$38.68

+0.28 (+0.73%)

After Hours: $40.76 (+2.08, +5.38%)

Weekly Expected Move ±2.4%

$37 $37 $38 $39 $40

NYSE · Financial Services · Banks - Regional · Tech Score Buy · Power 68 · $1.7B mcap · 32M float · 0.885% 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.

Revenue Segmentation

By Product / Service

Revenue by Segment (5-Year Trend)

Income Trends

Revenue

$629M +1.3% ▲

5Y CAGR: +16.5%

Gross Profit

$416M +10.5% ▲

5Y CAGR: +14.4%

Operating Income

$183M +13.6% ▲

5Y CAGR: +28.8%

Net Income

$130M +7.7% ▲

5Y CAGR: +28.3%

EPS (Diluted)

$2.89 +5.1% ▲

5Y CAGR: +24.7%

EBITDA

$188M +13.1% ▲

5Y CAGR: +26.4%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$316M	$356M	$532M	$621M	$629M
YoY Growth	+7.7%	+2925.8%	-94.4%	+16.3%	+1.3%
Cost of Revenue	$14M	$60M	$181M	$245M	$213M
Gross Profit	$303M	$296M	$352M	$376M	$416M
Gross Margin	95.7%	83.1%	66.1%	60.6%	66.1%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$103M	$121M	$131M	$145M	$133M
Operating Expenses	$178M	$182M	$206M	$215M	$233M
Operating Income	$124M	$115M	$146M	$161M	$183M
Operating Margin	39.3%	32.2%	27.4%	25.9%	29.1%
Interest Expense	$13M	$36M	$149M	$218M	$187M
Income Before Tax	$124M	$115M	$146M	$161M	$173M
Tax Expense	$31M	$27M	$38M	$40M	$43M
Net Income	$93M	$88M	$108M	$121M	$130M
Net Margin	29.3%	24.7%	20.3%	19.4%	20.7%
EPS (Diluted)	$2.40	$2.34	$2.67	$2.75	$2.89
EBITDA	$130M	$119M	$150M	$166M	$188M
Shares Outstanding	38M	37M	40M	44M	45M

Line Item	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2	FY2026 Q3
Revenue	$154M	$149M	$158M	$163M	$160M	$153M	$160M	$165M
Cost of Revenue	$58M	$56M	$60M	$54M	$43M	$47M	$51M	$51M
Gross Profit	$96M	$93M	$98M	$109M	$117M	$106M	$109M	$114M
Gross Margin	62.5%	62.5%	61.7%	66.8%	73.2%	69.1%	68.4%	69.3%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$42M	$36M	$5M	$37M	$54M	$3M	$3M	$48M
Operating Expenses	$56M	$56M	$59M	$59M	$60M	$56M	$55M	$60M
Operating Income	$40M	$37M	$39M	$50M	$57M	$50M	$54M	$54M
Operating Margin	26.1%	25.2%	24.6%	30.7%	35.4%	32.4%	33.8%	33.0%
Interest Expense	$51M	$47M	$49M	$49M	$43M	$42M	$43M	$44M
Income Before Tax	$40M	$37M	$39M	$50M	$47M	$50M	$54M	$54M
Tax Expense	$10M	$9M	$9M	$13M	$12M	$12M	$14M	$13M
Net Income	$30M	$28M	$30M	$37M	$35M	$38M	$40M	$42M
Net Margin	19.6%	19.0%	19.0%	22.9%	21.6%	24.5%	25.1%	25.3%
EPS (Diluted)	$0.69	$0.64	$0.66	$0.82	$0.76	$0.83	$0.88	$0.94
EBITDA	$42M	$39M	$40M	$51M	$58M	$51M	$55M	$98M
Shares Outstanding	44M	44M	44M	45M	45M	45M	45M	45M

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