$21.34

-0.01 (-0.05%)

Weekly Expected Move ±2.3%

$20 $21 $21 $22 $22

NASDAQ · Financial Services · Banks - Regional · Tech Score Neutral · Power 42 · $170.0M mcap · 7M float · 0.798% daily turnover · Short 39% 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

$126M +4.6% ▲

5Y CAGR: +6.9%

Gross Profit

$89M +12.9% ▲

5Y CAGR: -0.2%

Operating Income

$19M +66.2% ▲

Net Income

$15M +51.7% ▲

5Y CAGR: -6.9%

EPS (Diluted)

$1.90 +53.2% ▲

5Y CAGR: -9.4%

EBITDA

$26M +27.1% ▲

5Y CAGR: -9.5%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$93M	$94M	$112M	$120M	$126M
YoY Growth	+3.1%	+0.5%	+20.1%	+7.1%	+4.6%
Cost of Revenue	$4M	$8M	$31M	$41M	$37M
Gross Profit	$89M	$85M	$82M	$79M	$89M
Gross Margin	95.6%	91.3%	72.8%	65.7%	70.9%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$50M	$46M	$45M	$42M	$34M
Operating Expenses	$70M	$72M	$70M	$68M	$70M
Operating Income	$19M	$14M	$12M	$11M	$19M
Operating Margin	20.7%	14.8%	10.4%	9.5%	15.0%
Interest Expense	$3M	$6M	$29M	$41M	$36M
Income Before Tax	$19M	$14M	$12M	$11M	$19M
Tax Expense	$5M	$3M	$2M	$2M	$4M
Net Income	$14M	$11M	$10M	$10M	$15M
Net Margin	15.5%	11.4%	8.9%	8.1%	11.8%
EPS (Diluted)	$2.17	$1.45	$1.29	$1.24	$1.90
EBITDA	$27M	$22M	$20M	$20M	$26M
Shares Outstanding	7M	7M	8M	8M	8M

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