$24.25

-1.21 (-4.75%)

After Hours: $24.19 (-0.06, -0.25%)

Weekly Expected Move ±5.1%

$22 $23 $24 $25 $26

NASDAQ · Financial Services · Insurance - Property & Casualty · Tech Score Neutral · Power 45 · $372.8M mcap · 10M float · 0.080% daily turnover · Short 35% 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

By Geography

Revenue by Segment (5-Year Trend)

Income Trends

Revenue

$450M +2.0% ▲

5Y CAGR: -5.1%

Gross Profit

$222M +175.0% ▲

5Y CAGR: +47.5%

Operating Income

$33M -39.4% ▼

Net Income

$25M -41.4% ▼

EPS (Diluted)

$1.75 -43.9% ▼

EBITDA

$39M -35.8% ▼

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$678M	$629M	$528M	$441M	$450M
YoY Growth	+16.2%	-7.3%	-16.0%	-16.5%	+2.0%
Cost of Revenue	$608M	$596M	$472M	$361M	$228M
Gross Profit	$70M	$33M	$56M	$81M	$222M
Gross Margin	10.4%	5.2%	10.7%	18.3%	49.3%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$20M	$14M	$23M	$0	$0
Operating Expenses	$38M	$31M	$23M	$26M	$189M
Operating Income	$33M	$2M	$33M	$55M	$33M
Operating Margin	4.8%	0.3%	6.2%	12.5%	7.4%
Interest Expense	$10M	$3M	$0	$0	$0
Income Before Tax	$33M	$2M	$33M	$55M	$33M
Tax Expense	$3M	$3M	$8M	$12M	$8M
Net Income	$29M	-$850K	$25M	$43M	$25M
Net Margin	4.3%	-0.1%	4.8%	9.8%	5.6%
EPS (Diluted)	$1.97	$-0.09	$1.83	$3.12	$1.75
EBITDA	$54M	$13M	$39M	$61M	$39M
Shares Outstanding	15M	14M	14M	14M	14M

Line Item	FY2024 Q3	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2
Revenue	$112M	$108M	$109M	$111M	$114M	$117M	$109M	$116M
Cost of Revenue	$90M	$89M	$104M	$90M	$90M	$101M	$95M	$53M
Gross Profit	$22M	$19M	$4M	$21M	$24M	$16M	$15M	$63M
Gross Margin	19.5%	17.7%	4.1%	18.7%	20.9%	13.7%	13.3%	54.3%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$0	$13M	$10M	$8M	$0	$0	$0	$0
Operating Expenses	$6M	$7M	$10M	$8M	$8M	$7M	$9M	$49M
Operating Income	$16M	$12M	-$5M	$13M	$16M	$9M	$6M	$14M
Operating Margin	14.2%	11.2%	-4.7%	11.9%	14.1%	7.9%	5.1%	12.4%
Interest Expense	$0	-$17K	$0	$3M	$0	$0	$0	$0
Income Before Tax	$16M	$12M	-$5M	$13M	$16M	$9M	$6M	$14M
Tax Expense	$3M	$3M	-$1M	$3M	$4M	$3M	$1M	$3M
Net Income	$13M	$9M	-$4M	$10M	$13M	$6M	$4M	$11M
Net Margin	11.4%	8.3%	-3.7%	9.4%	11.0%	5.5%	3.9%	9.5%
EPS (Diluted)	$0.92	$0.65	$-0.30	$0.71	$0.86	$0.44	$0.29	$0.76
EBITDA	$17M	$14M	-$4M	$15M	$17M	$11M	$7M	$16M
Shares Outstanding	14M	14M	14M	14M	14M	14M	14M	14M

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