$169.83

+2.47 (+1.48%)

Weekly Expected Move ±3.1%

$157 $162 $167 $172 $177

NASDAQ · Financial Services · Financial - Credit Services · Tech Score Sell · Power 40 · $791.5M mcap · 4M float · 2.38% daily turnover · Short 54% 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 Geography

Revenue by Segment (5-Year Trend)

Income Trends

Revenue

$585M +3.6% ▲

5Y CAGR: +2.1%

Gross Profit

$347M -12.3% ▼

5Y CAGR: -3.6%

Operating Income

$45M -71.5% ▼

5Y CAGR: -16.5%

Net Income

$35M -61.5% ▼

5Y CAGR: -17.1%

EPS (Diluted)

$6.88 -57.8% ▼

5Y CAGR: -12.3%

EBITDA

$54M -67.1% ▼

5Y CAGR: -15.2%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2022	FY2023	FY2024	FY2025	FY2026
Revenue	$585M	$617M	$573M	$565M	$585M
YoY Growth	+10.9%	+5.3%	-7.0%	-1.5%	+3.6%
Cost of Revenue	$220M	$310M	$205M	$169M	$238M
Gross Profit	$366M	$307M	$368M	$396M	$347M
Gross Margin	62.5%	49.7%	64.2%	70.0%	59.3%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$243M	$223M	$215M	$188M	$250M
Operating Expenses	$300M	$279M	$269M	$237M	$302M
Operating Income	$66M	$27M	$99M	$159M	$45M
Operating Margin	11.2%	4.4%	17.3%	28.1%	7.7%
Interest Expense	$33M	$50M	$48M	$43M	$49M
Income Before Tax	$66M	$27M	$99M	$112M	$45M
Tax Expense	$12M	$6M	$22M	$22M	$11M
Net Income	$54M	$21M	$77M	$90M	$35M
Net Margin	9.2%	3.4%	13.5%	15.9%	5.9%
EPS (Diluted)	$8.47	$3.60	$13.19	$16.30	$6.88
EBITDA	$77M	$38M	$110M	$165M	$54M
Shares Outstanding	6M	6M	6M	6M	5M

Line Item	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2	FY2026 Q3	FY2026 Q4	FY2027 Q1	FY2027 Q2
Revenue	$139M	$165M	$133M	$134M	$141M	$177M	$139M	$139M
Cost of Revenue	$55M	$44M	$60M	$64M	$64M	$50M	$55M	$46M
Gross Profit	$83M	$121M	$73M	$70M	$77M	$127M	$84M	$93M
Gross Margin	60.0%	73.2%	54.7%	52.3%	54.5%	72.0%	60.4%	67.0%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$54M	$53M	$58M	$59M	$65M	$68M	$63M	$69M
Operating Expenses	$67M	$66M	$70M	$72M	$78M	$81M	$76M	$70M
Operating Income	$16M	$55M	$2M	-$2M	-$1M	$46M	$8M	$23M
Operating Margin	11.6%	33.3%	1.7%	-1.3%	-0.7%	26.0%	5.7%	16.8%
Interest Expense	$11M	$11M	$10M	$14M	$13M	$13M	$11M	$12M
Income Before Tax	$16M	$55M	$2M	-$2M	-$1M	$46M	$8M	$12M
Tax Expense	$3M	$11M	$684K	$260K	-$102K	$10M	$2M	$3M
Net Income	$13M	$44M	$2M	-$2M	-$911K	$36M	$6M	$9M
Net Margin	9.7%	26.8%	1.2%	-1.4%	-0.6%	20.4%	4.4%	6.3%
EPS (Diluted)	$2.45	$8.13	$0.25	$-0.38	$-0.19	$7.70	$1.33	$1.92
EBITDA	$19M	$58M	$5M	$576K	$1M	$48M	$10M	$24M
Shares Outstanding	5M	5M	5M	5M	5M	5M	5M	5M

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