$104.26

+0.21 (+0.20%)

Weekly Expected Move ±0.3%

$104 $104 $104 $104 $105

NASDAQ · Financial Services · Insurance - Property & Casualty · Tech Score Buy · Power 62 · $1.5B mcap · 14M float · 1.29% daily turnover · Short 43% 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

$1.3B +13.0% ▲

5Y CAGR: +8.3%

Gross Profit

$457M +16.2% ▲

5Y CAGR: +0.9%

Operating Income

$127M +41.0% ▲

5Y CAGR: -6.2%

Net Income

$99M +40.3% ▲

5Y CAGR: -6.4%

EPS (Diluted)

$6.70 +40.2% ▲

5Y CAGR: -6.1%

EBITDA

$128M +28.4% ▲

5Y CAGR: -6.8%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$865M	$785M	$926M	$1.1B	$1.3B
YoY Growth	+4.3%	-7.8%	+15.5%	+20.5%	+13.0%
Cost of Revenue	$462M	$492M	$642M	$717M	$797M
Gross Profit	$403M	$293M	$284M	$393M	$457M
Gross Margin	46.6%	37.3%	30.6%	35.4%	36.4%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$0	$0	$0	$0	$0
Operating Expenses	$239M	$234M	$259M	$303M	$330M
Operating Income	$164M	$60M	$24M	$90M	$127M
Operating Margin	19.0%	7.6%	2.6%	8.1%	10.1%
Interest Expense	$522K	$524K	$818K	$509K	$2M
Income Before Tax	$164M	$60M	$24M	$90M	$127M
Tax Expense	$34M	$13M	$6M	$19M	$27M
Net Income	$131M	$47M	$19M	$71M	$99M
Net Margin	15.1%	5.9%	2.0%	6.4%	7.9%
EPS (Diluted)	$8.80	$3.15	$1.28	$4.78	$6.70
EBITDA	$172M	$67M	$32M	$100M	$128M
Shares Outstanding	15M	15M	15M	15M	15M

Line Item	FY2024 Q3	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2
Revenue	$291M	$285M	$300M	$316M	$323M	$315M	$315M	$521M
Cost of Revenue	$182M	$193M	$190M	$194M	$205M	$208M	$247M	$195M
Gross Profit	$109M	$92M	$109M	$122M	$118M	$108M	$68M	$326M
Gross Margin	37.3%	32.2%	36.5%	38.5%	36.6%	34.1%	21.4%	62.5%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$0	$0	$0	$0	$0	$0	$0	$0
Operating Expenses	$76M	$82M	$81M	$85M	$82M	$82M	$85M	$282M
Operating Income	$33M	$10M	$28M	$37M	$36M	$25M	-$18M	$44M
Operating Margin	11.3%	3.6%	9.4%	11.7%	11.2%	8.1%	-5.7%	8.4%
Interest Expense	$124K	$124K	$104K	$442K	$426K	$558K	$618K	$814K
Income Before Tax	$33M	$10M	$28M	$37M	$36M	$25M	-$18M	$44M
Tax Expense	$7M	$2M	$6M	$8M	$8M	$5M	-$4M	$9M
Net Income	$26M	$8M	$22M	$29M	$28M	$20M	-$14M	$35M
Net Margin	8.9%	2.9%	7.3%	9.2%	8.8%	6.4%	-4.5%	6.6%
EPS (Diluted)	$1.73	$0.55	$1.48	$1.95	$1.90	$1.37	$-0.99	$2.36
EBITDA	$35M	$13M	$30M	$39M	$38M	$32M	-$16M	$46M
Shares Outstanding	15M	15M	15M	15M	15M	15M	14M	15M

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