• $232.1M
    Market Cap
  • 8.27%
    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
216.9M
+7.09%
202.5M
+7.68%
188.1M
+17.24%
160.4M
+25.51%
Cost of Revenue
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Gross Profit
216.9M
+7.09%
202.5M
+7.68%
188.1M
+17.24%
160.4M
+25.51%
Sales and Marketing Expense
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Research and Development Expense
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Depreciation and Amortization Expense
8.3M
+33.87%
6.2M
+18.58%
5.2M
+0.27%
5.2M
-19.79%
Total Operating Expenses
85.2M
+14.45%
74.4M
-1.51%
75.6M
+4.88%
72.1M
-1.16%
Operating Profit
79.9M
+26.93%
62.9M
-26.85%
86.0M
+26.80%
67.8M
-17.13%
Interest Income
315.3M
+8.47%
290.7M
+15.80%
251.0M
+27.68%
196.6M
+65,440.33%
Interest Expense
-14.9M
+325.27%
-3.5M
-94.44%
-62.9M
+73.96%
-36.2M
+16.20%
Interest Income and Expense and Net
300.4M
+4.61%
287.2M
+52.69%
188.1M
+17.24%
160.4M
+620.22%
Total Nonoperating Income and Expense
216.9M
+7.09%
202.5M
+7.68%
188.1M
+17.24%
160.4M
+25.51%
Income before Taxes
79.9M
+26.93%
62.9M
-26.85%
86.0M
+26.80%
67.8M
-17.13%
Income Taxes
24.5M
+16.82%
21.0M
-15.65%
24.9M
+38.67%
18.0M
-25.82%
Extraordinary Items
N/A
N/A
2.0M
N/A
N/A
N/A
N/A
N/A
Net Income
43.0M
+19.97%
35.9M
-34.86%
55.1M
+25.64%
43.8M
-18.98%
Net Income from Continuing Operations Applicable to Common
79.9M
+26.93%
62.9M
-26.85%
86.0M
+26.80%
67.8M
-17.13%
Basic EPS and Net Income
1.89
+18.87%
1.59
-35.10%
2.45
+31.72%
1.86
-15.45%
Diluted EPS and Net Income
1.78
+17.11%
1.52
-35.86%
2.37
+29.51%
1.83
-15.67%
Basic Weighted Average Shares
22.8M
+1.01%
22.5M
+0.16%
22.5M
-4.55%
23.6M
-4.13%
Diluted Weighted Average Shares
24.2M
+2.72%
23.6M
+1.54%
23.2M
-2.84%
23.9M
-4.07%
Balance Sheet
Cash and Cash Equivalents
136.3M
+38.71%
98.2M
+86.80%
52.6M
+58.54%
33.2M
-48.56%
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
136.3M
+38.71%
98.2M
+86.80%
52.6M
+58.54%
33.2M
-48.56%
Total Current Assets
26.5M
-12.66%
30.3M
+3.86%
29.2M
+46.91%
19.9M
-2.61%
Accumulated Depreciation
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Property and Plant and Equipment and Net
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Total Long-Term Assets
26.5M
-12.66%
30.3M
+3.86%
29.2M
+46.91%
19.9M
-2.61%
Total Assets
3.0B
+3.03%
2.9B
+10.85%
2.6B
+14.51%
2.3B
+20.65%
Income Taxes Payable
20.4M
-3.05%
21.0M
-1.00%
21.2M
-20.73%
26.8M
+46.91%
Total Short-Term Debt
95.3M
+94.39%
49.0M
+512.50%
8.0M
+60.00%
5.0M
N/A
Total Current Liabilities
20.2M
-16.05%
24.1M
-21.88%
30.8M
+34.08%
23.0M
+46.16%
Total Long-Term Debt
216.0M
-6.97%
232.2M
-1.44%
235.5M
+9.90%
214.3M
-2.57%
Total Long-Term Liabilities
260.2M
-6.82%
279.3M
-2.00%
285.0M
+3.17%
276.2M
+4.06%
Total Liabilities
2.4B
+0.73%
2.4B
+11.65%
2.2B
+15.17%
1.9B
+24.53%
Retained Earnings
162.4M
+24.66%
130.3M
+25.39%
103.9M
+55.81%
66.7M
+117.84%
Total Stockholders Equity
408.6M
+10.39%
370.2M
+7.93%
343.0M
+13.67%
301.7M
+5.12%
Total Shares Outstanding
23.3M
+0.76%
23.1M
-1.34%
23.4M
+1.68%
23.1M
-8.39%
Cash Flow
Cash from Operating Activities
126.3M
+9.32%
115.5M
+1.54%
113.8M
+4.62%
108.7M
+38.12%
Capital Expenditures
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Cash from Investing Activities
-124.5M
-62.92%
-335.8M
-1.44%
-340.7M
-24.12%
-449.0M
+88.40%
Dividends Paid
11.0M
+16.80%
9.4M
+21.95%
7.7M
+2.12%
7.5M
N/A
Cash from Financing Activities
30.2M
-87.41%
240.0M
-11.50%
271.2M
-15.62%
321.4M
+86.81%
Financials Ratio
Gross Margin
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Operating Margin
36.83%
+18.53%
31.07%
-32.07%
45.74%
+8.16%
42.29%
-33.97%
Return on Assets
1.48%
+12.39%
1.32%
-42.13%
2.27%
+7.11%
2.12%
-31.08%
Return on Equity
11.05%
+9.86%
10.06%
-41.11%
17.09%
+14.73%
14.89%
-28.66%
Revenue Growth
7.09%
-7.66%
7.68%
-55.47%
17.24%
-32.42%
25.51%
+66.14%
Current Ratio
1.31
+4.04%
1.26
+32.95%
0.95
+9.57%
0.86
-33.37%
Cash Ratio
6.75
+65.23%
4.08
+139.11%
1.71
+18.24%
1.44
-64.80%
Debt-to-Equity Ratio
0.76
+0.29%
0.76
+6.96%
0.71
-2.31%
0.73
-5.14%
Debt-to-Assets Ratio
0.11
+7.45%
0.10
+4.14%
0.09
-2.99%
0.10
-17.38%

Earnings & Revenue History

Debt-to-Assets

Cash Flow