Updated
Friday, November 6, 2026 at 11:33 AM CST
💰Collections
🚗Sales
🏪Inventory
📅YTD
🔧Service
📡GPS
Portfolio Current Rate as of November 6, 2026
87.4% CURRENT
Total Accounts 1,834
Current Accounts 1,603
Past Due Accounts ↗ tap to view 231
Past Due % 12.6%
💰 MTD Collections as of November 5, 2026
$175,742
Principal
of $948,777 due
$63,192
Interest
of $690,278 due
$238,934
P&I Total Collected
of $1,639,056 due
P&I Pacing
🎯 110%
87.5%
$238,934 ÷ 4 days × 24 days = $1,433,601 projected vs $1,639,056 expected
Principal Pace
111.1%
$175,742 ÷ 4 days × 24 days = $1,054,451 projected vs $948,777 expected
Interest Pace
54.9%
$63,192 ÷ 4 days × 24 days = $379,150 projected vs $690,278 expected
🛡️ CPI Collections as of November 5, 2026
$18,242
CPI Collected MTD
$204,078
CPI Expected
CPI Projected vs Expected
53.6%
$18,242 ÷ 4 days × 24 days = $109,449 projected vs $204,078 expected
📋 Total AR from Sales as of November 6, 2026
$351,826
Total Financed This Month
⚠️ Charge Offs as of November 6, 2026
16
Accounts ↗ tap to view
$464,870
Principal C/O
0.89%
C/O % of A/R
$257,685
Recovery ACV
55.4%
Recovery Rate
🚨 Out for Repo (OFR) as of Nov 6, 2026
36
Accounts OFR ↗ tap to view
↓-3 vs last week
$1,034,033
OFR Principal
18d
Avg Days OFR
2.0%
% of A/R
13-Week OFR Trend
Peak: 53
8/10
8/17
8/24
8/31
9/7
9/14
9/21
9/28
10/5
10/12
10/19
10/26
11/2
🔑 Repo on Hand (ROH) as of Nov 6, 2026
24
Units on Lot ↗ tap to view
↓-8 vs last week
$738,328
ROH Principal
13.4d
Avg Days ROH
1.4%
% of A/R
13-Week ROH Trend
Peak: 42
8/10
8/17
8/24
8/31
9/7
9/14
9/21
9/28
10/5
10/12
10/19
10/26
11/2
⚠️ 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 21.4%
Grade E 2.3%
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
2020
Avg Model Year
113,029
Avg Miles (Acquired)
🛻 Vehicle Mix as of November 6, 2026
Arlington (6)
Trucks 🛻3 (50.0%)
SUVs 🚙2 (33.3%)
Cars 🚗1 (16.7%)
Houston (5)
Trucks 🛻2 (40.0%)
SUVs 🚙1 (20.0%)
Cars 🚗2 (40.0%)
November 2026 MTD
📡 Sales by Source — MTD as of November 6, 2026
Arlington
Online Marketer 3 (50%)
Social Media 2 (33%)
Repeat Customer 1 (17%)
Houston
Drive By 2 (40%)
Old Lead Follow Up 1 (20%)
Online Marketer 1 (20%)
Other 1 (20%)
✅ Front Line Ready as of November 6, 2026
Arlington
40
Front Line Ready Units
🛻 15 Trucks 🚙 14 SUVs 🚗 11 Cars
Tap to view inventory ↗
Houston
46
Front Line Ready Units
🛻 15 Trucks 🚙 20 SUVs 🚗 11 Cars
Tap to view inventory ↗
86 total FLR · 🛻 30 Trucks  ·  🚙 34 SUVs  ·  🚗 22 Cars  ·  69 below JD Power Clean Trade
📦 Aged Floorplan Inventory as of November 6, 2026
54
Over 60 Days
Tap for units ↗
29
Over 90 Days
Tap for units ↗
16
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
Oct
Nov
Dec
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Bar height = avg loss per unit · green = avg gain, yellow = avg loss <$2K, red = avg loss >$2K
🚗 YTD Sales as of November 6, 2026
1,100
Total Sold
587
ARL
513
HOU
1,100 of 1,200 annual goal — 100 to go
091.7%1,200
💰 YTD Collections as of November 6, 2026
$17,882,424
Total P&I Collected
$11,488,530
Principal Collected
$6,393,894
Interest Collected
$1,824,773
CPI Collected
$4,002,854
Cash Down Collected
📋 Total AR from Sales as of November 6, 2026
$37,542,825
Total Amount Financed YTD
$34,130
Avg per Deal
1,100
Total Units
⚠️ YTD Charge Offs as of November 6, 2026
$16,380,104
Principal C/O
605
Total Accounts
$7,782,960
ARL 294 accts · Principal C/O
$8,537,203
HOU 311 accts · Principal C/O
$4,346,379
55.8% Recovery Rate
ARL Recovery ACV
$4,826,698
56.5% Recovery Rate
HOU Recovery ACV
📊 YTD Sales Averages as of November 6, 2026
Sales Price
ARL$33,343
HOU$33,131
ALL$33,244
Gross Profit / Deal
ARL$13,135
HOU$13,075
ALL$13,107
ACV
ARL$20,209
HOU$20,081
ALL$20,149
Cash Down
ARL$3,606
HOU$3,677
ALL$3,639
Amt Financed
ARL$33,929
HOU$34,360
ALL$34,130
Monthly Payment
ARL$1,007
HOU$1,021
ALL$1,014
🎯 YTD Deal Quality as of November 6, 2026
1.94
Avg Neo GPA
18.41%
Avg APR
65.0%
Avg Markup
48.6 mo
Avg Term
🔧 YTD Vehicle Quality as of November 6, 2026
2020
Avg Model Year
99,989
Avg Acquired Miles
🛻 YTD Vehicle Mix as of November 6, 2026
Trucks 🛻 43.4%
SUVs 🚙 35.0%
Cars 🚗 21.7%
Based on 1,100 total units · as of November 6, 2026
📡 YTD Sales by Source as of November 6, 2026
Arlington
Online Marketer 267 (46%)
Social Media 176 (30%)
Repeat Customer 44 (8%)
Customer Referral 35 (6%)
Walk In 24 (4%)
Drive By 17 (3%)
Family or Friend 10 (2%)
Google Search 7 (1%)
Houston
Online Marketer 278 (55%)
Social Media 60 (12%)
Customer Referral 32 (6%)
Leads Company 25 (5%)
Drive By 22 (4%)
Google Search 17 (3%)
LEADS COMPANY 16 (3%)
Old Lead Follow Up 13 (3%)
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Vamos Automotive Group  ·  Bob (AI)  ·  Data from Tableau Cloud