afternoon Thanks and everyone. good
As quarter, a we total start. first and XXXX revenue generated Raul the $XX of $X.XX adjusted first of net record in results mentioned, quarter income, $XXX generated million we off In and million is to or adjusted great the of EPS.
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to increase and our loans in rates point the decreased fair asset-backed XXX.X% For resulted $XX average resulted decrease. of to decrease $XX in million in value and spreads weighted the interest during XX a credit notes The price quarter. increase XXX the the million of to mark-to-market, a the mark-to-market March from price due our in mark-to-market basis XX.X%, as
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also to we new and markets enhance We are our share. investment increased to in increased platform taking where spend technology growth drive our marketing in
has have we an charge first closures these to to took over years. expect more increased a $XXX, almost the network. acquisition XX our of by period. In five cost million the $X.X was from in the of the achieved rationalization the and decrease locations our million and we efficiency our of next AI marketing digital-first, our investment become decided save last will This this customer relating retail which cost quarter, partially reduction $XX charge XX% through the was retail second year Furthermore, of as driven base Our continues which year's programs close business operating our $XXX,XXX year-ago to expenses quarter. in additional down
in quadrupling prior-year of in non-GAAP in income XX%, the basis, million, $XX $X.XX equity Our $XX $XX from the million of a generated quarter. respectively. versus This quarter in income $X.XX, was to $X more compared a million, earnings well EPS million adjusted on XXXX. net prior-year prior-year to first million, and delivered net net XX% return million the increase per loss $XX million was in diluted increase versus than of the $X the a equated EBITDA the quarter. a On of share quarter. prior-year of $XX Adjusted was adjusted significant in above we quarter $X.XX $X.XX, income Adjusted
twelve last ROE months, For was the adjusted XX%.
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Our rate to was guidance. annualized XX X.X%, period basis and midpoint prior-year charge-off better equivalent points our than the net
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was Regarding XX, liquidity, cash our capital March million. as and of total $XXX
$XX for million. flow net was Additionally, operations first the quarter from cash
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between quarter In to US$X.XX US$X point to second million. adjusted quarter million and net net and for income want between below outlook EPS and that originations reason terms US$XXX adjusted caused the quarter the adjusted differences with the net results million million first US$X second adjusted aggregate and of timing guidance, out respect US$XXX value by is our EPS fair and our change rates. million is, I US$X.XX increase is interest in between Total in income the guidance to due our of between US$XXX US$XXX revenue million; of and
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personal million $XXX our year are of We and maintaining our end forecast receivables credit million secured for maintaining loans for $XXX for cards.
and minus We In that plus delivered terrific annualized I'm XX or a XX net we charge-off rate for X.X% we full the and second that the or are points us summary, net minus expect be and members, to be XXXX. back quarter points. for some our reaffirming revenue the pleased final comments to this that, set Raul quarter outlook our open rate remainder in of line that great we charge-off so for questions. our it remains far year expectation originations up believe growth to exceptional basis basis are that With X.X% we will seeing plus I will now over I And, strong. before the year XXXX turn total for a for
