$69.61

-0.13 (-0.19%)

After Hours: $69.66 (+0.05, +0.08%)

Weekly Expected Move ±2.3%

$66 $68 $70 $71 $73

NYSE · Financial Services · Banks - Regional · Tech Score Strong Buy · Power 67 · $8.4B mcap · 109M float · 1.01% daily turnover · Short 49% 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

$1.7B -0.2% ▼

5Y CAGR: +7.1%

Gross Profit

$1.2B +10.0% ▲

5Y CAGR: +2.5%

Operating Income

$694M +13.2% ▲

5Y CAGR: +1.5%

Net Income

$543M +13.2% ▲

5Y CAGR: +0.5%

EPS (Diluted)

$5.72 +13.3% ▲

5Y CAGR: +0.1%

EBITDA

$849M +31.2% ▲

5Y CAGR: +4.7%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$1.2B	$1.2B	$1.6B	$1.7B	$1.7B
YoY Growth	-6.7%	+4.4%	+29.4%	+12.0%	-0.2%
Cost of Revenue	$54M	$90M	$507M	$606M	$489M
Gross Profit	$1.1B	$1.1B	$1.0B	$1.1B	$1.2B
Gross Margin	95.3%	92.5%	67.4%	65.2%	71.9%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$328M	$333M	$376M	$387M	$390M
Operating Expenses	$439M	$447M	$515M	$523M	$556M
Operating Income	$660M	$666M	$534M	$613M	$694M
Operating Margin	57.3%	55.4%	34.3%	35.2%	39.9%
Interest Expense	$54M	$90M	$488M	$597M	$489M
Income Before Tax	$660M	$666M	$534M	$613M	$694M
Tax Expense	$140M	$142M	$115M	$133M	$151M
Net Income	$519M	$525M	$419M	$479M	$543M
Net Margin	45.1%	43.6%	26.9%	27.5%	31.2%
EPS (Diluted)	$5.60	$5.73	$4.51	$5.05	$5.72
EBITDA	$689M	$694M	$565M	$647M	$849M
Shares Outstanding	93M	92M	93M	95M	95M

Line Item	FY2024 Q3	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2
Revenue	$447M	$438M	$423M	$436M	$427M	$429M	$403M	$520M
Cost of Revenue	$156M	$143M	$127M	$125M	$125M	$112M	$121M	$129M
Gross Profit	$291M	$295M	$295M	$311M	$302M	$318M	$282M	$391M
Gross Margin	65.1%	67.3%	69.9%	71.3%	70.8%	74.0%	70.1%	75.2%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$94M	$101M	$95M	$93M	$93M	$88M	$120M	$148M
Operating Expenses	$128M	$129M	$129M	$139M	$126M	$139M	$132M	$176M
Operating Income	$162M	$166M	$166M	$172M	$176M	$179M	$150M	$215M
Operating Margin	36.3%	37.9%	39.4%	39.5%	41.2%	41.7%	37.3%	41.4%
Interest Expense	$156M	$143M	$127M	$125M	$125M	$112M	$121M	$129M
Income Before Tax	$162M	$166M	$166M	$172M	$176M	$179M	$150M	$215M
Tax Expense	$35M	$36M	$36M	$37M	$38M	$39M	$34M	$46M
Net Income	$127M	$130M	$130M	$135M	$138M	$140M	$116M	$169M
Net Margin	28.5%	29.7%	30.8%	31.0%	32.2%	32.6%	28.9%	32.4%
EPS (Diluted)	$1.34	$1.37	$1.37	$1.42	$1.45	$1.49	$1.16	$1.67
EBITDA	$171M	$175M	$175M	$306M	$185M	$184M	$161M	$227M
Shares Outstanding	95M	95M	95M	95M	95M	95M	100M	101M

PB NYSE

Income Trends

Profit Margins

Year-over-Year Growth

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