$25.27

-0.07 (-0.28%)

Pre-Market: $25.11 (-0.16, -0.63%)

Weekly Expected Move ±3.3%

$24 $25 $25 $26 $27

NASDAQ · Financial Services · Banks - Regional · Tech Score Neutral · Power 54 · $3.1B mcap · 121M float · 1.89% 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

$1.2B +3.2% ▲

5Y CAGR: +9.0%

Gross Profit

$854M +12.3% ▲

5Y CAGR: +7.7%

Operating Income

$354M +21.1% ▲

5Y CAGR: +7.8%

Net Income

$276M +20.0% ▲

5Y CAGR: +8.3%

EPS (Diluted)

$2.20 +22.9% ▲

5Y CAGR: +9.0%

EBITDA

$354M +7.1% ▲

5Y CAGR: +2.9%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$709M	$812M	$1.1B	$1.1B	$1.2B
YoY Growth	-6.5%	+14.5%	+34.6%	+3.6%	+3.2%
Cost of Revenue	-$20M	$51M	$314M	$372M	$315M
Gross Profit	$729M	$761M	$779M	$760M	$854M
Gross Margin	102.9%	93.7%	71.3%	67.1%	73.1%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$188M	$207M	$233M	$243M	$401M
Operating Expenses	$380M	$409M	$470M	$467M	$499M
Operating Income	$349M	$351M	$309M	$293M	$354M
Operating Margin	49.2%	43.3%	28.3%	25.8%	30.3%
Interest Expense	$19M	$50M	$287M	$357M	$288M
Income Before Tax	$349M	$351M	$309M	$293M	$354M
Tax Expense	$83M	$86M	$74M	$62M	$78M
Net Income	$266M	$266M	$235M	$230M	$276M
Net Margin	37.5%	32.7%	21.5%	20.3%	23.6%
EPS (Diluted)	$2.05	$2.08	$1.84	$1.79	$2.20
EBITDA	$401M	$408M	$352M	$331M	$354M
Shares Outstanding	130M	128M	128M	128M	126M

Line Item	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2	FY2026 Q3
Revenue	$262M	$278M	$282M	$291M	$292M	$283M	$110M	$291M
Cost of Revenue	$81M	$85M	$78M	$78M	$74M	$67M	$67M	$81M
Gross Profit	$181M	$193M	$205M	$213M	$218M	$215M	$43M	$210M
Gross Margin	69.2%	69.3%	72.5%	73.3%	74.6%	76.2%	39.3%	72.2%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$61M	$62M	$18M	$64M	$102M	$89M	$105M	$88M
Operating Expenses	$116M	$116M	$117M	$117M	$125M	$128M	$130M	$160M
Operating Income	$65M	$77M	$88M	$96M	$93M	$87M	-$87M	$50M
Operating Margin	24.7%	27.7%	31.2%	33.0%	31.8%	31.0%	-78.6%	17.2%
Interest Expense	$81M	$75M	$73M	$73M	$67M	$62M	$61M	$60M
Income Before Tax	$65M	$77M	$88M	$96M	$93M	$87M	$95M	$50M
Tax Expense	$12M	$18M	$15M	$22M	$23M	$20M	$22M	-$14M
Net Income	$52M	$59M	$73M	$74M	$70M	$68M	$73M	$64M
Net Margin	20.1%	21.3%	25.9%	25.4%	23.9%	24.0%	66.4%	21.9%
EPS (Diluted)	$0.41	$0.47	$0.58	$0.59	$0.56	$0.55	$0.60	$0.52
EBITDA	$74M	$85M	$97M	$104M	$101M	$96M	-$79M	$110M
Shares Outstanding	128M	127M	126M	125M	124M	123M	123M	122M

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