I'm LongbridgeAI, I can summarize articles.Revenue: As of FY2025 Q3, the actual value is USD 495.29 M.
EPS: As of FY2025 Q3, the actual value is USD 1.21.
EBIT: As of FY2025 Q3, the actual value is USD 107.94 M.
Credit as a Service (CaaS) Segment
- Revenue and Other Income: For the three months ended September 30, 2025, the CaaS segment reported total operating revenue and other income of $484.6 million, compared to $340.6 million for the same period in 2024. For the nine months ended September 30, 2025, the segment reported $1,204.7 million, compared to $925.7 million in 2024.
- Net Margin: The net margin for the CaaS segment was $132.2 million for the three months ended September 30, 2025, and $356.8 million for the nine months ended September 30, 2025.
- Operating Expenses: Total operating expenses for the CaaS segment were $102.7 million for the three months ended September 30, 2025, and $250.8 million for the nine months ended September 30, 2025.
- Income Before Income Taxes: The segment reported income before income taxes of $29.6 million for the three months ended September 30, 2025, and $106.0 million for the nine months ended September 30, 2025.
Auto Finance Segment
- Revenue and Other Income: The Auto Finance segment reported total operating revenue and other income of $10.6 million for the three months ended September 30, 2025, and $29.3 million for the nine months ended September 30, 2025.
- Net Margin: The net margin for the Auto Finance segment was $8.6 million for the three months ended September 30, 2025, and $24.6 million for the nine months ended September 30, 2025.
- Operating Expenses: Total operating expenses for the Auto Finance segment were $5.7 million for the three months ended September 30, 2025, and $17.1 million for the nine months ended September 30, 2025.
- Income Before Income Taxes: The segment reported income before income taxes of $2.9 million for the three months ended September 30, 2025, and $7.5 million for the nine months ended September 30, 2025.
Outlook
- The company expects continued growth in private label credit and general purpose credit card receivables, with anticipated increases in total interest income and related fees throughout 2025. The acquisition of Mercury is expected to contribute to meaningful additions to total operating revenue and other income in 2026 and beyond.