Revenue: As of FY2025 Q1, the actual value is USD 344.87 M.

EPS: As of FY2025 Q1, the actual value is USD 1.49.

EBIT: As of FY2025 Q1, the actual value is USD 40.87 M.

Credit as a Service (CaaS) Segment

• Revenue and Other Income: $335.5 million for the three months ended March 31, 2025, compared to $279.6 million for the same period in 2024.
• Net Margin: $110.2 million for the three months ended March 31, 2025, compared to $86.5 million for the same period in 2024.
• Operating Expenses: $71.8 million for the three months ended March 31, 2025, compared to $54.7 million for the same period in 2024.
• Income Before Income Taxes: $38.4 million for the three months ended March 31, 2025, compared to $31.8 million for the same period in 2024.

Auto Finance Segment

• Revenue and Other Income: $9.4 million for the three months ended March 31, 2025, compared to $10.5 million for the same period in 2024.
• Net Margin: $8.0 million for the three months ended March 31, 2025, compared to $7.1 million for the same period in 2024.
• Operating Expenses: $5.6 million for the three months ended March 31, 2025, compared to $6.0 million for the same period in 2024.
• Income Before Income Taxes: $2.5 million for the three months ended March 31, 2025, compared to $1.0 million for the same period in 2024.

Cash Flow

• Net Cash Provided by Operating Activities: $131.6 million for the three months ended March 31, 2025, compared to $118.8 million for the same period in 2024.
• Net Cash Used in Investing Activities: - $114.9 million for the three months ended March 31, 2025, compared to - $67.5 million for the same period in 2024.
• Net Cash Used in Financing Activities: - $54.9 million for the three months ended March 31, 2025, compared to $47.5 million provided by financing activities for the same period in 2024.

Future Outlook and Strategy

• Core Business Focus: The company plans to continue expanding its private label credit and general purpose credit card receivables, with expectations of continued growth in the coming quarters.
• Non-Core Business: The company is exploring various opportunities to grow its business, including acquisitions and investments in portfolios and other assets, as well as the sale of portfolios and portions of its business.
• Priority: The company aims to manage costs effectively while focusing on obtaining the necessary funding to meet capital needs required by the growth of its receivables.