$108.57

-0.26 (-0.24%)

After Hours: $96.10 (-12.47, -11.49%)

Weekly Expected Move ±3.8%

$99 $103 $107 $111 $116

NASDAQ · Financial Services · Banks - Regional · Tech Score Strong Buy · Power 68 · $353.9M mcap · 3M float · 1.47% daily turnover · Short 78% 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

$186M +11.8% ▲

5Y CAGR: +4.7%

Gross Profit

$129M +17.1% ▲

5Y CAGR: +0.9%

Operating Income

$33M +37.0% ▲

5Y CAGR: +2.5%

Net Income

$27M +35.3% ▲

5Y CAGR: +3.9%

EPS (Diluted)

$8.29 +37.9% ▲

5Y CAGR: +6.5%

EBITDA

$33M +18.2% ▲

5Y CAGR: -0.2%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$140M	$123M	$150M	$167M	$186M
YoY Growth	-5.6%	-11.8%	+21.3%	+11.2%	+11.8%
Cost of Revenue	$9M	$11M	$35M	$56M	$57M
Gross Profit	$131M	$112M	$115M	$110M	$129M
Gross Margin	93.6%	91.0%	76.8%	66.3%	69.5%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$61M	$51M	$58M	$57M	$57M
Operating Expenses	$93M	$75M	$86M	$86M	$96M
Operating Income	$38M	$37M	$29M	$24M	$33M
Operating Margin	27.2%	29.9%	19.5%	14.5%	17.8%
Interest Expense	$8M	$8M	$26M	$43M	$45M
Income Before Tax	$38M	$37M	$29M	$24M	$33M
Tax Expense	$9M	$8M	$5M	$4M	$6M
Net Income	$29M	$29M	$24M	$20M	$27M
Net Margin	20.5%	23.6%	15.8%	11.9%	14.4%
EPS (Diluted)	$7.95	$8.29	$6.92	$6.01	$8.29
EBITDA	$43M	$41M	$33M	$28M	$33M
Shares Outstanding	4M	4M	3M	3M	3M

Line Item	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2	FY2026 Q3
Revenue	$42M	$43M	$47M	$47M	$48M	$48M	$50M	$42M
Cost of Revenue	$15M	$14M	$13M	$15M	$15M	$15M	$15M	$0
Gross Profit	$28M	$29M	$34M	$32M	$32M	$33M	$35M	$0
Gross Margin	65.0%	67.2%	72.2%	68.9%	67.8%	68.5%	70.3%	0.0%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$13M	$14M	$16M	$15M	$14M	$1M	$2M	$1M
Operating Expenses	$20M	$22M	$24M	$23M	$24M	$24M	$24M	$1M
Operating Income	$7M	$7M	$10M	$9M	$8M	$8M	$11M	$0
Operating Margin	17.0%	15.3%	20.6%	18.9%	17.0%	17.5%	21.7%	0.0%
Interest Expense	$11M	$11M	$11M	$12M	$12M	$11M	$11M	$11M
Income Before Tax	$7M	$7M	$10M	$9M	$8M	$8M	$11M	$10M
Tax Expense	$1M	$1M	$2M	$2M	$1M	$2M	$2M	$2M
Net Income	$6M	$5M	$8M	$7M	$7M	$7M	$9M	$8M
Net Margin	14.2%	12.6%	16.4%	15.2%	14.1%	14.1%	17.1%	19.9%
EPS (Diluted)	$1.87	$1.66	$2.37	$2.19	$2.07	$2.08	$2.63	$2.55
EBITDA	$8M	$8M	$11M	$10M	$9M	$9M	$12M	$0
Shares Outstanding	3M	3M	3M	3M	3M	3M	3M	3M

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