Also trades as: CALB (NASDAQ) · $vol 1M

$21.95

-0.02 (-0.09%)

After Hours: $22.38 (+0.43, +1.96%)

Weekly Expected Move ±2.2%

$21 $22 $22 $23 $23

NASDAQ · Financial Services · Banks - Regional · Tech Score Strong Buy · Power 74 · $706.3M mcap · 23M float · 0.964% daily turnover · Short 43% 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

$233M +26.2% ▲

5Y CAGR: +33.9%

Gross Profit

$185M +74.3% ▲

5Y CAGR: +33.4%

Operating Income

$88M +964.5% ▲

5Y CAGR: +67.0%

Net Income

$63M +1060.6% ▲

5Y CAGR: +67.9%

EPS (Diluted)

$1.93 +777.3% ▲

5Y CAGR: +31.5%

EBITDA

$88M +639.2% ▲

5Y CAGR: +60.6%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$72M	$98M	$127M	$185M	$233M
YoY Growth	+32.0%	+37.0%	+29.5%	+45.4%	+26.2%
Cost of Revenue	$5M	$12M	$30M	$79M	$48M
Gross Profit	$67M	$86M	$97M	$106M	$185M
Gross Margin	93.6%	88.0%	76.1%	57.5%	79.4%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$36M	$38M	$40M	$51M	$71M
Operating Expenses	$53M	$64M	$60M	$98M	$97M
Operating Income	$14M	$22M	$37M	$8M	$88M
Operating Margin	19.8%	22.4%	29.0%	4.5%	37.8%
Interest Expense	$3M	$6M	$29M	$57M	$57M
Income Before Tax	$14M	$22M	$37M	$8M	$88M
Tax Expense	$3M	$6M	$11M	$3M	$25M
Net Income	$11M	$16M	$26M	$5M	$63M
Net Margin	15.0%	16.4%	20.4%	2.9%	27.1%
EPS (Diluted)	$0.72	$0.88	$1.39	$0.22	$1.93
EBITDA	$16M	$24M	$39M	$12M	$88M
Shares Outstanding	15M	18M	19M	25M	33M

Line Item	FY2024 Q3	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2
Revenue	$55M	$64M	$59M	$59M	$60M	$59M	$56M	$56M
Cost of Revenue	$40M	$14M	$11M	$14M	$15M	$9M	$11M	$12M
Gross Profit	$15M	$49M	$49M	$45M	$45M	$50M	$45M	$44M
Gross Margin	27.4%	77.7%	81.8%	76.6%	75.5%	85.0%	79.8%	78.2%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$16M	$17M	$16M	$16M	$15M	$17M	$17M	$17M
Operating Expenses	$38M	$26M	$25M	$25M	$23M	$28M	$26M	$24M
Operating Income	-$23M	$23M	$24M	$20M	$22M	$22M	$19M	$20M
Operating Margin	-40.7%	36.6%	39.9%	34.2%	36.4%	37.8%	34.1%	35.2%
Interest Expense	$17M	$18M	$15M	$14M	$15M	$13M	$12M	$12M
Income Before Tax	-$23M	$23M	$24M	$20M	$22M	$22M	$19M	$20M
Tax Expense	-$6M	$6M	$7M	$6M	$6M	$6M	$5M	$6M
Net Income	-$16M	$17M	$17M	$14M	$16M	$16M	$14M	$14M
Net Margin	-29.8%	26.4%	28.4%	24.0%	26.2%	27.8%	24.7%	25.4%
EPS (Diluted)	$-0.59	$0.51	$0.52	$0.43	$0.48	$0.50	$0.42	$0.44
EBITDA	-$21M	$25M	$25M	$21M	$23M	$24M	$20M	$21M
Shares Outstanding	28M	33M	33M	33M	33M	33M	33M	33M

BCAL NASDAQ