$11.37

+0.12 (+1.07%)

Weekly Expected Move ±3.2%

$11 $11 $11 $12 $12

NASDAQ · Financial Services · Financial - Credit Services · Tech Score Strong Sell · Power 36 · $261.1M mcap · 16M float · 0.423% daily turnover · Short 46% 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

$353M +21.1% ▲

5Y CAGR: +18.5%

Gross Profit

$342M +168.9% ▲

5Y CAGR: +48.5%

Operating Income

$178M +183.3% ▲

Net Income

$43M +20.0% ▲

EPS (Diluted)

$1.78 +17.1% ▲

EBITDA

$178M +157.9% ▲

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$179M	$198M	$255M	$292M	$353M
YoY Growth	+18.4%	+10.7%	+28.3%	+14.6%	+21.1%
Cost of Revenue	$36M	$66M	$101M	$165M	$12M
Gross Profit	$143M	$132M	$154M	$127M	$342M
Gross Margin	80.0%	66.6%	60.4%	43.6%	96.7%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$34M	$34M	$40M	$41M	$5M
Operating Expenses	$62M	$64M	$68M	$64M	$164M
Operating Income	$82M	$68M	$86M	$63M	$178M
Operating Margin	45.7%	34.2%	33.8%	21.6%	50.5%
Interest Expense	$31M	$36M	$63M	$88M	$98M
Income Before Tax	$82M	$68M	$86M	$63M	$80M
Tax Expense	$24M	$18M	$25M	$21M	$25M
Net Income	$54M	$44M	$55M	$36M	$43M
Net Margin	30.2%	22.1%	21.6%	12.3%	12.2%
EPS (Diluted)	$2.17	$1.83	$2.37	$1.52	$1.78
EBITDA	$88M	$73M	$91M	$69M	$178M
Shares Outstanding	25M	24M	23M	24M	24M

Line Item	FY2024 Q3	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2
Revenue	$73M	$83M	$83M	$82M	$79M	$96M	$81M	$89M
Cost of Revenue	$44M	$45M	$46M	$46M	$44M	$3M	$6M	$6M
Gross Profit	$29M	$38M	$37M	$36M	$36M	$93M	$76M	$82M
Gross Margin	39.6%	45.8%	44.3%	44.4%	45.0%	96.9%	93.2%	92.8%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$10M	$11M	$11M	$11M	$11M	-$27M	$0	$2M
Operating Expenses	$15M	$20M	$16M	$17M	$16M	$47M	$39M	$41M
Operating Income	$14M	$18M	$20M	$19M	$19M	$46M	$37M	$42M
Operating Margin	19.5%	22.2%	24.5%	23.7%	24.6%	48.0%	45.0%	46.8%
Interest Expense	$24M	$25M	$24M	$24M	$25M	$25M	$25M	$27M
Income Before Tax	$14M	$18M	$20M	$19M	$19M	$21M	$12M	$14M
Tax Expense	$4M	$7M	$7M	$6M	$6M	$6M	$4M	$5M
Net Income	$9M	$10M	$12M	$11M	$11M	$12M	$5M	$7M
Net Margin	11.9%	12.2%	14.5%	13.5%	14.2%	12.7%	6.1%	8.4%
EPS (Diluted)	$0.37	$0.43	$0.50	$0.46	$0.32	$0.50	$0.20	$0.31
EBITDA	$16M	$20M	$22M	$22M	$22M	$48M	$38M	$44M
Shares Outstanding	23M	24M	24M	24M	24M	25M	25M	24M

MFIN NASDAQ

Income Trends

Profit Margins

Year-over-Year Growth

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