$51.94

-0.09 (-0.17%)

Weekly Expected Move ±2.1%

$50 $51 $52 $53 $54

NYSE · Financial Services · Insurance - Specialty · Tech Score Strong Buy · Power 68 · $932.9M mcap · 17M float · 1.11% daily turnover · Short 58% 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

$858M -2.6% ▼

5Y CAGR: +3.8%

Gross Profit

$276M -14.5% ▼

5Y CAGR: -3.5%

Operating Income

$12M -91.8% ▼

5Y CAGR: -39.5%

Net Income

$11M -90.9% ▼

5Y CAGR: -38.2%

EPS (Diluted)

$0.45 -90.4% ▼

5Y CAGR: -35.3%

EBITDA

$12M -91.7% ▼

5Y CAGR: -39.7%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$703M	$714M	$851M	$881M	$858M
YoY Growth	-1.2%	+1.5%	+19.3%	+3.5%	-2.6%
Cost of Revenue	$391M	$487M	$506M	$557M	$582M
Gross Profit	$312M	$227M	$345M	$323M	$276M
Gross Margin	44.3%	31.8%	40.6%	36.7%	32.2%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$0	$0	$0	$0	$0
Operating Expenses	$165M	$171M	$197M	$177M	$264M
Operating Income	$147M	$56M	$148M	$147M	$12M
Operating Margin	20.9%	7.8%	17.4%	16.7%	1.4%
Interest Expense	$500K	$4M	$6M	$100K	$500K
Income Before Tax	$147M	$56M	$148M	$147M	$12M
Tax Expense	$28M	$7M	$30M	$28M	$1M
Net Income	$119M	$48M	$118M	$119M	$11M
Net Margin	17.0%	6.8%	13.9%	13.5%	1.3%
EPS (Diluted)	$4.17	$1.75	$4.45	$4.71	$0.45
EBITDA	$155M	$65M	$159M	$150M	$12M
Shares Outstanding	29M	28M	27M	25M	24M

Line Item	FY2024 Q3	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2
Revenue	$224M	$217M	$203M	$246M	$239M	$170M	$208M	$220M
Cost of Revenue	$144M	$136M	$144M	$166M	$210M	$62M	$129M	$122M
Gross Profit	$80M	$81M	$59M	$80M	$30M	$108M	$78M	$98M
Gross Margin	35.7%	37.3%	29.1%	32.5%	12.4%	63.3%	37.8%	44.5%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$0	$0	$0	$0	$0	$0	$65M	$0
Operating Expenses	$43M	$46M	$43M	$43M	$41M	$137M	$66M	$63M
Operating Income	$37M	$35M	$16M	$37M	-$11M	-$30M	$13M	$35M
Operating Margin	16.4%	16.0%	7.8%	15.0%	-4.7%	-17.5%	6.2%	15.8%
Interest Expense	$0	$100K	$100K	$0	$200K	$200K	$1M	$1M
Income Before Tax	$37M	$35M	$16M	$37M	-$11M	-$30M	$13M	$35M
Tax Expense	$6M	$6M	$3M	$7M	-$3M	-$6M	$3M	$6M
Net Income	$30M	$28M	$13M	$30M	-$8M	-$23M	$10M	$29M
Net Margin	13.5%	13.1%	6.3%	12.1%	-3.5%	-13.7%	4.9%	13.2%
EPS (Diluted)	$1.21	$1.14	$0.52	$1.23	$-0.36	$-0.97	$0.42	$1.59
EBITDA	$48M	$25M	$19M	$35M	-$2M	-$29M	$17M	$39M
Shares Outstanding	25M	25M	25M	24M	24M	24M	24M	18M

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