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Condensed Consolidated Statements Of Operations And Comprehensive Income (Unaudited) (USD $)
In Thousands, except Per Share data, unless otherwise specified |
3 Months Ended | 9 Months Ended | ||
|---|---|---|---|---|
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Oct. 31, 2014
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Oct. 31, 2013
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Oct. 31, 2014
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Oct. 31, 2013
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| Revenue | ||||
| Account fee revenue | $ 11,086 | $ 7,496 | $ 32,022 | $ 21,721 |
| Custodial fee revenue | 6,196 | 4,816 | 17,557 | 13,913 |
| Card fee revenue | 4,317 | 2,853 | 12,848 | 8,929 |
| Other revenue | 263 | 83 | 557 | 291 |
| Total revenue | 21,862 | 15,248 | 62,984 | 44,854 |
| Cost of services | ||||
| Account costs | 7,057 | 4,977 | 20,188 | 14,677 |
| Custodial costs | 1,050 | 858 | 2,994 | 2,737 |
| Card costs | 1,467 | 1,006 | 4,284 | 2,989 |
| Other costs | 56 | 29 | 58 | 71 |
| Total cost of services | 9,630 | 6,870 | 27,524 | 20,474 |
| Gross profit | 12,232 | 8,378 | 35,460 | 24,380 |
| Operating expenses | ||||
| Sales and marketing | 2,275 | 1,876 | 6,829 | 5,458 |
| Technology and development | 2,811 | 1,803 | 7,299 | 5,131 |
| General and administrative | 2,443 | 894 | 5,252 | 2,629 |
| Amortization of acquired intangible assets | 409 | 409 | 1,227 | 1,227 |
| Total operating expenses | 7,938 | 4,982 | 20,607 | 14,445 |
| Income from operations | 4,294 | 3,396 | 14,853 | 9,935 |
| Other expense | ||||
| Loss on revaluation of redeemable convertible preferred stock derivative | 0 | (109) | (735) | (109) |
| Other expense, net | (145) | (29) | (276) | (152) |
| Total other expense | (145) | (138) | (1,011) | (261) |
| Income before income taxes | 4,149 | 3,258 | 13,842 | 9,674 |
| Income tax provision | 1,100 | 1,280 | 5,047 | 3,724 |
| Net income and comprehensive income | 3,049 | 1,978 | 8,795 | 5,950 |
| Comprehensive income | 3,049 | 1,978 | 8,795 | 5,950 |
| Net income attributable to common stockholders: | ||||
| Basic (in dollars) | 3,020 | 607 | 10,245 | 1,717 |
| Diluted (in dollars) | $ 3,036 | $ 1,213 | $ 9,530 | $ 3,520 |
| Net income per share attributable to common stockholders: | ||||
| Basic (in dollars per share) | $ 0.06 | $ 0.11 | $ 0.44 | $ 0.31 |
| Diluted (in dollars per share) | $ 0.05 | $ 0.04 | $ 0.19 | $ 0.12 |
| Weighted-average number of shares used in computing net income per share attributable to common stockholders | ||||
| Basic (in shares) | 53,678 | 5,582 | 23,232 | 5,548 |
| Diluted (in shares) | 57,553 | 28,725 | 50,052 | 28,705 |
| X | ||||||||||
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- Definition
Amortization of Acquired Intangible No definition available.
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| X | ||||||||||
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- Definition
Cost Of Services, Card Costs No definition available.
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| X | ||||||||||
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- Definition
Cost Of Services, Custodial Costs No definition available.
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| X | ||||||||||
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- Definition
Loss On Revaluation Of Warrants No definition available.
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- Details
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| X | ||||||||||
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- Details
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| X | ||||||||||
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- Definition
Amount after tax of increase (decrease) in equity from transactions and other events and circumstances from net income and other comprehensive income, attributable to parent entity. Excludes changes in equity resulting from investments by owners and distributions to owners. Reference 1: http://www.xbrl.org/2003/role/presentationRef
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| X | ||||||||||
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- Definition
Total costs related to services rendered by an entity during the reporting period. Reference 1: http://www.xbrl.org/2003/role/presentationRef
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- Details
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| X | ||||||||||
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- Definition
The amount of net income (loss) for the period per each share of common stock or unit outstanding during the reporting period. Reference 1: http://www.xbrl.org/2003/role/presentationRef
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- Details
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| X | ||||||||||
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- Definition
The amount of net income (loss) for the period available to each share of common stock or common unit outstanding during the reporting period and to each share or unit that would have been outstanding assuming the issuance of common shares or units for all dilutive potential common shares or units outstanding during the reporting period. Reference 1: http://www.xbrl.org/2003/role/presentationRef
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| X | ||||||||||
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- Definition
Amount of income earned from credit card services (including late, over limit, and annual fees) and debit card services (including interchange fees, annual fees and other fees). Excludes interest income earned on credit card balances and transactions. No definition available.
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| X | ||||||||||
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- Definition
The aggregate total of expenses of managing and administering the affairs of an entity, including affiliates of the reporting entity, which are not directly or indirectly associated with the manufacture, sale or creation of a product or product line. Reference 1: http://www.xbrl.org/2003/role/presentationRef
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| X | ||||||||||
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- Definition
Aggregate revenue less cost of goods and services sold or operating expenses directly attributable to the revenue generation activity. Reference 1: http://www.xbrl.org/2003/role/presentationRef
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| X | ||||||||||
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- Definition
This element represents the income or loss from continuing operations attributable to the economic entity which may also be defined as revenue less expenses from ongoing operations, after income or loss from equity method investments, but before income taxes, extraordinary items, and noncontrolling interest. Reference 1: http://www.xbrl.org/2003/role/presentationRef
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| X | ||||||||||
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- Definition
Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations. Reference 1: http://www.xbrl.org/2003/role/presentationRef
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| X | ||||||||||
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- Definition
Amount of revenue from providing investment advisory, asset management and administrative services, including, but not limited to, distribution and shareholder services, accounting, tax, legal, regulatory filing, share registration, and shareholder correspondence activities. No definition available.
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| X | ||||||||||
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- Definition
Revenue earned during the period from periodic fees charged to existing members of an association or club. An example would be the monthly/annual dues paid to a gym or workout facility. This element excludes the initial membership fees received on enrollment or registration. Reference 1: http://www.xbrl.org/2003/role/presentationRef
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| X | ||||||||||
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- Definition
The portion of profit or loss for the period, net of income taxes, which is attributable to the parent. Reference 1: http://www.xbrl.org/2003/role/presentationRef
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| X | ||||||||||
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- Definition
Net income after adjustments for dividends on preferred stock (declared in the period) and/or cumulative preferred stock (accumulated for the period). Reference 1: http://www.xbrl.org/2003/role/presentationRef
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| X | ||||||||||
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- Definition
Net Income or Loss Available to Common Stockholders plus adjustments resulting from the assumption that dilutive convertible securities were converted, options or warrants were exercised, or that other shares were issued upon the satisfaction of certain conditions. Reference 1: http://www.xbrl.org/2003/role/presentationRef
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| X | ||||||||||
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- Definition
Generally recurring costs associated with normal operations except for the portion of these expenses which can be clearly related to production and included in cost of sales or services. Includes selling, general and administrative expense. No definition available.
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| X | ||||||||||
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- Details
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| X | ||||||||||
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- Definition
The net result for the period of deducting operating expenses from operating revenues. No definition available.
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| X | ||||||||||
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- Definition
Other costs incurred and are directly related to services rendered by an entity during the reporting period. Reference 1: http://www.xbrl.org/2003/role/presentationRef
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| X | ||||||||||
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- Details
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| X | ||||||||||
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- Definition
The aggregate amount of other expense amounts, the components of which are not separately disclosed on the income statement, resulting from ancillary business-related activities (that is, excluding major activities considered part of the normal operations of the business) also known as other nonoperating expense recognized during the period. Such amounts may include: (a) unusual costs, (b) loss on foreign exchange transactions, (c) losses on securities (net of profits), and (d) miscellaneous other expense items. Reference 1: http://www.xbrl.org/2003/role/presentationRef
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| X | ||||||||||
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- Definition
The net amount of other income and expense amounts, the components of which are not separately disclosed on the income statement, resulting from ancillary business-related activities (that is, excluding major activities considered part of the normal operations of the business) also known as other nonoperating income (expense) recognized for the period. Such amounts may include: (a) dividends, (b) interest on securities, (c) net gains or losses on securities, (d) unusual costs, (e) gains or losses on foreign exchange transactions, and (f) miscellaneous other income and expense items. Reference 1: http://www.xbrl.org/2003/role/presentationRef
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| X | ||||||||||
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- Definition
Revenues from the sale of other goods or rendering of other services, not elsewhere specified in the taxonomy; net of (reduced by) sales adjustments, returns, allowances, and discounts. Reference 1: http://www.xbrl.org/2003/role/presentationRef
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| X | ||||||||||
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- Definition
The aggregate costs incurred (1) in a planned search or critical investigation aimed at discovery of new knowledge with the hope that such knowledge will be useful in developing a new product or service, a new process or technique, or in bringing about a significant improvement to an existing product or process; or (2) to translate research findings or other knowledge into a plan or design for a new product or process or for a significant improvement to an existing product or process whether intended for sale or the entity's use, during the reporting period charged to research and development projects, including the costs of developing computer software up to the point in time of achieving technological feasibility, and costs allocated in accounting for a business combination to in-process projects deemed to have no alternative future use. Reference 1: http://www.xbrl.org/2003/role/presentationRef
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| X | ||||||||||
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- Definition
Amount of revenue recognized from goods sold, services rendered, insurance premiums, or other activities that constitute an earning process. Includes, but is not limited to, investment and interest income before deduction of interest expense when recognized as a component of revenue, and sales and trading gain (loss). Reference 1: http://www.xbrl.org/2003/role/presentationRef
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| X | ||||||||||
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- Details
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| X | ||||||||||
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- Definition
The aggregate total amount of expenses directly related to the marketing or selling of products or services. No definition available.
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| X | ||||||||||
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- Definition
The aggregate costs related to delivering management services during the reporting period. Reference 1: http://www.xbrl.org/2003/role/presentationRef
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| X | ||||||||||
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- Definition
The average number of shares or units issued and outstanding that are used in calculating diluted EPS or earnings per unit (EPU), determined based on the timing of issuance of shares or units in the period. Reference 1: http://www.xbrl.org/2003/role/presentationRef
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| X | ||||||||||
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- Definition
Number of [basic] shares or units, after adjustment for contingently issuable shares or units and other shares or units not deemed outstanding, determined by relating the portion of time within a reporting period that common shares or units have been outstanding to the total time in that period. Reference 1: http://www.xbrl.org/2003/role/presentationRef
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