$34.72

+0.12 (+0.35%)

Weekly Expected Move ±2.8%

$32 $33 $34 $35 $36

NASDAQ · Financial Services · Banks - Regional · Tech Score Buy · Power 62 · $519.3M mcap · 14M float · 0.654% daily turnover · Short 58% 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

Income Trends

Revenue

$193M +38.7% ▲

5Y CAGR: +19.7%

Gross Profit

$112M +22.2% ▲

5Y CAGR: +10.0%

Operating Income

$34M +3.3% ▲

5Y CAGR: +12.6%

Net Income

$28M +5.4% ▲

5Y CAGR: +12.5%

EPS (Diluted)

$2.01 -38.2% ▼

5Y CAGR: -0.6%

EBITDA

$34M -24.7% ▼

5Y CAGR: +5.2%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$84M	$89M	$114M	$139M	$193M
YoY Growth	+6.9%	+6.3%	+27.8%	+22.1%	+38.7%
Cost of Revenue	$4M	$8M	$33M	$47M	$81M
Gross Profit	$79M	$81M	$81M	$92M	$112M
Gross Margin	94.8%	91.0%	70.8%	66.0%	58.2%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$31M	$32M	$34M	$36M	$62M
Operating Expenses	$53M	$53M	$55M	$59M	$78M
Operating Income	$26M	$28M	$26M	$33M	$34M
Operating Margin	31.6%	31.0%	22.4%	23.8%	17.7%
Interest Expense	$4M	$8M	$33M	$47M	$66M
Income Before Tax	$26M	$28M	$26M	$33M	$34M
Tax Expense	$4M	$4M	$4M	$6M	$6M
Net Income	$22M	$24M	$21M	$27M	$28M
Net Margin	26.3%	26.5%	18.7%	19.2%	14.6%
EPS (Diluted)	$2.86	$3.15	$2.82	$3.25	$2.01
EBITDA	$39M	$41M	$38M	$45M	$34M
Shares Outstanding	8M	8M	8M	8M	14M

Line Item	FY2024 Q3	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2
Revenue	$37M	$36M	$45M	$60M	$62M	$60M	$59M	$1M
Cost of Revenue	$12M	$12M	$27M	$18M	$17M	$18M	$17M	$17M
Gross Profit	$25M	$24M	$18M	$42M	$45M	$42M	$42M	-$15M
Gross Margin	67.5%	67.0%	40.3%	69.8%	72.0%	69.7%	71.9%	-1231.7%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$9M	$9M	$11M	$15M	$15M	$15M	$1M	$1M
Operating Expenses	$15M	$15M	$36M	$26M	$26M	$25M	$26M	$1M
Operating Income	$9M	$9M	-$18M	$17M	$18M	$17M	$17M	-$17M
Operating Margin	25.4%	24.4%	-39.2%	27.6%	29.6%	27.8%	28.2%	-1335.5%
Interest Expense	$11M	$12M	$14M	$18M	$17M	$18M	$17M	$17M
Income Before Tax	$9M	$9M	-$18M	$17M	$18M	$17M	$17M	$15M
Tax Expense	$2M	$2M	-$4M	$3M	$4M	$3M	$3M	$3M
Net Income	$7M	$7M	-$14M	$14M	$15M	$14M	$14M	$12M
Net Margin	20.1%	19.9%	-31.0%	22.4%	23.7%	22.9%	23.2%	997.8%
EPS (Diluted)	$0.85	$0.84	$-1.30	$0.90	$0.97	$0.92	$0.91	$0.83
EBITDA	$12M	$12M	-$14M	$22M	$24M	$22M	$22M	-$12M
Shares Outstanding	9M	9M	11M	15M	15M	15M	15M	15M

COFS NASDAQ

Revenue Segmentation

By Product / Service

Income Trends

Profit Margins

Year-over-Year Growth

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