Segment Information (Tables)

3 Months Ended

Mar. 31, 2026

Financial information regarding our reportable segments is set forth below as of and for the three months ended March 31, 2026 (in millions):


	Marketplace		Finance		Consolidated
Operating revenues	$	421.5	$	106.4	$	527.9
Operating expenses
Cost of services (exclusive of depreciation and amortization)	254.2		17.5		271.7
Finance interest expense	—		24.8		24.8
Provision for credit losses	0.6		9.7		10.3
Selling, general and administrative	110.1		14.3		124.4
Depreciation and amortization	19.7		3.2		22.9

Total operating expenses					454.1
Operating profit	36.9		36.9		73.8
Interest expense					10.1
Other income, net					(1.6)
Income before income taxes					65.3
Income taxes					16.4
Net income					$	48.9
Total assets	$	2,107.4	$	2,792.1	$	4,899.5
Capital expenditures	$	12.3	$	0.8	$	13.1

Financial information regarding our reportable segments is set forth below as of and for the three months ended March 31, 2025 (in millions):


	Marketplace		Finance		Consolidated
Operating revenues	$	351.2	$	108.9	$	460.1
Operating expenses
Cost of services (exclusive of depreciation and amortization)	224.5		17.1		241.6
Finance interest expense	—		27.6		27.6
Provision for credit losses	0.3		9.0		9.3
Selling, general and administrative	94.7		12.5		107.2
Depreciation and amortization	19.7		3.0		22.7
Total operating expenses					408.4
Operating profit	12.0		39.7		51.7
Interest expense					4.0
Other income, net					(5.0)
Income before income taxes					52.7
Income taxes					15.8
Net income					$	36.9
Total assets	$	2,114.1	$	2,692.3	$	4,806.4
Capital expenditures	$	10.9	$	1.0	$	11.9

Information regarding the geographic areas of our operations is set forth below (in millions):