$96.71

-0.70 (-0.72%)

Weekly Expected Move ±3.7%

$90 $93 $97 $101 $104

NYSE · Financial Services · Banks - Regional · Tech Score Buy · Power 62 · $1.2B mcap · 11M float · 1.32% daily turnover · Short 45% 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

$527M +7.1% ▲

5Y CAGR: +26.9%

Gross Profit

$278M +2.5% ▲

5Y CAGR: +15.9%

Operating Income

$102M +4.6% ▲

5Y CAGR: +11.9%

Net Income

$71M +6.6% ▲

5Y CAGR: +12.5%

EPS (Diluted)

$6.62 +11.6% ▲

5Y CAGR: +7.3%

EBITDA

$102M +18.5% ▲

5Y CAGR: +10.2%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$197M	$287M	$403M	$492M	$527M
YoY Growth	+23.0%	+45.9%	+40.4%	+22.0%	+7.1%
Cost of Revenue	$20M	$42M	$165M	$222M	$250M
Gross Profit	$177M	$246M	$238M	$271M	$278M
Gross Margin	89.8%	85.5%	59.1%	55.0%	52.6%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$50M	$62M	$76M	$90M	$94M
Operating Expenses	$87M	$149M	$132M	$174M	$176M
Operating Income	$90M	$97M	$107M	$97M	$102M
Operating Margin	45.5%	33.7%	26.5%	19.7%	19.3%
Interest Expense	$16M	$32M	$153M	$215M	$212M
Income Before Tax	$90M	$97M	$107M	$97M	$102M
Tax Expense	$29M	$37M	$30M	$30M	$30M
Net Income	$61M	$59M	$77M	$67M	$71M
Net Margin	30.7%	20.7%	19.2%	13.5%	13.5%
EPS (Diluted)	$6.45	$5.29	$6.91	$5.93	$6.62
EBITDA	$95M	$107M	$114M	$86M	$102M
Shares Outstanding	9M	11M	11M	11M	11M

Line Item	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2	FY2026 Q3
Revenue	$124M	$122M	$130M	$135M	$141M	$138M	$7M	$150M
Cost of Revenue	$55M	$56M	$60M	$79M	$55M	$47M	$47M	$55M
Gross Profit	$70M	$66M	$70M	$56M	$86M	$91M	-$40M	$95M
Gross Margin	55.9%	54.0%	53.9%	41.6%	60.9%	66.0%	-572.5%	63.6%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$23M	$25M	$20M	$24M	$23M	$3M	$5M	$29M
Operating Expenses	$38M	$43M	$43M	$46M	$44M	$46M	$5M	$49M
Operating Income	$31M	$23M	$27M	$10M	$41M	$44M	-$44M	$46M
Operating Margin	25.2%	19.1%	20.7%	7.6%	29.3%	32.3%	-638.9%	30.6%
Interest Expense	$53M	$52M	$53M	$55M	$52M	$49M	$50M	$50M
Income Before Tax	$31M	$23M	$27M	$10M	$41M	$44M	$28M	$46M
Tax Expense	$10M	$7M	$8M	$3M	$12M	$13M	$9M	$14M
Net Income	$21M	$16M	$19M	$7M	$29M	$31M	$19M	$32M
Net Margin	17.2%	13.4%	14.5%	5.3%	20.5%	22.9%	276.7%	21.6%
EPS (Diluted)	$1.88	$1.45	$1.76	$0.67	$2.77	$2.92	$1.54	$2.58
EBITDA	$31M	$22M	$27M	$5M	$41M	$41M	-$41M	$46M
Shares Outstanding	11M	11M	11M	11M	10M	11M	12M	13M

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