v3.26.1
Consolidated Balance Sheets (Unaudited) - USD ($)
Mar. 31, 2026
Dec. 31, 2025
ASSETS:    
Cash and cash equivalents $ 25,700,000 $ 22,800,000
Restricted cash and cash equivalents 525,700,000 477,900,000
Debt Securities, Available-for-sale, Restricted 109,400,000 106,200,000
Loans receivable [1],[2] 11,578,500,000 11,511,500,000
Allowance for credit losses (3,622,100,000) (3,602,300,000)
Loans receivable, net 7,956,400,000 7,909,200,000
Property and equipment, net 13,200,000 12,600,000
Income taxes receivable 29,400,000 67,200,000
Other assets 34,800,000 35,800,000
Total assets 8,694,600,000 8,631,700,000
Liabilities:    
Accounts payable and accrued liabilities 415,300,000 400,200,000
Revolving secured lines of credit 219,600,000 107,300,000
Secured financing 5,100,300,000 5,158,800,000
Senior notes 1,088,700,000 1,087,800,000
Deferred income taxes, net 356,600,000 354,000,000.0
Total liabilities 7,180,500,000 7,108,100,000
Commitments and Contingencies - See Note 15
Shareholders' Equity:    
Preferred stock, $.01 par value, 1,000,000 shares authorized, none issued 0 0
Common stock, $.01 par value, 80,000,000 shares authorized, 10,423,120 and 10,680,143 shares issued and outstanding as of March 31, 2026 and December 31, 2025, respectively 100,000 100,000
Paid-in capital 430,100,000 403,300,000
Retained earnings 1,083,600,000 1,119,200,000
Accumulated other comprehensive income 300,000 1,000,000.0
Total shareholders’ equity 1,514,100,000 1,523,600,000
Total liabilities and shareholders’ equity $ 8,694,600,000 $ 8,631,700,000
Preferred stock, par value (in usd per share) $ 0.01 $ 0.01
Preferred stock, shares authorized 1,000,000 1,000,000
Preferred stock, shares issued 0 0
Common stock, par value (in usd per share) $ 0.01 $ 0.01
Common stock, shares authorized 80,000,000 80,000,000
Common stock, shares issued 10,423,120 10,680,143
Balance, shares 10,423,120 10,680,143
[1] As Consumer Loans are aggregated by Dealer for purposes of recognizing revenue and measuring credit losses, the Dealer Loan amount was estimated by allocating the balance of each Dealer Loan to the underlying Consumer Loans based on the forecasted future collections of each Consumer Loan.
[2] As certain Consumer Loans are aggregated by Dealer for purposes of recognizing revenue and measuring credit losses, the Purchased Loan amount was estimated by allocating the balance of certain Purchased Loans to the underlying Consumer Loans based on the forecasted future collections of each Consumer Loan.