v3.26.3
Consolidated Statements of Cash Flows - USD ($)
$ in Thousands
 9 Months Ended
Sep. 30, 2026
Sep. 30, 2025
Cash flows from operating activities:    
Net income $ 34,667 $ 31,503
Adjustments to reconcile net income to net cash provided by operating activities:    
Provision for credit losses 200,037 179,053
Depreciation and amortization 14,694 11,723
Amortization of deferred fees and costs (8,724) (12,114)
Loss on disposal of intangibles, property, and equipment 225 293
Share-based compensation 6,236 9,059
Deferred income taxes, net (2,149) 8,718
Changes in operating assets and liabilities:    
Increase (decrease) in unearned insurance premiums (3,823) 2,919
Increase in lease assets (2,075) (2,340)
(Increase) decrease in other assets 7,231 (1,835)
Decrease in accounts payable and accrued expenses (4,065) (299)
Increase in lease liabilities 2,050 2,327
Net cash provided by operating activities 244,304 229,007
Cash flows from investing activities:    
Originations and purchases of finance receivables (1,425,863) (1,428,980)
Repayments of finance receivables 1,173,688 1,114,056
Purchases of intangible assets (10,242) (9,334)
Purchases of property and equipment (3,402) (3,307)
Purchases of restricted AFS investments (22,060) (19,910)
Proceeds from maturities of restricted AFS investments 22,377 19,460
Net cash used in investing activities (265,502) (328,015)
Cash flows from financing activities:    
Advances on revolving credit facilities 1,224,763 1,356,785
Payments on revolving credit facilities (1,037,152) (1,290,457)
Advances on securitizations 0 265,000
Payments on securitizations (89,039) (228,134)
Payments for debt issuance costs (1,468) (5,440)
Taxes paid related to net share settlement of equity awards (1,560) (592)
Payments for Cash dividends (8,778) (8,768)
Repurchases of common stock (22,661) (16,478)
Net cash provided by financing activities 64,105 71,916
Net change in cash and restricted cash 42,907 (27,092)
Cash and restricted cash at beginning of period 97,997 135,635
Cash and restricted cash at end of period 140,904 108,543
Supplemental cash flow information:    
Interest paid 63,962 57,281
Income taxes refunded 6,303 6,362
Operating leases paid 10,710 9,648
Non-cash lease assets obtained in exchange for operating lease liabilities $ 10,411 $ 9,906