$132.98

+1.66 (+1.26%)

After Hours: $133.10 (+0.12, +0.09%)

Weekly Expected Move ±2.7%

$122 $125 $129 $132 $136

NASDAQ · Financial Services · Banks - Regional · Tech Score Buy · Power 60 · $1.1B mcap · 8M float · 1.54% daily turnover · Short 77% 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.

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

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

Income Trends

Revenue

$385M +9.7% ▲

5Y CAGR: +21.3%

Gross Profit

$237M +16.1% ▲

5Y CAGR: +11.5%

Operating Income

$147M +17.1% ▲

5Y CAGR: +7.8%

Net Income

$107M +28.8% ▲

5Y CAGR: +8.5%

EPS (Diluted)

$12.74 +26.4% ▲

5Y CAGR: +8.3%

EBITDA

$147M +14.2% ▲

5Y CAGR: +7.3%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2022	FY2023	FY2024	FY2025	FY2026
Revenue	$110M	$180M	$261M	$351M	$385M
YoY Growth	-25.3%	+63.9%	+44.8%	+34.7%	+9.7%
Cost of Revenue	$3M	$61M	$111M	$147M	$148M
Gross Profit	$107M	$119M	$149M	$204M	$237M
Gross Margin	97.6%	66.3%	57.4%	58.1%	61.5%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$32M	$38M	$44M	$48M	$59M
Operating Expenses	$46M	$54M	$61M	$78M	$90M
Operating Income	$62M	$65M	$88M	$126M	$147M
Operating Margin	56.1%	36.2%	33.8%	35.8%	38.2%
Interest Expense	$5M	$58M	$109M	$138M	$149M
Income Before Tax	$62M	$65M	$88M	$126M	$147M
Tax Expense	$19M	$21M	$30M	$42M	$40M
Net Income	$42M	$44M	$58M	$83M	$107M
Net Margin	38.4%	24.6%	22.4%	23.8%	27.9%
EPS (Diluted)	$5.34	$5.96	$7.58	$10.08	$12.74
EBITDA	$64M	$68M	$91M	$129M	$147M
Shares Outstanding	8M	7M	8M	8M	8M

Line Item	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2	FY2026 Q3	FY2026 Q4
Revenue	$73M	$89M	$85M	$98M	$85M	$87M	$105M	$105M
Cost of Revenue	$31M	$39M	$38M	$39M	$35M	$36M	$39M	$39M
Gross Profit	$41M	$50M	$47M	$59M	$50M	$51M	$67M	$66M
Gross Margin	57.0%	56.6%	55.6%	60.2%	59.1%	58.5%	63.4%	63.0%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$12M	$12M	$13M	$13M	$13M	$14M	$16M	$15M
Operating Expenses	$16M	$17M	$18M	$21M	$19M	$21M	$24M	$23M
Operating Income	$25M	$33M	$30M	$38M	$31M	$30M	$43M	$42M
Operating Margin	34.4%	37.5%	34.7%	38.3%	37.2%	34.6%	41.0%	40.5%
Interest Expense	$31M	$37M	$35M	$36M	$35M	$35M	$39M	$39M
Income Before Tax	$25M	$33M	$30M	$38M	$31M	$30M	$43M	$42M
Tax Expense	$8M	$11M	$11M	$13M	$9M	$9M	$13M	$8M
Net Income	$17M	$22M	$19M	$25M	$23M	$21M	$30M	$34M
Net Margin	23.5%	25.2%	21.9%	25.6%	26.7%	23.8%	28.3%	32.8%
EPS (Diluted)	$2.11	$2.74	$2.23	$3.00	$2.67	$2.47	$3.53	$4.05
EBITDA	$26M	$34M	$30M	$39M	$32M	$31M	$44M	$42M
Shares Outstanding	8M	8M	8M	8M	8M	8M	8M	8M

NBN NASDAQ

Income Trends

Profit Margins

Year-over-Year Growth

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