$28.22

-0.21 (-0.74%)

Weekly Expected Move ±4.5%

$26 $28 $29 $30 $31

NYSE · Real Estate · REIT - Retail · Tech Score Buy · Power 62 · $3.4B mcap · 113M float · 1.32% daily turnover · Short 46% 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.

Income Trends

Revenue

$183M +51.3% ▲

4Y CAGR: +36.7%

Gross Profit

$137M +46.8% ▲

4Y CAGR: +34.7%

Operating Income

$31M -9.8% ▼

4Y CAGR: +7.1%

Net Income

$40M +288.1% ▲

4Y CAGR: +17.8%

EPS (Diluted)

$0.37 +289.5% ▲

4Y CAGR: +16.6%

EBITDA

$125M +135.0% ▲

4Y CAGR: +34.4%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$52M	$73M	$94M	$121M	$183M
YoY Growth	+0.0%	+39.8%	+28.1%	+29.1%	+51.3%
Cost of Revenue	$11M	$15M	$22M	$28M	$46M
Gross Profit	$42M	$58M	$72M	$93M	$137M
Gross Margin	79.4%	79.0%	76.6%	77.2%	74.9%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$3M	$4M	$5M	$17M	$34M
Operating Expenses	$18M	$30M	$37M	$59M	$106M
Operating Income	$23M	$27M	$35M	$34M	$31M
Operating Margin	44.4%	37.4%	36.9%	28.1%	16.7%
Interest Expense	$2M	$2M	$2M	$901K	$12M
Income Before Tax	$21M	$26M	$31M	$10M	$40M
Tax Expense	$0	$0	$0	$4K	$307K
Net Income	$21M	$26M	$31M	$10M	$40M
Net Margin	39.5%	35.2%	33.1%	8.5%	21.8%
EPS (Diluted)	$0.20	$0.25	$0.30	$0.10	$0.37
EBITDA	$38M	$54M	$65M	$53M	$125M
Shares Outstanding	105M	105M	105M	105M	105M

Line Item	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2	FY2026 Q3
Revenue	$35M	$39M	$41M	$49M	$54M	$58M	$58M	$71M
Cost of Revenue	$9M	$10M	$11M	$13M	$12M	$15M	$68M	$18M
Gross Profit	$26M	$28M	$31M	$36M	$42M	$43M	-$10M	$53M
Gross Margin	74.9%	73.6%	74.3%	74.0%	77.0%	74.0%	-17.1%	74.9%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$10M	$9M	$8M	$7M	$10M	$10M	$9M	$10M
Operating Expenses	$22M	$23M	$24M	$27M	$32M	$35M	-$17M	$40M
Operating Income	$4M	$5M	$7M	$9M	$10M	$8M	$7M	$14M
Operating Margin	11.0%	13.1%	15.9%	18.4%	18.5%	13.1%	11.7%	19.3%
Interest Expense	$485K	$567K	$0	$4M	$6M	$8M	$8M	$9M
Income Before Tax	$11M	$11M	$10M	$9M	$10M	$4M	$7M	$7M
Tax Expense	$4K	$105K	$72K	$44K	$86K	$69K	$65K	-$3K
Net Income	$11M	$11M	$10M	$9M	$10M	$4M	$7M	$7M
Net Margin	32.8%	27.3%	25.1%	19.2%	17.6%	6.1%	11.8%	10.4%
EPS (Diluted)	$0.11	$0.10	$0.10	$0.09	$0.09	$0.03	$0.06	$0.06
EBITDA	$24M	$26M	$28M	$33M	$38M	$37M	$42M	$46M
Shares Outstanding	105M	105M	105M	105M	105M	119M	109M	117M

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Income Trends

Profit Margins

Year-over-Year Growth

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