$246.88

-4.42 (-1.76%)

Weekly Expected Move ±4.6%

$230 $242 $254 $265 $277

NASDAQ · Financial Services · Insurance - Property & Casualty · Tech Score Buy · Power 73 · $11.4B mcap · 25M float · 1.03% daily turnover · Short 73% 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

$4.1B +7.2% ▲

5Y CAGR: +9.9%

Gross Profit

$641M -5.3% ▼

5Y CAGR: +13.6%

Operating Income

$720M +6.4% ▲

5Y CAGR: +16.3%

Net Income

$559M -6.8% ▼

5Y CAGR: +13.8%

EPS (Diluted)

$10.62 -7.5% ▼

5Y CAGR: +13.6%

EBITDA

$787M +2.7% ▲

5Y CAGR: +17.1%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$2.6B	$2.8B	$3.3B	$3.8B	$4.1B
YoY Growth	+3.9%	+6.8%	+16.1%	+16.7%	+7.2%
Cost of Revenue	$2.3B	$2.5B	$2.7B	$3.1B	$3.4B
Gross Profit	$318M	$376M	$520M	$676M	$641M
Gross Margin	12.1%	13.2%	15.9%	17.8%	15.8%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$4M	$6M	$33M	$33M	$74M
Operating Expenses	$0	$0	$0	$0	-$79M
Operating Income	$318M	$376M	$520M	$676M	$720M
Operating Margin	12.1%	13.2%	15.9%	17.8%	17.7%
Interest Expense	$4M	$2M	$0	$0	$0
Income Before Tax	$376M	$376M	$562M	$757M	$711M
Tax Expense	$79M	$78M	$116M	$157M	$151M
Net Income	$298M	$299M	$446M	$600M	$559M
Net Margin	11.3%	10.5%	13.6%	15.8%	13.8%
EPS (Diluted)	$5.69	$5.71	$8.53	$11.48	$10.62
EBITDA	$351M	$428M	$600M	$766M	$787M
Shares Outstanding	46M	46M	53M	53M	53M

Line Item	FY2024 Q3	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2
Revenue	$1000M	$924M	$989M	$1.1B	$1.3B	$951M	$1.0B	$1.1B
Cost of Revenue	$820M	$757M	$838M	$861M	$858M	$812M	$865M	$886M
Gross Profit	$180M	$167M	$151M	$199M	$446M	$139M	$147M	$204M
Gross Margin	18.0%	18.1%	15.3%	18.8%	34.2%	14.6%	14.5%	18.7%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$5M	$15M	$6M	$6M	$216M	$19M	$19M	$0
Operating Expenses	$0	$0	$0	$0	$236M	-$19M	-$19M	$0
Operating Income	$180M	$167M	$151M	$199M	$210M	$158M	$166M	$204M
Operating Margin	18.0%	18.1%	15.3%	18.8%	16.1%	16.6%	16.4%	18.7%
Interest Expense	$0	$0	$0	$0	$0	$0	$0	$0
Income Before Tax	$201M	$192M	$175M	$221M	$233M	$82M	$190M	$228M
Tax Expense	$41M	$40M	$36M	$46M	$50M	$19M	$40M	$48M
Net Income	$160M	$152M	$138M	$175M	$183M	$63M	$150M	$180M
Net Margin	16.0%	16.5%	14.0%	16.5%	14.0%	6.7%	14.9%	16.5%
EPS (Diluted)	$3.06	$2.91	$2.65	$3.34	$3.47	$1.20	$2.86	$3.45
EBITDA	$197M	$197M	$172M	$219M	$229M	$101M	$210M	$228M
Shares Outstanding	52M	52M	58M	52M	53M	53M	53M	52M

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