$78.85

-0.72 (-0.90%)

Weekly Expected Move ±2.7%

$75 $77 $79 $81 $83

NASDAQ · Financial Services · Banks - Regional · Tech Score Strong Buy · Power 66 · $4.1B mcap · 51M float · 0.803% daily turnover · Short 65% 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

$1.4B -3.1% ▼

5Y CAGR: +13.9%

Gross Profit

$1.0B +3.3% ▲

5Y CAGR: +14.9%

Operating Income

$381M +9.7% ▲

5Y CAGR: +21.3%

Net Income

$287M +9.0% ▲

5Y CAGR: +20.1%

EPS (Diluted)

$5.09 +15.4% ▲

5Y CAGR: +17.5%

EBITDA

$408M +5.4% ▲

5Y CAGR: +17.4%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$642M	$963M	$1.3B	$1.4B	$1.4B
YoY Growth	-9.5%	+50.2%	+31.4%	+10.8%	-3.1%
Cost of Revenue	-$95M	$89M	$339M	$420M	$344M
Gross Profit	$737M	$874M	$926M	$983M	$1.0B
Gross Margin	114.8%	90.8%	73.2%	70.1%	74.7%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$224M	$297M	$313M	$28M	$207M
Operating Expenses	$379M	$574M	$561M	$636M	$635M
Operating Income	$358M	$301M	$365M	$347M	$381M
Operating Margin	55.7%	31.2%	28.8%	24.8%	28.0%
Interest Expense	$23M	$41M	$251M	$358M	$294M
Income Before Tax	$358M	$301M	$365M	$347M	$381M
Tax Expense	$86M	$78M	$96M	$84M	$93M
Net Income	$271M	$222M	$269M	$264M	$287M
Net Margin	42.3%	23.1%	21.3%	18.8%	21.1%
EPS (Diluted)	$5.69	$3.49	$4.40	$4.41	$5.09
EBITDA	$396M	$361M	$414M	$387M	$408M
Shares Outstanding	48M	64M	61M	60M	54M

Line Item	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2	FY2026 Q3
Revenue	$347M	$332M	$341M	$345M	$342M	$334M	$347M	$355M
Cost of Revenue	$93M	$93M	$87M	$82M	$83M	$62M	$69M	$76M
Gross Profit	$254M	$239M	$255M	$263M	$259M	$272M	$277M	$279M
Gross Margin	73.2%	71.9%	74.6%	76.3%	75.9%	81.4%	80.0%	78.7%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$92M	$6M	$8M	$97M	$96M	$6M	$126M	$125M
Operating Expenses	$169M	$152M	$159M	$162M	$162M	$157M	$162M	$162M
Operating Income	$84M	$87M	$96M	$101M	$97M	$114M	$116M	$118M
Operating Margin	24.3%	26.3%	28.0%	29.2%	28.5%	34.3%	33.4%	33.1%
Interest Expense	$85M	$76M	$74M	$74M	$70M	$64M	$64M	$67M
Income Before Tax	$84M	$87M	$96M	$101M	$97M	$114M	$111M	$118M
Tax Expense	$20M	$21M	$23M	$24M	$25M	$28M	$27M	$28M
Net Income	$64M	$66M	$72M	$76M	$73M	$87M	$84M	$89M
Net Margin	18.5%	19.9%	21.2%	22.2%	21.3%	26.0%	24.3%	25.2%
EPS (Diluted)	$1.09	$1.12	$1.27	$1.36	$1.34	$1.64	$1.63	$1.75
EBITDA	$94M	$97M	$105M	$109M	$108M	$125M	$124M	$185M
Shares Outstanding	59M	59M	57M	57M	54M	53M	52M	51M

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