$50.59

-0.43 (-0.84%)

After Hours: $48.40 (-2.19, -4.33%)

Weekly Expected Move ±2.9%

$48 $49 $51 $52 $53

NASDAQ · Financial Services · Banks - Regional · Tech Score Buy · Power 62 · $1.8B mcap · 35M float · 0.764% daily turnover · Short 67% 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

$569M +0.6% ▲

5Y CAGR: +8.4%

Gross Profit

$395M +2.9% ▲

5Y CAGR: +13.7%

Operating Income

$168M +1.9% ▲

5Y CAGR: +51.5%

Net Income

$134M +2.3% ▲

5Y CAGR: +44.9%

EPS (Diluted)

$3.49 +2.6% ▲

5Y CAGR: +45.8%

EBITDA

$175M -0.4% ▼

5Y CAGR: +39.5%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$354M	$399M	$536M	$565M	$569M
YoY Growth	-6.9%	+12.7%	+34.2%	+5.5%	+0.6%
Cost of Revenue	$29M	$33M	$146M	$181M	$174M
Gross Profit	$325M	$366M	$389M	$384M	$395M
Gross Margin	91.7%	91.6%	72.7%	67.9%	69.4%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$109M	$112M	$122M	$133M	$157M
Operating Expenses	$189M	$197M	$210M	$219M	$227M
Operating Income	$136M	$169M	$179M	$165M	$168M
Operating Margin	38.3%	42.3%	33.4%	29.2%	29.5%
Interest Expense	$13M	$25M	$128M	$181M	$166M
Income Before Tax	$136M	$169M	$179M	$165M	$168M
Tax Expense	$25M	$33M	$34M	$34M	$34M
Net Income	$110M	$136M	$145M	$131M	$134M
Net Margin	31.2%	34.0%	27.0%	23.2%	23.6%
EPS (Diluted)	$2.81	$3.46	$3.74	$3.40	$3.49
EBITDA	$147M	$178M	$186M	$176M	$175M
Shares Outstanding	39M	39M	39M	39M	38M

Line Item	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2	FY2026 Q3
Revenue	$139M	$135M	$142M	$145M	$145M	$140M	$128M	$146M
Cost of Revenue	$42M	$38M	$44M	$45M	$46M	$39M	$38M	$40M
Gross Profit	$97M	$97M	$98M	$100M	$100M	$101M	$90M	$106M
Gross Margin	69.7%	71.6%	68.9%	68.9%	68.5%	72.0%	70.6%	72.7%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$33M	$33M	$35M	$35M	$35M	$34M	$59M	$47M
Operating Expenses	$55M	$55M	$58M	$56M	$57M	$57M	$60M	$58M
Operating Income	$41M	$42M	$40M	$44M	$42M	$44M	$31M	$49M
Operating Margin	29.8%	30.8%	28.1%	30.2%	29.2%	31.5%	23.9%	33.3%
Interest Expense	$45M	$42M	$42M	$42M	$40M	$38M	$38M	$39M
Income Before Tax	$41M	$42M	$40M	$44M	$42M	$44M	$45M	$49M
Tax Expense	$8M	$8M	$8M	$9M	$8M	$9M	$9M	$10M
Net Income	$33M	$33M	$32M	$35M	$34M	$35M	$37M	$39M
Net Margin	23.8%	24.7%	22.4%	24.0%	23.4%	25.1%	28.6%	26.4%
EPS (Diluted)	$0.86	$0.87	$0.83	$0.91	$0.89	$0.94	$1.00	$1.09
EBITDA	$41M	$42M	$40M	$44M	$42M	$44M	$31M	$87M
Shares Outstanding	39M	39M	39M	39M	38M	37M	37M	36M

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