Also trades as: 8306.T (JPX) · $vol 835M · MBFJF (OTC) · $vol 2M

$21.48

+0.39 (+1.85%)

Weekly Expected Move ±2.7%

$20 $20 $21 $22 $22

NYSE · Financial Services · Banks - Diversified · Tech Score Sell · Power 43 · $241.8B mcap · 11.25B float · 0.027% daily turnover · Short 49% of daily vol

Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: $1.58B held by 505 funds, 65 bp over Treasuries → details ▾

Not rated: lending and leverage are a financial company's business, which the model misreads.
Bond figures are fund-reported marks (SEC N-PORT) as of Jul 2026. How these are computed.

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

Analysis Technicals Weather Peers ESG Institutions ETF Exposure Dark Pool Short Interest

Revenue Segmentation

By Product / Service

By Geography

Revenue by Segment (5-Year Trend)

Income Trends

Revenue

$13.24T +6.5% ▲

5Y CAGR: +20.0%

Gross Profit

$7.17T +2.0% ▲

5Y CAGR: +12.1%

Operating Income

$3.32T +30.2% ▲

5Y CAGR: +26.1%

Net Income

$2.43T +30.3% ▲

5Y CAGR: +25.6%

EPS (Diluted)

$212.33 +33.1% ▲

5Y CAGR: +28.7%

EBITDA

$3.77T +27.3% ▲

5Y CAGR: +22.0%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2022	FY2023	FY2024	FY2025	FY2026
Revenue	$5.25T	$8.43T	$10.89T	$12.43T	$13.24T
YoY Growth	-1.5%	+60.7%	+29.2%	+14.1%	+6.5%
Cost of Revenue	$875.4B	$3.05T	$5.51T	$5.40T	$6.07T
Gross Profit	$4.37T	$5.38T	$5.38T	$7.03T	$7.17T
Gross Margin	83.3%	63.8%	49.4%	56.5%	54.1%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$1.90T	$2.97T	$2.92T	$3.17T	$3.49T
Operating Expenses	$2.88T	$3.81T	$3.33T	$4.48T	$3.84T
Operating Income	$1.49T	$1.57T	$2.05T	$2.55T	$3.32T
Operating Margin	28.4%	18.6%	18.8%	20.5%	25.1%
Interest Expense	$544.0B	$2.37T	$5.01T	$5.59T	$5.72T
Income Before Tax	$1.49T	$1.57T	$2.05T	$2.55T	$3.32T
Tax Expense	$283.4B	$369.6B	$478.3B	$609.2B	$761.6B
Net Income	$1.13T	$1.12T	$1.49T	$1.86T	$2.43T
Net Margin	21.6%	13.2%	13.7%	15.0%	18.3%
EPS (Diluted)	$88.05	$90.41	$124.32	$159.47	$212.33
EBITDA	$1.85T	$1.90T	$2.41T	$2.97T	$3.77T
Shares Outstanding	12.79B	12.31B	11.96B	11.64B	11.39B

Line Item	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2	FY2026 Q3	FY2026 Q4	FY2027 Q1
Revenue	$3.12T	$3.14T	$2.89T	$2.95T	$3.26T	$3.40T	$3.62T	$3.52T
Cost of Revenue	$1.34T	$1.53T	$841.7B	$1.38T	$1.44T	$1.65T	$1.61T	$1.53T
Gross Profit	$1.78T	$1.62T	$2.05T	$1.57T	$1.82T	$1.76T	$2.02T	$2.00T
Gross Margin	57.1%	51.5%	70.9%	53.3%	55.8%	51.6%	55.6%	56.7%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$731.7B	$785.2B	$804.2B	$796.7B	$813.1B	$894.7B	$985.0B	$900.6B
Operating Expenses	$777.1B	$953.4B	$1.91T	$845.7B	$778.1B	$1.03T	$1.19T	$876.7B
Operating Income	$1.01T	$664.2B	$144.5B	$728.6B	$1.04T	$725.4B	$826.2B	$1.12T
Operating Margin	32.2%	21.1%	5.0%	24.7%	31.9%	21.3%	22.8%	31.8%
Interest Expense	$1.32T	$1.46T	$1.28T	$1.33T	$1.41T	$1.50T	$1.47T	$1.45T
Income Before Tax	$1.01T	$664.2B	$144.5B	$728.6B	$1.04T	$725.4B	$826.2B	$1.12T
Tax Expense	$275.4B	$151.2B	$28.7B	$147.2B	$259.7B	$173.1B	$181.7B	$271.7B
Net Income	$702.3B	$490.7B	$114.0B	$546.1B	$746.9B	$520.6B	$613.7B	$809.4B
Net Margin	22.5%	15.6%	3.9%	18.5%	22.9%	15.3%	16.9%	23.0%
EPS (Diluted)	$59.88	$41.84	$9.32	$47.45	$65.39	$46.37	$54.33	$72.65
EBITDA	$1.01T	$664.2B	$144.5B	$728.6B	$1.04T	$725.4B	$826.2B	$1.12T
Shares Outstanding	11.73B	11.73B	11.55B	11.51B	11.42B	11.43B	11.19B	11.31B

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