$87.95

+0.09 (+0.10%)

After Hours: $81.75 (-6.20, -7.06%)

Weekly Expected Move ±2.3%

$83 $85 $87 $89 $91

NASDAQ · Financial Services · Banks - Regional · Tech Score Buy · Power 66 · $2.1B mcap · 18M float · 0.721% daily turnover · Short 51% 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

$600M +5.2% ▲

5Y CAGR: +10.3%

Gross Profit

$422M +12.6% ▲

5Y CAGR: +7.5%

Operating Income

$205M +19.9% ▲

5Y CAGR: +14.0%

Net Income

$158M +19.3% ▲

5Y CAGR: +14.2%

EPS (Diluted)

$6.46 +20.5% ▲

5Y CAGR: +15.3%

EBITDA

$214M +16.7% ▲

5Y CAGR: +9.3%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$355M	$385M	$508M	$570M	$600M
YoY Growth	-3.3%	+8.5%	+31.8%	+12.4%	+5.2%
Cost of Revenue	$14M	$44M	$144M	$196M	$178M
Gross Profit	$341M	$341M	$363M	$375M	$422M
Gross Margin	96.1%	88.7%	71.6%	65.7%	70.3%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$108M	$109M	$122M	$128M	$111M
Operating Expenses	$185M	$185M	$202M	$204M	$217M
Operating Income	$155M	$157M	$162M	$171M	$205M
Operating Margin	43.6%	40.7%	31.9%	30.0%	34.2%
Interest Expense	$18M	$30M	$138M	$183M	$166M
Income Before Tax	$155M	$157M	$162M	$171M	$204M
Tax Expense	$36M	$36M	$37M	$38M	$46M
Net Income	$119M	$121M	$125M	$133M	$158M
Net Margin	33.4%	31.3%	24.6%	23.3%	26.4%
EPS (Diluted)	$4.70	$4.84	$5.03	$5.36	$6.46
EBITDA	$179M	$176M	$177M	$183M	$214M
Shares Outstanding	25M	25M	25M	24M	24M

Line Item	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2	FY2026 Q3
Revenue	$142M	$146M	$150M	$153M	$151M	$149M	$156M	$158M
Cost of Revenue	$46M	$46M	$50M	$43M	$40M	$43M	$39M	$39M
Gross Profit	$96M	$101M	$101M	$110M	$111M	$106M	$117M	$119M
Gross Margin	67.8%	68.8%	66.9%	71.8%	73.6%	71.0%	74.7%	75.6%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$28M	$35M	$3M	$37M	$36M	$3M	$48M	$48M
Operating Expenses	$56M	$53M	$52M	$55M	$57M	$55M	$56M	$55M
Operating Income	$40M	$48M	$48M	$55M	$54M	$51M	$61M	$64M
Operating Margin	28.3%	32.6%	32.0%	36.0%	36.1%	34.4%	39.0%	40.6%
Interest Expense	$44M	$42M	$42M	$42M	$40M	$36M	$38M	$38M
Income Before Tax	$40M	$48M	$48M	$55M	$54M	$51M	$62M	$64M
Tax Expense	$9M	$10M	$11M	$13M	$12M	$11M	$14M	$15M
Net Income	$31M	$38M	$37M	$42M	$41M	$40M	$48M	$50M
Net Margin	22.2%	25.6%	24.8%	27.7%	27.3%	26.8%	30.5%	31.4%
EPS (Diluted)	$1.27	$1.52	$1.51	$1.71	$1.69	$1.65	$1.93	$2.03
EBITDA	$43M	$51M	$51M	$58M	$55M	$54M	$63M	$105M
Shares Outstanding	24M	25M	25M	24M	24M	24M	24M	24M

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