$40.09

+0.29 (+0.73%)

After Hours: $40.50 (+0.41, +1.02%)

Weekly Expected Move ±3.0%

$37 $39 $40 $41 $42

NASDAQ · Financial Services · Banks - Regional · Tech Score Neutral · Power 56 · $1.7B mcap · 34M float · 0.965% daily turnover · Short 52% 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

$570M +5.5% ▲

5Y CAGR: +13.7%

Gross Profit

$395M +12.8% ▲

5Y CAGR: +9.0%

Operating Income

$125M +31.5% ▲

5Y CAGR: +17.0%

Net Income

$98M +29.5% ▲

5Y CAGR: +15.5%

EPS (Diluted)

$3.53 +31.2% ▲

5Y CAGR: +13.1%

EBITDA

$133M +26.4% ▲

5Y CAGR: +15.2%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$287M	$348M	$485M	$540M	$570M
YoY Growth	-4.2%	+21.1%	+39.5%	+11.3%	+5.5%
Cost of Revenue	$17M	$43M	$138M	$190M	$175M
Gross Profit	$270M	$305M	$347M	$350M	$395M
Gross Margin	94.0%	87.6%	71.5%	64.8%	69.3%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$159M	$142M	$142M	$164M	$167M
Operating Expenses	$218M	$231M	$215M	$255M	$270M
Operating Income	$52M	$74M	$131M	$95M	$125M
Operating Margin	18.0%	21.3%	27.1%	17.6%	22.0%
Interest Expense	$14M	$25M	$120M	$163M	$150M
Income Before Tax	$52M	$74M	$131M	$95M	$123M
Tax Expense	$9M	$15M	$28M	$19M	$25M
Net Income	$43M	$59M	$104M	$76M	$98M
Net Margin	15.0%	17.0%	21.3%	14.0%	17.2%
EPS (Diluted)	$1.74	$2.48	$4.08	$2.69	$3.53
EBITDA	$60M	$86M	$144M	$105M	$133M
Shares Outstanding	25M	24M	25M	28M	28M

Line Item	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2	FY2026 Q3
Revenue	$128M	$132M	$144M	$147M	$146M	$138M	$271M	$256M
Cost of Revenue	$44M	$40M	$43M	$50M	$42M	$42M	$127M	$81M
Gross Profit	$85M	$92M	$101M	$97M	$104M	$96M	$144M	$175M
Gross Margin	65.9%	69.9%	70.2%	65.9%	71.2%	69.8%	53.0%	68.5%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$48M	$40M	$40M	$45M	$44M	$57M	$84M	$79M
Operating Expenses	$64M	$63M	$68M	$69M	$70M	$70M	$172M	$127M
Operating Income	$20M	$30M	$33M	$28M	$34M	$26M	-$28M	$49M
Operating Margin	15.7%	22.5%	22.9%	19.2%	23.4%	19.1%	-10.3%	19.0%
Interest Expense	$39M	$36M	$38M	$40M	$36M	$33M	$87M	$76M
Income Before Tax	$20M	$30M	$33M	$28M	$32M	$26M	-$28M	$49M
Tax Expense	$4M	$6M	$7M	$5M	$7M	$5M	-$5M	$10M
Net Income	$16M	$24M	$26M	$23M	$25M	$22M	-$23M	$38M
Net Margin	12.7%	17.8%	18.3%	15.7%	17.0%	15.6%	-8.4%	15.0%
EPS (Diluted)	$0.58	$0.83	$0.93	$0.82	$0.88	$0.76	$-0.49	$0.82
EBITDA	$23M	$32M	$36M	$31M	$37M	$29M	$66M	$125M
Shares Outstanding	28M	28M	28M	28M	28M	28M	47M	47M

FSUN NASDAQ