Portfolio Current Rate as of November 6, 2026
Total Accounts
1,834
Current Accounts
1,603
Past Due Accounts ↗ tap to view
231
Past Due %
12.6%
💰 MTD Collections as of November 4, 2026
$124,269
Principal
of $948,777 due
$41,748
Interest
of $690,278 due
$166,017
P&I Total Collected
of $1,639,056 due
P&I Pacing
60.8%
$166,017 ÷ 4 days × 24 days = $996,104 projected vs $1,639,056 expected
Principal Pace
78.6%
$124,269 ÷ 4 days × 24 days = $745,614 projected vs $948,777 expected
Interest Pace
36.3%
$41,748 ÷ 4 days × 24 days = $250,490 projected vs $690,278 expected
🛡️ CPI Collections as of November 4, 2026
$12,894
CPI Collected MTD
$204,078
CPI Expected
CPI Projected vs Expected
37.9%
$12,894 ÷ 4 days × 24 days = $77,362 projected vs $204,078 expected
📋 Total AR from Sales as of November 6, 2026
$265,711
Total Financed This Month
⚠️ Charge Offs as of November 6, 2026
2
Accounts ↗ tap to view
$33,517
Principal C/O
0.06%
C/O % of A/R
$12,735
Recovery ACV
38.0%
Recovery Rate
🚨 Out for Repo (OFR) as of Nov 6, 2026
38
Accounts OFR ↗ tap to view
↓-1 vs last week
$1,082,119
OFR Principal
17d
Avg Days OFR
2.1%
% of A/R
13-Week OFR Trend
Peak: 53
🔑 Repo on Hand (ROH) as of Nov 6, 2026
37
Units on Lot ↗ tap to view
↑+5 vs last week
$1,121,960
ROH Principal
13.4d
Avg Days ROH
2.2%
% of A/R
13-Week ROH Trend
Peak: 42
⚠️ Skip & BK Accounts as of November 6, 2026
Skips US
15
$465K exposure
▼ tap to expand
Skips Mexico
13
$441K exposure
▼ tap to expand
BK Accounts
4
$120K exposure
▼ tap to expand
🎓 Active Portfolio — NEO Grade Mix as of November 6, 2026
Grade A
26.7%
Grade B
23.4%
Grade C
26.2%
Grade D
21.3%
Grade E
2.4%
Grades from NEO underwriting system · 1834 active accounts
📊 Sales Averages
🎯 Deal Quality
—
Avg Neo GPA (combined)
—
Avg Loan Term
—
Avg APR (combined)
—
Avg LTV
—
Avg Breakeven
🚗 Vehicle Quality as of November 6, 2026
2019
Avg Model Year
116,833
Avg Miles (Acquired)
🛻 Vehicle Mix as of November 6, 2026
Arlington (5)
Trucks 🛻2 (40.0%)
SUVs 🚙2 (40.0%)
Cars 🚗1 (20.0%)
Houston (3)
Trucks 🛻2 (66.7%)
Cars 🚗1 (33.3%)
November 2026 MTD
📡 Sales by Source — MTD as of November 6, 2026
Arlington
3 (60%)
2 (40%)
Houston
1 (33%)
1 (33%)
1 (33%)
✅ Front Line Ready as of November 6, 2026
Arlington
32
Front Line Ready Units
🛻 13 Trucks
🚙 12 SUVs
🚗 7 Cars
Tap to view inventory ↗
Houston
48
Front Line Ready Units
🛻 15 Trucks
🚙 21 SUVs
🚗 12 Cars
Tap to view inventory ↗
80 total FLR · 🛻 28 Trucks · 🚙 33 SUVs · 🚗 19 Cars · 64 below JD Power Clean Trade
📦 Aged Floorplan Inventory as of November 6, 2026
56
Over 60 Days
Tap for units ↗
31
Over 90 Days
Tap for units ↗
17
Over 120 Days
⚠️ Cost escalating
13-Week Trend — Units Over 60 Days
🔄 Wholesale Sales as of November 6, 2026
Avg Loss Per Unit — 13-Month Trend
Bar height = avg loss per unit · green = avg gain, yellow = avg loss <$2K, red = avg loss >$2K
🚗 YTD Sales as of November 6, 2026
1,097
Total Sold
586
ARL
511
HOU
1,097 of 1,200 annual goal — 103 to go
091.4%1,200
💰 YTD Collections as of November 6, 2026
$17,809,508
Total P&I Collected
$11,437,057
Principal Collected
$6,372,450
Interest Collected
$1,819,425
CPI Collected
$3,996,154
Cash Down Collected
📋 Total AR from Sales as of November 6, 2026
$37,456,711
Total Amount Financed YTD
$34,145
Avg per Deal
1,097
Total Units
⚠️ YTD Charge Offs as of November 6, 2026
$15,948,751
Principal C/O
591
Total Accounts
$7,573,585
ARL 287 accts · Principal C/O
$8,315,225
HOU 304 accts · Principal C/O
$4,224,479
55.8% Recovery Rate
ARL Recovery ACV
$4,703,648
56.6% Recovery Rate
HOU Recovery ACV
📊 YTD Sales Averages as of November 6, 2026
Sales Price
ARL$33,350
HOU$33,153
ALL$33,258
Gross Profit / Deal
ARL$13,137
HOU$13,083
ALL$13,112
ACV
ARL$20,213
HOU$20,095
ALL$20,158
Cash Down
ARL$3,611
HOU$3,679
ALL$3,643
Amt Financed
ARL$33,936
HOU$34,384
ALL$34,145
Monthly Payment
ARL$1,007
HOU$1,022
ALL$1,014
🎯 YTD Deal Quality as of November 6, 2026
1.95
Avg Neo GPA
18.42%
Avg APR
65.0%
Avg Markup
48.6 mo
Avg Term
🔧 YTD Vehicle Quality as of November 6, 2026
2020
Avg Model Year
99,981
Avg Acquired Miles
🛻 YTD Vehicle Mix as of November 6, 2026
Trucks 🛻
43.4%
SUVs 🚙
35.0%
Cars 🚗
21.7%
Based on 1,097 total units · as of November 6, 2026
📡 YTD Sales by Source as of November 6, 2026
Arlington
267 (46%)
176 (30%)
43 (7%)
35 (6%)
24 (4%)
17 (3%)
10 (2%)
7 (1%)
Houston
277 (55%)
60 (12%)
32 (6%)
25 (5%)
21 (4%)
17 (3%)
16 (3%)
13 (3%)
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