$19.64

-0.04 (-0.20%)

Weekly Expected Move ±2.9%

$19 $19 $20 $20 $21

NASDAQ · Financial Services · Asset Management · Tech Score Sell · Power 45 · $190.2M mcap · 10M float · 0.353% daily turnover · Short 63% 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

$17M -41.1% ▼

5Y CAGR: +0.8%

Gross Profit

$13M -54.9% ▼

5Y CAGR: -4.4%

Operating Income

$22M -6.8% ▼

5Y CAGR: +13.1%

Net Income

$18M +6.8% ▲

5Y CAGR: +18.1%

EPS (Diluted)

$2.29 -2.6% ▼

5Y CAGR: +14.2%

EBITDA

$22M -7.1% ▼

5Y CAGR: +13.1%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$17M	$22M	$29M	$29M	$17M
YoY Growth	+4.3%	+24.0%	+33.2%	+2.7%	-41.1%
Cost of Revenue	$0	$0	$0	$0	$4M
Gross Profit	$17M	$22M	$29M	$29M	$13M
Gross Margin	100.0%	100.0%	100.0%	100.0%	76.4%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$5M	$6M	$6M	$6M	$0
Operating Expenses	$5M	$6M	$6M	$6M	-$9M
Operating Income	$12M	$16M	$23M	$23M	$22M
Operating Margin	70.5%	72.9%	79.0%	79.7%	126.0%
Interest Expense	$1M	$2M	$4M	$4M	$4M
Income Before Tax	$13M	$6M	$21M	$17M	$18M
Tax Expense	$0	$247K	$360K	$500K	$0
Net Income	$13M	$5M	$20M	$17M	$18M
Net Margin	72.8%	24.9%	70.6%	56.8%	103.0%
EPS (Diluted)	$1.88	$0.75	$2.84	$2.35	$2.29
EBITDA	$12M	$16M	$23M	$23M	$22M
Shares Outstanding	7M	7M	7M	7M	8M

Line Item	FY2022 Q4	FY2023 Q2	FY2023 Q4	FY2024 Q2	FY2024 Q4	FY2025 Q2	FY2025 Q4	FY2026 Q2
Revenue	$12M	$14M	$15M	$15M	$15M	$6M	$12M	$12M
Cost of Revenue	$0	$0	$0	$0	$0	$2M	$2M	$2M
Gross Profit	$12M	$14M	$15M	$15M	$15M	$0	$10M	$10M
Gross Margin	100.0%	100.0%	100.0%	100.0%	100.0%	0.0%	83.0%	84.4%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$3M	$3M	$3M	$3M	$3M	$0	$0	$0
Operating Expenses	$3M	$3M	$3M	$3M	$3M	$0	$231K	$3M
Operating Income	$9M	$11M	$12M	$12M	$12M	$13M	$9M	$7M
Operating Margin	74.4%	77.7%	80.2%	80.6%	78.8%	214.7%	81.0%	61.3%
Interest Expense	$0	$0	$4M	$2M	$2M	$0	$2M	$1M
Income Before Tax	$5M	$9M	$12M	$7M	$10M	$10M	$8M	$6M
Tax Expense	$247K	$0	$360K	$0	$500K	$0	$0	$0
Net Income	$5M	$9M	$11M	$7M	$9M	$10M	$8M	$6M
Net Margin	44.2%	67.2%	73.6%	50.4%	63.3%	175.7%	66.1%	50.0%
EPS (Diluted)	$0.74	$1.28	$2.84	$1.05	$1.30	$1.44	$0.97	$0.60
EBITDA	$9M	$10M	$12M	$12M	$11M	$13M	$9M	$7M
Shares Outstanding	7M	7M	7M	7M	7M	7M	8M	10M

BANX NASDAQ

Income Trends

Profit Margins

Year-over-Year Growth

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