$204.02

+3.40 (+1.69%)

Weekly Expected Move ±3.1%

$188 $194 $200 $206 $212

NYSE · Financial Services · Financial - Credit Services · Tech Score Strong Sell · Power 37 · $1.9B mcap · 9M float · 1.30% daily turnover · Short 65% 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.

Income Trends

Revenue

$1.3B -18.9% ▼

5Y CAGR: +20.5%

Gross Profit

$389M +6.8% ▲

5Y CAGR: +14.3%

Operating Income

$256M -0.9% ▼

5Y CAGR: +13.2%

Net Income

$207M +0.1% ▲

5Y CAGR: +13.8%

EPS (Diluted)

$16.62 +1.1% ▲

5Y CAGR: +15.0%

EBITDA

$256M -0.9% ▼

5Y CAGR: +13.2%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$448M	$755M	$1.4B	$1.6B	$1.3B
YoY Growth	-13.9%	+68.6%	+87.6%	+14.7%	-18.9%
Cost of Revenue	$202M	$447M	$1.1B	$1.3B	$930M
Gross Profit	$246M	$308M	$350M	$364M	$389M
Gross Margin	54.9%	40.8%	24.7%	22.4%	29.5%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$70M	$79M	$94M	$102M	$130M
Operating Expenses	$73M	$83M	$97M	$106M	$133M
Operating Income	$172M	$226M	$253M	$258M	$256M
Operating Margin	38.5%	29.9%	17.9%	15.9%	19.4%
Interest Expense	$204M	$446M	$1.1B	$1.2B	$910M
Income Before Tax	$172M	$226M	$253M	$258M	$256M
Tax Expense	$36M	$48M	$53M	$51M	$48M
Net Income	$136M	$178M	$200M	$207M	$207M
Net Margin	30.4%	23.6%	14.1%	12.8%	15.7%
EPS (Diluted)	$10.27	$13.87	$15.80	$16.44	$16.62
EBITDA	$173M	$226M	$253M	$258M	$256M
Shares Outstanding	11M	11M	11M	11M	11M

Line Item	FY2024 Q3	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2
Revenue	$411M	$404M	$385M	$405M	$421M	$108M	$424M	$450M
Cost of Revenue	$324M	$306M	$292M	$310M	$324M	$3M	$319M	$332M
Gross Profit	$87M	$97M	$93M	$95M	$96M	$105M	$105M	$118M
Gross Margin	21.2%	24.1%	24.1%	23.4%	22.9%	96.9%	24.7%	26.2%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$24M	$28M	$29M	$28M	$29M	$44M	$33M	$12M
Operating Expenses	$25M	$29M	$30M	$29M	$30M	$44M	$33M	$43M
Operating Income	$62M	$68M	$63M	$65M	$67M	$60M	$71M	$75M
Operating Margin	15.1%	16.9%	16.4%	16.2%	15.8%	56.0%	16.9%	16.6%
Interest Expense	$321M	$302M	$290M	$302M	$317M	$187M	$315M	$332M
Income Before Tax	$62M	$68M	$63M	$65M	$67M	$60M	$71M	$82M
Tax Expense	$12M	$12M	$13M	$11M	$12M	$13M	$12M	$15M
Net Income	$50M	$57M	$50M	$55M	$55M	$48M	$59M	$67M
Net Margin	12.1%	14.0%	12.9%	13.5%	13.1%	44.4%	14.0%	14.9%
EPS (Diluted)	$3.86	$4.63	$4.01	$4.48	$4.44	$3.71	$4.75	$5.41
EBITDA	$62M	$68M	$63M	$65M	$67M	$60M	$71M	$82M
Shares Outstanding	11M	11M	11M	11M	11M	13M	13M	11M

AGM NYSE

Income Trends

Profit Margins

Year-over-Year Growth

Sign in to InsiderStreet