$15.27

-0.26 (-1.67%)

Weekly Expected Move ±2.6%

$15 $15 $15 $16 $16

NASDAQ · Financial Services · Banks - Regional · Tech Score Buy · Power 59 · $2.2B mcap · 145M float · 0.776% daily turnover · Short 51% 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

$877M +16.3% ▲

5Y CAGR: +9.3%

Gross Profit

$599M +20.8% ▲

5Y CAGR: +6.5%

Operating Income

$165M +27.2% ▲

5Y CAGR: +12.2%

Net Income

$126M +25.7% ▲

5Y CAGR: +11.0%

EPS (Diluted)

$0.92 +16.5% ▲

5Y CAGR: +8.2%

EBITDA

$165M +9.2% ▲

5Y CAGR: +11.1%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$534M	$558M	$700M	$754M	$877M
YoY Growth	-5.1%	+4.5%	+25.4%	+7.7%	+16.3%
Cost of Revenue	$11M	$56M	$175M	$258M	$278M
Gross Profit	$523M	$501M	$525M	$496M	$599M
Gross Margin	97.9%	89.9%	75.0%	65.8%	68.3%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$207M	$202M	$214M	$235M	$263M
Operating Expenses	$320M	$328M	$350M	$366M	$434M
Operating Income	$201M	$174M	$175M	$130M	$165M
Operating Margin	37.7%	31.1%	25.0%	17.2%	18.8%
Interest Expense	$27M	$28M	$152M	$234M	$224M
Income Before Tax	$201M	$174M	$175M	$130M	$165M
Tax Expense	$47M	$40M	$40M	$29M	$39M
Net Income	$154M	$134M	$135M	$100M	$126M
Net Margin	28.9%	24.0%	19.3%	13.3%	14.4%
EPS (Diluted)	$1.21	$1.05	$1.06	$0.79	$0.92
EBITDA	$208M	$180M	$200M	$151M	$165M
Shares Outstanding	127M	127M	127M	127M	147M

Line Item	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2	FY2026 Q3
Revenue	$210M	$209M	$202M	$226M	$241M	$234M	$143M	$246M
Cost of Revenue	$73M	$61M	$61M	$90M	$66M	$63M	$65M	$70M
Gross Profit	$137M	$148M	$141M	$136M	$174M	$171M	$78M	$176M
Gross Margin	65.2%	70.9%	69.8%	60.2%	72.4%	72.9%	54.6%	71.4%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$58M	$59M	$61M	$68M	$75M	$91M	$74M	$79M
Operating Expenses	$94M	$91M	$97M	$133M	$114M	$104M	$74M	$109M
Operating Income	$42M	$57M	$44M	$3M	$61M	$67M	$4M	$67M
Operating Margin	20.2%	27.1%	21.9%	1.5%	25.2%	28.5%	2.5%	27.1%
Interest Expense	$57M	$53M	$52M	$59M	$61M	$59M	$58M	$61M
Income Before Tax	$42M	$57M	$44M	$3M	$61M	$67M	$70M	$67M
Tax Expense	$10M	$13M	$10M	$302K	$15M	$16M	$17M	$16M
Net Income	$33M	$43M	$34M	$3M	$46M	$51M	$54M	$51M
Net Margin	15.6%	20.8%	16.7%	1.4%	19.0%	21.6%	37.5%	20.6%
EPS (Diluted)	$0.26	$0.34	$0.26	$0.02	$0.31	$0.34	$0.36	$0.34
EBITDA	$46M	$57M	$45M	$4M	$61M	$65M	$4M	$130M
Shares Outstanding	126M	128M	128M	141M	147M	147M	147M	147M

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