### Financial Performance
- Revenue: $131.41 million, down 3.99% YoY, but an increase of 1.45% QoQ.
- Net Income: $22.13 million, an increase of 37.59% YoY and 122.45% QoQ.
- EPS: $4.05, up 45.68% YoY and 126.26% QoQ.
### Profitability Ratios
- Net Profit Margin: 16.8%, up from previous year
- Operating Income: $38.38 million, reflecting an 83.47% increase YoY.
### Funding and Leveraging
- Total Debt: $587.8 million
- Total Liabilities: $631.7 million
- Equity: $417.46 million, reflecting a solid capital position.
Management indicated a positive trajectory in profitability driven by reduced first payment defaults, an increase in higher-quality customer approvals, and improved gross yields of 113 basis points compared to the previous year, laying the groundwork for operational efficiency in future periods.