$36.00

-0.38 (-1.04%)

After Hours: $35.69 (-0.31, -0.86%)

Weekly Expected Move ±2.7%

$34 $35 $36 $37 $38

NASDAQ · Financial Services · Banks - Regional · Tech Score Buy · Power 64 · $1.0B mcap · 22M float · 0.413% daily turnover · Short 48% 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

$237M +1.1% ▲

5Y CAGR: +18.1%

Gross Profit

$147M +5.6% ▲

5Y CAGR: +10.8%

Operating Income

$93M +6.4% ▲

5Y CAGR: +13.8%

Net Income

$69M +6.5% ▲

5Y CAGR: +13.6%

EPS (Diluted)

$2.64 +4.8% ▲

5Y CAGR: +13.4%

EBITDA

$93M +2.9% ▲

5Y CAGR: +12.4%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$139M	$162M	$209M	$234M	$237M
YoY Growth	+35.2%	+16.6%	+29.0%	+12.0%	+1.1%
Cost of Revenue	$12M	$25M	$91M	$95M	$90M
Gross Profit	$128M	$137M	$118M	$139M	$147M
Gross Margin	91.7%	84.7%	56.4%	59.4%	62.0%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$32M	$33M	$32M	$36M	$42M
Operating Expenses	$45M	$46M	$46M	$52M	$54M
Operating Income	$83M	$91M	$72M	$87M	$93M
Operating Margin	59.3%	56.2%	34.4%	37.2%	39.2%
Interest Expense	$5M	$28M	$91M	$95M	$90M
Income Before Tax	$83M	$91M	$72M	$87M	$93M
Tax Expense	$21M	$29M	$20M	$23M	$24M
Net Income	$62M	$63M	$52M	$65M	$69M
Net Margin	44.3%	38.6%	24.7%	27.5%	29.0%
EPS (Diluted)	$2.39	$2.55	$2.02	$2.52	$2.64
EBITDA	$85M	$95M	$75M	$90M	$93M
Shares Outstanding	26M	26M	26M	26M	26M

Line Item	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2	FY2026 Q3
Revenue	$56M	$58M	$60M	$60M	$61M	$71M	$76M	$74M
Cost of Revenue	$23M	$22M	$22M	$22M	$24M	$27M	$26M	$26M
Gross Profit	$34M	$36M	$38M	$39M	$37M	$44M	$51M	$48M
Gross Margin	59.6%	62.1%	63.2%	64.0%	60.1%	62.7%	66.4%	64.8%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$12M	$9M	$9M	$9M	$12M	$21M	$14M	$15M
Operating Expenses	$13M	$14M	$14M	$15M	$13M	$21M	$20M	$20M
Operating Income	$21M	$22M	$24M	$24M	$23M	$24M	$31M	$28M
Operating Margin	37.0%	38.1%	39.6%	39.6%	38.3%	33.6%	40.2%	37.7%
Interest Expense	$23M	$22M	$22M	$22M	$24M	$27M	$26M	$26M
Income Before Tax	$21M	$22M	$24M	$24M	$23M	$30M	$31M	$28M
Tax Expense	$5M	$6M	$7M	$7M	$5M	$8M	$8M	$4M
Net Income	$16M	$16M	$17M	$17M	$18M	$22M	$22M	$24M
Net Margin	28.8%	28.1%	28.1%	28.7%	30.1%	31.4%	29.1%	32.8%
EPS (Diluted)	$0.63	$0.63	$0.65	$0.67	$0.68	$0.77	$0.76	$0.84
EBITDA	$22M	$23M	$25M	$25M	$23M	$24M	$57M	$54M
Shares Outstanding	26M	26M	26M	26M	27M	29M	29M	29M

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