• $255.7M
    Market Cap
  • -68.84%
    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
9.6B
-13.07%
11.0B
-15.76%
13.1B
+32.35%
9.9B
-13.31%
Cost of Revenue
8.7B
-5.38%
9.2B
+7.41%
8.5B
+25.08%
6.8B
+21.31%
Gross Profit
4.5B
-11.09%
5.0B
+11.37%
4.5B
+48.71%
3.0B
-47.22%
Sales and Marketing Expense
1.9B
+7.36%
1.8B
+3.12%
1.7B
+2.84%
1.7B
+1.60%
Research and Development Expense
-595.3M
+2.95%
-578.2M
+12.66%
-513.3M
-12.00%
-583.3M
+6.19%
Depreciation and Amortization Expense
105.4M
-4.18%
110.0M
+4.38%
105.4M
+11.03%
94.9M
+4.62%
Total Operating Expenses
2.9B
+4.96%
2.7B
+4.03%
2.6B
-2.46%
2.7B
+0.80%
Operating Profit
2.1B
+53.32%
1.4B
+2.03%
1.3B
+28.99%
1.0B
-62.86%
Interest Income
-21.9M
+806.21%
-2.4M
-99.20%
-303.2M
+793.34%
-33.9M
+715.96%
Interest Expense
-22.7M
+152.38%
-9.0M
-82.16%
-50.5M
-9.26%
-55.6M
-11.86%
Interest Income and Expense and Net
-44.6M
+290.71%
-11.4M
-96.77%
-353.7M
+294.86%
-89.6M
+33.14%
Total Nonoperating Income and Expense
19.5M
-66.55%
58.2M
+648.49%
7.8M
-87.32%
61.3M
-45.96%
Income before Taxes
2.1B
+53.32%
1.4B
+2.03%
1.3B
+28.99%
1.0B
-62.86%
Income Taxes
398.5M
+57.35%
253.3M
-2.90%
260.8M
+28.72%
202.6M
-53.46%
Extraordinary Items
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Net Income
1.7B
+52.40%
1.1B
+3.24%
1.1B
+29.06%
825.9M
-64.61%
Net Income from Continuing Operations Applicable to Common
1.7B
+52.40%
1.1B
+3.24%
1.1B
+30.03%
819.8M
-64.88%
Basic EPS and Net Income
4.95
+49.10%
3.32
-10.27%
3.70
+37.04%
2.70
-63.11%
Diluted EPS and Net Income
4.72
+45.68%
3.24
+2.21%
3.17
+43.44%
2.21
-61.43%
Basic Weighted Average Shares
338.9M
+2.28%
331.4M
+0.88%
328.5M
-5.61%
348.0M
-5.54%
Diluted Weighted Average Shares
355.1M
+4.67%
339.3M
-5.71%
359.8M
-8.39%
392.8M
-5.36%
Balance Sheet
Cash and Cash Equivalents
2.2B
-4.35%
2.3B
-14.12%
2.6B
+75.67%
1.5B
-43.92%
Short-Term Investments
80.0M
0.00%
80.0M
-60.00%
200.0M
-25.93%
270.0M
N/A
Cash and Cash Equivalents and Short-Term Investments
2.2B
-4.20%
2.3B
-17.36%
2.8B
+60.12%
1.8B
-33.78%
Total Current Assets
18.3B
+2.30%
17.9B
-3.21%
18.5B
+4.05%
17.8B
+6.77%
Accumulated Depreciation
444.4M
+17.26%
379.0M
+22.95%
308.2M
+23.91%
248.7M
+30.06%
Property and Plant and Equipment and Net
895.0M
+45.98%
613.1M
+37.27%
446.6M
+56.94%
284.6M
+45.70%
Total Long-Term Assets
4.8B
+11.79%
4.3B
-6.59%
4.6B
-7.03%
5.0B
+14.13%
Total Assets
23.2B
+4.15%
22.2B
-3.89%
23.1B
+1.63%
22.8B
+8.30%
Income Taxes Payable
103.5M
+63.81%
63.2M
-16.16%
75.3M
+43.34%
52.6M
-3.27%
Total Short-Term Debt
3.0B
-1.71%
3.1B
-31.29%
4.5B
-41.08%
7.6B
+54.78%
Total Current Liabilities
9.7B
+0.77%
9.6B
-22.07%
12.3B
-1.26%
12.5B
+22.53%
Total Long-Term Debt
1.4B
-20.52%
1.8B
+81.85%
980.1M
-70.89%
3.4B
+30.54%
Total Long-Term Liabilities
1.5B
-19.20%
1.9B
+71.45%
1.1B
-32.56%
1.6B
-40.82%
Total Liabilities
11.2B
-2.53%
11.5B
-14.37%
13.4B
-4.89%
14.1B
+8.98%
Retained Earnings
7.8B
+18.34%
6.6B
+15.06%
5.7B
+17.29%
4.9B
+16.65%
Total Stockholders Equity
12.0B
+11.29%
10.7B
+10.61%
9.7B
+12.27%
8.6B
+7.74%
Total Shares Outstanding
263.7M
-0.58%
265.2M
-74.23%
1.0B
+0.82%
1.0B
-7.48%
Cash Flow
Cash from Operating Activities
3.6B
+234.22%
1.1B
-61.20%
2.8B
+2,719.65%
98.8M
-96.29%
Capital Expenditures
352.9M
+42.85%
247.1M
+7.64%
229.5M
+54.23%
148.8M
+22.45%
Cash from Investing Activities
-2.6B
+188.62%
-904.9M
-138.76%
2.3B
+196.90%
-2.4B
-681.03%
Dividends Paid
383.1M
+133.00%
164.4M
+21.25%
135.6M
N/A
N/A
N/A
Cash from Financing Activities
-1.0B
+166.21%
-387.3M
-89.95%
-3.9B
-446.54%
1.1B
+162.47%
Financials Ratio
Gross Margin
9.19%
-44.54%
16.57%
-52.06%
34.56%
+12.37%
30.76%
-39.11%
Operating Margin
21.71%
+76.38%
12.31%
+21.11%
10.16%
-2.53%
10.43%
-57.16%
Return on Assets
7.39%
+52.32%
4.85%
+4.44%
4.64%
+23.12%
3.77%
-66.57%
Return on Equity
14.78%
+37.34%
10.76%
-7.32%
11.61%
+17.23%
9.91%
-71.32%
Revenue Growth
-13.07%
-17.03%
-15.76%
-148.71%
32.35%
+343.03%
-13.31%
+485.48%
Current Ratio
1.89
+1.52%
1.86
+24.20%
1.50
+5.38%
1.42
-12.86%
Cash Ratio
0.22
-5.07%
0.23
+10.19%
0.21
+77.94%
0.12
-54.23%
Debt-to-Equity Ratio
0.37
-17.87%
0.45
-19.54%
0.56
-55.66%
1.27
+35.94%
Debt-to-Assets Ratio
0.19
-12.24%
0.22
-7.40%
0.24
-51.02%
0.48
+35.22%

Earnings & Revenue History

Debt-to-Assets

Cash Flow