Segment Reporting (Tables)

3 Months Ended

Mar. 31, 2026

Segment Reporting

Schedule of segment reporting

The following table provides segment measure of profit and loss, presenting Net operating income, by each operating segment (in thousands) and is the measure that the CODM utilizes to determine resource and investment allocations:


		For the Three Months Ended March 31,															For the Three Months Ended March 31,
		2026															2025
		United			United						Latin						United			United						Latin
		States			Kingdom			Canada			America			Total			States			Kingdom			Canada			America			Total
Total portfolio revenue		$	127,210		$	9,354		$	16,136		$	11,963		$	164,663		$	111,747		$	4,485		$	16,110		$	9,972		$	142,314
Credit card revenue			723			—			1,012			—			1,735			664			—			1,234			—			1,898
Servicing revenue			1,782			7,774			485			—			10,041			4,538			5,866			327			—			10,731
Total Revenue		$	129,715		$	17,128		$	17,633		$	11,963		$	176,439		$	116,949		$	10,351		$	17,671		$	9,972		$	154,943

Provision for credit losses		$	457		$	—		$	167		$	—					$	332		$	—		$	210		$	—

Salaries and benefits		$	16,327		$	4,373		$	1,341		$	332					$	8,917		$	3,680		$	1,312		$	113
Servicing expenses			54,571			4,702			2,343			3,963						33,451			3,977			2,332			3,031
Depreciation and amortization			594			81			189			9						1,259			83			257			9
Professional fees			1,713			204			73			291						1,632			224			91			218
Other selling, general and administrative			3,266			722			341			196						3,559			592			328			70

Net operating income		$	52,788		$	7,046		$	13,179		$	7,172		$	80,185		$	67,799		$	1,795		$	13,141		$	6,531		$	89,266

Other Income / (Expense):
Interest expense														$	(30,578)														$	(24,819)
Foreign exchange and other income / (expense)															1,449															2,459
Total other expense															(29,129)															(22,360)
Income Before Income Taxes														$	51,056														$	66,906