$99.46

-0.18 (-0.18%)

Weekly Expected Move ±4.9%

$88 $93 $98 $103 $107

NASDAQ · Financial Services · Financial - Credit Services · Tech Score Buy · Power 60 · $2.1B mcap · 21M float · 1.62% daily turnover · Short 65% of daily vol

Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: $113.4M held by 207 funds, 209 bp over Treasuries → details ▾

Not rated: lending and leverage are a financial company's business, which the model misreads.
Bond figures are fund-reported marks (SEC N-PORT) as of Jul 2026. How these are computed.

Revenue Segmentation

By Product / Service

By Geography

Revenue by Segment (5-Year Trend)

Income Trends

Revenue

$1.8B +33.9% ▲

5Y CAGR: +3.3%

Gross Profit

$1.2B +101.4% ▲

5Y CAGR: +7.8%

Operating Income

$624M +296.3% ▲

5Y CAGR: +3.2%

Net Income

$257M +284.4% ▲

5Y CAGR: +3.9%

EPS (Diluted)

$10.91 +287.1% ▲

5Y CAGR: +10.3%

EBITDA

$653M +275.0% ▲

5Y CAGR: +4.1%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$1.6B	$1.4B	$1.2B	$1.3B	$1.8B
YoY Growth	+7.5%	-13.4%	-12.6%	+7.7%	+33.9%
Cost of Revenue	$687M	$629M	$651M	$713M	$547M
Gross Profit	$928M	$770M	$571M	$604M	$1.2B
Gross Margin	57.5%	55.0%	46.7%	45.9%	69.0%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$138M	$146M	$145M	$164M	$166M
Operating Expenses	$295M	$308M	$555M	$446M	$592M
Operating Income	$633M	$462M	$17M	$157M	$624M
Operating Margin	39.2%	33.1%	1.4%	12.0%	35.4%
Interest Expense	$170M	$153M	$202M	$253M	$288M
Income Before Tax	$437M	$311M	-$180M	-$96M	$336M
Tax Expense	$85M	$116M	$26M	$43M	$79M
Net Income	$351M	$195M	-$206M	-$139M	$257M
Net Margin	21.7%	13.9%	-16.9%	-10.6%	14.6%
EPS (Diluted)	$11.26	$7.46	$-8.72	$-5.83	$10.91
EBITDA	$656M	$511M	$63M	$174M	$653M
Shares Outstanding	31M	26M	24M	24M	24M

Line Item	FY2024 Q3	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2
Revenue	$367M	$266M	$393M	$442M	$460M	$474M	$473M	$492M
Cost of Revenue	$139M	$182M	$106M	$118M	$204M	$31M	$144M	$305M
Gross Profit	$228M	$84M	$287M	$324M	$257M	$443M	$329M	$187M
Gross Margin	62.0%	31.5%	73.0%	73.4%	55.7%	93.5%	69.5%	38.0%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$39M	$52M	$41M	$41M	$39M	$44M	$0	$39M
Operating Expenses	$122M	$218M	$158M	$174M	$83M	$269M	$146M	$0
Operating Income	$106M	-$134M	$129M	$151M	$173M	$173M	$183M	$187M
Operating Margin	28.9%	-50.5%	32.9%	34.1%	37.6%	36.6%	38.7%	38.0%
Interest Expense	$63M	$80M	$67M	$71M	$71M	$75M	$71M	$74M
Income Before Tax	$41M	-$210M	$60M	$78M	$100M	$98M	$112M	$83M
Tax Expense	$10M	$15M	$14M	$19M	$25M	$21M	$25M	$19M
Net Income	$31M	-$225M	$47M	$59M	$75M	$77M	$86M	$64M
Net Margin	8.3%	-84.8%	11.9%	13.3%	16.2%	16.2%	18.2%	13.0%
EPS (Diluted)	$1.26	$-9.42	$1.93	$2.49	$3.17	$3.37	$3.86	$2.81
EBITDA	$114M	-$136M	$135M	$158M	$178M	$180M	$189M	$164M
Shares Outstanding	24M	24M	24M	24M	24M	23M	22M	23M

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