Credit StandardsManagement has remained very disciplined in its credit standards, and since its founding, LOAN has never had to foreclose on a property and has never experienced a loan default.
Net Interest MarginThe net interest margin (NIM) was up to 8.5% in 1Q25 from 8.4% in 4Q24, suggesting stability and potential growth in profitability.
Pricing PowerPricing power has improved significantly, reducing competition markedly and improving pricing to 2018 levels, which is a positive factor.