$236.10

-2.97 (-1.24%)

After Hours: $225.12 (-10.97, -4.65%)

Weekly Expected Move ±2.8%

$224 $231 $238 $245 $251

NYSE · Financial Services · Insurance - Property & Casualty · Tech Score Strong Buy · Power 71 · $8.3B mcap · 34M float · 0.899% daily turnover · Short 59% 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

$6.6B +6.1% ▲

5Y CAGR: +6.5%

Gross Profit

$2.9B +131.7% ▲

5Y CAGR: +22.9%

Operating Income

$844M +56.9% ▲

5Y CAGR: +13.7%

Net Income

$662M +55.5% ▲

5Y CAGR: +13.1%

EPS (Diluted)

$18.51 +58.2% ▲

5Y CAGR: +14.5%

EBITDA

$887M +54.7% ▲

5Y CAGR: +12.1%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$5.2B	$5.4B	$6.0B	$6.2B	$6.6B
YoY Growth	+7.1%	+5.3%	+9.8%	+4.2%	+6.1%
Cost of Revenue	$4.1B	$4.7B	$5.3B	$5.0B	$3.7B
Gross Profit	$1.0B	$716M	$653M	$1.2B	$2.9B
Gross Margin	20.2%	13.2%	10.9%	19.9%	43.5%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$0	$0	$0	$0	$0
Operating Expenses	$521M	$572M	$612M	$700M	$2.0B
Operating Income	$521M	$144M	$41M	$538M	$844M
Operating Margin	10.1%	2.7%	0.7%	8.7%	12.8%
Interest Expense	$34M	$34M	$34M	$34M	$43M
Income Before Tax	$521M	$144M	$41M	$538M	$844M
Tax Expense	$101M	$27M	$8M	$112M	$183M
Net Income	$423M	$116M	$35M	$426M	$662M
Net Margin	8.2%	2.1%	0.6%	6.9%	10.0%
EPS (Diluted)	$11.49	$3.21	$0.98	$11.70	$18.51
EBITDA	$572M	$191M	$82M	$573M	$887M
Shares Outstanding	36M	36M	36M	36M	36M

Line Item	FY2024 Q3	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2
Revenue	$1.6B	$1.6B	$1.6B	$1.7B	$1.7B	$1.7B	$1.7B	$1.7B
Cost of Revenue	$1.3B	$1.2B	$1.3B	$1.3B	$1.3B	$890M	$958M	$962M
Gross Profit	$300M	$406M	$326M	$375M	$406M	$782M	$744M	$764M
Gross Margin	19.2%	25.7%	20.5%	22.7%	24.5%	46.8%	43.7%	44.2%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$0	$0	$0	$0	$0	$0	$496M	$509M
Operating Expenses	$170M	$195M	$166M	$176M	$179M	$524M	$507M	$519M
Operating Income	$130M	$212M	$160M	$199M	$227M	$258M	$237M	$245M
Operating Margin	8.3%	13.4%	10.0%	12.0%	13.7%	15.4%	13.9%	14.2%
Interest Expense	$8M	$8M	$8M	$9M	$12M	$14M	$11M	$10M
Income Before Tax	$130M	$212M	$160M	$199M	$227M	$258M	$237M	$245M
Tax Expense	$28M	$44M	$32M	$42M	$48M	$61M	$50M	$53M
Net Income	$102M	$168M	$128M	$157M	$179M	$198M	$187M	$192M
Net Margin	6.5%	10.6%	8.0%	9.5%	10.8%	11.9%	11.0%	11.1%
EPS (Diluted)	$2.80	$4.59	$3.50	$4.30	$4.91	$5.47	$5.15	$5.28
EBITDA	$139M	$219M	$168M	$206M	$238M	$271M	$246M	$254M
Shares Outstanding	36M	37M	36M	36M	36M	36M	36M	36M

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