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Personal credit institutions company · DE · FY ends Dec · Revenue $408M · $322M FCF
Net margin is thin at 11.10%. This may reflect rising credit costs, rate compression, or operational inefficiency.
Revenue grew 6.3% 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)
$408M
▲ +6.3% YoY
Net Income (TTM)
$49M
▲ +7.7% YoY
Net Margin
11.97%
P/E
—
Balance Sheet
Total Assets
$2.07B
Equity
$376M
Total Debt
$1.66B
Cash & Equiv.
$103M
5Y CAGR: +1.4%
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