$36.51

-0.17 (-0.46%)

Weekly Expected Move ±2.3%

$35 $36 $37 $37 $38

NASDAQ · Financial Services · Banks - Regional · Tech Score Buy · Power 64 · $3.4B mcap · 91M float · 0.662% daily turnover · Short 54% 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.

Overview News Chart Smart Money Financials Income Statement Cash Flow Balance Sheet Earnings

Dividends Analysis Technicals Weather Peers ESG Institutions ETF Exposure Dark Pool Short Interest

Income Trends

Revenue

$1.0B -1.6% ▼

5Y CAGR: +6.3%

Gross Profit

$701M +1.3% ▲

5Y CAGR: +3.3%

Operating Income

$210M +10.4% ▲

5Y CAGR: +0.9%

Net Income

$170M +4.8% ▲

5Y CAGR: +3.1%

EPS (Diluted)

$2.21 +2.8% ▲

5Y CAGR: +1.9%

EBITDA

$210M -6.8% ▼

5Y CAGR: -1.8%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$720M	$743M	$943M	$1.0B	$1.0B
YoY Growth	-3.0%	+3.2%	+26.9%	+8.7%	-1.6%
Cost of Revenue	$24M	$65M	$266M	$331M	$307M
Gross Profit	$696M	$678M	$676M	$693M	$701M
Gross Margin	96.6%	91.2%	71.8%	67.6%	69.6%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$267M	$280M	$305M	$322M	$378M
Operating Expenses	$416M	$441M	$490M	$503M	$491M
Operating Income	$280M	$237M	$186M	$190M	$210M
Operating Margin	38.9%	31.9%	19.8%	18.6%	20.9%
Interest Expense	$41M	$57M	$247M	$332M	$283M
Income Before Tax	$280M	$237M	$186M	$190M	$210M
Tax Expense	$55M	$47M	$31M	$28M	$39M
Net Income	$215M	$189M	$154M	$162M	$170M
Net Margin	29.9%	25.4%	16.3%	15.8%	16.8%
EPS (Diluted)	$2.97	$2.60	$2.06	$2.15	$2.21
EBITDA	$309M	$266M	$220M	$226M	$210M
Shares Outstanding	73M	73M	75M	75M	77M

Line Item	FY2024 Q3	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2
Revenue	$259M	$254M	$261M	$278M	$287M	$255M	$261M	$497M
Cost of Revenue	$83M	$80M	$72M	$77M	$87M	$72M	$78M	$76M
Gross Profit	$176M	$174M	$190M	$201M	$200M	$184M	$183M	$421M
Gross Margin	67.8%	68.7%	72.6%	72.3%	69.8%	72.0%	70.1%	84.7%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$81M	$81M	$84M	$86M	$87M	$102M	$111M	$106M
Operating Expenses	$127M	$126M	$131M	$151M	$154M	$130M	$133M	$168M
Operating Income	$49M	$48M	$59M	$50M	$47M	$53M	$50M	$254M
Operating Margin	18.8%	18.9%	22.6%	18.1%	16.3%	21.0%	19.3%	51.0%
Interest Expense	$84M	$78M	$69M	$70M	$71M	$72M	$77M	$76M
Income Before Tax	$49M	$48M	$59M	$50M	$47M	$53M	$50M	$254M
Tax Expense	$6M	$7M	$8M	$11M	$7M	$13M	$9M	$60M
Net Income	$43M	$41M	$51M	$39M	$39M	$41M	$41M	$193M
Net Margin	16.6%	16.3%	19.4%	14.0%	13.6%	15.9%	15.7%	38.8%
EPS (Diluted)	$0.57	$0.55	$0.67	$0.52	$0.51	$0.51	$0.45	$2.09
EBITDA	$57M	$57M	$68M	$60M	$57M	$65M	$63M	$254M
Shares Outstanding	75M	75M	76M	76M	77M	79M	91M	92M

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Income Trends

Profit Margins

Year-over-Year Growth

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