Financial Performance - Net income increased by $67 million, representing an 873% YoY increase [13] - Total revenue reached a record of $1655 million, a 131% YoY growth [13] - The operating expense ratio improved to a historic best of 128%, a 110 bps YoY improvement [8, 13] - Diluted earnings per share increased by 868% YoY, reaching $142 [9, 12] - Return on equity (ROE) increased by 690 bps YoY to 156%, and return on assets (ROA) increased by 120 bps YoY to 29% [9, 12] Portfolio Growth and Origination - Ending net finance receivables (ENR) achieved a milestone of $21 billion, with a sequential growth of $93 million and a YoY increase of $233 million [8] - Origination volume increased by $96 million, a 225% YoY increase, reaching $522 million [8] - The auto-secured portfolio grew by $80 million, a 406% YoY increase, reaching $275 million [8] - New branches opened since 3Q 24 contributed $524 million, or 224%, to the $2333 million YoY portfolio growth [22] Credit Quality - The 30+ days past due (DQ) percentage improved by 30 bps YoY after adjusting for the 3Q 24 hurricane impact, reaching 70% [8] - The net credit loss rate improved by 40 bps YoY, reaching 102% [8] - Allowance for credit losses increased by $92 million due to portfolio growth, with the allowance for credit loss rate remaining consistent sequentially at 103% [36] Funding and Capital Management - Fixed-rate debt represented 76% of total debt, with a weighted-average coupon (WAC) of 46% [9] - Unused capacity stood at $400 million, providing substantial bandwidth to fund growth [9] - Capital returned to stockholders YTD totaled $26 million, and stockholders' equity increased by $15 million YTD [9]