🔹 EPS: $0.37 (Est. $0.30) 🟢; UP +185% YoY
🔹 Revenue: $266.2M (Est. $256.3M) 🟢; UP +32% YoY
🔹 Pre-Tax Income: $57M; Record high; ROE 12.4%, ROTCE 13.2%
🔹 Loan Originations: $2.6B; UP +37% YoY
🔹 Net Income: $44.3M; UP +206% YoY
🔹 NIM: 6.18% (vs. 5.63% LY)
🔹 Efficiency Ratio: 61% (vs. 68% LY)
🔹 BlackRock MOU: Up to $1B marketplace investment through 2026
Guidance (Q4’25)
🔹 Originations: $2.5B – $2.6B
🔹 PPNR: $90M – $100M
🔹 ROTCE: 10% – 11.5%
🔸 CEO: “We delivered 37% origination growth and nearly tripled EPS.”