Thank for this your you thank morning. you attention and Brian all
and quite plan we’ll outline go of to have those I which after and the through a items do information We then do to will session. that of what’s bit to to discussed want we a brief how secondarily Q&A go
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to turning XXXX year. which of the XX was first So a those performance. good is XX very the
share as per earnings know $X.XX, up from Our XX% $X.XX you growth.
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which flat, to levels, at be good XXX of Our FICOs, quality Cosigner credit is the category continues XX%.
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amount are audiences, And significant we all sure the of that the analysts we there's because investors, lot digest expect to and so, all our make to that forward, spend we key time of want to page. a same going the on with prospects
forward. As going we the think about franchise
We providing will education futures responsibly prosperous futures. attempt be build students college and their helping outcomes and to planning from fund and helping them premium continue brand the families by access,
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unique a that vital a and and have whole including future. promising sector in would like have We to education. very the sector, We be opportunity, go-to-resource it's a ourselves for
key mind, XXXX are in great a that today with was for year. So takeaways
continue the We franchise. to evolve
XXXX I course You credit was the years well parameters the last program The the X.X% compounded. the discontinuance growth. XX% in originations management are is rational. about and dividends card be the of buybacks as over discussed. loan is seeing which personal capital will will Expense The three continue up XX, on as return year. of is up EPS
but election, don't on obviously the the watching have much believe we are very that closely presidential We will impact industry. actually
carefully the risks look We we potential as for at are company. two watching consolidation loans
the organic to track with grow industry, our our the bit that. and and grow is we specific clearly to X% regard XX% a to be X% the asset expect growth And going $X.XX little XXXX along to to will core better. In to earnings $X.XX It'll Our from guidance, a a forward grow to revenue the comparison. reflects of sales. industry XXXX EPS gap-to-gap
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be years X.X% Loan sales ratios will over continue. expense mentioned, billion of will our now $X greatly I returns. As has three profitability helped what efficiency course at of growing and the management
the three growth expect year continue. we horizon, to On X% the
to the at We expect $X loan sales continue billion.
the to part it the dividend market now about the a expect capital to balance we number that the proceed long the next I'm on mid-single or I and the continue billion in year conditions And believe said described. as that baked and expect tentatively return to out XX%. lot jump a in as But after sure talk we guidance, then be there. We with are is we will as flat that cost over the is sheet that's up EPS digits just We've of at and as franchise. $XX so,
I for Henry, the your attention. to by. just turn So to with by, then And Q&A we’re if questions. information you want run all that thank for let's our right ready that's
