$45.00

+0.05 (+0.11%)

After Hours: $45.09 (+0.09, +0.21%)

Weekly Expected Move ±6.7%

$39 $42 $45 $48 $51

NASDAQ · Financial Services · Banks - Regional · Tech Score Neutral · Power 54 · $115.6M mcap · 2M float · 0.651% daily turnover · Short 23% 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

$62M -0.7% ▼

5Y CAGR: +7.8%

Gross Profit

$39M +8.9% ▲

5Y CAGR: +2.7%

Operating Income

$9M +53.6% ▲

5Y CAGR: -5.2%

Net Income

$7M +54.3% ▲

5Y CAGR: -4.3%

EPS (Diluted)

$2.78 +54.4% ▲

5Y CAGR: -4.2%

EBITDA

$9M +20.0% ▲

5Y CAGR: -8.0%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$41M	$44M	$56M	$62M	$62M
YoY Growth	-2.7%	+7.7%	+25.3%	+11.6%	-0.7%
Cost of Revenue	$4M	$6M	$16M	$26M	$23M
Gross Profit	$37M	$39M	$39M	$36M	$39M
Gross Margin	89.4%	87.3%	70.3%	57.5%	63.1%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$14M	$16M	$17M	$18M	$18M
Operating Expenses	$25M	$28M	$30M	$30M	$30M
Operating Income	$11M	$11M	$9M	$6M	$9M
Operating Margin	27.7%	24.5%	16.2%	9.1%	14.1%
Interest Expense	$4M	$4M	$17M	$26M	$23M
Income Before Tax	$11M	$11M	$9M	$6M	$9M
Tax Expense	$2M	$2M	$2M	$1M	$2M
Net Income	$9M	$9M	$7M	$5M	$7M
Net Margin	22.2%	19.8%	13.4%	7.5%	11.6%
EPS (Diluted)	$3.49	$3.37	$2.86	$1.80	$2.78
EBITDA	$13M	$12M	$11M	$7M	$9M
Shares Outstanding	3M	3M	2M	3M	3M

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