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CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) - USD ($)
$ in Thousands
 9 Months Ended
Sep. 30, 2026
Sep. 30, 2025
Cash Flows from Operating Activities    
Net income $ 303,461 $ 229,408
Adjustments to reconcile net income to net cash provided by operating activities:    
Depreciation and amortization 27,943 32,765
Amortization of deferred loan costs and debt discount 13,305 12,329
Change in fair value of loans and finance receivables 1,095,862 977,908
Stock-based compensation expense 26,878 24,577
Loss on early extinguishment of debt 632 1,019
Operating leases, net 1,313 1,116
Deferred income taxes, net 72,086 61,539
Changes in operating assets and liabilities:    
Finance and service charges on loans and finance receivables (33,129) 6
Other receivables and prepaid expenses and other assets (9,607) (15,090)
Accounts payable and accrued expenses 14,695 (15,432)
Current income taxes 40,750 10,165
Net cash provided by operating activities 1,554,189 1,320,310
Cash Flows from Investing Activities    
Loans and finance receivables originated or acquired (6,688,842) (5,070,286)
Loans and finance receivables repaid 4,500,672 3,462,758
Capitalization of software development costs and purchases of fixed assets (34,989) (35,444)
Net cash used in investing activities (2,223,159) (1,642,972)
Cash Flows from Financing Activities    
Borrowings under revolving line of credit 1,717,000 1,201,000
Repayments under revolving line of credit (1,600,000) (1,112,000)
Borrowings under securitization facilities 1,578,801 1,050,554
Repayments under securitization facilities (817,159) (598,779)
Debt issuance costs paid (19,654) (10,428)
Debt prepayment penalty paid   (563)
Proceeds from exercise of stock options 4,517 6,209
Treasury shares purchased (105,648) (179,262)
Net cash provided by financing activities 757,857 356,731
Effect of exchange rates on cash, cash equivalents and restricted cash (350) 228
Net increase in cash, cash equivalents and restricted cash 88,537 34,297
Cash, cash equivalents and restricted cash at beginning of year 407,863 322,668
Cash, cash equivalents and restricted cash at end of period 496,400 356,965
Supplemental Disclosures    
Non-cash renewal of loans and finance receivables $ 420,218 $ 379,084