$9.01

-0.15 (-1.64%)

Pre-Market: $9.17 (+0.16, +1.78%)

Weekly Expected Move ±7.5%

$10 $11 $11 $12 $13

NASDAQ · Financial Services · Asset Management · Tech Score Sell · Power 47 · $590.3M mcap · 34M float · 0.185% daily turnover · Short 56% 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 Chart Smart Money Financials Income Statement Cash Flow Balance Sheet Earnings

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

Revenue Segmentation

By Geography

Revenue by Segment (5-Year Trend)

Income Trends

Revenue

$958M +44.1% ▲

5Y CAGR: +22.4%

Gross Profit

$902M +98.8% ▲

5Y CAGR: +26.9%

Operating Income

$373M +97.5% ▲

5Y CAGR: +11.6%

Net Income

$213M +80.5% ▲

5Y CAGR: +4.6%

EPS (Diluted)

$3.12 +50.0% ▲

5Y CAGR: -30.8%

EBITDA

$413M +58.5% ▲

5Y CAGR: +11.6%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$493M	$502M	$565M	$665M	$958M
YoY Growth	+41.5%	+1.8%	+12.4%	+17.8%	+44.1%
Cost of Revenue	$154M	$144M	$71M	$212M	$56M
Gross Profit	$339M	$359M	$494M	$454M	$902M
Gross Margin	68.8%	71.4%	87.5%	68.2%	94.1%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$46M	$61M	$150M	$155M	$0
Operating Expenses	$97M	$180M	$292M	$265M	$529M
Operating Income	$242M	$179M	$202M	$189M	$373M
Operating Margin	49.1%	35.6%	35.8%	28.4%	38.9%
Interest Expense	$13M	$15M	$34M	$70M	$100M
Income Before Tax	$258M	$272M	$269M	$162M	$257M
Tax Expense	$49M	$52M	$50M	$46M	$42M
Net Income	$209M	$219M	$221M	$118M	$213M
Net Margin	42.3%	43.7%	39.1%	17.8%	22.3%
EPS (Diluted)	$3.77	$3.84	$3.98	$2.08	$3.12
EBITDA	$284M	$303M	$323M	$261M	$413M
Shares Outstanding	55M	55M	55M	57M	68M

Line Item	FY2024 Q3	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2
Revenue	$123M	$260M	$235M	$274M	$355M	$736M	$275M	$280M
Cost of Revenue	$39M	$91M	$21M	$61M	$28M	$217M	$26M	$65M
Gross Profit	$84M	$169M	$213M	$213M	$327M	$520M	$249M	$280M
Gross Margin	68.2%	64.9%	90.9%	77.8%	92.2%	70.6%	90.5%	100.0%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$19M	$89M	$56M	$98M	$102M	$330M	$70M	$203M
Operating Expenses	$37M	$122M	$146M	$154M	$502M	$327M	$161M	$203M
Operating Income	$47M	$47M	$67M	$59M	-$175M	$193M	$88M	$77M
Operating Margin	38.1%	18.0%	28.7%	21.5%	-49.2%	26.2%	32.1%	27.6%
Interest Expense	$18M	$18M	$0	$19M	$0	$24M	$0	$25M
Income Before Tax	$55M	$11M	$67M	$79M	$151M	$183M	$139M	$71M
Tax Expense	$14M	$10M	$11M	$12M	$36M	$31M	$29M	$18M
Net Income	$42M	$1M	$56M	$68M	$115M	$151M	$109M	$48M
Net Margin	34.0%	0.5%	23.8%	24.7%	32.5%	20.5%	39.8%	17.1%
EPS (Diluted)	$0.76	$0.02	$0.87	$1.03	$1.83	$0.71	$1.67	$0.70
EBITDA	$79M	$40M	$59M	$113M	$167M	$294M	$105M	$94M
Shares Outstanding	55M	64M	64M	66M	63M	69M	65M	68M

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