$148.73

-0.01 (-0.01%)

After Hours: $148.70 (-0.03, -0.02%)

Weekly Expected Move ±3.4%

$137 $142 $147 $152 $157

NASDAQ · Financial Services · Banks - Regional · Tech Score Neutral · Power 51 · $1.6B mcap · 10M float · 0.824% daily turnover · Short 64% 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

$240M +7.7% ▲

5Y CAGR: +15.5%

Gross Profit

$169M +8.8% ▲

5Y CAGR: +12.0%

Operating Income

$88M +10.9% ▲

5Y CAGR: +12.1%

Net Income

$71M +9.0% ▲

5Y CAGR: +13.4%

EPS (Diluted)

$7.23 +11.2% ▲

5Y CAGR: +7.4%

EBITDA

$94M +7.1% ▲

5Y CAGR: +12.1%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$117M	$131M	$186M	$223M	$240M
YoY Growth	-0.2%	+12.0%	+42.6%	+19.7%	+7.7%
Cost of Revenue	$11M	$15M	$54M	$68M	$71M
Gross Profit	$105M	$116M	$133M	$155M	$169M
Gross Margin	90.2%	88.8%	71.2%	69.6%	70.3%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$29M	$35M	$43M	$43M	$56M
Operating Expenses	$45M	$56M	$34M	$76M	$81M
Operating Income	$60M	$60M	$99M	$80M	$88M
Operating Margin	51.3%	45.6%	53.0%	35.6%	36.7%
Interest Expense	$8M	$12M	$49M	$69M	$70M
Income Before Tax	$60M	$60M	$99M	$80M	$88M
Tax Expense	$15M	$14M	$24M	$14M	$17M
Net Income	$45M	$45M	$75M	$66M	$71M
Net Margin	38.9%	34.6%	40.0%	29.4%	29.7%
EPS (Diluted)	$5.90	$5.56	$7.26	$6.50	$7.23
EBITDA	$63M	$64M	$107M	$88M	$94M
Shares Outstanding	8M	8M	10M	10M	10M

Line Item	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2	FY2026 Q3
Revenue	$58M	$60M	$59M	$60M	$61M	$84M	$86M	$86M
Cost of Revenue	$17M	$19M	$18M	$18M	$16M	$20M	$21M	$22M
Gross Profit	$41M	$42M	$40M	$42M	$45M	$64M	$65M	$65M
Gross Margin	70.5%	68.7%	69.1%	70.3%	73.2%	75.8%	75.9%	75.0%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$12M	$12M	$11M	$11M	$22M	$24M	$19M	$18M
Operating Expenses	$19M	$19M	$20M	$20M	$22M	$39M	$34M	$35M
Operating Income	$22M	$22M	$21M	$22M	$23M	$25M	$31M	$30M
Operating Margin	37.3%	36.6%	35.3%	37.4%	37.3%	29.3%	35.7%	34.7%
Interest Expense	$18M	$19M	$18M	$17M	$16M	$20M	$21M	$21M
Income Before Tax	$22M	$22M	$21M	$22M	$23M	$25M	$31M	$30M
Tax Expense	$4M	$4M	$4M	$4M	$5M	$5M	$6M	$6M
Net Income	$18M	$18M	$17M	$18M	$18M	$20M	$25M	$24M
Net Margin	30.0%	30.2%	28.8%	29.9%	30.0%	23.7%	28.8%	27.7%
EPS (Diluted)	$1.74	$1.82	$1.71	$1.83	$1.87	$1.78	$2.21	$2.15
EBITDA	$24M	$24M	$23M	$24M	$25M	$28M	$31M	$30M
Shares Outstanding	10M	10M	10M	10M	10M	11M	11M	11M

BFC NASDAQ

Income Trends

Profit Margins

Year-over-Year Growth

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