Hal Goach

“My question is, I'm looking at the change in the customer quality, the age of the cars. It was a nice table you have on your note. Is that the key insight here is that these banks need to offer more loans.”

“You mentioned prepaid is going to be choppy through late 2026. And are you facing basically tough comparisons or, you know, what is the cause maybe of what you would think maybe is a very consistent business, it's very choppy this year, even, you know, Q1 or Q2 growth is much better than Q1.”

“Hey, thanks, guys, and congratulations on a great quarter and start to the first half of the year. Back to the auto, you mentioned the 83% of loans close at the dealer desk, and you're making more competitive offers at that point of sale, essentially, at the dealer channel.”

“Now, you know, the deposit growth in the bank loan growth has been, like, flat like you expected in most of the asset growth within the factoring business. But on the core banking side, you know, the interest rate on your average loan was up, you know, almost 80 or 90 basis points sequentially.”

“Actually, the growth rate is, you know, pro forma going forward looks a little faster than I would have thought. And maybe you could just give a couple points on why the range is in that 8% to 10% range.”