CompanyGraph
What stands out
- Most companies in its industry are risk businesses; this one is an interface business
At a glance
- Depends onMidstream position: 6 outgoing, 6 incoming connections
- ScaleMarket cap is $2.35B, above the global median of $1.14B
- PositionP/E ratio is 46×, higher than 95% of its Credit Services peers (median 10.42×)
- Interpretations1 currently firing — 1
What this company is and how it runs — written from structure, not news.
What stands out
- Most companies in its industry are risk businesses; this one is an interface business
Sign in to view price data.
Sign inThe reported statements, read against the company's own industry.
Financials view
Market Capitalization
2.35BUSDvs all stocks (USD)
Trailing P/E
46.00xvs Credit Services peers
Revenue (TTM)
1.29BUSDvs all stocks (USD)
Profit Margin
4.69%vs Credit Services peers
Beta
2.43xvs all stocks
52-Week Change
-50.48%vs all stocks
Forward Annual Dividend Yield
0.00%vs all stocks
Market Capitalization
2.35BUSDvs all stocks (USD)
Enterprise Value
3.91BUSDvs all stocks (USD)
Trailing P/E
46.00xvs Credit Services peers
Forward P/E
6.43xvs Credit Services peers
PEG Ratio
0.2509xvs Credit Services peers
Price to Sales (TTM)
1.74xvs Credit Services peers
Price to Book (MRQ)
2.81xvs Credit Services peers
Enterprise to Revenue
3.04xvs Credit Services peers
Enterprise to EBITDA
34.02xvs Credit Services peers
Profit Margin
4.69%vs Credit Services peers
Operating Margin
7.20%vs Credit Services peers
Return on Assets (TTM)
1.98%vs Credit Services peers
Return on Equity (TTM)
7.94%vs Credit Services peers
Revenue (TTM)
1.29BUSDvs all stocks (USD)
Revenue per Share (TTM)
13.26USDUpdated Oct 28, 2026Quarterly Revenue Growth
42.30%vs Credit Services peers
Gross Profit (TTM)
1.07BUSDvs all stocks (USD)
EBITDA (TTM)
115.06MUSDvs all stocks (USD)
Net Income (TTM)
60.33MUSDvs all stocks (USD)
Quarterly Earnings Growth (YoY)
195.00%vs Credit Services peers
Operating Cash Flow (TTM)
-284.01MUSDvs all stocks (USD)
Levered Free Cash Flow (TTM)
-132.38MUSDvs all stocks (USD)
Forward Annual Dividend Yield
0.00%vs all stocks
Trailing Annual Dividend Rate
0.00USDUpdated Oct 28, 2026Trailing Annual Dividend Yield
0.00%vs all stocks
Payout Ratio
0.00%vs Credit Services peers
Revenue
1.02BUSDFY2025 · Dec 31, 2025Pre-tax Income
54.33MUSDFY2025 · Dec 31, 2025Income Tax Expense
728.00KUSDFY2025 · Dec 31, 2025Net Income
53.60MUSDFY2025 · Dec 31, 2025Selling, General & Administrative
743.62MUSDFY2025 · Dec 31, 2025EPS (Basic)
0.5600USDFY2025 · Dec 31, 2025EPS (Diluted)
0.4500USDFY2025 · Dec 31, 2025Basic Shares Outstanding
96.03MSharesFY2025 · Dec 31, 2025Diluted Shares Outstanding
96.03MSharesFY2025 · Dec 31, 2025Net Income from Continuing Operations
53.60MUSDFY2025 · Dec 31, 2025Operating Cash Flow
-173.12MUSDFY2025 · Dec 31, 2025Free Cash Flow
-173.46MUSDFY2025 · Dec 31, 2025Cash & Cash Equivalents (End of Period)
1.06BUSDFY2025 · Dec 31, 2025Income Tax Paid
590.00KUSDFY2025 · Dec 31, 2025Interest Paid
43.48MUSDFY2025 · Dec 31, 2025Starting Profit (CF Statement)
53.60MUSDFY2025 · Dec 31, 2025Depreciation & Amortization
24.84MUSDFY2025 · Dec 31, 2025Stock-based Compensation
131.95MUSDFY2025 · Dec 31, 2025Other Non-cash Items
-370.59MUSDFY2025 · Dec 31, 2025Change in Other Assets/Liabilities
-12.91MUSDFY2025 · Dec 31, 2025Capital Expenditures
-347.00KUSDFY2025 · Dec 31, 2025Other Investing Activity
162.51MUSDFY2025 · Dec 31, 2025Net Investing Cash Flow
162.17MUSDFY2025 · Dec 31, 2025Long-term Debt Issuance
972.49MUSDFY2025 · Dec 31, 2025Long-term Debt Payments
-581.84MUSDFY2025 · Dec 31, 2025Other Financing Charges
-10.30MUSDFY2025 · Dec 31, 2025Net Financing Cash Flow
380.35MUSDFY2025 · Dec 31, 2025Shares Outstanding
97.31MSharesUpdated Oct 28, 2026Float Shares
83.67MSharesUpdated Oct 28, 2026Shares Short
28.57MSharesUpdated Oct 28, 2026Short Ratio
6.55daysvs all stocks
Short % of Shares Outstanding
33.58%vs all stocks
% Held by Insiders
12.94%vs all stocks
% Held by Institutions
62.33%vs all stocks
Total Cash (MRQ)
457.84MUSDvs all stocks (USD)
Total Cash per Share (MRQ)
4.71USDUpdated Oct 28, 2026Total Debt (MRQ)
2.06BUSDvs all stocks (USD)
Total Debt to Equity (MRQ)
2.58xvs Credit Services peers
Current Ratio (MRQ)
10.46xvs Credit Services peers
Book Value per Share (MRQ)
8.20USDUpdated Oct 28, 2026Total Assets
2.97BUSDvs all stocks (USD)
Total Liabilities
2.18BUSDFY2025 · Dec 31, 2025Cash
652.39MUSDFY2025 · Dec 31, 2025Cash & Cash Equivalents
657.45MUSDFY2025 · Dec 31, 2025Accounts Payable
31.98MUSDFY2025 · Dec 31, 2025Short-term Debt
97.33MUSDFY2025 · Dec 31, 2025Long-term Debt
1.75BUSDFY2025 · Dec 31, 2025Common Stock (Book)
10.00KUSDFY2025 · Dec 31, 2025Retained Earnings
-357.56MUSDFY2025 · Dec 31, 2025Total Shareholders' Equity
798.82MUSDvs all stocks (USD)
52-Week Low
22.21USDUpdated Oct 28, 202652-Week High
52.10USDUpdated Oct 28, 202652-Week Change
-50.48%vs all stocks
Beta
2.43xvs all stocks
50-Day MA
25.93USDUpdated Oct 28, 2026200-Day MA
30.48USDUpdated Oct 28, 2026Avg 10-Day Volume
3.71MSharesUpdated Oct 28, 2026Avg 30-Day Volume
4.12MSharesUpdated Oct 28, 2026Diluted EPS (TTM)
0.5000USDUpdated Oct 28, 20261 interpretation currently present — each is a set of fired observations whose alignment reads as one structural pattern. Click an observation to see the numbers behind it.
Screen for these patternsWhere is this company structurally exposed?
SBC-to-Net-Income Elevated, SBC-to-Revenue Elevated, And Diluted Share Count Growing (6Y CAGR)
Pay in shares is large next to its revenue and its profit, and the share count keeps rising.
Reads
An interpretation is present only while every observation it reads stays fired (score ≥ 70). It describes what the aligned readings show — never a verdict, never a prediction.
Shared structure with peers — never a ranking.
Relationships view
Structural observations derived from financial data, industry benchmarks, and supply chain position.
Peer Positioning
P/E ratio is 46×, higher than 95% of its Credit Services peers (median 10.42×)Significant
P/E ratio: 46.00Industry median: 10.42Industry P95: 42.89Peers compared: 34.00
Structural Tensions
Most companies in its industry are risk businesses; this one is an interface businessSignificant
Industry peers: 110Share on the common pattern %: 89.00
Supply Chain
Midstream position: 6 outgoing, 6 incoming connectionsNotable
Outgoing: 6.00Incoming: 6.00
High connectivity hub: 12 industry connectionsNotable
Total Connections: 12.00
Scale
Market cap is $2.35B, above the global median of $1.14BNotable
Market cap (USD): 2,350,110,060Global Median: 1,138,450,684.034
Revenue is $1.29B, above the global median of $562.3MNotable
Revenue (USD): 1,285,890,048Global Median: 562,304,852.367
Companies that share the same coordination system — how they create, deliver, or capture value.
Yixin Group Ltd.
Tier 1InterfaceSpread-Based LeverageRiskFlow
Freedom Holding Corp.
Tier 1InterfaceSpread-Based LeverageRiskFlow
LendingTree Inc.
Tier 1InterfaceSpread-Based LeverageSenseMakingFlow
Guosen Securities Co., Ltd.
Tier 1InterfaceSpread-Based LeverageFlowRisk
Mortgage Advice Bureau (Holdings) plc
Tier 1InterfaceSpread-Based LeverageRiskSenseMaking
China Galaxy Securities Co., Ltd.
Tier 1InterfaceSpread-Based LeverageRiskFlow
Beijing Cuiwei Tower Co., Ltd.
Tier 2InterfaceSpread-Based LeverageFlowProduction
Savills PLC
Tier 3InterfaceExpertise LeverageSenseMakingFlow
LiveRamp Holdings, Inc.
Tier 3InterfaceRecurring-Revenue Lock-InFlowSenseMaking
SoftwareOne Holding AG
Tier 3InterfaceRecurring-Revenue Lock-InFlowSenseMaking
Companies that share active interpretations — structural patterns currently present in both stocks.
Defi Technologies Inc.
1 interpretationSBC-to-Net-Income Elevated, SBC-to-Revenue Elevated, And Diluted Share Count Growing (6Y CAGR)
Keros Therapeutics Inc.
1 interpretationSBC-to-Net-Income Elevated, SBC-to-Revenue Elevated, And Diluted Share Count Growing (6Y CAGR)
Viant Technology Inc.
1 interpretationSBC-to-Net-Income Elevated, SBC-to-Revenue Elevated, And Diluted Share Count Growing (6Y CAGR)