$43.48

+0.52 (+1.21%)

After Hours: $44.62 (+1.15, +2.63%)

Weekly Expected Move ±9.2%

$36 $40 $44 $48 $52

NYSE · Financial Services · Insurance - Property & Casualty · Tech Score Sell · Power 38 · $1.3B mcap · 30M float · 0.982% daily turnover · Short 41% 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

By Geography

Revenue by Segment (5-Year Trend)

Income Trends

Revenue

$2.9B +17.3% ▲

5Y CAGR: +5.0%

Gross Profit

$2.6B +6.3% ▲

5Y CAGR: +3.4%

Operating Income

$166M +44.8% ▲

5Y CAGR: -5.4%

Net Income

$116M +57.6% ▲

5Y CAGR: -5.7%

EPS (Diluted)

$4.04 +54.8% ▲

5Y CAGR: -8.3%

EBITDA

$241M +23.3% ▲

5Y CAGR: +0.1%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$3.3B	$3.1B	$2.3B	$2.5B	$2.9B
YoY Growth	+44.5%	-7.2%	-26.5%	+10.3%	+17.3%
Cost of Revenue	$126M	$103M	$80M	$80M	$359M
Gross Profit	$3.2B	$3.0B	$2.2B	$2.4B	$2.6B
Gross Margin	96.2%	96.7%	96.4%	96.8%	87.7%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$777M	$802M	$713M	$745M	$1.0B
Operating Expenses	$2.7B	$2.7B	$2.1B	$2.3B	$2.4B
Operating Income	$434M	$233M	$61M	$114M	$166M
Operating Margin	13.1%	7.6%	2.7%	4.6%	5.7%
Interest Expense	$5M	$18M	$20M	$20M	$20M
Income Before Tax	$434M	$233M	$61M	$114M	$166M
Tax Expense	$94M	$51M	$15M	$26M	$35M
Net Income	$323M	$162M	$30M	$73M	$116M
Net Margin	9.8%	5.3%	1.3%	2.9%	4.0%
EPS (Diluted)	$11.90	$5.94	$1.11	$2.61	$4.04
EBITDA	$475M	$308M	$143M	$196M	$241M
Shares Outstanding	27M	27M	28M	28M	29M

Line Item	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2	FY2026 Q3
Revenue	$666M	$612M	$722M	$797M	$791M	$781M	$899M	$901M
Cost of Revenue	$21M	$18M	$21M	$20M	$300M	$295M	$22M	$24M
Gross Profit	$645M	$594M	$701M	$777M	$491M	$487M	$877M	$877M
Gross Margin	96.9%	97.1%	97.0%	97.5%	62.1%	62.3%	97.5%	97.4%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$199M	$186M	$208M	$211M	$439M	$439M	$241M	$231M
Operating Expenses	$610M	$588M	$654M	$716M	$439M	$455M	$822M	$832M
Operating Income	$35M	$6M	$47M	$61M	$52M	$31M	$55M	$46M
Operating Margin	5.3%	1.0%	6.5%	7.7%	6.5%	4.0%	6.1%	5.1%
Interest Expense	$5M	$5M	$5M	$5M	$6M	$8M	$7M	$8M
Income Before Tax	$35M	$6M	$47M	$61M	$52M	$24M	$55M	$46M
Tax Expense	$8M	$484K	$11M	$13M	$11M	$5M	$13M	$12M
Net Income	$23M	$3M	$32M	$44M	$36M	$17M	$37M	$30M
Net Margin	3.4%	0.5%	4.4%	5.6%	4.6%	2.2%	4.1%	3.4%
EPS (Diluted)	$0.80	$0.11	$1.13	$1.55	$1.25	$0.55	$1.21	$0.98
EBITDA	$56M	$26M	$67M	$81M	$67M	$48M	$80M	$72M
Shares Outstanding	28M	28M	28M	28M	29M	31M	31M	31M

STC NYSE