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Personal credit institutions company · SC · FY ends Mar · Revenue $397M · -36.15% margin · $255M FCF
Net margin is thin at 8.72%. This may reflect rising credit costs, rate compression, or operational inefficiency.
Revenue growth slowed to 0.4%, essentially flat. This is a business that needs a catalyst.
Net income declined 61% YoY, profitability momentum has weakened.
Profitability & Returns
Revenue (TTM)
$397M
▲ +0.4% YoY
Net Income (TTM)
$35M
▼ -61.2% YoY
Net Margin
8.72%
P/E
—
Balance Sheet
Total Assets
$1.05B
Equity
$351M
Total Debt
$661M
Cash & Equiv.
$6M
5Y CAGR: -2.1%
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