v3.26.1
Segment Information - Summary of Reportable Segments (Details) - USD ($)
$ in Thousands
 3 Months Ended
Jan. 14, 2025
Mar. 31, 2026
Mar. 31, 2025
Segment Reporting Information [Line Items]      
Interest income $ 7,183 $ 42,476 $ 37,157
Warehouse credit facility 1,017 3,439 4,618
Securitization debt 1,178 8,620 6,548
Total interest expense 2,195 12,059 11,166
Net interest income 4,988 30,417 25,991
Realized and unrealized losses, net of recoveries 6,792 24,683 11,100
Net interest income (loss) after losses and recoveries (1,804) 5,734 14,891
Servicing income 192 1,139 1,254
Warranties and GAP income (loss), net 307 2,686 4,079
CarStory revenue 432 1,333 2,392
Other income 113 2,041 2,481
Total noninterest income 1,044 7,199 10,206
Compensation and benefits 2,823 19,146 16,067
Professional fees 297 4,520 5,347
Software and IT costs 457 3,161 2,402
Depreciation and amortization 1,057 1,340 575
Interest expense on corporate debt 176 1,212 480
Impairment charges 0 0 4,156
Other expenses 371 2,408 2,370
Total expenses 5,181 31,787 31,397
Provision for income taxes from continuing operations 5 192 150
Preferred stock dividends attributable to noncontrolling interests of subsidiary   (571)  
Adjusted net income (loss) (6,063) (15,106) 5
Operating Segments | UACC      
Segment Reporting Information [Line Items]      
Interest income 7,254 42,476 37,157
Warehouse credit facility 1,017 3,439 4,618
Securitization debt 1,178 8,620 6,548
Total interest expense 2,195 12,059 11,166
Net interest income 5,059 30,417 25,991
Realized and unrealized losses, net of recoveries 7,647 24,823 12,691
Net interest income (loss) after losses and recoveries (2,588) 5,594 13,300
Servicing income 192 1,139 1,254
Warranties and GAP income (loss), net 390 2,765 3,571
Other income 66 2,007 2,235
Total noninterest income 648 5,911 7,060
Compensation and benefits 2,398 16,737 13,694
Professional fees 172 3,364 3,069
Software and IT costs 367 2,965 2,086
Depreciation and amortization 817 1,235 479
Interest expense on corporate debt 85 761 480
Impairment charges     3,479
Other expenses 262 1,967 1,670
Total expenses 4,101 27,029 24,957
Provision for income taxes from continuing operations     39
Preferred stock dividends attributable to noncontrolling interests of subsidiary   (571)  
Adjusted net income (loss) (5,910) (14,976) (834)
Operating Segments | CarStory      
Segment Reporting Information [Line Items]      
CarStory revenue 432 1,333 2,392
Other income 13 34 62
Total noninterest income 445 1,367 2,454
Compensation and benefits 326 1,243 1,360
Professional fees 13 52  
Software and IT costs 2 2  
Depreciation and amortization 240 105 96
Other expenses 20 93 138
Total expenses 601 1,495 1,594
Provision for income taxes from continuing operations 5 26 16
Adjusted net income (loss) (153) (130) 839
Corporate      
Segment Reporting Information [Line Items]      
Interest income (71)    
Net interest income (71)    
Realized and unrealized losses, net of recoveries (855) (140) (1,591)
Net interest income (loss) after losses and recoveries 784 140 1,591
Warranties and GAP income (loss), net (83) (79) 508
Other income 34   184
Total noninterest income (49) (79) 692
Compensation and benefits 99 1,166 1,013
Professional fees 112 1,104 2,278
Software and IT costs 88 194 316
Interest expense on corporate debt 91 451  
Impairment charges     677
Other expenses 89 348 562
Total expenses $ 479 3,263 4,846
Provision for income taxes from continuing operations   $ 166 $ 95