$56.88

+0.52 (+0.92%)

After Hours: $56.48 (-0.41, -0.71%)

Weekly Expected Move ±2.7%

$53 $54 $56 $57 $59

NYSE · Financial Services · Financial - Credit Services · Tech Score Neutral · Power 53 · $6.5B mcap · 114M float · 0.869% daily turnover · Short 57% of daily vol

Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: $1.24B held by 562 funds, 234 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.

Revenue Segmentation

By Product / Service

Revenue by Segment (5-Year Trend)

Income Trends

Revenue

$6.2B +9.1% ▲

5Y CAGR: +4.8%

Gross Profit

$3.0B +19.1% ▲

5Y CAGR: +2.8%

Operating Income

$1.0B +50.1% ▲

5Y CAGR: +0.5%

Net Income

$783M +53.8% ▲

5Y CAGR: +1.4%

EPS (Diluted)

$6.56 +54.7% ▲

5Y CAGR: +3.9%

EBITDA

$1.3B +36.4% ▲

5Y CAGR: +0.7%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$5.0B	$5.1B	$5.3B	$5.7B	$6.2B
YoY Growth	+0.8%	+2.4%	+4.1%	+8.0%	+9.1%
Cost of Revenue	$1.5B	$2.3B	$2.7B	$3.2B	$3.3B
Gross Profit	$3.4B	$2.8B	$2.6B	$2.5B	$3.0B
Gross Margin	69.2%	54.9%	48.3%	43.6%	47.6%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$1.0B	$994M	$1.0B	$1.1B	$1.1B
Operating Expenses	$1.7B	$1.6B	$1.7B	$1.8B	$2.0B
Operating Income	$1.7B	$1.2B	$840M	$667M	$1.0B
Operating Margin	35.0%	22.7%	15.9%	11.7%	16.0%
Interest Expense	$937M	$892M	$1.0B	$1.2B	$1.3B
Income Before Tax	$1.7B	$1.2B	$840M	$667M	$1.0B
Tax Expense	$427M	$283M	$199M	$158M	$218M
Net Income	$1.3B	$872M	$641M	$509M	$783M
Net Margin	26.4%	17.1%	12.1%	8.9%	12.5%
EPS (Diluted)	$9.88	$7.01	$5.31	$4.24	$6.56
EBITDA	$2.0B	$1.4B	$1.1B	$944M	$1.3B
Shares Outstanding	133M	124M	121M	120M	119M

Line Item	FY2024 Q3	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2
Revenue	$1.5B	$1.5B	$1.5B	$1.5B	$1.6B	$1.6B	$1.6B	$1.6B
Cost of Revenue	$813M	$833M	$768M	$828M	$808M	$866M	$335M	$325M
Gross Profit	$652M	$665M	$733M	$708M	$786M	$746M	$1.3B	$1.3B
Gross Margin	44.5%	44.4%	48.8%	46.1%	49.3%	46.3%	78.9%	80.0%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$263M	$279M	$267M	$284M	$282M	$288M	$0	$448M
Operating Expenses	$445M	$501M	$458M	$494M	$523M	$497M	$631M	$777M
Operating Income	$207M	$164M	$275M	$214M	$263M	$249M	$621M	$523M
Operating Margin	14.1%	10.9%	18.3%	13.9%	16.5%	15.4%	39.1%	32.2%
Interest Expense	$301M	$311M	$312M	$317M	$320M	$323M	$322M	$326M
Income Before Tax	$207M	$164M	$275M	$214M	$263M	$249M	$296M	$196M
Tax Expense	$50M	$38M	$62M	$47M	$64M	$45M	$70M	$44M
Net Income	$157M	$126M	$213M	$167M	$199M	$204M	$226M	$152M
Net Margin	10.7%	8.4%	14.2%	10.9%	12.5%	12.7%	14.2%	9.4%
EPS (Diluted)	$1.31	$1.05	$1.78	$1.40	$1.67	$1.72	$1.93	$1.31
EBITDA	$278M	$234M	$345M	$286M	$335M	$322M	$692M	$598M
Shares Outstanding	120M	120M	120M	119M	119M	118M	117M	116M

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