$69.32

-1.16 (-1.65%)

Pre-Market: $70.11 (+0.79, +1.13%)

Weekly Expected Move ±2.5%

$67 $69 $70 $72 $74

NASDAQ · Financial Services · Banks - Regional · Tech Score Buy · Power 62 · $2.5B mcap · 36M float · 0.908% daily turnover · Short 68% 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

$819M -0.9% ▼

5Y CAGR: +5.2%

Gross Profit

$648M +8.8% ▲

5Y CAGR: +4.1%

Operating Income

$241M +15.2% ▲

5Y CAGR: +11.1%

Net Income

$195M +15.7% ▲

5Y CAGR: +11.0%

EPS (Diluted)

$5.64 +15.6% ▲

5Y CAGR: +11.6%

EBITDA

$253M +9.7% ▲

5Y CAGR: +8.5%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$631M	$643M	$742M	$827M	$819M
YoY Growth	-0.9%	+2.0%	+15.3%	+11.5%	-0.9%
Cost of Revenue	-$10M	$30M	$136M	$232M	$172M
Gross Profit	$641M	$613M	$605M	$595M	$648M
Gross Margin	101.6%	95.4%	81.6%	72.0%	79.0%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$256M	$253M	$260M	$267M	$343M
Operating Expenses	$394M	$373M	$378M	$386M	$406M
Operating Income	$247M	$241M	$227M	$209M	$241M
Operating Margin	39.1%	37.4%	30.6%	25.3%	29.5%
Interest Expense	$24M	$19M	$126M	$224M	$217M
Income Before Tax	$247M	$241M	$227M	$209M	$239M
Tax Expense	$46M	$45M	$43M	$41M	$44M
Net Income	$201M	$195M	$184M	$169M	$195M
Net Margin	31.9%	30.4%	24.8%	20.4%	23.8%
EPS (Diluted)	$5.76	$5.67	$5.33	$4.88	$5.64
EBITDA	$271M	$263M	$249M	$230M	$253M
Shares Outstanding	35M	34M	34M	35M	34M

Line Item	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2	FY2026 Q3
Revenue	$215M	$211M	$218M	$171M	$220M	$217M	$59M	$230M
Cost of Revenue	$59M	$56M	$61M	$3M	$53M	$47M	$47M	$56M
Gross Profit	$156M	$155M	$157M	$168M	$168M	$170M	$12M	$174M
Gross Margin	72.6%	73.4%	72.2%	98.4%	76.1%	78.4%	20.7%	75.9%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$67M	$68M	$67M	$102M	$106M	$78M	$80M	$88M
Operating Expenses	$98M	$99M	$101M	$102M	$104M	$102M	$80M	$116M
Operating Income	$58M	$56M	$56M	$66M	$64M	$68M	-$68M	$59M
Operating Margin	27.0%	26.5%	25.7%	38.7%	28.8%	31.1%	-114.3%	25.6%
Interest Expense	$56M	$53M	$56M	$56M	$53M	$48M	$49M	$53M
Income Before Tax	$58M	$56M	$56M	$66M	$61M	$68M	$60M	$59M
Tax Expense	$12M	$11M	$11M	$13M	$10M	$13M	$11M	$11M
Net Income	$46M	$45M	$45M	$54M	$51M	$55M	$49M	$48M
Net Margin	21.6%	21.4%	20.9%	31.3%	23.3%	25.2%	82.8%	20.7%
EPS (Diluted)	$1.34	$1.30	$1.31	$1.54	$1.49	$1.60	$1.43	$1.36
EBITDA	$63M	$61M	$61M	$68M	$64M	$71M	-$64M	$59M
Shares Outstanding	35M	35M	35M	35M	34M	34M	34M	35M

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