$81.47

-0.01 (-0.01%)

After Hours: $82.02 (+0.55, +0.67%)

Weekly Expected Move ±2.6%

$77 $79 $81 $83 $85

NASDAQ · Financial Services · Banks - Regional · Tech Score Buy · Power 63 · $887.8M mcap · 8M float · 1.27% daily turnover · Short 72% 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

$343M -3.4% ▼

5Y CAGR: +6.3%

Gross Profit

$230M +5.9% ▲

5Y CAGR: +3.2%

Operating Income

$87M +15.6% ▲

5Y CAGR: +3.6%

Net Income

$71M +14.8% ▲

5Y CAGR: +3.7%

EPS (Diluted)

$6.19 +17.7% ▲

5Y CAGR: +8.0%

EBITDA

$87M +3.4% ▲

5Y CAGR: +0.5%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$237M	$261M	$327M	$355M	$343M
YoY Growth	-6.2%	+10.2%	+25.2%	+8.7%	-3.4%
Cost of Revenue	$15M	$34M	$101M	$138M	$114M
Gross Profit	$222M	$228M	$226M	$217M	$230M
Gross Margin	93.7%	87.2%	69.2%	61.1%	66.9%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$76M	$82M	$86M	$86M	$115M
Operating Expenses	$128M	$133M	$141M	$141M	$142M
Operating Income	$94M	$94M	$85M	$75M	$87M
Operating Margin	39.8%	36.1%	26.1%	21.3%	25.4%
Interest Expense	$21M	$27M	$104M	$136M	$113M
Income Before Tax	$94M	$94M	$85M	$75M	$87M
Tax Expense	$20M	$18M	$18M	$14M	$16M
Net Income	$75M	$76M	$68M	$62M	$71M
Net Margin	31.5%	29.1%	20.7%	17.4%	20.7%
EPS (Diluted)	$5.46	$6.02	$5.61	$5.26	$6.19
EBITDA	$106M	$104M	$95M	$84M	$87M
Shares Outstanding	14M	13M	12M	12M	11M

Line Item	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2	FY2026 Q3
Revenue	$90M	$87M	$89M	$87M	$81M	$71M	$80M	$77M
Cost of Revenue	$35M	$31M	$30M	$28M	$25M	$23M	$23M	$25M
Gross Profit	$55M	$56M	$59M	$59M	$56M	$48M	$57M	$53M
Gross Margin	61.3%	64.8%	66.3%	67.7%	68.9%	67.9%	71.2%	68.3%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$22M	$22M	$21M	$27M	$29M	$35M	$31M	$2M
Operating Expenses	$37M	$35M	$35M	$36M	$36M	$35M	$38M	$36M
Operating Income	$18M	$21M	$24M	$22M	$19M	$14M	$19M	$17M
Operating Margin	20.1%	24.7%	27.2%	25.5%	24.1%	19.0%	23.3%	21.6%
Interest Expense	$33M	$31M	$30M	$28M	$24M	$23M	$23M	$24M
Income Before Tax	$18M	$21M	$24M	$22M	$19M	$21M	$19M	$17M
Tax Expense	$3M	$4M	$4M	$4M	$3M	$4M	$3M	$3M
Net Income	$15M	$17M	$20M	$18M	$16M	$17M	$16M	$14M
Net Margin	16.7%	19.8%	22.2%	20.5%	20.2%	24.6%	19.8%	18.1%
EPS (Diluted)	$1.27	$1.47	$1.72	$1.56	$1.43	$1.58	$1.43	$1.27
EBITDA	$20M	$24M	$26M	$24M	$22M	$14M	$21M	$17M
Shares Outstanding	12M	12M	11M	11M	11M	11M	11M	11M

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