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CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) - USD ($)
$ in Thousands
 6 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Cash Flows from Operating Activities    
Net income $ 149,094 $ 102,339
Adjustments to reconcile net income to net cash provided by operating activities:    
Depreciation and amortization 20,409 19,972
Amortization of deferred loan costs and debt discount 7,970 6,972
Change in fair value of loans and finance receivables 638,036 518,086
Stock-based compensation expense 16,042 15,403
Loss on early extinguishment of debt 1,019 1,013
Operating leases, net 909 540
Deferred income taxes, net 17,333 3,041
Changes in operating assets and liabilities:    
Finance and service charges on loans and finance receivables (1,862) (4,916)
Other receivables and prepaid expenses and other assets (16,730) 2,089
Accounts payable and accrued expenses (18,359) 11,445
Current income taxes 24,647 33,521
Net cash provided by operating activities 838,508 709,505
Cash Flows from Investing Activities    
Loans and finance receivables originated or acquired (3,260,806) (2,583,017)
Loans and finance receivables repaid 2,247,079 1,755,379
Capitalization of software development costs and purchases of fixed assets (24,099) (22,312)
Net cash used in investing activities (1,037,826) (849,950)
Cash Flows from Financing Activities    
Borrowings under revolving line of credit 748,000 316,000
Repayments under revolving line of credit (720,000) (253,000)
Borrowings under securitization facilities 823,554 1,001,895
Repayments under securitization facilities (450,622) (643,976)
Repayments of senior notes 0 (168,702)
Debt issuance costs paid (6,173) (11,146)
Debt prepayment penalty paid (563) 0
Proceeds from exercise of stock options 2,616 8,822
Treasury shares purchased (140,859) (214,734)
Net cash provided by financing activities 255,953 35,159
Effect of exchange rates on cash, cash equivalents and restricted cash 140 (848)
Net increase (decrease) in cash, cash equivalents and restricted cash 56,775 (106,134)
Cash, cash equivalents and restricted cash at beginning of year 322,668 377,439
Cash, cash equivalents and restricted cash at end of period 379,443 271,305
Supplemental Disclosures    
Non-cash renewal of loans and finance receivables $ 243,457 $ 180,041