$72.68

+3.19 (+4.59%)

Weekly Expected Move ±8.7%

$58 $64 $70 $76 $82

NASDAQ · Financial Services · Financial - Credit Services · Tech Score Neutral · Power 48 · $21.6B mcap · 284M float · 1.47% daily turnover · Short 48% of daily vol

Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: $83.4M held by 47 funds → details ▾

Not rated: lending and leverage are a financial company's business, which the model misreads.
Bond figures are fund-reported marks (SEC N-PORT) as of Jul 2026. How these are computed.

Revenue Segmentation

By Product / Service

By Geography

Revenue by Segment (5-Year Trend)

Income Trends

Revenue

$3.9B +22.5% ▲

5Y CAGR: +35.3%

Gross Profit

$2.7B +25.4% ▲

5Y CAGR: +37.9%

Operating Income

$871M +1097.9% ▲

Net Income

$1.9B +3597.9% ▲

EPS (Diluted)

$5.53 +3586.7% ▲

EBITDA

$1.2B +75.5% ▲

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2022	FY2023	FY2024	FY2025	FY2026
Revenue	$1.3B	$1.6B	$2.3B	$3.2B	$3.9B
YoY Growth	+55.0%	+17.7%	+46.3%	+38.8%	+22.5%
Cost of Revenue	$576M	$873M	$845M	$1.0B	$1.2B
Gross Profit	$773M	$715M	$1.5B	$2.2B	$2.7B
Gross Margin	57.3%	45.0%	63.6%	67.5%	69.1%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$1.1B	$1.2B	$1.1B	$980M	$921M
Operating Expenses	$1.6B	$1.9B	$2.1B	$2.3B	$1.9B
Operating Income	-$866M	-$1.2B	-$616M	-$87M	$871M
Operating Margin	-64.2%	-75.6%	-26.5%	-2.7%	22.1%
Interest Expense	$70M	$183M	$344M	$425M	$454M
Income Before Tax	-$725M	-$989M	-$516M	$61M	$493M
Tax Expense	-$17M	-$4M	$2M	$9M	-$1.4B
Net Income	-$707M	-$985M	-$518M	$52M	$1.9B
Net Margin	-52.4%	-62.1%	-22.3%	1.6%	48.9%
EPS (Diluted)	$-2.51	$-3.34	$-1.67	$0.15	$5.53
EBITDA	-$602M	-$672M	-$2M	$712M	$1.2B
Shares Outstanding	282M	295M	310M	341M	349M

Line Item	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2	FY2026 Q3	FY2026 Q4
Revenue	$698M	$866M	$783M	$876M	$933M	$1.1B	$1.0B	$1.1B
Cost of Revenue	$229M	$264M	$271M	$283M	$302M	$343M	$354M	$334M
Gross Profit	$469M	$602M	$512M	$593M	$631M	$780M	$685M	$756M
Gross Margin	67.2%	69.5%	65.4%	67.7%	67.7%	69.4%	65.9%	69.4%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$284M	$275M	$208M	$212M	$223M	$240M	$218M	$239M
Operating Expenses	$602M	$607M	$521M	$535M	$568M	$662M	$483M	$491M
Operating Income	-$133M	-$4M	-$8M	$58M	$64M	$118M	$202M	$265M
Operating Margin	-19.0%	-0.5%	-1.1%	6.6%	6.8%	10.5%	19.5%	24.3%
Interest Expense	$104M	$108M	$108M	$106M	$110M	$112M	$114M	$119M
Income Before Tax	-$98M	$83M	$5M	$72M	$83M	$133M	$107M	$169M
Tax Expense	$2M	$2M	$3M	$2M	$2M	$4M	$4M	-$1.4B
Net Income	-$100M	$80M	$3M	$69M	$81M	$130M	$103M	$1.6B
Net Margin	-14.3%	9.3%	0.4%	7.9%	8.6%	11.5%	9.9%	148.4%
EPS (Diluted)	$-0.31	$0.23	$0.01	$0.20	$0.23	$0.37	$0.30	$4.62
EBITDA	$53M	$246M	$172M	$241M	$258M	$321M	$296M	$375M
Shares Outstanding	318M	345M	344M	343M	348M	349M	348M	350M

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