$8.54

+0.10 (+1.18%)

After Hours: $8.57 (+0.03, +0.35%)

Weekly Expected Move ±3.2%

$8 $8 $8 $9 $9

NASDAQ · Financial Services · Banks - Regional · Tech Score Neutral · Power 48 · $1.0B mcap · 106M float · 0.880% daily turnover · Short 55% 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

$417M +10.0% ▲

5Y CAGR: +5.3%

Gross Profit

$197M +20.9% ▲

5Y CAGR: +1.4%

Operating Income

$83M +53.4% ▲

5Y CAGR: +0.6%

Net Income

$68M +79.0% ▲

5Y CAGR: +1.1%

EPS (Diluted)

$0.52 +79.3% ▲

5Y CAGR: +2.0%

EBITDA

$91M +44.5% ▲

5Y CAGR: -0.2%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$279M	$300M	$186M	$379M	$417M
YoY Growth	-13.3%	+7.5%	-38.0%	+104.4%	+10.0%
Cost of Revenue	$75M	$82M	$213M	$216M	$220M
Gross Profit	$204M	$217M	-$28M	$163M	$197M
Gross Margin	73.2%	72.5%	-14.9%	43.1%	47.3%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$64M	$65M	$60M	$63M	$70M
Operating Expenses	$108M	$110M	$111M	$109M	$114M
Operating Income	$96M	$107M	-$139M	$54M	$83M
Operating Margin	34.4%	35.8%	-74.9%	14.3%	19.9%
Interest Expense	$83M	$87M	$207M	$215M	$219M
Income Before Tax	$96M	$107M	-$139M	$54M	$83M
Tax Expense	$20M	$23M	-$37M	$16M	$15M
Net Income	$76M	$84M	-$102M	$38M	$68M
Net Margin	27.3%	28.2%	-54.8%	10.0%	16.3%
EPS (Diluted)	$0.56	$0.62	$-0.76	$0.29	$0.52
EBITDA	$107M	$118M	-$129M	$63M	$91M
Shares Outstanding	135M	136M	134M	131M	130M

Line Item	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2	FY2026 Q3
Revenue	$101M	$102M	$102M	$104M	$109M	$111M	$110M	$105M
Cost of Revenue	$55M	$56M	$54M	$54M	$56M	$56M	$55M	$52M
Gross Profit	$46M	$46M	$48M	$50M	$53M	$55M	$55M	$53M
Gross Margin	45.2%	44.9%	46.9%	48.4%	48.9%	49.6%	50.3%	50.9%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$15M	$16M	$17M	$18M	$19M	$18M	$20M	$19M
Operating Expenses	$26M	$27M	$29M	$29M	$30M	$30M	$30M	$31M
Operating Income	$19M	$19M	$19M	$22M	$23M	$25M	$25M	$23M
Operating Margin	19.0%	18.8%	18.8%	20.8%	21.1%	22.8%	22.8%	21.5%
Interest Expense	$56M	$55M	$54M	$54M	$55M	$55M	$52M	$52M
Income Before Tax	$19M	$19M	$19M	$22M	$23M	$25M	$25M	$29M
Tax Expense	$7M	$4M	$4M	$3M	$4M	$5M	$5M	$6M
Net Income	$12M	$15M	$15M	$18M	$19M	$20M	$20M	$24M
Net Margin	11.9%	15.2%	15.1%	17.6%	17.2%	18.3%	18.3%	22.4%
EPS (Diluted)	$0.09	$0.12	$0.12	$0.14	$0.14	$0.16	$0.16	$0.19
EBITDA	$21M	$21M	$21M	$24M	$25M	$27M	$27M	$31M
Shares Outstanding	130M	130M	130M	130M	130M	129M	127M	124M

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