$65.29

+0.30 (+0.46%)

After Hours: $58.40 (-6.90, -10.56%)

Weekly Expected Move ±2.2%

$63 $64 $65 $67 $68

NASDAQ · Financial Services · Banks - Regional · Tech Score Buy · Power 72 · $660.9M mcap · 10M float · 0.737% daily turnover · Short 67% of daily vol

Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: none of note held by US funds details ▾

Not rated: lending and leverage are a financial company's business, which the model misreads.
US fund filings (SEC N-PORT) show under $25M of this company's bonds, so there is no bond page. Its debt may be bank loans or privately placed. How these are computed.

Revenue Segmentation

By Product / Service

Revenue by Segment (5-Year Trend)

Income Trends

Revenue

$170M +28.9% ▲

5Y CAGR: +10.1%

Gross Profit

$126M +13.0% ▲

5Y CAGR: +8.4%

Operating Income

$46M +14.9% ▲

5Y CAGR: +15.4%

Net Income

$37M +16.3% ▲

5Y CAGR: +15.0%

EPS (Diluted)

$3.60 -3.5% ▼

5Y CAGR: +11.1%

EBITDA

$53M +22.4% ▲

5Y CAGR: +15.1%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$101M	$108M	$115M	$132M	$170M
YoY Growth	-4.2%	+7.4%	+5.8%	+15.2%	+28.9%
Cost of Revenue	$7M	$4M	$9M	$21M	$45M
Gross Profit	$94M	$105M	$106M	$111M	$126M
Gross Margin	93.1%	96.7%	92.0%	84.0%	73.7%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$38M	$37M	$42M	$44M	$67M
Operating Expenses	$59M	$60M	$66M	$71M	$79M
Operating Income	$35M	$45M	$40M	$40M	$46M
Operating Margin	34.7%	41.5%	34.7%	30.6%	27.3%
Interest Expense	$7M	$4M	$8M	$24M	$40M
Income Before Tax	$35M	$45M	$40M	$40M	$46M
Tax Expense	$7M	$9M	$8M	$9M	$9M
Net Income	$28M	$36M	$32M	$32M	$37M
Net Margin	27.6%	33.0%	27.6%	24.1%	21.7%
EPS (Diluted)	$3.19	$4.15	$3.71	$3.73	$3.60
EBITDA	$38M	$49M	$43M	$43M	$53M
Shares Outstanding	9M	9M	9M	9M	10M

Line Item	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2	FY2026 Q3
Revenue	$33M	$43M	$50M	$51M	$46M	$51M	$53M	$54M
Cost of Revenue	$7M	$15M	$10M	$10M	$11M	$10M	$10M	$11M
Gross Profit	$27M	$29M	$40M	$41M	$35M	$41M	$42M	$43M
Gross Margin	80.2%	66.2%	80.1%	81.1%	77.1%	80.8%	80.7%	79.5%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$10M	$13M	$14M	$14M	$17M	$24M	$18M	$18M
Operating Expenses	$18M	$29M	$25M	$22M	$22M	$24M	$23M	$23M
Operating Income	$8M	-$549K	$15M	$19M	$13M	$17M	$19M	$20M
Operating Margin	24.8%	-1.3%	29.7%	37.2%	28.6%	34.2%	36.7%	36.5%
Interest Expense	$6M	$9M	$11M	$10M	$10M	$10M	$10M	$10M
Income Before Tax	$8M	-$549K	$15M	$19M	$13M	$17M	$19M	$20M
Tax Expense	$2M	-$277K	$3M	$4M	$2M	$4M	$4M	$4M
Net Income	$7M	-$272K	$12M	$15M	$11M	$14M	$15M	$16M
Net Margin	19.9%	-0.6%	23.2%	29.2%	23.5%	27.1%	29.0%	29.1%
EPS (Diluted)	$0.77	$-0.03	$1.11	$1.42	$1.04	$1.32	$1.49	$1.55
EBITDA	$9M	$896K	$17M	$21M	$15M	$18M	$21M	$20M
Shares Outstanding	9M	10M	10M	10M	10M	10M	10M	10M

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