$69.84

-0.30 (-0.43%)

Weekly Expected Move ±2.5%

$66 $68 $69 $71 $73

NYSE · Financial Services · Insurance - Specialty · Tech Score Neutral · Power 55 · $3.1B mcap · 41M float · 0.997% daily turnover · Short 61% of daily vol

Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: $73.9M held by 91 funds, 61 bp over Treasuries → 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.

Overview Chart Smart Money Financials Income Statement Cash Flow Balance Sheet Earnings

Analysis Technicals Weather Peers ESG Institutions ETF Exposure Dark Pool Short Interest Supply Chain

Revenue Segmentation

By Product / Service

By Geography

Revenue by Segment (5-Year Trend)

Income Trends

Revenue

$788M -3.2% ▼

5Y CAGR: -6.2%

Gross Profit

$732M -10.7% ▼

5Y CAGR: -3.3%

Operating Income

$662M +35.7% ▲

5Y CAGR: +9.9%

Net Income

$503M +33.8% ▲

5Y CAGR: +6.8%

EPS (Diluted)

$10.18 +48.2% ▲

5Y CAGR: +19.4%

EBITDA

$751M +29.7% ▲

5Y CAGR: +8.6%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$698M	$684M	$1.0B	$814M	$788M
YoY Growth	-17.6%	-0.4%	+17.9%	-14.3%	-3.2%
Cost of Revenue	-$206M	$30M	$175M	-$6M	$56M
Gross Profit	$904M	$654M	$840M	$820M	$732M
Gross Margin	129.5%	95.6%	82.8%	100.7%	92.9%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$230M	$258M	$251M	$202M	$0
Operating Expenses	$427M	$506M	$172M	$332M	$70M
Operating Income	$477M	$148M	$668M	$488M	$662M
Operating Margin	68.3%	21.6%	65.8%	60.0%	84.0%
Interest Expense	$87M	$81M	$90M	$91M	$89M
Income Before Tax	$477M	$148M	$668M	$488M	$662M
Tax Expense	$58M	$11M	-$93M	$96M	$119M
Net Income	$389M	$124M	$739M	$376M	$503M
Net Margin	55.7%	18.1%	72.8%	46.2%	63.8%
EPS (Diluted)	$5.24	$1.92	$12.30	$6.87	$10.18
EBITDA	$564M	$229M	$758M	$579M	$751M
Shares Outstanding	74M	64M	60M	54M	49M

Line Item	FY2024 Q3	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2
Revenue	$252M	$152M	$325M	$278M	$199M	$213M	$261M	$197M
Cost of Revenue	-$46M	$34M	$45M	$33M	-$24M	$18M	$24M	$4M
Gross Profit	$298M	$118M	$280M	$245M	$223M	$195M	$237M	$193M
Gross Margin	118.3%	77.6%	86.2%	88.1%	112.1%	91.5%	90.8%	98.0%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$47M	$49M	$60M	$50M	$50M	$0	$108M	$0
Operating Expenses	$78M	$88M	$51M	$112M	$88M	$30M	$203M	$144M
Operating Income	$220M	$30M	$229M	$133M	$135M	$165M	$34M	$49M
Operating Margin	87.3%	19.7%	70.5%	47.8%	67.8%	77.5%	13.0%	24.9%
Interest Expense	$22M	$23M	$22M	$23M	$22M	$22M	$22M	$22M
Income Before Tax	$220M	$30M	$229M	$133M	$135M	$165M	$65M	$49M
Tax Expense	$44M	$8M	$44M	$27M	$21M	$27M	-$20M	$9M
Net Income	$171M	$18M	$176M	$103M	$105M	$119M	$88M	$39M
Net Margin	67.9%	11.8%	54.2%	37.1%	52.8%	55.9%	33.7%	19.8%
EPS (Diluted)	$3.17	$0.35	$3.44	$2.08	$2.11	$2.41	$1.91	$0.87
EBITDA	$242M	$53M	$251M	$156M	$157M	$187M	$34M	$71M
Shares Outstanding	53M	52M	51M	49M	49M	49M	45M	45M

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