Quarterly
Annual
| Unit: USD | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-12-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-12-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 | 2020-12-31 | 2020-09-30 | 2020-06-30 | 2020-03-31 | 2019-12-31 | 2019-09-30 | 2019-06-30 | 2019-03-31 | 2018-12-31 | 2018-09-30 | 2018-06-30 | 2018-03-31 | 2017-12-31 | 2017-09-30 | 2017-06-30 | 2017-03-31 | 2016-12-31 | 2016-09-30 | 2016-06-30 | 2016-03-31 | 2015-12-31 | 2015-09-30 | 2015-06-30 | 2015-03-31 | 2014-12-31 | 2014-09-30 | 2014-06-30 | 2014-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
professional service revenues | 169,000,000 | 172,000,000 | 209,000,000 | 181,000,000 | 184,000,000 | 186,000,000 | 214,000,000 | 189,000,000 | 185,000,000 | 177,000,000 | 205,000,000 | 189,000,000 | 189,000,000 | 182,000,000 | 194,000,000 | 174,000,000 | 156,000,000 | 156,000,000 | 153,000,000 | 141,000,000 | 126,000,000 | 121,000,000 | 156,000,000 | 137,000,000 | 130,000,000 | 127,000,000 | 136,000,000 | 124,000,000 | 119,000,000 | 115,000,000 | 129,000,000 | 116,707,000 | 112,530,000 | 108,642,000 | 120,121,000 | 114,266,000 | 110,493,000 | 109,593,000 | 112,403,000 | 106,999,000 | 99,473,000 | 97,799,000 | 97,016,000 | 90,075,000 | 86,864,000 | 82,260,000 | 82,875,000 |
insurance service revenues | 1,046,000,000 | 1,048,000,000 | 1,065,000,000 | 1,081,000,000 | 1,053,000,000 | 1,040,000,000 | 1,050,000,000 | 1,056,000,000 | 1,037,000,000 | 1,032,000,000 | 1,041,000,000 | 1,037,000,000 | 1,052,000,000 | 1,018,000,000 | 1,024,000,000 | 1,058,000,000 | 992,000,000 | 944,000,000 | 907,000,000 | 922,000,000 | 849,000,000 | 827,000,000 | 892,000,000 | 881,000,000 | 839,000,000 | 808,000,000 | 798,000,000 | 793,000,000 | 756,000,000 | 735,000,000 | 732,000,000 | 730,849,000 | 706,763,000 | 691,899,000 | 687,489,000 | 696,805,000 | 659,964,000 | 636,253,000 | 620,536,000 | 618,696,000 | 568,535,000 | 542,208,000 | 528,562,000 | 513,587,000 | 469,087,000 | 442,746,000 | 426,037,000 |
interest income | 17,000,000 | 18,000,000 | 18,000,000 | 15,000,000 | 15,000,000 | 17,000,000 | 18,000,000 | 15,000,000 | 18,000,000 | 20,000,000 | 18,000,000 | 14,000,000 | 5,000,000 | 2,000,000 | 1,000,000 | 3,000,000 | 1,000,000 | 2,000,000 | 1,000,000 | 2,000,000 | 2,000,000 | 5,000,000 | 5,000,000 | 5,000,000 | 7,000,000 | 6,000,000 | |||||||||||||||||||||
total revenues | 1,232,000,000 | 1,238,000,000 | 1,292,000,000 | 1,326,000,000 | 1,237,000,000 | 1,226,000,000 | 1,264,000,000 | 1,245,000,000 | 1,222,000,000 | 1,209,000,000 | 1,246,000,000 | 1,226,000,000 | 1,241,000,000 | 1,200,000,000 | 1,218,000,000 | 1,232,000,000 | 1,148,000,000 | 1,100,000,000 | 1,060,000,000 | 1,063,000,000 | 975,000,000 | 948,000,000 | 1,048,000,000 | 1,018,000,000 | 969,000,000 | 935,000,000 | 934,000,000 | 917,000,000 | 875,000,000 | 850,000,000 | 861,000,000 | 847,556,000 | 819,293,000 | 800,541,000 | 807,610,000 | 811,071,000 | 770,457,000 | 745,846,000 | 732,939,000 | 725,695,000 | 668,008,000 | 640,007,000 | 625,578,000 | 603,662,000 | 555,951,000 | 525,006,000 | 508,912,000 |
insurance costs | 943,000,000 | 947,000,000 | 942,000,000 | 1,025,000,000 | 949,000,000 | 916,000,000 | 907,000,000 | 919,000,000 | 874,000,000 | 868,000,000 | 852,000,000 | 916,000,000 | 872,000,000 | 852,000,000 | 823,000,000 | 939,000,000 | 851,000,000 | 798,000,000 | 751,000,000 | 842,000,000 | 759,000,000 | 613,000,000 | 765,000,000 | 792,000,000 | 748,000,000 | 704,000,000 | 683,000,000 | 692,000,000 | 647,000,000 | 630,000,000 | 641,000,000 | 644,426,000 | 613,397,000 | 599,535,000 | 608,642,000 | 637,968,000 | 609,422,000 | 596,673,000 | 569,689,000 | 576,698,000 | 534,481,000 | 517,994,000 | 483,203,000 | 476,779,000 | 428,184,000 | 400,195,000 | 381,157,000 |
cost of providing services | 73,000,000 | 71,000,000 | 71,000,000 | 76,000,000 | 74,000,000 | 75,000,000 | 79,000,000 | 76,000,000 | 74,000,000 | 79,000,000 | 78,000,000 | 78,000,000 | 79,000,000 | 76,000,000 | 70,000,000 | 73,000,000 | 61,000,000 | 66,000,000 | 64,000,000 | 70,000,000 | 68,000,000 | 60,000,000 | 64,000,000 | 59,000,000 | 59,000,000 | 63,000,000 | 64,000,000 | 63,000,000 | 58,000,000 | 51,000,000 | 57,000,000 | 55,736,000 | 49,989,000 | 50,825,000 | 56,450,000 | 50,563,000 | 50,142,000 | 44,034,000 | 45,705,000 | 39,112,000 | 37,540,000 | 37,672,000 | 36,370,000 | 34,004,000 | 32,575,000 | 34,034,000 | 33,643,000 |
sales and marketing | 68,000,000 | 68,000,000 | 67,000,000 | 71,000,000 | 74,000,000 | 72,000,000 | 72,000,000 | 71,000,000 | 75,000,000 | 70,000,000 | 69,000,000 | 63,000,000 | 72,000,000 | 62,000,000 | 45,000,000 | 55,000,000 | 56,000,000 | 45,000,000 | 46,000,000 | 50,000,000 | 45,000,000 | 45,000,000 | 46,000,000 | 45,000,000 | 47,000,000 | 52,000,000 | 46,000,000 | 50,000,000 | 52,000,000 | 41,000,000 | 39,000,000 | 47,462,000 | 44,407,000 | 45,940,000 | 49,191,000 | 39,736,000 | 41,470,000 | 43,800,000 | 48,708,000 | 43,019,000 | 44,997,000 | 41,119,000 | 37,624,000 | 35,772,000 | 37,396,000 | 34,992,000 | 31,837,000 |
general and administrative | 51,000,000 | 52,000,000 | 46,000,000 | 92,000,000 | 46,000,000 | 47,000,000 | 48,000,000 | 57,000,000 | 51,000,000 | 60,000,000 | 43,000,000 | 76,000,000 | 63,000,000 | 55,000,000 | 47,000,000 | 48,000,000 | 52,000,000 | 40,000,000 | 36,000,000 | 46,000,000 | 38,000,000 | 35,000,000 | 33,000,000 | 38,000,000 | 27,000,000 | 36,000,000 | 36,000,000 | 47,000,000 | 33,000,000 | 31,000,000 | 31,000,000 | 31,969,000 | 28,505,000 | 28,224,000 | 25,302,000 | 22,581,000 | 22,477,000 | 18,951,000 | 27,650,000 | 20,635,000 | 17,726,000 | 15,801,000 | 15,464,000 | 13,141,000 | 13,766,000 | 12,682,000 | 14,337,000 |
systems development and programming | 18,000,000 | 17,000,000 | 20,000,000 | 16,000,000 | 17,000,000 | 17,000,000 | 18,000,000 | 16,000,000 | 15,000,000 | 17,000,000 | 17,000,000 | 19,000,000 | 18,000,000 | 20,000,000 | 16,000,000 | 14,000,000 | 12,000,000 | 11,000,000 | 13,000,000 | 13,000,000 | 9,000,000 | 9,000,000 | 9,000,000 | 9,000,000 | 9,000,000 | 13,000,000 | 12,000,000 | 13,000,000 | 12,000,000 | 11,000,000 | 13,000,000 | 11,363,000 | 11,182,000 | 11,415,000 | 11,040,000 | ||||||||||||
depreciation and amortization of intangible assets | 16,000,000 | 17,000,000 | 17,000,000 | 19,000,000 | 19,000,000 | 19,000,000 | 18,000,000 | 19,000,000 | 17,000,000 | 18,000,000 | 18,000,000 | 18,000,000 | 17,000,000 | 16,000,000 | 13,000,000 | 12,000,000 | 11,000,000 | 19,000,000 | 12,000,000 | 12,000,000 | 11,000,000 | 13,000,000 | 11,000,000 | 12,000,000 | 11,000,000 | 12,000,000 | 11,000,000 | ||||||||||||||||||||
interest expense, bank fees and other | 13,000,000 | 15,000,000 | 14,000,000 | 109,000,000 | -15,000,000 | -16,000,000 | -16,000,000 | -17,000,000 | -10,000,000 | -6,000,000 | -7,000,000 | -6,000,000 | -22,000,000 | -5,000,000 | -5,000,000 | -5,000,000 | -5,000,000 | -5,000,000 | -5,000,000 | -5,000,000 | -8,000,000 | -4,000,000 | -4,000,000 | -4,000,000 | -6,000,000 | -6,000,000 | -5,000,000 | -12,000,000 | -2,000,000 | -4,000,000 | -4,000,000 | ||||||||||||||||
total costs and operating expenses | 1,182,000,000 | 1,187,000,000 | 1,177,000,000 | 866,500,000 | 1,179,000,000 | 1,146,000,000 | 1,142,000,000 | 1,158,000,000 | 1,106,000,000 | 1,112,000,000 | 1,077,000,000 | 1,170,000,000 | 1,121,000,000 | 1,081,000,000 | 1,014,000,000 | 1,141,000,000 | 1,043,000,000 | 979,000,000 | 922,000,000 | 1,033,000,000 | 930,000,000 | 775,000,000 | 928,000,000 | 955,000,000 | 901,000,000 | 880,000,000 | 852,000,000 | 875,000,000 | 813,000,000 | 774,000,000 | 790,000,000 | 799,637,000 | 756,534,000 | 743,706,000 | 758,123,000 | 768,354,000 | 741,485,000 | 719,479,000 | 707,037,000 | 696,086,000 | 656,326,000 | 634,022,000 | 594,537,000 | 583,423,000 | 534,705,000 | 504,977,000 | 483,635,000 |
income before tax | 50,000,000 | 51,000,000 | 115,000,000 | ||||||||||||||||||||||||||||||||||||||||||||
income taxes | 16,000,000 | 14,000,000 | 30,000,000 | -14,000,000 | 13,000,000 | 21,000,000 | 33,000,000 | 18,000,000 | 30,000,000 | 28,000,000 | 49,000,000 | 16,000,000 | 26,000,000 | 31,000,000 | 54,000,000 | 17,000,000 | 26,000,000 | 26,000,000 | 34,000,000 | 4,000,000 | 6,000,000 | 45,000,000 | 30,000,000 | ||||||||||||||||||||||||
net income | 34,000,000 | 37,000,000 | 85,000,000 | -23,000,000 | 45,000,000 | 60,000,000 | 91,000,000 | 67,000,000 | 94,000,000 | 83,000,000 | 131,000,000 | 48,000,000 | 77,000,000 | 85,000,000 | 146,000,000 | 69,000,000 | 77,000,000 | 91,000,000 | 101,000,000 | 22,000,000 | 33,000,000 | 126,000,000 | 91,000,000 | 48,000,000 | 55,000,000 | 46,000,000 | 63,000,000 | 29,000,000 | 51,000,000 | 58,000,000 | 54,000,000 | 66,476,000 | 42,836,000 | 39,951,000 | 28,737,000 | 22,966,000 | 14,581,000 | 12,282,000 | 11,577,000 | 14,095,000 | 3,097,000 | 15,811,000 | 7,011,000 | 725,000 | 6,221,000 | 1,540,000 | |
yoy | -24.44% | -38.33% | -6.59% | -134.33% | -52.13% | -27.71% | -30.53% | 39.58% | 22.08% | -2.35% | -10.27% | -30.43% | 0.00% | -6.59% | 44.55% | 213.64% | 133.33% | -27.78% | 10.99% | -54.17% | -40.00% | 173.91% | 44.44% | 65.52% | 7.84% | -20.69% | 16.67% | -56.38% | 19.06% | 45.18% | 87.91% | 189.45% | 193.78% | 225.28% | 148.22% | 62.94% | 370.81% | -26.78% | 101.04% | 327.17% | 926.69% | ||||||
qoq | -8.11% | -56.47% | -469.57% | -151.11% | -25.00% | -34.07% | 35.82% | -28.72% | 13.25% | -36.64% | 172.92% | -37.66% | -9.41% | -41.78% | 111.59% | -10.39% | -15.38% | -9.90% | 359.09% | -33.33% | -73.81% | 38.46% | 89.58% | -12.73% | 19.57% | -26.98% | 117.24% | -43.14% | -12.07% | 7.41% | -18.77% | 55.19% | 7.22% | 39.02% | 25.13% | 57.51% | 18.72% | 6.09% | -17.86% | 355.12% | 125.52% | 867.03% | -88.35% | 303.96% | |||
net income margin % | |||||||||||||||||||||||||||||||||||||||||||||||
other comprehensive income, net of income taxes | 1,000,000 | 2,000,000 | -5,000,000 | 7,000,000 | -3,000,000 | 6,000,000 | -2,000,000 | 3,000,000 | -2,000,000 | -2,000,000 | -1,000,000 | 3,000,000 | 2,000,000 | ||||||||||||||||||||||||||||||||||
comprehensive income | 34,000,000 | 38,000,000 | 87,000,000 | -28,000,000 | 52,000,000 | 60,000,000 | 88,000,000 | 73,000,000 | 92,000,000 | 79,000,000 | 134,000,000 | 48,000,000 | 84,000,000 | 82,000,000 | 138,000,000 | 67,000,000 | 75,000,000 | 91,000,000 | 100,000,000 | 22,000,000 | 33,000,000 | 129,000,000 | 93,000,000 | 47,000,000 | 55,000,000 | 47,000,000 | 63,000,000 | 29,000,000 | 51,000,000 | 58,000,000 | 54,000,000 | 66,245,000 | 42,987,000 | 40,019,000 | 28,749,000 | ||||||||||||
net income per share | |||||||||||||||||||||||||||||||||||||||||||||||
basic | 0.7 | 0.77 | 1.72 | -0.44 | 0.9 | 1.21 | 1.8 | 1.38 | 1.65 | 1.4 | 2.18 | 0.81 | 1.23 | 1.36 | 2.23 | 1.05 | 1.17 | 1.38 | 1.53 | 0.34 | 0.49 | 1.88 | 1.32 | 0.69 | 0.8 | 0.65 | 0.91 | 0.4 | 0.73 | 0.82 | 0.77 | 0.95 | 0.62 | 0.58 | 0.42 | 0.33 | 0.21 | 0.17 | 0.16 | 0.2 | 0.04 | 0.23 | 0.11 | 0.01 | 0.09 | 0.03 | |
diluted | 0.7 | 0.77 | 1.71 | -0.44 | 0.89 | 1.2 | 1.78 | 1.36 | 1.63 | 1.38 | 2.17 | 0.8 | 1.22 | 1.35 | 2.21 | 1.04 | 1.16 | 1.37 | 1.51 | 0.33 | 0.48 | 1.87 | 1.31 | 0.68 | 0.78 | 0.64 | 0.89 | 0.4 | 0.71 | 0.8 | 0.75 | 0.92 | 0.6 | 0.56 | 0.41 | 0.32 | 0.2 | 0.17 | 0.16 | 0.2 | 0.04 | 0.22 | 0.09 | 0.01 | 0.09 | 0.03 | |
weighted-average shares: | |||||||||||||||||||||||||||||||||||||||||||||||
basic | 48 | 48 | 49 | 50 | 50 | 50 | 51 | 57 | 57 | 60 | 60 | 63 | 62 | 62 | 65 | 66 | 66 | 66 | 66 | 67 | 67 | 67 | 68 | 70 | 69,612,362 | 69,703,792 | 69,909,984 | 70,385,639 | 70,556,877 | 70,448,809 | 70,047,752 | 69,175,377 | 69,498,218 | 69,029,749 | 68,509,328 | 70,159,696 | 70,187,989 | 70,728,934 | 70,521,066 | 70,228,159 | 70,237,737 | 70,305,185 | 70,198,184 | 56,160,539 | 69,134,908 | 69,053,403 | 16,775,513 |
diluted | 48 | 49 | 49 | 50 | 50 | 51 | 51 | 57 | 58 | 60 | 60 | 64 | 63 | 63 | 66 | 67 | 67 | 67 | 67 | 68 | 68 | 68 | 69 | 71 | 70,972,874 | 71,074,751 | 71,247,427 | 72,300,663 | 72,599,944 | 72,561,891 | 72,274,821 | 71,385,280 | 71,499,591 | 71,167,177 | 70,913,970 | 71,972,486 | 71,964,603 | 72,319,992 | 71,745,753 | 72,618,069 | 72,087,917 | 70,305,185 | 73,350,219 | 59,566,773 | 72,954,352 | 72,658,822 | 19,397,777 |
operating income | 65,250,000 | 58,000,000 | 80,000,000 | 122,000,000 | 87,000,000 | 116,000,000 | 97,000,000 | 169,000,000 | 56,000,000 | 120,000,000 | 119,000,000 | 204,000,000 | 91,000,000 | 105,000,000 | 121,000,000 | 138,000,000 | 30,000,000 | 45,000,000 | 173,000,000 | 120,000,000 | 63,000,000 | 68,000,000 | 55,000,000 | 82,000,000 | 42,000,000 | 62,000,000 | 76,000,000 | 71,000,000 | 47,919,000 | 62,759,000 | 56,835,000 | 49,487,000 | 42,717,000 | 28,972,000 | 26,367,000 | 25,902,000 | 29,609,000 | 11,682,000 | 5,985,000 | 31,041,000 | 20,239,000 | 21,246,000 | 20,029,000 | 25,277,000 | |||
yoy | -25.00% | -50.00% | -17.53% | -27.81% | 55.36% | -3.33% | -18.49% | -17.16% | -38.46% | 14.29% | -1.65% | 47.83% | 203.33% | 133.33% | -30.06% | 15.00% | -52.38% | -33.82% | 214.55% | 46.34% | 50.00% | 9.68% | -27.63% | 15.49% | -12.35% | -1.21% | 33.72% | 43.47% | 12.18% | 116.62% | 115.55% | 91.05% | 44.27% | 148.01% | 340.55% | -16.56% | 46.30% | -45.02% | -70.12% | 22.80% | |||||||
qoq | 12.50% | -27.50% | -34.43% | 40.23% | -25.00% | 19.59% | -42.60% | 201.79% | -53.33% | 0.84% | -41.67% | 124.18% | -13.33% | -13.22% | -12.32% | 360.00% | -33.33% | -73.99% | 44.17% | 90.48% | -7.35% | 23.64% | -32.93% | 95.24% | -32.26% | -18.42% | 7.04% | 48.17% | -23.65% | 10.42% | 14.85% | 15.85% | 47.44% | 9.88% | 1.80% | -12.52% | 153.46% | 95.19% | -80.72% | 53.37% | -4.74% | 6.08% | -20.76% | ||||
operating margin % | |||||||||||||||||||||||||||||||||||||||||||||||
other income: | |||||||||||||||||||||||||||||||||||||||||||||||
income before benefit from income taxes | 65,750,000 | 58,000,000 | 81,000,000 | 124,000,000 | 85,000,000 | 124,000,000 | 111,000,000 | 180,000,000 | 64,000,000 | 103,000,000 | 116,000,000 | 200,000,000 | 86,000,000 | 103,000,000 | 117,000,000 | 135,000,000 | 26,000,000 | 39,000,000 | 171,000,000 | 121,000,000 | 64,000,000 | 67,000,000 | 56,000,000 | 83,000,000 | 42,000,000 | 60,000,000 | 72,000,000 | 67,000,000 | 44,757,000 | 58,104,000 | 52,249,000 | 44,890,000 | 38,454,000 | 23,688,000 | 21,492,000 | 20,818,000 | 25,082,000 | 7,352,000 | 1,289,000 | 26,287,000 | 15,441,000 | 2,963,000 | 11,144,000 | 3,528,000 | |||
other comprehensive loss, net of income taxes | -4,000,000 | -3,000,000 | -8,000,000 | ||||||||||||||||||||||||||||||||||||||||||||
other comprehensive income/(loss), net of income taxes | -1,000,000 | 7,000,000 | |||||||||||||||||||||||||||||||||||||||||||||
income tax expense | 10,500,000 | 12,000,000 | 10,000,000 | 20,000,000 | 13,000,000 | 9,000,000 | 14,000,000 | 13,000,000 | -21,719,000 | 15,268,000 | 12,298,000 | 16,153,000 | |||||||||||||||||||||||||||||||||||
other comprehensive income, net of tax | 250,000 | 1,000,000 | 57,750 | 151,000 | 68,000 | 12,000 | |||||||||||||||||||||||||||||||||||||||||
depreciation | 6,500,000 | 10,000,000 | 8,000,000 | 8,000,000 | 7,647,000 | 7,754,000 | 6,451,000 | 6,148,000 | 5,688,000 | 5,188,000 | 4,559,000 | 3,916,000 | 3,851,000 | 4,132,000 | 3,195,000 | 3,434,000 | 4,118,000 | 3,265,000 | 3,242,000 | 3,218,000 | |||||||||||||||||||||||||||
amortization of intangible assets | 1,000,000 | 1,000,000 | 2,000,000 | 1,000,000 | 1,034,000 | 1,300,000 | 1,316,000 | 1,350,000 | 1,350,000 | 4,662,000 | 5,005,000 | 4,980,000 | 7,062,000 | 10,459,000 | 10,608,000 | 11,217,000 | 12,743,000 | 12,743,000 | 13,267,000 | 13,549,000 | |||||||||||||||||||||||||||
interest expense and bank fees | -4,970,000 | -5,425,000 | -4,857,000 | -4,748,000 | -4,580,000 | -5,597,000 | -5,038,000 | -5,042,000 | -4,796,000 | -4,685,000 | |||||||||||||||||||||||||||||||||||||
other | 1,808,000 | 770,000 | 271,000 | 151,000 | 317,000 | 313,000 | 163,000 | -42,000 | 269,000 | 355,000 | 68,000 | 450,000 | 221,000 | 179,000 | 103,000 | ||||||||||||||||||||||||||||||||
costs and operating expenses: | |||||||||||||||||||||||||||||||||||||||||||||||
systems development and programming costs | 5,242,500 | 8,124,000 | 6,457,000 | 6,389,000 | 5,709,000 | 6,991,000 | 7,633,000 | 7,225,000 | 6,866,000 | 6,776,000 | 6,565,000 | 5,894,000 | |||||||||||||||||||||||||||||||||||
benefit from income taxes | 6,889,500 | 9,107,000 | 9,210,000 | 9,241,000 | 10,987,000 | 4,255,000 | 2,597,000 | 10,476,000 | 8,430,000 | 2,238,000 | 4,923,000 | 1,988,000 |
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