Also trades as: 0HIN.L (LSE) · $vol 0M

$286.30

-0.85 (-0.30%)

Weekly Expected Move ±2.9%

$268 $277 $285 $293 $301

NYSE · Financial Services · Insurance - Property & Casualty · Tech Score Strong Buy · Power 72 · $14.1B mcap · 49M float · 0.759% daily turnover · Short 70% of daily vol

Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: $134.6M held by 165 funds, 97 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.

Revenue Segmentation

By Product / Service

By Geography

Revenue by Segment (5-Year Trend)

Income Trends

Revenue

$12.8B +7.9% ▲

5Y CAGR: +5.9%

Gross Profit

$9.9B +8.5% ▲

5Y CAGR: +22.0%

Operating Income

$1.1B +17.3% ▲

5Y CAGR: +13.5%

Net Income

$873M +14.8% ▲

5Y CAGR: +14.6%

EPS (Diluted)

$17.39 +20.3% ▲

5Y CAGR: +21.0%

EBITDA

$1.4B +15.1% ▲

5Y CAGR: +11.9%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$10.2B	$10.2B	$11.1B	$11.9B	$12.8B
YoY Growth	+6.0%	+0.1%	+9.2%	+6.7%	+7.9%
Cost of Revenue	$6.0B	$2.4B	$2.5B	$2.8B	$2.9B
Gross Profit	$4.1B	$7.8B	$8.6B	$9.1B	$9.9B
Gross Margin	40.7%	76.8%	77.3%	76.7%	77.2%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$0	$0	$0	$0	$0
Operating Expenses	$3.4B	$7.5B	$7.8B	$8.2B	$8.8B
Operating Income	$771M	$350M	$807M	$927M	$1.1B
Operating Margin	7.6%	3.4%	7.2%	7.8%	8.5%
Interest Expense	$112M	$108M	$108M	$107M	$110M
Income Before Tax	$771M	$350M	$807M	$927M	$1.1B
Tax Expense	$168M	$73M	$164M	$167M	$215M
Net Income	$1.4B	$277M	$642M	$760M	$873M
Net Margin	13.4%	2.7%	5.8%	6.4%	6.8%
EPS (Diluted)	$10.20	$5.05	$11.95	$14.46	$17.39
EBITDA	$1.1B	$640M	$1.1B	$1.3B	$1.4B
Shares Outstanding	60M	55M	54M	53M	50M

Line Item	FY2024 Q3	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2
Revenue	$3.0B	$3.1B	$3.1B	$3.2B	$3.2B	$3.4B	$3.4B	$3.5B
Cost of Revenue	$777M	$670M	$780M	$722M	$710M	$717M	$769M	$748M
Gross Profit	$2.2B	$2.4B	$2.3B	$2.4B	$2.5B	$2.6B	$2.7B	$2.7B
Gross Margin	73.8%	78.4%	74.6%	77.2%	78.0%	78.6%	77.5%	78.3%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$0	$0	$0	$0	$0	$0	$0	$0
Operating Expenses	$2.0B	$2.2B	$2.1B	$2.1B	$2.2B	$2.3B	$2.3B	$2.3B
Operating Income	$152M	$250M	$184M	$289M	$331M	$284M	$336M	$377M
Operating Margin	5.1%	8.1%	6.0%	9.2%	10.2%	8.5%	9.8%	10.9%
Interest Expense	$27M	$27M	$27M	$27M	$28M	$28M	$28M	$28M
Income Before Tax	$152M	$250M	$184M	$289M	$331M	$284M	$336M	$377M
Tax Expense	$18M	$49M	$37M	$54M	$66M	$58M	$62M	$78M
Net Income	$134M	$201M	$147M	$235M	$266M	$225M	$274M	$299M
Net Margin	4.5%	6.5%	4.8%	7.4%	8.2%	6.7%	8.0%	8.6%
EPS (Diluted)	$2.55	$3.87	$2.83	$4.56	$5.17	$4.49	$5.46	$5.99
EBITDA	$237M	$341M	$267M	$375M	$421M	$384M	$430M	$473M
Shares Outstanding	52M	52M	52M	52M	51M	50M	50M	50M

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