$45.91

+0.13 (+0.28%)

Pre-Market: $43.31 (-2.59, -5.65%)

Weekly Expected Move ±2.9%

$43 $44 $45 $47 $48

NASDAQ · Financial Services · Banks - Regional · Tech Score Buy · Power 69 · $813.9M mcap · 15M float · 1.11% daily turnover · Short 61% 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

$441M +9.5% ▲

5Y CAGR: +14.2%

Gross Profit

$256M +18.3% ▲

5Y CAGR: +10.9%

Operating Income

$52M +16.4% ▲

5Y CAGR: +10.3%

Net Income

$37M +13.2% ▲

5Y CAGR: +7.3%

EPS (Diluted)

$2.11 +14.1% ▲

5Y CAGR: +9.0%

EBITDA

$63M +27.6% ▲

5Y CAGR: +11.7%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$229M	$275M	$374M	$403M	$441M
YoY Growth	+0.6%	+20.1%	+36.0%	+7.8%	+9.5%
Cost of Revenue	$28M	$42M	$162M	$186M	$185M
Gross Profit	$200M	$233M	$212M	$217M	$256M
Gross Margin	87.6%	84.7%	56.7%	53.8%	58.1%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$85M	$93M	$105M	$128M	$134M
Operating Expenses	$123M	$130M	$144M	$172M	$204M
Operating Income	$78M	$102M	$67M	$45M	$52M
Operating Margin	33.9%	37.3%	18.0%	11.2%	11.9%
Interest Expense	$22M	$36M	$148M	$179M	$162M
Income Before Tax	$78M	$102M	$67M	$45M	$52M
Tax Expense	$21M	$28M	$18M	$12M	$15M
Net Income	$57M	$74M	$49M	$33M	$37M
Net Margin	24.7%	27.0%	13.1%	8.2%	8.5%
EPS (Diluted)	$2.93	$4.00	$2.71	$1.85	$2.11
EBITDA	$82M	$107M	$72M	$50M	$63M
Shares Outstanding	19M	19M	18M	18M	18M

Line Item	FY2024 Q3	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2
Revenue	$101M	$105M	$104M	$110M	$112M	$116M	$118M	$122M
Cost of Revenue	$47M	$46M	$45M	$48M	$47M	$45M	$42M	$44M
Gross Profit	$54M	$59M	$59M	$62M	$65M	$71M	$75M	$78M
Gross Margin	53.8%	56.2%	56.5%	56.4%	58.1%	61.0%	63.9%	63.7%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$32M	$35M	$37M	$38M	$39M	$20M	$2M	$2M
Operating Expenses	$44M	$47M	$48M	$51M	$51M	$54M	$55M	$56M
Operating Income	$11M	$12M	$10M	$11M	$14M	$17M	$20M	$22M
Operating Margin	10.6%	11.7%	10.0%	10.2%	12.2%	14.7%	16.8%	18.2%
Interest Expense	$46M	$44M	$41M	$41M	$42M	$37M	$35M	$36M
Income Before Tax	$11M	$12M	$10M	$11M	$14M	$17M	$20M	$22M
Tax Expense	$3M	$3M	$3M	$3M	$4M	$5M	$6M	$6M
Net Income	$8M	$9M	$8M	$8M	$10M	$12M	$14M	$16M
Net Margin	7.5%	8.8%	7.3%	7.2%	8.6%	10.5%	12.0%	13.1%
EPS (Diluted)	$0.43	$0.52	$0.43	$0.45	$0.54	$0.69	$0.80	$0.85
EBITDA	$12M	$13M	$12M	$13M	$15M	$24M	$21M	$24M
Shares Outstanding	18M	18M	18M	18M	18M	18M	18M	18M

PGC NASDAQ