I’m sorry, but the excerpt you provided only includes the Company’s net‑income figures ( $6.9 million, $0.96 per share ) for the quarter ended June 30 2025 and a comparison to the prior quarter. It does not contain any data on operating margins, expense ratios, or how those metrics changed year‑over‑year.
If you can share the portion of the release that discusses operating‑margin or expense‑ratio figures, I’ll be happy to analyze the year‑over‑year changes for you.
Other Questions About This News
How does the company's valuation (P/E, EV/EBITDA) now compare to peers in the financial services sector?
What is the market’s reaction (price movement, volume) since the release and what are the implied expectations?
What were the key drivers behind the increase in net income from the prior quarter?
Did the company provide any revenue guidance or outlook for the next quarter and FY 2025?
Are there any notable changes in loan portfolio composition or credit quality metrics?
Did the company announce any share buybacks, dividend changes, or capital allocation plans?
Does the company disclose any upcoming regulatory or macro‑economic risks that could affect future earnings?
How does the reported net income and EPS compare to consensus analyst estimates for this quarter?
What is the current cash position and any debt changes disclosed in the release?