Revenue generated from the Company’s loans and finance receivables for the three and six months ended June 30, 2025 and 2024 was as follows (dollars in thousands):


	Three Months Ended				Six Months Ended
	June 30,				June 30,
	2025		2024		2025		2024
Consumer loans and finance receivables revenue	$	428,311	$	367,558	$	859,136	$	732,289
Small business loans and finance receivables revenue		326,266		251,782		630,862		488,259
Total loans and finance receivables revenue		754,577		619,340		1,489,998		1,220,548
Other		9,466		9,096		19,586		17,777
Total revenue	$	764,043	$	628,436	$	1,509,584	$	1,238,325

The components of Company-owned loans and finance receivables at June 30, 2025 and 2024 and December 31, 2024 were as follows (dollars in thousands):


	As of June 30, 2025
			Small
	Consumer		Business		Total
Principal balance - accrual	$	1,229,578	$	2,603,816	$	3,833,394
Principal balance - non-accrual		145,487		162,232		307,719
Total principal balance		1,375,065		2,766,048		4,141,113

Accrued interest and fees		127,093		30,469		157,562

Loans and finance receivables at fair value - accrual		1,599,365		3,031,100		4,630,465
Loans and finance receivables at fair value - non-accrual		68,971		73,879		142,850
Loans and finance receivables at fair value	$	1,668,336	$	3,104,979	$	4,773,315
Difference between principal balance and fair value	$	293,271	$	338,931	$	632,202


	As of June 30, 2024
			Small
	Consumer		Business		Total
Principal balance - accrual	$	1,056,193	$	2,098,129	$	3,154,322
Principal balance - non-accrual		120,534		148,796		269,330
Total principal balance		1,176,727		2,246,925		3,423,652

Accrued interest and fees		109,028		37,046		146,074

Loans and finance receivables at fair value - accrual		1,398,890		2,455,039		3,853,929
Loans and finance receivables at fair value - non-accrual		22,924		62,306		85,230
Loans and finance receivables at fair value	$	1,421,814	$	2,517,345	$	3,939,159
Difference between principal balance and fair value	$	245,087	$	270,420	$	515,507


	As of December 31, 2024
			Small
	Consumer		Business		Total
Principal balance - accrual	$	1,210,042	$	2,290,132	$	3,500,174
Principal balance - non-accrual		143,972		166,298		310,270
Total principal balance		1,354,014		2,456,430		3,810,444

Accrued interest and fees		128,956		27,086		156,042

Loans and finance receivables at fair value - accrual		1,617,708		2,672,714		4,290,422
Loans and finance receivables at fair value - non-accrual		21,599		74,423		96,022
Loans and finance receivables at fair value	$	1,639,307	$	2,747,137	$	4,386,444
Difference between principal balance and fair value	$	285,293	$	290,707	$	576,000

As of June 30, 2025 and 2024 and December 31, 2024, the aggregate fair value of loans and finance receivables that were 90 days or more past due was $31.3 million, $33.5 million and $32.7 million, respectively, of which, $16.5 million, $14.7 million and $16.6 million, respectively, was in non-accrual status. The aggregate unpaid principal balance for loans and finance receivables that were 90 days or more past due was $68.2 million, $78.2 million and $71.9 million, respectively.


	Three Months Ended June 30, 2025
				Small
	Consumer			Business			Total
Balance at beginning of period	$	1,616,337		$	2,953,482		$	4,569,819
Originations or acquisitions(1)		547,572			1,238,835			1,786,407
Interest and fees(2)		428,311			326,266			754,577
Repayments		(710,838	)		(1,308,441	)		(2,019,279	)
Charge-offs, net(3)		(215,004	)		(127,876	)		(342,880	)
Net change in fair value(3)		(389	)		22,713			22,324
Effect of foreign currency translation		2,347			—			2,347
Balance at end of period	$	1,668,336		$	3,104,979		$	4,773,315


	Three Months Ended June 30, 2024
				Small
	Consumer			Business			Total
Balance at beginning of period	$	1,347,165		$	2,448,045		$	3,795,210
Originations or acquisitions(1)		477,846			918,014			1,395,860
Interest and fees(2)		367,558			251,782			619,340
Repayments		(603,296	)		(1,008,527	)		(1,611,823	)
Charge-offs, net(3)		(161,171	)		(107,215	)		(268,386	)
Net change in fair value(3)		(2,840	)		15,246			12,406
Effect of foreign currency translation		(3,448	)		—			(3,448	)
Balance at end of period	$	1,421,814		$	2,517,345		$	3,939,159


	Six Months Ended June 30, 2025
				Small
	Consumer			Business			Total
Balance at beginning of period	$	1,639,307		$	2,747,137		$	4,386,444
Originations or acquisitions(1)		1,044,194			2,460,069			3,504,263
Interest and fees(2)		859,136			630,862			1,489,998
Repayments		(1,447,604	)		(2,527,503	)		(3,975,107	)
Charge-offs, net(3)		(442,789	)		(250,427	)		(693,216	)
Net change in fair value(3)		10,339			44,841			55,180
Effect of foreign currency translation		5,753			—			5,753
Balance at end of period	$	1,668,336		$	3,104,979		$	4,773,315


	Six Months Ended June 30, 2024
				Small
	Consumer			Business			Total
Balance at beginning of period	$	1,380,784		$	2,248,383		$	3,629,167
Originations or acquisitions(1)		885,109			1,877,949			2,763,058
Interest and fees(2)		732,289			488,259			1,220,548
Repayments		(1,225,016	)		(1,926,150	)		(3,151,166	)
Charge-offs, net(3)		(348,590	)		(206,494	)		(555,084	)
Net change in fair value(3)		1,600			35,398			36,998
Effect of foreign currency translation		(4,362	)		—			(4,362	)
Balance at end of period	$	1,421,814		$	2,517,345		$	3,939,159

(1) Originations or acquisitions is presented on a cost basis.

(2) Included in “Revenue” in the consolidated statements of income.

(3) Included in “Change in Fair Value” in the consolidated statements of income.

In connection with its CSO program, the Company guarantees consumer loan payment obligations to an unrelated third-party lender for consumer loans and is required to purchase any defaulted loans it has guaranteed. The guarantee represents an obligation to purchase specific loans that go into default. As of June 30, 2025 and 2024 and December 31, 2024, the consumer loans guaranteed by the Company had an estimated fair value of $23.8 million, $17.3 million and $28.4 million, respectively, and an outstanding principal balance of $16.8

million, $12.5 million and $19.9 million, respectively. As of June 30, 2025 and 2024 and December 31, 2024, the amount of consumer loans, including principal, fees and interest, guaranteed by the Company was $20.0 million, $14.9 million and $23.8 million, respectively. These loans are not included in the consolidated balance sheets as the Company does not own the loans prior to default.