Consumer Portfolio | 8-K: FY2025 Q3 Revenue: USD 108.42 M

Revenue: As of FY2025 Q3, the actual value is USD 108.42 M.

EPS: As of FY2025 Q3, the actual value is USD 0.2, missing the estimate of USD 0.25.

EBIT: As of FY2025 Q3, the actual value is USD -41.04 M.

Segment Revenue

• Revenues for the third quarter of 2025 were $108.4 million, an increase of 7.8% compared to $100.6 million for the third quarter of 2024.

Operational Metrics

• Net income for the third quarter of 2025 was $4.9 million, compared to $4.8 million in the third quarter of 2024.
• Total operating expenses for the third quarter of 2025 were $101.4 million, compared to $93.7 million for the 2024 period.
• Pretax income for the third quarter of 2025 increased to $7.0 million from $6.9 million in the third quarter of 2024.
• For the nine months ended September 30, 2025, total revenues were $325.1 million, an increase of 12.8% compared to $288.2 million for the nine months ended September 30, 2024.
• Total operating expenses for the nine months ended September 30, 2025, were $304.3 million, compared to $268.1 million for the nine months ended September 30, 2024.
• Net income for the nine months ended September 30, 2025, increased to $14.3 million from $14.1 million for the nine months ended September 30, 2024.

Cash Flow

• The report does not provide specific figures for operating cash flow or free cash flow.

Unique Metrics

• New contract purchases for the third quarter of 2025 were $391.1 million.
• The Company’s receivables totaled $3.760 billion as of September 30, 2025, an increase from $3.708 billion as of June 30, 2025, and from $3.330 billion as of September 30, 2024.
• Annualized net charge-offs for the third quarter of 2025 were 8.01% of the average portfolio, compared to 7.32% for the third quarter of 2024.

Outlook / Guidance

• The company anticipates continued strong loan origination volumes, which are expected to drive top-line revenue growth while operational efficiencies are achieved.