Also trades as: FNB-PE (NYSE) · $vol 1M

$18.24

-0.09 (-0.49%)

After Hours: $18.27 (+0.04, +0.19%)

Weekly Expected Move ±3.1%

$17 $18 $18 $19 $19

NYSE · Financial Services · Banks - Regional · Tech Score Buy · Power 68 · $6.5B mcap · 347M float · 1.44% daily turnover · Short 65% of daily vol

Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: $29.2M held by 84 funds, 126 bp over Treasuries → details ▾

Not rated: lending and leverage are a financial company's business, which the model misreads.
Bond figures are fund-reported marks (SEC N-PORT) as of Jul 2026. How these are computed.

Income Trends

Revenue

$2.7B +4.9% ▲

5Y CAGR: +13.3%

Gross Profit

$1.7B +10.8% ▲

5Y CAGR: +8.6%

Operating Income

$669M +20.6% ▲

5Y CAGR: +14.3%

Net Income

$565M +21.6% ▲

5Y CAGR: +14.6%

EPS (Diluted)

$1.56 +22.8% ▲

5Y CAGR: +12.9%

EBITDA

$669M +7.6% ▲

5Y CAGR: +14.5%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$1.3B	$1.6B	$2.2B	$2.6B	$2.7B
YoY Growth	-7.4%	+20.4%	+38.5%	+15.3%	+4.9%
Cost of Revenue	$99M	$229M	$728M	$1.1B	$1.0B
Gross Profit	$1.2B	$1.4B	$1.5B	$1.5B	$1.7B
Gross Margin	92.6%	85.8%	67.3%	59.0%	62.3%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$450M	$462M	$540M	$566M	$716M
Operating Expenses	$733M	$826M	$915M	$961M	$1.0B
Operating Income	$503M	$553M	$584M	$555M	$669M
Operating Margin	37.7%	34.4%	26.2%	21.6%	24.8%
Interest Expense	$98M	$165M	$656M	$972M	$930M
Income Before Tax	$503M	$553M	$584M	$555M	$669M
Tax Expense	$98M	$114M	$99M	$90M	$104M
Net Income	$405M	$439M	$485M	$465M	$565M
Net Margin	30.3%	27.3%	21.8%	18.1%	21.0%
EPS (Diluted)	$1.23	$1.22	$1.31	$1.27	$1.56
EBITDA	$513M	$626M	$662M	$622M	$669M
Shares Outstanding	323M	354M	363M	363M	362M

Line Item	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2	FY2026 Q3
Revenue	$620M	$647M	$674M	$694M	$680M	$660M	$675M	$689M
Cost of Revenue	$270M	$253M	$261M	$261M	$241M	$228M	$234M	$239M
Gross Profit	$350M	$394M	$413M	$433M	$439M	$432M	$441M	$449M
Gross Margin	56.5%	60.9%	61.3%	62.4%	64.6%	65.4%	65.4%	65.3%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$142M	$148M	$144M	$143M	$181M	$186M	$218M	$188M
Operating Expenses	$248M	$246M	$247M	$243M	$273M	$258M	$253M	$227M
Operating Income	$102M	$147M	$166M	$190M	$166M	$174M	$188M	$223M
Operating Margin	16.5%	22.8%	24.6%	27.4%	24.4%	26.3%	27.9%	32.3%
Interest Expense	$247M	$236M	$235M	$237M	$222M	$210M	$212M	$219M
Income Before Tax	$102M	$147M	$166M	$190M	$166M	$174M	$188M	$193M
Tax Expense	-$8M	$31M	$36M	$40M	-$3M	$37M	$39M	$40M
Net Income	$110M	$117M	$130M	$150M	$169M	$137M	$149M	$153M
Net Margin	17.7%	18.0%	19.3%	21.6%	24.8%	20.8%	22.0%	22.2%
EPS (Diluted)	$0.30	$0.32	$0.36	$0.41	$0.47	$0.38	$0.42	$0.43
EBITDA	$120M	$166M	$185M	$208M	$188M	$197M	$213M	$223M
Shares Outstanding	366M	364M	362M	362M	362M	360M	357M	355M

FNB NYSE

Income Trends

Profit Margins

Year-over-Year Growth

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