Also trades as: TCBIL (NASDAQ) · $vol 1M · TCBIO (NASDAQ) · $vol 0M

$89.58

Last traded 2026-10-20 — delisted

NASDAQ · Financial Services · Banks - Regional · Tech Score Strong Sell · Power 40 · $3.9B mcap · 42M float · 1.23% daily turnover · Short 56% of daily vol

Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: $38.6M held by 67 funds, 125 bp over Treasuries → details ▾

Not rated: lending and leverage are a financial company's business, which the model misreads.
Bond figures are fund-reported marks (SEC N-PORT) as of Jul 2026. How these are computed.

Income Trends

Revenue

$2.0B +13.5% ▲

5Y CAGR: +11.2%

Gross Profit

$1.2B +40.0% ▲

5Y CAGR: +10.6%

Operating Income

$444M +314.4% ▲

5Y CAGR: +37.0%

Net Income

$330M +326.1% ▲

5Y CAGR: +37.9%

EPS (Diluted)

$6.80 +431.2% ▲

5Y CAGR: +43.4%

EBITDA

$480M +197.6% ▲

5Y CAGR: +23.5%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$987M	$1.2B	$1.8B	$1.8B	$2.0B
YoY Growth	-16.2%	+26.2%	+43.9%	-1.7%	+13.5%
Cost of Revenue	$78M	$334M	$788M	$895M	$787M
Gross Profit	$909M	$911M	$1.0B	$865M	$1.2B
Gross Margin	92.1%	73.1%	56.0%	49.2%	60.6%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$381M	$484M	$522M	$512M	$513M
Operating Expenses	$571M	$479M	$757M	$758M	$768M
Operating Income	$338M	$432M	$247M	$107M	$444M
Operating Margin	34.2%	34.7%	13.8%	6.1%	22.2%
Interest Expense	$108M	$268M	$716M	$828M	$743M
Income Before Tax	$338M	$432M	$247M	$107M	$433M
Tax Expense	$84M	$99M	$57M	$30M	$102M
Net Income	$254M	$332M	$189M	$78M	$330M
Net Margin	25.7%	26.7%	10.6%	4.4%	16.5%
EPS (Diluted)	$4.60	$6.18	$3.54	$1.28	$6.80
EBITDA	$431M	$477M	$287M	$161M	$480M
Shares Outstanding	51M	51M	49M	47M	45M

Line Item	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2	FY2026 Q3
Revenue	$492M	$472M	$494M	$529M	$504M	$488M	$440M	$539M
Cost of Revenue	$226M	$208M	$201M	$201M	$177M	$180M	$180M	$199M
Gross Profit	$266M	$263M	$292M	$328M	$327M	$308M	$260M	$340M
Gross Margin	54.0%	55.9%	59.2%	62.0%	64.9%	63.1%	59.2%	63.0%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$107M	$142M	$129M	$128M	$114M	$149M	$144M	$171M
Operating Expenses	$172M	$203M	$190M	$191M	$184M	$214M	$148M	$204M
Operating Income	$94M	$60M	$102M	$138M	$143M	$94M	$112M	$136M
Operating Margin	19.0%	12.8%	20.7%	26.0%	28.4%	19.3%	25.5%	25.2%
Interest Expense	$208M	$191M	$186M	$189M	$177M	$164M	$180M	$182M
Income Before Tax	$94M	$60M	$102M	$138M	$132M	$94M	$112M	$136M
Tax Expense	$22M	$13M	$25M	$33M	$32M	$21M	$27M	$32M
Net Income	$71M	$47M	$77M	$105M	$101M	$74M	$85M	$104M
Net Margin	14.4%	10.0%	15.7%	19.9%	20.0%	15.1%	19.3%	19.2%
EPS (Diluted)	$1.43	$0.92	$1.58	$2.18	$2.12	$1.56	$1.77	$2.28
EBITDA	$109M	$70M	$117M	$150M	$159M	$107M	$128M	$330M
Shares Outstanding	47M	47M	46M	46M	45M	45M	45M	44M

TCBI NASDAQ

Income Trends

Profit Margins

Year-over-Year Growth

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