v3.26.1
Segment Reporting (Details) - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2026
Mar. 31, 2025
Segment Reporting    
Number of reportable segments not disclosed flag true  
Portfolio revenue $ 164,663 $ 142,314
Credit card revenue 1,735 1,898
Servicing revenue 10,041 10,731
Total Revenues 176,439 154,943
Provision for credit losses 624 542
Salaries and benefits 22,375 14,022
Servicing expenses 65,578 42,791
Depreciation and amortization 872 1,608
Professional fees 2,281 2,165
Other selling, general and administrative 4,524 4,549
Net Operating Income 80,185 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
United States    
Segment Reporting    
Portfolio revenue 127,210 111,747
Credit card revenue 723 664
Servicing revenue 1,782 4,538
Total Revenues 129,715 116,949
Provision for credit losses 457 332
Salaries and benefits 16,327 8,917
Servicing expenses 54,571 33,451
Depreciation and amortization 594 1,259
Professional fees 1,713 1,632
Other selling, general and administrative 3,266 3,559
Net Operating Income 52,788 67,799
United Kingdom    
Segment Reporting    
Portfolio revenue 9,354 4,485
Servicing revenue 7,774 5,866
Total Revenues 17,128 10,351
Salaries and benefits 4,373 3,680
Servicing expenses 4,702 3,977
Depreciation and amortization 81 83
Professional fees 204 224
Other selling, general and administrative 722 592
Net Operating Income 7,046 1,795
Canada    
Segment Reporting    
Portfolio revenue 16,136 16,110
Credit card revenue 1,012 1,234
Servicing revenue 485 327
Total Revenues 17,633 17,671
Provision for credit losses 167 210
Salaries and benefits 1,341 1,312
Servicing expenses 2,343 2,332
Depreciation and amortization 189 257
Professional fees 73 91
Other selling, general and administrative 341 328
Net Operating Income 13,179 13,141
Latin America    
Segment Reporting    
Portfolio revenue 11,963 9,972
Total Revenues 11,963 9,972
Salaries and benefits 332 113
Servicing expenses 3,963 3,031
Depreciation and amortization 9 9
Professional fees 291 218
Other selling, general and administrative 196 70
Net Operating Income $ 7,172 $ 6,531