$2,212.20

-15.14 (-0.68%)

After Hours: $2203.22 (-8.98, -0.41%)

Weekly Expected Move ±2.0%

$2138 $2182 $2227 $2272 $2316

NYSE · Financial Services · Insurance - Diversified · Tech Score Buy · Power 66 · $5.3B mcap · 2M float · 0.863% daily turnover · Short 74% 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 Supply Chain

Revenue Segmentation

By Product / Service

By Geography

Revenue by Segment (5-Year Trend)

Income Trends

Revenue

$2.7B +15.0% ▲

5Y CAGR: +24.8%

Gross Profit

$1.5B +35.5% ▲

5Y CAGR: +12.3%

Operating Income

$1.3B +319.5% ▲

5Y CAGR: +15.0%

Net Income

$1.1B +380.2% ▲

5Y CAGR: +9.3%

EPS (Diluted)

$430.14 +379.1% ▲

5Y CAGR: +13.6%

EBITDA

$1.4B +279.9% ▲

5Y CAGR: +15.8%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$614M	$1.2B	$2.2B	$2.4B	$2.7B
YoY Growth	-21.4%	+88.5%	+87.1%	+8.7%	+15.0%
Cost of Revenue	$581M	$787M	$1.0B	$1.3B	$1.3B
Gross Profit	$33M	$371M	$1.1B	$1.1B	$1.5B
Gross Margin	5.4%	32.0%	53.1%	45.6%	53.7%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$292M	$364M	$433M	$490M	$700M
Operating Expenses	$307M	$520M	$584M	$756M	$126M
Operating Income	-$274M	-$149M	$565M	$317M	$1.3B
Operating Margin	-44.5%	-12.9%	26.1%	13.5%	49.1%
Interest Expense	$20M	$40M	$63M	$61M	$59M
Income Before Tax	-$274M	-$149M	$565M	$317M	$1.3B
Tax Expense	$44M	$41M	-$16M	$33M	$127M
Net Income	-$275M	$793M	$509M	$230M	$1.1B
Net Margin	-44.8%	68.5%	23.5%	9.8%	40.9%
EPS (Diluted)	$-89.46	$276.96	$198.63	$89.79	$430.14
EBITDA	-$232M	-$105M	$610M	$371M	$1.4B
Shares Outstanding	3M	3M	3M	3M	3M

Line Item	FY2024 Q3	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2
Revenue	$954M	$358M	$578M	$689M	$864M	$576M	$515M	$845M
Cost of Revenue	$419M	$323M	$374M	$286M	$397M	$195M	$207M	$176M
Gross Profit	$534M	$35M	$203M	$403M	$467M	$381M	$308M	$669M
Gross Margin	56.0%	9.8%	35.2%	58.5%	54.0%	66.1%	59.8%	79.2%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$122M	$120M	$96M	$138M	$177M	$290M	$48M	$258M
Operating Expenses	$295M	$156M	$131M	$227M	$288M	-$520M	$334M	$413M
Operating Income	$240M	-$121M	$72M	$176M	$179M	$901M	-$26M	$256M
Operating Margin	25.1%	-33.7%	12.5%	25.6%	20.7%	156.4%	-4.9%	30.3%
Interest Expense	$17M	$14M	$18M	$19M	$20M	$2M	$19M	$20M
Income Before Tax	$240M	-$121M	$72M	$176M	$179M	$901M	-$26M	$256M
Tax Expense	$12M	$4M	$10M	$13M	$17M	$87M	$800K	$25M
Net Income	$179M	-$130M	$34M	$123M	$114M	$836M	-$31M	$200M
Net Margin	18.8%	-36.4%	5.9%	17.8%	13.2%	145.1%	-6.0%	23.6%
EPS (Diluted)	$69.69	$-50.15	$13.19	$47.73	$44.19	$327.23	$-12.59	$80.58
EBITDA	$254M	-$106M	$91M	$194M	$201M	$930M	-$1M	$285M
Shares Outstanding	3M	3M	3M	3M	3M	3M	3M	2M

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