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CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) - USD ($)
$ in Thousands
 6 Months Ended
Jun. 30, 2026
Jun. 30, 2025
Cash Flows from Operating Activities    
Net income $ 196,157 $ 149,094
Adjustments to reconcile net income to net cash provided by operating activities:    
Depreciation and amortization 17,327 20,409
Amortization of deferred loan costs and debt discount 8,605 7,970
Change in fair value of loans and finance receivables 703,086 638,036
Stock-based compensation expense 17,456 16,042
Loss on early extinguishment of debt   1,019
Operating leases, net 710 909
Deferred income taxes, net 48,361 17,333
Changes in operating assets and liabilities:    
Finance and service charges on loans and finance receivables (18,804) (1,862)
Other receivables and prepaid expenses and other assets 5,471 (16,730)
Accounts payable and accrued expenses 11,283 (18,359)
Current income taxes 28,922 24,647
Net cash provided by operating activities 1,018,574 838,508
Cash Flows from Investing Activities    
Loans and finance receivables originated or acquired (4,292,884) (3,260,806)
Loans and finance receivables repaid 2,904,911 2,247,079
Capitalization of software development costs and purchases of fixed assets (23,365) (24,099)
Net cash used in investing activities (1,411,338) (1,037,826)
Cash Flows from Financing Activities    
Borrowings under revolving line of credit 1,092,000 748,000
Repayments under revolving line of credit (1,109,000) (720,000)
Borrowings under securitization facilities 592,638 823,554
Repayments under securitization facilities (65,988) (450,622)
Debt issuance costs paid (2,981) (6,173)
Debt prepayment penalty paid   (563)
Proceeds from exercise of stock options 3,111 2,616
Treasury shares purchased (59,370) (140,859)
Net cash provided by financing activities 450,410 255,953
Effect of exchange rates on cash, cash equivalents and restricted cash (297) 140
Net increase in cash, cash equivalents and restricted cash 57,349 56,775
Cash, cash equivalents and restricted cash at beginning of year 407,863 322,668
Cash, cash equivalents and restricted cash at end of period 465,212 379,443
Supplemental Disclosures    
Non-cash renewal of loans and finance receivables $ 262,926 $ 243,457