Revenue generated from the Company’s loans and finance receivables for the three and six months ended June 30, 2026 and 2025 was as follows (in thousands):


	Three Months Ended				Six Months Ended
	June 30,				June 30,
	2026		2025		2026		2025
Consumer loans and finance receivables revenue	$	477,419	$	428,311	$	923,226	$	859,136
Small business loans and finance receivables revenue		439,270		326,266		856,770		630,862
Total loans and finance receivables revenue		916,689		754,577		1,779,996		1,489,998
Other		12,238		9,466		24,073		19,586
Total revenue	$	928,927	$	764,043	$	1,804,069	$	1,509,584

The components of Company-owned loans and finance receivables at June 30, 2026 and 2025 and December 31, 2025 were as follows (in thousands):


	As of June 30, 2026
			Small
	Consumer		Business		Total
Principal balance - accrual	$	1,404,102	$	3,487,632	$	4,891,734
Principal balance - non-accrual		164,246		295,111		459,357
Total principal balance		1,568,348		3,782,743		5,351,091

Accrued interest and fees		139,769		33,350		173,119

Loans and finance receivables at fair value - accrual		1,838,035		4,049,050		5,887,085
Loans and finance receivables at fair value - non-accrual		78,636		207,043		285,679
Loans and finance receivables at fair value	$	1,916,671	$	4,256,093	$	6,172,764
Difference between principal balance and fair value	$	348,323	$	473,350	$	821,673


	As of June 30, 2025
			Small
	Consumer		Business		Total
Principal balance - accrual	$	1,229,578	$	2,603,816	$	3,833,394
Principal balance - non-accrual		145,487		162,232		307,719
Total principal balance		1,375,065		2,766,048		4,141,113

Accrued interest and fees		127,093		30,469		157,562

Loans and finance receivables at fair value - accrual		1,599,365		3,031,100		4,630,465
Loans and finance receivables at fair value - non-accrual		68,971		73,879		142,850
Loans and finance receivables at fair value	$	1,668,336	$	3,104,979	$	4,773,315
Difference between principal balance and fair value	$	293,271	$	338,931	$	632,202


	As of December 31, 2025
			Small
	Consumer		Business		Total
Principal balance - accrual	$	1,294,991	$	3,079,986	$	4,374,977
Principal balance - non-accrual		151,947		221,090		373,037
Total principal balance		1,446,938		3,301,076		4,748,014

Accrued interest and fees		126,825		27,448		154,273

Loans and finance receivables at fair value - accrual		1,694,851		3,550,186		5,245,037
Loans and finance receivables at fair value - non-accrual		69,618		156,889		226,507
Loans and finance receivables at fair value	$	1,764,469	$	3,707,075	$	5,471,544
Difference between principal balance and fair value	$	317,531	$	405,999	$	723,530

As of June 30, 2026 and 2025 and December 31, 2025, the aggregate fair value of loans and finance receivables that were 90 days or more past due was $66.0 million, $31.3 million and $41.5 million, respectively, of which, $54.3 million, $16.5 million and $30.1 million, respectively, was in non-accrual status. The aggregate unpaid principal balance for loans and finance receivables that were 90 days or more past due was $94.5 million, $68.2 million and $60.7 million, respectively.

Changes in the fair value of Company-owned loans and finance receivables during the three and six months ended June 30, 2026 and 2025 were as follows (in thousands):


	Three Months Ended June 30, 2026
				Small
	Consumer			Business			Total
Balance at beginning of period	$	1,763,552		$	4,109,405		$	5,872,957
Originations or acquisitions(1)		671,670			1,602,839			2,274,509
Interest and fees(2)		477,419			439,270			916,689
Repayments		(792,277	)		(1,740,543	)		(2,532,820	)
Charge-offs, net(3)		(209,952	)		(182,129	)		(392,081	)
Net change in fair value(3)		6,044			27,251			33,295
Effect of foreign currency translation		215			—			215
Balance at end of period	$	1,916,671		$	4,256,093		$	6,172,764


	Three Months Ended June 30, 2025
				Small
	Consumer			Business			Total
Balance at beginning of period	$	1,616,337		$	2,953,482		$	4,569,819
Originations or acquisitions(1)		547,572			1,238,835			1,786,407
Interest and fees(2)		428,311			326,266			754,577
Repayments		(710,838	)		(1,308,441	)		(2,019,279	)
Charge-offs, net(3)		(215,004	)		(127,876	)		(342,880	)
Net change in fair value(3)		(389	)		22,713			22,324
Effect of foreign currency translation		2,347			—			2,347
Balance at end of period	$	1,668,336		$	3,104,979		$	4,773,315


	Six Months Ended June 30, 2026
				Small
	Consumer			Business			Total
Balance at beginning of period	$	1,764,469		$	3,707,075		$	5,471,544
Originations or acquisitions(1)		1,219,186			3,336,624			4,555,810
Interest and fees(2)		923,226			856,770			1,779,996
Repayments		(1,574,168	)		(3,360,739	)		(4,934,907	)
Charge-offs, net(3)		(437,589	)		(345,086	)		(782,675	)
Net change in fair value(3)		18,140			61,449			79,589
Effect of foreign currency translation		3,407			—			3,407
Balance at end of period	$	1,916,671		$	4,256,093		$	6,172,764


	Six Months Ended June 30, 2025
				Small
	Consumer			Business			Total
Balance at beginning of period	$	1,639,307		$	2,747,137		$	4,386,444
Originations or acquisitions(1)		1,044,194			2,460,069			3,504,263
Interest and fees(2)		859,136			630,862			1,489,998
Repayments		(1,447,604	)		(2,527,503	)		(3,975,107	)
Charge-offs, net(3)		(442,789	)		(250,427	)		(693,216	)
Net change in fair value(3)		10,339			44,841			55,180
Effect of foreign currency translation		5,753			—			5,753
Balance at end of period	$	1,668,336		$	3,104,979		$	4,773,315

(1) Originations or acquisitions is presented on a cost basis.

(2) Included in “Revenue” in the consolidated statements of income.

(3) Included in “Change in Fair Value” in the consolidated statements of income.

In connection with its CSO program, the Company guarantees consumer loan payment obligations to an unrelated third-party lender for consumer loans and is required to purchase any defaulted loans it has guaranteed. The guarantee represents an obligation to purchase specific loans that go into default. As of June 30, 2026 and 2025 and December 31, 2025, the consumer loans guaranteed by the Company had an estimated fair value of $27.6 million, $23.8 million and $26.1 million, respectively, and an outstanding principal balance of $19.4 million, $16.8 million and $18.7 million, respectively. As of June 30, 2026 and 2025 and December 31, 2025, the amount of consumer loans, including principal, fees and interest, guaranteed by the Company was $23.0 million, $20.0 million and $22.3 million, respectively. These loans are not included in the consolidated balance sheets as the Company does not own the loans prior to default.