v3.26.1
Business Segment Information - Schedule of Financial Results (Details)
$ in Thousands
 3 Months Ended
Mar. 31, 2026
USD ($)
segment
Mar. 31, 2025
USD ($)
Segment Reporting Information [Line Items]    
Net interest income (expense) $ 692,988 $ 498,726
Noninterest income 407,380 273,033
Noninterest loss (891,921) (686,299)
Total net revenue 1,100,368 771,759
Provision for credit losses (8,895) (5,678)
Directly attributable expenses :    
Compensation and benefits $ (329,727) (268,606)
Number of reportable segments | segment 3  
Operating Segments    
Segment Reporting Information [Line Items]    
Net interest income (expense) $ 728,326 534,233
Noninterest income 417,723 285,686
Total net revenue 1,146,049 819,919
Provision for credit losses (8,890) (5,639)
Servicing rights – change in valuation inputs or assumptions (13,163) (1,074)
Residual interests classified as debt – change in valuation inputs or assumptions 27 35
Directly attributable expenses :    
Directly attributable expenses (534,054) (395,061)
Contribution profit 589,969 418,180
Intercompany expenses 24,737 16,195
Operating Segments | Lending    
Segment Reporting Information [Line Items]    
Net interest income (expense) 500,231 360,621
Noninterest income 142,189 52,752
Total net revenue 642,420 413,373
Provision for credit losses 0 0
Servicing rights – change in valuation inputs or assumptions (13,163) (1,074)
Residual interests classified as debt – change in valuation inputs or assumptions 27 35
Directly attributable expenses :    
Compensation and benefits (52,249) (35,889)
Direct advertising (96,905) (67,769)
Lead generation (59,144) (40,245)
Loan origination and servicing costs (24,696) (18,721)
Product fulfillment 0 0
Tools and subscriptions 0 0
Member incentives 0 0
Professional services (3,861) (2,235)
Intercompany technology platform expenses (612) (489)
Other (9,431) (8,051)
Directly attributable expenses (246,898) (173,399)
Contribution profit 382,386 238,935
Operating Segments | Technology Platform    
Segment Reporting Information [Line Items]    
Net interest income (expense) 355 413
Noninterest income 74,731 103,014
Total net revenue 75,086 103,427
Provision for credit losses 0 0
Servicing rights – change in valuation inputs or assumptions 0 0
Residual interests classified as debt – change in valuation inputs or assumptions 0 0
Directly attributable expenses :    
Compensation and benefits (46,090) (44,486)
Direct advertising 0 0
Lead generation 0 0
Loan origination and servicing costs 0 0
Product fulfillment (2,527) (13,962)
Tools and subscriptions (6,991) (6,890)
Member incentives 0 0
Professional services (4,311) (2,670)
Intercompany technology platform expenses 0 0
Other (3,168) (4,506)
Directly attributable expenses (63,087) (72,514)
Contribution profit 11,999 30,913
Operating Segments | Financial Services    
Segment Reporting Information [Line Items]    
Net interest income (expense) 227,740 173,199
Noninterest income 200,803 129,920
Total net revenue 428,543 303,119
Provision for credit losses (8,890) (5,639)
Servicing rights – change in valuation inputs or assumptions 0 0
Residual interests classified as debt – change in valuation inputs or assumptions 0 0
Directly attributable expenses :    
Compensation and benefits (57,425) (42,479)
Direct advertising (11,994) (5,676)
Lead generation (51,624) (31,668)
Loan origination and servicing costs 0 0
Product fulfillment (26,597) (18,701)
Tools and subscriptions 0 0
Member incentives (24,634) (16,083)
Professional services (9,649) (7,257)
Intercompany technology platform expenses (12,727) (11,021)
Other (29,419) (16,263)
Directly attributable expenses (224,069) (149,148)
Contribution profit 195,584 148,332
Corporate / Other    
Segment Reporting Information [Line Items]    
Net interest income (expense) (35,338) (35,507)
Noninterest loss (10,343) (12,653)
Total net revenue $ (45,681) $ (48,160)