v3.26.1
Segment Reporting (Details) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2026
Jun. 30, 2025
Jun. 30, 2026
Jun. 30, 2025
Segment Reporting        
Number of reportable segments not disclosed flag     true  
Portfolio revenue $ 165,263 $ 140,433 $ 329,926 $ 282,747
Credit card revenue 1,623 1,798 3,358 3,696
Servicing revenue 10,654 10,477 20,695 21,208
Total Revenues 177,540 152,708 353,979 307,651
Provision for credit losses 757 560 1,380 1,101
Salaries and benefits 21,880 6,254 44,255 20,276
Servicing expenses 64,822 43,546 130,400 86,339
Depreciation and amortization 844 1,250 1,716 2,854
Professional fees 3,053 9,444 5,334 11,611
Other selling, general and administrative 4,751 5,013 9,275 9,562
Net Operating Income 81,433 86,641 161,619 175,908
Other Income / (Expense):        
Interest expense (30,370) (25,824) (60,948) (50,717)
Foreign exchange and other income / (expense) 2,270 1,089 3,718 3,620
Total other expense (28,100) (24,735) (57,230) (47,097)
Income Before Income Taxes 53,333 61,906 104,389 128,811
United States        
Segment Reporting        
Portfolio revenue 126,594 106,313 253,804 218,058
Credit card revenue 699 630 1,422 1,294
Servicing revenue 1,244 3,786 3,043 8,322
Total Revenues 128,537 110,729 258,269 227,674
Provision for credit losses 587 368 1,043 700
Salaries and benefits 15,691 618 32,256 17,363
Servicing expenses 53,165 32,522 107,753 71,810
Depreciation and amortization 559 893 1,153 2,148
Professional fees 2,423 8,727 4,135 10,362
Other selling, general and administrative 3,308 3,820 6,585 7,379
Net Operating Income 52,804 63,781 105,344 117,912
United Kingdom        
Segment Reporting        
Portfolio revenue 7,709 7,439 17,063 11,924
Servicing revenue 8,912 6,278 16,669 12,145
Total Revenues 16,621 13,717 33,732 24,069
Salaries and benefits 4,453 4,148 8,654  
Servicing expenses 4,895 5,111 9,579 3,253
Depreciation and amortization 90 88 170 171
Professional fees 244 250 448 475
Other selling, general and administrative 730 650 1,447 1,243
Net Operating Income 6,209 3,470 13,434 18,927
Canada        
Segment Reporting        
Portfolio revenue 19,125 17,634 35,261 33,746
Credit card revenue 924 1,168 1,936 2,402
Servicing revenue 498 413 983 741
Total Revenues 20,547 19,215 38,180 36,889
Provision for credit losses 170 192 337 401
Salaries and benefits 1,302 1,357 2,698 2,669
Servicing expenses 2,745 2,722 5,089 5,054
Depreciation and amortization 188 258 377 516
Professional fees 101 244 175 333
Other selling, general and administrative 430 330 771 658
Net Operating Income 15,611 14,112 28,733 27,258
Latin America        
Segment Reporting        
Portfolio revenue 11,835 9,047 23,798 19,019
Total Revenues 11,835 9,047 23,798 19,019
Salaries and benefits 434 131 647 244
Servicing expenses 4,016 3,191 7,979 6,222
Depreciation and amortization 7 11 16 19
Professional fees 285 223 575 441
Other selling, general and administrative 283 213 472 282
Net Operating Income $ 6,810 $ 5,278 $ 14,109 $ 11,811