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Personal credit institutions company · DE · FY ends Dec · Revenue $3.28B · 23.61% margin · $1.86B FCF
Net margin is thin at 9.78%. This may reflect rising credit costs, rate compression, or operational inefficiency.
Revenue grew 18.6% 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)
$3.28B
▲ +18.6% YoY
Net Income (TTM)
$327M
▲ +47.2% YoY
Net Margin
9.95%
P/E
—
Balance Sheet
Total Assets
$6.88B
Equity
$1.40B
Total Debt
$4.86B
Cash & Equiv.
$96M
5Y CAGR: +23.8%
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