$38.53

-0.22 (-0.57%)

Weekly Expected Move ±4.8%

$35 $37 $39 $40 $42

NASDAQ · Financial Services · Asset Management · Tech Score Neutral · Power 44 · $13.7B mcap · 259M float · 1.40% daily turnover · Short 64% of daily vol

Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: $66.0M held by 90 funds, 106 bp over Treasuries → details ▾

Not rated: lending and leverage are a financial company's business, which the model misreads.
Bond figures are fund-reported marks (SEC N-PORT) as of Jul 2026. How these are computed.

Revenue Segmentation

By Product / Service

By Geography

Revenue by Segment (5-Year Trend)

Income Trends

Revenue

$4.9B +19.8% ▲

5Y CAGR: +18.1%

Gross Profit

$3.2B -5.1% ▼

5Y CAGR: +11.5%

Operating Income

$1.3B -8.0% ▼

5Y CAGR: +17.2%

Net Income

$809M -20.7% ▼

5Y CAGR: +18.4%

EPS (Diluted)

$2.18 -21.3% ▼

5Y CAGR: +17.6%

EBITDA

$1.3B -15.3% ▼

5Y CAGR: +16.2%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$5.8B	$3.7B	$1.9B	$4.1B	$4.9B
YoY Growth	+172.9%	-36.9%	-49.2%	+119.0%	+19.8%
Cost of Revenue	$292M	$322M	$543M	$686M	$1.7B
Gross Profit	$5.5B	$3.4B	$1.3B	$3.4B	$3.2B
Gross Margin	95.0%	91.2%	70.9%	83.2%	65.9%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$432M	$576M	$652M	$666M	$2.1B
Operating Expenses	$1.5B	$1.8B	$1.9B	$2.0B	$1.9B
Operating Income	$4.0B	$1.6B	-$601M	$1.4B	$1.3B
Operating Margin	69.2%	42.8%	-32.2%	34.1%	26.2%
Interest Expense	$292M	$322M	$543M	$686M	$124M
Income Before Tax	$4.0B	$1.6B	-$601M	$1.4B	$1.2B
Tax Expense	$982M	$288M	-$104M	$303M	$214M
Net Income	$3.0B	$1.2B	-$608M	$1.0B	$809M
Net Margin	51.1%	33.3%	-32.6%	25.0%	16.5%
EPS (Diluted)	$8.20	$3.35	$-1.68	$2.77	$2.18
EBITDA	$4.1B	$1.7B	-$420M	$1.6B	$1.3B
Shares Outstanding	363M	366M	361M	368M	371M

Line Item	FY2024 Q3	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2
Revenue	$1.5B	$927M	$808M	$1.2B	$780M	$1.8B	$190M	$1.1B
Cost of Revenue	$192M	$156M	$141M	$199M	$207M	$838M	-$170M	$287M
Gross Profit	$1.3B	$771M	$666M	$977M	$573M	$1.0B	$359M	$862M
Gross Margin	87.1%	83.2%	82.5%	83.1%	73.5%	54.5%	189.5%	75.0%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$177M	$153M	$174M	$206M	$181M	$0	$0	$203M
Operating Expenses	$506M	$506M	$496M	$537M	$488M	$505M	$500M	$550M
Operating Income	$789M	$265M	$171M	$441M	$86M	$500M	-$140M	$312M
Operating Margin	53.1%	28.6%	21.2%	37.5%	11.0%	27.1%	-74.1%	27.1%
Interest Expense	$192M	$156M	$141M	$199M	$207M	$38M	$39M	$38M
Income Before Tax	$789M	$265M	$171M	$441M	$86M	$462M	-$179M	$274M
Tax Expense	$173M	$38M	$12M	$112M	-$27M	$116M	-$37M	$49M
Net Income	$596M	$211M	$130M	$320M	$900K	$358M	-$132M	$137M
Net Margin	40.1%	22.8%	16.1%	27.2%	0.1%	19.4%	-69.7%	11.9%
EPS (Diluted)	$1.63	$0.57	$0.35	$0.87	$0.00	$0.96	$-0.37	$0.37
EBITDA	$835M	$312M	$218M	$488M	$134M	$515M	-$124M	$363M
Shares Outstanding	365M	371M	366M	367M	376M	374M	359M	367M

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