$22.55

-0.14 (-0.62%)

After Hours: $22.30 (-0.25, -1.13%)

Weekly Expected Move ±2.7%

$22 $22 $23 $24 $24

NASDAQ · Financial Services · Banks - Regional · Tech Score Neutral · Power 52 · $752.5M mcap · 30M float · 0.716% daily turnover · Short 44% 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

$343M +5.0% ▲

5Y CAGR: +37.2%

Gross Profit

$217M +10.0% ▲

5Y CAGR: +29.5%

Operating Income

$79M +34.0% ▲

5Y CAGR: +30.2%

Net Income

$60M +35.6% ▲

5Y CAGR: +30.5%

EPS (Diluted)

$1.78 +34.8% ▲

5Y CAGR: +7.0%

EBITDA

$79M +5.4% ▲

5Y CAGR: +27.3%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$84M	$137M	$238M	$326M	$343M
YoY Growth	+18.8%	+63.7%	+74.1%	+36.9%	+5.0%
Cost of Revenue	$6M	$14M	$110M	$130M	$126M
Gross Profit	$78M	$122M	$129M	$197M	$217M
Gross Margin	93.2%	89.4%	54.0%	60.3%	63.2%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$32M	$48M	$62M	$73M	$85M
Operating Expenses	$57M	$80M	$115M	$138M	$138M
Operating Income	$21M	$42M	$14M	$59M	$79M
Operating Margin	25.3%	30.8%	5.9%	18.0%	23.0%
Interest Expense	$6M	$13M	$79M	$125M	$118M
Income Before Tax	$21M	$42M	$14M	$59M	$79M
Tax Expense	$6M	$11M	$3M	$15M	$19M
Net Income	$15M	$31M	$11M	$44M	$60M
Net Margin	18.4%	22.8%	4.7%	13.4%	17.4%
EPS (Diluted)	$1.17	$1.57	$0.42	$1.32	$1.78
EBITDA	$24M	$48M	$25M	$75M	$79M
Shares Outstanding	13M	20M	27M	33M	33M

Line Item	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2	FY2026 Q3
Revenue	$85M	$83M	$86M	$85M	$89M	$86M	$86M	$88M
Cost of Revenue	$33M	$31M	$31M	$32M	$33M	$26M	$25M	$30M
Gross Profit	$52M	$52M	$55M	$53M	$56M	$60M	$61M	$58M
Gross Margin	61.1%	62.6%	64.0%	62.9%	63.4%	69.7%	70.5%	65.6%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$19M	$18M	$19M	$20M	$27M	$23M	$28M	$28M
Operating Expenses	$34M	$34M	$34M	$34M	$35M	$37M	$36M	$35M
Operating Income	$18M	$18M	$21M	$19M	$21M	$23M	$25M	$22M
Operating Margin	21.3%	22.0%	24.0%	22.4%	23.4%	26.5%	29.2%	25.4%
Interest Expense	$32M	$30M	$29M	$29M	$30M	$26M	$25M	$25M
Income Before Tax	$18M	$18M	$21M	$19M	$21M	$23M	$25M	$22M
Tax Expense	$5M	$4M	$5M	$5M	$5M	$6M	$6M	$6M
Net Income	$13M	$14M	$16M	$14M	$16M	$17M	$19M	$17M
Net Margin	15.6%	16.6%	18.0%	16.9%	17.9%	20.0%	21.9%	19.1%
EPS (Diluted)	$0.40	$0.41	$0.46	$0.43	$0.48	$0.51	$0.56	$0.50
EBITDA	$22M	$22M	$25M	$23M	$24M	$26M	$53M	$49M
Shares Outstanding	33M	33M	33M	33M	33M	33M	33M	33M

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