Condensed Consolidated Statements of Income (Unaudited) - USD ($) $ in Thousands |
3 Months Ended | 6 Months Ended | ||
|---|---|---|---|---|
Jun. 30, 2026 |
Jun. 30, 2025 |
Jun. 30, 2026 |
Jun. 30, 2025 |
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| Revenue and other income: | ||||
| Consumer loans, including past due fees | $ 545,086 | $ 276,350 | $ 1,074,531 | $ 524,005 |
| Fees and related income on earning assets | 150,878 | 94,285 | 261,307 | 172,626 |
| Other revenue | 48,350 | 23,185 | 88,010 | 42,062 |
| Total operating revenue and other income | 744,314 | 393,820 | 1,423,848 | 738,693 |
| Other non-operating income | 9 | 343 | 64 | 636 |
| Total revenue and other income | 744,323 | 394,163 | 1,423,912 | 739,329 |
| Interest expense | (123,431) | (53,684) | (246,192) | (101,214) |
| Provision for credit losses | (1,038) | (1,382) | (2,638) | (2,450) |
| Increase (Decrease) in Fair Value of Loans and Fees Receivable Recorded at Fair Value | (396,280) | (216,777) | (761,804) | (395,122) |
| Net margin | 223,574 | 122,320 | 413,278 | 240,543 |
| Operating expenses: | ||||
| Salaries and benefits | (27,250) | (13,381) | (55,896) | (28,884) |
| Card and loan servicing | (57,863) | (34,085) | (102,781) | (66,237) |
| Marketing and solicitation | (48,130) | (24,949) | (84,603) | (45,283) |
| Depreciation and amortization | (3,592) | (885) | (7,178) | (1,682) |
| Other | (20,732) | (8,874) | (37,965) | (17,443) |
| Total operating expenses | (157,567) | (82,174) | (288,423) | (159,529) |
| Income before income taxes | 66,007 | 40,146 | 124,855 | 81,014 |
| Income tax expense | (16,286) | (9,856) | (30,557) | (19,602) |
| Net income | 49,721 | 30,290 | 94,298 | 61,412 |
| Net (loss) income attributable to noncontrolling interests | (2) | 283 | (404) | 681 |
| Net income attributable to controlling interests | 49,719 | 30,573 | 93,894 | 62,093 |
| Preferred stock and preferred unit dividends and discount accretion | (2,308) | (2,222) | (4,616) | (5,796) |
| Net income attributable to common shareholders | $ 47,411 | $ 28,351 | $ 89,278 | $ 56,297 |
| Net income attributable to common shareholders per common share—basic (in dollars per share) | $ 3.13 | $ 1.87 | $ 5.93 | $ 3.72 |
| Net income attributable to common shareholders per common share—diluted (in dollars per share) | $ 2.5 | $ 1.51 | $ 4.74 | $ 3 |
| X | ||||||||||
- Definition Fees and related income on earning assets primarily include: (1) lending fees; (2) fees associated with our credit card receivables; (3) changes in the fair value of loans and fees receivable; (4) changes in fair value of notes payable associated with structured financings; (5) income on investments in previously charged-off receivables; (6) gross profits and losses from auto sales; (7) gains associated with investments in securities; and (8) gains realized associated with our settlement of litigation. No definition available.
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- Definition Represents the increase (decrease) during the period in the fair value of loans and fees receivable. No definition available.
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- Definition Amount of expense for provision for losses on loans and fees receivable recorded at net realizable value. No definition available.
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- Definition The aggregate costs related to goods produced and sold and services rendered by an entity during the reporting period. This excludes costs incurred during the reporting period related to financial services rendered and other revenue generating activities. Reference 1: http://www.xbrl.org/2003/role/exampleRef
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- Definition The expense recognized in the current period that allocates the cost of nonproduction tangible assets over their useful lives. Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
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- Definition The amount of net income (loss) for the period per each share of common stock or unit outstanding during the reporting period. Reference 1: http://www.xbrl.org/2003/role/disclosureRef
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- Definition The amount of net income (loss) for the period available to each share of common stock or common unit outstanding during the reporting period and to each share or unit that would have been outstanding assuming the issuance of common shares or units for all dilutive potential common shares or units outstanding during the reporting period. Reference 1: http://www.xbrl.org/2003/role/disclosureRef
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- Definition Amount of income (loss) from continuing operations, including income (loss) from equity method investments, before deduction of income tax expense (benefit), and income (loss) attributable to noncontrolling interest. Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
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- Definition Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations. Reference 1: http://www.xbrl.org/2003/role/disclosureRef
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- Definition Represents the total of interest and dividend income, including any amortization and accretion (as applicable) of discounts and premiums, earned from (1) loans and leases whether held-for-sale or held-in-portfolio; (2) investment securities; (3) federal funds sold; (4) securities purchased under agreements to resell; (5) investments in banker's acceptances, commercial paper, or certificates of deposit; (6) dividend income; or (7) other investments not otherwise specified herein. Reference 1: http://www.xbrl.org/2003/role/exampleRef
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- Definition Interest and fee income generated from consumer loans. Consumer loans are loans to individuals for household, family, and other personal expenditures. Such loans include residential mortgages, home equity lines-of-credit, automobiles and marine transport loans, credit card transactions, and others. Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
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- Definition Amount of interest expense classified as operating and nonoperating. Includes, but is not limited to, cost of borrowing accounted for as interest expense. Reference 1: http://www.xbrl.org/2003/role/disclosureRef
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- Definition Amount of expense for salary, wage, profit sharing; incentive and equity-based compensation; and other employee benefit. Reference 1: http://www.xbrl.org/2003/role/exampleRef
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- Definition The total expense recognized in the period for promotion, public relations, and brand or product advertising. Reference 1: http://www.xbrl.org/2003/role/exampleRef
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- Definition The portion of profit or loss for the period, net of income taxes, which is attributable to the parent. Reference 1: http://www.xbrl.org/2003/role/disclosureRef
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- Definition Amount of Net Income (Loss) attributable to noncontrolling interest. Reference 1: http://www.xbrl.org/2003/role/disclosureRef
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- Definition Amount, after deduction of tax, noncontrolling interests, dividends on preferred stock and participating securities; of income (loss) available to common shareholders. Reference 1: http://www.xbrl.org/2003/role/disclosureRef
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- Definition Total aggregate amount of all noninterest expense. Reference 1: http://www.xbrl.org/2003/role/exampleRef
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- References No definition available.
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- Definition Amount, after discount, accretion and premium amortization, of interest income and dividend income classified as other. Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
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- Definition Amount of noninterest expense classified as other. Reference 1: http://www.xbrl.org/2003/role/exampleRef
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- Definition Amount of income (expense) related to nonoperating activities, classified as other. Reference 1: http://www.xbrl.org/2003/role/exampleRef
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- Definition The amount of preferred stock dividends that is an adjustment to net income apportioned to common stockholders. Reference 1: http://www.xbrl.org/2003/role/disclosureRef
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- Definition The consolidated profit or loss for the period, net of income taxes, including the portion attributable to the noncontrolling interest. Reference 1: http://www.xbrl.org/2003/role/disclosureRef
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- Definition Amount of revenue recognized from goods sold, services rendered, insurance premiums, or other activities that constitute an earning process. Includes, but is not limited to, investment and interest income before deduction of interest expense when recognized as a component of revenue, and sales and trading gain (loss). Reference 1: http://www.xbrl.org/2003/role/disclosureRef
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- References No definition available.
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- Definition Amount of revenue recognized from goods sold, services rendered, insurance premiums, or other activities that constitute an earning process. Includes, but is not limited to, investment and interest income after deduction of interest expense when recognized as a component of revenue, and sales and trading gain (loss). Reference 1: http://www.xbrl.org/2003/role/disclosureRef
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