Strong Revenue GrowthSustained, multi-year revenue growth nearly tripling between 2022 and 2025 indicates durable expansion of lending volumes and customer reach. This scale growth supports net interest income, diversification of fee streams and provides a structural base to absorb credit costs or invest in distribution over the next 2-6 months.
Healthy Operating MarginsConsistently high gross and operating margins reflect efficient cost control, underwriting discipline and pricing power in core housing products. Margin durability supports internal cash generation potential, funds loan loss provisioning and enables reinvestment into origination channels even if funding costs rise moderately.
Rising Shareholder EquityMaterial increase in equity strengthens the capital base, improving regulatory buffers and supporting continued asset growth. A larger equity cushion enhances loss-absorption capacity, reduces risk of capital shortfalls during stress, and gives management room to expand lending while meeting prudential norms.