Revenue: $91.744 million (YoY +82.25%, QoQ +95.19%). Gross Profit: $51.411 million (YoY +2.13%, QoQ +9.38%). Operating Income: $6.557 million (YoY −64.37%, QoQ +74.81%). Net Income: $4.59 million (YoY −66.79%, QoQ −36.13%). EPS (diluted): $0.19; EPS (basic): $0.22 (YoY −67.65%, QoQ −35.29%). Key drivers include a 11.3% yield on the fair-value portfolio (net losses deducted) and an 8% YoY increase in finance receivables to $2.79B. Portfolio size rose to $3.02B as of 3/31/2024, the highest in CPS history, supported by $346M of new originations and stronger dealer network engagement (large dealer groups up to 22% of business from 17%). Net interest margin: $49.8M (down 1% YoY). Operating expense as a % of average managed portfolio: 6.0% (vs. 5.7% in 1Q23). Free cash flow: $52.6M; Net cash provided by operating activities: $52.7M; Net cash provided by financing: $81.5M; Cash at period end: $150.96M. Balance sheet highlights include total assets of $3.007B, long-term debt of $2.674B, and shareholders’ equity of $279.1M (up ~22% YoY). Key credit metrics show DQ 14.55% (1Q24), annualized net charge-offs 7.84%, and a tight withdrawal of leverage with LTV around 118–119 (versus ~125 previously). Management commentary emphasizes continued growth momentum, resilience to macro shocks, and an emphasis on non-price value levers (service, underwriting accuracy, and AI-enhanced controls).