Accepts deposits from individuals and businesses through various account types. Provides multi-family loans to real estate investors. Now — the numbers.
That much dependence is a risk in itself: if this one line weakens, the whole company feels it directly.
The company closed last year at a loss: costs ran above sales. The picture changes only if spending is reined in.
Average growth of 35% a year over the last 4 years. Red columns mark years that ended in a loss.
At this burn rate the cash pile isn’t the pressing question — for now, time is on the company’s side.
This company is not turning a profit, so the market is pricing its sales instead: 1× for every dollar of annual revenue.
Analysts' average target sits 21% below today's price.
An investor who bought at the very peak is down 75% today. The business is the same; what changed most is the price — and the expectations — the market pins on it.
Over the last 4 years, sales grew about 35% a year on average.
It pays out $0.70 per share each year — regular cash for whoever holds the stock.
A loss of $210M against $4.5B in annual sales. And on top of that, sales fell from the year before.
The stock trades 21% above the average analyst price target.
We don’t have a report card for this stock yet — the data isn’t mature enough to grade. No grade is information too: it means the evidence is thin.
One-line summary: few numbers, an untested story. Keep watching.