$28.04

-0.01 (-0.04%)

After Hours: $29.59 (+1.55, +5.53%)

Weekly Expected Move ±3.0%

$26 $27 $28 $29 $30

NYSE · Real Estate · REIT - Retail · Tech Score Sell · Power 44 · $1.9B mcap · 64M float · 0.932% daily turnover · Short 55% 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

$222M +9.0% ▲

5Y CAGR: +8.5%

Gross Profit

$89M -52.7% ▼

5Y CAGR: -6.4%

Operating Income

$122M +11.0% ▲

5Y CAGR: +10.0%

Net Income

$79M +11.4% ▲

5Y CAGR: +2.7%

EPS (Diluted)

$1.35 +8.0% ▲

5Y CAGR: -3.6%

EBITDA

$188M +9.8% ▲

5Y CAGR: +11.9%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$155M	$166M	$186M	$203M	$222M
YoY Growth	+5.5%	+6.6%	+12.2%	+9.4%	+9.0%
Cost of Revenue	$22M	$22M	$24M	$15M	$133M
Gross Profit	$133M	$144M	$162M	$189M	$89M
Gross Margin	85.8%	87.0%	87.2%	92.7%	40.2%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$20M	$21M	$24M	$25M	$27M
Operating Expenses	$47M	$27M	$71M	$79M	-$33M
Operating Income	$86M	$117M	$91M	$110M	$122M
Operating Margin	55.6%	70.8%	49.0%	54.0%	54.9%
Interest Expense	$25M	$28M	$32M	$39M	$46M
Income Before Tax	$63M	$90M	$60M	$71M	$79M
Tax Expense	$0	$0	$0	$0	$0
Net Income	$63M	$90M	$60M	$71M	$79M
Net Margin	40.4%	54.4%	32.4%	34.9%	35.7%
EPS (Diluted)	$1.37	$1.88	$1.15	$1.25	$1.35
EBITDA	$113M	$146M	$143M	$171M	$188M
Shares Outstanding	45M	47M	50M	55M	56M

Line Item	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2	FY2026 Q3
Revenue	$53M	$52M	$53M	$56M	$61M	$58M	$59M	$63M
Cost of Revenue	$3M	$2M	$2M	$17M	$111M	$35M	$22M	$39M
Gross Profit	$50M	$50M	$51M	$38M	-$50M	$23M	$37M	$24M
Gross Margin	93.9%	96.2%	95.4%	68.6%	-82.9%	40.3%	63.5%	38.3%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$6M	$7M	$7M	$6M	$7M	$9M	$7M	$8M
Operating Expenses	$17M	$24M	$26M	$3M	-$86M	-$15M	$3M	-$10M
Operating Income	$33M	$26M	$25M	$35M	$36M	$38M	$35M	$34M
Operating Margin	61.6%	50.5%	46.7%	62.5%	59.0%	65.8%	59.1%	53.7%
Interest Expense	$10M	$12M	$11M	$80M	$12M	$12M	$12M	$13M
Income Before Tax	$22M	$15M	$14M	$23M	$27M	$27M	$23M	$26M
Tax Expense	$0	$0	$0	$0	$0	$0	$0	$0
Net Income	$22M	$15M	$14M	$23M	$27M	$27M	$23M	$26M
Net Margin	42.1%	28.3%	26.3%	42.0%	44.7%	46.0%	38.2%	40.7%
EPS (Diluted)	$0.39	$0.25	$0.24	$0.40	$0.47	$0.44	$0.35	$0.41
EBITDA	$49M	$42M	$41M	$119M	$55M	$55M	$52M	$57M
Shares Outstanding	56M	55M	55M	56M	58M	60M	60M	63M

GTY NYSE

Income Trends

Profit Margins

Year-over-Year Growth

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