$22.81

-0.10 (-0.44%)

Weekly Expected Move ±3.1%

$21 $22 $23 $24 $24

NASDAQ · Financial Services · Banks - Regional · Tech Score Buy · Power 63 · $4.0B mcap · 166M float · 0.874% daily turnover · Short 71% 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

$643M -2.3% ▼

5Y CAGR: +6.1%

Gross Profit

$514M +7.0% ▲

5Y CAGR: +3.1%

Operating Income

$282M +3.9% ▲

5Y CAGR: +2.5%

Net Income

$209M +4.3% ▲

5Y CAGR: +3.4%

EPS (Diluted)

$1.52 +5.6% ▲

5Y CAGR: +3.2%

EBITDA

$282M -1.7% ▼

5Y CAGR: +2.6%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$468M	$562M	$666M	$659M	$643M
YoY Growth	-2.2%	+20.1%	+18.5%	-1.0%	-2.3%
Cost of Revenue	-$20M	$20M	$120M	$179M	$130M
Gross Profit	$488M	$542M	$546M	$480M	$514M
Gross Margin	104.4%	96.5%	82.0%	72.9%	79.9%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$122M	$138M	$146M	$152M	$202M
Operating Expenses	$191M	$214M	$230M	$209M	$232M
Operating Income	$298M	$328M	$315M	$271M	$282M
Operating Margin	63.6%	58.4%	47.4%	41.2%	43.8%
Interest Expense	$6M	$9M	$118M	$183M	$133M
Income Before Tax	$298M	$328M	$315M	$271M	$282M
Tax Expense	$85M	$93M	$94M	$71M	$72M
Net Income	$213M	$235M	$221M	$201M	$209M
Net Margin	45.4%	41.9%	33.3%	30.5%	32.5%
EPS (Diluted)	$1.56	$1.67	$1.59	$1.44	$1.52
EBITDA	$291M	$342M	$334M	$287M	$282M
Shares Outstanding	135M	140M	138M	139M	136M

Line Item	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2	FY2026 Q3
Revenue	$144M	$159M	$159M	$163M	$163M	$161M	$219M	$237M
Cost of Revenue	$34M	$31M	$33M	$36M	$31M	$34M	$40M	$41M
Gross Profit	$110M	$128M	$126M	$127M	$132M	$126M	$179M	$197M
Gross Margin	76.3%	80.5%	79.5%	77.9%	81.1%	78.7%	81.9%	82.9%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$35M	$39M	$38M	$38M	$51M	$2M	$63M	$65M
Operating Expenses	$42M	$59M	$58M	$58M	$58M	$58M	$114M	$90M
Operating Income	$68M	$70M	$69M	$69M	$74M	$69M	$65M	$106M
Operating Margin	47.1%	43.7%	43.3%	42.3%	45.6%	42.7%	29.7%	44.7%
Interest Expense	$37M	$33M	$33M	$35M	$33M	$31M	$40M	$42M
Income Before Tax	$68M	$70M	$69M	$69M	$74M	$69M	$65M	$106M
Tax Expense	$17M	$18M	$18M	$16M	$19M	$18M	$17M	$28M
Net Income	$51M	$51M	$51M	$53M	$55M	$51M	$48M	$78M
Net Margin	35.2%	32.1%	31.8%	32.2%	33.8%	31.8%	22.0%	32.9%
EPS (Diluted)	$0.36	$0.36	$0.36	$0.38	$0.40	$0.38	$0.36	$0.44
EBITDA	$73M	$74M	$73M	$73M	$77M	$73M	$69M	$148M
Shares Outstanding	139M	139M	139M	138M	136M	136M	136M	175M

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