Updated
Sunday, September 6, 2026 at 11:34 AM CDT
💰Collections
🚗Sales
🏪Inventory
📅YTD
🔧Service
📡GPS
Portfolio Current Rate as of September 6, 2026
86.7% CURRENT
Total Accounts 1,765
Current Accounts 1,530
Past Due Accounts ↗ tap to view 235
Past Due % 13.3%
💰 MTD Collections as of September 3, 2026
$86,041
Principal
of $913,631 due
$47,445
Interest
of $678,454 due
$133,486
P&I Total Collected
of $1,592,086 due
P&I Pacing
🎯 110%
41.9%
$133,486 ÷ 5 days × 25 days = $667,431 projected vs $1,592,086 expected
Principal Pace
47.1%
$86,041 ÷ 5 days × 25 days = $430,207 projected vs $913,631 expected
Interest Pace
35.0%
$47,445 ÷ 5 days × 25 days = $237,224 projected vs $678,454 expected
🛡️ CPI Collections as of September 3, 2026
$13,340
CPI Collected MTD
$194,068
CPI Expected
CPI Projected vs Expected
34.4%
$13,340 ÷ 5 days × 25 days = $66,701 projected vs $194,068 expected
📋 Total AR from Sales as of September 6, 2026
$365,824
Total Financed This Month
⚠️ Charge Offs as of September 6, 2026
4
Accounts ↗ tap to view
$90,065
Principal C/O
0.17%
C/O % of A/R
$28,000
Recovery ACV
31.1%
Recovery Rate
🚨 Out for Repo (OFR) as of Sep 6, 2026
36
Accounts OFR ↗ tap to view
↑+2 vs last week
$1,075,222
OFR Principal
18d
Avg Days OFR
2.1%
% of A/R
13-Week OFR Trend
Peak: 39
6/8
6/15
6/22
6/29
7/6
7/13
7/20
7/27
8/3
8/10
8/17
8/24
8/31
🔑 Repo on Hand (ROH) as of Sep 6, 2026
39
Units on Lot ↗ tap to view
↓-3 vs last week
$1,079,626
ROH Principal
12.8d
Avg Days ROH
2.1%
% of A/R
13-Week ROH Trend
Peak: 42
6/8
6/15
6/22
6/29
7/6
7/13
7/20
7/27
8/3
8/10
8/17
8/24
8/31
⚠️ Skip & BK Accounts as of September 6, 2026
Skips US
10
$336K exposure
▼ tap to expand
Skips Mexico
13
$441K exposure
▼ tap to expand
BK Accounts
3
$88K exposure
▼ tap to expand
🎓 Active Portfolio — NEO Grade Mix as of September 6, 2026
Grade A 28.5%
Grade B 22.6%
Grade C 23.6%
Grade D 22.8%
Grade E 2.5%
Grades from NEO underwriting system · 1765 active accounts
📊 Sales Averages
🎯 Deal Quality
—
Avg Neo GPA (combined)
—
Avg Loan Term
—
Avg APR (combined)
—
Avg LTV
—
Avg Breakeven
🚗 Vehicle Quality as of September 6, 2026
2018
Avg Model Year
100,586
Avg Miles (Acquired)
🛻 Vehicle Mix as of September 6, 2026
Arlington (8)
Trucks 🛻3 (37.5%)
SUVs 🚙4 (50.0%)
Cars 🚗1 (12.5%)
Houston (3)
Trucks 🛻2 (66.7%)
SUVs 🚙1 (33.3%)
September 2026 MTD
📡 Sales by Source — MTD as of September 6, 2026
Arlington
Social Media 3 (38%)
Repeat Customer 2 (25%)
Customer Referral 1 (13%)
Google Search 1 (13%)
Online Marketer 1 (13%)
Houston
LEADS COMPANY 1 (33%)
Online Marketer 1 (33%)
Repeat Customer 1 (33%)
✅ Front Line Ready as of September 6, 2026
Arlington
57
Front Line Ready Units
🛻 10 Trucks 🚙 20 SUVs 🚗 27 Cars
Tap to view inventory ↗
Houston
38
Front Line Ready Units
🛻 4 Trucks 🚙 21 SUVs 🚗 13 Cars
Tap to view inventory ↗
95 total FLR · 🛻 14 Trucks  ·  🚙 41 SUVs  ·  🚗 40 Cars  ·  59 below JD Power Clean Trade
📦 Aged Floorplan Inventory as of September 6, 2026
45
Over 60 Days
Tap for units ↗
11
Over 90 Days
Tap for units ↗
4
Over 120 Days
⚠️ Cost escalating
13-Week Trend — Units Over 60 Days
🔄 Wholesale Sales as of September 4, 2026
Avg Loss Per Unit — 13-Month Trend
Aug
Sep
Oct
Nov
Dec
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Bar height = avg loss per unit · green = avg gain, yellow = avg loss <$2K, red = avg loss >$2K
🚗 YTD Sales as of September 6, 2026
889
Total Sold
475
ARL
414
HOU
889 of 1,200 annual goal — 311 to go
074.1%1,200
💰 YTD Collections as of September 6, 2026
$13,695,867
Total P&I Collected
$8,728,133
Principal Collected
$4,967,734
Interest Collected
$1,433,199
CPI Collected
$3,357,380
Cash Down Collected
📋 Total AR from Sales as of September 6, 2026
$30,593,140
Total Amount Financed YTD
$34,413
Avg per Deal
889
Total Units
⚠️ YTD Charge Offs as of September 6, 2026
$12,394,558
Principal C/O
456
Total Accounts
$5,735,580
ARL 219 accts · Principal C/O
$6,599,037
HOU 237 accts · Principal C/O
$3,256,649
56.8% Recovery Rate
ARL Recovery ACV
$3,761,573
57.0% Recovery Rate
HOU Recovery ACV
📊 YTD Sales Averages as of September 6, 2026
Sales Price
ARL$33,889
HOU$33,346
ALL$33,636
Gross Profit / Deal
ARL$13,368
HOU$13,135
ALL$13,259
ACV
ARL$20,521
HOU$20,211
ALL$20,377
Cash Down
ARL$3,815
HOU$3,732
ALL$3,777
Amt Financed
ARL$34,287
HOU$34,557
ALL$34,413
Monthly Payment
ARL$1,019
HOU$1,027
ALL$1,023
🎯 YTD Deal Quality as of September 6, 2026
1.91
Avg Neo GPA
18.42%
Avg APR
65.1%
Avg Markup
48.6 mo
Avg Term
🔧 YTD Vehicle Quality as of September 6, 2026
2020
Avg Model Year
99,507
Avg Acquired Miles
🛻 YTD Vehicle Mix as of September 6, 2026
Trucks 🛻 43.5%
SUVs 🚙 35.6%
Cars 🚗 20.9%
Based on 889 total units · as of September 6, 2026
📡 YTD Sales by Source as of September 6, 2026
Arlington
Online Marketer 219 (46%)
Social Media 145 (31%)
Repeat Customer 36 (8%)
Customer Referral 24 (5%)
Walk In 20 (4%)
Drive By 13 (3%)
Family or Friend 10 (2%)
Google Search 5 (1%)
Houston
Online Marketer 228 (56%)
Social Media 49 (12%)
Customer Referral 27 (7%)
Leads Company 25 (6%)
Drive By 20 (5%)
Google Search 14 (3%)
Repeat Customer 11 (3%)
Phone Up 9 (2%)
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Vamos Automotive Group  ·  Bob (AI)  ·  Data from Tableau Cloud