Also trades as: OZK (NASDAQ) · $vol 70M

$14.94

-0.02 (-0.13%)

After Hours: $14.88 (-0.06, -0.44%)

Weekly Expected Move ±1.8%

$14 $15 $15 $15 $15

NASDAQ · Financial Services · Banks - Regional · Tech Score Neutral · Power 43 · $5.6B mcap · 14M float · 0.245% 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.

Overview News Chart Smart Money Financials Income Statement Cash Flow Balance Sheet Earnings

Dividends Analysis Technicals Weather Peers ESG Institutions ETF Exposure Dark Pool Short Interest

Income Trends

Revenue

$2.8B +1.1% ▲

5Y CAGR: +19.0%

Gross Profit

$1.6B +4.9% ▲

5Y CAGR: +14.8%

Operating Income

$934M +0.3% ▲

5Y CAGR: +20.0%

Net Income

$715M -0.1% ▼

5Y CAGR: +19.6%

EPS (Diluted)

$6.17 +0.5% ▲

5Y CAGR: +22.2%

EBITDA

$934M -8.5% ▼

5Y CAGR: +17.3%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$1.2B	$1.4B	$2.3B	$2.8B	$2.8B
YoY Growth	+0.8%	+16.3%	+63.0%	+23.2%	+1.1%
Cost of Revenue	$4M	$207M	$854M	$1.3B	$1.3B
Gross Profit	$1.2B	$1.2B	$1.4B	$1.5B	$1.6B
Gross Margin	99.7%	85.0%	62.0%	53.4%	55.4%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$229M	$245M	$305M	$342M	$389M
Operating Expenses	$430M	$452M	$530M	$551M	$621M
Operating Income	$753M	$722M	$867M	$931M	$934M
Operating Margin	63.4%	52.3%	38.5%	33.6%	33.3%
Interest Expense	$82M	$124M	$689M	$1.1B	$1.1B
Income Before Tax	$753M	$722M	$867M	$931M	$934M
Tax Expense	$174M	$157M	$176M	$215M	$219M
Net Income	$579M	$564M	$691M	$716M	$715M
Net Margin	48.8%	40.9%	30.7%	25.8%	25.5%
EPS (Diluted)	$4.47	$4.54	$5.87	$6.14	$6.17
EBITDA	$796M	$777M	$931M	$1.0B	$934M
Shares Outstanding	130M	121M	115M	114M	112M

Line Item	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2	FY2026 Q3
Revenue	$696M	$670M	$700M	$731M	$705M	$662M	$673M	$391M
Cost of Revenue	$320M	$300M	$307M	$329M	$315M	$285M	$288M	$0
Gross Profit	$375M	$371M	$393M	$402M	$390M	$376M	$384M	$391M
Gross Margin	53.9%	55.3%	56.1%	54.9%	55.4%	56.9%	57.1%	100.0%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$87M	$93M	$97M	$111M	$88M	$106M	$105M	$118M
Operating Expenses	$140M	$147M	$153M	$159M	$162M	$165M	$171M	$118M
Operating Income	$235M	$224M	$240M	$242M	$228M	$212M	$214M	$274M
Operating Margin	33.8%	33.4%	34.3%	33.1%	32.4%	32.0%	31.8%	69.9%
Interest Expense	$283M	$261M	$272M	$281M	$264M	$243M	$243M	$0
Income Before Tax	$235M	$224M	$240M	$242M	$228M	$212M	$214M	$214M
Tax Expense	$53M	$52M	$57M	$58M	$53M	$48M	$46M	$45M
Net Income	$182M	$172M	$183M	$185M	$176M	$163M	$167M	$168M
Net Margin	26.2%	25.6%	26.2%	25.2%	25.0%	24.7%	24.9%	43.0%
EPS (Diluted)	$1.56	$1.47	$1.58	$1.59	$1.53	$1.44	$1.49	$1.50
EBITDA	$269M	$244M	$280M	$273M	$228M	$243M	$255M	$0
Shares Outstanding	114M	114M	114M	114M	112M	111M	110M	110M

OZKAP NASDAQ

Income Trends

Profit Margins

Year-over-Year Growth

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