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Macroeconomic Conditions 58 Our business is sensitive to macroeconomic conditions. Interest rate changes directly impact funding costs and Members' settlement capacity.
35.34% net margin is above average for a financial institution, suggesting strong underwriting or fee income alongside controlled credit costs.
Revenue grew 59.7% YoY.
Traditional FCF and operating-margin metrics are not meaningful for financial institutions. Evaluate using net interest margin, credit quality, and capital ratios instead.
Profitability & Returns
Revenue (TTM)
$605M
▲ +59.7% YoY
Net Income (TTM)
$225M
▲ +238.4% YoY
Net Margin
37.21%
P/E
—
Balance Sheet
Total Assets
$531M
Equity
$204M
Total Debt
$193M
Cash & Equiv.
$176M
3Y CAGR: +39.3%
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