$34.29

+0.15 (+0.44%)

After Hours: $36.08 (+1.79, +5.21%)

Weekly Expected Move ±0.5%

$34 $34 $34 $34 $34

NYSE · Financial Services · Insurance - Property & Casualty · Tech Score Strong Buy · Power 63 · $1.1B mcap · 30M float · 0.987% daily turnover · Short 52% 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

$552M +29.6% ▲

3Y CAGR: +43.3%

Gross Profit

$222M +52.7% ▲

3Y CAGR: +54.0%

Operating Income

$67M +33.2% ▲

3Y CAGR: +66.2%

Net Income

$54M +40.6% ▲

3Y CAGR: +68.4%

EPS (Diluted)

$1.59 +23.3% ▲

3Y CAGR: +64.1%

EBITDA

$69M +25.8% ▲

3Y CAGR: +65.2%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2022	FY2023	FY2024	FY2025
Revenue	$188M	$283M	$426M	$552M
YoY Growth	+0.0%	+51.0%	+50.2%	+29.6%
Cost of Revenue	$127M	$187M	$280M	$328M
Gross Profit	$61M	$96M	$145M	$222M
Gross Margin	32.3%	33.9%	34.1%	40.2%
R&D Expenses	$0	$0	$0	$0
SG&A Expenses	$0	$0	$0	$0
Operating Expenses	$46M	$64M	$95M	$154M
Operating Income	$15M	$32M	$51M	$67M
Operating Margin	7.8%	11.3%	11.9%	12.2%
Interest Expense	$0	$0	$725K	$2M
Income Before Tax	$15M	$32M	$51M	$67M
Tax Expense	$3M	$7M	$12M	$14M
Net Income	$11M	$25M	$38M	$54M
Net Margin	6.0%	8.8%	9.0%	9.8%
EPS (Diluted)	$0.36	$0.79	$1.29	$1.59
EBITDA	$15M	$34M	$55M	$69M
Shares Outstanding	32M	32M	30M	34M

Line Item	FY2024 Q3	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2
Revenue	$117M	$119M	$123M	$133M	$144M	$152M	$155M	$164M
Cost of Revenue	$77M	$76M	$83M	$90M	$97M	$104M	$91M	$97M
Gross Profit	$40M	$43M	$40M	$43M	$47M	$47M	$63M	$67M
Gross Margin	34.0%	36.3%	32.2%	32.5%	32.5%	31.3%	40.9%	40.8%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$0	$0	$0	$0	$0	$0	$0	$0
Operating Expenses	$24M	$25M	$25M	$27M	$28M	$30M	$43M	$46M
Operating Income	$16M	$18M	$14M	$16M	$19M	$18M	$21M	$21M
Operating Margin	13.6%	15.3%	11.8%	12.0%	13.3%	11.7%	13.3%	12.6%
Interest Expense	$252K	$248K	$247K	$261K	$262K	$1M	$0	$3M
Income Before Tax	$16M	$18M	$14M	$16M	$19M	$18M	$21M	$21M
Tax Expense	$4M	$5M	$3M	$4M	$4M	$3M	$5M	$5M
Net Income	$12M	$14M	$11M	$12M	$15M	$15M	$16M	$16M
Net Margin	10.4%	11.4%	9.3%	9.3%	10.5%	9.8%	10.3%	9.8%
EPS (Diluted)	$0.36	$0.41	$0.34	$0.36	$0.45	$0.44	$0.48	$0.48
EBITDA	$17M	$20M	$15M	$17M	$20M	$20M	$24M	$25M
Shares Outstanding	33M	34M	34M	34M	34M	34M	33M	34M

BOW NYSE

Income Trends

Profit Margins

Year-over-Year Growth

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