v3.25.4
CONSOLIDATED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Revenues:      
Total revenues $ 607,776 $ 658,649 $ 658,735
Operating expenses:      
Service charges from agents and banks 388,866 428,968 430,865
Salaries and benefits 75,036 68,247 70,203
Other selling, general and administrative expenses 50,732 41,483 42,655
Provision for credit losses 7,916 6,411 4,997
Restructuring costs 742 3,060 1,214
Transaction costs 10,464 1,819 445
Goodwill impairment 1,209 0 0
Depreciation and amortization 17,161 13,645 12,866
Total operating expenses 552,126 563,633 563,245
Operating income 55,650 95,016 95,490
Gain contingency 3,286 0 0
Interest expense 11,836 11,745 10,426
Income before income taxes 47,100 83,271 85,064
Income tax provision 14,429 24,450 25,549
Net income 32,671 58,821 59,515
Other comprehensive income (loss) 1,550 (1,708) 404
Comprehensive income $ 34,221 $ 57,113 $ 59,919
Earnings per common share:      
Basic (in dollars per share) $ 1.09 $ 1.81 $ 1.67
Diluted (in dollars per share) $ 1.08 $ 1.79 $ 1.63
Weighted-average common shares outstanding:      
Basic (in shares) 29,938,268 32,430,755 35,604,582
Diluted (in shares) 30,181,194 32,850,497 36,429,714
Wire transfer and money order fees, net      
Revenues:      
Total revenues $ 502,155 $ 554,801 $ 561,540
Foreign exchange gain, net      
Revenues:      
Total revenues 87,160 88,944 87,908
Other income      
Revenues:      
Total revenues $ 18,461 $ 14,904 $ 9,287