$51.83

Last traded 2026-10-15 — delisted

NYSE · Financial Services · Banks - Regional · Tech Score Strong Sell · Power 43 · $1.6B mcap · 29M float · 0.587% daily turnover · Short 40% 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

$599M -3.0% ▼

5Y CAGR: +15.8%

Gross Profit

$349M +1.0% ▲

5Y CAGR: +12.9%

Operating Income

$99M +1.6% ▲

5Y CAGR: +17.4%

Net Income

$75M -1.7% ▼

5Y CAGR: +15.6%

EPS (Diluted)

$2.40 -2.0% ▼

5Y CAGR: +9.1%

EBITDA

$113M -0.6% ▼

5Y CAGR: +17.2%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$290M	$378M	$577M	$617M	$599M
YoY Growth	+1.2%	+30.1%	+52.7%	+7.0%	-3.0%
Cost of Revenue	$15M	$76M	$241M	$272M	$250M
Gross Profit	$276M	$302M	$336M	$345M	$349M
Gross Margin	95.0%	79.9%	58.3%	56.0%	58.2%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$96M	$123M	$145M	$155M	$156M
Operating Expenses	$143M	$194M	$230M	$248M	$250M
Operating Income	$132M	$107M	$106M	$97M	$99M
Operating Margin	45.6%	28.4%	18.4%	15.8%	16.5%
Interest Expense	$25M	$51M	$224M	$264M	$207M
Income Before Tax	$132M	$107M	$106M	$97M	$96M
Tax Expense	$24M	$20M	$22M	$21M	$20M
Net Income	$109M	$88M	$84M	$76M	$75M
Net Margin	37.4%	23.2%	14.5%	12.4%	12.6%
EPS (Diluted)	$4.60	$3.28	$2.71	$2.45	$2.40
EBITDA	$139M	$120M	$124M	$114M	$113M
Shares Outstanding	24M	27M	31M	31M	31M

Line Item	FY2024 Q3	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2
Revenue	$159M	$139M	$149M	$137M	$161M	$151M	$148M	$151M
Cost of Revenue	$74M	$56M	$58M	$55M	$89M	$48M	$49M	$44M
Gross Profit	$85M	$83M	$92M	$82M	$71M	$103M	$99M	$108M
Gross Margin	53.6%	59.7%	61.5%	59.7%	44.5%	68.3%	66.9%	71.2%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$40M	$38M	$39M	$39M	$39M	$39M	$45M	$48M
Operating Expenses	$62M	$65M	$63M	$63M	$60M	$63M	$64M	$64M
Operating Income	$24M	$18M	$29M	$19M	$11M	$41M	$35M	$43M
Operating Margin	14.8%	12.9%	19.1%	13.6%	6.8%	26.8%	23.8%	28.5%
Interest Expense	$69M	$61M	$54M	$53M	$52M	$48M	$44M	$44M
Income Before Tax	$24M	$18M	$29M	$19M	$11M	$37M	$35M	$43M
Tax Expense	$5M	$4M	$6M	$4M	$2M	$8M	$8M	$9M
Net Income	$19M	$14M	$22M	$15M	$9M	$30M	$28M	$34M
Net Margin	11.7%	10.3%	15.0%	10.7%	5.4%	19.5%	18.7%	22.4%
EPS (Diluted)	$0.60	$0.46	$0.71	$0.47	$0.27	$0.95	$0.89	$1.09
EBITDA	$28M	$23M	$34M	$23M	$15M	$42M	$39M	$47M
Shares Outstanding	31M	31M	31M	31M	31M	31M	31M	31M

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