$10.45

-0.05 (-0.48%)

Weekly Expected Move ±2.4%

$10 $11 $11 $11 $11

NASDAQ · Financial Services · Banks - Regional · Tech Score Sell · Power 36 · $145.1M mcap · 9M float · 0.384% daily turnover · Short 37% 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

$151M +54.9% ▲

5Y CAGR: +28.1%

Gross Profit

$92M +30.7% ▲

5Y CAGR: +20.1%

Operating Income

$22M +28.1% ▲

5Y CAGR: +7.5%

Net Income

$16M +26.3% ▲

5Y CAGR: +7.5%

EPS (Diluted)

$1.13 +21.5% ▲

5Y CAGR: -1.4%

EBITDA

$22M -2.3% ▼

5Y CAGR: +6.1%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$81M	$90M	$87M	$97M	$151M
YoY Growth	+85.0%	+11.3%	-4.0%	+12.6%	+54.9%
Cost of Revenue	$9M	$15M	$22M	$27M	$59M
Gross Profit	$72M	$75M	$65M	$70M	$92M
Gross Margin	88.5%	83.4%	75.0%	72.3%	61.0%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$22M	$24M	$26M	$35M	$44M
Operating Expenses	$30M	$39M	$41M	$53M	$70M
Operating Income	$42M	$36M	$24M	$17M	$22M
Operating Margin	52.1%	39.9%	27.5%	17.4%	14.4%
Interest Expense	$1M	$1M	$10M	$15M	$20M
Income Before Tax	$42M	$36M	$24M	$17M	$22M
Tax Expense	$11M	$11M	$6M	$4M	$6M
Net Income	$32M	$25M	$17M	$13M	$16M
Net Margin	38.9%	27.8%	20.2%	13.1%	10.7%
EPS (Diluted)	$3.27	$1.87	$1.33	$0.93	$1.13
EBITDA	$43M	$38M	$28M	$22M	$22M
Shares Outstanding	9M	13M	13M	13M	14M

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