$43.76

-0.03 (-0.07%)

Weekly Expected Move ±2.6%

$41 $42 $43 $44 $45

NASDAQ · Financial Services · Banks - Regional · Tech Score Buy · Power 63 · $824.4M mcap · 15M float · 0.916% 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.

Income Trends

Revenue

$297M +4.9% ▲

5Y CAGR: +4.7%

Gross Profit

$207M +11.7% ▲

5Y CAGR: +1.3%

Operating Income

$74M +17.0% ▲

5Y CAGR: +5.5%

Net Income

$58M +17.6% ▲

5Y CAGR: +5.2%

EPS (Diluted)

$3.44 +17.8% ▲

5Y CAGR: +6.5%

EBITDA

$74M +6.1% ▲

5Y CAGR: +3.2%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$228M	$232M	$249M	$283M	$297M
YoY Growth	-3.4%	+1.9%	+7.1%	+13.9%	+4.9%
Cost of Revenue	$11M	$20M	$77M	$98M	$90M
Gross Profit	$216M	$212M	$172M	$185M	$207M
Gross Margin	95.0%	91.3%	69.1%	65.3%	69.6%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$97M	$90M	$83M	$78M	$93M
Operating Expenses	$143M	$139M	$92M	$122M	$133M
Operating Income	$73M	$73M	$79M	$63M	$74M
Operating Margin	32.1%	31.5%	32.0%	22.4%	24.9%
Interest Expense	$13M	$23M	$72M	$94M	$85M
Income Before Tax	$73M	$73M	$79M	$63M	$74M
Tax Expense	$15M	$15M	$17M	$14M	$16M
Net Income	$59M	$58M	$63M	$50M	$58M
Net Margin	25.8%	25.1%	25.2%	17.6%	19.7%
EPS (Diluted)	$3.30	$3.42	$3.82	$2.92	$3.44
EBITDA	$80M	$80M	$86M	$70M	$74M
Shares Outstanding	18M	17M	16M	16M	17M

Line Item	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2	FY2026 Q3
Revenue	$73M	$69M	$76M	$74M	$74M	$74M	$81M	$90M
Cost of Revenue	$24M	$22M	$24M	$22M	$22M	$20M	$20M	$26M
Gross Profit	$49M	$47M	$52M	$52M	$52M	$54M	$60M	$64M
Gross Margin	67.2%	68.4%	68.4%	70.3%	70.1%	72.9%	74.6%	71.4%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$19M	$20M	$21M	$20M	$22M	$24M	$24M	$28M
Operating Expenses	$28M	$32M	$34M	$31M	$33M	$36M	$36M	$38M
Operating Income	$21M	$16M	$19M	$21M	$19M	$18M	$24M	$26M
Operating Margin	28.3%	22.7%	24.4%	27.9%	25.7%	24.8%	30.1%	29.2%
Interest Expense	$23M	$21M	$22M	$22M	$20M	$20M	$25M	$25M
Income Before Tax	$21M	$16M	$19M	$21M	$19M	$18M	$24M	$26M
Tax Expense	$4M	$3M	$4M	$4M	$4M	$4M	$5M	$6M
Net Income	$16M	$12M	$15M	$16M	$15M	$15M	$19M	$21M
Net Margin	22.5%	17.8%	19.1%	22.0%	20.5%	19.7%	23.5%	23.0%
EPS (Diluted)	$0.96	$0.72	$0.86	$0.96	$0.90	$0.85	$0.96	$1.06
EBITDA	$22M	$17M	$20M	$22M	$21M	$20M	$27M	$51M
Shares Outstanding	17M	17M	17M	17M	17M	17M	20M	20M

SPFI NASDAQ

Income Trends

Profit Margins

Year-over-Year Growth

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