v3.26.1
Fresh Start Accounting (Tables)
3 Months Ended
Mar. 31, 2026
Reorganizations [Abstract]  
Schedule of Reconciles the Enterprise Value to Estimated Fair Value of Successor Common Stock The following table reconciles the enterprise value to the estimated fair value of the Successor Common Stock as of the Effective Date (in thousands, except per share data):

 

Enterprise value

 

$

832,727

 

Plus:

 

 

 

Cash and cash equivalents

 

 

35,352

 

Restricted cash

 

 

26,089

 

Less:

 

 

 

Warehouse credit facilities of consolidated VIEs

 

 

363,718

 

Long-term debt

 

 

365,963

 

Fair value of Successor Equity

 

$

164,487

 

Less:

 

 

 

Successor warrants

 

 

(2,825

)

Fair value of Successor common stock

 

$

161,662

 

Shares issued upon emergence

 

 

5,163,109

 

Per share value

 

$

31.31

 

 

The reconciliation of the Company’s enterprise value to reorganization value as of the Effective Date is as follows: (in thousands):

 

Enterprise value

 

$

832,727

 

Plus:

 

 

 

Cash and cash equivalents

 

 

35,352

 

Restricted cash

 

 

26,089

 

Other liabilities

 

 

61,536

 

Reorganization value of Successor assets

 

$

955,704

 

Schedule of Pre-Petition Convertible Notes

2. Represents the settlement of the Company's pre-petition Convertible Notes, as of the Effective date, which is calculated as follows (in thousands):

Convertible note

 

$

290,488

 

Accrued interest on convertible senior note

 

 

1,180

 

Liabilities subject to compromise

 

 

291,668

 

Issuance of 92.94% of Successor common shares to prepetition convertible note holders (1)

 

 

150,249

 

Gain on settlement of liabilities subject to compromise

 

$

141,419

 

(1) Note the total issuances of Successor equity in the amount of $164.4 million was issued to Predecessor note holders in the amount of $150.2 million and Predecessor equity holders in the amount of $14.2 million. The total issuance to the Predecessor equity holders of $14.2 million included warrants of $2.8 million and 7.06% of Successor common shares totaling $11.4 million.

Schedule of Consolidated Balance Sheet from the Adoption Fresh Start Accounting

The adjustments set forth in the following condensed consolidated balance sheet as of January 14, 2025 reflect the effects of the transactions contemplated by the Plan and executed on the Effective date (reflected in the column “Reorganization Adjustments”), and fair value and other required accounting adjustments resulting from the adoption of fresh start accounting (reflected in the column “Fresh Start Accounting Adjustments”), (in thousands):

 

 

 

As of January 14, 2025

 

 

 

 

 

 

Reorganization

 

 

 

 

Fresh Start Accounting

 

 

 

 

 

 

 

 

Predecessor

 

 

Adjustments

 

 

Notes

 

Adjustments

 

 

Notes

 

Successor

 

ASSETS

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Cash and cash equivalents

 

$

35,352

 

 

$

 

 

 

 

$

 

 

 

 

$

35,352

 

Restricted cash

 

 

26,089

 

 

 

 

 

 

 

 

 

 

 

 

 

26,089

 

Finance receivables at fair value

 

 

505,084

 

 

 

 

 

 

 

 

319,928

 

 

7

 

 

825,012

 

Finance receivables held for sale, net

 

 

311,640

 

 

 

 

 

 

 

 

(311,640

)

 

7

 

 

 

Interest receivable

 

 

14,230

 

 

 

 

 

 

 

 

 

 

 

 

 

14,230

 

Property and equipment, net

 

 

4,175

 

 

 

 

 

 

 

 

(2,972

)

 

8

 

 

1,203

 

Intangible assets, net

 

 

103,852

 

 

 

 

 

 

 

 

(89,652

)

 

9

 

 

14,200

 

Operating lease right-of-use assets

 

 

6,831

 

 

 

 

 

 

 

 

4,196

 

 

10

 

 

11,027

 

Other assets

 

 

32,919

 

 

 

(2,037

)

 

1

 

 

(3,049

)

 

11

 

 

27,833

 

Assets from discontinued operations

 

 

758

 

 

 

 

 

 

 

 

 

 

 

 

 

758

 

Total assets

 

$

1,040,930

 

 

$

(2,037

)

 

 

 

$

(83,189

)

 

 

 

$

955,704

 

LIABILITIES AND STOCKHOLDERS’ EQUITY

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Current Liabilities:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Warehouse credit facilities of consolidated VIEs

 

$

363,718

 

 

$

 

 

 

 

$

 

 

 

 

$

363,718

 

Long-term debt

 

 

361,464

 

 

 

 

 

 

 

 

4,499

 

 

12

 

 

365,963

 

Operating lease liabilities

 

 

11,027

 

 

 

 

 

 

 

 

 

 

 

 

 

11,027

 

Other liabilities

 

 

46,875

 

 

 

 

 

 

 

 

 

 

 

 

 

46,875

 

Liabilities subject to compromise

 

 

291,668

 

 

 

(291,668

)

 

2

 

 

 

 

 

 

 

 

Liabilities from discontinued operations

 

 

3,634

 

 

 

 

 

 

 

 

 

 

 

 

 

3,634

 

Total liabilities

 

 

1,078,386

 

 

 

(291,668

)

 

 

 

 

4,499

 

 

 

 

 

791,217

 

Stockholders’ (deficit) equity:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Common stock - Predecessor

 

 

2

 

 

 

(2

)

 

3

 

 

 

 

 

 

 

 

Common stock - Successor

 

 

 

 

 

5

 

 

4

 

 

 

 

 

 

 

5

 

Additional paid-in-capital - Predecessor

 

 

2,095,033

 

 

 

(2,095,033

)

 

5

 

 

 

 

 

 

 

 

Additional paid-in-capital - Successor

 

 

 

 

 

161,657

 

 

6

 

 

 

 

 

 

 

161,657

 

Warrants - Successor

 

 

 

 

 

2,825

 

 

6

 

 

 

 

 

 

 

2,825

 

Accumulated deficit

 

 

(2,132,491

)

 

 

2,220,179

 

 

2,13

 

 

(87,688

)

 

13

 

 

 

Total stockholders’ (deficit) equity

 

 

(37,456

)

 

 

289,631

 

 

 

 

 

(87,688

)

 

 

 

 

164,487

 

Total liabilities and stockholders’ equity

 

$

1,040,930

 

 

$

(2,037

)

 

 

 

$

(83,189

)

 

 

 

$

955,704

 

Schedule of Cumulative Impact Accumulated Deficit Reorganization Adjustments The cumulative impact to accumulated deficit from the reorganization adjustments is calculated, as follows (in thousands):

 

Adjustment to Predecessor common stock and additional paid-in-capital

 

$

2,095,035

 

Gain on settlement of liabilities subject to compromise

 

 

141,419

 

Warrants and common stock issued to Predecessor equity holders

 

 

(14,238

)

Reorganization adjustment to total assets

 

 

(2,037

)

Cumulative impact to accumulated deficit

 

$

2,220,179

 

Schedule of Reorganization Items Net Consisted Reorganization items, net consisted of the following (in thousands):

 

 

 

 

Predecessor

 

 

 

 

Period from January 1 through January 14,

 

 

 

 

2025

 

Net gain on settlement of debt

 

 

$

141,419

 

Net loss on fresh start adjustments

 

 

 

(87,688

)

Net loss on reorganization adjustment of other assets

 

 

 

(2,037

)

Debt valuation adjustments

 

 

 

 

Professional fees

 

 

 

(658

)

Total reorganization items, net

 

 

$

51,036