$10.26

+1.90 (+22.73%)

Weekly Expected Move ±2.7%

$8 $8 $8 $9 $9

NASDAQ · Financial Services · Asset Management · Tech Score Neutral · Power 40 · $845.1M mcap · 79M float · 0.697% daily turnover · Short 52% 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

$274M +21.2% ▲

5Y CAGR: +8.5%

Gross Profit

$229M +107.4% ▲

5Y CAGR: +12.5%

Operating Income

$197M +98.9% ▲

5Y CAGR: +11.9%

Net Income

$63M -36.1% ▼

5Y CAGR: -10.8%

EPS (Diluted)

$0.68 -46.5% ▼

5Y CAGR: -16.8%

EBITDA

$190M +92.5% ▲

5Y CAGR: +11.2%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$152M	$141M	$237M	$226M	$274M
YoY Growth	-16.7%	-6.8%	+67.8%	-4.7%	+21.2%
Cost of Revenue	$55M	$47M	$104M	$116M	$46M
Gross Profit	$97M	$94M	$133M	$110M	$229M
Gross Margin	63.7%	66.5%	56.1%	48.8%	83.4%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$15M	$0	$16M	$12M	$6K
Operating Expenses	$14M	-$9M	$14M	$12M	$32M
Operating Income	$82M	$103M	$119M	$99M	$197M
Operating Margin	54.3%	73.1%	50.0%	43.7%	71.6%
Interest Expense	$55M	$79M	$104M	$116M	$127K
Income Before Tax	$82M	$31M	$119M	$99M	$63M
Tax Expense	$0	$0	$0	$0	$0
Net Income	$82M	$31M	$119M	$99M	$63M
Net Margin	54.3%	21.6%	50.0%	43.7%	23.0%
EPS (Diluted)	$1.28	$0.47	$1.82	$1.27	$0.68
EBITDA	$82M	$104M	$119M	$99M	$190M
Shares Outstanding	65M	65M	65M	78M	93M

Line Item	FY2024 Q3	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2
Revenue	$62M	$58M	$62M	$53M	$64M	$65M	$63M	$68M
Cost of Revenue	$32M	$31M	$30M	$33M	$13M	-$30M	$7M	$6M
Gross Profit	$30M	$27M	$32M	$20M	$51M	$126M	$56M	$62M
Gross Margin	48.4%	46.2%	51.1%	38.6%	80.1%	193.4%	88.9%	90.8%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$3M	$3M	$2M	$3M	$2K	-$5M	$2K	$2K
Operating Expenses	$3M	$3M	$1M	$2M	-$9M	$37M	$54M	$52M
Operating Income	$27M	$24M	$30M	$18M	$60M	$22M	$2M	$10M
Operating Margin	43.3%	41.8%	48.7%	34.2%	94.1%	33.7%	3.6%	14.6%
Interest Expense	$32M	$31M	$30M	$33M	$33K	$66M	$28M	$27M
Income Before Tax	$27M	$24M	$30M	$18M	$27M	-$13M	-$27M	-$18M
Tax Expense	$0	$0	$0	$0	$0	$0	$0	$0
Net Income	$27M	$24M	$30M	$18M	$27M	-$13M	-$27M	-$18M
Net Margin	43.3%	41.8%	48.7%	34.2%	43.2%	-19.6%	-42.4%	-25.7%
EPS (Diluted)	$0.41	$0.28	$0.32	$0.19	$0.29	$-0.14	$-0.30	$-0.21
EBITDA	$27M	$24M	$30M	$18M	$60M	$82M	$2M	$10M
Shares Outstanding	65M	86M	94M	94M	93M	92M	90M	83M

MFIC NASDAQ

Income Trends

Profit Margins

Year-over-Year Growth

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