$309.54

-13.85 (-4.28%)

After Hours: $313.57 (+4.03, +1.30%)

Weekly Expected Move ±5.9%

$292 $312 $331 $351 $371

NYSE · Financial Services · Financial - Data & Stock Exchanges · Tech Score Strong Buy · Power 66 · $11.5B mcap · 35M float · 2.51% daily turnover · Short 62% of daily vol

Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: $40.7M held by 91 funds, 107 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

$2.5B +6.7% ▲

5Y CAGR: +9.2%

Gross Profit

$1.3B +2.4% ▲

5Y CAGR: +9.3%

Operating Income

$700M -6.5% ▼

5Y CAGR: +8.1%

Net Income

$533M -10.6% ▼

5Y CAGR: +5.9%

EPS (Diluted)

$14.57 -6.3% ▼

5Y CAGR: +7.1%

EBITDA

$913M -5.5% ▼

5Y CAGR: +9.5%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2022	FY2023	FY2024	FY2025	FY2026
Revenue	$1.8B	$2.1B	$2.2B	$2.3B	$2.5B
YoY Growth	+15.9%	+13.1%	+5.6%	+5.4%	+6.7%
Cost of Revenue	$871M	$973M	$1.0B	$1.1B	$1.2B
Gross Profit	$973M	$1.1B	$1.2B	$1.2B	$1.3B
Gross Margin	52.8%	53.3%	54.1%	52.7%	50.6%
R&D Expenses	$0	$0	$0	$301M	$0
SG&A Expenses	$433M	$160M	$213M	$476M	$553M
Operating Expenses	$497M	$483M	$490M	$476M	$553M
Operating Income	$475M	$630M	$701M	$748M	$700M
Operating Margin	25.8%	30.2%	31.8%	32.2%	28.3%
Interest Expense	$36M	$66M	$66M	$56M	$55M
Income Before Tax	$444M	$585M	$652M	$721M	$650M
Tax Expense	$47M	$117M	$114M	$124M	$116M
Net Income	$397M	$468M	$537M	$597M	$533M
Net Margin	21.5%	22.4%	24.4%	25.7%	21.5%
EPS (Diluted)	$10.25	$12.04	$13.91	$15.55	$14.57
EBITDA	$610M	$788M	$873M	$966M	$913M
Shares Outstanding	39M	39M	39M	38M	37M

Line Item	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2	FY2026 Q3	FY2026 Q4
Revenue	$569M	$571M	$586M	$597M	$608M	$611M	$623M	$635M
Cost of Revenue	$259M	$270M	$281M	$289M	$288M	$297M	$312M	$326M
Gross Profit	$310M	$301M	$305M	$308M	$320M	$314M	$311M	$308M
Gross Margin	54.5%	52.8%	52.1%	51.6%	52.6%	51.4%	49.9%	48.6%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$115M	$116M	$111M	$131M	$128M	$129M	$144M	$152M
Operating Expenses	$119M	$116M	$111M	$131M	$128M	$129M	$144M	$152M
Operating Income	$191M	$185M	$194M	$177M	$192M	$185M	$166M	$157M
Operating Margin	33.6%	32.5%	33.2%	29.7%	31.6%	30.3%	26.7%	24.7%
Interest Expense	$14M	$14M	$15M	$13M	$13M	$40M	$14M	$14M
Income Before Tax	$180M	$172M	$180M	$189M	$190M	$161M	$154M	$144M
Tax Expense	$30M	$27M	$31M	$35M	$38M	$28M	$27M	$23M
Net Income	$150M	$145M	$149M	$154M	$153M	$133M	$127M	$121M
Net Margin	26.4%	25.4%	25.4%	25.7%	25.1%	21.8%	20.3%	19.1%
EPS (Diluted)	$3.89	$3.76	$3.88	$4.03	$4.06	$3.59	$3.51	$3.41
EBITDA	$237M	$232M	$244M	$252M	$256M	$226M	$222M	$212M
Shares Outstanding	39M	39M	38M	38M	38M	37M	37M	36M

FDS NYSE