$39.12

-0.05 (-0.13%)

Weekly Expected Move ±3.2%

$37 $38 $39 $40 $42

NASDAQ · Financial Services · Banks - Regional · Tech Score Buy · Power 62 · $746.2M mcap · 19M float · 0.817% 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

$381M +22.6% ▲

5Y CAGR: +7.2%

Gross Profit

$207M +115.3% ▲

5Y CAGR: -0.7%

Operating Income

$67M +273.7% ▲

5Y CAGR: -5.4%

Net Income

$52M +286.2% ▲

5Y CAGR: -5.6%

EPS (Diluted)

$2.71 +266.3% ▲

5Y CAGR: -7.5%

EBITDA

$67M +297.9% ▲

5Y CAGR: -6.3%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$245M	$257M	$365M	$311M	$381M
YoY Growth	-8.9%	+4.8%	+41.9%	-14.8%	+22.6%
Cost of Revenue	$12M	$37M	$175M	$215M	$174M
Gross Profit	$234M	$220M	$190M	$96M	$207M
Gross Margin	95.2%	85.5%	52.1%	30.9%	54.3%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$91M	$88M	$90M	$94M	$106M
Operating Expenses	$135M	$129M	$134M	$135M	$140M
Operating Income	$98M	$91M	$56M	-$39M	$67M
Operating Margin	40.0%	35.5%	15.5%	-12.5%	17.7%
Interest Expense	$17M	$38M	$172M	$212M	$165M
Income Before Tax	$98M	$91M	$56M	-$39M	$67M
Tax Expense	$21M	$19M	$8M	-$11M	$15M
Net Income	$77M	$72M	$48M	-$28M	$52M
Net Margin	31.3%	27.9%	13.2%	-9.0%	13.7%
EPS (Diluted)	$4.39	$4.11	$2.82	$-1.63	$2.71
EBITDA	$102M	$95M	$61M	-$34M	$67M
Shares Outstanding	17M	17M	17M	17M	19M

Line Item	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2	FY2026 Q3
Revenue	$5M	$95M	$96M	$99M	$91M	$92M	$94M	$99M
Cost of Revenue	$50M	$44M	$42M	$49M	$39M	$38M	$35M	$36M
Gross Profit	-$45M	$51M	$54M	$50M	$53M	$54M	$59M	$63M
Gross Margin	-911.2%	53.5%	55.9%	50.4%	57.7%	58.2%	62.7%	64.0%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$24M	$24M	$1M	$24M	$27M	$26M	$27M	$29M
Operating Expenses	$35M	$35M	$37M	$36M	$32M	$38M	$39M	$39M
Operating Income	-$80M	$16M	$17M	$14M	$21M	$16M	$20M	$24M
Operating Margin	-1626.1%	16.5%	17.9%	14.1%	22.6%	17.4%	21.6%	24.7%
Interest Expense	$49M	$43M	$42M	$42M	$38M	$34M	$33M	$34M
Income Before Tax	-$80M	$16M	$17M	$14M	$21M	$16M	$20M	$24M
Tax Expense	-$19M	$3M	$4M	$3M	$5M	$3M	$4M	$5M
Net Income	-$61M	$12M	$13M	$11M	$16M	$13M	$16M	$19M
Net Margin	-1231.8%	12.8%	13.8%	11.0%	17.5%	13.7%	17.0%	19.6%
EPS (Diluted)	$-3.48	$0.63	$0.68	$0.56	$0.83	$0.66	$0.83	$1.01
EBITDA	-$79M	$17M	$18M	$15M	$21M	$17M	$21M	$24M
Shares Outstanding	17M	19M	19M	19M	19M	19M	19M	19M

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