$102.19

-0.28 (-0.27%)

Weekly Expected Move ±2.5%

$96 $99 $101 $104 $106

AMEX · Financial Services · Banks - Regional · Tech Score Strong Buy · Power 69 · $1.5B mcap · 13M float · 0.822% daily turnover · Short 62% 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

$579M +34.1% ▲

5Y CAGR: +12.2%

Gross Profit

$435M +50.8% ▲

5Y CAGR: +9.3%

Operating Income

$225M +141.8% ▲

5Y CAGR: +18.1%

Net Income

$161M +127.3% ▲

5Y CAGR: +15.7%

EPS (Diluted)

$11.24 +126.2% ▲

5Y CAGR: +16.7%

EBITDA

$225M +141.8% ▲

5Y CAGR: +15.5%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$317M	$325M	$303M	$432M	$579M
YoY Growth	+12.3%	+2.6%	-6.6%	+42.3%	+34.1%
Cost of Revenue	$15M	$24M	$92M	$143M	$144M
Gross Profit	$301M	$301M	$211M	$289M	$435M
Gross Margin	95.2%	92.7%	69.6%	66.9%	75.1%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$127M	$132M	$134M	$138M	$156M
Operating Expenses	$187M	$191M	$199M	$196M	$210M
Operating Income	$115M	$110M	$12M	$93M	$225M
Operating Margin	36.2%	33.8%	4.0%	21.5%	38.8%
Interest Expense	$18M	$21M	$88M	$136M	$132M
Income Before Tax	$115M	$110M	$12M	$93M	$225M
Tax Expense	$25M	$25M	$2M	$22M	$64M
Net Income	$89M	$85M	$10M	$71M	$161M
Net Margin	28.2%	26.2%	3.1%	16.4%	27.8%
EPS (Diluted)	$6.05	$5.89	$0.66	$4.97	$11.24
EBITDA	$115M	$110M	$12M	$93M	$225M
Shares Outstanding	15M	14M	14M	14M	14M

Line Item	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2	FY2026 Q3
Revenue	$110M	$114M	$116M	$122M	$227M	$115M	$119M	$122M
Cost of Revenue	$35M	$38M	$36M	$37M	$33M	$32M	$33M	$36M
Gross Profit	$75M	$76M	$80M	$85M	$194M	$82M	$86M	$87M
Gross Margin	68.0%	66.7%	68.8%	69.9%	85.5%	71.8%	71.9%	71.0%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$36M	$32M	$34M	$34M	$41M	$29M	$34M	$35M
Operating Expenses	$49M	$51M	$52M	$54M	$54M	$48M	$47M	$49M
Operating Income	$26M	$26M	$28M	$31M	$140M	$34M	$39M	$38M
Operating Margin	23.4%	22.5%	24.3%	25.6%	61.6%	30.1%	32.4%	30.9%
Interest Expense	$34M	$33M	$34M	$34M	$32M	$31M	$32M	$33M
Income Before Tax	$26M	$26M	$28M	$31M	$140M	$34M	$39M	$38M
Tax Expense	$6M	$6M	$7M	$7M	$43M	$8M	$9M	$9M
Net Income	$20M	$20M	$21M	$24M	$96M	$26M	$29M	$29M
Net Margin	17.9%	17.2%	18.5%	19.5%	42.5%	22.8%	24.6%	23.4%
EPS (Diluted)	$1.37	$1.37	$1.50	$1.65	$6.70	$1.82	$2.05	$2.00
EBITDA	$28M	$26M	$28M	$33M	$142M	$37M	$41M	$38M
Shares Outstanding	14M	14M	14M	14M	14M	14M	14M	14M

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