• $213.9M
    Market Cap
  • -2.24%
    1-Year Change
  • Credit Services
    Industry
Annual
Quarterly
12/31/2025
12/31/2024
12/31/2023
12/31/2022
Income Statement
Total Operating Revenue
434.5M
+10.41%
393.5M
+11.79%
352.0M
+6.77%
329.7M
+23.11%
Cost of Revenue
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Gross Profit
434.5M
+10.41%
393.5M
+11.79%
352.0M
+6.77%
329.7M
+401.49%
Sales and Marketing Expense
22.8M
+0.22%
22.8M
+7.24%
21.2M
-7.91%
23.0M
+36.52%
Research and Development Expense
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Depreciation and Amortization Expense
881,000
+2.20%
862,000
+1.77%
847,000
-47.65%
1.6M
-3.40%
Total Operating Expenses
406.5M
+11.03%
366.1M
+25.83%
290.9M
+36.25%
213.5M
-9.79%
Operating Profit
28.0M
+2.09%
27.4M
-55.10%
61.1M
-47.42%
116.2M
+144.49%
Interest Income
5.3M
-15.34%
6.3M
+2.88%
6.1M
+300.59%
1.5M
+6,831.82%
Interest Expense
-186.9M
-2.29%
-191.3M
+30.43%
-146.6M
+67.53%
-87.5M
+16.33%
Interest Income and Expense and Net
-181.5M
-1.85%
-185.0M
+31.63%
-140.5M
+63.40%
-86.0M
+14.33%
Total Nonoperating Income and Expense
186.9M
-2.29%
191.3M
+30.43%
146.6M
+67.53%
87.5M
+16.33%
Income before Taxes
28.0M
+2.09%
27.4M
-55.10%
61.1M
-47.42%
116.2M
+144.49%
Income Taxes
8.7M
+5.47%
8.2M
-47.77%
15.8M
-47.85%
30.2M
+65.79%
Extraordinary Items
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Net Income
N/A
N/A
19.2M
-57.65%
45.3M
-47.27%
86.0M
+80.93%
Net Income from Continuing Operations Applicable to Common
28.0M
+2.09%
27.4M
-55.10%
61.1M
-47.42%
116.2M
+144.49%
Basic EPS and Net Income
0.88
-2.22%
0.90
-58.53%
2.17
-47.07%
4.10
+94.31%
Diluted EPS and Net Income
0.80
+1.27%
0.79
-56.11%
1.80
-44.27%
3.23
+75.54%
Basic Weighted Average Shares
21.9M
+2.80%
21.3M
+1.90%
20.9M
-0.30%
21.0M
-7.11%
Diluted Weighted Average Shares
24.1M
-1.00%
24.3M
-3.54%
25.2M
-5.16%
26.6M
+3.14%
Balance Sheet
Cash and Cash Equivalents
6.3M
-46.03%
11.7M
+89.71%
6.2M
-54.23%
13.5M
-54.93%
Short-Term Investments
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Cash and Cash Equivalents and Short-Term Investments
6.3M
-46.03%
11.7M
+89.71%
6.2M
-54.23%
13.5M
-54.93%
Total Current Assets
6.3M
-46.03%
11.7M
+89.71%
6.2M
-54.23%
13.5M
-54.93%
Accumulated Depreciation
10.4M
+7.04%
9.7M
+8.52%
9.0M
+9.30%
8.2M
+8.83%
Property and Plant and Equipment and Net
771,000
-18.24%
943,000
-31.27%
1.4M
-17.35%
1.7M
+47.03%
Total Long-Term Assets
28.8M
-19.40%
35.8M
+38.29%
25.9M
-14.72%
30.3M
-12.80%
Total Assets
3.9B
+10.43%
3.5B
+20.32%
2.9B
+5.48%
2.8B
+27.47%
Income Taxes Payable
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Total Short-Term Debt
522.0M
-23.30%
680.5M
+70.28%
399.6M
-8.26%
435.6M
+147.22%
Total Current Liabilities
65.2M
-6.99%
70.2M
+12.16%
62.5M
+12.85%
55.4M
+26.97%
Total Long-Term Debt
29.0M
+9.43%
26.5M
+54.11%
17.2M
-31.96%
25.3M
-4.52%
Total Long-Term Liabilities
29.0M
+9.43%
26.5M
+29.80%
20.4M
-35.21%
31.5M
-11.32%
Total Liabilities
3.5B
+10.86%
3.2B
+21.76%
2.6B
+4.15%
2.5B
+26.89%
Retained Earnings
286.4M
+7.24%
267.1M
+7.75%
247.9M
+22.39%
202.5M
+73.79%
Total Stockholders Equity
309.5M
+5.73%
292.8M
+6.59%
274.7M
+20.26%
228.4M
+34.18%
Total Shares Outstanding
21.8M
+1.91%
21.4M
+1.22%
21.2M
+5.18%
20.1M
-4.79%
Cash Flow
Cash from Operating Activities
289.0M
+23.63%
233.8M
-1.78%
238.0M
+10.21%
215.9M
+8.95%
Capital Expenditures
709,000
+63.74%
433,000
-22.54%
559,000
-73.99%
2.1M
+8.76%
Cash from Investing Activities
-590.1M
-23.33%
-769.7M
+114.09%
-359.5M
-49.64%
-713.9M
+518.86%
Dividends Paid
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Cash from Financing Activities
335.9M
-38.69%
547.9M
+550.79%
84.2M
-82.61%
484.2M
+1,059.97%
Financials Ratio
Gross Margin
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Operating Margin
6.45%
-7.54%
6.97%
-59.84%
17.36%
-50.75%
35.24%
+98.59%
Return on Assets
N/A
N/A
0.60%
-62.56%
1.60%
-54.20%
3.50%
+58.57%
Return on Equity
N/A
N/A
6.77%
-62.45%
18.03%
-58.22%
43.14%
+37.79%
Revenue Growth
10.41%
-11.68%
11.79%
+74.23%
6.77%
-70.73%
23.11%
+1,970.86%
Current Ratio
0.10
-41.98%
0.17
+69.20%
0.10
-59.45%
0.24
-64.50%
Cash Ratio
0.10
-41.98%
0.17
+69.20%
0.10
-59.45%
0.24
-64.50%
Debt-to-Equity Ratio
1.78
-26.29%
2.41
+59.13%
1.52
-24.80%
2.02
+69.48%
Debt-to-Assets Ratio
0.14
-29.45%
0.20
+41.05%
0.14
-14.28%
0.17
+78.46%

Earnings & Revenue History

Debt-to-Assets

Cash Flow