBHC: 1.23 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
HBHC' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.76  Med: 1.11 Max: 1.78
Current: 1.23
0.76
1.78
Price-to-Graham-Number 1.32
HBHC's Price-to-Graham-Number is ranked lower than
81% of the 1344 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.96 vs. HBHC: 1.32 )
Ranked among companies with meaningful Price-to-Graham-Number only.
HBHC' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.83  Med: 1.33 Max: 1.76
Current: 1.32
0.83
1.76
Earnings Yield (Greenblatt) % 3.82
HBHC's Earnings Yield (Greenblatt) % is ranked lower than
63% of the 1560 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.77 vs. HBHC: 3.82 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
HBHC' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 3.2  Med: 8.35 Max: 59.8
Current: 3.82
3.2
59.8
Forward Rate of Return (Yacktman) % 9.83
HBHC's Forward Rate of Return (Yacktman) % is ranked lower than
57% of the 885 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.32 vs. HBHC: 9.83 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
HBHC' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -7.4  Med: 10.65 Max: 30.6
Current: 9.83
-7.4
30.6

More Statistics

Revenue (TTM) (Mil) $909.9
EPS (TTM) $ 1.87
Beta1.01
Short Percentage of Float2.80%
52-Week Range $20.01 - 49.50
Shares Outstanding (Mil)86.42

Analyst Estimate

Dec17 Dec18
Revenue (Mil $)
EPS ($) 2.60 2.95
EPS without NRI ($) 2.60 2.95
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($) 1.00 1.00
» More Articles for HBHC

Headlines

Articles On GuruFocus.com
5-Year Lows: Consol Energy Inc., QEP Resources Inc., Hancock Holding Co., Patterson-UTI Energy Inc. Sep 27 2015 
Weekly 3-Year Low Highlights: FTI, GLNG, HBHC, GEF Jan 25 2015 
Community Trust Bank Corp. (CTBI) Dividend Stock Analysis Jul 11 2014 
Community Trust Bank Corp. (CTBI) Dividend Stock Analysis Jan 10 2014 
Community Trust Bank Corp. (CTBI) Dividend Stock Analysis Jul 19 2013 
Community Trust Bank Corp. (CTBI) High-Yield Dividend Stock Analysis Jan 18 2013 
Community Trust Bank Corp. (CTBI) High-Yield Dividend Stock Analysis Dec 01 2011 
Hancock Holding Company Reports Operating Results (10-K) Feb 28 2011 
Hancock Holding Company Reports Operating Results (10-Q) Nov 04 2010 
Hancock Holding Company (HBHC) Chairman James B Jr Estabrook buys 3,555 Shares Aug 24 2010 

More From Other Websites
Hancock Holding upgraded by Raymond James Mar 16 2017
Hancock, Whitney Carry On Winning Streak with 18 Greenwich Excellence Awards for 2016 Mar 15 2017
Hancock Holding Co. :HBHC-US: Earnings Analysis: Q4, 2016 By the Numbers : March 14, 2017 Mar 14 2017
The Zacks Analyst Blog Highlights: Hancock Holding, Bank of America, Eagle Bancorp Montana, Peoples... Mar 07 2017
5 Bank Stocks to Buy as Fed Hints at a Rate Hike in March Mar 06 2017
BOKF, NA -- Moody's affirms ratings of seven energy-concentrated US regional banks; six have stable... Mar 02 2017
BOKF, NA -- Moody's affirms ratings of seven energy-concentrated US regional banks; six have stable... Mar 02 2017
HANCOCK HOLDING CO Financials Mar 02 2017
Hancock to Present at Raymond James Institutional Investors Conference Mar 01 2017
HANCOCK HOLDING CO Files SEC form 10-K, Annual Report Feb 24 2017
HANCOCK HOLDING CO Files SEC form 8-K, Change in Directors or Principal Officers Feb 23 2017
PNC Financial to Buy ECN Capital's US C&V to Boost Portfolio Feb 23 2017
Whitney Receives Approval to Close Transaction with First NBC Feb 20 2017
Why Is Hancock (HBHC) Up 5.4% Since the Last Earnings Report? Feb 17 2017
Hancock Holding Company Announces Quarterly Dividend Jan 30 2017
Hancock Holding Co. : HBHC-US: Dividend Analysis : December 05th, 2016 (record date) : By the... Jan 27 2017
3 Reasons Why Hancock Holding (HBHC) is a Great Momentum Stock Jan 24 2017
Post Earnings Coverage as Hancock Holding's Q4 EPS Outshined Estimates Jan 24 2017
Why You Shouldn't Bet Against Hancock (HBHC) Stock Jan 19 2017
Edited Transcript of HBHC earnings conference call or presentation 18-Jan-17 3:00pm GMT Jan 18 2017

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)