• $338.5M
    Market Cap
  • 31.87%
    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
645.6M
+9.70%
588.5M
+6.73%
551.4M
+8.72%
507.2M
+18.40%
Cost of Revenue
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Gross Profit
645.6M
+9.70%
588.5M
+6.73%
551.4M
+8.72%
507.2M
+18.40%
Sales and Marketing Expense
18.6M
-2.39%
19.0M
+20.49%
15.8M
+2.58%
15.4M
+6.75%
Research and Development Expense
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Depreciation and Amortization Expense
16.2M
+15.47%
14.1M
-3.85%
14.6M
+15.33%
12.7M
+8.89%
Total Operating Expenses
51.2M
+4.28%
49.1M
+8.00%
45.4M
+7.95%
42.1M
+13.32%
Operating Profit
57.8M
+6.85%
54.1M
+160.19%
20.8M
-68.18%
65.3M
-41.92%
Interest Income
537.6M
+9.41%
491.3M
N/A
N/A
N/A
N/A
N/A
Interest Expense
-84.8M
+13.80%
-74.5M
+10.48%
-67.5M
+97.13%
-34.2M
+9.17%
Interest Income and Expense and Net
452.7M
+8.63%
416.8M
+717.79%
-67.5M
+97.13%
-34.2M
+9.17%
Total Nonoperating Income and Expense
-84.8M
+13.80%
-74.5M
+10.48%
-67.5M
+97.13%
-34.2M
-209.17%
Income before Taxes
57.8M
+6.85%
54.1M
+160.19%
20.8M
-68.18%
65.3M
-41.92%
Income Taxes
13.4M
+4.02%
12.8M
+166.28%
4.8M
-65.77%
14.1M
-40.73%
Extraordinary Items
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Net Income
44.4M
+7.73%
41.2M
+158.35%
16.0M
-68.85%
51.2M
-42.24%
Net Income from Continuing Operations Applicable to Common
57.8M
+6.85%
54.1M
+160.19%
20.8M
-68.18%
65.3M
-41.92%
Basic EPS and Net Income
4.71
+10.05%
4.28
+151.76%
1.70
-69.15%
5.51
-37.67%
Diluted EPS and Net Income
4.45
+7.49%
4.14
+149.40%
1.66
-68.68%
5.30
-36.37%
Basic Weighted Average Shares
9.4M
-2.20%
9.6M
+2.58%
9.4M
+1.10%
9.3M
-7.35%
Diluted Weighted Average Shares
10.0M
+0.27%
10.0M
+3.79%
9.6M
-0.65%
9.7M
-9.27%
Balance Sheet
Cash and Cash Equivalents
3.8M
-3.24%
4.0M
-12.38%
4.5M
+16.42%
3.9M
-63.14%
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
3.8M
-3.24%
4.0M
-12.38%
4.5M
+16.42%
3.9M
-63.14%
Total Current Assets
26.6M
+27.26%
20.9M
-29.07%
29.4M
+4.29%
28.2M
+29.65%
Accumulated Depreciation
34.6M
+5.99%
32.6M
+7.65%
30.3M
+9.24%
27.8M
+11.42%
Property and Plant and Equipment and Net
13.2M
-3.81%
13.7M
-0.80%
13.8M
-5.09%
14.5M
+12.27%
Total Long-Term Assets
26.6M
+27.26%
20.9M
-29.07%
29.4M
+4.29%
28.2M
+29.65%
Total Assets
2.1B
+10.20%
1.9B
+6.39%
1.8B
+4.03%
1.7B
+18.18%
Income Taxes Payable
3.3M
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Total Short-Term Debt
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Total Current Liabilities
39.4M
-0.26%
39.5M
-2.44%
40.4M
+19.67%
33.8M
-31.43%
Total Long-Term Debt
1.6B
+11.56%
1.5B
+5.50%
1.4B
+3.67%
1.3B
+22.69%
Total Long-Term Liabilities
1.7B
+12.05%
1.5B
+5.64%
1.4B
+3.56%
1.4B
+22.61%
Total Liabilities
1.7B
+11.52%
1.6B
+5.42%
1.5B
+3.95%
1.4B
+20.34%
Retained Earnings
410.7M
+8.52%
378.5M
+8.27%
349.6M
+1.17%
345.5M
+12.88%
Total Stockholders Equity
373.1M
+4.48%
357.1M
+10.80%
322.3M
+4.42%
308.6M
+9.16%
Total Shares Outstanding
9.6M
-4.56%
10.0M
+2.57%
9.8M
+2.48%
9.5M
-2.71%
Cash Flow
Cash from Operating Activities
309.1M
+14.93%
268.9M
+7.93%
249.2M
+11.07%
224.3M
+18.68%
Capital Expenditures
4.8M
-5.76%
5.1M
+7.72%
4.7M
-20.12%
5.9M
+63.71%
Cash from Investing Activities
-471.2M
+49.40%
-315.4M
+13.15%
-278.7M
-37.69%
-447.3M
+25.98%
Dividends Paid
11.5M
-5.41%
12.1M
+2.15%
11.9M
+4.69%
11.4M
+19.04%
Cash from Financing Activities
124.5M
+133.06%
53.4M
+102.07%
26.4M
-87.14%
205.6M
-15.53%
Financials Ratio
Gross Margin
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Operating Margin
8.95%
-2.60%
9.19%
+143.79%
3.77%
-70.73%
12.88%
-50.95%
Return on Assets
2.21%
-0.58%
2.23%
+145.51%
0.91%
-71.81%
3.22%
-53.51%
Return on Equity
12.16%
+0.23%
12.14%
+139.92%
5.06%
-70.80%
17.32%
-45.81%
Revenue Growth
9.70%
+44.18%
6.73%
-22.81%
8.72%
-52.64%
18.40%
+26.39%
Current Ratio
0.67
+27.59%
0.53
-27.29%
0.73
-12.85%
0.83
+89.06%
Cash Ratio
0.10
-3.00%
0.10
-10.22%
0.11
-2.71%
0.11
-46.25%
Debt-to-Equity Ratio
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Debt-to-Assets Ratio
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A

Earnings & Revenue History

Debt-to-Assets

Cash Flow