v3.26.3
UNAUDITED CONDENSED CONSOLIDATED BALANCE SHEETS - USD ($)
$ in Thousands
Sep. 30, 2026
Dec. 31, 2025
ASSETS    
Cash and cash equivalents $ 5,147 $ 6,322
Restricted cash and equivalents 174,964 165,885
Finance receivables measured at fair value 4,624,585 3,655,855
Furniture and equipment, net 1,400 771
Other assets 25,875 29,360
Total assets 4,831,971 3,858,193
Liabilities    
Accounts payable and accrued expenses 93,591 65,244
Warehouse lines of credit 735,840 324,871
Residual interest financing 190,665 142,982
Securitization trust debt 3,458,537 2,986,574
Subordinated renewable notes 28,850 28,986
Total liabilities 4,507,483 3,548,657
COMMITMENTS AND CONTINGENCIES  
Shareholders’ Equity    
Common stock, no par value; authorized  75,000,000 shares; 21,889,129 and 21,842,457 shares issued and outstanding at September 30, 2026 and December 31, 2025, respectively 20,652 24,426
Retained earnings 305,111 286,385
Accumulated other comprehensive loss (1,275) (1,275)
Total shareholders’ equity 324,488 309,536
Total liabilities and shareholders’ equity 4,831,971 3,858,193
Preferred Stock [Member]    
Shareholders’ Equity    
Preferred stock, value 0 0
Series A Preferred Stock [Member]    
Shareholders’ Equity    
Preferred stock, value 0 0
Series B Preferred Stock [Member]    
Shareholders’ Equity    
Preferred stock, value $ 0 $ 0