Overview Financials News + Filings Key Docs Charts Ownership Insiders
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| In millions, except per share items | Apr-30-23 | Oct-31-22 | Jul-31-22 | Apr-30-22 | Jan-31-22 | Oct-31-21 | Jul-31-21 | Apr-30-21 |
| | 10-Q | 10-Q | 10-Q | 10-Q | 10-K | 10-Q | 10-Q | 10-Q |
| Revenues: |
| Retail | 224.0 | 254.6 | 279.8 | 272.5 | 333.0 | 334.8 | 347.0 | 291.5 |
| Product | 203.5 | 233.2 | 255.4 | 250.0 | | 308.3 | 320.2 | 269.2 |
| Credit | 61.8 | 66.6 | 66.8 | 67.3 | 69.5 | 70.6 | 71.4 | 72.2 |
| RSA Commission | 16.9 | 18.8 | 21.6 | 19.8 | | 23.8 | 23.7 | 19.1 |
| Total revenues [+] | 284.6 | 321.2 | 346.6 | 339.8 | 402.5 | 405.5 | 418.4 | 363.7 |
| Other income | 62.0 | 66.8 | 67.1 | 67.6 | 69.8 | 70.9 | 71.6 | 72.4 |
| Revenue growth [+] | -16.3% | -20.8% | -17.1% | -6.6% | 9.4% | 21.3% | 49.6% | 57.9% |
| Retail | -17.8% | -24.0% | -19.4% | -6.5% | 13.0% | 28.8% | 24.0% | 26.4% |
| Product | -18.6% | -24.4% | -20.2% | -7.1% | | | 25.0% | 29.9% |
| Credit | -8.2% | -5.7% | -6.3% | -6.8% | -4.9% | -4.9% | -17.9% | -16.6% |
| RSA Commission | -14.8% | -20.9% | -8.8% | 3.7% | | | 17.5% | -4.8% |
| Cost of goods sold | 147.9 | 169.8 | 182.7 | 178.4 | 213.8 | 211.3 | 216.0 | 184.9 |
| Gross profit | 136.6 | 151.4 | 163.9 | 161.4 | 188.7 | 194.2 | 202.3 | 178.8 |
| Gross margin | 48.0% | 47.1% | 47.3% | 47.5% | 46.9% | 47.9% | 48.4% | 49.2% |
| Selling, general and administrative [+] | 129.2 | 126.2 | 130.1 | 132.8 | 142.5 | 138.1 | 137.9 | 126.0 |
| General and administrative | | | | | 142.5 | | | |
| Other operating expenses | 25.8 | 35.1 | 27.2 | 14.7 | 28.5 | 26.5 | 10.3 | -17.1 |
| EBITDA [+] | -6.3 | 1.6 | 17.9 | 25.4 | 74.4 | 40.9 | 65.7 | 81.3 |
| EBITDA growth | -124.9% | -96.1% | -72.8% | -68.8% | 83.3% | 18.0% | 23.8% | -261.3% |
| EBITDA margin | -2.2% | 0.5% | 5.2% | 7.5% | 18.5% | 10.1% | 15.7% | 22.3% |
| Depreciation and amortization | 12.1 | 11.6 | 11.4 | 11.4 | 56.7 | 11.4 | 11.5 | 11.3 |
| EBIT [+] | -18.4 | -10.0 | 6.5 | 13.9 | 17.7 | 29.5 | 54.2 | 69.9 |
| EBIT growth | -232.2% | -133.8% | -87.9% | -80.1% | -41.0% | 22.5% | 26.2% | -216.2% |
| EBIT margin | -6.5% | -3.1% | 1.9% | 4.1% | 4.4% | 7.3% | 13.0% | 19.2% |
| Non-recurring items [+] | 2.3 | 8.0 | -1.5 | | 2.7 | | | |
| Asset impairment | 3.1 | | | | | | | |
| Unusual expense | -0.8 | 8.0 | -1.5 | | | | | |
| Interest expense | 16.4 | 11.5 | 6.8 | 5.5 | 5.3 | 5.2 | 6.1 | 9.2 |
| Interest expense | 16.4 | 11.5 | 6.8 | 5.5 | 5.3 | 5.2 | 6.1 | 9.2 |
| Other income (expense), net [+] | | | | | | | | -1.2 |
| Gain (loss) on debt retirement | | | | | | | | -1.2 |
| Pre-tax income | -37.1 | -29.5 | 1.2 | 8.4 | 9.8 | 24.3 | 48.1 | 59.5 |
| Income taxes | -1.7 | -4.6 | -0.9 | 2.2 | 2.2 | 6.1 | 11.1 | 14.1 |
| Tax rate | 4.6% | 15.7% | | 26.0% | 22.6% | 25.1% | 23.1% | 23.7% |
| Net income | -35.4 | -24.8 | 2.1 | 6.2 | 7.6 | 18.2 | 37.0 | 45.4 |
| Net margin | -12.4% | -7.7% | 0.6% | 1.8% | 1.9% | 4.5% | 8.8% | 12.5% |
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| Basic EPS [+] | ($1.47) | ($1.04) | $0.09 | $0.25 | $0.26 | $0.62 | $1.26 | $1.55 |
| Growth | -684.5% | -268.0% | -92.9% | -83.8% | -70.1% | 143.0% | 78.1% | -179.4% |
| Diluted EPS [+] | ($1.47) | ($1.04) | $0.09 | $0.25 | $0.25 | $0.60 | $1.22 | $1.52 |
| Growth | -696.5% | -272.4% | -92.7% | -83.8% | -70.8% | 139.5% | 73.9% | -177.9% |
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| Shares outstanding (basic) [+] | 24.1 | 23.9 | 23.8 | 24.8 | 29.3 | 29.5 | 29.4 | 29.3 |
| Growth | -2.7% | -18.9% | -19.0% | -15.4% | 0.7% | 1.2% | 1.3% | 1.7% |
| Shares outstanding (diluted) [+] | 24.1 | 23.9 | 23.9 | 25.3 | 30.0 | 30.3 | 30.2 | 29.9 |
| Growth | -4.7% | -21.0% | -20.8% | -15.3% | 3.2% | 2.6% | 3.7% | 3.7% |
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| EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges. |
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