Earnings Supplement Q4 and Full Year 2025 Fourth Quarter and Full Year 2025 Financial Highlights Q4 2025 Q4 2024 Revenue $19.3 million $(56.9) million Adj. EBITDA1 $2.8 million $(75.9) million Total Certs 19,308 26,065 2025 2024 Revenue $93.2 million $24.0 million Adj. EBITDA1 $15.6 million $(55.0) million Total Certs 97,348 110,652 Quarterly Results Annual Results (1) See reconciliation of GAAP to non-GAAP financial measures on slide 9. 2 Loan Origination Performance by Quarter & Channel 21,078 22,038 21,8 ...

Financial Performance - Revenue decreased from $26.7 million in Q2 2024 to $25.3 million in Q2 2025[3] - Adjusted EBITDA decreased from $6.8 million in Q2 2024 to $4.1 million in Q2 2025[3] - Adjusted EBITDA margin decreased from 25% to 16%[22] - Net income decreased from $2.902 million in Q2 2024 to $1.034 million in Q2 2025[21] Loan Origination - Total certs decreased from 28,963 in Q2 2024 to 26,522 in Q2 2025[3] - Facilitated loan origination volume decreased from $819.3 million in Q2 2024 to $783.3 million in Q2 2025[18, 20] - Average loan size increased from $28,286 in Q2 2024 to $29,535 in Q2 2025[18, 20] Channel and Vehicle Mix - OEM certs decreased from 23.9% of total in Q2 2024 to 11.1% in Q2 2025[6, 10] - CU/Bank certs increased from 76.1% of total in Q2 2024 to 88.9% in Q2 2025[6] - New vehicle certs as a percentage of total increased slightly from 12.7% to 13.1%[10, 20] - Used vehicle certs accounted for 86.9% of total certs in Q2 2025[10, 20]