$62.37

+0.04 (+0.07%)

After Hours: $62.48 (+0.12, +0.19%)

Weekly Expected Move ±2.5%

$59 $61 $62 $64 $66

NYSE · Financial Services · Banks - Regional · Tech Score Buy · Power 67 · $3.3B mcap · 52M float · 0.543% daily turnover · Short 59% 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

$929M -1.3% ▼

5Y CAGR: +8.5%

Gross Profit

$682M -5.7% ▼

5Y CAGR: +3.2%

Operating Income

$292M +23.2% ▲

5Y CAGR: +7.2%

Net Income

$210M +15.3% ▲

5Y CAGR: +5.0%

EPS (Diluted)

$3.98 +15.7% ▲

5Y CAGR: +5.3%

EBITDA

$317M +19.6% ▲

5Y CAGR: +6.0%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$634M	$702M	$756M	$941M	$929M
YoY Growth	+2.7%	+10.9%	+7.6%	+24.4%	-1.3%
Cost of Revenue	$4M	$38M	$115M	$217M	$247M
Gross Profit	$629M	$665M	$641M	$724M	$682M
Gross Margin	99.3%	94.6%	84.7%	76.9%	73.4%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$251M	$270M	$298M	$317M	$251M
Operating Expenses	$388M	$424M	$472M	$487M	$390M
Operating Income	$241M	$240M	$168M	$237M	$292M
Operating Margin	38.1%	34.2%	22.3%	25.2%	31.4%
Interest Expense	$13M	$23M	$104M	$194M	$193M
Income Before Tax	$241M	$240M	$168M	$237M	$275M
Tax Expense	$52M	$52M	$36M	$54M	$65M
Net Income	$190M	$188M	$132M	$182M	$210M
Net Margin	29.9%	26.8%	17.5%	19.4%	22.7%
EPS (Diluted)	$3.48	$3.46	$2.45	$3.44	$3.98
EBITDA	$272M	$271M	$197M	$265M	$317M
Shares Outstanding	54M	54M	54M	53M	56M

Line Item	FY2024 Q3	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2
Revenue	$240M	$246M	$244M	$247M	$256M	$264M	$259M	$268M
Cost of Revenue	$59M	$56M	$54M	$52M	$55M	$53M	$51M	$50M
Gross Profit	$181M	$190M	$190M	$195M	$201M	$211M	$208M	$219M
Gross Margin	75.5%	77.2%	77.8%	78.9%	78.7%	79.9%	80.3%	81.4%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$82M	$81M	$80M	$83M	$81M	$85M	$98M	$7M
Operating Expenses	$124M	$126M	$125M	$129M	$128M	$139M	$133M	$138M
Operating Income	$57M	$65M	$64M	$66M	$73M	$72M	$75M	$81M
Operating Margin	23.8%	26.2%	26.4%	26.7%	28.6%	27.3%	28.9%	30.1%
Interest Expense	$51M	$50M	$47M	$48M	$49M	$48M	$45M	$45M
Income Before Tax	$57M	$65M	$64M	$66M	$73M	$72M	$75M	$81M
Tax Expense	$13M	$15M	$15M	$15M	$18M	$17M	$17M	$19M
Net Income	$44M	$50M	$50M	$51M	$55M	$54M	$57M	$61M
Net Margin	18.3%	20.2%	20.4%	20.7%	21.5%	20.6%	22.1%	22.9%
EPS (Diluted)	$0.83	$0.93	$0.94	$0.97	$1.04	$1.03	$1.08	$1.16
EBITDA	$64M	$72M	$72M	$73M	$80M	$80M	$84M	$91M
Shares Outstanding	53M	53M	53M	53M	53M	53M	53M	53M

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