$30.32

-0.56 (-1.81%)

Weekly Expected Move ±2.4%

$29 $30 $31 $31 $32

NASDAQ · Financial Services · Banks - Regional · Tech Score Buy · Power 65 · $672.0M mcap · 21M float · 1.56% daily turnover · Short 47% 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

$255M +6.2% ▲

5Y CAGR: +9.2%

Gross Profit

$157M +14.3% ▲

5Y CAGR: +7.4%

Operating Income

$40M +29.6% ▲

Net Income

$31M +27.9% ▲

EPS (Diluted)

$1.40 +32.1% ▲

EBITDA

$40M +5.5% ▲

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$156M	$179M	$212M	$240M	$255M
YoY Growth	-4.5%	+14.6%	+18.2%	+13.1%	+6.2%
Cost of Revenue	$25M	$23M	$81M	$102M	$98M
Gross Profit	$132M	$156M	$131M	$137M	$157M
Gross Margin	84.1%	87.1%	62.0%	57.3%	61.7%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$57M	$56M	$62M	$67M	$75M
Operating Expenses	$96M	$94M	$103M	$107M	$117M
Operating Income	$36M	$62M	$29M	$31M	$40M
Operating Margin	22.8%	34.4%	13.6%	12.9%	15.7%
Interest Expense	$23M	$20M	$74M	$107M	$101M
Income Before Tax	$36M	$62M	$29M	$31M	$40M
Tax Expense	$4M	$12M	$5M	$6M	$9M
Net Income	$32M	$50M	$23M	$25M	$31M
Net Margin	20.2%	28.0%	11.0%	10.2%	12.3%
EPS (Diluted)	$1.20	$2.03	$1.00	$1.06	$1.40
EBITDA	$42M	$68M	$35M	$38M	$40M
Shares Outstanding	26M	25M	23M	23M	22M

Line Item	FY2024 Q3	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2
Revenue	$61M	$61M	$62M	$62M	$64M	$65M	$130M	$90M
Cost of Revenue	$28M	$22M	$24M	$23M	$29M	$22M	-$11M	$23M
Gross Profit	$34M	$39M	$38M	$39M	$35M	$42M	$141M	$67M
Gross Margin	54.9%	63.3%	61.7%	63.2%	54.9%	65.2%	108.4%	74.5%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$17M	$17M	$16M	$17M	$16M	$20M	$20M	$19M
Operating Expenses	$27M	$28M	$27M	$28M	$28M	$31M	$31M	$30M
Operating Income	$7M	$11M	$11M	$11M	$7M	$11M	$110M	$37M
Operating Margin	11.5%	17.5%	18.0%	17.2%	11.3%	17.2%	84.5%	41.3%
Interest Expense	$28M	$27M	$26M	$25M	$25M	$25M	$23M	$22M
Income Before Tax	$7M	$11M	$11M	$11M	$7M	$11M	$110M	$37M
Tax Expense	$1M	$2M	$2M	$2M	$2M	$3M	$24M	$8M
Net Income	$6M	$8M	$9M	$9M	$5M	$8M	$86M	$29M
Net Margin	9.2%	13.6%	14.5%	13.8%	8.5%	13.1%	65.9%	32.0%
EPS (Diluted)	$0.24	$0.36	$0.39	$0.37	$0.24	$0.39	$3.93	$1.32
EBITDA	$9M	$13M	$13M	$13M	$9M	$13M	$112M	$39M
Shares Outstanding	23M	23M	23M	23M	22M	22M	22M	22M

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