$16.79

-0.01 (-0.06%)

Weekly Expected Move ±4.9%

$15 $16 $17 $18 $18

NASDAQ · Financial Services · Banks - Regional · Tech Score Sell · Power 42 · $105.4M mcap · 3M float · 0.292% daily turnover · Short 23% 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.

Revenue Segmentation

By Product / Service

Revenue by Segment (5-Year Trend)

Income Trends

Revenue

$79M -5.2% ▼

5Y CAGR: +10.4%

Gross Profit

$30M -13.2% ▼

5Y CAGR: -1.4%

Operating Income

-$4M -179.3% ▼

Net Income

-$3M -201.0% ▼

EPS (Diluted)

$-0.54 -228.6% ▼

EBITDA

-$2M -129.9% ▼

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$51M	$56M	$72M	$83M	$79M
YoY Growth	+5.8%	+10.4%	+27.4%	+16.2%	-5.2%
Cost of Revenue	$9M	$12M	$32M	$48M	$49M
Gross Profit	$42M	$44M	$40M	$35M	$30M
Gross Margin	83.2%	77.9%	55.9%	42.1%	38.5%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$16M	$18M	$17M	$19M	$20M
Operating Expenses	$26M	$28M	$28M	$30M	$35M
Operating Income	$16M	$16M	$12M	$5M	-$4M
Operating Margin	31.4%	27.8%	16.4%	6.2%	-5.2%
Interest Expense	$8M	$10M	$29M	$37M	$32M
Income Before Tax	$16M	$16M	$12M	$5M	-$4M
Tax Expense	$3M	$3M	$2M	$332K	-$676K
Net Income	$12M	$13M	$9M	$3M	-$3M
Net Margin	24.3%	22.9%	12.9%	4.1%	-4.3%
EPS (Diluted)	$2.07	$2.13	$1.51	$0.42	$-0.54
EBITDA	$18M	$16M	$13M	$6M	-$2M
Shares Outstanding	4M	5M	5M	6M	6M

Line Item	FY2024 Q3	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2
Revenue	$23M	$21M	$21M	$18M	$21M	$20M	$19M	$19M
Cost of Revenue	$18M	$10M	$8M	$10M	$12M	$19M	$7M	$7M
Gross Profit	$4M	$11M	$12M	$8M	$10M	$629K	$12M	$12M
Gross Margin	18.5%	51.2%	58.9%	45.9%	45.2%	3.2%	62.9%	61.8%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$5M	$5M	$5M	$5M	$5M	$5M	$6M	$7M
Operating Expenses	$10M	$5M	$8M	$8M	$9M	$9M	$9M	$9M
Operating Income	-$6M	$6M	$4M	$38K	$672K	-$9M	$3M	$3M
Operating Margin	-25.6%	27.7%	18.0%	0.2%	3.2%	-43.5%	15.6%	16.9%
Interest Expense	$9M	$9M	$8M	$8M	$8M	$8M	$7M	$8M
Income Before Tax	-$6M	$6M	$4M	$38K	$672K	-$9M	$3M	$3M
Tax Expense	-$1M	$492K	$744K	$7K	$46K	-$1M	$530K	$585K
Net Income	-$5M	$4M	$3M	$31K	$626K	-$7M	$2M	$3M
Net Margin	-20.5%	18.8%	14.4%	0.2%	2.9%	-35.9%	12.8%	13.8%
EPS (Diluted)	$-0.75	$0.69	$0.41	$0.01	$0.10	$-1.11	$0.38	$0.42
EBITDA	-$5M	$6M	$4M	$551K	$1M	-$8M	$4M	$11M
Shares Outstanding	5M	5M	5M	5M	5M	6M	6M	5M

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