$25.25

-0.05 (-0.20%)

Weekly Expected Move ±0.6%

$25 $25 $25 $25 $26

NASDAQ · Financial Services · Banks - Regional · Tech Score Neutral · Power 54 · $233.4M mcap · 8M float · 0.048% daily turnover · Short 91% 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.

Overview News Chart Smart Money Financials Income Statement Cash Flow Balance Sheet Earnings

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Revenue Segmentation

By Product / Service

Revenue by Segment (5-Year Trend)

Income Trends

Revenue

$323M -3.2% ▼

5Y CAGR: +13.5%

Gross Profit

$44M -60.5% ▼

5Y CAGR: -13.2%

Operating Income

-$51M -284.7% ▼

Net Income

-$35M -239.1% ▼

EPS (Diluted)

$-4.03 -239.9% ▼

EBITDA

-$51M -241.3% ▼

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$162M	$174M	$260M	$333M	$323M
YoY Growth	-5.3%	+7.2%	+49.6%	+28.3%	-3.2%
Cost of Revenue	$48M	$65M	$181M	$222M	$279M
Gross Profit	$114M	$109M	$79M	$112M	$44M
Gross Margin	70.2%	62.7%	30.3%	33.5%	13.7%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$43M	$46M	$52M	$6M	$65M
Operating Expenses	$57M	$69M	$74M	$84M	$95M
Operating Income	$57M	$40M	$5M	$28M	-$51M
Operating Margin	34.9%	23.1%	1.9%	8.3%	-15.8%
Interest Expense	$47M	$60M	$165M	$205M	$206M
Income Before Tax	$57M	$40M	$5M	$28M	-$51M
Tax Expense	$8M	$5M	-$3M	$2M	-$16M
Net Income	$48M	$36M	$8M	$25M	-$35M
Net Margin	29.7%	20.5%	3.2%	7.6%	-10.9%
EPS (Diluted)	$4.82	$3.70	$0.95	$2.88	$-4.03
EBITDA	$65M	$49M	$11M	$36M	-$51M
Shares Outstanding	10M	10M	9M	9M	9M

Line Item	FY2024 Q3	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2
Revenue	$86M	$92M	$86M	$85M	$58M	$89M	$87M	$85M
Cost of Revenue	$57M	$61M	$64M	$67M	$89M	$60M	$61M	$58M
Gross Profit	$29M	$31M	$22M	$18M	-$31M	$30M	$27M	$28M
Gross Margin	33.8%	33.5%	25.7%	21.7%	-53.4%	33.2%	30.7%	32.5%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$15M	$16M	$15M	$13M	$16M	$16M	$2M	$2M
Operating Expenses	$21M	$23M	$22M	$20M	$24M	$24M	$25M	$26M
Operating Income	$8M	$8M	$34K	-$2M	-$55M	$6M	$2M	$2M
Operating Margin	8.9%	9.0%	0.0%	-2.2%	-94.2%	6.2%	2.0%	1.9%
Interest Expense	$53M	$54M	$52M	$53M	$54M	$48M	$44M	$44M
Income Before Tax	$8M	$8M	$34K	-$2M	-$55M	$6M	$2M	$2M
Tax Expense	$620K	$999K	-$909K	-$2M	-$13M	$213K	-$725K	-$780K
Net Income	$7M	$7M	$943K	$193K	-$42M	$5M	$3M	$2M
Net Margin	8.2%	7.9%	1.1%	0.2%	-71.8%	5.9%	2.9%	2.8%
EPS (Diluted)	$0.80	$0.83	$0.11	$0.02	$-4.76	$0.60	$0.29	$0.27
EBITDA	$10M	$11M	$1M	$51K	-$52M	$6M	$4M	$4M
Shares Outstanding	9M	9M	9M	9M	9M	9M	9M	9M

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