Revenue: As of FY2025 Q2, the actual value is USD 393.82 M.

EPS: As of FY2025 Q2, the actual value is USD 1.51.

EBIT: As of FY2025 Q2, the actual value is USD 40.15 M.

Credit as a Service (CaaS) Segment

• Revenue and Other Income: For the three months ended June 30, 2025, revenue was $384.5 million, compared to $305.2 million for the same period in 2024. For the six months ended June 30, 2025, revenue was $720.0 million, compared to $585.0 million in 2024.
• Net Margin: For the three months ended June 30, 2025, net margin was $114.4 million, compared to $81.8 million for the same period in 2024. For the six months ended June 30, 2025, net margin was $224.5 million, compared to $168.3 million in 2024.
• Operating Expenses: Total operating expenses for the three months ended June 30, 2025, were $76.4 million, compared to $55.6 million for the same period in 2024. For the six months ended June 30, 2025, operating expenses were $148.1 million, compared to $110.3 million in 2024.
• Income Before Income Taxes: For the three months ended June 30, 2025, income before income taxes was $38.0 million, compared to $26.2 million for the same period in 2024. For the six months ended June 30, 2025, income before income taxes was $76.4 million, compared to $58.0 million in 2024.

Auto Finance Segment

• Revenue and Other Income: For the three months ended June 30, 2025, revenue was $9.3 million, compared to $10.6 million for the same period in 2024. For the six months ended June 30, 2025, revenue was $18.7 million, compared to $21.7 million in 2024.
• Net Margin: For the three months ended June 30, 2025, net margin was $8.0 million, compared to $8.3 million for the same period in 2024. For the six months ended June 30, 2025, net margin was $16.0 million, compared to $15.3 million in 2024.
• Operating Expenses: Total operating expenses for the three months ended June 30, 2025, were $5.8 million, compared to $5.9 million for the same period in 2024. For the six months ended June 30, 2025, operating expenses were $11.4 million, compared to $11.9 million in 2024.
• Income Before Income Taxes: For the three months ended June 30, 2025, income before income taxes was $2.2 million, compared to $2.4 million for the same period in 2024. For the six months ended June 30, 2025, income before income taxes was $4.6 million, compared to $3.4 million in 2024.

Outlook

• The company expects continued growth in private label credit and general purpose credit card receivables, with a focus on expanding retail partnerships and increasing marketing efforts for general purpose credit cards. The company anticipates additional debt financing over the next few quarters to support this growth, with higher effective interest rates on new debt compared to maturing debt.