$61.55

-0.33 (-0.53%)

After Hours: $62.83 (+1.28, +2.07%)

Weekly Expected Move ±3.4%

$57 $59 $61 $63 $66

NASDAQ · Financial Services · Banks - Regional · Tech Score Strong Buy · Power 66 · $1.4B mcap · 22M float · 0.932% daily turnover · Short 60% 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

$272M -12.6% ▼

5Y CAGR: +5.5%

Gross Profit

$259M -11.8% ▼

5Y CAGR: +5.1%

Operating Income

$157M -17.1% ▼

5Y CAGR: +8.0%

Net Income

$116M -16.2% ▼

5Y CAGR: +7.6%

EPS (Diluted)

$4.53 -12.9% ▼

5Y CAGR: +8.7%

EBITDA

$163M -18.4% ▼

5Y CAGR: +4.7%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$217M	$267M	$328M	$311M	$272M
YoY Growth	+4.2%	+23.1%	+22.7%	-5.0%	-12.6%
Cost of Revenue	$2M	$2M	$3M	$18M	$13M
Gross Profit	$215M	$265M	$325M	$293M	$259M
Gross Margin	99.1%	99.3%	99.2%	94.3%	95.2%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$48M	$46M	$48M	$50M	$71M
Operating Expenses	$98M	$99M	$103M	$104M	$102M
Operating Income	$117M	$166M	$222M	$189M	$157M
Operating Margin	54.0%	62.0%	67.7%	60.8%	57.6%
Interest Expense	$2M	$2M	$4M	$17M	$14M
Income Before Tax	$117M	$166M	$222M	$189M	$157M
Tax Expense	$31M	$44M	$60M	$50M	$41M
Net Income	$87M	$122M	$162M	$139M	$116M
Net Margin	39.9%	45.7%	49.4%	44.6%	42.7%
EPS (Diluted)	$3.22	$4.54	$6.06	$5.20	$4.53
EBITDA	$134M	$182M	$233M	$199M	$163M
Shares Outstanding	27M	27M	27M	27M	25M

Line Item	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2	FY2026 Q3
Revenue	$73M	$70M	$68M	$67M	$67M	$65M	$66M	$68M
Cost of Revenue	$3M	$3M	$3M	$4M	$3M	$3M	$3M	$4M
Gross Profit	$70M	$67M	$65M	$64M	$63M	$62M	$63M	$64M
Gross Margin	95.3%	95.9%	95.3%	94.6%	94.8%	95.4%	95.0%	94.7%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$12M	$12M	$12M	$22M	$25M	$18M	$18M	$18M
Operating Expenses	$26M	$25M	$26M	$26M	$25M	$26M	$26M	$26M
Operating Income	$44M	$42M	$39M	$38M	$38M	$36M	$37M	$38M
Operating Margin	59.9%	59.9%	57.6%	56.2%	56.7%	55.8%	55.6%	55.9%
Interest Expense	$3M	$3M	$3M	$4M	$3M	$3M	$3M	$4M
Income Before Tax	$44M	$42M	$39M	$38M	$38M	$36M	$37M	$38M
Tax Expense	$12M	$11M	$10M	$10M	$10M	$9M	$9M	$10M
Net Income	$32M	$31M	$29M	$28M	$28M	$27M	$27M	$28M
Net Margin	43.4%	44.5%	42.9%	41.9%	41.6%	41.8%	41.4%	41.6%
EPS (Diluted)	$1.19	$1.17	$1.12	$1.12	$1.12	$1.13	$1.17	$1.22
EBITDA	$46M	$44M	$41M	$40M	$39M	$37M	$37M	$38M
Shares Outstanding	27M	27M	26M	25M	25M	24M	23M	23M

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