Also trades as: CUBI-PE (NYSE) · $vol 2M · CUBI-PF (NYSE) · $vol 0M

$75.15

-0.54 (-0.71%)

Weekly Expected Move ±4.5%

$66 $69 $72 $76 $79

NYSE · Financial Services · Banks - Regional · Alpha Radar Neutral · Power 59 · $2.5B mcap · 32M float · 1.20% daily turnover · Short 74% of daily vol

Overview News Chart Smart Money Financials Income Statement Cash Flow Balance Sheet Earnings

Dividends Analysis Technicals Weather Peers ESG Institutions ETF Exposure Dark Pool Short Interest

Revenue Segmentation

By Product / Service

Revenue by Segment (5-Year Trend)

Income Trends

Revenue

$1.4B +3.9% ▲

5Y CAGR: +18.7%

Gross Profit

$730M +18.9% ▲

5Y CAGR: +12.9%

Operating Income

$311M +38.5% ▲

5Y CAGR: +10.4%

Net Income

$224M +23.5% ▲

5Y CAGR: +11.1%

EPS (Diluted)

$6.20 +21.8% ▲

5Y CAGR: +8.8%

EBITDA

$352M +36.3% ▲

5Y CAGR: +11.0%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$845M	$895M	$1.4B	$1.4B	$1.4B
YoY Growth	+40.6%	+6.0%	+58.7%	-4.2%	+3.9%
Cost of Revenue	$123M	$322M	$755M	$747M	$685M
Gross Profit	$721M	$573M	$666M	$614M	$730M
Gross Margin	85.4%	64.1%	46.9%	45.1%	51.6%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$120M	$124M	$171M	$222M	$224M
Operating Expenses	$280M	$282M	$336M	$390M	$419M
Operating Income	$441M	$291M	$331M	$224M	$311M
Operating Margin	52.2%	32.5%	23.3%	16.5%	22.0%
Interest Expense	$96M	$262M	$680M	$673M	$609M
Income Before Tax	$441M	$291M	$331M	$224M	$288M
Tax Expense	$87M	$63M	$81M	$43M	$64M
Net Income	$315M	$228M	$250M	$181M	$224M
Net Margin	37.3%	25.5%	17.6%	13.3%	15.8%
EPS (Diluted)	$10.08	$6.51	$7.32	$5.09	$6.20
EBITDA	$463M	$318M	$363M	$258M	$352M
Shares Outstanding	34M	34M	32M	33M	35M

Line Item	FY2024 Q2	FY2024 Q3	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1
Revenue	$362M	$337M	$314M	$286M	$354M	$388M	$388M	$371M
Cost of Revenue	$185M	$191M	$183M	$176M	$172M	$186M	$151M	$168M
Gross Profit	$177M	$146M	$130M	$110M	$181M	$201M	$237M	$202M
Gross Margin	49.0%	43.4%	41.5%	38.5%	51.3%	52.0%	61.1%	54.6%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$56M	$70M	$7M	$55M	$58M	$58M	$53M	$56M
Operating Expenses	$100M	$100M	$94M	$98M	$103M	$101M	$117M	$112M
Operating Income	$77M	$46M	$36M	$12M	$79M	$100M	$120M	$90M
Operating Margin	21.3%	13.7%	11.4%	4.2%	22.3%	25.9%	30.9%	24.4%
Interest Expense	$166M	$174M	$162M	$147M	$151M	$160M	$151M	$145M
Income Before Tax	$77M	$46M	$36M	$12M	$79M	$100M	$97M	$90M
Tax Expense	$19M	-$725K	$9M	-$1M	$18M	$25M	$23M	$21M
Net Income	$58M	$47M	$27M	$13M	$61M	$76M	$74M	$70M
Net Margin	16.1%	13.9%	8.6%	4.5%	17.2%	19.5%	19.2%	18.8%
EPS (Diluted)	$1.66	$1.31	$0.71	$0.29	$1.73	$2.20	$1.98	$1.97
EBITDA	$84M	$56M	$45M	$28M	$91M	$102M	$131M	$105M
Shares Outstanding	33M	33M	33M	32M	32M	33M	35M	35M

CUBI NYSE