$47.90

+1.00 (+2.13%)

Pre-Market: $47.83 (-0.07, -0.16%)

Weekly Expected Move ±2.5%

$44 $46 $47 $48 $49

NASDAQ · Financial Services · Banks - Regional · Tech Score Buy · Power 66 · $372.5M mcap · 7M float · 0.507% daily turnover · Short 61% 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

$110M +8.8% ▲

5Y CAGR: +9.6%

Gross Profit

$77M +11.1% ▲

5Y CAGR: +4.8%

Operating Income

$36M +19.2% ▲

5Y CAGR: +3.6%

Net Income

$29M +20.1% ▲

5Y CAGR: +3.7%

EPS (Diluted)

$3.67 +21.9% ▲

5Y CAGR: +5.0%

EBITDA

$39M +17.4% ▲

5Y CAGR: +3.2%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$69M	$67M	$87M	$102M	$110M
YoY Growth	-1.7%	-1.9%	+29.6%	+16.4%	+8.8%
Cost of Revenue	$3M	$3M	$14M	$32M	$33M
Gross Profit	$66M	$65M	$74M	$70M	$77M
Gross Margin	95.6%	95.8%	84.3%	68.6%	70.1%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$20M	$22M	$25M	$25M	$26M
Operating Expenses	$31M	$35M	$40M	$39M	$41M
Operating Income	$34M	$30M	$34M	$30M	$36M
Operating Margin	50.2%	43.9%	39.0%	29.9%	32.8%
Interest Expense	$3M	$3M	$12M	$31M	$32M
Income Before Tax	$34M	$30M	$34M	$30M	$36M
Tax Expense	$7M	$6M	$7M	$6M	$7M
Net Income	$28M	$24M	$27M	$24M	$29M
Net Margin	40.2%	35.1%	31.1%	23.9%	26.4%
EPS (Diluted)	$3.27	$2.82	$3.29	$3.01	$3.67
EBITDA	$37M	$32M	$37M	$33M	$39M
Shares Outstanding	8M	8M	8M	8M	8M

Line Item	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2	FY2026 Q3
Revenue	$27M	$27M	$27M	$27M	$30M	$30M	$29M	$21M
Cost of Revenue	$9M	$8M	$8M	$8M	$8M	$8M	$8M	$0
Gross Profit	$18M	$19M	$19M	$19M	$21M	$22M	$21M	$21M
Gross Margin	66.5%	69.2%	70.2%	69.4%	71.5%	72.6%	71.4%	100.0%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$6M	$6M	$6M	$6M	$6M	$508K	$8M	$10M
Operating Expenses	$10M	$10M	$10M	$10M	$11M	$11M	$12M	$12M
Operating Income	$8M	$9M	$8M	$9M	$10M	$10M	$9M	$10M
Operating Margin	29.6%	31.8%	31.8%	32.5%	34.8%	34.4%	30.8%	45.3%
Interest Expense	$8M	$8M	$8M	$8M	$8M	$8M	$8M	$8M
Income Before Tax	$8M	$9M	$8M	$9M	$10M	$10M	$9M	$10M
Tax Expense	$2M	$2M	$2M	$2M	$2M	$2M	$2M	$2M
Net Income	$6M	$7M	$7M	$7M	$8M	$8M	$7M	$8M
Net Margin	23.7%	25.4%	25.4%	26.0%	28.5%	27.4%	24.8%	36.3%
EPS (Diluted)	$0.79	$0.86	$0.85	$0.90	$1.07	$1.04	$0.90	$0.98
EBITDA	$9M	$9M	$9M	$10M	$11M	$11M	$9M	$10M
Shares Outstanding	8M	8M	8M	8M	8M	8M	8M	8M

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