$27.25

-1.78 (-6.13%)

Pre-Market: $28.27 (+1.02, +3.74%)

Weekly Expected Move ±5.5%

$25 $27 $28 $30 $31

NASDAQ · Financial Services · Insurance - Brokers · Tech Score Buy · Power 68 · $351.0M mcap · 11M float · 1.37% daily turnover · Short 63% 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

$248M +28.2% ▲

3Y CAGR: +18.9%

Gross Profit

$78M +67.7% ▲

3Y CAGR: +36.6%

Operating Income

$37M +32.8% ▲

3Y CAGR: +16.1%

Net Income

$8M +190.1% ▲

EPS (Diluted)

$0.51 +183.3% ▲

3Y CAGR: +150.1%

EBITDA

$63M +42.3% ▲

3Y CAGR: +32.6%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2022	FY2023	FY2024	FY2025
Revenue	$148M	$167M	$194M	$248M
YoY Growth	+0.0%	+13.0%	+16.0%	+28.2%
Cost of Revenue	$117M	$131M	$147M	$170M
Gross Profit	$31M	$36M	$47M	$78M
Gross Margin	20.7%	21.7%	24.0%	31.5%
R&D Expenses	$0	$0	$0	$0
SG&A Expenses	$10M	$11M	$17M	$10M
Operating Expenses	$7M	$11M	$19M	$41M
Operating Income	$24M	$25M	$28M	$37M
Operating Margin	16.0%	15.2%	14.4%	14.9%
Interest Expense	$398K	$1M	$2M	$155K
Income Before Tax	$23M	$25M	$30M	$44M
Tax Expense	$0	$0	$1M	$3M
Net Income	$0	$0	$3M	$8M
Net Margin	0.0%	0.0%	1.4%	3.2%
EPS (Diluted)	$0.03	$0.31	$0.18	$0.51
EBITDA	$27M	$31M	$44M	$63M
Shares Outstanding	632M	13M	15M	56M

Line Item	FY2024 Q3	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2
Revenue	$51M	$46M	$52M	$58M	$62M	$63M	$73M	$88M
Cost of Revenue	$39M	$37M	$40M	$44M	$45M	$43M	$49M	$70M
Gross Profit	$12M	$10M	$12M	$14M	$17M	$20M	$23M	$18M
Gross Margin	23.5%	21.3%	22.8%	24.6%	27.8%	31.3%	32.2%	20.1%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$5M	$5M	$5M	$5M	$5M	$7M	$0	$0
Operating Expenses	$4M	$5M	$6M	$7M	$8M	$12M	$11M	$0
Operating Income	$8M	$5M	$6M	$7M	$9M	$8M	$12M	$18M
Operating Margin	15.1%	10.6%	11.1%	12.7%	14.6%	12.1%	17.0%	20.1%
Interest Expense	$411K	$98K	$83K	$68K	$70K	$66K	$62K	$57K
Income Before Tax	$7M	$9M	$8M	$10M	$11M	$17M	$14M	$18M
Tax Expense	$437K	$1M	$656K	$620K	$977K	$1M	$1M	$1M
Net Income	$1M	$2M	$1M	$2M	$2M	$3M	$2M	$2M
Net Margin	2.3%	3.4%	2.6%	3.4%	2.8%	4.7%	2.4%	2.7%
EPS (Diluted)	$0.08	$0.11	$0.09	$0.49	$0.11	$0.05	$0.03	$0.18
EBITDA	$11M	$12M	$11M	$14M	$16M	$23M	$20M	$25M
Shares Outstanding	15M	15M	15M	15M	15M	56M	56M	13M

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