$24.60

-0.17 (-0.69%)

After Hours: $24.75 (+0.14, +0.59%)

Weekly Expected Move ±1.9%

$24 $24 $24 $25 $25

NASDAQ · Financial Services · Banks - Regional · Tech Score Sell · Power 52 · $1.3B mcap · 40M float · 1.20% daily turnover · Short 39% 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.

Income Trends

Revenue

$397M +18.1% ▲

5Y CAGR: +23.3%

Gross Profit

$310M +16.1% ▲

5Y CAGR: +21.6%

Operating Income

$111M -2.0% ▼

5Y CAGR: +24.2%

Net Income

$80M -5.8% ▼

5Y CAGR: +23.6%

EPS (Diluted)

$1.62 -13.4% ▼

5Y CAGR: +12.0%

EBITDA

$121M -1.1% ▼

5Y CAGR: +24.3%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$142M	$255M	$321M	$336M	$397M
YoY Growth	+1.7%	+79.9%	+25.8%	+4.7%	+18.1%
Cost of Revenue	$13M	$17M	$57M	$69M	$87M
Gross Profit	$129M	$238M	$264M	$267M	$310M
Gross Margin	91.0%	93.4%	82.4%	79.5%	78.1%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$60M	$91M	$93M	$103M	$129M
Operating Expenses	$101M	$147M	$140M	$154M	$199M
Operating Income	$28M	$92M	$124M	$113M	$111M
Operating Margin	19.6%	35.9%	38.8%	33.6%	27.9%
Interest Expense	$8M	$10M	$40M	$56M	$62M
Income Before Tax	$28M	$92M	$124M	$113M	$108M
Tax Expense	$8M	$24M	$33M	$28M	$27M
Net Income	$20M	$67M	$92M	$85M	$80M
Net Margin	14.1%	26.4%	28.6%	25.4%	20.2%
EPS (Diluted)	$0.65	$1.49	$2.02	$1.87	$1.62
EBITDA	$32M	$98M	$132M	$122M	$121M
Shares Outstanding	31M	45M	45M	46M	53M

Line Item	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2	FY2026 Q3
Revenue	$85M	$82M	$85M	$115M	$114M	$111M	$89M	$115M
Cost of Revenue	$17M	$13M	$14M	$41M	$19M	$27M	$0	$25M
Gross Profit	$68M	$69M	$71M	$75M	$95M	$84M	$89M	$90M
Gross Margin	79.9%	84.1%	84.0%	64.5%	83.2%	76.0%	100.0%	78.5%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$27M	$28M	$28M	$42M	$31M	$2M	$41M	$40M
Operating Expenses	$43M	$43M	$42M	$61M	$53M	$50M	$51M	$52M
Operating Income	$25M	$26M	$29M	$13M	$42M	$34M	$38M	$39M
Operating Margin	29.7%	31.8%	34.5%	11.3%	36.9%	30.6%	42.6%	33.6%
Interest Expense	$14M	$11M	$11M	$21M	$19M	$17M	$18M	$18M
Income Before Tax	$25M	$26M	$29M	$13M	$39M	$34M	$38M	$39M
Tax Expense	$6M	$6M	$7M	$3M	$10M	$8M	$10M	$10M
Net Income	$19M	$20M	$22M	$10M	$29M	$26M	$28M	$29M
Net Margin	22.4%	24.1%	25.8%	8.5%	25.2%	23.0%	31.7%	25.1%
EPS (Diluted)	$0.42	$0.43	$0.48	$0.18	$0.54	$0.48	$0.54	$0.56
EBITDA	$29M	$29M	$32M	$16M	$44M	$36M	$39M	$39M
Shares Outstanding	46M	46M	46M	54M	53M	53M	52M	51M

OSBC NASDAQ

Income Trends

Profit Margins

Year-over-Year Growth

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