$25.24

-0.00 (-0.01%)

After Hours: $25.22 (-0.02, -0.08%)

Weekly Expected Move ±0.4%

$25 $25 $25 $25 $25

NASDAQ · Financial Services · Financial - Credit Services · Tech Score Buy · Power 61 · $266.6M mcap · 36M float · 0.012% daily turnover · Short 44% of daily vol

Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: $49.8M held by 1 funds, 281 bp over Treasuries → details ▾

Not rated: lending and leverage are a financial company's business, which the model misreads.
Bond figures are fund-reported marks (SEC N-PORT) as of Jul 2026. How these are computed.

Overview News Chart Smart Money Financials Income Statement Cash Flow Balance Sheet Earnings

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Income Trends

Revenue

$140M +12.8% ▲

5Y CAGR: +21.7%

Gross Profit

$110M +28.1% ▲

5Y CAGR: +16.4%

Operating Income

$77M +4.2% ▲

5Y CAGR: +10.3%

Net Income

$34M -53.7% ▼

5Y CAGR: -6.2%

EPS (Diluted)

$0.93 -50.8% ▼

5Y CAGR: -4.0%

EBITDA

$77M +4.2% ▲

5Y CAGR: +10.3%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$54M	$55M	$95M	$124M	$140M
YoY Growth	+44.5%	+41.3%	+36.7%	-0.8%	+12.8%
Cost of Revenue	$4M	$14M	$39M	$38M	$30M
Gross Profit	$50M	$41M	$56M	$86M	$110M
Gross Margin	92.2%	75.1%	59.1%	69.1%	78.5%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$4M	$6M	$6M	$6M	$2M
Operating Expenses	$4M	$9M	$12M	$12M	$33M
Operating Income	$46M	$32M	$44M	$74M	$77M
Operating Margin	84.5%	58.5%	46.9%	59.3%	54.7%
Interest Expense	$4M	$14M	$39M	$44M	$43M
Income Before Tax	$46M	$32M	$44M	$74M	$34M
Tax Expense	$0	$0	$0	$0	$0
Net Income	$46M	$32M	$44M	$74M	$34M
Net Margin	84.5%	58.5%	46.9%	59.3%	24.3%
EPS (Diluted)	$1.33	$0.79	$1.09	$1.89	$0.93
EBITDA	$46M	$32M	$44M	$74M	$77M
Shares Outstanding	40M	41M	41M	39M	37M

Line Item	FY2024 Q3	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2
Revenue	$38M	$41M	$14M	$31M	$21M	$19M	$31M	-$8M
Cost of Revenue	$10M	$10M	$9M	$10M	$9M	$9M	$7M	$4M
Gross Profit	$28M	$31M	$5M	$20M	$12M	$10M	$24M	-$12M
Gross Margin	73.5%	75.9%	35.2%	67.1%	55.5%	54.5%	77.6%	147.4%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$2M	$1M	$1M	$2M	$2M	$2M	$604K	$1M
Operating Expenses	$3M	$3M	$3M	$4M	$4M	$3M	$48M	-$52M
Operating Income	$25M	$28M	$2M	$17M	$8M	$7M	-$24M	$40M
Operating Margin	65.9%	68.6%	13.6%	55.0%	38.2%	38.7%	-79.2%	-488.3%
Interest Expense	$11M	$10M	$9M	$10M	$9M	$9M	$10M	$13M
Income Before Tax	$25M	$28M	$2M	$17M	$8M	$7M	-$35M	$27M
Tax Expense	$0	$0	$0	$0	$0	$0	$0	$0
Net Income	$25M	$28M	$2M	$17M	$8M	$7M	-$35M	$27M
Net Margin	65.9%	68.6%	13.6%	55.0%	38.2%	38.7%	-113.4%	-330.4%
EPS (Diluted)	$0.65	$0.75	$0.42	$0.45	$0.22	$0.20	$-0.96	$0.65
EBITDA	$25M	$28M	$2M	$17M	$8M	$7M	-$24M	$40M
Shares Outstanding	38M	37M	37M	37M	36M	37M	36M	42M

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Income Trends

Profit Margins

Year-over-Year Growth

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