$19.95

-0.17 (-0.84%)

Weekly Expected Move ±1.5%

$20 $20 $20 $21 $21

NYSE · Financial Services · Insurance - Life · Tech Score Strong Sell · Power 27 · $14.0B mcap · 162M float · 0.022% daily turnover · Short 14% 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

$13.1B +1.5% ▲

5Y CAGR: -0.1%

Gross Profit

$5.0B -61.3% ▼

5Y CAGR: -17.6%

Operating Income

$934M -92.0% ▼

5Y CAGR: -40.2%

Net Income

$738M -58.5% ▼

5Y CAGR: -1.4%

EPS (Diluted)

$4.28 -54.9% ▼

5Y CAGR: +1.9%

EBITDA

$1.3B +0.0% ▲

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$12.0B	$12.0B	$12.4B	$12.9B	$13.1B
YoY Growth	-8.7%	-0.4%	+3.5%	+4.0%	+1.5%
Cost of Revenue	$213M	$474M	$0	$0	$8.1B
Gross Profit	$11.8B	$11.5B	$12.4B	$12.9B	$5.0B
Gross Margin	98.2%	96.0%	100.0%	100.0%	38.2%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$1.0B	$1.1B	$0	$0	$0
Operating Expenses	$3.1B	$3.0B	$1.2B	$1.2B	$4.1B
Operating Income	$1.5B	$1.9B	$11.2B	$11.7B	$934M
Operating Margin	12.8%	16.2%	90.5%	90.9%	7.1%
Interest Expense	$185M	$188M	$195M	$201M	$209M
Income Before Tax	$1.1B	$1.8B	$1.6B	$2.3B	$934M
Tax Expense	$239M	$343M	$356M	$472M	$195M
Net Income	$824M	$1.4B	$1.3B	$1.8B	$738M
Net Margin	6.9%	11.8%	10.4%	13.8%	5.6%
EPS (Diluted)	$4.79	$6.96	$6.50	$9.49	$4.28
EBITDA	$1.4B	-$193M	$0	$0	$1.3B
Shares Outstanding	205M	202M	198M	187M	173M

Line Item	FY2024 Q3	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2
Revenue	$3.2B	$3.2B	$3.1B	$3.4B	$3.4B	$3.2B	$3.4B	$3.3B
Cost of Revenue	$96M	-$316M	$0	$0	$2.3B	$1.9B	$2.0B	$2.0B
Gross Profit	$3.1B	$3.5B	$3.1B	$3.4B	$3.4B	$1.3B	$1.4B	$1.3B
Gross Margin	97.0%	109.8%	100.0%	100.0%	100.0%	41.6%	40.3%	39.2%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$2.2B	-$2.8B	$2.9B	$0	$0	$0	$1.1B	$0
Operating Expenses	$2.2B	-$3.4B	$2.9B	$292M	$292M	$1.1B	$1.0B	$960M
Operating Income	$886M	-$4.4B	$213M	$3.1B	$3.1B	$218M	$303M	$330M
Operating Margin	27.6%	-135.3%	6.9%	91.3%	91.3%	6.7%	9.0%	10.0%
Interest Expense	$49M	$52M	$52M	$52M	$52M	$53M	$53M	$53M
Income Before Tax	$815M	$446M	$244M	$417M	$54M	$218M	$303M	$330M
Tax Expense	$169M	$97M	$54M	$81M	$15M	$44M	$71M	$73M
Net Income	$646M	$349M	$189M	$336M	$40M	$174M	$232M	$257M
Net Margin	20.1%	10.8%	6.1%	10.0%	1.2%	5.4%	6.9%	7.8%
EPS (Diluted)	$3.46	$1.92	$1.06	$1.92	$0.23	$1.04	$1.41	$1.61
EBITDA	$894M	-$1.4B	$213M	$0	$107M	$302M	$388M	$433M
Shares Outstanding	187M	187M	179M	179M	171M	168M	164M	160M

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