$8.89

+0.03 (+0.34%)

Weekly Expected Move ±4.3%

$8 $9 $9 $9 $10

NYSE · Financial Services · Insurance - Diversified · Tech Score Strong Sell · Power 33 · $3.4B mcap · 369M float · 0.943% daily turnover · Short 58% 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

$6.4B -10.9% ▼

5Y CAGR: -5.0%

Gross Profit

$1.5B +177.1% ▲

5Y CAGR: +8.0%

Operating Income

$433M -27.2% ▼

5Y CAGR: -14.1%

Net Income

$223M -25.4% ▼

5Y CAGR: +4.6%

EPS (Diluted)

$0.54 -20.6% ▼

5Y CAGR: -18.4%

EBITDA

$631M -11.1% ▼

5Y CAGR: -10.9%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$7.6B	$7.4B	$7.4B	$7.1B	$6.4B
YoY Growth	-9.5%	-4.1%	-0.3%	-4.6%	-10.9%
Cost of Revenue	$6.5B	$6.0B	$7.1B	$6.6B	$4.8B
Gross Profit	$1.0B	$1.4B	$304M	$558M	$1.5B
Gross Margin	13.8%	18.6%	4.1%	7.8%	24.3%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$0	$0	$0	$0	$0
Operating Expenses	-$63M	$7M	$1M	-$37M	$1.1B
Operating Income	$1.1B	$1.4B	$303M	$595M	$433M
Operating Margin	14.6%	18.5%	4.1%	8.3%	6.8%
Interest Expense	$160M	$106M	$118M	$115M	$105M
Income Before Tax	$1.1B	$1.4B	$303M	$595M	$433M
Tax Expense	$248M	$319M	$104M	$158M	$84M
Net Income	$850M	$916M	$76M	$299M	$223M
Net Margin	11.2%	12.4%	1.0%	4.2%	3.5%
EPS (Diluted)	$1.76	$1.19	$0.16	$0.68	$0.54
EBITDA	$1.3B	$1.5B	$421M	$710M	$631M
Shares Outstanding	515M	511M	475M	439M	414M

Line Item	FY2024 Q3	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2
Revenue	$1.8B	$1.7B	$1.8B	$1.7B	$1.9B	$1.5B	$1.7B	$1.9B
Cost of Revenue	$1.7B	$1.7B	$1.6B	$1.6B	$1.7B	$1.2B	$1.2B	$0
Gross Profit	$153M	$22M	$144M	$82M	$129M	$311M	$499M	$1.9B
Gross Margin	8.3%	1.3%	8.1%	4.7%	6.9%	20.8%	29.0%	100.0%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$0	$0	$0	$0	$0	$0	$0	$0
Operating Expenses	-$8M	-$33M	$18M	-$43M	-$35M	$293M	$388M	$1.8B
Operating Income	$161M	$55M	$126M	$125M	$164M	$18M	$111M	$109M
Operating Margin	8.7%	3.2%	7.1%	7.2%	8.8%	1.2%	6.4%	5.7%
Interest Expense	$28M	$27M	$26M	$26M	$27M	$26M	$25M	$26M
Income Before Tax	$161M	$55M	$126M	$125M	$164M	$18M	$111M	$109M
Tax Expense	$40M	$20M	$36M	$35M	$9M	$4M	$31M	$26M
Net Income	$85M	-$1M	$54M	$51M	$116M	$2M	$47M	$47M
Net Margin	4.6%	-0.1%	3.0%	3.0%	6.2%	0.1%	2.7%	2.5%
EPS (Diluted)	$0.20	$-0.00	$0.13	$0.12	$0.28	$0.01	$0.12	$0.13
EBITDA	$189M	$82M	$152M	$151M	$191M	$44M	$191M	$189M
Shares Outstanding	436M	431M	423M	418M	413M	396M	394M	386M

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