$49.06

+0.06 (+0.12%)

Weekly Expected Move ±3.4%

$45 $46 $48 $49 $51

NYSE · Financial Services · Banks - Regional · Tech Score Buy · Power 78 · $6.4B mcap · 130M float · 0.902% daily turnover · Short 66% 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.

Income Trends

Revenue

$1.4B +14.5% ▲

5Y CAGR: +12.5%

Gross Profit

$983M +25.8% ▲

5Y CAGR: +6.3%

Operating Income

$326M +44.0% ▲

5Y CAGR: -0.1%

Net Income

$239M +25.7% ▲

5Y CAGR: -2.1%

EPS (Diluted)

$1.99 +18.5% ▲

5Y CAGR: -6.7%

EBITDA

$365M +36.2% ▲

5Y CAGR: +0.3%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$813M	$933M	$1.1B	$1.2B	$1.4B
YoY Growth	+2.9%	+14.8%	+19.5%	+11.6%	+14.5%
Cost of Revenue	$42M	$61M	$341M	$464M	$442M
Gross Profit	$771M	$872M	$775M	$782M	$983M
Gross Margin	94.9%	93.4%	69.4%	62.8%	69.0%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$294M	$352M	$359M	$384M	$454M
Operating Expenses	$422M	$502M	$507M	$555M	$657M
Operating Income	$349M	$370M	$268M	$226M	$326M
Operating Margin	43.0%	39.7%	24.0%	18.2%	22.9%
Interest Expense	$19M	$41M	$326M	$435M	$407M
Income Before Tax	$349M	$370M	$268M	$226M	$290M
Tax Expense	$65M	$67M	$45M	$36M	$51M
Net Income	$285M	$303M	$223M	$190M	$239M
Net Margin	35.0%	32.5%	20.0%	15.3%	16.8%
EPS (Diluted)	$2.86	$2.74	$2.01	$1.68	$1.99
EBITDA	$381M	$407M	$305M	$268M	$365M
Shares Outstanding	99M	111M	111M	113M	130M

Line Item	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2	FY2026 Q3
Revenue	$322M	$317M	$335M	$360M	$413M	$400M	$365M	$420M
Cost of Revenue	$114M	$108M	$121M	$107M	$107M	$100M	$89M	$95M
Gross Profit	$208M	$209M	$214M	$253M	$307M	$300M	$276M	$325M
Gross Margin	64.6%	66.0%	64.0%	70.2%	74.2%	75.1%	75.7%	77.3%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$93M	$103M	$107M	$129M	$116M	$131M	$187M	$154M
Operating Expenses	$135M	$146M	$149M	$168M	$195M	$200M	$193M	$192M
Operating Income	$73M	$63M	$65M	$85M	$112M	$100M	$83M	$133M
Operating Margin	22.8%	20.0%	19.4%	23.7%	27.1%	25.0%	22.8%	31.6%
Interest Expense	$106M	$100M	$100M	$100M	$107M	$94M	$89M	$90M
Income Before Tax	$73M	$63M	$65M	$85M	$76M	$100M	$124M	$133M
Tax Expense	$12M	$9M	$12M	$17M	$13M	$18M	$27M	$28M
Net Income	$62M	$55M	$53M	$68M	$64M	$82M	$98M	$105M
Net Margin	19.2%	17.2%	15.7%	18.8%	15.4%	20.5%	26.8%	24.9%
EPS (Diluted)	$0.54	$0.48	$0.45	$0.60	$0.49	$0.63	$0.75	$0.80
EBITDA	$84M	$74M	$77M	$97M	$117M	$114M	$129M	$223M
Shares Outstanding	113M	114M	114M	114M	130M	130M	130M	130M

GBCI NYSE

Income Trends

Profit Margins

Year-over-Year Growth

Sign in to InsiderStreet