$85.20

-0.73 (-0.85%)

After Hours: $76.17 (-9.03, -10.60%)

Weekly Expected Move ±2.3%

$82 $84 $86 $88 $90

NASDAQ · Financial Services · Banks - Regional · Tech Score Neutral · Power 48 · $492.0M mcap · 4M float · 1.70% daily turnover · Short 28% 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

$172M +6.9% ▲

5Y CAGR: +22.6%

Gross Profit

$119M +14.4% ▲

5Y CAGR: +19.1%

Operating Income

$58M +10.6% ▲

5Y CAGR: +29.8%

Net Income

$41M +14.4% ▲

5Y CAGR: +30.1%

EPS (Diluted)

$6.92 +12.5% ▲

5Y CAGR: +29.0%

EBITDA

$58M +14.5% ▲

5Y CAGR: +28.5%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$75M	$92M	$101M	$161M	$172M
YoY Growth	+20.0%	+22.6%	+10.4%	+59.5%	+6.9%
Cost of Revenue	$7M	$8M	-$30M	$161M	$53M
Gross Profit	$67M	$83M	$131M	$104M	$119M
Gross Margin	90.2%	90.8%	129.2%	64.6%	69.2%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$31M	$40M	$43M	$52M	$45M
Operating Expenses	$38M	$48M	$43M	$52M	$61M
Operating Income	$30M	$35M	$58M	$52M	$58M
Operating Margin	40.0%	38.2%	57.7%	32.4%	33.6%
Interest Expense	$5M	$6M	$5M	$0	$47M
Income Before Tax	$30M	$35M	$57M	$51M	$58M
Tax Expense	$9M	$10M	$17M	$15M	$17M
Net Income	$21M	$25M	$41M	$36M	$41M
Net Margin	28.2%	27.0%	40.1%	22.0%	23.6%
EPS (Diluted)	$3.69	$4.34	$7.11	$6.15	$6.92
EBITDA	$31M	$36M	-$1M	$51M	$58M
Shares Outstanding	6M	6M	6M	6M	6M

Line Item	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2	FY2026 Q3
Revenue	$29M	$42M	$44M	$43M	$43M	$44M	$44M	$46M
Cost of Revenue	$0	$13M	$13M	$0	$13M	$12M	$10M	$12M
Gross Profit	$29M	$29M	$31M	$0	$30M	$33M	$35M	$34M
Gross Margin	100.0%	69.4%	69.9%	0.0%	69.1%	73.3%	78.3%	74.5%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$18M	$10M	$10M	$0	$12M	$12M	$12M	$12M
Operating Expenses	$18M	$14M	$16M	$0	$16M	$16M	$17M	$18M
Operating Income	$12M	$15M	$15M	$14M	$14M	$17M	$18M	$16M
Operating Margin	39.5%	35.8%	34.0%	31.8%	32.7%	38.0%	40.3%	34.6%
Interest Expense	$0	$13M	$12M	$0	$11M	$10M	$10M	$10M
Income Before Tax	$15M	$15M	$15M	$14M	$14M	$17M	$18M	$16M
Tax Expense	$4M	$4M	$4M	$4M	$4M	$5M	$5M	$5M
Net Income	$11M	$11M	$10M	$10M	$10M	$12M	$13M	$11M
Net Margin	36.3%	25.2%	23.9%	22.2%	23.0%	27.1%	29.6%	24.8%
EPS (Diluted)	$1.82	$1.80	$1.77	$1.65	$1.71	$2.07	$2.27	$1.97
EBITDA	$15M	$15M	$15M	$14M	$14M	$17M	$18M	$16M
Shares Outstanding	6M	6M	6M	6M	6M	6M	6M	6M

PBAM NASDAQ

Income Trends

Profit Margins

Year-over-Year Growth

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