$36.45

-0.36 (-0.98%)

After Hours: $36.55 (+0.09, +0.26%)

Weekly Expected Move ±2.5%

$35 $36 $37 $37 $38

NASDAQ · Financial Services · Banks - Regional · Tech Score Strong Buy · Power 76 · $507.0M mcap · 13M float · 0.559% daily turnover · Short 42% 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

$189M +7.1% ▲

5Y CAGR: +17.3%

Gross Profit

$118M +19.4% ▲

5Y CAGR: +11.6%

Operating Income

$43M +30.6% ▲

5Y CAGR: +11.0%

Net Income

$33M +28.4% ▲

5Y CAGR: +10.6%

EPS (Diluted)

$3.41 +79.5% ▲

5Y CAGR: +13.6%

EBITDA

$43M +9.2% ▲

5Y CAGR: +7.6%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$92M	$114M	$152M	$177M	$189M
YoY Growth	+8.1%	+23.3%	+33.8%	+16.1%	+7.1%
Cost of Revenue	$11M	$19M	$60M	$78M	$71M
Gross Profit	$81M	$95M	$92M	$99M	$118M
Gross Margin	88.3%	83.3%	60.4%	55.9%	62.3%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$38M	$38M	$45M	$48M	$10M
Operating Expenses	$52M	$54M	$64M	$66M	$75M
Operating Income	$29M	$40M	$28M	$33M	$43M
Operating Margin	32.0%	35.6%	18.6%	18.4%	22.5%
Interest Expense	$7M	$14M	$58M	$78M	$69M
Income Before Tax	$29M	$40M	$28M	$33M	$43M
Tax Expense	$6M	$8M	$6M	$7M	$9M
Net Income	$23M	$33M	$23M	$26M	$33M
Net Margin	25.5%	28.6%	15.0%	14.7%	17.6%
EPS (Diluted)	$2.01	$2.46	$1.67	$1.90	$3.41
EBITDA	$34M	$44M	$34M	$39M	$43M
Shares Outstanding	12M	13M	14M	13M	14M

Line Item	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2	FY2026 Q3
Revenue	$45M	$44M	$47M	$48M	$49M	$48M	$51M	$52M
Cost of Revenue	$19M	$18M	$18M	$18M	$17M	$16M	$17M	$17M
Gross Profit	$26M	$27M	$29M	$30M	$31M	$32M	$34M	$34M
Gross Margin	57.5%	60.3%	60.8%	62.6%	64.3%	66.2%	66.4%	66.4%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$12M	$13M	$13M	$13M	$2M	$3M	$13M	$16M
Operating Expenses	$16M	$18M	$19M	$19M	$18M	$19M	$19M	$20M
Operating Income	$11M	$9M	$10M	$11M	$13M	$12M	$15M	$14M
Operating Margin	23.2%	19.7%	20.6%	23.5%	26.4%	25.8%	29.1%	27.4%
Interest Expense	$19M	$17M	$18M	$18M	$17M	$16M	$17M	$17M
Income Before Tax	$11M	$9M	$10M	$11M	$13M	$12M	$15M	$14M
Tax Expense	$2M	$2M	$2M	$2M	$3M	$3M	$3M	$3M
Net Income	$8M	$7M	$8M	$9M	$10M	$10M	$12M	$12M
Net Margin	18.5%	15.6%	16.4%	18.5%	20.1%	20.0%	23.2%	22.2%
EPS (Diluted)	$0.61	$0.51	$0.56	$0.64	$0.71	$0.70	$0.86	$0.84
EBITDA	$12M	$10M	$11M	$13M	$15M	$14M	$16M	$31M
Shares Outstanding	14M	14M	14M	14M	14M	14M	14M	14M

FMAO NASDAQ