$32.54

-0.13 (-0.40%)

After Hours: $33.34 (+0.80, +2.44%)

Weekly Expected Move ±2.7%

$31 $32 $33 $34 $34

NASDAQ · Financial Services · Banks - Regional · Tech Score Buy · Power 63 · $3.4B mcap · 104M float · 0.922% daily turnover · Short 67% 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.

Income Trends

Revenue

$1.3B +2.7% ▲

5Y CAGR: +12.0%

Gross Profit

$862M +9.4% ▲

5Y CAGR: +8.4%

Operating Income

$321M +19.7% ▲

5Y CAGR: +11.7%

Net Income

$256M +11.7% ▲

5Y CAGR: +10.4%

EPS (Diluted)

$2.66 +10.8% ▲

5Y CAGR: +10.8%

EBITDA

$343M +11.9% ▲

5Y CAGR: +8.8%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$655M	$775M	$1.1B	$1.2B	$1.3B
YoY Growth	-8.3%	+18.3%	+44.0%	+9.9%	+2.7%
Cost of Revenue	$13M	$78M	$318M	$438M	$398M
Gross Profit	$642M	$697M	$797M	$788M	$862M
Gross Margin	98.0%	90.0%	71.5%	64.3%	68.4%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$260M	$306M	$347M	$369M	$374M
Operating Expenses	$401M	$455M	$478M	$520M	$541M
Operating Income	$241M	$242M	$319M	$268M	$321M
Operating Margin	36.8%	31.2%	28.6%	21.9%	25.5%
Interest Expense	$31M	$66M	$275M	$390M	$360M
Income Before Tax	$241M	$242M	$319M	$268M	$321M
Tax Expense	$36M	$24M	$63M	$39M	$66M
Net Income	$205M	$218M	$256M	$229M	$256M
Net Margin	31.3%	28.1%	22.9%	18.7%	20.3%
EPS (Diluted)	$2.14	$2.30	$2.69	$2.40	$2.66
EBITDA	$280M	$281M	$356M	$307M	$343M
Shares Outstanding	96M	95M	95M	95M	96M

Line Item	FY2024 Q3	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2
Revenue	$303M	$321M	$292M	$314M	$324M	$330M	$364M	$314M
Cost of Revenue	$112M	$107M	$100M	$97M	$99M	$101M	$101M	$101M
Gross Profit	$191M	$215M	$192M	$217M	$225M	$229M	$263M	$213M
Gross Margin	63.0%	66.8%	65.8%	69.0%	69.5%	69.3%	72.2%	67.7%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$92M	$98M	$93M	$93M	$99M	$88M	$112M	$118M
Operating Expenses	$126M	$148M	$128M	$129M	$134M	$150M	$169M	$118M
Operating Income	$65M	$67M	$64M	$88M	$91M	$79M	$94M	$94M
Operating Margin	21.4%	20.8%	21.8%	28.0%	28.0%	24.0%	25.7%	30.1%
Interest Expense	$102M	$97M	$91M	$88M	$90M	$91M	$93M	$91M
Income Before Tax	$65M	$67M	$64M	$88M	$91M	$79M	$94M	$94M
Tax Expense	$12M	$2M	$12M	$18M	$19M	$17M	$19M	$18M
Net Income	$52M	$65M	$51M	$70M	$72M	$62M	$74M	$76M
Net Margin	17.3%	20.2%	17.6%	22.3%	22.2%	18.9%	20.4%	24.3%
EPS (Diluted)	$0.55	$0.68	$0.54	$0.73	$0.75	$0.64	$0.71	$0.73
EBITDA	$73M	$82M	$71M	$95M	$98M	$97M	$107M	$107M
Shares Outstanding	95M	95M	96M	96M	96M	96M	105M	105M

FFBC NASDAQ

Income Trends

Profit Margins

Year-over-Year Growth

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