$46.03

+0.36 (+0.79%)

Weekly Expected Move ±4.7%

$42 $44 $46 $48 $50

NASDAQ · Financial Services · Banks - Regional · Tech Score Buy · Power 70 · $297.1M mcap · 6M float · 0.479% daily turnover · Short 57% 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

$119M +6.6% ▲

5Y CAGR: +9.2%

Gross Profit

$84M +8.9% ▲

5Y CAGR: +6.2%

Operating Income

$33M +19.5% ▲

5Y CAGR: +12.8%

Net Income

$25M +19.2% ▲

5Y CAGR: +12.1%

EPS (Diluted)

$3.77 +19.7% ▲

5Y CAGR: +13.1%

EBITDA

$33M +4.9% ▲

5Y CAGR: +8.8%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$79M	$80M	$96M	$112M	$119M
YoY Growth	+2.2%	+2.3%	+18.9%	+16.9%	+6.6%
Cost of Revenue	$5M	$4M	$26M	$35M	$35M
Gross Profit	$74M	$76M	$70M	$77M	$84M
Gross Margin	93.8%	94.8%	73.0%	68.8%	70.2%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$26M	$26M	$30M	$31M	$35M
Operating Expenses	$47M	$43M	$50M	$50M	$51M
Operating Income	$26M	$33M	$19M	$27M	$33M
Operating Margin	33.5%	41.2%	20.4%	24.4%	27.3%
Interest Expense	$6M	$5M	$24M	$32M	$33M
Income Before Tax	$26M	$33M	$19M	$27M	$33M
Tax Expense	$7M	$8M	$4M	$7M	$8M
Net Income	$20M	$25M	$15M	$21M	$25M
Net Margin	25.1%	31.1%	15.8%	18.4%	20.6%
EPS (Diluted)	$2.94	$3.76	$2.25	$3.15	$3.77
EBITDA	$30M	$37M	$24M	$31M	$33M
Shares Outstanding	7M	7M	7M	7M	7M

Line Item	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2	FY2026 Q3
Revenue	$29M	$29M	$30M	$31M	$30M	$31M	$31M	$33M
Cost of Revenue	$9M	$9M	$9M	$9M	$9M	$9M	$8M	$9M
Gross Profit	$20M	$20M	$21M	$22M	$21M	$22M	$23M	$23M
Gross Margin	70.3%	70.0%	69.9%	71.6%	69.9%	72.5%	73.4%	71.5%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$8M	$8M	$8M	$8M	$9M	$10M	$10M	$9M
Operating Expenses	$12M	$13M	$13M	$13M	$13M	$14M	$16M	$14M
Operating Income	$8M	$8M	$8M	$9M	$8M	$9M	$7M	$9M
Operating Margin	28.3%	26.6%	26.6%	29.8%	25.9%	28.6%	23.5%	29.1%
Interest Expense	$8M	$8M	$8M	$8M	$8M	$8M	$8M	$7M
Income Before Tax	$8M	$8M	$8M	$9M	$8M	$9M	$7M	$9M
Tax Expense	$2M	$2M	$2M	$2M	$2M	$2M	$2M	$2M
Net Income	$6M	$6M	$6M	$7M	$6M	$7M	$6M	$7M
Net Margin	21.5%	20.0%	20.0%	22.4%	19.6%	21.5%	18.0%	22.0%
EPS (Diluted)	$0.95	$0.89	$0.92	$1.07	$0.89	$1.03	$0.87	$1.11
EBITDA	$9M	$9M	$9M	$10M	$8M	$10M	$8M	$9M
Shares Outstanding	6M	6M	7M	7M	7M	6M	6M	6M

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