$22.58

+0.07 (+0.31%)

After Hours: $21.70 (-0.88, -3.90%)

Weekly Expected Move ±2.8%

$21 $22 $22 $23 $24

NASDAQ · Financial Services · Banks - Regional · Tech Score Buy · Power 71 · $5.1B mcap · 198M float · 1.46% daily turnover · Short 66% 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

$1.1B -1.4% ▼

5Y CAGR: +12.6%

Gross Profit

$699M +5.3% ▲

5Y CAGR: +5.6%

Operating Income

$104M -32.9% ▼

5Y CAGR: +23.8%

Net Income

$88M -26.2% ▼

5Y CAGR: +31.1%

EPS (Diluted)

$0.40 -39.4% ▼

5Y CAGR: +25.2%

EBITDA

$157M -19.1% ▼

5Y CAGR: +19.7%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$523M	$682M	$559M	$1.1B	$1.1B
YoY Growth	-10.1%	+30.3%	-18.1%	+91.6%	-1.4%
Cost of Revenue	-$4M	$55M	$266M	$407M	$357M
Gross Profit	$528M	$627M	$293M	$664M	$699M
Gross Margin	100.8%	91.9%	52.4%	62.0%	66.2%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$240M	$249M	$283M	$324M	$353M
Operating Expenses	$352M	$389M	$419M	$508M	$595M
Operating Income	$176M	$238M	-$126M	$156M	$104M
Operating Margin	33.6%	34.9%	-22.6%	14.5%	9.9%
Interest Expense	$5M	$37M	$246M	$339M	$336M
Income Before Tax	$176M	$238M	-$126M	$156M	$100M
Tax Expense	$30M	$52M	-$63M	$36M	$11M
Net Income	$155M	$200M	$232M	$120M	$88M
Net Margin	29.5%	29.3%	41.6%	11.2%	8.4%
EPS (Diluted)	$0.90	$1.21	$1.43	$0.66	$0.40
EBITDA	$199M	$262M	-$102M	$194M	$157M
Shares Outstanding	172M	166M	162M	182M	216M

Line Item	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2	FY2026 Q3
Revenue	$308M	$30M	$322M	$323M	$383M	$376M	$350M	$412M
Cost of Revenue	$98M	$83M	$85M	$90M	$104M	$101M	$98M	$112M
Gross Profit	$210M	-$54M	$237M	$233M	$279M	$275M	$252M	$300M
Gross Margin	68.1%	-181.9%	73.6%	72.2%	72.9%	73.2%	72.0%	72.7%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$86M	$85M	$87M	$90M	$98M	$108M	$171M	$133M
Operating Expenses	$138M	$130M	$136M	$139M	$190M	$191M	$175M	$160M
Operating Income	$72M	-$184M	$100M	$94M	$89M	$84M	$77M	$140M
Operating Margin	23.4%	-621.7%	31.2%	29.1%	23.3%	22.3%	22.1%	34.0%
Interest Expense	$92M	$77M	$77M	$83M	$99M	$95M	$98M	$106M
Income Before Tax	$72M	-$184M	$100M	$94M	$89M	$84M	$135M	$140M
Tax Expense	$11M	$34M	$87K	-$12M	-$10M	$19M	$30M	$29M
Net Income	$61M	-$218M	$100M	$106M	$100M	$65M	$105M	$111M
Net Margin	19.7%	-735.7%	31.2%	32.9%	26.0%	17.4%	30.1%	26.9%
EPS (Diluted)	$0.30	$-1.09	$0.50	$0.53	$0.46	$0.29	$0.48	$0.51
EBITDA	$85M	-$170M	$114M	$108M	$111M	$103M	$154M	$246M
Shares Outstanding	203M	201M	199M	200M	216M	223M	219M	217M

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