$82.67

-1.92 (-2.27%)

Weekly Expected Move ±2.5%

$80 $82 $84 $86 $88

NASDAQ · Financial Services · Insurance - Brokers · Tech Score Strong Buy · Power 70 · $4.2B mcap · 31M float · 0.641% daily turnover · Short 48% 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

$959M +7.0% ▲

5Y CAGR: +11.6%

Gross Profit

$233M +11.0% ▲

5Y CAGR: +13.5%

Operating Income

$143M +18.5% ▲

5Y CAGR: +19.3%

Net Income

$110M +16.0% ▲

5Y CAGR: +18.9%

EPS (Diluted)

$2.14 +16.9% ▲

5Y CAGR: -3.1%

EBITDA

$175M +16.3% ▲

5Y CAGR: +16.2%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2022	FY2023	FY2024	FY2025	FY2026
Revenue	$646M	$719M	$795M	$896M	$959M
YoY Growth	+16.9%	+11.2%	+10.7%	+12.6%	+7.0%
Cost of Revenue	$494M	$560M	$624M	$686M	$726M
Gross Profit	$152M	$158M	$172M	$210M	$233M
Gross Margin	23.5%	22.0%	21.6%	23.4%	24.3%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$68M	$74M	$77M	$89M	$89.7B
Operating Expenses	$68M	$74M	$77M	$89M	$90M
Operating Income	$85M	$85M	$95M	$121M	$143M
Operating Margin	13.1%	11.8%	12.0%	13.5%	14.9%
Interest Expense	$0	$0	$0	$0	$0
Income Before Tax	$85M	$85M	$95M	$121M	$143M
Tax Expense	$18M	$18M	$19M	$26M	$33M
Net Income	$66M	$66M	$76M	$95M	$110M
Net Margin	10.3%	9.2%	9.6%	10.6%	11.5%
EPS (Diluted)	$1.22	$1.26	$1.47	$1.83	$2.14
EBITDA	$108M	$110M	$121M	$150M	$175M
Shares Outstanding	54M	53M	52M	52M	52M

Line Item	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2	FY2026 Q3	FY2026 Q4	FY2027 Q1
Revenue	$224M	$228M	$232M	$235M	$240M	$236M	$249M	$260M
Cost of Revenue	$174M	$175M	$174M	$178M	$181M	$181M	$186M	$201M
Gross Profit	$51M	$53M	$58M	$57M	$58M	$55M	$63M	$59M
Gross Margin	22.6%	23.2%	25.0%	24.2%	24.3%	23.3%	25.4%	22.7%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$22M	$22M	$25M	$21M	$22M	$23M	$89.7B	$636K
Operating Expenses	$22M	$22M	$25M	$21M	$22M	$23M	$23M	$16M
Operating Income	$29M	$31M	$33M	$35M	$36M	$32M	$40M	$43M
Operating Margin	12.8%	13.5%	14.4%	15.0%	15.0%	13.7%	16.0%	16.7%
Interest Expense	$0	$0	$0	$0	$0	$0	$0	$0
Income Before Tax	$29M	$31M	$33M	$35M	$36M	$32M	$40M	$43M
Tax Expense	$5M	$7M	$7M	$8M	$8M	$8M	$9M	$11M
Net Income	$23M	$24M	$26M	$27M	$28M	$24M	$31M	$32M
Net Margin	10.4%	10.4%	11.4%	11.6%	11.6%	10.3%	12.5%	12.4%
EPS (Diluted)	$0.45	$0.46	$0.51	$0.52	$0.54	$0.47	$0.61	$0.63
EBITDA	$36M	$38M	$41M	$43M	$44M	$40M	$48M	$52M
Shares Outstanding	52M	52M	52M	52M	52M	52M	51M	51M

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