$10.85

-0.04 (-0.37%)

Weekly Expected Move ±3.6%

$10 $10 $11 $11 $12

NASDAQ · Financial Services · Banks - Regional · Tech Score Sell · Power 46 · $2.4B mcap · 57M float · 10.01% daily turnover · Short 52% 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

$507M +11.9% ▲

5Y CAGR: +9.2%

Gross Profit

$255M +54.1% ▲

5Y CAGR: +1.7%

Operating Income

$60M +478.1% ▲

5Y CAGR: -4.6%

Net Income

$52M +544.2% ▲

5Y CAGR: -2.1%

EPS (Diluted)

$0.51 +563.6% ▲

5Y CAGR: -0.4%

EBITDA

$69M +5189.7% ▲

5Y CAGR: -4.5%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$309M	$340M	$422M	$453M	$507M
YoY Growth	-5.3%	+10.1%	+24.2%	+7.3%	+11.9%
Cost of Revenue	$27M	$48M	$194M	$288M	$252M
Gross Profit	$282M	$292M	$228M	$165M	$255M
Gross Margin	91.2%	85.8%	54.1%	36.5%	50.3%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$104M	$122M	$132M	$120M	$75M
Operating Expenses	$156M	$175M	$182M	$181M	$195M
Operating Income	$126M	$117M	$46M	-$16M	$60M
Operating Margin	40.8%	34.4%	10.9%	-3.5%	11.9%
Interest Expense	$37M	$43M	$189M	$273M	$235M
Income Before Tax	$126M	$117M	$46M	-$16M	$60M
Tax Expense	$34M	$31M	$10M	-$4M	$8M
Net Income	$92M	$86M	$36M	-$12M	$52M
Net Margin	29.8%	25.3%	8.5%	-2.6%	10.2%
EPS (Diluted)	$0.88	$0.81	$0.35	$-0.11	$0.51
EBITDA	$138M	$130M	$60M	-$1M	$69M
Shares Outstanding	104M	106M	103M	102M	101M

Line Item	FY2024 Q3	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2
Revenue	$125M	$90M	$121M	$127M	$130M	$130M	$122M	$122M
Cost of Revenue	$75M	$70M	$65M	$65M	$59M	$63M	$59M	$59M
Gross Profit	$50M	$20M	$56M	$61M	$71M	$67M	$63M	$63M
Gross Margin	40.2%	22.1%	46.3%	48.5%	54.5%	51.4%	51.3%	51.5%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$30M	$29M	$31M	$4M	$6M	$33M	$2M	$49M
Operating Expenses	$43M	$47M	$44M	$45M	$59M	$47M	$44M	$54M
Operating Income	$7M	-$27M	$12M	$17M	$12M	$20M	$19M	$9M
Operating Margin	5.9%	-29.8%	10.0%	13.0%	9.0%	15.3%	15.3%	7.5%
Interest Expense	$71M	$67M	$62M	$63M	$49M	$62M	$58M	$0
Income Before Tax	$7M	-$27M	$12M	$17M	$12M	$20M	$19M	$20M
Tax Expense	$1M	-$6M	$3M	$4M	-$3M	$4M	$6M	$6M
Net Income	$6M	-$21M	$9M	$12M	$15M	$16M	$13M	$14M
Net Margin	5.0%	-23.6%	7.4%	9.7%	11.5%	12.0%	10.7%	11.8%
EPS (Diluted)	$0.06	$-0.21	$0.09	$0.12	$0.15	$0.15	$0.06	$0.06
EBITDA	$11M	-$23M	$16M	$20M	$13M	$24M	$23M	$20M
Shares Outstanding	102M	102M	102M	102M	102M	101M	223M	223M

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