$55.34

-0.47 (-0.84%)

Weekly Expected Move ±2.4%

$53 $55 $56 $57 $59

NASDAQ · Financial Services · Banks - Regional · Tech Score Neutral · Power 52 · $7.9B mcap · 129M float · 0.826% daily turnover · Short 48% 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

$2.1B +2.2% ▲

5Y CAGR: +9.0%

Gross Profit

$1.7B +5.0% ▲

5Y CAGR: +7.2%

Operating Income

$732M +7.7% ▲

5Y CAGR: +10.7%

Net Income

$566M +7.6% ▲

5Y CAGR: +9.8%

EPS (Diluted)

$4.08 +5.4% ▲

5Y CAGR: +11.3%

EBITDA

$770M +5.0% ▲

5Y CAGR: +9.7%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$1.4B	$1.6B	$2.0B	$2.1B	$2.1B
YoY Growth	+3.5%	+8.8%	+25.8%	+6.3%	+2.2%
Cost of Revenue	-$53M	$85M	$419M	$462M	$428M
Gross Profit	$1.5B	$1.5B	$1.6B	$1.6B	$1.7B
Gross Margin	103.7%	94.6%	78.7%	77.9%	80.0%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$556M	$588M	$642M	$647M	$704M
Operating Expenses	$806M	$849M	$931M	$951M	$980M
Operating Income	$686M	$632M	$620M	$679M	$732M
Operating Margin	47.7%	40.4%	31.5%	32.5%	34.2%
Interest Expense	$13M	$57M	$383M	$429M	$372M
Income Before Tax	$686M	$632M	$620M	$679M	$732M
Tax Expense	$146M	$132M	$135M	$145M	$161M
Net Income	$531M	$488M	$477M	$526M	$566M
Net Margin	36.9%	31.2%	24.2%	25.1%	26.5%
EPS (Diluted)	$3.72	$3.49	$3.47	$3.87	$4.08
EBITDA	$731M	$679M	$669M	$734M	$770M
Shares Outstanding	141M	138M	137M	134M	139M

Line Item	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2	FY2026 Q3
Revenue	$526M	$516M	$537M	$544M	$543M	$584M	$499M	$588M
Cost of Revenue	$116M	$110M	$97M	$115M	$106M	$108M	$100M	$104M
Gross Profit	$410M	$406M	$440M	$429M	$436M	$476M	$399M	$484M
Gross Margin	77.9%	78.7%	81.9%	78.9%	80.4%	81.6%	80.0%	82.3%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$163M	$163M	$161M	$167M	$169M	$192M	$127M	$254M
Operating Expenses	$236M	$238M	$244M	$244M	$253M	$291M	$193M	$286M
Operating Income	$174M	$168M	$196M	$185M	$183M	$185M	$206M	$198M
Operating Margin	33.1%	32.5%	36.5%	34.0%	33.8%	31.7%	41.3%	33.7%
Interest Expense	$103M	$95M	$91M	$95M	$90M	$97M	$99M	$94M
Income Before Tax	$174M	$168M	$196M	$185M	$183M	$185M	$206M	$202M
Tax Expense	$37M	$37M	$42M	$41M	$41M	$41M	$46M	$44M
Net Income	$136M	$132M	$154M	$142M	$141M	$142M	$160M	$155M
Net Margin	25.9%	25.5%	28.6%	26.0%	25.9%	24.3%	32.0%	26.4%
EPS (Diluted)	$1.01	$0.98	$1.14	$1.01	$1.02	$0.97	$1.11	$1.08
EBITDA	$187M	$181M	$210M	$199M	$206M	$206M	$227M	$198M
Shares Outstanding	134M	134M	133M	132M	138M	146M	144M	142M

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