v3.26.1
Segment Information - Summary of Reportable Segments (Details) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Jan. 14, 2025
Jun. 30, 2026
Jun. 30, 2025
Jun. 30, 2026
Jun. 30, 2025
Segment Reporting Information [Line Items]          
Interest income $ 7,183 $ 43,605 $ 45,748 $ 86,081 $ 82,905
Warehouse credit facility 1,017 3,396 3,259 6,835 7,877
Securitization debt 1,178 8,586 9,883 17,206 16,431
Total interest expense 2,195 11,982 13,142 24,041 24,308
Net interest income 4,988 31,623 32,606 62,040 58,597
Realized and unrealized losses (gains), net of recoveries 6,792 10,663 19,500 35,346 30,600
Net interest income (loss) after losses and recoveries (1,804) 20,960 13,106 26,694 27,997
Servicing income 192 925 1,259 2,064 2,513
Warranties and GAP income (loss), net 307 3,291 3,645 5,977 7,724
CarStory revenue 432 1,297 1,846 2,630 4,238
Other income 113 3,156 2,067 5,197 4,548
Total noninterest income 1,044 8,669 8,817 15,868 19,023
Compensation and benefits 2,823 18,751 21,091 37,897 37,158
Professional fees 297 1,984 2,013 6,504 7,360
Software and IT costs 457 3,244 3,420 6,405 5,822
Depreciation and amortization 1,057 1,482 742 2,822 1,317
Interest expense on corporate debt 176 1,063 698 2,275 1,178
Impairment charges 0     0 4,156
Other expenses 371 2,574 2,832 4,982 5,202
Total expenses 5,181 29,098 30,796 60,885 62,193
(Benefit) provision for income taxes from continuing operations 5 (24) 59 168 209
Preferred stock dividends attributable to noncontrolling interests of subsidiary   (691)   (1,262)  
Adjusted net income (loss) (6,063) 3,837 (5,210) (11,269) (5,205)
Operating Segments | UACC          
Segment Reporting Information [Line Items]          
Interest income 7,254 43,605 45,748 86,081 82,905
Warehouse credit facility 1,017 3,396 3,259 6,835 7,877
Securitization debt 1,178 8,586 9,883 17,206 16,431
Total interest expense 2,195 11,982 13,142 24,041 24,308
Net interest income 5,059 31,623 32,606 62,040 58,597
Realized and unrealized losses (gains), net of recoveries 7,647 10,757 20,922 35,580 33,612
Net interest income (loss) after losses and recoveries (2,588) 20,866 11,684 26,460 24,985
Servicing income 192 925 1,259 2,064 2,513
Warranties and GAP income (loss), net 390 3,203 3,673 5,968 7,244
Other income 66 3,119 1,978 5,126 4,213
Total noninterest income 648 7,247 6,910 13,158 13,970
Compensation and benefits 2,398 16,352 17,443 33,089 31,137
Professional fees 172 989 1,433 4,353 4,502
Software and IT costs 367 3,179 2,688 6,144 4,774
Depreciation and amortization 817 1,381 628 2,616 1,107
Interest expense on corporate debt 85 765 698 1,526 1,178
Impairment charges         3,479
Other expenses 262 2,053 2,152 4,020 3,822
Total expenses 4,101 24,719 25,042 51,748 49,999
(Benefit) provision for income taxes from continuing operations         39
Preferred stock dividends attributable to noncontrolling interests of subsidiary   (691)   (1,262)  
Adjusted net income (loss) (5,910) 3,993 (5,334) (10,983) (6,168)
Operating Segments | CarStory          
Segment Reporting Information [Line Items]          
CarStory revenue 432 1,297 1,846 2,630 4,238
Other income 13 37 35 71 97
Total noninterest income 445 1,334 1,881 2,701 4,335
Compensation and benefits 326 1,266 1,581 2,509 2,941
Professional fees 13 42 (67) 94 (67)
Software and IT costs 2 2 3 4 3
Depreciation and amortization 240 101 114 206 210
Other expenses 20 102 136 195 274
Total expenses 601 1,513 1,767 3,008 3,361
(Benefit) provision for income taxes from continuing operations 5 31 33 57 49
Adjusted net income (loss) (153) (156) 124 (286) 963
Corporate          
Segment Reporting Information [Line Items]          
Interest income (71)        
Net interest income (71)        
Realized and unrealized losses (gains), net of recoveries (855) (94) (1,422) (233) (3,012)
Net interest income (loss) after losses and recoveries 784 94 1,422 233 3,012
Warranties and GAP income (loss), net (83) 88 (28) 9 480
Other income 34   54   238
Total noninterest income (49) 88 26 9 718
Compensation and benefits 99 1,133 2,067 2,299 3,080
Professional fees 112 953 647 2,057 2,925
Software and IT costs 88 63 729 257 1,045
Interest expense on corporate debt 91 298   749  
Impairment charges         677
Other expenses 89 419 544 767 1,106
Total expenses $ 479 2,866 3,987 6,129 8,833
(Benefit) provision for income taxes from continuing operations   $ (55) $ 26 $ 111 $ 121