$14.88

-0.05 (-0.33%)

After Hours: $14.07 (-0.81, -5.48%)

Weekly Expected Move ±2.6%

$14 $15 $15 $15 $16

NYSE · Financial Services · Insurance - Life · Tech Score Neutral · Power 44 · $39.7B mcap · 60M float · 0.081% daily turnover · Short 46% 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

Revenue Segmentation

By Product / Service

By Geography

Revenue by Segment (5-Year Trend)

Income Trends

Revenue

$60.8B -14.0% ▼

5Y CAGR: +1.3%

Gross Profit

$25.6B +45.8% ▲

5Y CAGR: +10.9%

Operating Income

$4.8B +49.1% ▲

Net Income

$3.6B +31.1% ▲

EPS (Diluted)

$10.22 +36.3% ▲

EBITDA

$4.9B +36.8% ▲

5Y CAGR: +105.5%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$71.1B	$57.0B	$54.3B	$70.7B	$60.8B
YoY Growth	+24.8%	-19.9%	-4.7%	+30.2%	-14.0%
Cost of Revenue	$42.9B	$45.1B	$36.7B	$53.2B	$35.2B
Gross Profit	$28.3B	$11.9B	$17.6B	$17.5B	$25.6B
Gross Margin	39.7%	20.9%	32.4%	24.8%	42.0%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$13.6B	$12.6B	$13.0B	$13.3B	$13.0B
Operating Expenses	$17.4B	$13.8B	$14.5B	$14.3B	$20.8B
Operating Income	$10.8B	-$1.9B	$3.1B	$3.2B	$4.8B
Operating Margin	15.2%	-3.3%	5.7%	4.5%	7.9%
Interest Expense	$0	$0	$0	$0	$2.1B
Income Before Tax	$10.9B	-$2.0B	$3.1B	$3.4B	$4.8B
Tax Expense	$2.0B	-$279M	$613M	$507M	$1.1B
Net Income	$8.9B	-$1.6B	$2.5B	$2.7B	$3.6B
Net Margin	12.5%	-2.9%	4.6%	3.9%	5.9%
EPS (Diluted)	$19.51	$-4.49	$6.74	$7.50	$10.22
EBITDA	$11.0B	-$1.8B	$3.0B	$3.6B	$4.9B
Shares Outstanding	390M	372M	365M	359M	350M

Line Item	FY2024 Q3	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2
Revenue	$19.5B	$12.6B	$13.5B	$13.8B	$17.9B	$15.7B	$15.5B	$15.7B
Cost of Revenue	$15.4B	$9.3B	$9.3B	$9.6B	$12.4B	$10.7B	$11.1B	$10.6B
Gross Profit	$4.1B	$3.3B	$4.2B	$4.3B	$5.5B	$4.9B	$4.5B	$5.0B
Gross Margin	21.0%	26.3%	31.1%	30.8%	30.8%	31.5%	28.7%	32.0%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$3.3B	$3.3B	$3.1B	$3.2B	$3.3B	$9.5B	$3.5B	$3.8B
Operating Expenses	$3.5B	$3.5B	$3.3B	$3.5B	$3.8B	$3.7B	$3.7B	$3.8B
Operating Income	$553M	-$149M	$920M	$740M	$1.8B	$1.2B	$735M	$1.3B
Operating Margin	2.8%	-1.2%	6.8%	5.4%	9.9%	7.7%	4.7%	8.0%
Interest Expense	$0	$0	$0	$0	$0	$533M	$539M	$218M
Income Before Tax	$591M	-$113M	$949M	$761M	$1.9B	$1.2B	$735M	$1.2B
Tax Expense	$140M	-$186M	$207M	$195M	$382M	$269M	$129M	$218M
Net Income	$448M	-$57M	$707M	$533M	$1.4B	$905M	$597M	$909M
Net Margin	2.3%	-0.5%	5.2%	3.9%	8.0%	5.8%	3.8%	5.8%
EPS (Diluted)	$1.24	$-0.16	$1.96	$1.48	$4.01	$2.59	$1.71	$2.80
EBITDA	$512M	-$96M	$759M	$1.2B	$1.6B	$1.2B	$878M	$1.3B
Shares Outstanding	359M	357M	356M	355M	353M	350M	349M	325M

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