$70.79

-0.35 (-0.49%)

Pre-Market: $71.00 (+0.21, +0.30%)

Weekly Expected Move ±4.8%

$64 $68 $71 $74 $78

NYSE · Financial Services · Asset Management · Tech Score Neutral · Power 44 · $3.6B mcap · 28M float · 1.09% daily turnover · Short 62% 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

By Geography

Revenue by Segment (5-Year Trend)

Income Trends

Revenue

$568M +9.7% ▲

5Y CAGR: +5.7%

Gross Profit

$327M +34.8% ▲

5Y CAGR: +15.4%

Operating Income

$178M +2.8% ▲

5Y CAGR: +13.3%

Net Income

$153M +1.3% ▲

5Y CAGR: +14.9%

EPS (Diluted)

$2.98 +0.3% ▲

5Y CAGR: +13.7%

EBITDA

$200M -1.4% ▼

5Y CAGR: +11.8%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$584M	$574M	$490M	$517M	$568M
YoY Growth	+36.6%	-2.9%	-13.6%	+5.7%	+9.7%
Cost of Revenue	$271M	$292M	$254M	$275M	$241M
Gross Profit	$312M	$282M	$235M	$242M	$327M
Gross Margin	53.5%	49.1%	48.1%	46.8%	57.5%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$48M	$55M	$67M	$60M	$71M
Operating Expenses	$52M	$66M	$71M	$69M	$149M
Operating Income	$260M	$216M	$164M	$173M	$178M
Operating Margin	44.6%	37.6%	33.6%	33.4%	31.3%
Interest Expense	$0	$0	$0	$0	$0
Income Before Tax	$282M	$197M	$180M	$210M	$205M
Tax Expense	$56M	$47M	$44M	$47M	$47M
Net Income	$211M	$171M	$129M	$151M	$153M
Net Margin	36.2%	29.8%	26.4%	29.2%	27.0%
EPS (Diluted)	$4.31	$3.47	$2.60	$2.97	$2.98
EBITDA	$279M	$228M	$170M	$203M	$200M
Shares Outstanding	49M	49M	50M	51M	52M

Line Item	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2	FY2026 Q3
Revenue	$145M	$140M	$142M	$142M	$144M	$147M	$167M	$156M
Cost of Revenue	$72M	$70M	$72M	$74M	$26M	$21M	$19M	$27M
Gross Profit	$72M	$70M	$70M	$68M	$118M	$125M	$147M	$129M
Gross Margin	50.1%	50.1%	49.2%	48.1%	82.1%	85.3%	88.3%	82.5%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$16M	$17M	$18M	$17M	$19M	$0	$0	$0
Operating Expenses	$23M	$25M	$27M	$19M	$78M	$74M	$80M	$79M
Operating Income	$49M	$45M	$43M	$49M	$40M	$51M	$67M	$50M
Operating Margin	34.1%	32.3%	30.4%	34.5%	28.0%	34.9%	40.1%	31.9%
Interest Expense	$0	$0	$0	$0	$0	$0	$0	$0
Income Before Tax	$56M	$53M	$54M	$56M	$42M	$57M	$72M	$56M
Tax Expense	$13M	$10M	$12M	$14M	$12M	$16M	$16M	$15M
Net Income	$46M	$40M	$37M	$42M	$35M	$42M	$49M	$42M
Net Margin	31.7%	28.4%	25.9%	29.4%	24.3%	28.9%	29.6%	27.1%
EPS (Diluted)	$0.89	$0.77	$0.72	$0.81	$0.68	$0.82	$0.95	$0.81
EBITDA	$57M	$53M	$52M	$52M	$43M	$60M	$75M	$59M
Shares Outstanding	52M	51M	51M	52M	52M	52M	52M	52M

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