v3.26.1
Segment Information (Tables)
 6 Months Ended
Jun. 30, 2026
Segment Reporting [Abstract]  
Schedule of financial information regarding the entity's reportable segments
Financial information regarding our reportable segments is set forth below for the three months ended June 30, 2026 (in millions):
MarketplaceFinanceConsolidated
Operating revenues$447.3 $107.3 $554.6 
Operating expenses
Cost of services (exclusive of depreciation and amortization)288.0 18.4 306.4 
Finance interest expense— 25.7 25.7 
Provision for credit losses1.4 7.5 8.9 
Selling, general and administrative109.9 13.9 123.8 
Depreciation and amortization19.1 3.2 22.3 
Total operating expenses487.1 
Operating profit28.9 38.6 67.5 
Interest expense10.0 
Other income, net(3.6)
Income before income taxes61.1 
Income taxes16.8 
Net income$44.3 

Financial information regarding our reportable segments is set forth below for the three months ended June 30, 2025 (in millions):
MarketplaceFinanceConsolidated
Operating revenues$375.5 $106.2 $481.7 
Operating expenses
Cost of services (exclusive of depreciation and amortization)236.6 17.8 254.4 
Finance interest expense— 26.9 26.9 
Provision for credit losses0.2 8.5 8.7 
Selling, general and administrative99.9 14.4 114.3 
Depreciation and amortization19.9 3.1 23.0 
Loss on sale of property7.0 — 7.0 
Total operating expenses434.3 
Operating profit11.9 35.5 47.4 
Interest expense3.1 
Other income, net(7.4)
Income before income taxes51.7 
Income taxes18.3 
Net income$33.4 
Financial information regarding our reportable segments is set forth below as of and for the six months ended June 30, 2026 (in millions):
MarketplaceFinanceConsolidated
Operating revenues$868.8 $213.7 $1,082.5 
Operating expenses
Cost of services (exclusive of depreciation and amortization)542.2 35.9 578.1 
Finance interest expense— 50.5 50.5 
Provision for credit losses2.0 17.2 19.2 
Selling, general and administrative220.0 28.2 248.2 
Depreciation and amortization38.8 6.4 45.2 
Total operating expenses941.2 
Operating profit65.8 75.5 141.3 
Interest expense20.1 
Other income, net(5.2)
Income before income taxes126.4 
Income taxes33.2 
Net income$93.2 
Total assets$2,036.2 $2,970.2 $5,006.4 
Capital expenditures$25.3 $1.6 $26.9 

Financial information regarding our reportable segments is set forth below as of and for the six months ended June 30, 2025 (in millions):
MarketplaceFinanceConsolidated
Operating revenues$726.7 $215.1 $941.8 
Operating expenses
Cost of services (exclusive of depreciation and amortization)461.1 34.9 496.0 
Finance interest expense— 54.5 54.5 
Provision for credit losses0.5 17.5 18.0 
Selling, general and administrative194.6 26.9 221.5 
Depreciation and amortization39.6 6.1 45.7 
Loss on sale of property7.0 — 7.0 
Total operating expenses842.7 
Operating profit23.9 75.2 99.1 
Interest expense7.1 
Other income, net(12.4)
Income before income taxes104.4 
Income taxes34.1 
Net income$70.3 
Total assets$1,924.7 $2,713.6 $4,638.3 
Capital expenditures$24.2 $1.9 $26.1 
Schedule of information regarding the geographic areas of entity's operations Information regarding the geographic areas of our operations is set forth below (in millions):
Three Months Ended June 30,Six Months Ended June 30,
2026202520262025
Operating revenues
U.S. $339.2 $272.6 $656.7 $542.9 
Foreign215.4 209.1 425.8 398.9 
$554.6 $481.7 $1,082.5 $941.8 
June 30,
2026		December 31,
2025
Long-lived assets
U.S.$919.4 $935.0 
Foreign719.5 735.9 
$1,638.9 $1,670.9