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
- ScaleLevered free cash flow is -$312.58M, lower than 95% of all stocks globally
- PositionP/E ratio is 71.98×, higher than 95% of its Credit Services peers (median 13.33×)
- 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
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Sign inThe reported statements, read against the company's own industry.
Financials view
Market Capitalization
2.82BUSDvs all stocks (USD)
Trailing P/E
71.98xvs Credit Services peers
Revenue (TTM)
1.17BUSDvs all stocks (USD)
Profit Margin
4.21%vs Credit Services peers
Beta
2.27xvs all stocks
52-Week Change
-61.52%vs all stocks
Market Capitalization
2.82BUSDvs all stocks (USD)
Enterprise Value
4.33BUSDvs all stocks (USD)
Trailing P/E
71.98xvs Credit Services peers
Forward P/E
8.76xvs Credit Services peers
PEG Ratio
0.5398xvs Credit Services peers
Price to Sales (TTM)
2.41xvs Credit Services peers
Price to Book (MRQ)
3.85xvs Credit Services peers
Enterprise to Revenue
3.69xvs Credit Services peers
Enterprise to EBITDA
43.76xvs Credit Services peers
Profit Margin
4.21%vs Credit Services peers
Operating Margin
0.90%vs Credit Services peers
Return on Assets (TTM)
1.77%vs Credit Services peers
Return on Equity (TTM)
7.01%vs Credit Services peers
Revenue (TTM)
1.17BUSDvs all stocks (USD)
Revenue per Share (TTM)
12.14USDUpdated Jul 19, 2026Quarterly Revenue Growth
44.60%vs Credit Services peers
Gross Profit (TTM)
970.74MUSDvs all stocks (USD)
EBITDA (TTM)
98.92MUSDvs all stocks (USD)
Net Income (TTM)
49.40MUSDvs all stocks (USD)
Quarterly Earnings Growth (YoY)
44.45%vs Credit Services peers
Operating Cash Flow (TTM)
-267.54MUSDvs all stocks (USD)
Levered Free Cash Flow (TTM)
-312.58MUSDvs all stocks (USD)
Trailing Annual Dividend Rate
0.00USDUpdated Jul 19, 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
95.71MSharesUpdated Jul 19, 2026Float Shares
82.19MSharesUpdated Jul 19, 2026Shares Short
25.84MSharesUpdated Jul 19, 2026Short Ratio
5.47daysvs all stocks
Short % of Shares Outstanding
30.96%vs all stocks
% Held by Insiders
13.01%vs all stocks
% Held by Institutions
61.66%vs all stocks
Total Cash (MRQ)
474.66MUSDvs all stocks (USD)
Total Cash per Share (MRQ)
4.96USDUpdated Jul 19, 2026Total Debt (MRQ)
1.98BUSDvs all stocks (USD)
Total Debt to Equity (MRQ)
2.70xvs Credit Services peers
Current Ratio (MRQ)
11.65xvs Credit Services peers
Book Value per Share (MRQ)
7.66USDUpdated Jul 19, 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
23.96USDUpdated Jul 19, 202652-Week High
87.30USDUpdated Jul 19, 202652-Week Change
-61.52%vs all stocks
Beta
2.27xvs all stocks
50-Day MA
31.27USDUpdated Jul 19, 2026200-Day MA
37.23USDUpdated Jul 19, 2026Avg 10-Day Volume
3.71MSharesUpdated Jul 19, 2026Avg 30-Day Volume
4.31MSharesUpdated Jul 19, 2026Diluted EPS (TTM)
0.4100USDUpdated Jul 19, 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 71.98×, higher than 95% of its Credit Services peers (median 13.33×)Significant
P/E ratio: 71.98Industry median: 13.33Industry P95: 58.87Peers compared: 36.00
Structural Tensions
Most companies in its industry are risk businesses; this one is an interface businessSignificant
Industry peers: 109Share 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
Levered free cash flow is -$312.58M, lower than 95% of all stocks globallySignificant
Levered free cash flow (USD): -312,582,368Global P5: -219,013,500
Market cap is $2.82B, above the global median of $1.15BNotable
Market cap (USD): 2,824,448,401Global Median: 1,146,734,693.424
Revenue is $1.17B, above the global median of $520.53MNotable
Revenue (USD): 1,173,714,048Global Median: 520,528,949.311
Companies that share the same coordination system — how they create, deliver, or capture value.
Yixin Group Ltd.
Tier 1InterfaceSpread-Based LeverageRiskFlow
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Tier 1InterfaceSpread-Based LeverageRiskFlow
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Tier 1InterfaceSpread-Based LeverageSenseMakingFlow
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Tier 1InterfaceSpread-Based LeverageFlowRisk
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Tier 1InterfaceSpread-Based LeverageRiskFlow
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Beijing Cuiwei Tower Co., Ltd.
Tier 2InterfaceSpread-Based LeverageFlowProduction
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Tier 3InterfaceExpertise LeverageFlowSenseMaking
eToro Group Ltd.
Tier 3InterfacePlatform IntermediationFlowRisk
Yongan Futures Co., Ltd.
Tier 3InterfacePlatform IntermediationRiskFlow
Companies that share active interpretations — structural patterns currently present in both stocks.
LegalZoom.com, Inc.
1 interpretationSBC-to-Net-Income Elevated, SBC-to-Revenue Elevated, And Diluted Share Count Growing (6Y CAGR)
Spire Global Inc.
1 interpretationSBC-to-Net-Income Elevated, SBC-to-Revenue Elevated, And Diluted Share Count Growing (6Y CAGR)
Pegasystems Inc.
1 interpretationSBC-to-Net-Income Elevated, SBC-to-Revenue Elevated, And Diluted Share Count Growing (6Y CAGR)