Revenue generated from the Company’s loans and finance receivables for the three and nine months ended September 30, 2026 and 2025 was as follows (in thousands):


	Three Months Ended				Nine Months Ended
	September 30,				September 30,
	2026		2025		2026		2025
Consumer loans and finance receivables revenue	$	537,120	$	443,413	$	1,460,346	$	1,302,549
Small business loans and finance receivables revenue		458,737		348,310		1,315,507		979,172
Total loans and finance receivables revenue		995,857		791,723		2,775,853		2,281,721
Other		13,315		10,955		37,388		30,541
Total revenue	$	1,009,172	$	802,678	$	2,813,241	$	2,312,262

The components of Company-owned loans and finance receivables at September 30, 2026 and 2025 and December 31, 2025 were as follows (in thousands):


	As of September 30, 2026
			Small
	Consumer		Business		Total
Principal balance - accrual	$	1,526,370	$	3,628,449	$	5,154,819
Principal balance - non-accrual		205,848		329,662		535,510
Total principal balance		1,732,218		3,958,111		5,690,329

Accrued interest and fees		160,942		26,470		187,412

Loans and finance receivables at fair value - accrual		2,039,335		4,230,047		6,269,382
Loans and finance receivables at fair value - non-accrual		91,592		234,993		326,585
Loans and finance receivables at fair value	$	2,130,927	$	4,465,040	$	6,595,967
Difference between principal balance and fair value	$	398,709	$	506,929	$	905,638


	As of September 30, 2025
			Small
	Consumer		Business		Total
Principal balance - accrual	$	1,226,886	$	2,769,672	$	3,996,558
Principal balance - non-accrual		169,725		178,618		348,343
Total principal balance		1,396,611		2,948,290		4,344,901

Accrued interest and fees		129,378		26,081		155,459

Loans and finance receivables at fair value - accrual		1,615,085		3,191,288		4,806,373
Loans and finance receivables at fair value - non-accrual		79,754		126,726		206,480
Loans and finance receivables at fair value	$	1,694,839	$	3,318,014	$	5,012,853
Difference between principal balance and fair value	$	298,228	$	369,724	$	667,952


	As of December 31, 2025
			Small
	Consumer		Business		Total
Principal balance - accrual	$	1,294,991	$	3,079,986	$	4,374,977
Principal balance - non-accrual		151,947		221,090		373,037
Total principal balance		1,446,938		3,301,076		4,748,014

Accrued interest and fees		126,825		27,448		154,273

Loans and finance receivables at fair value - accrual		1,694,851		3,550,186		5,245,037
Loans and finance receivables at fair value - non-accrual		69,618		156,889		226,507
Loans and finance receivables at fair value	$	1,764,469	$	3,707,075	$	5,471,544
Difference between principal balance and fair value	$	317,531	$	405,999	$	723,530

As of September 30, 2026 and 2025 and December 31, 2025, the aggregate fair value of loans and finance receivables that were 90 days or more past due was $76.4 million, $36.7 million and $41.5 million, respectively, of which, $64.2 million, $23.0 million and $30.1 million, respectively, was in non-accrual status. The aggregate unpaid principal balance for loans and finance receivables that were 90 days or more past due was $106.6 million, $59.5 million and $60.7 million, respectively.

Changes in the fair value of Company-owned loans and finance receivables during the three and nine months ended September 30, 2026 and 2025 were as follows (in thousands):


	Three Months Ended September 30, 2026
				Small
	Consumer			Business			Total
Balance at beginning of period	$	1,916,671		$	4,256,093		$	6,172,764
Originations or acquisitions(1)		792,846			1,760,404			2,553,250
Interest and fees(2)		537,120			458,737			995,857
Repayments		(868,333	)		(1,864,624	)		(2,732,957	)
Charge-offs, net(3)		(276,428	)		(186,029	)		(462,457	)
Net change in fair value(3)		29,222			40,459			69,681
Effect of foreign currency translation		(171	)		—			(171	)
Balance at end of period	$	2,130,927		$	4,465,040		$	6,595,967


	Three Months Ended September 30, 2025
				Small
	Consumer			Business			Total
Balance at beginning of period	$	1,668,336		$	3,104,979		$	4,773,315
Originations or acquisitions(1)		573,232			1,371,874			1,945,106
Interest and fees(2)		443,413			348,310			791,723
Repayments		(744,432	)		(1,414,066	)		(2,158,498	)
Charge-offs, net(3)		(249,545	)		(128,266	)		(377,811	)
Net change in fair value(3)		2,756			35,183			37,939
Effect of foreign currency translation		1,079			—			1,079
Balance at end of period	$	1,694,839		$	3,318,014		$	5,012,853


	Nine Months Ended September 30, 2026
				Small
	Consumer			Business			Total
Balance at beginning of period	$	1,764,469		$	3,707,075		$	5,471,544
Originations or acquisitions(1)		2,012,032			5,097,028			7,109,060
Interest and fees(2)		1,460,346			1,315,507			2,775,853
Repayments		(2,442,501	)		(5,225,363	)		(7,667,864	)
Charge-offs, net(3)		(714,017	)		(531,115	)		(1,245,132	)
Net change in fair value(3)		47,362			101,908			149,270
Effect of foreign currency translation		3,236			—			3,236
Balance at end of period	$	2,130,927		$	4,465,040		$	6,595,967


	Nine Months Ended September 30, 2025
				Small
	Consumer			Business			Total
Balance at beginning of period	$	1,639,307		$	2,747,137		$	4,386,444
Originations or acquisitions(1)		1,617,426			3,831,943			5,449,369
Interest and fees(2)		1,302,549			979,172			2,281,721
Repayments		(2,192,036	)		(3,941,569	)		(6,133,605	)
Charge-offs, net(3)		(692,334	)		(378,693	)		(1,071,027	)
Net change in fair value(3)		13,095			80,024			93,119
Effect of foreign currency translation		6,832			—			6,832
Balance at end of period	$	1,694,839		$	3,318,014		$	5,012,853

(1) Originations or acquisitions is presented on a cost basis.

(2) Included in “Revenue” in the consolidated statements of income.

(3) Included in “Change in Fair Value” in the consolidated statements of income.

In connection with its CSO program, the Company guarantees consumer loan payment obligations to an unrelated third-party lender for consumer loans and is required to purchase any defaulted loans it has guaranteed. The guarantee represents an obligation to purchase specific loans that go into default. As of September 30, 2026 and 2025 and December 31, 2025, the consumer loans guaranteed by the Company had an estimated fair value of $27.6 million, $24.4 million and $26.1 million, respectively, and an outstanding principal balance of $16.8 million, $17.3 million and $18.7 million, respectively. As of September 30, 2026 and 2025 and December 31, 2025, the amount of consumer loans, including principal, fees and interest, guaranteed by the Company was $20.1 million, $20.8 million and $22.3 million, respectively. These loans are not included in the consolidated balance sheets as the Company does not own the loans prior to default.