Also trades as: SAR (NYSE) · $vol 2M

$25.26

-0.02 (-0.09%)

Pre-Market: $26.05 (+0.79, +3.13%)

Weekly Expected Move ±0.4%

$25 $25 $25 $25 $25

NYSE · Financial Services · Asset Management · Tech Score Strong Buy · Power 67 · $207.1M mcap · 13M float · 0.046% 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.

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

Dividends Analysis Technicals Weather Peers ESG Institutions Dark Pool Short Interest Supply Chain

Income Trends

Revenue

$99M +5.4% ▲

5Y CAGR: +20.0%

Gross Profit

$50M +18.6% ▲

5Y CAGR: +13.7%

Operating Income

$38M +19.1% ▲

5Y CAGR: +13.8%

Net Income

$37M +30.3% ▲

5Y CAGR: +19.9%

EPS (Diluted)

$2.31 +14.4% ▲

5Y CAGR: +11.8%

EBITDA

$38M +19.1% ▲

5Y CAGR: +13.8%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2022	FY2023	FY2024	FY2025	FY2026
Revenue	$77M	$70M	$70M	$94M	$99M
YoY Growth	+94.1%	-9.8%	-0.4%	+35.4%	+5.4%
Cost of Revenue	$20M	$33M	$49M	$52M	$49M
Gross Profit	$58M	$36M	$20M	$42M	$50M
Gross Margin	74.3%	52.0%	29.3%	44.7%	50.3%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$7M	$8M	$9M	$9M	$11M
Operating Expenses	$9M	$10M	$9M	$10M	$12M
Operating Income	$49M	$27M	$12M	$32M	$38M
Operating Margin	62.6%	38.3%	16.8%	33.9%	38.4%
Interest Expense	$20M	$33M	$49M	$52M	$49M
Income Before Tax	$49M	$27M	$12M	$32M	$38M
Tax Expense	$3M	$2M	$3M	$4M	$1M
Net Income	$46M	$25M	$9M	$28M	$37M
Net Margin	59.0%	35.3%	12.8%	29.8%	36.9%
EPS (Diluted)	$3.99	$2.06	$0.71	$2.02	$2.31
EBITDA	$49M	$27M	$12M	$32M	$38M
Shares Outstanding	11M	12M	13M	14M	16M

Line Item	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2	FY2026 Q3	FY2026 Q4	FY2027 Q1	FY2027 Q2
Revenue	$25M	$17M	$29M	$28M	$27M	$15M	$31M	$31M
Cost of Revenue	$13M	$13M	$12M	$12M	$12M	$13M	$7M	$7M
Gross Profit	$12M	$5M	$17M	$15M	$15M	$2M	$24M	$24M
Gross Margin	47.6%	26.0%	57.5%	55.4%	56.3%	15.7%	77.7%	77.9%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$3M	$1M	$3M	$3M	$3M	$2M	$3M	$3M
Operating Expenses	$3M	$2M	$3M	$3M	$3M	$3M	$3M	$3M
Operating Income	$9M	$2M	$14M	$13M	$12M	-$750K	$21M	$21M
Operating Margin	36.2%	13.5%	47.9%	46.3%	43.8%	-5.0%	69.0%	68.7%
Interest Expense	$13M	$13M	$12M	$12M	$12M	$13M	$14M	$14M
Income Before Tax	$9M	$2M	$14M	$13M	$12M	-$750K	-$7M	-$7M
Tax Expense	$164K	$3M	$110K	-$435K	-$55K	$2M	-$17K	$46K
Net Income	$9M	-$677K	$14M	$13M	$12M	-$3M	-$7M	-$7M
Net Margin	35.5%	-3.9%	47.6%	47.9%	44.0%	-17.5%	-22.4%	-21.4%
EPS (Diluted)	$0.64	$-0.05	$0.91	$0.84	$0.74	$-0.16	$-0.42	$-0.41
EBITDA	$9M	$2M	$14M	$13M	$12M	-$750K	$21M	$21M
Shares Outstanding	14M	15M	15M	16M	16M	16M	16M	16M

SAY NYSE

Income Trends

Profit Margins

Year-over-Year Growth

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