Strong Revenue Growth TrajectorySustained 63.5% top-line growth indicates the platform is gaining borrower adoption and scaling originations. That durable growth supports economies of scale, improves unit economics over time, and provides runway to invest in product, underwriting and technology to expand market share.
Very High Gross And Operating MarginsExceptionally high gross and EBIT margins reflect a low-cost, scalable digital lending model and efficient operations. These structural margins provide cash flow cushion through cycles, fund product development and marketing, and enable competitive pricing or reinvestment without immediate capital raises.
Strong Free Cash Flow GenerationRobust free cash flow growth and high operating cash-to-income ratios show the business converts earnings to cash effectively. Durable cash generation supports debt servicing, funds growth initiatives, and reduces reliance on external capital for operations or product investment over the medium term.