$30.20

+0.20 (+0.67%)

After Hours: $32.64 (+2.44, +8.06%)

Weekly Expected Move ±3.1%

$28 $29 $30 $31 $32

NASDAQ · Financial Services · Banks - Regional · Tech Score Strong Sell · Power 40 · $4.3B mcap · 138M float · 0.650% daily turnover · Short 28% 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

Income Trends

Revenue

$826M +11.7% ▲

5Y CAGR: +10.9%

Gross Profit

$593M +13.4% ▲

5Y CAGR: +5.3%

Operating Income

$310M +13.9% ▲

5Y CAGR: +5.0%

Net Income

$254M +13.5% ▲

5Y CAGR: +4.7%

EPS (Diluted)

$1.77 +13.5% ▲

5Y CAGR: +4.5%

EBITDA

$320M +12.2% ▲

5Y CAGR: +4.6%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$506M	$551M	$622M	$739M	$826M
YoY Growth	+2.8%	+9.0%	+12.9%	+18.8%	+11.7%
Cost of Revenue	$5M	$49M	$155M	$216M	$233M
Gross Profit	$501M	$502M	$467M	$523M	$593M
Gross Margin	99.0%	91.1%	75.1%	70.8%	71.8%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$151M	$143M	$145M	$166M	$215M
Operating Expenses	$229M	$222M	$224M	$251M	$284M
Operating Income	$272M	$281M	$243M	$272M	$310M
Operating Margin	53.8%	51.0%	39.1%	36.8%	37.5%
Interest Expense	$6M	$31M	$144M	$202M	$202M
Income Before Tax	$272M	$281M	$243M	$272M	$310M
Tax Expense	$44M	$46M	$44M	$48M	$56M
Net Income	$228M	$234M	$199M	$224M	$254M
Net Margin	45.0%	42.5%	32.0%	30.2%	30.7%
EPS (Diluted)	$1.59	$1.64	$1.39	$1.56	$1.77
EBITDA	$285M	$294M	$256M	$285M	$320M
Shares Outstanding	143M	143M	143M	143M	143M

Line Item	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2	FY2026 Q3
Revenue	$193M	$194M	$206M	$210M	$216M	$215M	$222M	$225M
Cost of Revenue	$51M	$52M	$52M	$77M	$52M	$50M	$53M	$53M
Gross Profit	$143M	$142M	$153M	$133M	$165M	$165M	$169M	$172M
Gross Margin	73.8%	73.2%	74.6%	63.3%	76.2%	76.5%	76.0%	76.6%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$45M	$45M	$46M	$46M	$78M	$52M	$56M	$54M
Operating Expenses	$67M	$67M	$72M	$70M	$75M	$77M	$81M	$81M
Operating Income	$76M	$75M	$82M	$63M	$90M	$88M	$87M	$91M
Operating Margin	39.3%	38.8%	39.7%	30.0%	41.4%	40.8%	39.4%	40.5%
Interest Expense	$50M	$48M	$49M	$53M	$52M	$48M	$49M	$51M
Income Before Tax	$76M	$75M	$82M	$63M	$90M	$88M	$87M	$91M
Tax Expense	$14M	$14M	$15M	$11M	$16M	$16M	$16M	$17M
Net Income	$62M	$61M	$67M	$52M	$73M	$72M	$72M	$74M
Net Margin	32.2%	31.7%	32.4%	24.9%	33.9%	33.3%	32.4%	33.1%
EPS (Diluted)	$0.43	$0.43	$0.47	$0.36	$0.51	$0.50	$0.50	$0.52
EBITDA	$79M	$79M	$85M	$67M	$90M	$91M	$91M	$91M
Shares Outstanding	143M	143M	142M	143M	143M	144M	144M	144M

FFIN NASDAQ

Revenue Segmentation

By Product / Service

Income Trends

Profit Margins

Year-over-Year Growth

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