Quarterly
Annual
| Unit: USD | 2025-07-31 | 2025-04-30 | 2025-01-31 | 2024-10-31 | 2024-07-31 | 2024-04-30 | 2024-01-31 | 2023-10-31 | 2023-07-31 | 2023-04-30 | 2023-01-31 | 2022-10-31 | 2022-07-31 | 2022-04-30 | 2022-01-31 | 2021-10-31 | 2021-07-31 | 2021-04-30 | 2021-01-31 | 2020-10-31 | 2020-07-31 | 2020-04-30 | 2020-01-31 | 2019-10-31 | 2019-07-31 | 2019-04-30 | 2019-01-31 | 2018-10-31 | 2018-07-31 | 2018-04-30 | 2018-01-31 | 2017-10-31 | 2017-07-31 | 2017-04-30 | 2017-01-31 | 2016-10-31 | 2016-07-31 | 2016-04-30 | 2016-01-31 | 2015-10-31 | 2015-07-31 | 2015-04-30 | 2015-01-31 | 2014-10-31 | 2014-07-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
revenue | |||||||||||||||||||||||||||||||||||||||||||||
service revenue | 117,873,000 | 119,784,000 | 124,209,000 | 119,174,000 | 116,720,000 | 118,214,000 | 137,347,000 | 107,512,000 | 105,719,000 | 105,112,000 | 114,234,000 | 108,580,000 | 103,034,000 | 104,348,000 | 112,461,000 | 102,733,000 | 109,182,000 | 102,534,000 | 111,328,000 | 104,562,000 | 103,805,000 | 111,271,000 | 122,158,000 | 87,620,000 | 26,282,000 | 26,808,000 | 25,767,000 | 25,041,000 | 24,935,000 | 24,821,000 | 23,361,000 | 22,962,000 | 22,809,000 | 22,487,000 | 20,644,000 | 18,781,000 | 18,835,000 | 18,994,000 | |||||||
custodial revenue | 159,876,000 | 156,455,000 | 144,133,000 | 140,953,000 | 138,684,000 | 121,644,000 | 86,661,000 | 106,575,000 | 98,917,000 | 94,441,000 | 83,506,000 | 74,642,000 | 65,599,000 | 59,365,000 | 58,057,000 | 49,006,000 | 48,776,000 | 46,978,000 | 48,581,000 | 48,544,000 | 46,909,000 | 46,899,000 | 49,354,000 | 46,972,000 | 43,614,000 | 41,952,000 | 35,465,000 | 31,564,000 | 30,715,000 | 28,434,000 | 24,451,000 | 22,105,000 | 21,285,000 | 19,319,000 | 16,036,000 | 14,967,000 | 14,779,000 | 13,811,000 | |||||||
interchange revenue | 48,086,000 | 54,605,000 | 43,475,000 | 40,305,000 | 44,524,000 | 47,739,000 | 38,379,000 | 35,132,000 | 38,913,000 | 44,879,000 | 36,101,000 | 32,864,000 | 37,509,000 | 41,966,000 | 32,779,000 | 28,215,000 | 31,145,000 | 34,690,000 | 28,260,000 | 26,245,000 | 25,325,000 | 31,841,000 | 29,688,000 | 22,526,000 | 16,727,000 | 18,292,000 | 14,545,000 | 13,890,000 | 15,417,000 | 16,649,000 | 12,624,000 | 11,722,000 | 12,785,000 | 13,615,000 | 10,134,000 | 9,610,000 | 10,571,000 | 11,208,000 | |||||||
total revenue | 325,835,000 | 330,844,000 | 311,817,000 | 300,432,000 | 299,928,000 | 287,597,000 | 262,387,000 | 249,219,000 | 243,549,000 | 244,432,000 | 233,841,000 | 216,086,000 | 206,142,000 | 205,679,000 | 203,297,000 | 179,954,000 | 189,103,000 | 184,202,000 | 188,169,000 | 179,351,000 | 176,039,000 | 190,011,000 | 201,200,000 | 157,118,000 | 86,623,000 | 87,052,000 | 75,777,000 | 70,495,000 | 71,067,000 | 69,904,000 | 60,436,000 | 56,789,000 | 56,879,000 | 55,421,000 | 46,814,000 | 43,358,000 | 44,185,000 | 44,013,000 | 35,886,000 | 30,556,000 | 30,494,000 | 29,850,000 | 24,871,000 | 21,862,000 | 20,891,000 |
yoy | 8.64% | 15.04% | 18.84% | 20.55% | 23.15% | 17.66% | 12.21% | 15.33% | 18.15% | 18.84% | 15.02% | 20.08% | 9.01% | 11.66% | 8.04% | 0.34% | 7.42% | -3.06% | -6.48% | 14.15% | 103.22% | 118.27% | 165.52% | 122.88% | 21.89% | 24.53% | 25.38% | 24.13% | 24.94% | 26.13% | 29.10% | 30.98% | 28.73% | 25.92% | 30.45% | 41.90% | 44.90% | 47.45% | 44.29% | 39.77% | 45.97% | ||||
qoq | -1.51% | 6.10% | 3.79% | 0.17% | 4.29% | 9.61% | 5.28% | 2.33% | -0.36% | 4.53% | 8.22% | 4.82% | 0.23% | 1.17% | 12.97% | -4.84% | 2.66% | -2.11% | 4.92% | 1.88% | -7.35% | -5.56% | 28.06% | 81.38% | -0.49% | 14.88% | 7.49% | -0.80% | 1.66% | 15.67% | 6.42% | -0.16% | 2.63% | 18.39% | 7.97% | -1.87% | 0.39% | 22.65% | 17.44% | 0.20% | 2.16% | 20.02% | 13.76% | 4.65% | |
cost of revenue | |||||||||||||||||||||||||||||||||||||||||||||
service costs | 75,156,000 | 88,005,000 | 105,466,000 | 86,860,000 | 76,915,000 | 82,347,000 | 84,912,000 | 75,347,000 | 76,543,000 | 80,555,000 | 85,079,000 | 76,493,000 | 74,914,000 | 80,874,000 | 86,119,000 | 66,217,000 | 67,334,000 | 70,632,000 | 78,019,000 | 65,936,000 | 65,246,000 | 71,013,000 | 78,191,000 | 52,278,000 | 19,745,000 | 20,649,000 | 24,050,000 | 17,562,000 | 17,199,000 | 18,047,000 | 22,602,000 | 17,251,000 | 14,998,000 | 15,575,000 | 17,397,000 | 12,675,000 | 10,539,000 | 11,257,000 | |||||||
custodial costs | 11,137,000 | 10,747,000 | 10,269,000 | 10,241,000 | 10,108,000 | 9,057,000 | 5,192,000 | 9,177,000 | 9,133,000 | 9,000,000 | 8,558,000 | 6,812,000 | 7,090,000 | 6,641,000 | 6,300,000 | 5,734,000 | 4,824,000 | 5,009,000 | 4,769,000 | 4,762,000 | 4,998,000 | 5,045,000 | 4,847,000 | 4,384,000 | 4,209,000 | 4,123,000 | 3,632,000 | 3,551,000 | 3,502,000 | 3,439,000 | 3,030,000 | 2,784,000 | 2,785,000 | 2,801,000 | 2,556,000 | 2,461,000 | 2,394,000 | 2,356,000 | 2,051,000 | 1,536,000 | 1,512,000 | 1,423,000 | 1,147,000 | 1,050,000 | 1,006,000 |
interchange costs | 6,947,000 | 7,781,000 | 7,039,000 | 6,305,000 | 8,853,000 | 9,055,000 | 6,810,000 | 6,287,000 | 6,943,000 | 7,051,000 | 5,956,000 | 5,923,000 | 6,326,000 | 6,991,000 | 5,579,000 | 4,683,000 | 4,974,000 | 5,445,000 | 4,463,000 | 4,095,000 | 4,011,000 | 5,879,000 | 4,481,000 | 4,421,000 | 4,229,000 | 4,527,000 | 3,650,000 | 3,565,000 | 3,791,000 | 4,062,000 | 3,158,000 | 3,027,000 | 3,294,000 | 3,304,000 | 2,632,000 | 2,331,000 | 2,698,000 | 2,719,000 | |||||||
total cost of revenue | 93,240,000 | 106,533,000 | 122,774,000 | 103,406,000 | 95,876,000 | 100,459,000 | 96,914,000 | 90,811,000 | 92,619,000 | 96,606,000 | 99,593,000 | 89,228,000 | 88,330,000 | 94,506,000 | 97,998,000 | 76,634,000 | 77,132,000 | 81,086,000 | 87,251,000 | 74,793,000 | 74,255,000 | 81,937,000 | 87,519,000 | 61,083,000 | 28,183,000 | 29,299,000 | 31,332,000 | 24,678,000 | 24,492,000 | 25,548,000 | 28,790,000 | 23,062,000 | 21,077,000 | 21,680,000 | 22,585,000 | 17,467,000 | 15,631,000 | 16,332,000 | |||||||
gross profit | 232,595,000 | 224,311,000 | 189,043,000 | 197,026,000 | 204,052,000 | 187,138,000 | 165,473,000 | 158,408,000 | 150,930,000 | 147,826,000 | 134,248,000 | 126,858,000 | 117,812,000 | 111,173,000 | 105,299,000 | 103,320,000 | 111,971,000 | 103,116,000 | 100,918,000 | 104,558,000 | 101,784,000 | 108,074,000 | 113,681,000 | 96,035,000 | 58,440,000 | 57,753,000 | 44,445,000 | 45,817,000 | 46,575,000 | 44,356,000 | 31,646,000 | 33,727,000 | 35,802,000 | 33,741,000 | 24,229,000 | 25,891,000 | 28,554,000 | 27,681,000 | 18,431,000 | 17,676,000 | 18,585,000 | 17,906,000 | 12,513,000 | 12,232,000 | 11,769,000 |
yoy | 13.99% | 19.86% | 14.24% | 24.38% | 35.20% | 26.59% | 23.26% | 24.87% | 28.11% | 32.97% | 27.49% | 22.78% | 5.22% | 7.81% | 4.34% | -1.18% | 10.01% | -4.59% | -11.23% | 8.87% | 74.17% | 87.13% | 155.78% | 109.61% | 25.48% | 30.20% | 40.44% | 35.85% | 30.09% | 31.46% | 30.61% | 30.27% | 25.38% | 21.89% | 31.46% | 46.48% | 53.64% | 54.59% | 47.29% | 44.51% | 57.91% | ||||
qoq | 3.69% | 18.66% | -4.05% | -3.44% | 9.04% | 13.09% | 4.46% | 4.95% | 2.10% | 10.11% | 5.83% | 7.68% | 5.97% | 5.58% | 1.92% | -7.73% | 8.59% | 2.18% | -3.48% | 2.73% | -5.82% | -4.93% | 18.37% | 64.33% | 1.19% | 29.94% | -2.99% | -1.63% | 5.00% | 40.16% | -6.17% | -5.80% | 6.11% | 39.26% | -6.42% | -9.33% | 3.15% | 50.19% | 4.27% | -4.89% | 3.79% | 43.10% | 2.30% | 3.93% | |
gross margin % | 71.38% | 67.80% | 60.63% | 65.58% | 68.03% | 65.07% | 63.06% | 63.56% | 61.97% | 60.48% | 57.41% | 58.71% | 57.15% | 54.05% | 51.80% | 57.41% | 59.21% | 55.98% | 53.63% | 58.30% | 57.82% | 56.88% | 56.50% | 61.12% | 67.46% | 66.34% | 58.65% | 64.99% | 65.54% | 63.45% | 52.36% | 59.39% | 62.94% | 60.88% | 51.76% | 59.71% | 64.62% | 62.89% | 51.36% | 57.85% | 60.95% | 59.99% | 50.31% | 55.95% | 56.34% |
operating expenses | |||||||||||||||||||||||||||||||||||||||||||||
sales and marketing | 19,922,000 | 25,984,000 | 23,084,000 | 22,636,000 | 21,525,000 | 23,494,000 | 20,559,000 | 19,656,000 | 19,123,000 | 19,935,000 | 19,201,000 | 17,245,000 | 15,843,000 | 16,560,000 | 16,317,000 | 12,726,000 | 15,476,000 | 14,086,000 | 13,462,000 | 12,880,000 | 12,167,000 | 11,455,000 | 13,936,000 | 12,654,000 | 8,391,000 | 8,970,000 | 7,893,000 | 7,502,000 | 7,243,000 | 6,860,000 | 7,432,000 | 5,892,000 | 5,194,000 | 4,621,000 | 5,556,000 | 4,391,000 | 4,190,000 | 4,183,000 | 4,665,000 | 3,067,000 | 2,737,000 | 2,833,000 | 3,790,000 | 2,275,000 | 2,321,000 |
technology and development | 64,804,000 | 61,436,000 | 64,654,000 | 60,189,000 | 58,580,000 | 56,090,000 | 55,238,000 | 55,614,000 | 54,767,000 | 53,192,000 | 52,722,000 | 48,890,000 | 46,580,000 | 45,183,000 | 45,927,000 | 38,070,000 | 37,898,000 | 35,469,000 | 32,319,000 | 30,758,000 | 30,654,000 | 31,078,000 | 31,515,000 | 23,511,000 | 11,645,000 | 10,905,000 | 10,002,000 | 8,678,000 | 8,398,000 | 7,979,000 | 7,480,000 | 6,866,000 | 6,797,000 | 6,242,000 | 6,548,000 | 6,209,000 | 4,993,000 | 4,625,000 | 4,891,000 | 4,419,000 | 3,998,000 | 3,524,000 | 3,202,000 | 2,811,000 | 2,302,000 |
general and administrative | 29,990,000 | 25,536,000 | 29,975,000 | 31,789,000 | 32,260,000 | 38,236,000 | 25,293,000 | 26,379,000 | 27,090,000 | 24,894,000 | 20,833,000 | 25,131,000 | 25,937,000 | 23,727,000 | 20,876,000 | 20,004,000 | 22,812,000 | 20,687,000 | 22,903,000 | 22,099,000 | 20,493,000 | 18,998,000 | 23,368,000 | 19,222,000 | 9,262,000 | 8,709,000 | 8,478,000 | 9,161,000 | 7,893,000 | 7,507,000 | 6,757,000 | 6,252,000 | 6,234,000 | 5,868,000 | 4,861,000 | 5,166,000 | 5,550,000 | 4,574,000 | 3,535,000 | 3,477,000 | 3,943,000 | 3,158,000 | 3,091,000 | 2,443,000 | 1,666,000 |
amortization of acquired intangible assets | 27,001,000 | 27,002,000 | 27,002,000 | 28,350,000 | 30,981,000 | 25,545,000 | 23,218,000 | 23,213,000 | 23,166,000 | 23,166,000 | 23,166,000 | 23,541,000 | 24,181,000 | 23,698,000 | 23,046,000 | 19,642,000 | 20,289,000 | 19,814,000 | 19,159,000 | 19,126,000 | 19,077,000 | 18,702,000 | 18,668,000 | 13,051,000 | 1,494,000 | 1,491,000 | 1,491,000 | 1,490,000 | 1,478,000 | 1,470,000 | 1,543,000 | 1,155,000 | 1,082,000 | 1,083,000 | 1,083,000 | 1,083,000 | 1,082,000 | 1,049,000 | 981,000 | 409,000 | 409,000 | 409,000 | 410,000 | 409,000 | 409,000 |
merger integration | 1,266,000 | 1,275,000 | 2,178,000 | 34,437,000 | 1,777,000 | 2,143,000 | 2,278,000 | 2,655,000 | 2,044,000 | 3,458,000 | 5,110,000 | 6,509,000 | 7,683,000 | 9,294,000 | 26,383,000 | 13,244,000 | 16,371,000 | 8,807,000 | 14,662,000 | 8,193,000 | 10,365,000 | 12,770,000 | 11,652,000 | 17,675,000 | 2,784,000 | ||||||||||||||||||||
total operating expenses | 142,983,000 | 141,233,000 | 146,893,000 | 177,401,000 | 145,123,000 | 145,508,000 | 126,586,000 | 127,517,000 | 126,190,000 | 124,645,000 | 121,032,000 | 121,316,000 | 120,224,000 | 118,462,000 | 132,549,000 | 103,686,000 | 112,846,000 | 98,863,000 | 102,505,000 | 93,056,000 | 92,756,000 | 93,003,000 | 99,139,000 | 86,113,000 | 33,576,000 | 30,075,000 | 27,864,000 | 26,831,000 | 25,012,000 | 23,816,000 | 23,212,000 | 20,165,000 | 19,307,000 | 17,814,000 | 18,048,000 | 16,849,000 | 15,815,000 | 14,431,000 | 14,072,000 | 11,372,000 | 11,087,000 | 9,924,000 | 10,493,000 | 7,938,000 | 6,698,000 |
income from operations | 89,612,000 | 83,078,000 | 42,150,000 | 19,625,000 | 58,929,000 | 41,630,000 | 38,887,000 | 30,891,000 | 24,740,000 | 23,181,000 | 13,216,000 | 5,542,000 | -2,412,000 | -7,289,000 | -27,250,000 | -366,000 | -875,000 | 4,253,000 | -1,587,000 | 11,502,000 | 9,028,000 | 15,071,000 | 14,542,000 | 9,922,000 | 24,864,000 | 27,678,000 | 16,581,000 | 18,986,000 | 21,563,000 | 20,540,000 | 8,434,000 | 13,562,000 | 16,495,000 | 15,927,000 | 6,181,000 | 9,042,000 | 12,739,000 | 13,250,000 | 4,359,000 | 6,304,000 | 7,498,000 | 7,982,000 | 2,020,000 | 4,294,000 | 5,071,000 |
yoy | 52.07% | 99.56% | 8.39% | -36.47% | 138.19% | 79.59% | 194.24% | 457.40% | -1125.70% | -418.03% | -148.50% | -1614.21% | 175.66% | -271.38% | 1617.08% | -103.18% | -109.69% | -71.78% | -110.91% | 15.92% | -63.69% | -45.55% | -12.30% | -47.74% | 15.31% | 34.75% | 96.60% | 39.99% | 30.72% | 28.96% | 36.45% | 49.99% | 29.48% | 20.20% | 41.80% | 43.43% | 69.90% | 66.00% | 115.79% | 46.81% | 47.86% | ||||
qoq | 7.86% | 97.10% | 114.78% | -66.70% | 41.55% | 7.05% | 25.88% | 24.86% | 6.73% | 75.40% | 138.47% | -329.77% | -66.91% | -73.25% | 7345.36% | -58.17% | -120.57% | -367.99% | -113.80% | 27.40% | -40.10% | 3.64% | 46.56% | -60.09% | -10.17% | 66.93% | -12.67% | -11.95% | 4.98% | 143.54% | -37.81% | -17.78% | 3.57% | 157.68% | -31.64% | -29.02% | -3.86% | 203.97% | -30.85% | -15.92% | -6.06% | 295.15% | -52.96% | -15.32% | |
operating margin % | 27.50% | 25.11% | 13.52% | 6.53% | 19.65% | 14.48% | 14.82% | 12.40% | 10.16% | 9.48% | 5.65% | 2.56% | -1.17% | -3.54% | -13.40% | -0.20% | -0.46% | 2.31% | -0.84% | 6.41% | 5.13% | 7.93% | 7.23% | 6.31% | 28.70% | 31.79% | 21.88% | 26.93% | 30.34% | 29.38% | 13.96% | 23.88% | 29.00% | 28.74% | 13.20% | 20.85% | 28.83% | 30.10% | 12.15% | 20.63% | 24.59% | 26.74% | 8.12% | 19.64% | 24.27% |
other income | 3,391,000 | 2,733,000 | 3,068,000 | 4,748,000 | 3,114,000 | 3,404,000 | 4,471,000 | 3,741,000 | 2,756,000 | 1,828,000 | 1,097,000 | 443,000 | 32,000 | -301,000 | -5,767,000 | 3,122,000 | 344,000 | -3,630,000 | 7,016,000 | -421,000 | -824,000 | -764,000 | 23,600,000 | ||||||||||||||||||||||
interest expense | -14,955,000 | -14,858,000 | -15,257,000 | -18,155,000 | -15,427,000 | -11,795,000 | -13,641,000 | -13,545,000 | -13,272,000 | -14,997,000 | -14,305,000 | -12,165,000 | -11,493,000 | -10,461,000 | -10,748,000 | -11,881,000 | -7,254,000 | -6,689,000 | -6,771,000 | -6,952,000 | -8,895,000 | -12,263,000 | |||||||||||||||||||||||
total other income | -11,564,000 | -12,125,000 | -12,189,000 | -13,407,000 | -12,313,000 | -8,391,000 | -9,170,000 | -9,804,000 | -10,516,000 | -13,169,000 | -13,208,000 | -11,722,000 | -11,461,000 | -10,762,000 | -16,515,000 | -8,759,000 | -6,910,000 | -10,319,000 | 245,000 | -7,373,000 | -9,719,000 | -13,027,000 | |||||||||||||||||||||||
income before income taxes | 78,048,000 | 70,953,000 | 29,961,000 | 6,218,000 | 46,616,000 | 33,239,000 | 29,717,000 | 21,087,000 | 14,224,000 | 10,012,000 | 8,000 | -6,180,000 | -13,873,000 | -18,051,000 | -43,765,000 | -9,125,000 | -7,785,000 | -6,066,000 | -1,342,000 | 4,129,000 | -691,000 | 2,044,000 | -607,000 | 23,736,000 | 51,278,000 | 16,360,000 | 17,431,000 | 21,488,000 | 20,539,000 | 6,728,000 | 13,167,000 | 16,457,000 | 15,837,000 | 6,023,000 | 8,786,000 | 12,702,000 | 12,609,000 | 4,296,000 | 6,425,000 | 6,956,000 | 7,877,000 | 1,922,000 | 4,149,000 | 5,032,000 | |
income tax provision | 18,194,000 | 17,038,000 | 3,933,750 | 515,000 | 10,794,000 | 4,426,000 | 218,000 | 823,000 | 2,685,000 | 1,808,000 | 1,961,000 | 2,778,000 | 4,469,000 | 4,536,000 | 1,168,000 | 2,338,000 | 2,535,000 | 2,900,000 | 1,261,750 | 1,100,000 | 2,004,000 | ||||||||||||||||||||||||
net income | 59,854,000 | 13,119,000 | 15,686,000 | 22,517,000 | 22,577,000 | 5,905,000 | 10,482,000 | 16,946,000 | 14,029,000 | 4,062,000 | 6,008,000 | 8,233,000 | 8,073,000 | 3,128,000 | 4,087,000 | 4,421,000 | 4,977,000 | ||||||||||||||||||||||||||||
net income per share | |||||||||||||||||||||||||||||||||||||||||||||
basic | 0.69 | 0.62 | 0.3 | 0.07 | 0.41 | 0.33 | 0.31 | 0.17 | 0.12 | 0.05 | -0.02 | -0.13 | -0.16 | -0.39 | -0.06 | -0.05 | -0.03 | 0.07 | 0.02 | 0 | 0.03 | -0.02 | -0.3 | 0.3 | 0.67 | 0.22 | 0.25 | 0.36 | 0.37 | 0.1 | 0.17 | 0.28 | 0.23 | 0.07 | 0.1 | 0.14 | 0.14 | 0.05 | 0.07 | 0.08 | 0.09 | -0.05 | 0.06 | 0.19 | |
diluted | 0.68 | 0.61 | 0.3 | 0.06 | 0.4 | 0.33 | 0.3 | 0.17 | 0.12 | 0.05 | -0.02 | -0.13 | -0.16 | -0.39 | -0.06 | -0.05 | -0.03 | 0.07 | 0.02 | 0 | 0.03 | -0.01 | -0.3 | 0.3 | 0.65 | 0.21 | 0.25 | 0.36 | 0.36 | 0.1 | 0.17 | 0.27 | 0.23 | 0.07 | 0.1 | 0.14 | 0.14 | 0.05 | 0.07 | 0.08 | 0.09 | 0.02 | 0.05 | 0.06 | |
weighted-average number of shares used in computing net income per share: | |||||||||||||||||||||||||||||||||||||||||||||
basic | 86,550 | 86,655 | 86,870 | 87,193 | 87,131 | 86,472 | 85,564 | 85,697 | 85,533 | 85,030 | 84,442 | 84,572 | 84,443 | 84,022 | 83,133 | 83,551 | 83,481 | 81,747 | 74,235 | 76,701 | 72,343 | 70,980 | 67,026 | 70,524 | 64,220 | 62,326 | 61,836 | 62,088 | 61,880 | 61,170 | 60,304 | 60,562 | 60,173 | 59,720 | 58,615 | 58,938 | 58,246 | 57,820 | 56,719 | 57,353 | 56,730 | 55,063 | 31,181 | 53,678 | 8,135 |
diluted | 87,746 | 88,415 | 88,828 | 88,634 | 88,646 | 88,324 | 86,957 | 87,122 | 86,341 | 86,102 | 84,442 | 84,572 | 84,443 | 84,022 | 83,133 | 83,551 | 83,481 | 81,747 | 75,679 | 77,845 | 72,343 | 72,292 | 68,453 | 70,524 | 65,583 | 63,901 | 63,370 | 63,923 | 63,397 | 62,693 | 61,854 | 61,868 | 61,765 | 61,400 | 59,894 | 60,073 | 59,651 | 59,399 | 58,863 | 59,263 | 58,932 | 57,770 | 51,856 | 57,553 | 41,680 |
net income and comprehensive income | 53,915,000 | 26,365,000 | 5,703,000 | 35,822,000 | 28,813,000 | 26,364,000 | 14,673,000 | 10,581,000 | 4,094,000 | -209,000 | -1,641,000 | -10,654,000 | -13,639,000 | -32,818,000 | -5,038,000 | -3,818,000 | -2,615,000 | 5,367,000 | 1,789,000 | -148,000 | 1,826,000 | 9,963,500 | -21,334,000 | 19,366,000 | 41,822,000 | 1,371,000 | 3,049,000 | 3,028,000 | |||||||||||||||||
yoy | 87.12% | 0.00% | -61.13% | 238.55% | 603.79% | -12714.35% | -994.15% | -199.31% | -130.02% | -99.36% | -67.43% | 179.05% | 421.57% | -711.48% | -381.61% | 2479.73% | -243.21% | -46.13% | -108.39% | -100.76% | -95.63% | ||||||||||||||||||||||||
qoq | 104.49% | 362.30% | -84.08% | 24.33% | 9.29% | 79.68% | 38.67% | 158.45% | -2058.85% | -87.26% | -84.60% | -21.89% | -58.44% | 551.41% | 31.95% | 46.00% | -148.72% | 200.00% | -1308.78% | -108.11% | -81.67% | -146.70% | -210.16% | -53.69% | -55.03% | 0.69% | |||||||||||||||||||
net income margin % | 0% | 16.30% | 8.46% | 1.90% | 11.94% | 10.02% | 10.05% | 5.89% | 4.34% | 1.67% | -0.09% | -0.76% | -5.17% | -6.63% | -16.14% | -2.80% | -2.02% | -1.42% | 2.85% | 1.00% | -0.08% | 0.96% | 4.95% | -13.58% | 22.36% | 48.04% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 5.51% | 13.95% | 14.49% |
income tax benefit | 3,353,000 | 6,414,000 | 3,643,000 | 5,918,000 | 217,000 | -4,539,000 | -3,219,000 | -4,412,000 | -10,947,000 | -4,087,000 | -3,967,000 | -3,451,000 | -6,709,000 | 2,340,000 | -543,000 | 977,000 | 4,370,000 | 9,456,000 | 1,745,000 | ||||||||||||||||||||||||||
revenue: | |||||||||||||||||||||||||||||||||||||||||||||
cost of revenue: | |||||||||||||||||||||||||||||||||||||||||||||
operating expenses: | |||||||||||||||||||||||||||||||||||||||||||||
other income: | |||||||||||||||||||||||||||||||||||||||||||||
comprehensive income: | |||||||||||||||||||||||||||||||||||||||||||||
other comprehensive gain: | |||||||||||||||||||||||||||||||||||||||||||||
unrealized gain on available-for-sale marketable securities, net of tax | 7 | ||||||||||||||||||||||||||||||||||||||||||||
comprehensive income | 13,119 | 15,686 | 22,517 | 22,577 | 5,869 | 10,489 | 16,942 | 14,003 | 4,031 | 5,985 | 8,260 | 8,034 | 3,097 | 4,053 | 4,410 | 4,955 | |||||||||||||||||||||||||||||
other comprehensive loss: | |||||||||||||||||||||||||||||||||||||||||||||
unrealized loss on available-for-sale marketable securities, net of tax | |||||||||||||||||||||||||||||||||||||||||||||
unrealized gain/(loss) on available-for-sale marketable securities, net of tax | 27 | ||||||||||||||||||||||||||||||||||||||||||||
account fee revenue | 11,010,750 | 15,042,000 | 14,604,000 | 14,397,000 | 12,988,000 | 11,086,000 | 10,548,000 | ||||||||||||||||||||||||||||||||||||||
custodial fee revenue | 6,648,000 | 9,142,000 | 9,031,000 | 8,419,000 | 6,817,000 | 6,196,000 | 5,934,000 | ||||||||||||||||||||||||||||||||||||||
card fee revenue | 4,950,250 | 6,213,000 | 6,771,000 | 6,817,000 | 4,898,000 | 4,317,000 | 4,233,000 | ||||||||||||||||||||||||||||||||||||||
other revenue | 116,000 | 159,000 | 88,000 | 217,000 | 168,000 | 263,000 | 176,000 | ||||||||||||||||||||||||||||||||||||||
cost of services: | |||||||||||||||||||||||||||||||||||||||||||||
account costs | 6,495,250 | 9,276,000 | 8,316,000 | 8,389,000 | 9,572,000 | 7,057,000 | 6,703,000 | ||||||||||||||||||||||||||||||||||||||
card costs | 1,525,000 | 1,949,000 | 2,049,000 | 2,102,000 | 1,615,000 | 1,467,000 | 1,412,000 | ||||||||||||||||||||||||||||||||||||||
other costs | 45,250 | 119,000 | 32,000 | 30,000 | 24,000 | 56,000 | 1,000 | ||||||||||||||||||||||||||||||||||||||
total cost of services | 9,183,250 | 12,880,000 | 11,909,000 | 11,944,000 | 12,358,000 | 9,630,000 | 9,122,000 | ||||||||||||||||||||||||||||||||||||||
other income and | |||||||||||||||||||||||||||||||||||||||||||||
loss on revaluation of redeemable convertible preferred stock derivative | |||||||||||||||||||||||||||||||||||||||||||||
other income and (expense) | 121,000 | ||||||||||||||||||||||||||||||||||||||||||||
total other income and | 121,000 | ||||||||||||||||||||||||||||||||||||||||||||
net income attributable to common stockholders: | |||||||||||||||||||||||||||||||||||||||||||||
basic | 3,128,000 | 4,087,000 | 4,421,000 | 4,977,000 | 1,813,000 | 3,020,000 | 1,565,000 | ||||||||||||||||||||||||||||||||||||||
diluted | 3,128,000 | 4,087,000 | 4,421,000 | 4,977,000 | 1,371,000 | 3,036,000 | 2,591,000 | ||||||||||||||||||||||||||||||||||||||
weighted-average number of shares used in computing net income per share attributable to common stockholders: | |||||||||||||||||||||||||||||||||||||||||||||
basic | 86,550 | 86,655 | 86,870 | 87,193 | 87,131 | 86,472 | 85,564 | 85,697 | 85,533 | 85,030 | 84,442 | 84,572 | 84,443 | 84,022 | 83,133 | 83,551 | 83,481 | 81,747 | 74,235 | 76,701 | 72,343 | 70,980 | 67,026 | 70,524 | 64,220 | 62,326 | 61,836 | 62,088 | 61,880 | 61,170 | 60,304 | 60,562 | 60,173 | 59,720 | 58,615 | 58,938 | 58,246 | 57,820 | 56,719 | 57,353 | 56,730 | 55,063 | 31,181 | 53,678 | 8,135 |
diluted | 87,746 | 88,415 | 88,828 | 88,634 | 88,646 | 88,324 | 86,957 | 87,122 | 86,341 | 86,102 | 84,442 | 84,572 | 84,443 | 84,022 | 83,133 | 83,551 | 83,481 | 81,747 | 75,679 | 77,845 | 72,343 | 72,292 | 68,453 | 70,524 | 65,583 | 63,901 | 63,370 | 63,923 | 63,397 | 62,693 | 61,854 | 61,868 | 61,765 | 61,400 | 59,894 | 60,073 | 59,651 | 59,399 | 58,863 | 59,263 | 58,932 | 57,770 | 51,856 | 57,553 | 41,680 |
cost of services |
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