$9.24

+0.17 (+1.87%)

Weekly Expected Move ±3.5%

$8 $9 $9 $9 $10

NYSE · Financial Services · Asset Management · Tech Score Strong Sell · Power 37 · $4.2B mcap · 380M float · 0.629% daily turnover · Short 42% of daily vol

Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: $161.7M held by 121 funds, 251 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.

Income Trends

Revenue

$1.1B +99.8% ▲

5Y CAGR: +44.5%

Gross Profit

$779M +120.5% ▲

5Y CAGR: +41.8%

Operating Income

$729M +120.3% ▲

5Y CAGR: +42.9%

Net Income

$720M +125.7% ▲

5Y CAGR: +42.6%

EPS (Diluted)

$1.76 +15.8% ▲

5Y CAGR: +23.6%

EBITDA

$729M +41.7% ▲

5Y CAGR: +36.0%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$537M	$176M	$587M	$537M	$1.1B
YoY Growth	+248.6%	-67.2%	+233.5%	-8.6%	+99.8%
Cost of Revenue	$85M	$126M	$186M	$183M	$294M
Gross Profit	$453M	$50M	$401M	$353M	$779M
Gross Margin	84.3%	28.4%	68.3%	65.8%	72.6%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$13M	$13M	$14M	$14M	$24M
Operating Expenses	$23M	$23M	$23M	$23M	$51M
Operating Income	$430M	$27M	$378M	$331M	$729M
Operating Margin	80.0%	15.3%	64.4%	61.6%	67.9%
Interest Expense	$85M	$126M	$186M	$183M	$321M
Income Before Tax	$430M	$27M	$378M	$331M	$729M
Tax Expense	$5M	$8M	$9M	$11M	$8M
Net Income	$425M	$19M	$369M	$319M	$720M
Net Margin	79.1%	10.8%	62.8%	59.5%	67.1%
EPS (Diluted)	$3.05	$0.09	$1.80	$1.52	$1.76
EBITDA	$514M	$153M	$564M	$514M	$729M
Shares Outstanding	201M	201M	205M	210M	409M

Line Item	FY2024 Q3	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2
Revenue	$174M	$154M	$139M	$295M	$320M	$310M	$427M	$322M
Cost of Revenue	$46M	$44M	$48M	$79M	$98M	$87M	$43M	$83M
Gross Profit	$128M	$110M	$91M	$215M	$223M	$224M	$383M	$238M
Gross Margin	73.4%	71.4%	65.6%	73.1%	69.5%	72.1%	89.9%	74.1%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$3M	$4M	$5M	$6M	$6M	$6M	$0	$6M
Operating Expenses	$5M	$7M	$9M	$14M	-$92M	$17M	$498M	-$20M
Operating Income	$122M	$104M	$82M	$202M	$315M	$207M	-$115M	$259M
Operating Margin	70.4%	67.2%	59.4%	68.4%	98.2%	66.8%	-26.9%	80.4%
Interest Expense	$46M	$44M	$48M	$79M	$85M	$109M	$104M	$109M
Income Before Tax	$122M	$104M	$82M	$202M	$235M	$207M	-$219M	$154M
Tax Expense	$3M	$3M	$4M	$194K	$0	$1M	$1M	$0
Net Income	$120M	$101M	$78M	$201M	$235M	$206M	-$220M	$154M
Net Margin	68.8%	65.3%	56.4%	68.3%	73.3%	66.3%	-51.5%	47.9%
EPS (Diluted)	$0.57	$0.45	$0.33	$0.86	$1.00	$0.44	$-0.47	$0.33
EBITDA	$169M	$148M	$130M	$281M	$315M	$207M	-$115M	$263M
Shares Outstanding	210M	223M	235M	235M	235M	464M	464M	461M

OTF NYSE

Income Trends

Profit Margins

Year-over-Year Growth

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