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We specialize in purchasing and servicing retail automobile installment sale contracts (“automobile contracts” or “finance receivables”) originated by licensed motor vehicle dealers located throughout the United States (“dealers”) in the sale of new and used automobiles, light trucks and passenger vans. Through our purchases, we provide indirect financing to dealer customers for borrowers with limited credit histories or past credit problems (“sub-prime customers”). We serve as an alternative source of financing for dealers, allowing sales to customers who otherwise might not be able to obtain financing. In addition to purchasing installment purchase contracts directly from dealers, we also, to a lesser extent, originate loans directly to consumers for the refinancing of an existing loan from other lenders secured by an automobile and have also (i) lent money directly to consumers for vehicle purchase money loans secured by vehicles, (ii) purchased immaterial amounts of vehicle purchase money loans from non-affiliated lenders, and (iii) acquired installment purchase contracts in four merger and acquisition transactions. In this report, we refer to all of such contracts and loans as "automobile contracts."</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p id="xdx_843_eus-gaap--BasisOfAccountingPolicyPolicyTextBlock_zml5sEldQmaf" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_867_zsSqxE8chm3h">Basis of Presentation</span></b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Our Unaudited Condensed Consolidated Financial Statements have been prepared in conformity with accounting principles generally accepted in the United States of America, with the instructions to Form 10-Q and with Article 10 of Regulation S-X of the Securities and Exchange Commission, and include all adjustments that are, in management’s opinion, necessary for a fair presentation of the results for the interim periods presented. All such adjustments are, in the opinion of management, of a normal recurring nature. Results for the nine-month period ended September 30, 2026, are not necessarily indicative of the operating results to be expected for the full year.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Certain information and footnote disclosures normally included in financial statements prepared in accordance with accounting principles generally accepted in the United States of America have been condensed or omitted from these Unaudited Condensed Consolidated Financial Statements. These Unaudited Condensed Consolidated Financial Statements should be read in conjunction with the Consolidated Financial Statements and Notes to Consolidated Financial Statements included in our Annual Report on Form 10-K for the year ended December 31, 2025.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p id="xdx_84B_eus-gaap--UseOfEstimates_zxNS3K0l3sAa" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_860_zUB6LbJMINM1">Use of Estimates</span></b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in">The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires us to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the financial statements, as well as the reported amounts of income and expenses during the reported periods.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"> </p> <p id="xdx_846_eus-gaap--FinanceLoansAndLeasesReceivablePolicy_zOWrsvIaSNB3" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><b><span id="xdx_86A_z2gnwuRUBNv1">Finance Receivables Measured at Fair Value</span></b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Effective January 1, 2018, we adopted the fair value method of accounting for finance receivables acquired on or after that date. For each finance receivable acquired after 2017, we consider the price paid on the purchase date as the fair value for such receivable. We estimate the cash to be received in the future with respect to such receivables, based on our experience with similar receivables acquired in the past. We then compute the internal rate of return that results in the present value of those estimated cash receipts being equal to the purchase date fair value. Thereafter, we recognize interest income on such receivables on a level yield basis using that internal rate of return as the applicable interest rate. Cash received with respect to such receivables is applied first against such interest income, and then to reduce the recorded value of the receivables.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">We re-evaluate the fair value of such receivables at the close of each measurement period. If the reevaluation were to yield a value materially different from the recorded value, an adjustment would be required.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Anticipated credit losses are included in our estimation of cash to be received with respect to receivables.  In accordance with the fair value accounting standards, credit losses are included in our computation of the appropriate level yield, therefore we do not thereafter make periodic provision for credit losses, as our best estimate of the lifetime aggregate of credit losses is included in that initial computation. Also, because we include anticipated credit losses in our computation of the level yield, the computed level yield is materially lower than the average contractual rate applicable to the receivables. Because our initial recorded value is fixed as the price we pay for the receivable, rather than the contractual principal balance, we do not record acquisition fees as an amortizing asset related to the receivables, nor do we capitalize costs of acquiring the receivables. Rather we recognize the costs of acquisition as expenses in the period incurred.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p id="xdx_848_eus-gaap--RevenueRecognitionPolicyTextBlock_z8lWP9lyHNsg" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><b><span id="xdx_867_zieNrPRXPIg">Other Income</span></b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in">The following table presents the primary components of Other Income for the three-month and nine-month periods ending September 30, 2026, and 2025</p> <table cellpadding="0" cellspacing="0" id="xdx_89B_eus-gaap--ScheduleOfOtherNonoperatingIncomeByComponentTextBlock_pn3n3_z0taFll5IqZi" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Other income)"> <tr style="vertical-align: bottom; background-color: White"> <td><span id="xdx_8BE_ztS04XDUZG1c" style="display: none">Schedule of other income</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Three Months Ended</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Nine Months Ended</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2026</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2025</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2026</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2025</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-indent: -10pt; padding-left: 10pt; width: 40%; text-align: left">Origination and servicing fees from third party receivables</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_982_eus-gaap--OtherIncome_pn3n3_c20260701__20260930__us-gaap--NatureOfExpenseAxis__custom--OtherOperatingIncomeMember__us-gaap--TransactionTypeAxis__custom--OriginationAndServicingFeesFromThirdPartyReceivablesMember_zSMTKxzkodye" style="width: 11%; text-align: right" title="Other income">1,353</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_987_eus-gaap--OtherIncome_pn3n3_c20250701__20250930__us-gaap--NatureOfExpenseAxis__custom--OtherOperatingIncomeMember__us-gaap--TransactionTypeAxis__custom--OriginationAndServicingFeesFromThirdPartyReceivablesMember_zd4V0PssfRA9" style="width: 11%; text-align: right" title="Other income">1,248</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98D_eus-gaap--OtherIncome_pn3n3_c20260101__20260930__us-gaap--NatureOfExpenseAxis__custom--OtherOperatingIncomeMember__us-gaap--TransactionTypeAxis__custom--OriginationAndServicingFeesFromThirdPartyReceivablesMember_zZTU8YcGXIRb" style="width: 11%; text-align: right" title="Other income">4,078</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98B_eus-gaap--OtherIncome_pn3n3_c20250101__20250930__us-gaap--NatureOfExpenseAxis__custom--OtherOperatingIncomeMember__us-gaap--TransactionTypeAxis__custom--OriginationAndServicingFeesFromThirdPartyReceivablesMember_zKTB4305zqPd" style="width: 11%; text-align: right" title="Other income">4,063</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt">Other</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--OtherIncome_pn3n3_c20260701__20260930__us-gaap--NatureOfExpenseAxis__custom--OtherOperatingIncomeMember__us-gaap--TransactionTypeAxis__custom--OtherMember_zufzP1pbybh7" style="border-bottom: Black 1pt solid; text-align: right" title="Other income">1,475</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_988_eus-gaap--OtherIncome_pn3n3_c20250701__20250930__us-gaap--NatureOfExpenseAxis__custom--OtherOperatingIncomeMember__us-gaap--TransactionTypeAxis__custom--OtherMember_zIL6ahOUR4r2" style="border-bottom: Black 1pt solid; text-align: right" title="Other income">7</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--OtherIncome_pn3n3_c20260101__20260930__us-gaap--NatureOfExpenseAxis__custom--OtherOperatingIncomeMember__us-gaap--TransactionTypeAxis__custom--OtherMember_znafmBi6ldM6" style="border-bottom: Black 1pt solid; text-align: right" title="Other income">5,640</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98B_eus-gaap--OtherIncome_pn3n3_c20250101__20250930__us-gaap--NatureOfExpenseAxis__custom--OtherOperatingIncomeMember__us-gaap--TransactionTypeAxis__custom--OtherMember_zkM8sCDOjxE6" style="border-bottom: Black 1pt solid; text-align: right" title="Other income">35</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Other income for the period</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_985_eus-gaap--OtherIncome_pn3n3_c20260701__20260930_z33YsPcWShv8" style="border-bottom: Black 2.5pt double; text-align: right" title="Other income for the period">2,828</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_985_eus-gaap--OtherIncome_pn3n3_c20250701__20250930_zBuSrmP6m8V9" style="border-bottom: Black 2.5pt double; text-align: right" title="Other income for the period">1,255</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_984_eus-gaap--OtherIncome_pn3n3_c20260101__20260930_zsru4Tw1qRGk" style="border-bottom: Black 2.5pt double; text-align: right" title="Other income for the period">9,718</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_986_eus-gaap--OtherIncome_pn3n3_c20250101__20250930_zs8BsFAacNmh" style="border-bottom: Black 2.5pt double; text-align: right" title="Other income for the period">4,098</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8AC_zAbLoy2rPLf8" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"> </p> <p id="xdx_843_eus-gaap--LesseeLeasesPolicyTextBlock_zHkMhxGHsmu4" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_860_zmE2jwAuLDk7">Leases</span></b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The Company has operating leases for corporate offices, equipment, software and hardware. The Company has entered into operating leases for the majority of its real estate locations, primarily office space. These leases are generally for periods of three to seven years with various renewal options. The depreciable life of leased assets is limited by the expected lease term. Leases with an initial term of 12 months or less are not recorded on the balance sheet and the related lease expense is recognized on a straight-line basis over the lease term.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in">The following table presents the supplemental balance sheet information related to leases:</p> <table cellpadding="0" cellspacing="0" id="xdx_897_esrt--ScheduleOfCondensedBalanceSheetTableTextBlock_pn3n3_zybZkmZ1Gc8d" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Supplemental balance sheet information related to leases)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8B4_zMNNZgSy9dF5" style="display: none">Schedule of supplemental balance sheet information related to leases</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_491_20260930_zsO5Nsh8GxL6" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49D_20251231_zIofhh6E3Gs1" style="text-align: center"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">September 30,</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">December 31,</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2026</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2025</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td></tr> <tr id="xdx_40C_eus-gaap--AssetsAndLiabilitiesLesseeAbstract_iB_ziArzMwNZts2" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="font-weight: bold; text-align: left">Operating Leases</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_ecustom--OperatingLeaseRightOfUseAssetGross_i01I_zjAPLblK6Nyd" style="vertical-align: bottom; background-color: White"> <td style="width: 66%; text-align: left">Operating lease right-of-use assets</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">53,225</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">53,225</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_401_ecustom--OperatingLeaseRightOfUseAssetAccumulatedAmortization_i01NI_di_zhISqipwoOfl" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 1pt">Less: Accumulated amortization right-of-use assets</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(39,764</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(36,281</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_40B_eus-gaap--OperatingLeaseRightOfUseAsset_i01I_zbX4utVSu9xh" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt">Operating lease right-of-use assets, net</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">13,461</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">16,944</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--OperatingLeaseLiability_iNI_di_zxxcHdzIM9w8" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Operating lease liabilities</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(15,533</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(19,236</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_ecustom--FinanceLeasesAbstract_iB_zPhdvOa8F826" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left">Finance Leases</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--FinanceLeaseRightOfUseAssetBeforeAccumulatedAmortization_iI_zxpWcycWQ1Xk" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Property and equipment, at cost</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">4,733</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">4,097</td><td style="text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--FinanceLeaseRightOfUseAssetAccumulatedAmortization_iNI_di_zd8CtPe5kHH4" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Less: Accumulated depreciation</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(3,969</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(3,684</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_407_eus-gaap--FinanceLeaseRightOfUseAsset_iI_z6jiKs0tTVBk" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Property and equipment, net</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">764</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">413</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--FinanceLeaseLiability_iNI_di_zLLytvL7nzLf" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Finance lease liabilities</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(791</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(428</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_ecustom--WeightedAverageDiscountRateAbstract_iB_z4IEEPpp63xl" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="font-weight: bold">Weighted Average Discount Rate</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--OperatingLeaseWeightedAverageDiscountRatePercent_iI_pip0_dp_z4SHyPNms2gd" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Operating lease</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5.0%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5.0%</td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--FinanceLeaseWeightedAverageDiscountRatePercent_iI_pip0_dp_zYF6tn7zbZ5c" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Finance lease</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6.6%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6.4%</td><td style="text-align: left"> </td></tr> </table> <p id="xdx_8AD_zxaOn2tkUF12" style="margin: 0"> </p> <table cellpadding="0" cellspacing="0" id="xdx_89B_ecustom--LesseeOperatingAndFinanceLeaseLiablityMaturityTableTextBlock_pn3n3_zsIINdXkCQij" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Maturities of lease liabilities)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8B3_zOv4SEZCeYvk" style="display: none">Schedule of maturities of lease liabilities</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left">Maturities of lease liabilities were as follows:</td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: left">(In thousands)</td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Operating</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Finance</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; text-align: left">Year Ending December 31,</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Lease</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Lease</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; width: 66%">2026 (excluding the nine months ended September 30, 2026)</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98B_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsRemainderOfFiscalYear_iI_pn3n3_c20260930__us-gaap--PropertyPlantAndEquipmentByTypeAxis__custom--OperatingLeaseMember_zloiRoVtCETd" style="width: 13%; text-align: right" title="Operating lease, 2026 (excluding the nine months ended September 30, 2026)">1,408</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_985_eus-gaap--FinanceLeaseLiabilityPaymentsRemainderOfFiscalYear_iI_pn3n3_c20260930__us-gaap--PropertyPlantAndEquipmentByTypeAxis__custom--FinanceLeaseMember_zxCnxBRAqMdg" style="width: 13%; text-align: right" title="Finance lease, 2026 (excluding the nine months ended September 30, 2026)">113</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">2027</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths_iI_pn3n3_c20260930__us-gaap--PropertyPlantAndEquipmentByTypeAxis__custom--OperatingLeaseMember_zFQd5R1jrUD9" style="text-align: right" title="Operating lease, 2027">5,756</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--FinanceLeaseLiabilityPaymentsDueNextTwelveMonths_iI_pn3n3_c20260930__us-gaap--PropertyPlantAndEquipmentByTypeAxis__custom--FinanceLeaseMember_zIqEwrnsf2cg" style="text-align: right" title="Finance lease, 2027">393</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">2028</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueYearTwo_iI_pn3n3_c20260930__us-gaap--PropertyPlantAndEquipmentByTypeAxis__custom--OperatingLeaseMember_zNj3USDyJoS5" style="text-align: right" title="Operating lease, 2028">5,937</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--FinanceLeaseLiabilityPaymentsDueYearTwo_iI_pn3n3_c20260930__us-gaap--PropertyPlantAndEquipmentByTypeAxis__custom--FinanceLeaseMember_zP3vdHDxWgue" style="text-align: right" title="Finance lease, 2028">271</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">2029</td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueYearThree_iI_pn3n3_c20260930__us-gaap--PropertyPlantAndEquipmentByTypeAxis__custom--OperatingLeaseMember_zFvKmhktzS59" style="text-align: right" title="Operating lease, 2029">4,331</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--FinanceLeaseLiabilityPaymentsDueYearThree_iI_pn3n3_c20260930__us-gaap--PropertyPlantAndEquipmentByTypeAxis__custom--FinanceLeaseMember_zC1vzUoTJzBf" style="text-align: right" title="Finance lease, 2029">43</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">2030</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueYearFour_iI_pn3n3_c20260930__us-gaap--PropertyPlantAndEquipmentByTypeAxis__custom--OperatingLeaseMember_z1giwfRhwVgl" style="text-align: right" title="Operating lease, 2030">1,171</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--FinanceLeaseLiabilityPaymentsDueYearFour_iI_pn3n3_c20260930__us-gaap--PropertyPlantAndEquipmentByTypeAxis__custom--FinanceLeaseMember_zrHTDaepIWSb" style="text-align: right" title="Finance lease, 2030">27</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">2031</td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueYearFive_iI_pn3n3_c20260930__us-gaap--PropertyPlantAndEquipmentByTypeAxis__custom--OperatingLeaseMember_zeR5wb5V3ma1" style="text-align: right" title="Operating lease, 2031">719</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--FinanceLeaseLiabilityPaymentsDueYearFive_iI_pn3n3_c20260930__us-gaap--PropertyPlantAndEquipmentByTypeAxis__custom--FinanceLeaseMember_zybniHJMfzK6" style="text-align: right" title="Finance lease, 2031">20</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 1pt">Thereafter</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive_iI_pn3n3_c20260930__us-gaap--PropertyPlantAndEquipmentByTypeAxis__custom--OperatingLeaseMember_zWsuYFSD3mog" style="border-bottom: Black 1pt solid; text-align: right" title="Operating lease, thereafter">50</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--FinanceLeaseLiabilityPaymentsDueAfterYearFive_iI_pn3n3_d0_c20260930__us-gaap--PropertyPlantAndEquipmentByTypeAxis__custom--FinanceLeaseMember_zUlTksBEikc4" style="border-bottom: Black 1pt solid; text-align: right" title="Finance lease, thereafter">–</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Total undiscounted lease payments</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDue_iI_pn3n3_c20260930__us-gaap--PropertyPlantAndEquipmentByTypeAxis__custom--OperatingLeaseMember_z190BqADwP7l" style="text-align: right" title="Operating lease, total undiscounted lease payments">19,372</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--FinanceLeaseLiabilityPaymentsDue_iI_pn3n3_c20260930__us-gaap--PropertyPlantAndEquipmentByTypeAxis__custom--FinanceLeaseMember_zvnSChwXXcik" style="text-align: right" title="Finance lease, total undiscounted lease payments">867</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 1pt">Less amounts representing interest</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--LesseeOperatingLeaseLiabilityUndiscountedExcessAmount_iNI_pn3n3_di_c20260930__us-gaap--PropertyPlantAndEquipmentByTypeAxis__custom--OperatingLeaseMember_zz5Y3b72gBl" style="border-bottom: Black 1pt solid; text-align: right" title="Operating lease, less amounts representing interest">(3,839</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98B_eus-gaap--FinanceLeaseLiabilityUndiscountedExcessAmount_iNI_pn3n3_di_c20260930__us-gaap--PropertyPlantAndEquipmentByTypeAxis__custom--FinanceLeaseMember_z0U4smiTXu2a" style="border-bottom: Black 1pt solid; text-align: right" title="Finance lease, less amounts representing interest">(76</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt">Lease Liability</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98A_eus-gaap--OperatingLeaseLiability_pn3n3_c20260930__us-gaap--PropertyPlantAndEquipmentByTypeAxis__custom--OperatingLeaseMember_zlFneTLrISU" style="border-bottom: Black 2.5pt double; text-align: right" title="Operating Lease Liability">15,533</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98A_eus-gaap--FinanceLeaseLiability_iI_pn3n3_c20260930__us-gaap--PropertyPlantAndEquipmentByTypeAxis__custom--FinanceLeaseMember_zNZere9Timn4" style="border-bottom: Black 2.5pt double; text-align: right" title="Finance Lease Liability">791</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A6_zzIcOWxiDGjd" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in">The following table presents the lease expense included in General and administrative and Occupancy expense on our Unaudited Condensed Consolidated Statement of Operations:</p> <table cellpadding="0" cellspacing="0" id="xdx_893_eus-gaap--LeaseCostTableTextBlock_pn3n3_z91kGIcyZEnc" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Lease cost)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8BB_z56eLRixsmY" style="display: none">Schedule of lease cost</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_49B_20260701__20260930_zNgTMqcQFAh5" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49B_20250701__20250930_zjphgEOWc7ic" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49E_20260101__20260930_zQMUAnciDECf" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_492_20250101__20250930_znZEKLPCUbm7" style="text-align: center"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Three Months Ended</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Nine Months Ended</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2026</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2025</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2026</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2025</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr id="xdx_407_eus-gaap--OperatingLeaseCost_zsAaXg4gwBX6" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 32%; text-align: left">Operating lease cost</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">1,317</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">1,126</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">3,954</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">3,748</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_408_ecustom--FinanceLeaseCost_zgkAy1gDlFF3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Finance lease cost</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">112</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">55</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">319</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">164</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--LeaseCost_i_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Total lease cost</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,429</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,181</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">4,273</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">3,912</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8AA_zXsl2yJ8clH1" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The following table presents the supplemental cash flow information related to leases:</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"></p> <table cellpadding="0" cellspacing="0" id="xdx_89B_eus-gaap--ScheduleOfCashFlowSupplementalDisclosuresTableTextBlock_pn3n3_zzauDS1ZQdW9" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Lease cash flow)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8BC_zC2QO3L4w0E4" style="display: none">Schedule of supplemental cash flow information related to leases</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_495_20260701__20260930_zhx0dK4oCHg5" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_491_20250701__20250930_zGNFtbrK7EAd" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49B_20260101__20260930_zi36QoqR4Fdi" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49C_20250101__20250930_zvbWJ6W1tkw4" style="text-align: center"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Three Months Ended</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Nine Months Ended</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2026</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2025</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2026</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2025</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr id="xdx_40D_ecustom--CashPaidForAmountsIncludedInMeasurementOfLeaseLiabilitiesAbstract_iB_zs6tc1Hnicbk" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="font-weight: bold; text-align: left; text-indent: -10pt; padding-left: 10pt">Cash paid for amounts included in the measurement of lease liabilities:</td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold"> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--OperatingLeasePayments_i01_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="width: 32%; text-align: left">Operating cash flows from operating leases</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">1,317</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">1,126</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">3,954</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">3,748</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_408_eus-gaap--FinanceLeaseInterestPaymentOnLiability_i01_pn3n3_zyvo3PbtvJw" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Operating cash flows from finance leases</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">97</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">48</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">274</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">142</td><td style="text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--FinanceLeasePrincipalPayments_i01_pn3n3_zYlMa7OrCeG9" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Financing cash flows from finance leases</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">15</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">7</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">45</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">22</td><td style="text-align: left"> </td></tr> </table> <p id="xdx_8AE_zlH4x6WM09Kd" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p id="xdx_849_eus-gaap--ShareBasedCompensationOptionAndIncentivePlansPolicy_zNaAJ53XzYU4" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_86C_zkSNzu2MlWNj">Stock-based Compensation</span></b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">We recognize compensation costs in the financial statements for all share-based payments based on the grant date fair value estimated in accordance with the provisions of ASC 718 “Stock Compensation”.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">For the three and nine months ended September 30, 2026, we recorded stock-based compensation costs in the amount of $<span id="xdx_909_eus-gaap--AllocatedShareBasedCompensationExpense_pp0p0_c20260701__20260930_zFY38f2dgNcj" title="Stock-based compensation costs">548,000</span> and $<span id="xdx_903_eus-gaap--AllocatedShareBasedCompensationExpense_pn5n6_c20260101__20260930_zFjBis2zQxm6" title="Stock-based compensation costs">1.6</span> million respectively. As of September 30, 2026, unrecognized stock-based compensation costs to be recognized over future periods equaled $<span id="xdx_909_eus-gaap--EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions_iI_pn5n6_c20260930_zHb2apZ8RAF8" title="Unrecognized stock-based compensation costs">8.8</span> million. This amount will be recognized as expense over a weighted-average period of <span id="xdx_908_eus-gaap--EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1_dtY_c20260101__20260930_zOPgkGRswq4l" title="Weighted average period">3.41</span> years.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The following represents stock option activity for the nine months ended September 30, 2026:</p> <table cellpadding="0" cellspacing="0" id="xdx_894_eus-gaap--ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock_pn3n3_zaX0PsP2WcPk" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Option activity)"> <tr style="vertical-align: bottom"> <td style="padding-left: 10pt"><span id="xdx_8B4_z2IgQf8WkZx8" style="display: none">Schedule of stock option activity</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: center"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center">Weighted</td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Number of</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Weighted</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center">Average</td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Shares</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Average</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center">Remaining</td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">(in thousands)</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Exercise Price</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Contractual Term</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 49%; text-align: left">Options outstanding at the beginning of period</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_988_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iS_pn3n3_c20260101__20260930_z0gpuNed08mb" style="width: 13%; text-align: right" title="Options outstanding, beginning balance">6,123</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98B_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_iS_pip0_c20260101__20260930_zceBQxoUbY5a" style="width: 13%; text-align: right" title="Weighted average exercise price, beginning balance">6.41</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 15%; text-align: center">N/A</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 10pt">Granted</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod_pn3n3_c20260101__20260930_zwlw88imqaJe" style="text-align: right" title="Options granted">1,360</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98B_eus-gaap--ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice_pip0_c20260101__20260930_zeQoNaMoYHRd" style="text-align: right" title="Weighted average exercise price granted">9.20</td><td style="text-align: left"> </td><td> </td> <td style="text-align: center">N/A</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-left: 10pt">Exercised</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--StockIssuedDuringPeriodSharesStockOptionsExercised_iN_pn3n3_di_c20260101__20260930_zRmci0B4tM61" style="text-align: right" title="Options exercised">(996</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left">$</td><td id="xdx_981_eus-gaap--ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice_pip0_c20260101__20260930_zfk8pIqlW27d" style="text-align: right" title="Weighted average exercise price exercised">3.46</td><td style="text-align: left"> </td><td> </td> <td style="text-align: center">N/A</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 10pt">Forfeited</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod_iN_pn3n3_di0_c20260101__20260930_zlDtEzwbbqIc" style="border-bottom: Black 1pt solid; text-align: right" title="Options forfeited">–</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left">$</td><td id="xdx_980_eus-gaap--ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExpirationsInPeriodWeightedAverageExercisePrice_pip0_d0_c20260101__20260930_zTXkEnOOg4Z" style="padding-bottom: 1pt; text-align: right" title="Weighted average exercise price forfeited">–</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: center; padding-bottom: 1pt">N/A</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Options outstanding at the end of period</td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td id="xdx_98C_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iE_pn3n3_c20260101__20260930_zoyIcVOltKb4" style="border-bottom: Black 2.5pt double; text-align: right" title="Options outstanding, ending balance">6,487</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_984_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_iE_pip0_c20260101__20260930_zetMY91Ldn76" style="border-bottom: Black 2.5pt double; text-align: right" title="Weighted average exercise price, ending balance">7.44</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: center"><span id="xdx_90D_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2_dtY_c20260101__20260930_zIAXsc2qYXaj" title="Weighted average remaining contractual term">3.78</span> years</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Options exercisable at the end of period</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20260930_zw4Qwg9KytZd" style="border-bottom: Black 2.5pt double; text-align: right" title="Options exercisable">4,055</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice_iI_pip0_c20260930_z1Vduofxd924" style="border-bottom: Black 2.5pt double; text-align: right" title="Weighted average exercise price, exercisable">6.66</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: center"><span id="xdx_906_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageRemainingContractualTerm2_dtY_c20260101__20260930_zDnn9VXcljm4" title="Weighted average remaining contractual term, exercisable">2.17</span> years</td></tr> </table> <p id="xdx_8A3_zrCibvCtG4xi" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The following table presents the price distribution of stock options outstanding and exercisable as of September 30, 2026 and December 31, 2025</p> <table cellpadding="0" cellspacing="0" id="xdx_892_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingAndExercisableTableTextBlock_pn3n3_zhGlAuZ8u9Xi" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Options outstanding and exercisable)"> <tr style="vertical-align: bottom; background-color: White"> <td><span id="xdx_8B9_zR2V9A8mTmQa" style="display: none">Schedule of price distribution of stock options outstanding and exercisable</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td><b> </b></td><td><b> </b></td> <td colspan="6" style="text-align: center"><b>Number of shares as of</b></td><td><b> </b></td><td><b> </b></td> <td colspan="6" style="text-align: center"><b>Number of shares as of</b></td><td><b> </b></td></tr> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1pt"><b> </b></td><td style="padding-bottom: 1pt"><b> </b></td> <td colspan="6" style="border-bottom: Black 1pt solid; text-align: center"><b>September 30, 2026</b></td><td style="padding-bottom: 1pt"><b> </b></td><td style="padding-bottom: 1pt"><b> </b></td> <td colspan="6" style="border-bottom: Black 1pt solid; text-align: center"><b>December 31, 2025</b></td><td style="padding-bottom: 1pt"><b> </b></td></tr> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1pt"><b> </b></td><td style="padding-bottom: 1pt"><b> </b></td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><b>Outstanding</b></td><td style="padding-bottom: 1pt"><b> </b></td><td style="padding-bottom: 1pt"><b> </b></td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><b>Exercisable</b></td><td style="padding-bottom: 1pt"><b> </b></td><td style="padding-bottom: 1pt"><b> </b></td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><b>Outstanding</b></td><td style="padding-bottom: 1pt"><b> </b></td><td style="padding-bottom: 1pt"><b> </b></td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><b>Exercisable</b></td><td style="padding-bottom: 1pt"><b> </b></td></tr> <tr style="vertical-align: bottom"> <td><b>Range of exercise prices:</b></td><td><b> </b></td> <td colspan="6" style="text-align: center"><b>(In thousands)</b></td><td><b> </b></td><td><b> </b></td> <td colspan="6" style="text-align: center"><b>(In thousands)</b></td><td><b> </b></td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 40%">$2.00 - $2.99</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20260930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range1Member_z4MGDJJOMMZ1" style="width: 11%; text-align: right" title="Number of shares, outstanding">1,015</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_986_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20260930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range1Member_z3ubXUn6sM9i" style="width: 11%; text-align: right" title="Number of shares, exercisable">1,015</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20251231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range1Member_zc8vDezOxG62" style="width: 11%; text-align: right" title="Number of shares, outstanding">1,098</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20251231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range1Member_ziweGxtFZB3a" style="width: 11%; text-align: right" title="Number of shares, exercisable">1,098</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>$3.00 - $3.99</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_d0_c20260930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range2Member_zPgwjiNRU5R1" style="text-align: right" title="Number of shares, outstanding">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_d0_c20260930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range2Member_zlraCGzl5ha9" style="text-align: right" title="Number of shares, exercisable">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20251231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range2Member_zSayvN4OaQvc" style="text-align: right" title="Number of shares, outstanding">897</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20251231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range2Member_zA6ox42TlOji" style="text-align: right" title="Number of shares, exercisable">897</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>$4.00 - $4.99</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20260930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range3Member_zJIYxaOjblCe" style="text-align: right" title="Number of shares, outstanding">1,130</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20260930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range3Member_zRtgjSUTMEid" style="text-align: right" title="Number of shares, exercisable">1,130</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20251231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range3Member_zbWC3BexvtOi" style="text-align: right" title="Number of shares, outstanding">1,145</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20251231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range3Member_zlOrgg41nDrj" style="text-align: right" title="Number of shares, exercisable">1,145</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>$8.00 - $8.99</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20260930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range4Member_zaCw0do7Ehkj" style="text-align: right" title="Number of shares, outstanding">1,430</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20260930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range4Member_zvsAvvcfa82i" style="text-align: right" title="Number of shares, exercisable">358</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_d0_c20251231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range4Member_zEzjqEeMgv34" style="text-align: right" title="Number of shares, outstanding">1,430</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_d0_c20251231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range4Member_zZjmNKwiveV9" style="text-align: right" title="Number of shares, exercisable">–</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>$9.00 - $9.99</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20260930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range5Member_zdMuh1os4C03" style="text-align: right" title="Number of shares, outstanding">1,360</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_d0_c20260930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range5Member_ztfXgwEnY7i6" style="text-align: right" title="Number of shares, exercisable">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_d0_c20251231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range5Member_zbDfJSKFzIi4" style="text-align: right" title="Number of shares, outstanding">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_d0_c20251231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range5Member_zdhDqdNY07ua" style="text-align: right" title="Number of shares, exercisable">–</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt">$10.00 - $10.99</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20260930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range6Member_z9cR2MMx3Mk4" style="border-bottom: Black 1pt solid; text-align: right" title="Number of shares, outstanding">1,552</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td id="xdx_988_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20260930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range6Member_zo7os9rYYike" style="border-bottom: Black 1pt solid; text-align: right" title="Number of shares, exercisable">1,552</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td id="xdx_980_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20251231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range6Member_zC23iBUXIs9a" style="border-bottom: Black 1pt solid; text-align: right" title="Number of shares, outstanding">1,553</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td id="xdx_985_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20251231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range6Member_zGQvI9fRTJi5" style="border-bottom: Black 1pt solid; text-align: right" title="Number of shares, exercisable">1,253</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 2.5pt">Total shares</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20260930_z4Zdn42mVkel" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, outstanding">6,487</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td id="xdx_981_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20260930_zWLtPoJAVTsk" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, exercisable">4,055</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td id="xdx_98E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20251231_zo0oXigkANud" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, outstanding">6,123</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td id="xdx_984_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20251231_zdm1GA3UP2F" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, exercisable">4,393</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8AF_zNjZ36Pumea" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">At September 30, 2026, the aggregate intrinsic value of options outstanding and exercisable was $<span id="xdx_90F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue_iI_pn5n6_c20260930_zsZ8GWrRZP9h" title="Intrinsic value options outstanding">12.9</span> million and $<span id="xdx_90A_eus-gaap--SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1_iI_pn5n6_c20260930_z2k4qhWjO9l" title="Intrinsic value options exercisable">11.9</span> million respectively. There were <span id="xdx_900_eus-gaap--StockIssuedDuringPeriodSharesStockOptionsExercised_pip0_c20260101__20260930_zSR4hr4EhMQ8" title="Options exercised">996,000</span> options exercised for the nine months ended September 30, 2026, compared to <span id="xdx_908_eus-gaap--StockIssuedDuringPeriodSharesStockOptionsExercised_pn5n6_c20250101__20250930_zU65HOF5UAB4" title="Options exercised">1.4</span> million for the comparable period in 2025. The total intrinsic value of options exercised was $<span id="xdx_90D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue_pn5n6_c20260101__20260930_zAqtQXNci49k" title="Intrinsic value of options exercised">5.8</span> million and $<span id="xdx_903_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue_pn5n6_c20250101__20250930_zRt89HM3NQx2" title="Intrinsic value of options exercised">8.4</span> million for the nine-month periods ended September 30, 2026 and 2025. There were <span id="xdx_90D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant_iI_pip0_c20260930_zucifYvOjkC4" title="Shares available for grant">3,246,000</span> shares available for future stock option grants under existing plans as of September 30, 2026.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p id="xdx_84E_eus-gaap--StockholdersEquityPolicyTextBlock_zbh7YjZdNYJ6" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_86B_zeBDfa7OVZu7">Purchases of Company Stock</span></b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The table below describes the purchase of our common stock for the nine months ended September 30, 2026, and 2025:</p> <table cellpadding="0" cellspacing="0" id="xdx_890_eus-gaap--ScheduleOfTreasuryStockByClassTextBlock_pn3n3_zR4GPbB4V3xj" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Stock purchases)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8B9_z2jV1wOiUKzk" style="display: none">Schedule of purchase of our common stock</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="14" style="font-weight: bold; text-align: center">Nine Months Ended</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30, 2026</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30, 2025</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Shares</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Avg. Price</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Shares</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Avg. Price</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 40%; text-align: left">Open market purchases</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_986_eus-gaap--StockRepurchasedDuringPeriodShares_pip0_c20260101__20260930__us-gaap--ShareRepurchaseProgramAxis__custom--OpenMarketPurchasesMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zLagQ13IX0tb" style="width: 11%; text-align: right" title="Total stock purchases, shares">437,664</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_982_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pip0_c20260101__20260930__us-gaap--ShareRepurchaseProgramAxis__custom--OpenMarketPurchasesMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zas5XVP6a7F2" style="width: 11%; text-align: right" title="Total stock purchases, average price">9.23</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98A_eus-gaap--StockRepurchasedDuringPeriodShares_pip0_c20250101__20250930__us-gaap--ShareRepurchaseProgramAxis__custom--OpenMarketPurchasesMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zrxzt9pg1GS3" style="width: 11%; text-align: right" title="Total stock purchases, shares">89,362</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_987_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pip0_c20250101__20250930__us-gaap--ShareRepurchaseProgramAxis__custom--OpenMarketPurchasesMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zvrMaF84OI34" style="width: 11%; text-align: right" title="Total stock purchases, average price">9.48</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Shares redeemed upon net exercise of stock options</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--StockRepurchasedDuringPeriodShares_pip0_c20260101__20260930__srt--ShareRepurchaseProgramAxis__custom--SharesRedeemedUponNetExerciseOfStockOptionsMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zlksXIcnmZA4" style="text-align: right" title="Total stock purchases, shares">165,993</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_980_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pip0_c20260101__20260930__srt--ShareRepurchaseProgramAxis__custom--SharesRedeemedUponNetExerciseOfStockOptionsMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zJOXcZxlEwSi" style="text-align: right" title="Total stock purchases, average price">9.51</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--StockRepurchasedDuringPeriodShares_pip0_c20250101__20250930__srt--ShareRepurchaseProgramAxis__custom--SharesRedeemedUponNetExerciseOfStockOptionsMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zgC0HkGya7T1" style="text-align: right" title="Total stock purchases, shares">451,937</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_983_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pip0_c20250101__20250930__srt--ShareRepurchaseProgramAxis__custom--SharesRedeemedUponNetExerciseOfStockOptionsMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_z4f4TrP6LNs8" style="text-align: right" title="Total stock purchases, average price">9.76</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 1pt">Other</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--StockRepurchasedDuringPeriodShares_pip0_c20260101__20260930__us-gaap--ShareRepurchaseProgramAxis__custom--OtherMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_z2NI6weHd9K5" style="border-bottom: Black 1pt solid; text-align: right" title="Total stock purchases, shares">345,000</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td id="xdx_98D_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pip0_c20260101__20260930__us-gaap--ShareRepurchaseProgramAxis__custom--OtherMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zvE91vcWXD1e" style="border-bottom: Black 1pt solid; text-align: right" title="Total stock purchases, average price">9.39</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--StockRepurchasedDuringPeriodShares_pip0_c20250101__20250930__us-gaap--ShareRepurchaseProgramAxis__custom--OtherMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zW1s0D8f525d" style="border-bottom: Black 1pt solid; text-align: right" title="Total stock purchases, shares">100,000</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td id="xdx_980_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pip0_c20250101__20250930__us-gaap--ShareRepurchaseProgramAxis__custom--OtherMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zmcCHvekNNrg" style="border-bottom: Black 1pt solid; text-align: right" title="Total stock purchases, average price">8.62</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt">Total stock purchases</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_981_eus-gaap--StockRepurchasedDuringPeriodShares_pip0_d0_c20260101__20260930__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zCAkPE3sVoti" style="border-bottom: Black 2.5pt double; text-align: right" title="Total stock purchases, shares">948,657</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_988_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pip0_c20260101__20260930__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zDCvLC1hbdjf" style="border-bottom: Black 2.5pt double; text-align: right" title="Total stock purchases, average price">9.34</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_988_eus-gaap--StockRepurchasedDuringPeriodShares_pip0_c20250101__20250930__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zS2Go0fzBPF5" style="border-bottom: Black 2.5pt double; text-align: right" title="Total stock purchases, shares">641,299</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98C_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pip0_c20250101__20250930__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zIEYdlwsDaLc" style="border-bottom: Black 2.5pt double; text-align: right" title="Total stock purchases, average price">9.54</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A6_zIf2Mw22lvub" style="margin-top: 0; margin-bottom: 0"> </p> <p id="xdx_844_eus-gaap--PriorPeriodReclassificationAdjustmentDescription_zZRheYme1Bxa" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_86A_zuZx9DOgb12e">Reclassifications</span></b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Some items in the prior year financial statements were reclassified to conform to the current presentation. Reclassifications had no effect on net income or shareholders’ equity.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p id="xdx_84E_ecustom--FinancialCovenantsPolicyTextBlock_zrdTtIaao5U" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_86D_zbiKdMVGSoKe">Financial Covenants</span> </b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Certain of our securitization transactions, our warehouse credit facilities and our residual interest financing contain various financial covenants requiring minimum financial ratios and results. Such covenants include maintaining minimum levels of liquidity and net worth and not exceeding maximum leverage levels. As of September 30, 2026, we were in compliance with all such covenants. In addition, certain of our debt agreements other than our term securitizations contain cross-default provisions. Such cross-default provisions would allow the respective creditors to declare a default if an event of default occurred with respect to other indebtedness of ours, but only if such other event of default were to be accompanied by acceleration of such other indebtedness.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p id="xdx_84A_eus-gaap--CommitmentsAndContingenciesPolicyTextBlock_zvks6lTi4TR3" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><b><span id="xdx_862_ztzxbe7PSbwf">Provision for Contingent Liabilities</span></b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">We are routinely involved in various legal proceedings resulting from our consumer finance activities and practices, both continuing and discontinued. Our legal counsel has advised us on such matters where, based on information available at the time of this report, there is an indication that it is both probable that a liability has been incurred and the amount of the loss can be reasonably determined. This is described further in footnote 8.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p id="xdx_847_eus-gaap--NewAccountingPronouncementsPolicyPolicyTextBlock_zhlduSh30ixb" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_860_zsfSLyb7MY3">Recent Accounting Pronouncements</span> </b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">We do not believe that any accounting pronouncements issued, but not yet effective, are applicable or would have a material impact on our consolidated financial statements or disclosures, if adopted.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p id="xdx_847_ecustom--DescriptionOfBusinessPolicyTextBlock_z55YqvBXzdZf" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_867_zImT5FpXj5A7">Description of Business</span> </b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">We were formed in California on March 8, 1991. We specialize in purchasing and servicing retail automobile installment sale contracts (“automobile contracts” or “finance receivables”) originated by licensed motor vehicle dealers located throughout the United States (“dealers”) in the sale of new and used automobiles, light trucks and passenger vans. Through our purchases, we provide indirect financing to dealer customers for borrowers with limited credit histories or past credit problems (“sub-prime customers”). We serve as an alternative source of financing for dealers, allowing sales to customers who otherwise might not be able to obtain financing. In addition to purchasing installment purchase contracts directly from dealers, we also, to a lesser extent, originate loans directly to consumers for the refinancing of an existing loan from other lenders secured by an automobile and have also (i) lent money directly to consumers for vehicle purchase money loans secured by vehicles, (ii) purchased immaterial amounts of vehicle purchase money loans from non-affiliated lenders, and (iii) acquired installment purchase contracts in four merger and acquisition transactions. In this report, we refer to all of such contracts and loans as "automobile contracts."</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p id="xdx_843_eus-gaap--BasisOfAccountingPolicyPolicyTextBlock_zml5sEldQmaf" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_867_zsSqxE8chm3h">Basis of Presentation</span></b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Our Unaudited Condensed Consolidated Financial Statements have been prepared in conformity with accounting principles generally accepted in the United States of America, with the instructions to Form 10-Q and with Article 10 of Regulation S-X of the Securities and Exchange Commission, and include all adjustments that are, in management’s opinion, necessary for a fair presentation of the results for the interim periods presented. All such adjustments are, in the opinion of management, of a normal recurring nature. Results for the nine-month period ended September 30, 2026, are not necessarily indicative of the operating results to be expected for the full year.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Certain information and footnote disclosures normally included in financial statements prepared in accordance with accounting principles generally accepted in the United States of America have been condensed or omitted from these Unaudited Condensed Consolidated Financial Statements. These Unaudited Condensed Consolidated Financial Statements should be read in conjunction with the Consolidated Financial Statements and Notes to Consolidated Financial Statements included in our Annual Report on Form 10-K for the year ended December 31, 2025.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p id="xdx_84B_eus-gaap--UseOfEstimates_zxNS3K0l3sAa" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_860_zUB6LbJMINM1">Use of Estimates</span></b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in">The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires us to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the financial statements, as well as the reported amounts of income and expenses during the reported periods.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"> </p> <p id="xdx_846_eus-gaap--FinanceLoansAndLeasesReceivablePolicy_zOWrsvIaSNB3" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><b><span id="xdx_86A_z2gnwuRUBNv1">Finance Receivables Measured at Fair Value</span></b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Effective January 1, 2018, we adopted the fair value method of accounting for finance receivables acquired on or after that date. For each finance receivable acquired after 2017, we consider the price paid on the purchase date as the fair value for such receivable. We estimate the cash to be received in the future with respect to such receivables, based on our experience with similar receivables acquired in the past. We then compute the internal rate of return that results in the present value of those estimated cash receipts being equal to the purchase date fair value. Thereafter, we recognize interest income on such receivables on a level yield basis using that internal rate of return as the applicable interest rate. Cash received with respect to such receivables is applied first against such interest income, and then to reduce the recorded value of the receivables.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">We re-evaluate the fair value of such receivables at the close of each measurement period. If the reevaluation were to yield a value materially different from the recorded value, an adjustment would be required.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Anticipated credit losses are included in our estimation of cash to be received with respect to receivables.  In accordance with the fair value accounting standards, credit losses are included in our computation of the appropriate level yield, therefore we do not thereafter make periodic provision for credit losses, as our best estimate of the lifetime aggregate of credit losses is included in that initial computation. Also, because we include anticipated credit losses in our computation of the level yield, the computed level yield is materially lower than the average contractual rate applicable to the receivables. Because our initial recorded value is fixed as the price we pay for the receivable, rather than the contractual principal balance, we do not record acquisition fees as an amortizing asset related to the receivables, nor do we capitalize costs of acquiring the receivables. Rather we recognize the costs of acquisition as expenses in the period incurred.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p id="xdx_848_eus-gaap--RevenueRecognitionPolicyTextBlock_z8lWP9lyHNsg" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><b><span id="xdx_867_zieNrPRXPIg">Other Income</span></b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in">The following table presents the primary components of Other Income for the three-month and nine-month periods ending September 30, 2026, and 2025</p> <table cellpadding="0" cellspacing="0" id="xdx_89B_eus-gaap--ScheduleOfOtherNonoperatingIncomeByComponentTextBlock_pn3n3_z0taFll5IqZi" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Other income)"> <tr style="vertical-align: bottom; background-color: White"> <td><span id="xdx_8BE_ztS04XDUZG1c" style="display: none">Schedule of other income</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Three Months Ended</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Nine Months Ended</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2026</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2025</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2026</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2025</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-indent: -10pt; padding-left: 10pt; width: 40%; text-align: left">Origination and servicing fees from third party receivables</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_982_eus-gaap--OtherIncome_pn3n3_c20260701__20260930__us-gaap--NatureOfExpenseAxis__custom--OtherOperatingIncomeMember__us-gaap--TransactionTypeAxis__custom--OriginationAndServicingFeesFromThirdPartyReceivablesMember_zSMTKxzkodye" style="width: 11%; text-align: right" title="Other income">1,353</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_987_eus-gaap--OtherIncome_pn3n3_c20250701__20250930__us-gaap--NatureOfExpenseAxis__custom--OtherOperatingIncomeMember__us-gaap--TransactionTypeAxis__custom--OriginationAndServicingFeesFromThirdPartyReceivablesMember_zd4V0PssfRA9" style="width: 11%; text-align: right" title="Other income">1,248</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98D_eus-gaap--OtherIncome_pn3n3_c20260101__20260930__us-gaap--NatureOfExpenseAxis__custom--OtherOperatingIncomeMember__us-gaap--TransactionTypeAxis__custom--OriginationAndServicingFeesFromThirdPartyReceivablesMember_zZTU8YcGXIRb" style="width: 11%; text-align: right" title="Other income">4,078</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98B_eus-gaap--OtherIncome_pn3n3_c20250101__20250930__us-gaap--NatureOfExpenseAxis__custom--OtherOperatingIncomeMember__us-gaap--TransactionTypeAxis__custom--OriginationAndServicingFeesFromThirdPartyReceivablesMember_zKTB4305zqPd" style="width: 11%; text-align: right" title="Other income">4,063</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt">Other</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--OtherIncome_pn3n3_c20260701__20260930__us-gaap--NatureOfExpenseAxis__custom--OtherOperatingIncomeMember__us-gaap--TransactionTypeAxis__custom--OtherMember_zufzP1pbybh7" style="border-bottom: Black 1pt solid; text-align: right" title="Other income">1,475</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_988_eus-gaap--OtherIncome_pn3n3_c20250701__20250930__us-gaap--NatureOfExpenseAxis__custom--OtherOperatingIncomeMember__us-gaap--TransactionTypeAxis__custom--OtherMember_zIL6ahOUR4r2" style="border-bottom: Black 1pt solid; text-align: right" title="Other income">7</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--OtherIncome_pn3n3_c20260101__20260930__us-gaap--NatureOfExpenseAxis__custom--OtherOperatingIncomeMember__us-gaap--TransactionTypeAxis__custom--OtherMember_znafmBi6ldM6" style="border-bottom: Black 1pt solid; text-align: right" title="Other income">5,640</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98B_eus-gaap--OtherIncome_pn3n3_c20250101__20250930__us-gaap--NatureOfExpenseAxis__custom--OtherOperatingIncomeMember__us-gaap--TransactionTypeAxis__custom--OtherMember_zkM8sCDOjxE6" style="border-bottom: Black 1pt solid; text-align: right" title="Other income">35</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Other income for the period</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_985_eus-gaap--OtherIncome_pn3n3_c20260701__20260930_z33YsPcWShv8" style="border-bottom: Black 2.5pt double; text-align: right" title="Other income for the period">2,828</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_985_eus-gaap--OtherIncome_pn3n3_c20250701__20250930_zBuSrmP6m8V9" style="border-bottom: Black 2.5pt double; text-align: right" title="Other income for the period">1,255</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_984_eus-gaap--OtherIncome_pn3n3_c20260101__20260930_zsru4Tw1qRGk" style="border-bottom: Black 2.5pt double; text-align: right" title="Other income for the period">9,718</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_986_eus-gaap--OtherIncome_pn3n3_c20250101__20250930_zs8BsFAacNmh" style="border-bottom: Black 2.5pt double; text-align: right" title="Other income for the period">4,098</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8AC_zAbLoy2rPLf8" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"> </p> <table cellpadding="0" cellspacing="0" id="xdx_89B_eus-gaap--ScheduleOfOtherNonoperatingIncomeByComponentTextBlock_pn3n3_z0taFll5IqZi" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Other income)"> <tr style="vertical-align: bottom; background-color: White"> <td><span id="xdx_8BE_ztS04XDUZG1c" style="display: none">Schedule of other income</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Three Months Ended</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Nine Months Ended</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2026</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2025</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2026</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2025</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-indent: -10pt; padding-left: 10pt; width: 40%; text-align: left">Origination and servicing fees from third party receivables</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_982_eus-gaap--OtherIncome_pn3n3_c20260701__20260930__us-gaap--NatureOfExpenseAxis__custom--OtherOperatingIncomeMember__us-gaap--TransactionTypeAxis__custom--OriginationAndServicingFeesFromThirdPartyReceivablesMember_zSMTKxzkodye" style="width: 11%; text-align: right" title="Other income">1,353</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_987_eus-gaap--OtherIncome_pn3n3_c20250701__20250930__us-gaap--NatureOfExpenseAxis__custom--OtherOperatingIncomeMember__us-gaap--TransactionTypeAxis__custom--OriginationAndServicingFeesFromThirdPartyReceivablesMember_zd4V0PssfRA9" style="width: 11%; text-align: right" title="Other income">1,248</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98D_eus-gaap--OtherIncome_pn3n3_c20260101__20260930__us-gaap--NatureOfExpenseAxis__custom--OtherOperatingIncomeMember__us-gaap--TransactionTypeAxis__custom--OriginationAndServicingFeesFromThirdPartyReceivablesMember_zZTU8YcGXIRb" style="width: 11%; text-align: right" title="Other income">4,078</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98B_eus-gaap--OtherIncome_pn3n3_c20250101__20250930__us-gaap--NatureOfExpenseAxis__custom--OtherOperatingIncomeMember__us-gaap--TransactionTypeAxis__custom--OriginationAndServicingFeesFromThirdPartyReceivablesMember_zKTB4305zqPd" style="width: 11%; text-align: right" title="Other income">4,063</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt">Other</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--OtherIncome_pn3n3_c20260701__20260930__us-gaap--NatureOfExpenseAxis__custom--OtherOperatingIncomeMember__us-gaap--TransactionTypeAxis__custom--OtherMember_zufzP1pbybh7" style="border-bottom: Black 1pt solid; text-align: right" title="Other income">1,475</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_988_eus-gaap--OtherIncome_pn3n3_c20250701__20250930__us-gaap--NatureOfExpenseAxis__custom--OtherOperatingIncomeMember__us-gaap--TransactionTypeAxis__custom--OtherMember_zIL6ahOUR4r2" style="border-bottom: Black 1pt solid; text-align: right" title="Other income">7</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--OtherIncome_pn3n3_c20260101__20260930__us-gaap--NatureOfExpenseAxis__custom--OtherOperatingIncomeMember__us-gaap--TransactionTypeAxis__custom--OtherMember_znafmBi6ldM6" style="border-bottom: Black 1pt solid; text-align: right" title="Other income">5,640</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98B_eus-gaap--OtherIncome_pn3n3_c20250101__20250930__us-gaap--NatureOfExpenseAxis__custom--OtherOperatingIncomeMember__us-gaap--TransactionTypeAxis__custom--OtherMember_zkM8sCDOjxE6" style="border-bottom: Black 1pt solid; text-align: right" title="Other income">35</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Other income for the period</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_985_eus-gaap--OtherIncome_pn3n3_c20260701__20260930_z33YsPcWShv8" style="border-bottom: Black 2.5pt double; text-align: right" title="Other income for the period">2,828</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_985_eus-gaap--OtherIncome_pn3n3_c20250701__20250930_zBuSrmP6m8V9" style="border-bottom: Black 2.5pt double; text-align: right" title="Other income for the period">1,255</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_984_eus-gaap--OtherIncome_pn3n3_c20260101__20260930_zsru4Tw1qRGk" style="border-bottom: Black 2.5pt double; text-align: right" title="Other income for the period">9,718</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_986_eus-gaap--OtherIncome_pn3n3_c20250101__20250930_zs8BsFAacNmh" style="border-bottom: Black 2.5pt double; text-align: right" title="Other income for the period">4,098</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 1353000 1248000 4078000 4063000 1475000 7000 5640000 35000 2828000 1255000 9718000 4098000 <p id="xdx_843_eus-gaap--LesseeLeasesPolicyTextBlock_zHkMhxGHsmu4" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_860_zmE2jwAuLDk7">Leases</span></b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The Company has operating leases for corporate offices, equipment, software and hardware. The Company has entered into operating leases for the majority of its real estate locations, primarily office space. These leases are generally for periods of three to seven years with various renewal options. The depreciable life of leased assets is limited by the expected lease term. Leases with an initial term of 12 months or less are not recorded on the balance sheet and the related lease expense is recognized on a straight-line basis over the lease term.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in">The following table presents the supplemental balance sheet information related to leases:</p> <table cellpadding="0" cellspacing="0" id="xdx_897_esrt--ScheduleOfCondensedBalanceSheetTableTextBlock_pn3n3_zybZkmZ1Gc8d" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Supplemental balance sheet information related to leases)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8B4_zMNNZgSy9dF5" style="display: none">Schedule of supplemental balance sheet information related to leases</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_491_20260930_zsO5Nsh8GxL6" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49D_20251231_zIofhh6E3Gs1" style="text-align: center"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">September 30,</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">December 31,</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2026</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2025</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td></tr> <tr id="xdx_40C_eus-gaap--AssetsAndLiabilitiesLesseeAbstract_iB_ziArzMwNZts2" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="font-weight: bold; text-align: left">Operating Leases</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_ecustom--OperatingLeaseRightOfUseAssetGross_i01I_zjAPLblK6Nyd" style="vertical-align: bottom; background-color: White"> <td style="width: 66%; text-align: left">Operating lease right-of-use assets</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">53,225</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">53,225</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_401_ecustom--OperatingLeaseRightOfUseAssetAccumulatedAmortization_i01NI_di_zhISqipwoOfl" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 1pt">Less: Accumulated amortization right-of-use assets</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(39,764</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(36,281</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_40B_eus-gaap--OperatingLeaseRightOfUseAsset_i01I_zbX4utVSu9xh" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt">Operating lease right-of-use assets, net</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">13,461</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">16,944</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--OperatingLeaseLiability_iNI_di_zxxcHdzIM9w8" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Operating lease liabilities</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(15,533</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(19,236</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_ecustom--FinanceLeasesAbstract_iB_zPhdvOa8F826" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left">Finance Leases</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--FinanceLeaseRightOfUseAssetBeforeAccumulatedAmortization_iI_zxpWcycWQ1Xk" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Property and equipment, at cost</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">4,733</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">4,097</td><td style="text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--FinanceLeaseRightOfUseAssetAccumulatedAmortization_iNI_di_zd8CtPe5kHH4" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Less: Accumulated depreciation</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(3,969</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(3,684</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_407_eus-gaap--FinanceLeaseRightOfUseAsset_iI_z6jiKs0tTVBk" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Property and equipment, net</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">764</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">413</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--FinanceLeaseLiability_iNI_di_zLLytvL7nzLf" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Finance lease liabilities</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(791</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(428</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_ecustom--WeightedAverageDiscountRateAbstract_iB_z4IEEPpp63xl" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="font-weight: bold">Weighted Average Discount Rate</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--OperatingLeaseWeightedAverageDiscountRatePercent_iI_pip0_dp_z4SHyPNms2gd" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Operating lease</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5.0%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5.0%</td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--FinanceLeaseWeightedAverageDiscountRatePercent_iI_pip0_dp_zYF6tn7zbZ5c" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Finance lease</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6.6%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6.4%</td><td style="text-align: left"> </td></tr> </table> <p id="xdx_8AD_zxaOn2tkUF12" style="margin: 0"> </p> <table cellpadding="0" cellspacing="0" id="xdx_89B_ecustom--LesseeOperatingAndFinanceLeaseLiablityMaturityTableTextBlock_pn3n3_zsIINdXkCQij" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Maturities of lease liabilities)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8B3_zOv4SEZCeYvk" style="display: none">Schedule of maturities of lease liabilities</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left">Maturities of lease liabilities were as follows:</td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: left">(In thousands)</td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Operating</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Finance</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; text-align: left">Year Ending December 31,</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Lease</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Lease</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; width: 66%">2026 (excluding the nine months ended September 30, 2026)</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98B_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsRemainderOfFiscalYear_iI_pn3n3_c20260930__us-gaap--PropertyPlantAndEquipmentByTypeAxis__custom--OperatingLeaseMember_zloiRoVtCETd" style="width: 13%; text-align: right" title="Operating lease, 2026 (excluding the nine months ended September 30, 2026)">1,408</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_985_eus-gaap--FinanceLeaseLiabilityPaymentsRemainderOfFiscalYear_iI_pn3n3_c20260930__us-gaap--PropertyPlantAndEquipmentByTypeAxis__custom--FinanceLeaseMember_zxCnxBRAqMdg" style="width: 13%; text-align: right" title="Finance lease, 2026 (excluding the nine months ended September 30, 2026)">113</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">2027</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths_iI_pn3n3_c20260930__us-gaap--PropertyPlantAndEquipmentByTypeAxis__custom--OperatingLeaseMember_zFQd5R1jrUD9" style="text-align: right" title="Operating lease, 2027">5,756</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--FinanceLeaseLiabilityPaymentsDueNextTwelveMonths_iI_pn3n3_c20260930__us-gaap--PropertyPlantAndEquipmentByTypeAxis__custom--FinanceLeaseMember_zIqEwrnsf2cg" style="text-align: right" title="Finance lease, 2027">393</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">2028</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueYearTwo_iI_pn3n3_c20260930__us-gaap--PropertyPlantAndEquipmentByTypeAxis__custom--OperatingLeaseMember_zNj3USDyJoS5" style="text-align: right" title="Operating lease, 2028">5,937</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--FinanceLeaseLiabilityPaymentsDueYearTwo_iI_pn3n3_c20260930__us-gaap--PropertyPlantAndEquipmentByTypeAxis__custom--FinanceLeaseMember_zP3vdHDxWgue" style="text-align: right" title="Finance lease, 2028">271</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">2029</td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueYearThree_iI_pn3n3_c20260930__us-gaap--PropertyPlantAndEquipmentByTypeAxis__custom--OperatingLeaseMember_zFvKmhktzS59" style="text-align: right" title="Operating lease, 2029">4,331</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--FinanceLeaseLiabilityPaymentsDueYearThree_iI_pn3n3_c20260930__us-gaap--PropertyPlantAndEquipmentByTypeAxis__custom--FinanceLeaseMember_zC1vzUoTJzBf" style="text-align: right" title="Finance lease, 2029">43</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">2030</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueYearFour_iI_pn3n3_c20260930__us-gaap--PropertyPlantAndEquipmentByTypeAxis__custom--OperatingLeaseMember_z1giwfRhwVgl" style="text-align: right" title="Operating lease, 2030">1,171</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--FinanceLeaseLiabilityPaymentsDueYearFour_iI_pn3n3_c20260930__us-gaap--PropertyPlantAndEquipmentByTypeAxis__custom--FinanceLeaseMember_zrHTDaepIWSb" style="text-align: right" title="Finance lease, 2030">27</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">2031</td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueYearFive_iI_pn3n3_c20260930__us-gaap--PropertyPlantAndEquipmentByTypeAxis__custom--OperatingLeaseMember_zeR5wb5V3ma1" style="text-align: right" title="Operating lease, 2031">719</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--FinanceLeaseLiabilityPaymentsDueYearFive_iI_pn3n3_c20260930__us-gaap--PropertyPlantAndEquipmentByTypeAxis__custom--FinanceLeaseMember_zybniHJMfzK6" style="text-align: right" title="Finance lease, 2031">20</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 1pt">Thereafter</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive_iI_pn3n3_c20260930__us-gaap--PropertyPlantAndEquipmentByTypeAxis__custom--OperatingLeaseMember_zWsuYFSD3mog" style="border-bottom: Black 1pt solid; text-align: right" title="Operating lease, thereafter">50</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--FinanceLeaseLiabilityPaymentsDueAfterYearFive_iI_pn3n3_d0_c20260930__us-gaap--PropertyPlantAndEquipmentByTypeAxis__custom--FinanceLeaseMember_zUlTksBEikc4" style="border-bottom: Black 1pt solid; text-align: right" title="Finance lease, thereafter">–</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Total undiscounted lease payments</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDue_iI_pn3n3_c20260930__us-gaap--PropertyPlantAndEquipmentByTypeAxis__custom--OperatingLeaseMember_z190BqADwP7l" style="text-align: right" title="Operating lease, total undiscounted lease payments">19,372</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--FinanceLeaseLiabilityPaymentsDue_iI_pn3n3_c20260930__us-gaap--PropertyPlantAndEquipmentByTypeAxis__custom--FinanceLeaseMember_zvnSChwXXcik" style="text-align: right" title="Finance lease, total undiscounted lease payments">867</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 1pt">Less amounts representing interest</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--LesseeOperatingLeaseLiabilityUndiscountedExcessAmount_iNI_pn3n3_di_c20260930__us-gaap--PropertyPlantAndEquipmentByTypeAxis__custom--OperatingLeaseMember_zz5Y3b72gBl" style="border-bottom: Black 1pt solid; text-align: right" title="Operating lease, less amounts representing interest">(3,839</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98B_eus-gaap--FinanceLeaseLiabilityUndiscountedExcessAmount_iNI_pn3n3_di_c20260930__us-gaap--PropertyPlantAndEquipmentByTypeAxis__custom--FinanceLeaseMember_z0U4smiTXu2a" style="border-bottom: Black 1pt solid; text-align: right" title="Finance lease, less amounts representing interest">(76</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt">Lease Liability</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98A_eus-gaap--OperatingLeaseLiability_pn3n3_c20260930__us-gaap--PropertyPlantAndEquipmentByTypeAxis__custom--OperatingLeaseMember_zlFneTLrISU" style="border-bottom: Black 2.5pt double; text-align: right" title="Operating Lease Liability">15,533</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98A_eus-gaap--FinanceLeaseLiability_iI_pn3n3_c20260930__us-gaap--PropertyPlantAndEquipmentByTypeAxis__custom--FinanceLeaseMember_zNZere9Timn4" style="border-bottom: Black 2.5pt double; text-align: right" title="Finance Lease Liability">791</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A6_zzIcOWxiDGjd" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in">The following table presents the lease expense included in General and administrative and Occupancy expense on our Unaudited Condensed Consolidated Statement of Operations:</p> <table cellpadding="0" cellspacing="0" id="xdx_893_eus-gaap--LeaseCostTableTextBlock_pn3n3_z91kGIcyZEnc" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Lease cost)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8BB_z56eLRixsmY" style="display: none">Schedule of lease cost</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_49B_20260701__20260930_zNgTMqcQFAh5" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49B_20250701__20250930_zjphgEOWc7ic" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49E_20260101__20260930_zQMUAnciDECf" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_492_20250101__20250930_znZEKLPCUbm7" style="text-align: center"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Three Months Ended</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Nine Months Ended</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2026</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2025</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2026</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2025</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr id="xdx_407_eus-gaap--OperatingLeaseCost_zsAaXg4gwBX6" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 32%; text-align: left">Operating lease cost</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">1,317</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">1,126</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">3,954</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">3,748</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_408_ecustom--FinanceLeaseCost_zgkAy1gDlFF3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Finance lease cost</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">112</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">55</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">319</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">164</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--LeaseCost_i_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Total lease cost</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,429</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,181</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">4,273</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">3,912</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8AA_zXsl2yJ8clH1" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The following table presents the supplemental cash flow information related to leases:</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"></p> <table cellpadding="0" cellspacing="0" id="xdx_89B_eus-gaap--ScheduleOfCashFlowSupplementalDisclosuresTableTextBlock_pn3n3_zzauDS1ZQdW9" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Lease cash flow)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8BC_zC2QO3L4w0E4" style="display: none">Schedule of supplemental cash flow information related to leases</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_495_20260701__20260930_zhx0dK4oCHg5" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_491_20250701__20250930_zGNFtbrK7EAd" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49B_20260101__20260930_zi36QoqR4Fdi" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49C_20250101__20250930_zvbWJ6W1tkw4" style="text-align: center"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Three Months Ended</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Nine Months Ended</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2026</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2025</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2026</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2025</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr id="xdx_40D_ecustom--CashPaidForAmountsIncludedInMeasurementOfLeaseLiabilitiesAbstract_iB_zs6tc1Hnicbk" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="font-weight: bold; text-align: left; text-indent: -10pt; padding-left: 10pt">Cash paid for amounts included in the measurement of lease liabilities:</td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold"> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--OperatingLeasePayments_i01_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="width: 32%; text-align: left">Operating cash flows from operating leases</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">1,317</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">1,126</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">3,954</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">3,748</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_408_eus-gaap--FinanceLeaseInterestPaymentOnLiability_i01_pn3n3_zyvo3PbtvJw" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Operating cash flows from finance leases</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">97</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">48</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">274</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">142</td><td style="text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--FinanceLeasePrincipalPayments_i01_pn3n3_zYlMa7OrCeG9" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Financing cash flows from finance leases</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">15</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">7</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">45</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">22</td><td style="text-align: left"> </td></tr> </table> <p id="xdx_8AE_zlH4x6WM09Kd" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <table cellpadding="0" cellspacing="0" id="xdx_897_esrt--ScheduleOfCondensedBalanceSheetTableTextBlock_pn3n3_zybZkmZ1Gc8d" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Supplemental balance sheet information related to leases)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8B4_zMNNZgSy9dF5" style="display: none">Schedule of supplemental balance sheet information related to leases</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_491_20260930_zsO5Nsh8GxL6" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49D_20251231_zIofhh6E3Gs1" style="text-align: center"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">September 30,</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">December 31,</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2026</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2025</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td></tr> <tr id="xdx_40C_eus-gaap--AssetsAndLiabilitiesLesseeAbstract_iB_ziArzMwNZts2" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="font-weight: bold; text-align: left">Operating Leases</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_ecustom--OperatingLeaseRightOfUseAssetGross_i01I_zjAPLblK6Nyd" style="vertical-align: bottom; background-color: White"> <td style="width: 66%; text-align: left">Operating lease right-of-use assets</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">53,225</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">53,225</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_401_ecustom--OperatingLeaseRightOfUseAssetAccumulatedAmortization_i01NI_di_zhISqipwoOfl" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 1pt">Less: Accumulated amortization right-of-use assets</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(39,764</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(36,281</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_40B_eus-gaap--OperatingLeaseRightOfUseAsset_i01I_zbX4utVSu9xh" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt">Operating lease right-of-use assets, net</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">13,461</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">16,944</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--OperatingLeaseLiability_iNI_di_zxxcHdzIM9w8" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Operating lease liabilities</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(15,533</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(19,236</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_ecustom--FinanceLeasesAbstract_iB_zPhdvOa8F826" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left">Finance Leases</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--FinanceLeaseRightOfUseAssetBeforeAccumulatedAmortization_iI_zxpWcycWQ1Xk" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Property and equipment, at cost</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">4,733</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">4,097</td><td style="text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--FinanceLeaseRightOfUseAssetAccumulatedAmortization_iNI_di_zd8CtPe5kHH4" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Less: Accumulated depreciation</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(3,969</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(3,684</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_407_eus-gaap--FinanceLeaseRightOfUseAsset_iI_z6jiKs0tTVBk" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Property and equipment, net</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">764</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">413</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--FinanceLeaseLiability_iNI_di_zLLytvL7nzLf" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Finance lease liabilities</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(791</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(428</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_ecustom--WeightedAverageDiscountRateAbstract_iB_z4IEEPpp63xl" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="font-weight: bold">Weighted Average Discount Rate</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--OperatingLeaseWeightedAverageDiscountRatePercent_iI_pip0_dp_z4SHyPNms2gd" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Operating lease</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5.0%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5.0%</td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--FinanceLeaseWeightedAverageDiscountRatePercent_iI_pip0_dp_zYF6tn7zbZ5c" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Finance lease</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6.6%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6.4%</td><td style="text-align: left"> </td></tr> </table> 53225000 53225000 39764000 36281000 13461000 16944000 15533000 19236000 4733000 4097000 3969000 3684000 764000 413000 791000 428000 0.050 0.050 0.066 0.064 <table cellpadding="0" cellspacing="0" id="xdx_89B_ecustom--LesseeOperatingAndFinanceLeaseLiablityMaturityTableTextBlock_pn3n3_zsIINdXkCQij" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Maturities of lease liabilities)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8B3_zOv4SEZCeYvk" style="display: none">Schedule of maturities of lease liabilities</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left">Maturities of lease liabilities were as follows:</td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: left">(In thousands)</td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Operating</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Finance</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; text-align: left">Year Ending December 31,</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Lease</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Lease</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; width: 66%">2026 (excluding the nine months ended September 30, 2026)</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98B_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsRemainderOfFiscalYear_iI_pn3n3_c20260930__us-gaap--PropertyPlantAndEquipmentByTypeAxis__custom--OperatingLeaseMember_zloiRoVtCETd" style="width: 13%; text-align: right" title="Operating lease, 2026 (excluding the nine months ended September 30, 2026)">1,408</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_985_eus-gaap--FinanceLeaseLiabilityPaymentsRemainderOfFiscalYear_iI_pn3n3_c20260930__us-gaap--PropertyPlantAndEquipmentByTypeAxis__custom--FinanceLeaseMember_zxCnxBRAqMdg" style="width: 13%; text-align: right" title="Finance lease, 2026 (excluding the nine months ended September 30, 2026)">113</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">2027</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths_iI_pn3n3_c20260930__us-gaap--PropertyPlantAndEquipmentByTypeAxis__custom--OperatingLeaseMember_zFQd5R1jrUD9" style="text-align: right" title="Operating lease, 2027">5,756</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--FinanceLeaseLiabilityPaymentsDueNextTwelveMonths_iI_pn3n3_c20260930__us-gaap--PropertyPlantAndEquipmentByTypeAxis__custom--FinanceLeaseMember_zIqEwrnsf2cg" style="text-align: right" title="Finance lease, 2027">393</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">2028</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueYearTwo_iI_pn3n3_c20260930__us-gaap--PropertyPlantAndEquipmentByTypeAxis__custom--OperatingLeaseMember_zNj3USDyJoS5" style="text-align: right" title="Operating lease, 2028">5,937</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--FinanceLeaseLiabilityPaymentsDueYearTwo_iI_pn3n3_c20260930__us-gaap--PropertyPlantAndEquipmentByTypeAxis__custom--FinanceLeaseMember_zP3vdHDxWgue" style="text-align: right" title="Finance lease, 2028">271</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">2029</td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueYearThree_iI_pn3n3_c20260930__us-gaap--PropertyPlantAndEquipmentByTypeAxis__custom--OperatingLeaseMember_zFvKmhktzS59" style="text-align: right" title="Operating lease, 2029">4,331</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--FinanceLeaseLiabilityPaymentsDueYearThree_iI_pn3n3_c20260930__us-gaap--PropertyPlantAndEquipmentByTypeAxis__custom--FinanceLeaseMember_zC1vzUoTJzBf" style="text-align: right" title="Finance lease, 2029">43</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">2030</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueYearFour_iI_pn3n3_c20260930__us-gaap--PropertyPlantAndEquipmentByTypeAxis__custom--OperatingLeaseMember_z1giwfRhwVgl" style="text-align: right" title="Operating lease, 2030">1,171</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--FinanceLeaseLiabilityPaymentsDueYearFour_iI_pn3n3_c20260930__us-gaap--PropertyPlantAndEquipmentByTypeAxis__custom--FinanceLeaseMember_zrHTDaepIWSb" style="text-align: right" title="Finance lease, 2030">27</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">2031</td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueYearFive_iI_pn3n3_c20260930__us-gaap--PropertyPlantAndEquipmentByTypeAxis__custom--OperatingLeaseMember_zeR5wb5V3ma1" style="text-align: right" title="Operating lease, 2031">719</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--FinanceLeaseLiabilityPaymentsDueYearFive_iI_pn3n3_c20260930__us-gaap--PropertyPlantAndEquipmentByTypeAxis__custom--FinanceLeaseMember_zybniHJMfzK6" style="text-align: right" title="Finance lease, 2031">20</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 1pt">Thereafter</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive_iI_pn3n3_c20260930__us-gaap--PropertyPlantAndEquipmentByTypeAxis__custom--OperatingLeaseMember_zWsuYFSD3mog" style="border-bottom: Black 1pt solid; text-align: right" title="Operating lease, thereafter">50</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--FinanceLeaseLiabilityPaymentsDueAfterYearFive_iI_pn3n3_d0_c20260930__us-gaap--PropertyPlantAndEquipmentByTypeAxis__custom--FinanceLeaseMember_zUlTksBEikc4" style="border-bottom: Black 1pt solid; text-align: right" title="Finance lease, thereafter">–</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Total undiscounted lease payments</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDue_iI_pn3n3_c20260930__us-gaap--PropertyPlantAndEquipmentByTypeAxis__custom--OperatingLeaseMember_z190BqADwP7l" style="text-align: right" title="Operating lease, total undiscounted lease payments">19,372</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--FinanceLeaseLiabilityPaymentsDue_iI_pn3n3_c20260930__us-gaap--PropertyPlantAndEquipmentByTypeAxis__custom--FinanceLeaseMember_zvnSChwXXcik" style="text-align: right" title="Finance lease, total undiscounted lease payments">867</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 1pt">Less amounts representing interest</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--LesseeOperatingLeaseLiabilityUndiscountedExcessAmount_iNI_pn3n3_di_c20260930__us-gaap--PropertyPlantAndEquipmentByTypeAxis__custom--OperatingLeaseMember_zz5Y3b72gBl" style="border-bottom: Black 1pt solid; text-align: right" title="Operating lease, less amounts representing interest">(3,839</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98B_eus-gaap--FinanceLeaseLiabilityUndiscountedExcessAmount_iNI_pn3n3_di_c20260930__us-gaap--PropertyPlantAndEquipmentByTypeAxis__custom--FinanceLeaseMember_z0U4smiTXu2a" style="border-bottom: Black 1pt solid; text-align: right" title="Finance lease, less amounts representing interest">(76</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt">Lease Liability</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98A_eus-gaap--OperatingLeaseLiability_pn3n3_c20260930__us-gaap--PropertyPlantAndEquipmentByTypeAxis__custom--OperatingLeaseMember_zlFneTLrISU" style="border-bottom: Black 2.5pt double; text-align: right" title="Operating Lease Liability">15,533</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98A_eus-gaap--FinanceLeaseLiability_iI_pn3n3_c20260930__us-gaap--PropertyPlantAndEquipmentByTypeAxis__custom--FinanceLeaseMember_zNZere9Timn4" style="border-bottom: Black 2.5pt double; text-align: right" title="Finance Lease Liability">791</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 1408000 113000 5756000 393000 5937000 271000 4331000 43000 1171000 27000 719000 20000 50000 0 19372000 867000 3839000 76000 15533000 791000 <table cellpadding="0" cellspacing="0" id="xdx_893_eus-gaap--LeaseCostTableTextBlock_pn3n3_z91kGIcyZEnc" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Lease cost)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8BB_z56eLRixsmY" style="display: none">Schedule of lease cost</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_49B_20260701__20260930_zNgTMqcQFAh5" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49B_20250701__20250930_zjphgEOWc7ic" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49E_20260101__20260930_zQMUAnciDECf" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_492_20250101__20250930_znZEKLPCUbm7" style="text-align: center"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Three Months Ended</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Nine Months Ended</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2026</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2025</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2026</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2025</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr id="xdx_407_eus-gaap--OperatingLeaseCost_zsAaXg4gwBX6" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 32%; text-align: left">Operating lease cost</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">1,317</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">1,126</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">3,954</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">3,748</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_408_ecustom--FinanceLeaseCost_zgkAy1gDlFF3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Finance lease cost</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">112</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">55</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">319</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">164</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--LeaseCost_i_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Total lease cost</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,429</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,181</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">4,273</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">3,912</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 1317000 1126000 3954000 3748000 112000 55000 319000 164000 1429000 1181000 4273000 3912000 <table cellpadding="0" cellspacing="0" id="xdx_89B_eus-gaap--ScheduleOfCashFlowSupplementalDisclosuresTableTextBlock_pn3n3_zzauDS1ZQdW9" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Lease cash flow)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8BC_zC2QO3L4w0E4" style="display: none">Schedule of supplemental cash flow information related to leases</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_495_20260701__20260930_zhx0dK4oCHg5" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_491_20250701__20250930_zGNFtbrK7EAd" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49B_20260101__20260930_zi36QoqR4Fdi" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49C_20250101__20250930_zvbWJ6W1tkw4" style="text-align: center"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Three Months Ended</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Nine Months Ended</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2026</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2025</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2026</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2025</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr id="xdx_40D_ecustom--CashPaidForAmountsIncludedInMeasurementOfLeaseLiabilitiesAbstract_iB_zs6tc1Hnicbk" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="font-weight: bold; text-align: left; text-indent: -10pt; padding-left: 10pt">Cash paid for amounts included in the measurement of lease liabilities:</td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold"> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--OperatingLeasePayments_i01_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="width: 32%; text-align: left">Operating cash flows from operating leases</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">1,317</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">1,126</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">3,954</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">3,748</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_408_eus-gaap--FinanceLeaseInterestPaymentOnLiability_i01_pn3n3_zyvo3PbtvJw" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Operating cash flows from finance leases</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">97</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">48</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">274</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">142</td><td style="text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--FinanceLeasePrincipalPayments_i01_pn3n3_zYlMa7OrCeG9" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Financing cash flows from finance leases</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">15</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">7</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">45</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">22</td><td style="text-align: left"> </td></tr> </table> 1317000 1126000 3954000 3748000 97000 48000 274000 142000 15000 7000 45000 22000 <p id="xdx_849_eus-gaap--ShareBasedCompensationOptionAndIncentivePlansPolicy_zNaAJ53XzYU4" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_86C_zkSNzu2MlWNj">Stock-based Compensation</span></b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">We recognize compensation costs in the financial statements for all share-based payments based on the grant date fair value estimated in accordance with the provisions of ASC 718 “Stock Compensation”.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">For the three and nine months ended September 30, 2026, we recorded stock-based compensation costs in the amount of $<span id="xdx_909_eus-gaap--AllocatedShareBasedCompensationExpense_pp0p0_c20260701__20260930_zFY38f2dgNcj" title="Stock-based compensation costs">548,000</span> and $<span id="xdx_903_eus-gaap--AllocatedShareBasedCompensationExpense_pn5n6_c20260101__20260930_zFjBis2zQxm6" title="Stock-based compensation costs">1.6</span> million respectively. As of September 30, 2026, unrecognized stock-based compensation costs to be recognized over future periods equaled $<span id="xdx_909_eus-gaap--EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions_iI_pn5n6_c20260930_zHb2apZ8RAF8" title="Unrecognized stock-based compensation costs">8.8</span> million. This amount will be recognized as expense over a weighted-average period of <span id="xdx_908_eus-gaap--EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1_dtY_c20260101__20260930_zOPgkGRswq4l" title="Weighted average period">3.41</span> years.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The following represents stock option activity for the nine months ended September 30, 2026:</p> <table cellpadding="0" cellspacing="0" id="xdx_894_eus-gaap--ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock_pn3n3_zaX0PsP2WcPk" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Option activity)"> <tr style="vertical-align: bottom"> <td style="padding-left: 10pt"><span id="xdx_8B4_z2IgQf8WkZx8" style="display: none">Schedule of stock option activity</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: center"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center">Weighted</td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Number of</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Weighted</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center">Average</td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Shares</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Average</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center">Remaining</td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">(in thousands)</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Exercise Price</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Contractual Term</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 49%; text-align: left">Options outstanding at the beginning of period</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_988_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iS_pn3n3_c20260101__20260930_z0gpuNed08mb" style="width: 13%; text-align: right" title="Options outstanding, beginning balance">6,123</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98B_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_iS_pip0_c20260101__20260930_zceBQxoUbY5a" style="width: 13%; text-align: right" title="Weighted average exercise price, beginning balance">6.41</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 15%; text-align: center">N/A</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 10pt">Granted</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod_pn3n3_c20260101__20260930_zwlw88imqaJe" style="text-align: right" title="Options granted">1,360</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98B_eus-gaap--ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice_pip0_c20260101__20260930_zeQoNaMoYHRd" style="text-align: right" title="Weighted average exercise price granted">9.20</td><td style="text-align: left"> </td><td> </td> <td style="text-align: center">N/A</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-left: 10pt">Exercised</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--StockIssuedDuringPeriodSharesStockOptionsExercised_iN_pn3n3_di_c20260101__20260930_zRmci0B4tM61" style="text-align: right" title="Options exercised">(996</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left">$</td><td id="xdx_981_eus-gaap--ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice_pip0_c20260101__20260930_zfk8pIqlW27d" style="text-align: right" title="Weighted average exercise price exercised">3.46</td><td style="text-align: left"> </td><td> </td> <td style="text-align: center">N/A</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 10pt">Forfeited</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod_iN_pn3n3_di0_c20260101__20260930_zlDtEzwbbqIc" style="border-bottom: Black 1pt solid; text-align: right" title="Options forfeited">–</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left">$</td><td id="xdx_980_eus-gaap--ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExpirationsInPeriodWeightedAverageExercisePrice_pip0_d0_c20260101__20260930_zTXkEnOOg4Z" style="padding-bottom: 1pt; text-align: right" title="Weighted average exercise price forfeited">–</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: center; padding-bottom: 1pt">N/A</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Options outstanding at the end of period</td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td id="xdx_98C_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iE_pn3n3_c20260101__20260930_zoyIcVOltKb4" style="border-bottom: Black 2.5pt double; text-align: right" title="Options outstanding, ending balance">6,487</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_984_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_iE_pip0_c20260101__20260930_zetMY91Ldn76" style="border-bottom: Black 2.5pt double; text-align: right" title="Weighted average exercise price, ending balance">7.44</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: center"><span id="xdx_90D_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2_dtY_c20260101__20260930_zIAXsc2qYXaj" title="Weighted average remaining contractual term">3.78</span> years</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Options exercisable at the end of period</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20260930_zw4Qwg9KytZd" style="border-bottom: Black 2.5pt double; text-align: right" title="Options exercisable">4,055</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice_iI_pip0_c20260930_z1Vduofxd924" style="border-bottom: Black 2.5pt double; text-align: right" title="Weighted average exercise price, exercisable">6.66</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: center"><span id="xdx_906_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageRemainingContractualTerm2_dtY_c20260101__20260930_zDnn9VXcljm4" title="Weighted average remaining contractual term, exercisable">2.17</span> years</td></tr> </table> <p id="xdx_8A3_zrCibvCtG4xi" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The following table presents the price distribution of stock options outstanding and exercisable as of September 30, 2026 and December 31, 2025</p> <table cellpadding="0" cellspacing="0" id="xdx_892_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingAndExercisableTableTextBlock_pn3n3_zhGlAuZ8u9Xi" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Options outstanding and exercisable)"> <tr style="vertical-align: bottom; background-color: White"> <td><span id="xdx_8B9_zR2V9A8mTmQa" style="display: none">Schedule of price distribution of stock options outstanding and exercisable</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td><b> </b></td><td><b> </b></td> <td colspan="6" style="text-align: center"><b>Number of shares as of</b></td><td><b> </b></td><td><b> </b></td> <td colspan="6" style="text-align: center"><b>Number of shares as of</b></td><td><b> </b></td></tr> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1pt"><b> </b></td><td style="padding-bottom: 1pt"><b> </b></td> <td colspan="6" style="border-bottom: Black 1pt solid; text-align: center"><b>September 30, 2026</b></td><td style="padding-bottom: 1pt"><b> </b></td><td style="padding-bottom: 1pt"><b> </b></td> <td colspan="6" style="border-bottom: Black 1pt solid; text-align: center"><b>December 31, 2025</b></td><td style="padding-bottom: 1pt"><b> </b></td></tr> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1pt"><b> </b></td><td style="padding-bottom: 1pt"><b> </b></td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><b>Outstanding</b></td><td style="padding-bottom: 1pt"><b> </b></td><td style="padding-bottom: 1pt"><b> </b></td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><b>Exercisable</b></td><td style="padding-bottom: 1pt"><b> </b></td><td style="padding-bottom: 1pt"><b> </b></td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><b>Outstanding</b></td><td style="padding-bottom: 1pt"><b> </b></td><td style="padding-bottom: 1pt"><b> </b></td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><b>Exercisable</b></td><td style="padding-bottom: 1pt"><b> </b></td></tr> <tr style="vertical-align: bottom"> <td><b>Range of exercise prices:</b></td><td><b> </b></td> <td colspan="6" style="text-align: center"><b>(In thousands)</b></td><td><b> </b></td><td><b> </b></td> <td colspan="6" style="text-align: center"><b>(In thousands)</b></td><td><b> </b></td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 40%">$2.00 - $2.99</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20260930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range1Member_z4MGDJJOMMZ1" style="width: 11%; text-align: right" title="Number of shares, outstanding">1,015</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_986_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20260930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range1Member_z3ubXUn6sM9i" style="width: 11%; text-align: right" title="Number of shares, exercisable">1,015</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20251231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range1Member_zc8vDezOxG62" style="width: 11%; text-align: right" title="Number of shares, outstanding">1,098</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20251231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range1Member_ziweGxtFZB3a" style="width: 11%; text-align: right" title="Number of shares, exercisable">1,098</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>$3.00 - $3.99</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_d0_c20260930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range2Member_zPgwjiNRU5R1" style="text-align: right" title="Number of shares, outstanding">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_d0_c20260930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range2Member_zlraCGzl5ha9" style="text-align: right" title="Number of shares, exercisable">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20251231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range2Member_zSayvN4OaQvc" style="text-align: right" title="Number of shares, outstanding">897</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20251231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range2Member_zA6ox42TlOji" style="text-align: right" title="Number of shares, exercisable">897</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>$4.00 - $4.99</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20260930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range3Member_zJIYxaOjblCe" style="text-align: right" title="Number of shares, outstanding">1,130</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20260930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range3Member_zRtgjSUTMEid" style="text-align: right" title="Number of shares, exercisable">1,130</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20251231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range3Member_zbWC3BexvtOi" style="text-align: right" title="Number of shares, outstanding">1,145</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20251231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range3Member_zlOrgg41nDrj" style="text-align: right" title="Number of shares, exercisable">1,145</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>$8.00 - $8.99</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20260930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range4Member_zaCw0do7Ehkj" style="text-align: right" title="Number of shares, outstanding">1,430</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20260930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range4Member_zvsAvvcfa82i" style="text-align: right" title="Number of shares, exercisable">358</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_d0_c20251231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range4Member_zEzjqEeMgv34" style="text-align: right" title="Number of shares, outstanding">1,430</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_d0_c20251231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range4Member_zZjmNKwiveV9" style="text-align: right" title="Number of shares, exercisable">–</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>$9.00 - $9.99</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20260930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range5Member_zdMuh1os4C03" style="text-align: right" title="Number of shares, outstanding">1,360</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_d0_c20260930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range5Member_ztfXgwEnY7i6" style="text-align: right" title="Number of shares, exercisable">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_d0_c20251231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range5Member_zbDfJSKFzIi4" style="text-align: right" title="Number of shares, outstanding">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_d0_c20251231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range5Member_zdhDqdNY07ua" style="text-align: right" title="Number of shares, exercisable">–</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt">$10.00 - $10.99</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20260930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range6Member_z9cR2MMx3Mk4" style="border-bottom: Black 1pt solid; text-align: right" title="Number of shares, outstanding">1,552</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td id="xdx_988_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20260930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range6Member_zo7os9rYYike" style="border-bottom: Black 1pt solid; text-align: right" title="Number of shares, exercisable">1,552</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td id="xdx_980_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20251231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range6Member_zC23iBUXIs9a" style="border-bottom: Black 1pt solid; text-align: right" title="Number of shares, outstanding">1,553</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td id="xdx_985_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20251231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range6Member_zGQvI9fRTJi5" style="border-bottom: Black 1pt solid; text-align: right" title="Number of shares, exercisable">1,253</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 2.5pt">Total shares</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20260930_z4Zdn42mVkel" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, outstanding">6,487</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td id="xdx_981_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20260930_zWLtPoJAVTsk" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, exercisable">4,055</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td id="xdx_98E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20251231_zo0oXigkANud" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, outstanding">6,123</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td id="xdx_984_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20251231_zdm1GA3UP2F" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, exercisable">4,393</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8AF_zNjZ36Pumea" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">At September 30, 2026, the aggregate intrinsic value of options outstanding and exercisable was $<span id="xdx_90F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue_iI_pn5n6_c20260930_zsZ8GWrRZP9h" title="Intrinsic value options outstanding">12.9</span> million and $<span id="xdx_90A_eus-gaap--SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1_iI_pn5n6_c20260930_z2k4qhWjO9l" title="Intrinsic value options exercisable">11.9</span> million respectively. There were <span id="xdx_900_eus-gaap--StockIssuedDuringPeriodSharesStockOptionsExercised_pip0_c20260101__20260930_zSR4hr4EhMQ8" title="Options exercised">996,000</span> options exercised for the nine months ended September 30, 2026, compared to <span id="xdx_908_eus-gaap--StockIssuedDuringPeriodSharesStockOptionsExercised_pn5n6_c20250101__20250930_zU65HOF5UAB4" title="Options exercised">1.4</span> million for the comparable period in 2025. The total intrinsic value of options exercised was $<span id="xdx_90D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue_pn5n6_c20260101__20260930_zAqtQXNci49k" title="Intrinsic value of options exercised">5.8</span> million and $<span id="xdx_903_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue_pn5n6_c20250101__20250930_zRt89HM3NQx2" title="Intrinsic value of options exercised">8.4</span> million for the nine-month periods ended September 30, 2026 and 2025. There were <span id="xdx_90D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant_iI_pip0_c20260930_zucifYvOjkC4" title="Shares available for grant">3,246,000</span> shares available for future stock option grants under existing plans as of September 30, 2026.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> 548000 1600000 8800000 P3Y4M28D <table cellpadding="0" cellspacing="0" id="xdx_894_eus-gaap--ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock_pn3n3_zaX0PsP2WcPk" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Option activity)"> <tr style="vertical-align: bottom"> <td style="padding-left: 10pt"><span id="xdx_8B4_z2IgQf8WkZx8" style="display: none">Schedule of stock option activity</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: center"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center">Weighted</td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Number of</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Weighted</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center">Average</td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Shares</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Average</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center">Remaining</td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">(in thousands)</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Exercise Price</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Contractual Term</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 49%; text-align: left">Options outstanding at the beginning of period</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_988_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iS_pn3n3_c20260101__20260930_z0gpuNed08mb" style="width: 13%; text-align: right" title="Options outstanding, beginning balance">6,123</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98B_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_iS_pip0_c20260101__20260930_zceBQxoUbY5a" style="width: 13%; text-align: right" title="Weighted average exercise price, beginning balance">6.41</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 15%; text-align: center">N/A</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 10pt">Granted</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod_pn3n3_c20260101__20260930_zwlw88imqaJe" style="text-align: right" title="Options granted">1,360</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98B_eus-gaap--ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice_pip0_c20260101__20260930_zeQoNaMoYHRd" style="text-align: right" title="Weighted average exercise price granted">9.20</td><td style="text-align: left"> </td><td> </td> <td style="text-align: center">N/A</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-left: 10pt">Exercised</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--StockIssuedDuringPeriodSharesStockOptionsExercised_iN_pn3n3_di_c20260101__20260930_zRmci0B4tM61" style="text-align: right" title="Options exercised">(996</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left">$</td><td id="xdx_981_eus-gaap--ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice_pip0_c20260101__20260930_zfk8pIqlW27d" style="text-align: right" title="Weighted average exercise price exercised">3.46</td><td style="text-align: left"> </td><td> </td> <td style="text-align: center">N/A</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 10pt">Forfeited</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod_iN_pn3n3_di0_c20260101__20260930_zlDtEzwbbqIc" style="border-bottom: Black 1pt solid; text-align: right" title="Options forfeited">–</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left">$</td><td id="xdx_980_eus-gaap--ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExpirationsInPeriodWeightedAverageExercisePrice_pip0_d0_c20260101__20260930_zTXkEnOOg4Z" style="padding-bottom: 1pt; text-align: right" title="Weighted average exercise price forfeited">–</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: center; padding-bottom: 1pt">N/A</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Options outstanding at the end of period</td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td id="xdx_98C_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iE_pn3n3_c20260101__20260930_zoyIcVOltKb4" style="border-bottom: Black 2.5pt double; text-align: right" title="Options outstanding, ending balance">6,487</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_984_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_iE_pip0_c20260101__20260930_zetMY91Ldn76" style="border-bottom: Black 2.5pt double; text-align: right" title="Weighted average exercise price, ending balance">7.44</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: center"><span id="xdx_90D_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2_dtY_c20260101__20260930_zIAXsc2qYXaj" title="Weighted average remaining contractual term">3.78</span> years</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Options exercisable at the end of period</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20260930_zw4Qwg9KytZd" style="border-bottom: Black 2.5pt double; text-align: right" title="Options exercisable">4,055</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice_iI_pip0_c20260930_z1Vduofxd924" style="border-bottom: Black 2.5pt double; text-align: right" title="Weighted average exercise price, exercisable">6.66</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: center"><span id="xdx_906_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageRemainingContractualTerm2_dtY_c20260101__20260930_zDnn9VXcljm4" title="Weighted average remaining contractual term, exercisable">2.17</span> years</td></tr> </table> 6123000 6.41 1360000 9.20 996000 3.46 -0 0 6487000 7.44 P3Y9M10D 4055000 6.66 P2Y2M1D <table cellpadding="0" cellspacing="0" id="xdx_892_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingAndExercisableTableTextBlock_pn3n3_zhGlAuZ8u9Xi" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Options outstanding and exercisable)"> <tr style="vertical-align: bottom; background-color: White"> <td><span id="xdx_8B9_zR2V9A8mTmQa" style="display: none">Schedule of price distribution of stock options outstanding and exercisable</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td><b> </b></td><td><b> </b></td> <td colspan="6" style="text-align: center"><b>Number of shares as of</b></td><td><b> </b></td><td><b> </b></td> <td colspan="6" style="text-align: center"><b>Number of shares as of</b></td><td><b> </b></td></tr> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1pt"><b> </b></td><td style="padding-bottom: 1pt"><b> </b></td> <td colspan="6" style="border-bottom: Black 1pt solid; text-align: center"><b>September 30, 2026</b></td><td style="padding-bottom: 1pt"><b> </b></td><td style="padding-bottom: 1pt"><b> </b></td> <td colspan="6" style="border-bottom: Black 1pt solid; text-align: center"><b>December 31, 2025</b></td><td style="padding-bottom: 1pt"><b> </b></td></tr> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1pt"><b> </b></td><td style="padding-bottom: 1pt"><b> </b></td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><b>Outstanding</b></td><td style="padding-bottom: 1pt"><b> </b></td><td style="padding-bottom: 1pt"><b> </b></td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><b>Exercisable</b></td><td style="padding-bottom: 1pt"><b> </b></td><td style="padding-bottom: 1pt"><b> </b></td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><b>Outstanding</b></td><td style="padding-bottom: 1pt"><b> </b></td><td style="padding-bottom: 1pt"><b> </b></td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><b>Exercisable</b></td><td style="padding-bottom: 1pt"><b> </b></td></tr> <tr style="vertical-align: bottom"> <td><b>Range of exercise prices:</b></td><td><b> </b></td> <td colspan="6" style="text-align: center"><b>(In thousands)</b></td><td><b> </b></td><td><b> </b></td> <td colspan="6" style="text-align: center"><b>(In thousands)</b></td><td><b> </b></td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 40%">$2.00 - $2.99</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20260930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range1Member_z4MGDJJOMMZ1" style="width: 11%; text-align: right" title="Number of shares, outstanding">1,015</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_986_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20260930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range1Member_z3ubXUn6sM9i" style="width: 11%; text-align: right" title="Number of shares, exercisable">1,015</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20251231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range1Member_zc8vDezOxG62" style="width: 11%; text-align: right" title="Number of shares, outstanding">1,098</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20251231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range1Member_ziweGxtFZB3a" style="width: 11%; text-align: right" title="Number of shares, exercisable">1,098</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>$3.00 - $3.99</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_d0_c20260930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range2Member_zPgwjiNRU5R1" style="text-align: right" title="Number of shares, outstanding">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_d0_c20260930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range2Member_zlraCGzl5ha9" style="text-align: right" title="Number of shares, exercisable">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20251231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range2Member_zSayvN4OaQvc" style="text-align: right" title="Number of shares, outstanding">897</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20251231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range2Member_zA6ox42TlOji" style="text-align: right" title="Number of shares, exercisable">897</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>$4.00 - $4.99</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20260930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range3Member_zJIYxaOjblCe" style="text-align: right" title="Number of shares, outstanding">1,130</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20260930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range3Member_zRtgjSUTMEid" style="text-align: right" title="Number of shares, exercisable">1,130</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20251231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range3Member_zbWC3BexvtOi" style="text-align: right" title="Number of shares, outstanding">1,145</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20251231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range3Member_zlOrgg41nDrj" style="text-align: right" title="Number of shares, exercisable">1,145</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>$8.00 - $8.99</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20260930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range4Member_zaCw0do7Ehkj" style="text-align: right" title="Number of shares, outstanding">1,430</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20260930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range4Member_zvsAvvcfa82i" style="text-align: right" title="Number of shares, exercisable">358</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_d0_c20251231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range4Member_zEzjqEeMgv34" style="text-align: right" title="Number of shares, outstanding">1,430</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_d0_c20251231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range4Member_zZjmNKwiveV9" style="text-align: right" title="Number of shares, exercisable">–</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>$9.00 - $9.99</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20260930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range5Member_zdMuh1os4C03" style="text-align: right" title="Number of shares, outstanding">1,360</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_d0_c20260930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range5Member_ztfXgwEnY7i6" style="text-align: right" title="Number of shares, exercisable">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_d0_c20251231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range5Member_zbDfJSKFzIi4" style="text-align: right" title="Number of shares, outstanding">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_d0_c20251231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range5Member_zdhDqdNY07ua" style="text-align: right" title="Number of shares, exercisable">–</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt">$10.00 - $10.99</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20260930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range6Member_z9cR2MMx3Mk4" style="border-bottom: Black 1pt solid; text-align: right" title="Number of shares, outstanding">1,552</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td id="xdx_988_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20260930__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range6Member_zo7os9rYYike" style="border-bottom: Black 1pt solid; text-align: right" title="Number of shares, exercisable">1,552</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td id="xdx_980_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20251231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range6Member_zC23iBUXIs9a" style="border-bottom: Black 1pt solid; text-align: right" title="Number of shares, outstanding">1,553</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td id="xdx_985_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20251231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range6Member_zGQvI9fRTJi5" style="border-bottom: Black 1pt solid; text-align: right" title="Number of shares, exercisable">1,253</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 2.5pt">Total shares</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20260930_z4Zdn42mVkel" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, outstanding">6,487</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td id="xdx_981_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20260930_zWLtPoJAVTsk" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, exercisable">4,055</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td id="xdx_98E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20251231_zo0oXigkANud" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, outstanding">6,123</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td id="xdx_984_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20251231_zdm1GA3UP2F" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, exercisable">4,393</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 1015000 1015000 1098000 1098000 0 0 897000 897000 1130000 1130000 1145000 1145000 1430000 358000 1430000 0 1360000 0 0 0 1552000 1552000 1553000 1253000 6487000 4055000 6123000 4393000 12900000 11900000 996000 1400000 5800000 8400000 3246000 <p id="xdx_84E_eus-gaap--StockholdersEquityPolicyTextBlock_zbh7YjZdNYJ6" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_86B_zeBDfa7OVZu7">Purchases of Company Stock</span></b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The table below describes the purchase of our common stock for the nine months ended September 30, 2026, and 2025:</p> <table cellpadding="0" cellspacing="0" id="xdx_890_eus-gaap--ScheduleOfTreasuryStockByClassTextBlock_pn3n3_zR4GPbB4V3xj" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Stock purchases)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8B9_z2jV1wOiUKzk" style="display: none">Schedule of purchase of our common stock</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="14" style="font-weight: bold; text-align: center">Nine Months Ended</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30, 2026</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30, 2025</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Shares</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Avg. Price</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Shares</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Avg. Price</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 40%; text-align: left">Open market purchases</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_986_eus-gaap--StockRepurchasedDuringPeriodShares_pip0_c20260101__20260930__us-gaap--ShareRepurchaseProgramAxis__custom--OpenMarketPurchasesMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zLagQ13IX0tb" style="width: 11%; text-align: right" title="Total stock purchases, shares">437,664</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_982_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pip0_c20260101__20260930__us-gaap--ShareRepurchaseProgramAxis__custom--OpenMarketPurchasesMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zas5XVP6a7F2" style="width: 11%; text-align: right" title="Total stock purchases, average price">9.23</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98A_eus-gaap--StockRepurchasedDuringPeriodShares_pip0_c20250101__20250930__us-gaap--ShareRepurchaseProgramAxis__custom--OpenMarketPurchasesMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zrxzt9pg1GS3" style="width: 11%; text-align: right" title="Total stock purchases, shares">89,362</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_987_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pip0_c20250101__20250930__us-gaap--ShareRepurchaseProgramAxis__custom--OpenMarketPurchasesMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zvrMaF84OI34" style="width: 11%; text-align: right" title="Total stock purchases, average price">9.48</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Shares redeemed upon net exercise of stock options</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--StockRepurchasedDuringPeriodShares_pip0_c20260101__20260930__srt--ShareRepurchaseProgramAxis__custom--SharesRedeemedUponNetExerciseOfStockOptionsMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zlksXIcnmZA4" style="text-align: right" title="Total stock purchases, shares">165,993</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_980_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pip0_c20260101__20260930__srt--ShareRepurchaseProgramAxis__custom--SharesRedeemedUponNetExerciseOfStockOptionsMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zJOXcZxlEwSi" style="text-align: right" title="Total stock purchases, average price">9.51</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--StockRepurchasedDuringPeriodShares_pip0_c20250101__20250930__srt--ShareRepurchaseProgramAxis__custom--SharesRedeemedUponNetExerciseOfStockOptionsMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zgC0HkGya7T1" style="text-align: right" title="Total stock purchases, shares">451,937</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_983_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pip0_c20250101__20250930__srt--ShareRepurchaseProgramAxis__custom--SharesRedeemedUponNetExerciseOfStockOptionsMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_z4f4TrP6LNs8" style="text-align: right" title="Total stock purchases, average price">9.76</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 1pt">Other</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--StockRepurchasedDuringPeriodShares_pip0_c20260101__20260930__us-gaap--ShareRepurchaseProgramAxis__custom--OtherMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_z2NI6weHd9K5" style="border-bottom: Black 1pt solid; text-align: right" title="Total stock purchases, shares">345,000</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td id="xdx_98D_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pip0_c20260101__20260930__us-gaap--ShareRepurchaseProgramAxis__custom--OtherMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zvE91vcWXD1e" style="border-bottom: Black 1pt solid; text-align: right" title="Total stock purchases, average price">9.39</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--StockRepurchasedDuringPeriodShares_pip0_c20250101__20250930__us-gaap--ShareRepurchaseProgramAxis__custom--OtherMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zW1s0D8f525d" style="border-bottom: Black 1pt solid; text-align: right" title="Total stock purchases, shares">100,000</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td id="xdx_980_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pip0_c20250101__20250930__us-gaap--ShareRepurchaseProgramAxis__custom--OtherMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zmcCHvekNNrg" style="border-bottom: Black 1pt solid; text-align: right" title="Total stock purchases, average price">8.62</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt">Total stock purchases</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_981_eus-gaap--StockRepurchasedDuringPeriodShares_pip0_d0_c20260101__20260930__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zCAkPE3sVoti" style="border-bottom: Black 2.5pt double; text-align: right" title="Total stock purchases, shares">948,657</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_988_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pip0_c20260101__20260930__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zDCvLC1hbdjf" style="border-bottom: Black 2.5pt double; text-align: right" title="Total stock purchases, average price">9.34</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_988_eus-gaap--StockRepurchasedDuringPeriodShares_pip0_c20250101__20250930__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zS2Go0fzBPF5" style="border-bottom: Black 2.5pt double; text-align: right" title="Total stock purchases, shares">641,299</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98C_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pip0_c20250101__20250930__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zIEYdlwsDaLc" style="border-bottom: Black 2.5pt double; text-align: right" title="Total stock purchases, average price">9.54</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A6_zIf2Mw22lvub" style="margin-top: 0; margin-bottom: 0"> </p> <table cellpadding="0" cellspacing="0" id="xdx_890_eus-gaap--ScheduleOfTreasuryStockByClassTextBlock_pn3n3_zR4GPbB4V3xj" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details - Stock purchases)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8B9_z2jV1wOiUKzk" style="display: none">Schedule of purchase of our common stock</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="14" style="font-weight: bold; text-align: center">Nine Months Ended</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30, 2026</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30, 2025</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Shares</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Avg. Price</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Shares</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Avg. Price</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 40%; text-align: left">Open market purchases</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_986_eus-gaap--StockRepurchasedDuringPeriodShares_pip0_c20260101__20260930__us-gaap--ShareRepurchaseProgramAxis__custom--OpenMarketPurchasesMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zLagQ13IX0tb" style="width: 11%; text-align: right" title="Total stock purchases, shares">437,664</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_982_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pip0_c20260101__20260930__us-gaap--ShareRepurchaseProgramAxis__custom--OpenMarketPurchasesMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zas5XVP6a7F2" style="width: 11%; text-align: right" title="Total stock purchases, average price">9.23</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98A_eus-gaap--StockRepurchasedDuringPeriodShares_pip0_c20250101__20250930__us-gaap--ShareRepurchaseProgramAxis__custom--OpenMarketPurchasesMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zrxzt9pg1GS3" style="width: 11%; text-align: right" title="Total stock purchases, shares">89,362</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_987_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pip0_c20250101__20250930__us-gaap--ShareRepurchaseProgramAxis__custom--OpenMarketPurchasesMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zvrMaF84OI34" style="width: 11%; text-align: right" title="Total stock purchases, average price">9.48</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Shares redeemed upon net exercise of stock options</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--StockRepurchasedDuringPeriodShares_pip0_c20260101__20260930__srt--ShareRepurchaseProgramAxis__custom--SharesRedeemedUponNetExerciseOfStockOptionsMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zlksXIcnmZA4" style="text-align: right" title="Total stock purchases, shares">165,993</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_980_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pip0_c20260101__20260930__srt--ShareRepurchaseProgramAxis__custom--SharesRedeemedUponNetExerciseOfStockOptionsMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zJOXcZxlEwSi" style="text-align: right" title="Total stock purchases, average price">9.51</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--StockRepurchasedDuringPeriodShares_pip0_c20250101__20250930__srt--ShareRepurchaseProgramAxis__custom--SharesRedeemedUponNetExerciseOfStockOptionsMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zgC0HkGya7T1" style="text-align: right" title="Total stock purchases, shares">451,937</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_983_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pip0_c20250101__20250930__srt--ShareRepurchaseProgramAxis__custom--SharesRedeemedUponNetExerciseOfStockOptionsMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_z4f4TrP6LNs8" style="text-align: right" title="Total stock purchases, average price">9.76</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 1pt">Other</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--StockRepurchasedDuringPeriodShares_pip0_c20260101__20260930__us-gaap--ShareRepurchaseProgramAxis__custom--OtherMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_z2NI6weHd9K5" style="border-bottom: Black 1pt solid; text-align: right" title="Total stock purchases, shares">345,000</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td id="xdx_98D_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pip0_c20260101__20260930__us-gaap--ShareRepurchaseProgramAxis__custom--OtherMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zvE91vcWXD1e" style="border-bottom: Black 1pt solid; text-align: right" title="Total stock purchases, average price">9.39</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--StockRepurchasedDuringPeriodShares_pip0_c20250101__20250930__us-gaap--ShareRepurchaseProgramAxis__custom--OtherMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zW1s0D8f525d" style="border-bottom: Black 1pt solid; text-align: right" title="Total stock purchases, shares">100,000</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td id="xdx_980_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pip0_c20250101__20250930__us-gaap--ShareRepurchaseProgramAxis__custom--OtherMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zmcCHvekNNrg" style="border-bottom: Black 1pt solid; text-align: right" title="Total stock purchases, average price">8.62</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt">Total stock purchases</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_981_eus-gaap--StockRepurchasedDuringPeriodShares_pip0_d0_c20260101__20260930__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zCAkPE3sVoti" style="border-bottom: Black 2.5pt double; text-align: right" title="Total stock purchases, shares">948,657</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_988_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pip0_c20260101__20260930__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zDCvLC1hbdjf" style="border-bottom: Black 2.5pt double; text-align: right" title="Total stock purchases, average price">9.34</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_988_eus-gaap--StockRepurchasedDuringPeriodShares_pip0_c20250101__20250930__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zS2Go0fzBPF5" style="border-bottom: Black 2.5pt double; text-align: right" title="Total stock purchases, shares">641,299</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98C_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pip0_c20250101__20250930__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zIEYdlwsDaLc" style="border-bottom: Black 2.5pt double; text-align: right" title="Total stock purchases, average price">9.54</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 437664 9.23 89362 9.48 165993 9.51 451937 9.76 345000 9.39 100000 8.62 948657 9.34 641299 9.54 <p id="xdx_844_eus-gaap--PriorPeriodReclassificationAdjustmentDescription_zZRheYme1Bxa" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_86A_zuZx9DOgb12e">Reclassifications</span></b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Some items in the prior year financial statements were reclassified to conform to the current presentation. Reclassifications had no effect on net income or shareholders’ equity.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p id="xdx_84E_ecustom--FinancialCovenantsPolicyTextBlock_zrdTtIaao5U" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_86D_zbiKdMVGSoKe">Financial Covenants</span> </b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Certain of our securitization transactions, our warehouse credit facilities and our residual interest financing contain various financial covenants requiring minimum financial ratios and results. Such covenants include maintaining minimum levels of liquidity and net worth and not exceeding maximum leverage levels. As of September 30, 2026, we were in compliance with all such covenants. In addition, certain of our debt agreements other than our term securitizations contain cross-default provisions. Such cross-default provisions would allow the respective creditors to declare a default if an event of default occurred with respect to other indebtedness of ours, but only if such other event of default were to be accompanied by acceleration of such other indebtedness.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p id="xdx_84A_eus-gaap--CommitmentsAndContingenciesPolicyTextBlock_zvks6lTi4TR3" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><b><span id="xdx_862_ztzxbe7PSbwf">Provision for Contingent Liabilities</span></b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">We are routinely involved in various legal proceedings resulting from our consumer finance activities and practices, both continuing and discontinued. Our legal counsel has advised us on such matters where, based on information available at the time of this report, there is an indication that it is both probable that a liability has been incurred and the amount of the loss can be reasonably determined. This is described further in footnote 8.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p id="xdx_847_eus-gaap--NewAccountingPronouncementsPolicyPolicyTextBlock_zhlduSh30ixb" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_860_zsfSLyb7MY3">Recent Accounting Pronouncements</span> </b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">We do not believe that any accounting pronouncements issued, but not yet effective, are applicable or would have a material impact on our consolidated financial statements or disclosures, if adopted.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p id="xdx_80E_eus-gaap--FinancingReceivablesTextBlock_zO8NF6vpOeji" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b>(2) <i><span id="xdx_826_zmQzvbJ1oQBf">Finance receivables measured at fair value</span> </i></b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Our portfolio of finance receivables consists of small-balance homogeneous contracts comprising a single segment. Our contract purchase guidelines are designed to produce a homogenous portfolio. For key terms such as interest rate, length of contract, monthly payment and amount financed, there is relatively little variation from the average for the portfolio.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">We have elected to use the fair value method to value our portfolio of finance receivables acquired. The accounting treatment follows the fair value hierarchy outlined in ASC 820, "Fair Value Measurements", and the inputs and assumptions are level 3. This is described further in footnote 9.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Our valuation policies and procedures have been developed by our Accounting department in conjunction with our Risk department and with consultation with outside valuation experts. Our policies and procedures have been approved by our Chief Executive and our Board of Directors and include methodologies for valuation, internal reporting, calibration and back testing. Our periodic review of valuations includes an analysis of changes in fair value measurements and documentation of the reasons for such changes. There is little available third-party information such as broker quotes or pricing services available to assist us in our valuation process.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Our level 3, unobservable inputs reflect our own assumptions about the factors that market participants use in pricing similar receivables and are based on the best information available in the circumstances. They include such inputs as estimates for the magnitude and timing of net charge-offs and the rate of amortization of the portfolio of finance receivable. Significant changes in any of those inputs in isolation would have a significant effect on our fair value measurement.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">For the quarter ended September 30, 2026, the Company evaluated the appropriate fair value and future earnings rate of existing receivables compared to recently acquired receivables and did not record a mark up or down to the portfolio.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The table below presents a reconciliation of the finance receivables measured at fair value on a recurring basis using significant unobservable inputs:</p> <table cellpadding="0" cellspacing="0" id="xdx_891_eus-gaap--FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock_pn3n3_zPf0NxHYJyT5" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Finance receivables measured at fair value (Details - Reconciliation of finance receivables)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left"><span id="xdx_8B3_zZyzmMAdhvK3" style="display: none">Schedule of reconciliation of the finance receivables measured at fair value on a recurring basis</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Three Months Ended</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Nine Months Ended</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2026</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2025</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2026</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2025</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 40%">Balance at beginning of period</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98C_eus-gaap--ReceivablesFairValueDisclosure_iS_pn3n3_c20260701__20260930_zYYBytslHMa" style="width: 11%; text-align: right" title="Balance at beginning of period">4,212,167</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98D_eus-gaap--ReceivablesFairValueDisclosure_iS_pn3n3_c20250701__20250930_zKYJ9OYj9hSl" style="width: 11%; text-align: right" title="Balance at beginning of period">3,559,029</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98D_eus-gaap--ReceivablesFairValueDisclosure_iS_pn3n3_c20260101__20260930_zeDGsGgHksVa" style="width: 11%; text-align: right" title="Balance at beginning of period">3,655,855</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_983_eus-gaap--ReceivablesFairValueDisclosure_iS_pn3n3_c20250101__20250930_zOcyxWoVC3ea" style="width: 11%; text-align: right" title="Balance at beginning of period">3,313,767</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Finance receivables at fair value acquired during period</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--PaymentsToAcquireFinanceReceivables_pn3n3_c20260701__20260930_zkgmp5twhrNg" style="text-align: right" title="Finance receivables at fair value acquired during period">801,272</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--PaymentsToAcquireFinanceReceivables_pn3n3_c20250701__20250930_zghmdH62pZK8" style="text-align: right" title="Finance receivables at fair value acquired during period">392,822</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--PaymentsToAcquireFinanceReceivables_pn3n3_c20260101__20260930_zCrfIWh7GsSb" style="text-align: right" title="Finance receivables at fair value acquired during period">2,067,908</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--PaymentsToAcquireFinanceReceivables_pn3n3_c20250101__20250930_z9EeeWClXQV" style="text-align: right" title="Finance receivables at fair value acquired during period">1,275,701</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Payments received on finance receivables at fair value</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--ProceedsFromCollectionOfFinanceReceivables_iN_pn3n3_di_c20260701__20260930_zWEjhQg6pVZ3" style="text-align: right" title="Payments received on finance receivables at fair value">(307,572</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--ProceedsFromCollectionOfFinanceReceivables_iN_pn3n3_di_c20250701__20250930_zU71ocGayyLb" style="text-align: right" title="Payments received on finance receivables at fair value">(260,043</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--ProceedsFromCollectionOfFinanceReceivables_iN_pn3n3_di_c20260101__20260930_zwKkbhgZ071j" style="text-align: right" title="Payments received on finance receivables at fair value">(878,211</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--ProceedsFromCollectionOfFinanceReceivables_iN_pn3n3_di_c20250101__20250930_zh7smUz1rEib" style="text-align: right" title="Payments received on finance receivables at fair value">(777,612</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Net interest income accretion on fair value receivables</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_ecustom--NetInterestIncomeAccretionOnFairValueReceivables_iN_pn3n3_di_c20260701__20260930_z3v1xgjbq3qk" style="text-align: right" title="Net interest income accretion on fair value receivables">(81,282</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_ecustom--NetInterestIncomeAccretionOnFairValueReceivables_iN_pn3n3_di_c20250701__20250930_z4gpEdRmjzil" style="text-align: right" title="Net interest income accretion on fair value receivables">(66,867</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_ecustom--NetInterestIncomeAccretionOnFairValueReceivables_iN_pn3n3_di_c20260101__20260930_zO2NHIcGOiYk" style="text-align: right" title="Net interest income accretion on fair value receivables">(220,967</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_ecustom--NetInterestIncomeAccretionOnFairValueReceivables_iN_pn3n3_di_c20250101__20250930_zR9jaQbRDru4" style="text-align: right" title="Net interest income accretion on fair value receivables">(193,415</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 1pt">Mark to fair value</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--OtherOperatingIncome_pn3n3_d0_c20260701__20260930_zBjOziM6dFI1" style="border-bottom: Black 1pt solid; text-align: right" title="Mark to fair value">–</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--OtherOperatingIncome_pn3n3_d0_c20250701__20250930_z6oIy1XWAyKj" style="border-bottom: Black 1pt solid; text-align: right" title="Mark to fair value">–</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98B_eus-gaap--OtherOperatingIncome_pn3n3_d0_c20260101__20260930_zneLFFb9rP9e" style="border-bottom: Black 1pt solid; text-align: right" title="Mark to fair value">–</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98B_eus-gaap--OtherOperatingIncome_pn3n3_c20250101__20250930_zyrww2HmmNQ2" style="border-bottom: Black 1pt solid; text-align: right" title="Mark to fair value">6,500</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 2.5pt">Balance at end of period</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98A_eus-gaap--ReceivablesFairValueDisclosure_iE_pn3n3_c20260701__20260930_zuHlbk1spN0i" style="border-bottom: Black 2.5pt double; text-align: right" title="Balance at end of period">4,624,585</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_984_eus-gaap--ReceivablesFairValueDisclosure_iE_pn3n3_c20250701__20250930_zEAyfwUXKRUe" style="border-bottom: Black 2.5pt double; text-align: right" title="Balance at end of period">3,624,941</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98D_eus-gaap--ReceivablesFairValueDisclosure_iE_pn3n3_c20260101__20260930_zMpKosjccvde" style="border-bottom: Black 2.5pt double; text-align: right" title="Balance at end of period">4,624,585</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_983_eus-gaap--ReceivablesFairValueDisclosure_iE_pn3n3_c20250101__20250930_zDp6YBhAJFP9" style="border-bottom: Black 2.5pt double; text-align: right" title="Balance at end of period">3,624,941</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A4_zvDauPkFhJ7h" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; text-align: left"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; text-align: justify">The table below compares the fair values of these finance receivables to their contractual balances for the periods shown:</p> <table cellpadding="0" cellspacing="0" id="xdx_891_ecustom--ScheduleOfFinanceReceivablesToTheirContractualBalancesTableTextBlock_pn3n3_zag8Qf9A0gW3" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Finance receivables measured at fair value (Details - Finance receivables to their contractual balances)"> <tr style="vertical-align: bottom"> <td style="font-weight: bold"><b><span id="xdx_8B0_zzmxLKyzJVv9" style="display: none">Schedule of finance receivables to their contractual balances</span></b></td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30, 2026</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2025</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Contractual</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Fair</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Contractual</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Fair</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Balance</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Balance</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="14" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 40%; text-align: left">Finance receivables measured at fair value</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98D_ecustom--FinanceReceivablesContractualBalance_iI_pn3n3_c20260930_zJZoJDcVJNg4" style="width: 11%; text-align: right" title="Finance receivables contractual balance">4,711,049</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_988_eus-gaap--ReceivablesFairValueDisclosure_iI_pn3n3_c20260930_zwkCg7hp3VAk" style="width: 11%; text-align: right" title="Finance receivables measured at fair value">4,624,585</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_981_ecustom--FinanceReceivablesContractualBalance_iI_pn3n3_c20251231_zEdLFJGo9IBk" style="width: 11%; text-align: right" title="Finance receivables contractual balance">3,778,127</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_980_eus-gaap--ReceivablesFairValueDisclosure_iI_pn3n3_c20251231_zp0MBwykjnb5" style="width: 11%; text-align: right" title="Finance receivables measured at fair value">3,655,855</td><td style="width: 1%; text-align: left"> </td></tr> </table> <p id="xdx_8A8_zC3nzD5jH611" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">The following table provides certain qualitative information about our level 3 fair value measurements:</p> <table cellpadding="0" cellspacing="0" id="xdx_896_eus-gaap--ScheduleOfEffectOfSignificantUnobservableInputsChangesInPlanAssetsTableTextBlock_pn3n3_zdbpqenUvwrf" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Finance receivables measured at fair value (Details - Level 3 Fair value measurements)"> <tr style="vertical-align: bottom; background-color: White"> <td><span id="xdx_8B2_zvlP1QOvgstd" style="display: none">Schedule of level 3 fair value measurements</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-weight: bold">Financial Instrument</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Values as of</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="padding-bottom: 1pt"> </td> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Weight Avg. Inputs as of</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">September 30,</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">December 31,</td><td style="font-weight: bold"> </td><td> </td> <td style="text-align: center"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">September 30,</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">December 31,</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2026</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2025</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Unobservable</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2026</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2025</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td><td> </td> <td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold">Assets:</td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td> </td> <td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-indent: -10pt; padding-left: 10pt; width: 31%; text-align: left">Finance receivables measured at fair value</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_986_eus-gaap--ReceivablesFairValueDisclosure_iI_pn3n3_c20260930_zzcR9kUqNxEk" style="width: 10%; text-align: right" title="Finance receivables measured at fair value">4,624,585</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98E_eus-gaap--ReceivablesFairValueDisclosure_iI_pn3n3_c20251231_zLdKZkdRjbr8" style="width: 10%; text-align: right" title="Finance receivables measured at fair value">3,655,855</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 16%; text-align: center">Discount rate</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 10%; text-align: right"><span id="xdx_90E_ecustom--DiscountRateOnFinanceReceivables_c20260101__20260930_zEzrHWCZFtwe" title="Discount rate on finance receivables">11.01%</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 10%; text-align: right"><span id="xdx_908_ecustom--DiscountRateOnFinanceReceivables_c20250101__20251231_zFMPf2LYYWnh" title="Discount rate on finance receivables">11.07%</span></td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: center">Cumulative net losses</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90F_ecustom--CumulativeNetLossesOnFinanceReceivables_c20260101__20260930_zgpPHPLOnjwg" title="Cumulative net losses on finance receivables">16.49%</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90B_ecustom--CumulativeNetLossesOnFinanceReceivables_c20250101__20251231_zrxlMais9R7i" title="Cumulative net losses on finance receivables">16.02%</span></td><td style="text-align: left"> </td></tr> </table> <p id="xdx_8A3_zDhoOnqC2qX6" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; text-align: justify">We report delinquency on a contractual basis. The following table summarizes the delinquency status of these finance receivables measured at fair value as of September 30, 2026, and December 31, 2025:</p> <table cellpadding="0" cellspacing="0" id="xdx_89E_ecustom--ScheduleOfDelinquencyStatusOfFinanceReceivablesMeasuredAtFairValueTableTextBlock_pn3n3_zzOgiNgbw9Zk" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Finance receivables measured at fair value (Details - Delinquency status)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8B0_zkQ2QUVEBms2" style="display: none">Schedule of delinquency status of finance receivables measured at fair value</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">September 30,</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">December 31,</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2026</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2025</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Delinquency Status</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 66%">Current</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_980_eus-gaap--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20260930__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zKMzszPnz8W2" style="width: 13%; text-align: right" title="Finance receivables">4,131,880</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_987_eus-gaap--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20251231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zFy6JCuptsbl" style="width: 13%; text-align: right">3,220,198</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>31 - 60 days</td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20260930__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zY1LE38E0EZ1" style="text-align: right" title="Finance receivables">298,060</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20251231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zWlR4Q0Jlcb1" style="text-align: right">272,421</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>61 - 90 days</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20260930__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_znyXNPJt8he9" style="text-align: right">125,033</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20251231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zCsYlAEBKL77" style="text-align: right">118,201</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>91 + days</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20260930__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zx25j5dxHzHg" style="text-align: right">57,406</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20251231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zjkCF2oe6vtg" style="text-align: right">56,203</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt">Repo</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20260930__us-gaap--FinancingReceivablesPeriodPastDueAxis__custom--RepossessedVehiclesMember_zqlbQm3rVsAg" style="border-bottom: Black 1pt solid; text-align: right" title="Initial Principal">98,671</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20251231__us-gaap--FinancingReceivablesPeriodPastDueAxis__custom--RepossessedVehiclesMember_z4NGzR9rkah7" style="border-bottom: Black 1pt solid; text-align: right">111,104</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 2.5pt"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98E_eus-gaap--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20260930_zk7SOSTndTa3" style="border-bottom: Black 2.5pt double; text-align: right" title="Finance receivables">4,711,049</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98B_eus-gaap--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20251231_zJT8xSYG7N4e" style="border-bottom: Black 2.5pt double; text-align: right" title="Finance receivables">3,778,127</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8AF_zJSArV14DCj3" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <table cellpadding="0" cellspacing="0" id="xdx_891_eus-gaap--FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock_pn3n3_zPf0NxHYJyT5" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Finance receivables measured at fair value (Details - Reconciliation of finance receivables)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left"><span id="xdx_8B3_zZyzmMAdhvK3" style="display: none">Schedule of reconciliation of the finance receivables measured at fair value on a recurring basis</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Three Months Ended</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Nine Months Ended</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2026</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2025</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2026</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2025</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 40%">Balance at beginning of period</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98C_eus-gaap--ReceivablesFairValueDisclosure_iS_pn3n3_c20260701__20260930_zYYBytslHMa" style="width: 11%; text-align: right" title="Balance at beginning of period">4,212,167</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98D_eus-gaap--ReceivablesFairValueDisclosure_iS_pn3n3_c20250701__20250930_zKYJ9OYj9hSl" style="width: 11%; text-align: right" title="Balance at beginning of period">3,559,029</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98D_eus-gaap--ReceivablesFairValueDisclosure_iS_pn3n3_c20260101__20260930_zeDGsGgHksVa" style="width: 11%; text-align: right" title="Balance at beginning of period">3,655,855</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_983_eus-gaap--ReceivablesFairValueDisclosure_iS_pn3n3_c20250101__20250930_zOcyxWoVC3ea" style="width: 11%; text-align: right" title="Balance at beginning of period">3,313,767</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Finance receivables at fair value acquired during period</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--PaymentsToAcquireFinanceReceivables_pn3n3_c20260701__20260930_zkgmp5twhrNg" style="text-align: right" title="Finance receivables at fair value acquired during period">801,272</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--PaymentsToAcquireFinanceReceivables_pn3n3_c20250701__20250930_zghmdH62pZK8" style="text-align: right" title="Finance receivables at fair value acquired during period">392,822</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--PaymentsToAcquireFinanceReceivables_pn3n3_c20260101__20260930_zCrfIWh7GsSb" style="text-align: right" title="Finance receivables at fair value acquired during period">2,067,908</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--PaymentsToAcquireFinanceReceivables_pn3n3_c20250101__20250930_z9EeeWClXQV" style="text-align: right" title="Finance receivables at fair value acquired during period">1,275,701</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Payments received on finance receivables at fair value</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--ProceedsFromCollectionOfFinanceReceivables_iN_pn3n3_di_c20260701__20260930_zWEjhQg6pVZ3" style="text-align: right" title="Payments received on finance receivables at fair value">(307,572</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--ProceedsFromCollectionOfFinanceReceivables_iN_pn3n3_di_c20250701__20250930_zU71ocGayyLb" style="text-align: right" title="Payments received on finance receivables at fair value">(260,043</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--ProceedsFromCollectionOfFinanceReceivables_iN_pn3n3_di_c20260101__20260930_zwKkbhgZ071j" style="text-align: right" title="Payments received on finance receivables at fair value">(878,211</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--ProceedsFromCollectionOfFinanceReceivables_iN_pn3n3_di_c20250101__20250930_zh7smUz1rEib" style="text-align: right" title="Payments received on finance receivables at fair value">(777,612</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Net interest income accretion on fair value receivables</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_ecustom--NetInterestIncomeAccretionOnFairValueReceivables_iN_pn3n3_di_c20260701__20260930_z3v1xgjbq3qk" style="text-align: right" title="Net interest income accretion on fair value receivables">(81,282</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_ecustom--NetInterestIncomeAccretionOnFairValueReceivables_iN_pn3n3_di_c20250701__20250930_z4gpEdRmjzil" style="text-align: right" title="Net interest income accretion on fair value receivables">(66,867</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_ecustom--NetInterestIncomeAccretionOnFairValueReceivables_iN_pn3n3_di_c20260101__20260930_zO2NHIcGOiYk" style="text-align: right" title="Net interest income accretion on fair value receivables">(220,967</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_ecustom--NetInterestIncomeAccretionOnFairValueReceivables_iN_pn3n3_di_c20250101__20250930_zR9jaQbRDru4" style="text-align: right" title="Net interest income accretion on fair value receivables">(193,415</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 1pt">Mark to fair value</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--OtherOperatingIncome_pn3n3_d0_c20260701__20260930_zBjOziM6dFI1" style="border-bottom: Black 1pt solid; text-align: right" title="Mark to fair value">–</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--OtherOperatingIncome_pn3n3_d0_c20250701__20250930_z6oIy1XWAyKj" style="border-bottom: Black 1pt solid; text-align: right" title="Mark to fair value">–</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98B_eus-gaap--OtherOperatingIncome_pn3n3_d0_c20260101__20260930_zneLFFb9rP9e" style="border-bottom: Black 1pt solid; text-align: right" title="Mark to fair value">–</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98B_eus-gaap--OtherOperatingIncome_pn3n3_c20250101__20250930_zyrww2HmmNQ2" style="border-bottom: Black 1pt solid; text-align: right" title="Mark to fair value">6,500</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 2.5pt">Balance at end of period</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98A_eus-gaap--ReceivablesFairValueDisclosure_iE_pn3n3_c20260701__20260930_zuHlbk1spN0i" style="border-bottom: Black 2.5pt double; text-align: right" title="Balance at end of period">4,624,585</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_984_eus-gaap--ReceivablesFairValueDisclosure_iE_pn3n3_c20250701__20250930_zEAyfwUXKRUe" style="border-bottom: Black 2.5pt double; text-align: right" title="Balance at end of period">3,624,941</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98D_eus-gaap--ReceivablesFairValueDisclosure_iE_pn3n3_c20260101__20260930_zMpKosjccvde" style="border-bottom: Black 2.5pt double; text-align: right" title="Balance at end of period">4,624,585</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_983_eus-gaap--ReceivablesFairValueDisclosure_iE_pn3n3_c20250101__20250930_zDp6YBhAJFP9" style="border-bottom: Black 2.5pt double; text-align: right" title="Balance at end of period">3,624,941</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 4212167000 3559029000 3655855000 3313767000 801272000 392822000 2067908000 1275701000 307572000 260043000 878211000 777612000 81282000 66867000 220967000 193415000 0 0 0 6500000 4624585000 3624941000 4624585000 3624941000 <table cellpadding="0" cellspacing="0" id="xdx_891_ecustom--ScheduleOfFinanceReceivablesToTheirContractualBalancesTableTextBlock_pn3n3_zag8Qf9A0gW3" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Finance receivables measured at fair value (Details - Finance receivables to their contractual balances)"> <tr style="vertical-align: bottom"> <td style="font-weight: bold"><b><span id="xdx_8B0_zzmxLKyzJVv9" style="display: none">Schedule of finance receivables to their contractual balances</span></b></td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30, 2026</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2025</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Contractual</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Fair</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Contractual</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Fair</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Balance</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Balance</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="14" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 40%; text-align: left">Finance receivables measured at fair value</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98D_ecustom--FinanceReceivablesContractualBalance_iI_pn3n3_c20260930_zJZoJDcVJNg4" style="width: 11%; text-align: right" title="Finance receivables contractual balance">4,711,049</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_988_eus-gaap--ReceivablesFairValueDisclosure_iI_pn3n3_c20260930_zwkCg7hp3VAk" style="width: 11%; text-align: right" title="Finance receivables measured at fair value">4,624,585</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_981_ecustom--FinanceReceivablesContractualBalance_iI_pn3n3_c20251231_zEdLFJGo9IBk" style="width: 11%; text-align: right" title="Finance receivables contractual balance">3,778,127</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_980_eus-gaap--ReceivablesFairValueDisclosure_iI_pn3n3_c20251231_zp0MBwykjnb5" style="width: 11%; text-align: right" title="Finance receivables measured at fair value">3,655,855</td><td style="width: 1%; text-align: left"> </td></tr> </table> 4711049000 4624585000 3778127000 3655855000 <table cellpadding="0" cellspacing="0" id="xdx_896_eus-gaap--ScheduleOfEffectOfSignificantUnobservableInputsChangesInPlanAssetsTableTextBlock_pn3n3_zdbpqenUvwrf" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Finance receivables measured at fair value (Details - Level 3 Fair value measurements)"> <tr style="vertical-align: bottom; background-color: White"> <td><span id="xdx_8B2_zvlP1QOvgstd" style="display: none">Schedule of level 3 fair value measurements</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-weight: bold">Financial Instrument</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Values as of</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="padding-bottom: 1pt"> </td> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Weight Avg. Inputs as of</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">September 30,</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">December 31,</td><td style="font-weight: bold"> </td><td> </td> <td style="text-align: center"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">September 30,</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">December 31,</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2026</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2025</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Unobservable</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2026</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2025</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td><td> </td> <td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold">Assets:</td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td> </td> <td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-indent: -10pt; padding-left: 10pt; width: 31%; text-align: left">Finance receivables measured at fair value</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_986_eus-gaap--ReceivablesFairValueDisclosure_iI_pn3n3_c20260930_zzcR9kUqNxEk" style="width: 10%; text-align: right" title="Finance receivables measured at fair value">4,624,585</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98E_eus-gaap--ReceivablesFairValueDisclosure_iI_pn3n3_c20251231_zLdKZkdRjbr8" style="width: 10%; text-align: right" title="Finance receivables measured at fair value">3,655,855</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 16%; text-align: center">Discount rate</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 10%; text-align: right"><span id="xdx_90E_ecustom--DiscountRateOnFinanceReceivables_c20260101__20260930_zEzrHWCZFtwe" title="Discount rate on finance receivables">11.01%</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 10%; text-align: right"><span id="xdx_908_ecustom--DiscountRateOnFinanceReceivables_c20250101__20251231_zFMPf2LYYWnh" title="Discount rate on finance receivables">11.07%</span></td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: center">Cumulative net losses</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90F_ecustom--CumulativeNetLossesOnFinanceReceivables_c20260101__20260930_zgpPHPLOnjwg" title="Cumulative net losses on finance receivables">16.49%</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90B_ecustom--CumulativeNetLossesOnFinanceReceivables_c20250101__20251231_zrxlMais9R7i" title="Cumulative net losses on finance receivables">16.02%</span></td><td style="text-align: left"> </td></tr> </table> 4624585000 3655855000 11.01% 11.07% 16.49% 16.02% <table cellpadding="0" cellspacing="0" id="xdx_89E_ecustom--ScheduleOfDelinquencyStatusOfFinanceReceivablesMeasuredAtFairValueTableTextBlock_pn3n3_zzOgiNgbw9Zk" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Finance receivables measured at fair value (Details - Delinquency status)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8B0_zkQ2QUVEBms2" style="display: none">Schedule of delinquency status of finance receivables measured at fair value</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">September 30,</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">December 31,</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2026</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2025</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Delinquency Status</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 66%">Current</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_980_eus-gaap--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20260930__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zKMzszPnz8W2" style="width: 13%; text-align: right" title="Finance receivables">4,131,880</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_987_eus-gaap--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20251231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zFy6JCuptsbl" style="width: 13%; text-align: right">3,220,198</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>31 - 60 days</td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20260930__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zY1LE38E0EZ1" style="text-align: right" title="Finance receivables">298,060</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20251231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zWlR4Q0Jlcb1" style="text-align: right">272,421</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>61 - 90 days</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20260930__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_znyXNPJt8he9" style="text-align: right">125,033</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20251231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zCsYlAEBKL77" style="text-align: right">118,201</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>91 + days</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20260930__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zx25j5dxHzHg" style="text-align: right">57,406</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20251231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zjkCF2oe6vtg" style="text-align: right">56,203</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt">Repo</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20260930__us-gaap--FinancingReceivablesPeriodPastDueAxis__custom--RepossessedVehiclesMember_zqlbQm3rVsAg" style="border-bottom: Black 1pt solid; text-align: right" title="Initial Principal">98,671</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20251231__us-gaap--FinancingReceivablesPeriodPastDueAxis__custom--RepossessedVehiclesMember_z4NGzR9rkah7" style="border-bottom: Black 1pt solid; text-align: right">111,104</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 2.5pt"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98E_eus-gaap--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20260930_zk7SOSTndTa3" style="border-bottom: Black 2.5pt double; text-align: right" title="Finance receivables">4,711,049</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98B_eus-gaap--FinancialInstrumentsOwnedMortgagesMortgageBackedAndAssetBackedSecuritiesAtFairValue_iI_pn3n3_c20251231_zJT8xSYG7N4e" style="border-bottom: Black 2.5pt double; text-align: right" title="Finance receivables">3,778,127</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 4131880000 3220198000 298060000 272421000 125033000 118201000 57406000 56203000 98671000 111104000 4711049000 3778127000 <p id="xdx_807_eus-gaap--LongTermDebtTextBlock_zoRj7DTgNqu7" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b>(3) <i><span id="xdx_821_zYV5vrjv1hQg">Securitization Trust Debt</span> </i></b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">We have completed many securitization transactions that are structured as secured borrowings for financial accounting purposes. The debt issued in these transactions is shown on our Unaudited Condensed Consolidated Balance Sheets as “Securitization trust debt,” and the components of such debt are summarized in the following table:</p> <table cellpadding="0" cellspacing="0" id="xdx_89A_eus-gaap--ScheduleOfDebtInstrumentsTextBlock_pn3n3_zVupfxBQoQYh" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Securitization Trust Debt (Details)"> <tr style="vertical-align: bottom; background-color: White"> <td><span id="xdx_8BA_zQohwQRCO4y9" style="display: none">Schedule of securitization trust debt</span></td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Weighted</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Average</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center">Final</td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Receivables</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Outstanding</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Outstanding</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Contractual Debt</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center">Scheduled</td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Pledged at</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Principal at</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Principal at</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Interest Rate at</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center">Payment</td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">September 30,</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Initial</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">September 30,</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">December 31,</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">September 30,</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Series</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Date (1)</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2026</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Principal</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2026</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2025</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2026</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="17" style="font-weight: bold; text-align: center">(Dollars in thousands)</td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 16%">CPS 2021-B</td><td style="width: 1%"> </td> <td style="width: 13%; text-align: right"><span id="xdx_901_ecustom--FinalScheduledPaymentDate_c20260101__20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2021BMember_fKDEp_zp5TqXzgN9J1" title="Final Scheduled Payment Date">June 2028</span></td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_987_ecustom--ReceivablesPledged_iI_pn3n3_d0_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2021BMember_zoUPR8Tmffjc" style="width: 11%; text-align: right" title="Receivables Pledged">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_983_ecustom--SecuritizationTrustDebtInitialPrincipal_iI_pn3n3_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2021BMember_zTmysah6qHz6" style="width: 11%; text-align: right" title="Initial Principal">240,000</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98B_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_d0_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2021BMember_z6Yk4X47oYD6" style="width: 11%; text-align: right" title="Outstanding Principal">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_980_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20251231__us-gaap--FinancialInstrumentAxis__custom--CPS2021BMember_z2ZHCNFmQXYf" style="width: 11%; text-align: right" title="Outstanding Principal">15,832</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 11%; text-align: right"><span id="xdx_901_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp0_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2021BMember_znPzo2mPV3Te" title="Weighted Average Contractual Interest Rate">–</span></td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2021-C</td><td> </td> <td style="text-align: right"><span id="xdx_908_ecustom--FinalScheduledPaymentDate_c20260101__20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2021CMember_fKDEp_zlmmNRvGZyi7" title="Final Scheduled Payment Date">September 2028</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--ReceivablesPledged_iI_pn3n3_d0_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2021CMember_zX6uCKCUg8m" style="text-align: right" title="Receivables Pledged">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_ecustom--SecuritizationTrustDebtInitialPrincipal_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2021CMember_pn3n3" style="text-align: right" title="Initial Principal">291,000</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_d0_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2021CMember_zaVxbE84t2P4" style="text-align: right" title="Outstanding Principal">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20251231__us-gaap--FinancialInstrumentAxis__custom--CPS2021CMember_zvjMi61i15J9" style="text-align: right" title="Outstanding Principal">25,889</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_907_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp0_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2021CMember_zSIQyejUTOd8" title="Weighted Average Contractual Interest Rate">–</span></td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2021-D</td><td> </td> <td style="text-align: right"><span id="xdx_90D_ecustom--FinalScheduledPaymentDate_c20260101__20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2021DMember_fKDEp_zJVBzzIThJZd" title="Final Scheduled Payment Date">December  2028</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_ecustom--ReceivablesPledged_iI_pn3n3_d0_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2021DMember_zqTcTw0QkMf5" style="text-align: right" title="Receivables Pledged">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--SecuritizationTrustDebtInitialPrincipal_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2021DMember_pn3n3" style="text-align: right" title="Initial Principal">349,202</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_d0_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2021DMember_zXqifQh9PdTe" style="text-align: right" title="Outstanding Principal">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20251231__us-gaap--FinancialInstrumentAxis__custom--CPS2021DMember_zhxniXsA3GA8" style="text-align: right" title="Outstanding Principal">39,625</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90E_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp0_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2021DMember_zHAKKHL0o358" title="Weighted Average Contractual Interest Rate">–</span></td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2022-A</td><td> </td> <td style="text-align: right"><span id="xdx_90B_ecustom--FinalScheduledPaymentDate_c20260101__20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2022AMember_fKDEp_zMTlbldiZE26" title="Final Scheduled Payment Date">April 2029</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_ecustom--ReceivablesPledged_iI_pn3n3_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2022AMember_zNaAZAj8BcOe" style="text-align: right" title="Receivables Pledged">30,034</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_ecustom--SecuritizationTrustDebtInitialPrincipal_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2022AMember_pn3n3" style="text-align: right" title="Initial Principal">316,800</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2022AMember_pn3n3" style="text-align: right" title="Outstanding Principal">23,974</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20251231__us-gaap--FinancialInstrumentAxis__custom--CPS2022AMember_pn3n3" style="text-align: right" title="Outstanding Principal">42,241</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_908_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2022AMember_zfygCAJsK9Gk" title="Weighted Average Contractual Debt Interest Rate">4.88</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2022-B</td><td> </td> <td style="text-align: right"><span id="xdx_902_ecustom--FinalScheduledPaymentDate_c20260101__20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2022BMember_fKDEp_zbhHUSZPjqdj" title="Final Scheduled Payment Date">October 2029</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_ecustom--ReceivablesPledged_iI_pn3n3_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2022BMember_zTiXF8xvyjO2" style="text-align: right" title="Receivables Pledged">50,334</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_ecustom--SecuritizationTrustDebtInitialPrincipal_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2022BMember_pn3n3" style="text-align: right" title="Initial Principal">395,600</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2022BMember_pn3n3" style="text-align: right" title="Outstanding Principal">39,753</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20251231__us-gaap--FinancialInstrumentAxis__custom--CPS2022BMember_pn3n3" style="text-align: right" title="Outstanding Principal">72,820</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90C_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2022BMember_z1lDozbiL5ol" title="Weighted Average Contractual Interest Rate">7.14</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2022-C</td><td> </td> <td style="text-align: right"><span id="xdx_907_ecustom--FinalScheduledPaymentDate_c20260101__20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2022CMember_fKDEp_ztwxIDuaspg4" title="Final Scheduled Payment Date">April 2030</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_ecustom--ReceivablesPledged_iI_pn3n3_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2022CMember_zrYT4hAKPRhi" style="text-align: right" title="Receivables Pledged">64,912</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--SecuritizationTrustDebtInitialPrincipal_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2022CMember_pn3n3" style="text-align: right" title="Initial Principal">391,600</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2022CMember_pn3n3" style="text-align: right" title="Outstanding Principal">47,277</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20251231__us-gaap--FinancialInstrumentAxis__custom--CPS2022CMember_pn3n3" style="text-align: right" title="Outstanding Principal">77,073</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90A_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2022CMember_zpN4YPTmv6a7" title="Weighted Average Contractual Interest Rate">8.38</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2022-D</td><td> </td> <td style="text-align: right"><span id="xdx_902_ecustom--FinalScheduledPaymentDate_c20260101__20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2022DMember_fKDEp_zQqgqoUBcygl" title="Final Scheduled Payment Date">June 2030</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_ecustom--ReceivablesPledged_iI_pn3n3_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2022DMember_zMJn0r76Wyqi" style="text-align: right" title="Receivables Pledged">64,990</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_ecustom--SecuritizationTrustDebtInitialPrincipal_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2022DMember_pn3n3" style="text-align: right" title="Initial Principal">307,018</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2022DMember_pn3n3" style="text-align: right" title="Outstanding Principal">60,287</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20251231__us-gaap--FinancialInstrumentAxis__custom--CPS2022DMember_pn3n3" style="text-align: right" title="Outstanding Principal">86,973</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_906_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2022DMember_zgf9t4LuXFti" title="Weighted Average Contractual Interest Rate">10.73</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2023-A</td><td> </td> <td style="text-align: right"><span id="xdx_90E_ecustom--FinalScheduledPaymentDate_c20260101__20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2023AMember_fKDEp_zTfprQcGRQx5" title="Final Scheduled Payment Date">August 2030</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_ecustom--ReceivablesPledged_iI_pn3n3_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2023AMember_z1pTOYo4MvX8" style="text-align: right" title="Receivables Pledged">86,970</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_ecustom--SecuritizationTrustDebtInitialPrincipal_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2023AMember_pn3n3" style="text-align: right" title="Initial Principal">324,768</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2023AMember_pn3n3" style="text-align: right" title="Outstanding Principal">56,218</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20251231__us-gaap--FinancialInstrumentAxis__custom--CPS2023AMember_pn3n3" style="text-align: right" title="Outstanding Principal">83,896</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_906_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2023AMember_zqmlgsruHNye" title="Weighted Average Contractual Interest Rate">8.61</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2023-B</td><td> </td> <td style="text-align: right"><span id="xdx_902_ecustom--FinalScheduledPaymentDate_c20260101__20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2023BMember_fKDEp_z9FAdFBjwma8" title="Final Scheduled Payment Date">November 2030</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_ecustom--ReceivablesPledged_iI_pn3n3_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2023BMember_zVp39db0a0Pc" style="text-align: right" title="Receivables Pledged">98,205</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--SecuritizationTrustDebtInitialPrincipal_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2023BMember_pn3n3" style="text-align: right" title="Initial Principal">332,885</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2023BMember_pn3n3" style="text-align: right" title="Outstanding Principal">76,716</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20251231__us-gaap--FinancialInstrumentAxis__custom--CPS2023BMember_pn3n3" style="text-align: right" title="Outstanding Principal">107,035</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_900_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2023BMember_zu5s43YBY5P1" title="Weighted Average Contractual Interest Rate">8.40</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2023-C</td><td> </td> <td style="text-align: right"><span id="xdx_90B_ecustom--FinalScheduledPaymentDate_c20260101__20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2023CMember_fKDEp_zEfiysvEFZcf" title="Final Scheduled Payment Date">February 2031</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_ecustom--ReceivablesPledged_iI_pn3n3_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2023CMember_zEm9FKGcJ768" style="text-align: right" title="Receivables Pledged">96,651</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_ecustom--SecuritizationTrustDebtInitialPrincipal_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2023CMember_pn3n3" style="text-align: right" title="Initial Principal">291,732</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2023CMember_pn3n3" style="text-align: right" title="Outstanding Principal">78,865</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20251231__us-gaap--FinancialInstrumentAxis__custom--CPS2023CMember_pn3n3" style="text-align: right" title="Outstanding Principal">110,281</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_904_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2023CMember_zNanrVzuolZj" title="Weighted Average Contractual Debt Interest Rate">7.84</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2023-D</td><td> </td> <td style="text-align: right"><span id="xdx_90D_ecustom--FinalScheduledPaymentDate_c20260101__20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2023DMember_fKDEp_zP7iI6viAzEh" title="Final Scheduled Payment Date">May 2031</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_ecustom--ReceivablesPledged_iI_pn3n3_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2023DMember_zU6FrBQf33I1" style="text-align: right" title="Receivables Pledged">101,749</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--SecuritizationTrustDebtInitialPrincipal_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2023DMember_pn3n3" style="text-align: right" title="Initial Principal">286,149</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2023DMember_pn3n3" style="text-align: right" title="Outstanding Principal">83,808</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20251231__us-gaap--FinancialInstrumentAxis__custom--CPS2023DMember_pn3n3" style="text-align: right" title="Outstanding Principal">121,208</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_901_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2023DMember_zBSQ41Bx5n7e" title="Weighted Average Contractual Interest Rate">8.59</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2024-A</td><td> </td> <td style="text-align: right"><span id="xdx_904_ecustom--FinalScheduledPaymentDate_c20260101__20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2024AMember_fKDEp_zD9g1Vx7XGUe" title="Final Scheduled Payment Date">August 2031</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_ecustom--ReceivablesPledged_iI_pn3n3_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2024AMember_zeh9WhUQP81g" style="text-align: right" title="Receivables Pledged">105,678</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--SecuritizationTrustDebtInitialPrincipal_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2024AMember_pn3n3" style="text-align: right" title="Initial Principal">280,924</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2024AMember_pn3n3" style="text-align: right" title="Outstanding Principal">85,485</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20251231__us-gaap--FinancialInstrumentAxis__custom--CPS2024AMember_pn3n3" style="text-align: right" title="Outstanding Principal">128,466</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_908_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2024AMember_zdUGKc65hxAf" title="Weighted Average Contractual Interest Rate">6.92</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2024-B</td><td> </td> <td style="text-align: right"><span id="xdx_909_ecustom--FinalScheduledPaymentDate_c20260101__20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2024BMember_fKDEp_zrxjTd3Rl1Gi" title="Final Scheduled Payment Date">November 2031</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_ecustom--ReceivablesPledged_iI_pn3n3_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2024BMember_zaeoIglb2Z33" style="text-align: right" title="Receivables Pledged">137,302</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_ecustom--SecuritizationTrustDebtInitialPrincipal_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2024BMember_pn3n3" style="text-align: right" title="Initial Principal">319,871</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2024BMember_pn3n3" style="text-align: right" title="Outstanding Principal">116,303</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20251231__us-gaap--FinancialInstrumentAxis__custom--CPS2024BMember_pn3n3" style="text-align: right" title="Outstanding Principal">171,992</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90D_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2024BMember_z77lGMHLegJ6" title="Weighted Average Contractual Interest Rate">6.94</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2024-C</td><td> </td> <td style="text-align: right"><span id="xdx_90D_ecustom--FinalScheduledPaymentDate_c20260101__20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2024CMember_fKDEp_z9J1LAUtocJa" title="Final Scheduled Payment Date">March 2032</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_ecustom--ReceivablesPledged_iI_pn3n3_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2024CMember_zWxREPSQZlhe" style="text-align: right" title="Receivables Pledged">202,258</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--SecuritizationTrustDebtInitialPrincipal_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2024CMember_pn3n3" style="text-align: right" title="Initial Principal">436,310</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2024CMember_pn3n3" style="text-align: right" title="Outstanding Principal">172,976</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20251231__us-gaap--FinancialInstrumentAxis__custom--CPS2024CMember_pn3n3" style="text-align: right" title="Outstanding Principal">254,043</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_906_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2024CMember_zvtaZ0rgcij4" title="Weighted Average Contractual Debt Interest Rate">6.68</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2024-D</td><td> </td> <td style="text-align: right"><span id="xdx_903_ecustom--FinalScheduledPaymentDate_c20260101__20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2024DMember_fKDEp_zVojAots9gn4" title="Final Scheduled Payment Date">June 2032</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_ecustom--ReceivablesPledged_iI_pn3n3_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2024DMember_zh1HA2UQkbga" style="text-align: right" title="Receivables Pledged">216,136</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_ecustom--SecuritizationTrustDebtInitialPrincipal_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2024DMember_pn3n3" style="text-align: right" title="Initial Principal">416,816</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2024DMember_pn3n3" style="text-align: right" title="Outstanding Principal">184,772</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20251231__us-gaap--FinancialInstrumentAxis__custom--CPS2024DMember_pn3n3" style="text-align: right" title="Outstanding Principal">269,169</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90E_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2024DMember_zyd9xmYVRiR5" title="Weighted Average Contractual Debt Interest Rate">5.54</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2025-A</td><td> </td> <td style="text-align: right"><span id="xdx_90F_ecustom--FinalScheduledPaymentDate_c20260101__20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2025AMember_fKDEp_zW97SLgDSmkl" title="Final Scheduled Payment Date">August 2032</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--ReceivablesPledged_iI_pn3n3_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2025AMember_zAnzLeuq8gbl" style="text-align: right" title="Receivables Pledged">259,692</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_ecustom--SecuritizationTrustDebtInitialPrincipal_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2025AMember_pn3n3" style="text-align: right" title="Initial Principal">442,420</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2025AMember_pn3n3" style="text-align: right" title="Outstanding Principal">229,732</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20251231__us-gaap--FinancialInstrumentAxis__custom--CPS2025AMember_pn3n3" style="text-align: right" title="Outstanding Principal">324,242</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90E_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2025AMember_z4bAM5uYyct3" title="Weighted Average Contractual Debt Interest Rate">5.86</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2025-B</td><td> </td> <td style="text-align: right"><span id="xdx_908_ecustom--FinalScheduledPaymentDate_c20260101__20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2025BMember_fKDEp_zCOW8RuBowJf" title="Final Scheduled Payment Date">March 2033</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--ReceivablesPledged_iI_pn3n3_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2025BMember_zSWeTHgkirSa" style="text-align: right" title="Receivables Pledged">284,725</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--SecuritizationTrustDebtInitialPrincipal_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2025BMember_pn3n3" style="text-align: right" title="Initial Principal">419,950</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2025BMember_pn3n3" style="text-align: right" title="Outstanding Principal">255,729</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20251231__us-gaap--FinancialInstrumentAxis__custom--CPS2025BMember_pn3n3" style="text-align: right" title="Outstanding Principal">341,383</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90C_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2025BMember_znAFWCMYEcYl" title="Weighted Average Contractual Debt Interest Rate">5.73</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2025-C</td><td> </td> <td style="text-align: right"><span id="xdx_90F_ecustom--FinalScheduledPaymentDate_c20260101__20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2025CMember_fKDEp_z5lBoG0v6uXd" title="Final Scheduled Payment Date">May 2033</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--ReceivablesPledged_iI_pn3n3_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2025CMember_z9cfkIdYGqm7" style="text-align: right" title="Receivables Pledged">298,769</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_ecustom--SecuritizationTrustDebtInitialPrincipal_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2025CMember_pn3n3" style="text-align: right" title="Initial Principal">418,330</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2025CMember_pn3n3" style="text-align: right" title="Outstanding Principal">273,685</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20251231__us-gaap--FinancialInstrumentAxis__custom--CPS2025CMember_pn3n3" style="text-align: right" title="Outstanding Principal">364,711</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_904_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2025CMember_zA2eyX6prs1e" title="Weighted Average Contractual Debt Interest Rate">5.25</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2025-D</td><td> </td> <td style="text-align: right"><span id="xdx_909_ecustom--FinalScheduledPaymentDate_c20260101__20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2025DMember_fKDEp_zADCQinCwl9i" title="Final Scheduled Payment Date">May 2033</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--ReceivablesPledged_iI_pn3n3_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2025DMember_zmc43Sv6TtG7" style="text-align: right" title="Receivables Pledged">297,281</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_ecustom--SecuritizationTrustDebtInitialPrincipal_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2025DMember_pn3n3" style="text-align: right" title="Initial Principal">384,600</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2025DMember_pn3n3" style="text-align: right" title="Outstanding Principal">278,807</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20251231__us-gaap--FinancialInstrumentAxis__custom--CPS2025DMember_pn3n3" style="text-align: right" title="Outstanding Principal">366,313</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_903_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2025DMember_ziHQ2rFV24Wi" title="Weighted Average Contractual Debt Interest Rate">5.33</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2026-A</td><td> </td> <td style="text-align: right"><span id="xdx_908_ecustom--FinalScheduledPaymentDate_c20260101__20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2026AMember_fKDEp_zncon9Hyz7ph" title="Final Scheduled Payment Date">August 2033</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_ecustom--ReceivablesPledged_iI_pn3n3_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2026AMember_zXfkr9FV5k4e" style="text-align: right" title="Receivables Pledged">295,656</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--SecuritizationTrustDebtInitialPrincipal_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2026AMember_pn3n3" style="text-align: right" title="Initial Principal">345,610</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2026AMember_pn3n3" style="text-align: right" title="Outstanding Principal">278,005</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_d0_c20251231__us-gaap--FinancialInstrumentAxis__custom--CPS2026AMember_zn08e4ZhASa2" style="text-align: right" title="Outstanding Principal">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_900_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2026AMember_zhfAdaKJxACk" title="Weighted Average Contractual Debt Interest Rate">4.84</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2026-B</td><td> </td> <td style="text-align: right"><span id="xdx_900_ecustom--FinalScheduledPaymentDate_c20260101__20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2026BMember_fKDEp_zdEnoHgglSsj" title="Final Scheduled Payment Date">November 2033</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_ecustom--ReceivablesPledged_iI_pn3n3_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2026BMember_zITJzSVwSxD6" style="text-align: right" title="Receivables Pledged">474,583</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_ecustom--SecuritizationTrustDebtInitialPrincipal_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2026BMember_pn3n3" style="text-align: right" title="Initial Principal">514,070</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2026BMember_pn3n3" style="text-align: right" title="Outstanding Principal">449,168</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_d0_c20251231__us-gaap--FinancialInstrumentAxis__custom--CPS2026BMember_zihpSsWFQqU1" style="text-align: right" title="Outstanding Principal">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90F_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2026BMember_zMjeBiCfcDlk" title="Weighted Average Contractual Debt Interest Rate">5.04</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt">CPS 2026-C</td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: right"><span id="xdx_90B_ecustom--FinalScheduledPaymentDate_c20260101__20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2026CMember_fKDEp_zjaALDyxRbxh" title="Final Scheduled Payment Date">February 2034</span></td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_ecustom--ReceivablesPledged_iI_pn3n3_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2026CMember_zkNYclKnggQc" style="border-bottom: Black 1pt solid; text-align: right" title="Receivables Pledged">707,413</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_ecustom--SecuritizationTrustDebtInitialPrincipal_iI_pn3n3_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2026CMember_zorlzd4qMK0c" style="border-bottom: Black 1pt solid; text-align: right" title="Initial Principal">716,880</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2026CMember_zcr0BfT9gDI3" style="border-bottom: Black 1pt solid; text-align: right" title="Outstanding Principal">684,681</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_d0_c20251231__us-gaap--FinancialInstrumentAxis__custom--CPS2026CMember_zyS0STOhFzk3" style="border-bottom: Black 1pt solid; text-align: right" title="Outstanding Principal">–</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt; text-align: right"><span id="xdx_90A_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2026CMember_z6l7xhEFh65l" title="Weighted Average Contractual Debt Interest Rate">5.28</span>%</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 2.5pt"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="text-align: right; padding-bottom: 2.5pt"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_988_ecustom--ReceivablesPledged_iI_pn3n3_c20260930_z2PPqpoMPWPl" style="border-bottom: Black 2.5pt double; text-align: right" title="Receivables Pledged">3,873,338</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98F_ecustom--SecuritizationTrustDebtInitialPrincipal_c20260930_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Initial Principal">8,222,535</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98C_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20260930_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Outstanding Principal">3,476,241</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_985_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20251231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Outstanding Principal">3,003,192</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt; text-align: right"> </td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">_________________</p> <p style="margin: 0pt 0; font-size: 10pt"></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in"><i id="xdx_F0F_z94FX1VDaUUd">(1)</i></td><td style="text-align: justify"><i id="xdx_F1A_zojrkFAjgeP6">The Final Scheduled Payment Date represents final legal maturity of the securitization trust debt. Securitization trust debt is expected to become due and to be paid prior to those dates, based on amortization of the finance receivables pledged to the trusts. Expected payments, which will depend on the performance of such receivables, as to which there can be no assurance, are $346.7 million in 2026, $1,234.1 million in 2027, $845.7 million in 2028, $516.3 million in 2029, $299.2 million in 2030, $146.0 million in 2031, and $70.5 million in 2032.</i></td></tr></table> <p id="xdx_8A3_zepZ8NL3Njjg" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Debt issuance costs of $<span id="xdx_905_eus-gaap--DeferredFinanceCostsGross_iI_pn5n6_c20260930_zO212fbIKrb3" title="Debt issuance costs">17.7</span> million and $<span id="xdx_903_eus-gaap--DeferredFinanceCostsGross_iI_pn5n6_c20251231_zAkFpXjGcrPi" title="Debt issuance costs">16.6</span> million as of September 30, 2026, and December 31, 2025, respectively, have been excluded from the table above. These debt issuance costs are presented as a direct deduction to the carrying amount of the Securitization trust debt on our Consolidated Balance Sheets.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">All the securitization trust debt was sold in private placement transactions to qualified institutional buyers. The debt was issued through our wholly owned bankruptcy remote subsidiaries and is secured by the assets of such subsidiaries, but not by our other assets.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The terms of the various securitization agreements related to the issuance of the securitization trust debt require that certain delinquency and credit loss criteria be met with respect to the collateral pool and require that we maintain minimum levels of liquidity and net worth and not exceed maximum leverage levels. We are in compliance with all such covenants as of September 30, 2026.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">We are responsible for the administration and collection of the contracts. The securitization agreements also require certain funds be held in restricted cash accounts to provide additional credit enhancement for the Notes or to be applied to make payments on the securitization trust debt. As of September 30, 2026, restricted cash under the various agreements totaled approximately $<span id="xdx_902_eus-gaap--RestrictedCash_iI_pn6n6_c20260930_zsBFfYMBpe15" title="Restricted cash">175</span>.0 million. Interest expense on the securitization trust debt is composed of the stated rate of interest plus amortization of additional costs of borrowing. Additional costs of borrowing include facility fees, insurance premiums, amortization of deferred financing costs, and amortization of discounts required on the notes at the time of issuance. Deferred financing costs related to the securitization trust debt are amortized using the interest method. Accordingly, the effective cost of borrowing of the securitization trust debt is greater than the stated rate of interest.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Our wholly owned, bankruptcy remote subsidiaries were formed to facilitate the above asset-backed financing transactions. Similar bankruptcy remote subsidiaries issue the debt outstanding under our warehouse line of credit. Bankruptcy remote refers to a legal structure in which it is expected that the applicable entity would not be included in any bankruptcy filing by its parent or affiliates. All of the assets of these subsidiaries have been pledged as collateral for the related debt. All such transactions, treated as secured financing for accounting and tax purposes, are treated as sales for all other purposes, including legal and bankruptcy purposes. None of the assets of these subsidiaries are available to pay any of our other creditors.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" id="xdx_89A_eus-gaap--ScheduleOfDebtInstrumentsTextBlock_pn3n3_zVupfxBQoQYh" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Securitization Trust Debt (Details)"> <tr style="vertical-align: bottom; background-color: White"> <td><span id="xdx_8BA_zQohwQRCO4y9" style="display: none">Schedule of securitization trust debt</span></td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Weighted</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Average</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center">Final</td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Receivables</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Outstanding</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Outstanding</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Contractual Debt</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center">Scheduled</td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Pledged at</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Principal at</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Principal at</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Interest Rate at</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center">Payment</td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">September 30,</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Initial</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">September 30,</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">December 31,</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">September 30,</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Series</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Date (1)</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2026</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Principal</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2026</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2025</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2026</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="17" style="font-weight: bold; text-align: center">(Dollars in thousands)</td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 16%">CPS 2021-B</td><td style="width: 1%"> </td> <td style="width: 13%; text-align: right"><span id="xdx_901_ecustom--FinalScheduledPaymentDate_c20260101__20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2021BMember_fKDEp_zp5TqXzgN9J1" title="Final Scheduled Payment Date">June 2028</span></td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_987_ecustom--ReceivablesPledged_iI_pn3n3_d0_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2021BMember_zoUPR8Tmffjc" style="width: 11%; text-align: right" title="Receivables Pledged">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_983_ecustom--SecuritizationTrustDebtInitialPrincipal_iI_pn3n3_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2021BMember_zTmysah6qHz6" style="width: 11%; text-align: right" title="Initial Principal">240,000</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98B_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_d0_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2021BMember_z6Yk4X47oYD6" style="width: 11%; text-align: right" title="Outstanding Principal">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_980_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20251231__us-gaap--FinancialInstrumentAxis__custom--CPS2021BMember_z2ZHCNFmQXYf" style="width: 11%; text-align: right" title="Outstanding Principal">15,832</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 11%; text-align: right"><span id="xdx_901_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp0_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2021BMember_znPzo2mPV3Te" title="Weighted Average Contractual Interest Rate">–</span></td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2021-C</td><td> </td> <td style="text-align: right"><span id="xdx_908_ecustom--FinalScheduledPaymentDate_c20260101__20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2021CMember_fKDEp_zlmmNRvGZyi7" title="Final Scheduled Payment Date">September 2028</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--ReceivablesPledged_iI_pn3n3_d0_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2021CMember_zX6uCKCUg8m" style="text-align: right" title="Receivables Pledged">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_ecustom--SecuritizationTrustDebtInitialPrincipal_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2021CMember_pn3n3" style="text-align: right" title="Initial Principal">291,000</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_d0_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2021CMember_zaVxbE84t2P4" style="text-align: right" title="Outstanding Principal">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20251231__us-gaap--FinancialInstrumentAxis__custom--CPS2021CMember_zvjMi61i15J9" style="text-align: right" title="Outstanding Principal">25,889</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_907_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp0_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2021CMember_zSIQyejUTOd8" title="Weighted Average Contractual Interest Rate">–</span></td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2021-D</td><td> </td> <td style="text-align: right"><span id="xdx_90D_ecustom--FinalScheduledPaymentDate_c20260101__20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2021DMember_fKDEp_zJVBzzIThJZd" title="Final Scheduled Payment Date">December  2028</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_ecustom--ReceivablesPledged_iI_pn3n3_d0_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2021DMember_zqTcTw0QkMf5" style="text-align: right" title="Receivables Pledged">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--SecuritizationTrustDebtInitialPrincipal_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2021DMember_pn3n3" style="text-align: right" title="Initial Principal">349,202</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_d0_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2021DMember_zXqifQh9PdTe" style="text-align: right" title="Outstanding Principal">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20251231__us-gaap--FinancialInstrumentAxis__custom--CPS2021DMember_zhxniXsA3GA8" style="text-align: right" title="Outstanding Principal">39,625</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90E_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp0_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2021DMember_zHAKKHL0o358" title="Weighted Average Contractual Interest Rate">–</span></td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2022-A</td><td> </td> <td style="text-align: right"><span id="xdx_90B_ecustom--FinalScheduledPaymentDate_c20260101__20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2022AMember_fKDEp_zMTlbldiZE26" title="Final Scheduled Payment Date">April 2029</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_ecustom--ReceivablesPledged_iI_pn3n3_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2022AMember_zNaAZAj8BcOe" style="text-align: right" title="Receivables Pledged">30,034</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_ecustom--SecuritizationTrustDebtInitialPrincipal_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2022AMember_pn3n3" style="text-align: right" title="Initial Principal">316,800</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2022AMember_pn3n3" style="text-align: right" title="Outstanding Principal">23,974</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20251231__us-gaap--FinancialInstrumentAxis__custom--CPS2022AMember_pn3n3" style="text-align: right" title="Outstanding Principal">42,241</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_908_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2022AMember_zfygCAJsK9Gk" title="Weighted Average Contractual Debt Interest Rate">4.88</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2022-B</td><td> </td> <td style="text-align: right"><span id="xdx_902_ecustom--FinalScheduledPaymentDate_c20260101__20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2022BMember_fKDEp_zbhHUSZPjqdj" title="Final Scheduled Payment Date">October 2029</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_ecustom--ReceivablesPledged_iI_pn3n3_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2022BMember_zTiXF8xvyjO2" style="text-align: right" title="Receivables Pledged">50,334</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_ecustom--SecuritizationTrustDebtInitialPrincipal_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2022BMember_pn3n3" style="text-align: right" title="Initial Principal">395,600</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2022BMember_pn3n3" style="text-align: right" title="Outstanding Principal">39,753</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20251231__us-gaap--FinancialInstrumentAxis__custom--CPS2022BMember_pn3n3" style="text-align: right" title="Outstanding Principal">72,820</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90C_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2022BMember_z1lDozbiL5ol" title="Weighted Average Contractual Interest Rate">7.14</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2022-C</td><td> </td> <td style="text-align: right"><span id="xdx_907_ecustom--FinalScheduledPaymentDate_c20260101__20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2022CMember_fKDEp_ztwxIDuaspg4" title="Final Scheduled Payment Date">April 2030</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_ecustom--ReceivablesPledged_iI_pn3n3_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2022CMember_zrYT4hAKPRhi" style="text-align: right" title="Receivables Pledged">64,912</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--SecuritizationTrustDebtInitialPrincipal_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2022CMember_pn3n3" style="text-align: right" title="Initial Principal">391,600</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2022CMember_pn3n3" style="text-align: right" title="Outstanding Principal">47,277</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20251231__us-gaap--FinancialInstrumentAxis__custom--CPS2022CMember_pn3n3" style="text-align: right" title="Outstanding Principal">77,073</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90A_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2022CMember_zpN4YPTmv6a7" title="Weighted Average Contractual Interest Rate">8.38</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2022-D</td><td> </td> <td style="text-align: right"><span id="xdx_902_ecustom--FinalScheduledPaymentDate_c20260101__20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2022DMember_fKDEp_zQqgqoUBcygl" title="Final Scheduled Payment Date">June 2030</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_ecustom--ReceivablesPledged_iI_pn3n3_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2022DMember_zMJn0r76Wyqi" style="text-align: right" title="Receivables Pledged">64,990</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_ecustom--SecuritizationTrustDebtInitialPrincipal_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2022DMember_pn3n3" style="text-align: right" title="Initial Principal">307,018</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2022DMember_pn3n3" style="text-align: right" title="Outstanding Principal">60,287</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20251231__us-gaap--FinancialInstrumentAxis__custom--CPS2022DMember_pn3n3" style="text-align: right" title="Outstanding Principal">86,973</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_906_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2022DMember_zgf9t4LuXFti" title="Weighted Average Contractual Interest Rate">10.73</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2023-A</td><td> </td> <td style="text-align: right"><span id="xdx_90E_ecustom--FinalScheduledPaymentDate_c20260101__20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2023AMember_fKDEp_zTfprQcGRQx5" title="Final Scheduled Payment Date">August 2030</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_ecustom--ReceivablesPledged_iI_pn3n3_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2023AMember_z1pTOYo4MvX8" style="text-align: right" title="Receivables Pledged">86,970</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_ecustom--SecuritizationTrustDebtInitialPrincipal_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2023AMember_pn3n3" style="text-align: right" title="Initial Principal">324,768</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2023AMember_pn3n3" style="text-align: right" title="Outstanding Principal">56,218</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20251231__us-gaap--FinancialInstrumentAxis__custom--CPS2023AMember_pn3n3" style="text-align: right" title="Outstanding Principal">83,896</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_906_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2023AMember_zqmlgsruHNye" title="Weighted Average Contractual Interest Rate">8.61</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2023-B</td><td> </td> <td style="text-align: right"><span id="xdx_902_ecustom--FinalScheduledPaymentDate_c20260101__20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2023BMember_fKDEp_z9FAdFBjwma8" title="Final Scheduled Payment Date">November 2030</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_ecustom--ReceivablesPledged_iI_pn3n3_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2023BMember_zVp39db0a0Pc" style="text-align: right" title="Receivables Pledged">98,205</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--SecuritizationTrustDebtInitialPrincipal_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2023BMember_pn3n3" style="text-align: right" title="Initial Principal">332,885</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2023BMember_pn3n3" style="text-align: right" title="Outstanding Principal">76,716</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20251231__us-gaap--FinancialInstrumentAxis__custom--CPS2023BMember_pn3n3" style="text-align: right" title="Outstanding Principal">107,035</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_900_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2023BMember_zu5s43YBY5P1" title="Weighted Average Contractual Interest Rate">8.40</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2023-C</td><td> </td> <td style="text-align: right"><span id="xdx_90B_ecustom--FinalScheduledPaymentDate_c20260101__20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2023CMember_fKDEp_zEfiysvEFZcf" title="Final Scheduled Payment Date">February 2031</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_ecustom--ReceivablesPledged_iI_pn3n3_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2023CMember_zEm9FKGcJ768" style="text-align: right" title="Receivables Pledged">96,651</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_ecustom--SecuritizationTrustDebtInitialPrincipal_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2023CMember_pn3n3" style="text-align: right" title="Initial Principal">291,732</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2023CMember_pn3n3" style="text-align: right" title="Outstanding Principal">78,865</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20251231__us-gaap--FinancialInstrumentAxis__custom--CPS2023CMember_pn3n3" style="text-align: right" title="Outstanding Principal">110,281</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_904_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2023CMember_zNanrVzuolZj" title="Weighted Average Contractual Debt Interest Rate">7.84</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2023-D</td><td> </td> <td style="text-align: right"><span id="xdx_90D_ecustom--FinalScheduledPaymentDate_c20260101__20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2023DMember_fKDEp_zP7iI6viAzEh" title="Final Scheduled Payment Date">May 2031</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_ecustom--ReceivablesPledged_iI_pn3n3_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2023DMember_zU6FrBQf33I1" style="text-align: right" title="Receivables Pledged">101,749</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--SecuritizationTrustDebtInitialPrincipal_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2023DMember_pn3n3" style="text-align: right" title="Initial Principal">286,149</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2023DMember_pn3n3" style="text-align: right" title="Outstanding Principal">83,808</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20251231__us-gaap--FinancialInstrumentAxis__custom--CPS2023DMember_pn3n3" style="text-align: right" title="Outstanding Principal">121,208</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_901_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2023DMember_zBSQ41Bx5n7e" title="Weighted Average Contractual Interest Rate">8.59</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2024-A</td><td> </td> <td style="text-align: right"><span id="xdx_904_ecustom--FinalScheduledPaymentDate_c20260101__20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2024AMember_fKDEp_zD9g1Vx7XGUe" title="Final Scheduled Payment Date">August 2031</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_ecustom--ReceivablesPledged_iI_pn3n3_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2024AMember_zeh9WhUQP81g" style="text-align: right" title="Receivables Pledged">105,678</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--SecuritizationTrustDebtInitialPrincipal_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2024AMember_pn3n3" style="text-align: right" title="Initial Principal">280,924</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2024AMember_pn3n3" style="text-align: right" title="Outstanding Principal">85,485</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20251231__us-gaap--FinancialInstrumentAxis__custom--CPS2024AMember_pn3n3" style="text-align: right" title="Outstanding Principal">128,466</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_908_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2024AMember_zdUGKc65hxAf" title="Weighted Average Contractual Interest Rate">6.92</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2024-B</td><td> </td> <td style="text-align: right"><span id="xdx_909_ecustom--FinalScheduledPaymentDate_c20260101__20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2024BMember_fKDEp_zrxjTd3Rl1Gi" title="Final Scheduled Payment Date">November 2031</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_ecustom--ReceivablesPledged_iI_pn3n3_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2024BMember_zaeoIglb2Z33" style="text-align: right" title="Receivables Pledged">137,302</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_ecustom--SecuritizationTrustDebtInitialPrincipal_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2024BMember_pn3n3" style="text-align: right" title="Initial Principal">319,871</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2024BMember_pn3n3" style="text-align: right" title="Outstanding Principal">116,303</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20251231__us-gaap--FinancialInstrumentAxis__custom--CPS2024BMember_pn3n3" style="text-align: right" title="Outstanding Principal">171,992</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90D_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2024BMember_z77lGMHLegJ6" title="Weighted Average Contractual Interest Rate">6.94</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2024-C</td><td> </td> <td style="text-align: right"><span id="xdx_90D_ecustom--FinalScheduledPaymentDate_c20260101__20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2024CMember_fKDEp_z9J1LAUtocJa" title="Final Scheduled Payment Date">March 2032</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_ecustom--ReceivablesPledged_iI_pn3n3_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2024CMember_zWxREPSQZlhe" style="text-align: right" title="Receivables Pledged">202,258</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--SecuritizationTrustDebtInitialPrincipal_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2024CMember_pn3n3" style="text-align: right" title="Initial Principal">436,310</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2024CMember_pn3n3" style="text-align: right" title="Outstanding Principal">172,976</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20251231__us-gaap--FinancialInstrumentAxis__custom--CPS2024CMember_pn3n3" style="text-align: right" title="Outstanding Principal">254,043</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_906_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2024CMember_zvtaZ0rgcij4" title="Weighted Average Contractual Debt Interest Rate">6.68</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2024-D</td><td> </td> <td style="text-align: right"><span id="xdx_903_ecustom--FinalScheduledPaymentDate_c20260101__20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2024DMember_fKDEp_zVojAots9gn4" title="Final Scheduled Payment Date">June 2032</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_ecustom--ReceivablesPledged_iI_pn3n3_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2024DMember_zh1HA2UQkbga" style="text-align: right" title="Receivables Pledged">216,136</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_ecustom--SecuritizationTrustDebtInitialPrincipal_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2024DMember_pn3n3" style="text-align: right" title="Initial Principal">416,816</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2024DMember_pn3n3" style="text-align: right" title="Outstanding Principal">184,772</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20251231__us-gaap--FinancialInstrumentAxis__custom--CPS2024DMember_pn3n3" style="text-align: right" title="Outstanding Principal">269,169</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90E_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2024DMember_zyd9xmYVRiR5" title="Weighted Average Contractual Debt Interest Rate">5.54</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2025-A</td><td> </td> <td style="text-align: right"><span id="xdx_90F_ecustom--FinalScheduledPaymentDate_c20260101__20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2025AMember_fKDEp_zW97SLgDSmkl" title="Final Scheduled Payment Date">August 2032</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--ReceivablesPledged_iI_pn3n3_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2025AMember_zAnzLeuq8gbl" style="text-align: right" title="Receivables Pledged">259,692</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_ecustom--SecuritizationTrustDebtInitialPrincipal_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2025AMember_pn3n3" style="text-align: right" title="Initial Principal">442,420</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2025AMember_pn3n3" style="text-align: right" title="Outstanding Principal">229,732</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20251231__us-gaap--FinancialInstrumentAxis__custom--CPS2025AMember_pn3n3" style="text-align: right" title="Outstanding Principal">324,242</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90E_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2025AMember_z4bAM5uYyct3" title="Weighted Average Contractual Debt Interest Rate">5.86</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2025-B</td><td> </td> <td style="text-align: right"><span id="xdx_908_ecustom--FinalScheduledPaymentDate_c20260101__20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2025BMember_fKDEp_zCOW8RuBowJf" title="Final Scheduled Payment Date">March 2033</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--ReceivablesPledged_iI_pn3n3_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2025BMember_zSWeTHgkirSa" style="text-align: right" title="Receivables Pledged">284,725</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--SecuritizationTrustDebtInitialPrincipal_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2025BMember_pn3n3" style="text-align: right" title="Initial Principal">419,950</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2025BMember_pn3n3" style="text-align: right" title="Outstanding Principal">255,729</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20251231__us-gaap--FinancialInstrumentAxis__custom--CPS2025BMember_pn3n3" style="text-align: right" title="Outstanding Principal">341,383</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90C_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2025BMember_znAFWCMYEcYl" title="Weighted Average Contractual Debt Interest Rate">5.73</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2025-C</td><td> </td> <td style="text-align: right"><span id="xdx_90F_ecustom--FinalScheduledPaymentDate_c20260101__20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2025CMember_fKDEp_z5lBoG0v6uXd" title="Final Scheduled Payment Date">May 2033</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--ReceivablesPledged_iI_pn3n3_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2025CMember_z9cfkIdYGqm7" style="text-align: right" title="Receivables Pledged">298,769</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_ecustom--SecuritizationTrustDebtInitialPrincipal_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2025CMember_pn3n3" style="text-align: right" title="Initial Principal">418,330</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2025CMember_pn3n3" style="text-align: right" title="Outstanding Principal">273,685</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20251231__us-gaap--FinancialInstrumentAxis__custom--CPS2025CMember_pn3n3" style="text-align: right" title="Outstanding Principal">364,711</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_904_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2025CMember_zA2eyX6prs1e" title="Weighted Average Contractual Debt Interest Rate">5.25</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2025-D</td><td> </td> <td style="text-align: right"><span id="xdx_909_ecustom--FinalScheduledPaymentDate_c20260101__20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2025DMember_fKDEp_zADCQinCwl9i" title="Final Scheduled Payment Date">May 2033</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--ReceivablesPledged_iI_pn3n3_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2025DMember_zmc43Sv6TtG7" style="text-align: right" title="Receivables Pledged">297,281</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_ecustom--SecuritizationTrustDebtInitialPrincipal_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2025DMember_pn3n3" style="text-align: right" title="Initial Principal">384,600</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2025DMember_pn3n3" style="text-align: right" title="Outstanding Principal">278,807</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20251231__us-gaap--FinancialInstrumentAxis__custom--CPS2025DMember_pn3n3" style="text-align: right" title="Outstanding Principal">366,313</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_903_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2025DMember_ziHQ2rFV24Wi" title="Weighted Average Contractual Debt Interest Rate">5.33</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2026-A</td><td> </td> <td style="text-align: right"><span id="xdx_908_ecustom--FinalScheduledPaymentDate_c20260101__20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2026AMember_fKDEp_zncon9Hyz7ph" title="Final Scheduled Payment Date">August 2033</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_ecustom--ReceivablesPledged_iI_pn3n3_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2026AMember_zXfkr9FV5k4e" style="text-align: right" title="Receivables Pledged">295,656</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--SecuritizationTrustDebtInitialPrincipal_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2026AMember_pn3n3" style="text-align: right" title="Initial Principal">345,610</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2026AMember_pn3n3" style="text-align: right" title="Outstanding Principal">278,005</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_d0_c20251231__us-gaap--FinancialInstrumentAxis__custom--CPS2026AMember_zn08e4ZhASa2" style="text-align: right" title="Outstanding Principal">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_900_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2026AMember_zhfAdaKJxACk" title="Weighted Average Contractual Debt Interest Rate">4.84</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2026-B</td><td> </td> <td style="text-align: right"><span id="xdx_900_ecustom--FinalScheduledPaymentDate_c20260101__20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2026BMember_fKDEp_zdEnoHgglSsj" title="Final Scheduled Payment Date">November 2033</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_ecustom--ReceivablesPledged_iI_pn3n3_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2026BMember_zITJzSVwSxD6" style="text-align: right" title="Receivables Pledged">474,583</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_ecustom--SecuritizationTrustDebtInitialPrincipal_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2026BMember_pn3n3" style="text-align: right" title="Initial Principal">514,070</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2026BMember_pn3n3" style="text-align: right" title="Outstanding Principal">449,168</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_d0_c20251231__us-gaap--FinancialInstrumentAxis__custom--CPS2026BMember_zihpSsWFQqU1" style="text-align: right" title="Outstanding Principal">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90F_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2026BMember_zMjeBiCfcDlk" title="Weighted Average Contractual Debt Interest Rate">5.04</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt">CPS 2026-C</td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: right"><span id="xdx_90B_ecustom--FinalScheduledPaymentDate_c20260101__20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2026CMember_fKDEp_zjaALDyxRbxh" title="Final Scheduled Payment Date">February 2034</span></td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_ecustom--ReceivablesPledged_iI_pn3n3_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2026CMember_zkNYclKnggQc" style="border-bottom: Black 1pt solid; text-align: right" title="Receivables Pledged">707,413</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_ecustom--SecuritizationTrustDebtInitialPrincipal_iI_pn3n3_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2026CMember_zorlzd4qMK0c" style="border-bottom: Black 1pt solid; text-align: right" title="Initial Principal">716,880</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2026CMember_zcr0BfT9gDI3" style="border-bottom: Black 1pt solid; text-align: right" title="Outstanding Principal">684,681</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_d0_c20251231__us-gaap--FinancialInstrumentAxis__custom--CPS2026CMember_zyS0STOhFzk3" style="border-bottom: Black 1pt solid; text-align: right" title="Outstanding Principal">–</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt; text-align: right"><span id="xdx_90A_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20260930__us-gaap--FinancialInstrumentAxis__custom--CPS2026CMember_z6l7xhEFh65l" title="Weighted Average Contractual Debt Interest Rate">5.28</span>%</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 2.5pt"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="text-align: right; padding-bottom: 2.5pt"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_988_ecustom--ReceivablesPledged_iI_pn3n3_c20260930_z2PPqpoMPWPl" style="border-bottom: Black 2.5pt double; text-align: right" title="Receivables Pledged">3,873,338</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98F_ecustom--SecuritizationTrustDebtInitialPrincipal_c20260930_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Initial Principal">8,222,535</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98C_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20260930_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Outstanding Principal">3,476,241</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_985_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20251231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Outstanding Principal">3,003,192</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt; text-align: right"> </td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">_________________</p> <p style="margin: 0pt 0; font-size: 10pt"></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in"><i id="xdx_F0F_z94FX1VDaUUd">(1)</i></td><td style="text-align: justify"><i id="xdx_F1A_zojrkFAjgeP6">The Final Scheduled Payment Date represents final legal maturity of the securitization trust debt. Securitization trust debt is expected to become due and to be paid prior to those dates, based on amortization of the finance receivables pledged to the trusts. Expected payments, which will depend on the performance of such receivables, as to which there can be no assurance, are $346.7 million in 2026, $1,234.1 million in 2027, $845.7 million in 2028, $516.3 million in 2029, $299.2 million in 2030, $146.0 million in 2031, and $70.5 million in 2032.</i></td></tr></table> June 2028 0 240000000 0 15832000 0 September 2028 0 291000000 0 25889000 0 December  2028 0 349202000 0 39625000 0 April 2029 30034000 316800000 23974000 42241000 0.0488 October 2029 50334000 395600000 39753000 72820000 0.0714 April 2030 64912000 391600000 47277000 77073000 0.0838 June 2030 64990000 307018000 60287000 86973000 0.1073 August 2030 86970000 324768000 56218000 83896000 0.0861 November 2030 98205000 332885000 76716000 107035000 0.0840 February 2031 96651000 291732000 78865000 110281000 0.0784 May 2031 101749000 286149000 83808000 121208000 0.0859 August 2031 105678000 280924000 85485000 128466000 0.0692 November 2031 137302000 319871000 116303000 171992000 0.0694 March 2032 202258000 436310000 172976000 254043000 0.0668 June 2032 216136000 416816000 184772000 269169000 0.0554 August 2032 259692000 442420000 229732000 324242000 0.0586 March 2033 284725000 419950000 255729000 341383000 0.0573 May 2033 298769000 418330000 273685000 364711000 0.0525 May 2033 297281000 384600000 278807000 366313000 0.0533 August 2033 295656000 345610000 278005000 0 0.0484 November 2033 474583000 514070000 449168000 0 0.0504 February 2034 707413000 716880000 684681000 0 0.0528 3873338000 8222535000 3476241000 3003192000 17700000 16600000 175000000 <p id="xdx_807_eus-gaap--DebtDisclosureTextBlock_zvliW0ylJhO5" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b>(4) <i><span id="xdx_82A_zczQkkQATVKl">Debt</span></i></b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The terms and amounts of our other debt outstanding on September 30, 2026, and December 31, 2025, are summarized below:</p> <table cellpadding="0" cellspacing="0" id="xdx_898_eus-gaap--ScheduleOfDebtTableTextBlock_pn3n3_zFEpQJKI4tnb" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Debt (Details - Debt outstanding)"> <tr style="vertical-align: bottom; background-color: White"> <td colspan="5"><span id="xdx_8B2_zGNh7RWalrm4" style="display: none">Schedule of debt outstanding</span></td><td> </td> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Amount Outstanding at</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td> </td><td> </td> <td> </td><td> </td> <td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">September 30,</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">December 31,</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="padding-bottom: 1pt"> </td> <td> </td><td style="padding-bottom: 1pt"> </td> <td> </td><td style="padding-bottom: 1pt"> </td> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2026</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2025</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td> </td><td> </td> <td> </td><td> </td> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; text-align: center">Description</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: center">Interest Rate</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: center">Subordinate Lender Interest Rate</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: center">Maturity</td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td> </td><td> </td> <td> </td><td> </td> <td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 20%; text-align: left">Warehouse line of credit</td><td style="width: 1%"> </td> <td style="width: 17%; text-align: center"><span id="xdx_901_eus-gaap--DebtInstrumentDescriptionOfVariableRateBasis_c20260101__20260930__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCreditMember_zVvzgR6C3k0i" title="Interest rate"><span id="xdx_903_eus-gaap--DebtInstrumentDescriptionOfVariableRateBasis_c20250101__20251231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCreditMember_z0sMWlzBcSv7" title="Interest rate">2.85% over CP yield rate (Minimum 3.60%) 6.88% and 6.80%</span></span> at September 30, 2026 and December 31 2025, respectively</td><td style="width: 1%"> </td> <td style="width: 17%; text-align: center"><span id="xdx_90F_ecustom--DebtInstrumentInterestRateDateDescription_c20260101__20260930__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCreditMember_ztiLWaypMhn2" title="Interest rate date description"><span id="xdx_90C_ecustom--DebtInstrumentInterestRateDateDescription_c20250101__20251231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCreditMember_z9pbeNT2vmyh" title="Interest rate date description">6.40% over SOFR yield rate (Minimum 7.15%) 10.47% and 10.40%</span></span> at September 30, 2026 and December 31, 2025, respectively</td><td style="width: 1%"> </td> <td style="width: 17%; text-align: center"><span id="xdx_901_eus-gaap--DebtInstrumentMaturityDateDescription_c20260101__20260930__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCreditMember_zGuLGKWph77i" title="Maturity date description">July 2028</span></td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_980_eus-gaap--WarehouseAgreementBorrowings_iI_pn3n3_c20260930__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCreditMember_zzLoK1bHpItg" style="width: 10%; text-align: right" title="Warehouse lines of credit">397,176</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98D_eus-gaap--WarehouseAgreementBorrowings_iI_pn3n3_c20251231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCreditMember_zgcn467rOS9a" style="width: 10%; text-align: right" title="Warehouse lines of credit">197,107</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td> </td><td> </td> <td> </td><td> </td> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Warehouse line of credit</td><td> </td> <td style="text-align: center"><span id="xdx_905_eus-gaap--DebtInstrumentDescriptionOfVariableRateBasis_c20250101__20251231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit1Member_z942Drtlc8ol" title="Interest rate">4.50% over a commercial paper rate (Minimum 7.50%) 8.25%</span> at December 31 2025</td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"><span id="xdx_900_eus-gaap--DebtInstrumentMaturityDateDescription_c20260101__20260930__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit1Member_zuiahKTzcv67" title="Maturity date description">April 2026</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--WarehouseAgreementBorrowings_iI_pn3n3_d0_c20260930__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit1Member_zCYspN4VP0Ae" style="text-align: right" title="Warehouse lines of credit">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--WarehouseAgreementBorrowings_iI_pn3n3_c20251231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit1Member_z6l7FEsRGCU" style="text-align: right" title="Warehouse lines of credit">11,778</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Warehouse line of credit</td><td> </td> <td style="text-align: center"><span id="xdx_90F_eus-gaap--DebtInstrumentDescriptionOfVariableRateBasis_c20260101__20260930__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit2Member_zDFh7O22Ehbe" title="Interest rate"><span id="xdx_909_eus-gaap--DebtInstrumentDescriptionOfVariableRateBasis_c20250101__20251231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit2Member_zljvrKy9hVI" title="Interest rate">2.60% over SOFR yield rate (Minimum 2.85%) 6.42% and 6.50%</span></span> at September 30, 2026 and December 31, 2025, respectively</td><td> </td> <td style="text-align: center"><span id="xdx_902_ecustom--DebtInstrumentInterestRateDateDescription_c20260101__20260930__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit2Member_zww10Te19cN7" title="Interest rate date description"><span id="xdx_904_ecustom--DebtInstrumentInterestRateDateDescription_c20250101__20251231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit2Member_zVvJCv1JYPX3" title="Interest rate date description">6.40% over SOFR yield rate (Minimum 6.65%) 10.08% and 10.27%</span></span> at September 30, 2026 and December 31, 2025, respectively</td><td> </td> <td style="text-align: center"><span id="xdx_909_eus-gaap--DebtInstrumentMaturityDateDescription_c20260101__20260930__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit2Member_zD696tjBZhTe" title="Maturity date description">October 2027</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--WarehouseAgreementBorrowings_iI_pn3n3_c20260930__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit2Member_z7tHeXG0Djn3" style="text-align: right" title="Warehouse lines of credit">342,515</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--WarehouseAgreementBorrowings_iI_pn3n3_c20251231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit2Member_zuvKHoFTlzZ2" style="text-align: right" title="Warehouse lines of credit">118,323</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Residual interest financing</td><td> </td> <td style="text-align: center"><span id="xdx_90E_eus-gaap--DebtInstrumentInterestRateDuringPeriod_pip0_dp_c20260101__20260930__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancingMember_zNZ81fPKcHFc" title="Interest rate">7.86</span>%</td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"><span id="xdx_904_eus-gaap--DebtInstrumentMaturityDateDescription_c20260101__20260930__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancingMember_zhnRxpCZIAti" title="Maturity date description">December 2028</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_ecustom--ResidualInterestFinancing_iI_pn3n3_d0_c20260930__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancingMember_zWmjD0ynanHc" style="text-align: right" title="Residual interest financing">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_ecustom--ResidualInterestFinancing_pn3n3_c20251231__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancingMember_zO5n3cIhzTNc" style="text-align: right" title="Residual interest financing">31,163</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Residual interest financing</td><td> </td> <td style="text-align: center"><span id="xdx_902_eus-gaap--DebtInstrumentInterestRateDuringPeriod_pip0_dp_c20260101__20260930__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancing1Member_zGHsd1kUlCa1" title="Interest rate">11.50</span>%</td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"><span id="xdx_90C_eus-gaap--DebtInstrumentMaturityDateDescription_c20260101__20260930__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancing1Member_ztzvDlsLtTx1" title="Maturity date description">March 2029</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_ecustom--ResidualInterestFinancing_iI_pn3n3_d0_c20260930__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancing1Member_zEWX2aiFpIOk" style="text-align: right" title="Residual interest financing">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_ecustom--ResidualInterestFinancing_pn3n3_c20251231__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancing1Member_zMbUsK863jl7" style="text-align: right" title="Residual interest financing">49,820</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Residual interest financing</td><td> </td> <td style="text-align: center"><span id="xdx_901_eus-gaap--DebtInstrumentInterestRateDuringPeriod_pip0_dp_c20260101__20260930__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancing2Member_zUCza8Catck4" title="Interest rate">11.00</span>%</td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"><span id="xdx_907_eus-gaap--DebtInstrumentMaturityDateDescription_c20260101__20260930__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancing2Member_zdYUOLDaCYu7" title="Maturity date description">June 2032</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_ecustom--ResidualInterestFinancing_iI_pn3n3_c20260930__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancing2Member_zLXxNTSMsCa2" style="text-align: right" title="Residual interest financing">62,767</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_ecustom--ResidualInterestFinancing_pn3n3_c20251231__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancing2Member_zophQXf8uEH8" style="text-align: right" title="Residual interest financing">63,524</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Residual interest financing</td><td> </td> <td style="text-align: center"><span id="xdx_90B_eus-gaap--DebtInstrumentInterestRateDuringPeriod_pip0_dp_c20260101__20260930__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancing3Member_zRjGjra2nkcg" title="Interest rate">8.75</span>%</td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"><span id="xdx_90F_eus-gaap--DebtInstrumentMaturityDateDescription_c20260101__20260930__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancing3Member_z4lG1AglEfqj" title="Maturity date description">May 2033</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_ecustom--ResidualInterestFinancing_iI_pn3n3_c20260930__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancing3Member_zYD71r51GcR1" style="text-align: right" title="Residual interest financing">50,000</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--ResidualInterestFinancing_iI_pn3n3_d0_c20251231__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancing3Member_z2zjwUSx4QT6" style="text-align: right" title="Residual interest financing">–</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Residual interest financing</td><td> </td> <td style="text-align: center"><span id="xdx_906_eus-gaap--DebtInstrumentInterestRateDuringPeriod_pip0_dp_c20260101__20260930__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancing4Member_z6DEUpKLnwGl" title="Interest rate">10.25</span>%</td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"><span id="xdx_908_eus-gaap--DebtInstrumentMaturityDateDescription_c20260101__20260930__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancing4Member_zR9f3FqIqffd" title="Maturity date description">November 2033</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_ecustom--ResidualInterestFinancing_iI_pn3n3_c20260930__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancing4Member_z0SSOWH3ePh" style="text-align: right" title="Residual interest financing">80,000</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_ecustom--ResidualInterestFinancing_iI_pn3n3_d0_c20251231__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancing4Member_zIOJRdu191sc" style="text-align: right" title="Residual interest financing">–</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; text-align: left">Subordinated renewable notes</td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: center">Weighted average rate of <span id="xdx_907_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20260930__us-gaap--CreditFacilityAxis__custom--SubordinatedRenewableNotesMember_zXWg9WGDM7Xe" title="Debt instrument, interest rate">8.75</span>% and <span id="xdx_90B_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20251231__us-gaap--CreditFacilityAxis__custom--SubordinatedRenewableNotesMember_zGbVmn8yIXhj" title="Debt instrument, interest rate">8.98</span>% at September 30, 2026 and December 31, 2025, respectively</td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: center"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: center">Weighted average maturity of <span id="xdx_90E_eus-gaap--DebtInstrumentMaturityDateDescription_c20260101__20260930__us-gaap--CreditFacilityAxis__custom--SubordinatedRenewableNotesMember_zPeOmT6IOqvc" title="Maturity date description">June 2028</span> and <span id="xdx_90F_eus-gaap--DebtInstrumentMaturityDateDescription_c20250101__20251231__us-gaap--CreditFacilityAxis__custom--SubordinatedRenewableNotesMember_znIJWETbeH0i" title="Maturity date description">November 2027</span> at September 30, 2026 and December 31, 2025, respectively</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--SubordinatedDebt_iI_pn3n3_c20260930__us-gaap--CreditFacilityAxis__custom--SubordinatedRenewableNotesMember_z7RE6rMDmhMh" style="border-bottom: Black 1pt solid; text-align: right" title="Subordinated renewable notes">28,850</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_eus-gaap--SubordinatedDebt_pn3n3_c20251231__us-gaap--CreditFacilityAxis__custom--SubordinatedRenewableNotesMember_zVZBBPIipWGf" style="border-bottom: Black 1pt solid; text-align: right" title="Subordinated renewable notes">28,986</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 2.5pt"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="text-align: center; padding-bottom: 2.5pt"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="text-align: center; padding-bottom: 2.5pt"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="text-align: center; padding-bottom: 2.5pt"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_983_eus-gaap--DebtLongtermAndShorttermCombinedAmount_pn3n3_c20260930_zILoGJwEZd41" style="border-bottom: Black 2.5pt double; text-align: right" title="Total debt outstanding">961,308</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98D_eus-gaap--DebtLongtermAndShorttermCombinedAmount_pn3n3_c20251231_z0YtKbNoYKIe" style="border-bottom: Black 2.5pt double; text-align: right" title="Total debt outstanding">500,701</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A2_zEDPbkxlQfE8" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">On August 18, 2026, we completed an $<span id="xdx_90B_eus-gaap--ProceedsFromIssuanceOfLongTermDebt_pn6n6_c20260817__20260818__us-gaap--SubsidiarySaleOfStockAxis__custom--Notes20262Member_z6W7XVx8bnQ1" title="Proceeds from interest financings">80</span> million securitization of residual interests from previously issued securitizations. In this transaction, a qualified institutional buyer purchased $<span id="xdx_90B_ecustom--AssetBackedNotesIssued_iI_pn6n6_c20260818__us-gaap--SubsidiarySaleOfStockAxis__custom--Notes20262Member_zTTifi1TpHij">80</span>.0 million of asset-backed notes. The notes are secured by residual interests in four CPS securitizations issued between April 2022 and April 2023, as well as an 80% interest in a CPS affiliate that owns the residual interests in three CPS securitizations issued between July 2023 and April 2026. The sold notes (“2026-2 Notes”), issued by CPS Auto Securitization Trust 2026-2, consist of a single class with a coupon of 10.25%. At September 30, 2026, there was $<span id="xdx_90C_eus-gaap--LongTermDebt_iI_pn6n6_c20260930__us-gaap--SubsidiarySaleOfStockAxis__custom--Notes20262Member_z0SmeMtIw701" title="Long-term debt">80</span>.0 million outstanding under this facility.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">On March 4, 2026, we completed a $<span id="xdx_909_eus-gaap--ProceedsFromIssuanceOfLongTermDebt_pn6n6_c20260303__20260304__us-gaap--SubsidiarySaleOfStockAxis__custom--Notes20261Member_ze8Dc06bn8N" title="Proceeds from interest financings">50</span> million securitization of residual interests from previously issued securitizations. In the transaction, a qualified institutional buyers purchased $<span id="xdx_90E_ecustom--AssetBackedNotesIssued_iI_pn6n6_c20260304__us-gaap--SubsidiarySaleOfStockAxis__custom--Notes20261Member_zG6FBkjOjSaj">50</span>.0 million of asset-backed notes secured by an 80% interest in a CPS affiliate that owns the residual interests in four CPS securitizations issued from January 2025 through October 2025. The sold notes (“2026-1 Notes”), issued by CPS Auto Securitization Trust 2026-1, consist of a single class with a coupon of 8.75%. At September 30, 2026, there was $<span id="xdx_903_eus-gaap--LongTermDebt_iI_pn6n6_c20260930__us-gaap--SubsidiarySaleOfStockAxis__custom--Notes20261Member_zvyK8uM9Yvuk" title="Long-term debt">50</span>.0 million outstanding under this facility.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">On April 3, 2026, we amended the credit agreement with Capital One, N.A. to increase the capacity of the facility. The amendment applies to both Capital One, N.A. and the subordinate lender, and increases the capacity of the facility from $<span id="xdx_903_eus-gaap--LineOfCreditFacilityCurrentBorrowingCapacity_iI_pn5n6_c20260402__us-gaap--CreditFacilityAxis__custom--WarehouseCreditFacilityMember__us-gaap--LineOfCreditFacilityAxis__custom--CapitalOneMember_zd234WQGxabe" title="Increases capacity of the facility">167.5</span> million to $<span id="xdx_907_eus-gaap--LineOfCreditFacilityCurrentBorrowingCapacity_iI_pn6n6_c20260403__us-gaap--CreditFacilityAxis__custom--WarehouseCreditFacilityMember__us-gaap--LineOfCreditFacilityAxis__custom--CapitalOneMember_zyOI5kMSUf25" title="Increases capacity of the facility">390</span> million. This facility has a two-year revolving period to October 2027, with an optional amortization period through April 2029. The facility is structured to allow us to fund a portion of the purchase price of automobile contracts by borrowing from a credit facility to our consolidated subsidiary Page Eleven Funding, LLC. The facility provides for effective advances up to 95.50% of eligible finance receivables. The Class A loans under the facility generally accrue interest during the revolving period at a per annum rate equal to the Term SOFR plus 2.60% per annum, with a minimum rate of 2.85% per annum and during the amortization period at a per annum rate equal to the Term SOFR plus 3.60% per annum, with a minimum rate of 3.85% per annum. The Class B loans under the facility generally accrue interest during the revolving period at a per annum rate equal to the Term SOFR plus 6.40% per annum, with a minimum rate of 6.65% per annum and during the amortization period at a per annum rate equal to the Term SOFR plus 7.40% per annum, with a minimum rate of 7.65% per annum. At September 30, 2026, there was $<span id="xdx_905_eus-gaap--LineOfCredit_iI_pn5n6_c20260930__us-gaap--CreditFacilityAxis__custom--WarehouseCreditFacilityMember__us-gaap--LineOfCreditFacilityAxis__custom--CapitalOneMember_zPKCeGudCJUk" title="Long-term increased the capacity">342.5</span> million outstanding under this facility.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">On March 20, 2025, we completed a $<span id="xdx_905_ecustom--ProceedsFromResidualInterestFinancings_pn6n6_c20250319__20250320__us-gaap--SubsidiarySaleOfStockAxis__custom--Notes20251Member_zYKHaayJf5Yk" title="Proceeds from residual interest financings">65</span> million securitization of residual interests from previously issued securitizations. In the transaction, a qualified institutional buyer purchased $<span id="xdx_902_ecustom--AssetBackedNotesIssued_iI_pn6n6_c20250320__us-gaap--SubsidiarySaleOfStockAxis__custom--Notes20251Member_zySVcpDEzCSh">65</span>.0 million of asset-backed notes secured by an 80% interest in a CPS affiliate that owns the residual interests in five CPS securitizations issued from October 2023 through September 2024. The sold notes (“2025-1 Notes”), issued by CPS Auto Securitization Trust 2025-1, consist of a single class with a coupon of 11.00%. At September 30, 2026, there was $<span id="xdx_900_eus-gaap--LongTermDebt_iI_pn5n6_c20260930__us-gaap--SubsidiarySaleOfStockAxis__custom--Notes20251Member_zQrAtLMqmtx7">62.8</span> million outstanding under this facility.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">On December 19, 2024, we increased the capacity of our revolving credit agreement with Citibank, N.A., to $<span id="xdx_901_eus-gaap--LineOfCreditFacilityMaximumBorrowingCapacity_iI_pn6n6_c20241219__us-gaap--CreditFacilityAxis__custom--RevolvingCreditAgreementMember__us-gaap--LineOfCreditFacilityAxis__custom--CitibankMember_zjYtl7XoewB7" title="Line of credit, maximum borrowing capacity">335</span> million. This follows the November 2024 closing of a revolving credit agreement with Oaktree Capital Management, which is subordinate to our credit agreement with Citibank, N.A. <span id="xdx_903_ecustom--EffectiveAdvanceRateDescription_c20241218__20241219__us-gaap--CreditFacilityAxis__custom--RevolvingCreditAgreementMember__us-gaap--LineOfCreditFacilityAxis__custom--CitibankMember_zq4tueOQhvUc" title="Effective advance rate description">The facility provides effective advances up to 10.00% of eligible finance receivables, effectively increasing the advance rate up to 95% across the facility for eligible receivables.</span> The revolving credit agreement with Citibank, N.A. was last renewed in July 2026, extending the maturity date to July 2028 followed by an amortization period through July 2029 for any receivables pledged at the end of the revolving period. The renewal and increase apply to both Citibank, N.A. and the subordinate lender, and increases the capacity of the facility from $<span id="xdx_904_eus-gaap--LineOfCreditFacilityCurrentBorrowingCapacity_iI_pn6n6_c20241218__us-gaap--CreditFacilityAxis__custom--RevolvingCreditAgreementMember__us-gaap--LineOfCreditFacilityAxis__custom--CitibankMember_zFTXbc05AMQl" title="Increases capacity of the facility">335</span> million to $<span id="xdx_902_eus-gaap--LineOfCreditFacilityCurrentBorrowingCapacity_iI_pn6n6_c20241219__us-gaap--CreditFacilityAxis__custom--RevolvingCreditAgreementMember__us-gaap--LineOfCreditFacilityAxis__custom--CitibankMember_zjUCmF5BmsG3" title="Increases capacity of the facility">508</span> million. There was $<span id="xdx_906_eus-gaap--LineOfCredit_iI_pn5n6_c20260930__us-gaap--CreditFacilityAxis__custom--RevolvingCreditAgreementMember__us-gaap--LineOfCreditFacilityAxis__custom--CitibankMember_zraxSqSl95z9" title="Line of credit outstanding">397.2</span> million outstanding under this facility at September 30, 2026.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">On March 29, 2024, we renewed our two-year $<span id="xdx_905_eus-gaap--LineOfCreditFacilityMaximumBorrowingCapacity_iI_pn6n6_c20240329__us-gaap--CreditFacilityAxis__custom--RevolvingCreditAgreementMember__us-gaap--LineOfCreditFacilityAxis__custom--AresAgentServicesMember_zu9PLgVS4Z51" title="Line of credit, maximum borrowing capacity">200</span> million revolving credit agreement with Ares Agent Services, L.P. The revolving period for this facility was extended to March 2026 followed by an amortization period through March 2028 for any receivables pledged at the end of the revolving period. In March 2026, the revolving period was extended to April 2026. The facility was not renewed following the expiration of the revolving period. There was nothing outstanding under this facility at September 30, 2026.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Since 2005, we have offered renewable subordinated notes to the public on a continuous basis, and such notes have maturities that range from <span id="xdx_909_eus-gaap--DebtInstrumentTerm_dtxL_c20260101__20260930__us-gaap--DebtInstrumentAxis__custom--RenewableSubordinatedNotesMember__srt--RangeAxis__srt--MinimumMember_zusNHIrFjDfc" title="Renewable subordinated notes maturity range::XDX::P6M"><span style="-sec-ix-hidden: xdx2ixbrl1426">six</span></span> months to <span id="xdx_905_eus-gaap--DebtInstrumentTerm_dtY_c20260101__20260930__us-gaap--DebtInstrumentAxis__custom--RenewableSubordinatedNotesMember__srt--RangeAxis__srt--MaximumMember_zHnABUhKHVT8" title="Renewable subordinated notes maturity range">10</span> years. At September 30, 2026, there was $<span id="xdx_909_eus-gaap--SubordinatedDebt_iI_pn5n6_dxL_c20260930__us-gaap--DebtInstrumentAxis__custom--RenewableSubordinatedNotesMember_z9bfRofmv4n7" title="::XDX::28850"><span style="-sec-ix-hidden: xdx2ixbrl1429">28.9</span></span> million outstanding under this facility.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Unamortized debt issuance costs of $<span id="xdx_90B_eus-gaap--DebtInstrumentUnamortizedDiscountPremiumAndDebtIssuanceCostsNet_iI_pn5n6_c20260930__us-gaap--SubsidiarySaleOfStockAxis__custom--WarehouseLineOfCreditAndResidualInterestFinancingsMember_zy94GQ3yYGC9" title="Unamortized debt issuance costs">5.9</span> million and $<span id="xdx_907_eus-gaap--DebtInstrumentUnamortizedDiscountPremiumAndDebtIssuanceCostsNet_iI_pn5n6_c20251231__us-gaap--SubsidiarySaleOfStockAxis__custom--WarehouseLineOfCreditAndResidualInterestFinancingsMember_z6HJB4xiciei" title="Unamortized debt issuance costs">3.8</span> million as of September 30, 2026, and December 31, 2025, respectively, have been excluded from the total amount reported above for our warehouse lines of credit and residual interest financings. These debt issuance costs are presented as a direct deduction to the carrying amount of the debt on our Unaudited Condensed Consolidated Balance Sheets.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" id="xdx_898_eus-gaap--ScheduleOfDebtTableTextBlock_pn3n3_zFEpQJKI4tnb" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Debt (Details - Debt outstanding)"> <tr style="vertical-align: bottom; background-color: White"> <td colspan="5"><span id="xdx_8B2_zGNh7RWalrm4" style="display: none">Schedule of debt outstanding</span></td><td> </td> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Amount Outstanding at</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td> </td><td> </td> <td> </td><td> </td> <td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">September 30,</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">December 31,</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="padding-bottom: 1pt"> </td> <td> </td><td style="padding-bottom: 1pt"> </td> <td> </td><td style="padding-bottom: 1pt"> </td> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2026</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2025</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td> </td><td> </td> <td> </td><td> </td> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; text-align: center">Description</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: center">Interest Rate</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: center">Subordinate Lender Interest Rate</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: center">Maturity</td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td> </td><td> </td> <td> </td><td> </td> <td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 20%; text-align: left">Warehouse line of credit</td><td style="width: 1%"> </td> <td style="width: 17%; text-align: center"><span id="xdx_901_eus-gaap--DebtInstrumentDescriptionOfVariableRateBasis_c20260101__20260930__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCreditMember_zVvzgR6C3k0i" title="Interest rate"><span id="xdx_903_eus-gaap--DebtInstrumentDescriptionOfVariableRateBasis_c20250101__20251231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCreditMember_z0sMWlzBcSv7" title="Interest rate">2.85% over CP yield rate (Minimum 3.60%) 6.88% and 6.80%</span></span> at September 30, 2026 and December 31 2025, respectively</td><td style="width: 1%"> </td> <td style="width: 17%; text-align: center"><span id="xdx_90F_ecustom--DebtInstrumentInterestRateDateDescription_c20260101__20260930__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCreditMember_ztiLWaypMhn2" title="Interest rate date description"><span id="xdx_90C_ecustom--DebtInstrumentInterestRateDateDescription_c20250101__20251231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCreditMember_z9pbeNT2vmyh" title="Interest rate date description">6.40% over SOFR yield rate (Minimum 7.15%) 10.47% and 10.40%</span></span> at September 30, 2026 and December 31, 2025, respectively</td><td style="width: 1%"> </td> <td style="width: 17%; text-align: center"><span id="xdx_901_eus-gaap--DebtInstrumentMaturityDateDescription_c20260101__20260930__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCreditMember_zGuLGKWph77i" title="Maturity date description">July 2028</span></td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_980_eus-gaap--WarehouseAgreementBorrowings_iI_pn3n3_c20260930__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCreditMember_zzLoK1bHpItg" style="width: 10%; text-align: right" title="Warehouse lines of credit">397,176</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98D_eus-gaap--WarehouseAgreementBorrowings_iI_pn3n3_c20251231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCreditMember_zgcn467rOS9a" style="width: 10%; text-align: right" title="Warehouse lines of credit">197,107</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td> </td><td> </td> <td> </td><td> </td> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Warehouse line of credit</td><td> </td> <td style="text-align: center"><span id="xdx_905_eus-gaap--DebtInstrumentDescriptionOfVariableRateBasis_c20250101__20251231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit1Member_z942Drtlc8ol" title="Interest rate">4.50% over a commercial paper rate (Minimum 7.50%) 8.25%</span> at December 31 2025</td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"><span id="xdx_900_eus-gaap--DebtInstrumentMaturityDateDescription_c20260101__20260930__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit1Member_zuiahKTzcv67" title="Maturity date description">April 2026</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--WarehouseAgreementBorrowings_iI_pn3n3_d0_c20260930__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit1Member_zCYspN4VP0Ae" style="text-align: right" title="Warehouse lines of credit">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--WarehouseAgreementBorrowings_iI_pn3n3_c20251231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit1Member_z6l7FEsRGCU" style="text-align: right" title="Warehouse lines of credit">11,778</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Warehouse line of credit</td><td> </td> <td style="text-align: center"><span id="xdx_90F_eus-gaap--DebtInstrumentDescriptionOfVariableRateBasis_c20260101__20260930__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit2Member_zDFh7O22Ehbe" title="Interest rate"><span id="xdx_909_eus-gaap--DebtInstrumentDescriptionOfVariableRateBasis_c20250101__20251231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit2Member_zljvrKy9hVI" title="Interest rate">2.60% over SOFR yield rate (Minimum 2.85%) 6.42% and 6.50%</span></span> at September 30, 2026 and December 31, 2025, respectively</td><td> </td> <td style="text-align: center"><span id="xdx_902_ecustom--DebtInstrumentInterestRateDateDescription_c20260101__20260930__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit2Member_zww10Te19cN7" title="Interest rate date description"><span id="xdx_904_ecustom--DebtInstrumentInterestRateDateDescription_c20250101__20251231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit2Member_zVvJCv1JYPX3" title="Interest rate date description">6.40% over SOFR yield rate (Minimum 6.65%) 10.08% and 10.27%</span></span> at September 30, 2026 and December 31, 2025, respectively</td><td> </td> <td style="text-align: center"><span id="xdx_909_eus-gaap--DebtInstrumentMaturityDateDescription_c20260101__20260930__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit2Member_zD696tjBZhTe" title="Maturity date description">October 2027</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--WarehouseAgreementBorrowings_iI_pn3n3_c20260930__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit2Member_z7tHeXG0Djn3" style="text-align: right" title="Warehouse lines of credit">342,515</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--WarehouseAgreementBorrowings_iI_pn3n3_c20251231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit2Member_zuvKHoFTlzZ2" style="text-align: right" title="Warehouse lines of credit">118,323</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Residual interest financing</td><td> </td> <td style="text-align: center"><span id="xdx_90E_eus-gaap--DebtInstrumentInterestRateDuringPeriod_pip0_dp_c20260101__20260930__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancingMember_zNZ81fPKcHFc" title="Interest rate">7.86</span>%</td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"><span id="xdx_904_eus-gaap--DebtInstrumentMaturityDateDescription_c20260101__20260930__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancingMember_zhnRxpCZIAti" title="Maturity date description">December 2028</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_ecustom--ResidualInterestFinancing_iI_pn3n3_d0_c20260930__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancingMember_zWmjD0ynanHc" style="text-align: right" title="Residual interest financing">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_ecustom--ResidualInterestFinancing_pn3n3_c20251231__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancingMember_zO5n3cIhzTNc" style="text-align: right" title="Residual interest financing">31,163</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Residual interest financing</td><td> </td> <td style="text-align: center"><span id="xdx_902_eus-gaap--DebtInstrumentInterestRateDuringPeriod_pip0_dp_c20260101__20260930__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancing1Member_zGHsd1kUlCa1" title="Interest rate">11.50</span>%</td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"><span id="xdx_90C_eus-gaap--DebtInstrumentMaturityDateDescription_c20260101__20260930__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancing1Member_ztzvDlsLtTx1" title="Maturity date description">March 2029</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_ecustom--ResidualInterestFinancing_iI_pn3n3_d0_c20260930__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancing1Member_zEWX2aiFpIOk" style="text-align: right" title="Residual interest financing">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_ecustom--ResidualInterestFinancing_pn3n3_c20251231__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancing1Member_zMbUsK863jl7" style="text-align: right" title="Residual interest financing">49,820</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Residual interest financing</td><td> </td> <td style="text-align: center"><span id="xdx_901_eus-gaap--DebtInstrumentInterestRateDuringPeriod_pip0_dp_c20260101__20260930__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancing2Member_zUCza8Catck4" title="Interest rate">11.00</span>%</td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"><span id="xdx_907_eus-gaap--DebtInstrumentMaturityDateDescription_c20260101__20260930__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancing2Member_zdYUOLDaCYu7" title="Maturity date description">June 2032</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_ecustom--ResidualInterestFinancing_iI_pn3n3_c20260930__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancing2Member_zLXxNTSMsCa2" style="text-align: right" title="Residual interest financing">62,767</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_ecustom--ResidualInterestFinancing_pn3n3_c20251231__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancing2Member_zophQXf8uEH8" style="text-align: right" title="Residual interest financing">63,524</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Residual interest financing</td><td> </td> <td style="text-align: center"><span id="xdx_90B_eus-gaap--DebtInstrumentInterestRateDuringPeriod_pip0_dp_c20260101__20260930__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancing3Member_zRjGjra2nkcg" title="Interest rate">8.75</span>%</td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"><span id="xdx_90F_eus-gaap--DebtInstrumentMaturityDateDescription_c20260101__20260930__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancing3Member_z4lG1AglEfqj" title="Maturity date description">May 2033</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_ecustom--ResidualInterestFinancing_iI_pn3n3_c20260930__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancing3Member_zYD71r51GcR1" style="text-align: right" title="Residual interest financing">50,000</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--ResidualInterestFinancing_iI_pn3n3_d0_c20251231__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancing3Member_z2zjwUSx4QT6" style="text-align: right" title="Residual interest financing">–</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Residual interest financing</td><td> </td> <td style="text-align: center"><span id="xdx_906_eus-gaap--DebtInstrumentInterestRateDuringPeriod_pip0_dp_c20260101__20260930__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancing4Member_z6DEUpKLnwGl" title="Interest rate">10.25</span>%</td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"><span id="xdx_908_eus-gaap--DebtInstrumentMaturityDateDescription_c20260101__20260930__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancing4Member_zR9f3FqIqffd" title="Maturity date description">November 2033</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_ecustom--ResidualInterestFinancing_iI_pn3n3_c20260930__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancing4Member_z0SSOWH3ePh" style="text-align: right" title="Residual interest financing">80,000</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_ecustom--ResidualInterestFinancing_iI_pn3n3_d0_c20251231__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancing4Member_zIOJRdu191sc" style="text-align: right" title="Residual interest financing">–</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; text-align: left">Subordinated renewable notes</td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: center">Weighted average rate of <span id="xdx_907_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20260930__us-gaap--CreditFacilityAxis__custom--SubordinatedRenewableNotesMember_zXWg9WGDM7Xe" title="Debt instrument, interest rate">8.75</span>% and <span id="xdx_90B_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20251231__us-gaap--CreditFacilityAxis__custom--SubordinatedRenewableNotesMember_zGbVmn8yIXhj" title="Debt instrument, interest rate">8.98</span>% at September 30, 2026 and December 31, 2025, respectively</td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: center"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: center">Weighted average maturity of <span id="xdx_90E_eus-gaap--DebtInstrumentMaturityDateDescription_c20260101__20260930__us-gaap--CreditFacilityAxis__custom--SubordinatedRenewableNotesMember_zPeOmT6IOqvc" title="Maturity date description">June 2028</span> and <span id="xdx_90F_eus-gaap--DebtInstrumentMaturityDateDescription_c20250101__20251231__us-gaap--CreditFacilityAxis__custom--SubordinatedRenewableNotesMember_znIJWETbeH0i" title="Maturity date description">November 2027</span> at September 30, 2026 and December 31, 2025, respectively</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--SubordinatedDebt_iI_pn3n3_c20260930__us-gaap--CreditFacilityAxis__custom--SubordinatedRenewableNotesMember_z7RE6rMDmhMh" style="border-bottom: Black 1pt solid; text-align: right" title="Subordinated renewable notes">28,850</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_eus-gaap--SubordinatedDebt_pn3n3_c20251231__us-gaap--CreditFacilityAxis__custom--SubordinatedRenewableNotesMember_zVZBBPIipWGf" style="border-bottom: Black 1pt solid; text-align: right" title="Subordinated renewable notes">28,986</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 2.5pt"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="text-align: center; padding-bottom: 2.5pt"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="text-align: center; padding-bottom: 2.5pt"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="text-align: center; padding-bottom: 2.5pt"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_983_eus-gaap--DebtLongtermAndShorttermCombinedAmount_pn3n3_c20260930_zILoGJwEZd41" style="border-bottom: Black 2.5pt double; text-align: right" title="Total debt outstanding">961,308</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98D_eus-gaap--DebtLongtermAndShorttermCombinedAmount_pn3n3_c20251231_z0YtKbNoYKIe" style="border-bottom: Black 2.5pt double; text-align: right" title="Total debt outstanding">500,701</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 2.85% over CP yield rate (Minimum 3.60%) 6.88% and 6.80% 2.85% over CP yield rate (Minimum 3.60%) 6.88% and 6.80% 6.40% over SOFR yield rate (Minimum 7.15%) 10.47% and 10.40% 6.40% over SOFR yield rate (Minimum 7.15%) 10.47% and 10.40% July 2028 397176000 197107000 4.50% over a commercial paper rate (Minimum 7.50%) 8.25% April 2026 0 11778000 2.60% over SOFR yield rate (Minimum 2.85%) 6.42% and 6.50% 2.60% over SOFR yield rate (Minimum 2.85%) 6.42% and 6.50% 6.40% over SOFR yield rate (Minimum 6.65%) 10.08% and 10.27% 6.40% over SOFR yield rate (Minimum 6.65%) 10.08% and 10.27% October 2027 342515000 118323000 0.0786 December 2028 0 31163000 0.1150 March 2029 0 49820000 0.1100 June 2032 62767000 63524000 0.0875 May 2033 50000000 0 0.1025 November 2033 80000000 0 0.0875 0.0898 June 2028 November 2027 28850000 28986000 961308000 500701000 80000000 80000000 80000000 50000000 50000000 50000000 167500000 390000000 342500000 65000000 65000000 62800000 335000000 The facility provides effective advances up to 10.00% of eligible finance receivables, effectively increasing the advance rate up to 95% across the facility for eligible receivables. 335000000 508000000 397200000 200000000 P10Y 5900000 3800000 <p id="xdx_802_eus-gaap--InterestIncomeAndInterestExpenseDisclosureTextBlock_zSrmQTLpnERl" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><b>(5) <i><span id="xdx_828_zB7HplrCtuG7">Interest Income and Interest Expense</span></i></b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left">The following table presents the components of interest income:</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"></p> <table cellpadding="0" cellspacing="0" id="xdx_898_eus-gaap--InterestAndOtherIncomeTableTextBlock_pn3n3_z3DDaYu7GBd3" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Interest Income and Interest Expense (Details - Interest income)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left"><span id="xdx_8B8_z8gJaPoPs0aj" style="display: none">Schedule of interest income</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_49D_20260701__20260930_zdwlHQAHkNEk" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_490_20250701__20250930_zCmDotGQcro4" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_490_20260101__20260930_zNCy4GMWM1G3" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_495_20250101__20250930_zrPomJj4Tp46" style="text-align: center"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Three Months Ended</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Nine Months Ended</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2026</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2025</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2026</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2025</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: right"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr id="xdx_400_eus-gaap--InterestIncomePurchasedReceivables_pn3n3_zyRNNAq5gpVb" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 44%; text-align: left">Interest on finance receivables at fair value</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">126,932</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">104,890</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">349,391</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">307,484</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_408_eus-gaap--InvestmentIncomeNet_pn3n3_zeAO8UqfI8rf" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Interest on finance receivables</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">817</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">844</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,593</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,949</td><td style="text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--InterestAndOtherIncome_pn3n3_zd5kA97q6gO9" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 1pt">Other interest income</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,333</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,432</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">3,931</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">4,029</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--InterestAndDividendIncomeOperating_pn3n3_zai9xk9ja1m3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Interest income</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">129,082</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">107,166</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">355,915</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">314,462</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A3_zQFp4KX8sf9j" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The following table presents the components of interest expense:</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></p> <table cellpadding="0" cellspacing="0" id="xdx_899_eus-gaap--InterestIncomeAndInterestExpenseDisclosureTableTextBlock_pn3n3_zR1QYn0YYMG9" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Interest Income and Interest Expense (Details - Interest expense)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8BB_zK1MM5JGwEb8" style="display: none">Schedule of interest expense</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: center"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Three Months Ended</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Nine Months Ended</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2026</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2025</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2026</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2025</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 44%; text-align: left">Securitization trust debt</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_986_eus-gaap--InterestExpense_pn3n3_c20260701__20260930__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_zxXJz496q5o9" style="width: 11%; text-align: right" title="Interest expense">54,269</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98F_eus-gaap--InterestExpense_pn3n3_c20250701__20250930__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_zq8aMfBj2Tde" style="width: 11%; text-align: right" title="Interest expense">47,581</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98A_eus-gaap--InterestExpense_pn3n3_c20260101__20260930__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_zIDEH2xehNrc" style="width: 11%; text-align: right" title="Interest expense">153,064</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98E_eus-gaap--InterestExpense_pn3n3_c20250101__20250930__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_zR0kX0NKFey6" style="width: 11%; text-align: right" title="Interest expense">138,182</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Warehouse lines of credit</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--InterestExpense_pn3n3_c20260701__20260930__us-gaap--LongtermDebtTypeAxis__custom--WarehouseLinesOfCreditMember_zyMwzyCOms5h" style="text-align: right" title="Interest expense">10,253</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--InterestExpense_pn3n3_c20250701__20250930__us-gaap--LongtermDebtTypeAxis__custom--WarehouseLinesOfCreditMember_zgOdZwk9rAT" style="text-align: right" title="Interest expense">6,710</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--InterestExpense_pn3n3_c20260101__20260930__us-gaap--LongtermDebtTypeAxis__custom--WarehouseLinesOfCreditMember_zMY8I22hrpa7" style="text-align: right" title="Interest expense">25,551</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--InterestExpense_pn3n3_c20250101__20250930__us-gaap--LongtermDebtTypeAxis__custom--WarehouseLinesOfCreditMember_zQx7eQD6IZsh" style="text-align: right" title="Interest expense">21,439</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Residual interest financing</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--InterestExpense_pn3n3_c20260701__20260930__us-gaap--LongtermDebtTypeAxis__custom--ResidualInterestFinancingMember_zmzWwoIONKa7" style="text-align: right" title="Interest expense">5,324</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--InterestExpense_pn3n3_c20250701__20250930__us-gaap--LongtermDebtTypeAxis__custom--ResidualInterestFinancingMember_z50UXUnohUyj" style="text-align: right" title="Interest expense">4,085</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--InterestExpense_pn3n3_c20260101__20260930__us-gaap--LongtermDebtTypeAxis__custom--ResidualInterestFinancingMember_zHbyQ5vWkKIb" style="text-align: right" title="Interest expense">14,192</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--InterestExpense_pn3n3_c20250101__20250930__us-gaap--LongtermDebtTypeAxis__custom--ResidualInterestFinancingMember_zvjCxCDhJke9" style="text-align: right" title="Interest expense">11,048</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Subordinated renewable notes</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--InterestExpense_pn3n3_c20260701__20260930__us-gaap--LongtermDebtTypeAxis__custom--SubordinatedRenewableNotesMember_z89ZCNLc4XS6" style="border-bottom: Black 1pt solid; text-align: right" title="Interest expense">673</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--InterestExpense_pn3n3_c20250701__20250930__us-gaap--LongtermDebtTypeAxis__custom--SubordinatedRenewableNotesMember_zAWVZNaYm9ih" style="border-bottom: Black 1pt solid; text-align: right" title="Interest expense">722</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--InterestExpense_pn3n3_c20260101__20260930__us-gaap--LongtermDebtTypeAxis__custom--SubordinatedRenewableNotesMember_zcIAy2NSA2va" style="border-bottom: Black 1pt solid; text-align: right" title="Interest expense">2,026</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_eus-gaap--InterestExpense_pn3n3_c20250101__20250930__us-gaap--LongtermDebtTypeAxis__custom--SubordinatedRenewableNotesMember_zu6Kfm6JfLgj" style="border-bottom: Black 1pt solid; text-align: right" title="Interest expense">2,051</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt">Interest expense</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_989_eus-gaap--InterestExpense_pn3n3_c20260701__20260930_zaimcadTvLG6" style="border-bottom: Black 2.5pt double; text-align: right" title="Interest expense">70,519</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_980_eus-gaap--InterestExpense_pn3n3_c20250701__20250930_zoP3I2kQ1OT2" style="border-bottom: Black 2.5pt double; text-align: right" title="Interest expense">59,098</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98C_eus-gaap--InterestExpense_pn3n3_c20260101__20260930_zE4q6vOhPXyh" style="border-bottom: Black 2.5pt double; text-align: right" title="Interest expense">194,833</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98E_eus-gaap--InterestExpense_pn3n3_c20250101__20250930_zRPrm0vT69Q9" style="border-bottom: Black 2.5pt double; text-align: right" title="Interest expense">172,720</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8AA_zdOdtLaQTdT1" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <table cellpadding="0" cellspacing="0" id="xdx_898_eus-gaap--InterestAndOtherIncomeTableTextBlock_pn3n3_z3DDaYu7GBd3" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Interest Income and Interest Expense (Details - Interest income)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left"><span id="xdx_8B8_z8gJaPoPs0aj" style="display: none">Schedule of interest income</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_49D_20260701__20260930_zdwlHQAHkNEk" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_490_20250701__20250930_zCmDotGQcro4" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_490_20260101__20260930_zNCy4GMWM1G3" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_495_20250101__20250930_zrPomJj4Tp46" style="text-align: center"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Three Months Ended</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Nine Months Ended</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2026</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2025</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2026</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2025</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: right"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr id="xdx_400_eus-gaap--InterestIncomePurchasedReceivables_pn3n3_zyRNNAq5gpVb" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 44%; text-align: left">Interest on finance receivables at fair value</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">126,932</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">104,890</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">349,391</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">307,484</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_408_eus-gaap--InvestmentIncomeNet_pn3n3_zeAO8UqfI8rf" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Interest on finance receivables</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">817</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">844</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,593</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,949</td><td style="text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--InterestAndOtherIncome_pn3n3_zd5kA97q6gO9" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 1pt">Other interest income</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,333</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,432</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">3,931</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">4,029</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--InterestAndDividendIncomeOperating_pn3n3_zai9xk9ja1m3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Interest income</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">129,082</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">107,166</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">355,915</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">314,462</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 126932000 104890000 349391000 307484000 817000 844000 2593000 2949000 1333000 1432000 3931000 4029000 129082000 107166000 355915000 314462000 <table cellpadding="0" cellspacing="0" id="xdx_899_eus-gaap--InterestIncomeAndInterestExpenseDisclosureTableTextBlock_pn3n3_zR1QYn0YYMG9" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Interest Income and Interest Expense (Details - Interest expense)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8BB_zK1MM5JGwEb8" style="display: none">Schedule of interest expense</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: center"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Three Months Ended</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Nine Months Ended</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2026</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2025</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2026</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2025</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 44%; text-align: left">Securitization trust debt</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_986_eus-gaap--InterestExpense_pn3n3_c20260701__20260930__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_zxXJz496q5o9" style="width: 11%; text-align: right" title="Interest expense">54,269</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98F_eus-gaap--InterestExpense_pn3n3_c20250701__20250930__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_zq8aMfBj2Tde" style="width: 11%; text-align: right" title="Interest expense">47,581</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98A_eus-gaap--InterestExpense_pn3n3_c20260101__20260930__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_zIDEH2xehNrc" style="width: 11%; text-align: right" title="Interest expense">153,064</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98E_eus-gaap--InterestExpense_pn3n3_c20250101__20250930__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_zR0kX0NKFey6" style="width: 11%; text-align: right" title="Interest expense">138,182</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Warehouse lines of credit</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--InterestExpense_pn3n3_c20260701__20260930__us-gaap--LongtermDebtTypeAxis__custom--WarehouseLinesOfCreditMember_zyMwzyCOms5h" style="text-align: right" title="Interest expense">10,253</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--InterestExpense_pn3n3_c20250701__20250930__us-gaap--LongtermDebtTypeAxis__custom--WarehouseLinesOfCreditMember_zgOdZwk9rAT" style="text-align: right" title="Interest expense">6,710</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--InterestExpense_pn3n3_c20260101__20260930__us-gaap--LongtermDebtTypeAxis__custom--WarehouseLinesOfCreditMember_zMY8I22hrpa7" style="text-align: right" title="Interest expense">25,551</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--InterestExpense_pn3n3_c20250101__20250930__us-gaap--LongtermDebtTypeAxis__custom--WarehouseLinesOfCreditMember_zQx7eQD6IZsh" style="text-align: right" title="Interest expense">21,439</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Residual interest financing</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--InterestExpense_pn3n3_c20260701__20260930__us-gaap--LongtermDebtTypeAxis__custom--ResidualInterestFinancingMember_zmzWwoIONKa7" style="text-align: right" title="Interest expense">5,324</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--InterestExpense_pn3n3_c20250701__20250930__us-gaap--LongtermDebtTypeAxis__custom--ResidualInterestFinancingMember_z50UXUnohUyj" style="text-align: right" title="Interest expense">4,085</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--InterestExpense_pn3n3_c20260101__20260930__us-gaap--LongtermDebtTypeAxis__custom--ResidualInterestFinancingMember_zHbyQ5vWkKIb" style="text-align: right" title="Interest expense">14,192</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--InterestExpense_pn3n3_c20250101__20250930__us-gaap--LongtermDebtTypeAxis__custom--ResidualInterestFinancingMember_zvjCxCDhJke9" style="text-align: right" title="Interest expense">11,048</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Subordinated renewable notes</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--InterestExpense_pn3n3_c20260701__20260930__us-gaap--LongtermDebtTypeAxis__custom--SubordinatedRenewableNotesMember_z89ZCNLc4XS6" style="border-bottom: Black 1pt solid; text-align: right" title="Interest expense">673</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--InterestExpense_pn3n3_c20250701__20250930__us-gaap--LongtermDebtTypeAxis__custom--SubordinatedRenewableNotesMember_zAWVZNaYm9ih" style="border-bottom: Black 1pt solid; text-align: right" title="Interest expense">722</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--InterestExpense_pn3n3_c20260101__20260930__us-gaap--LongtermDebtTypeAxis__custom--SubordinatedRenewableNotesMember_zcIAy2NSA2va" style="border-bottom: Black 1pt solid; text-align: right" title="Interest expense">2,026</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_eus-gaap--InterestExpense_pn3n3_c20250101__20250930__us-gaap--LongtermDebtTypeAxis__custom--SubordinatedRenewableNotesMember_zu6Kfm6JfLgj" style="border-bottom: Black 1pt solid; text-align: right" title="Interest expense">2,051</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt">Interest expense</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_989_eus-gaap--InterestExpense_pn3n3_c20260701__20260930_zaimcadTvLG6" style="border-bottom: Black 2.5pt double; text-align: right" title="Interest expense">70,519</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_980_eus-gaap--InterestExpense_pn3n3_c20250701__20250930_zoP3I2kQ1OT2" style="border-bottom: Black 2.5pt double; text-align: right" title="Interest expense">59,098</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98C_eus-gaap--InterestExpense_pn3n3_c20260101__20260930_zE4q6vOhPXyh" style="border-bottom: Black 2.5pt double; text-align: right" title="Interest expense">194,833</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98E_eus-gaap--InterestExpense_pn3n3_c20250101__20250930_zRPrm0vT69Q9" style="border-bottom: Black 2.5pt double; text-align: right" title="Interest expense">172,720</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 54269000 47581000 153064000 138182000 10253000 6710000 25551000 21439000 5324000 4085000 14192000 11048000 673000 722000 2026000 2051000 70519000 59098000 194833000 172720000 <p id="xdx_800_eus-gaap--EarningsPerShareTextBlock_zp8GOPQ03ebe" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b>(6) <i><span id="xdx_82A_zL9JEYQ2hIQk">Earnings Per Share</span></i></b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Earnings per share for the three-month and nine-month periods ended September 30, 2026, and 2025 were calculated using the weighted average number of shares outstanding for the related period. The following table reconciles the number of shares used in the computations of basic and diluted earnings per share for the three-month and nine-month periods ended September 30, 2026, and 2025:</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"></p> <table cellpadding="0" cellspacing="0" id="xdx_892_eus-gaap--ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_pn3n3_zBhqAy2wECCi" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Earnings Per Share (Details)"> <tr style="vertical-align: bottom; background-color: White"> <td><span id="xdx_8B0_zVk4yybyjun8" style="display: none">Schedule of earnings per share</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_49E_20260701__20260930_z9BV5PwbABkh" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49A_20250701__20250930_zrZc7Mbz5k9g" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49B_20260101__20260930_zu1uCQVd6iNk" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_497_20250101__20250930_zP1KkjiFhzK9" style="text-align: center"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Three Months Ended</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Nine Months Ended</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2026</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2025</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2026</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2025</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr id="xdx_403_eus-gaap--WeightedAverageNumberOfSharesOutstandingBasic_i_pdd" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 44%; text-align: left; text-indent: -10pt; padding-left: 10pt">Weighted average number of common shares outstanding during the period used to compute basic earnings per share</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 11%; text-align: right">21,846</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 11%; text-align: right">22,209</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 11%; text-align: right">21,752</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 11%; text-align: right">21,852</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--IncrementalCommonSharesAttributableToCallOptionsAndWarrants_zTT4gBgxY2I8" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -10pt; padding-left: 10pt">Incremental common shares attributable to exercise of outstanding options</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,474</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,837</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,695</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">2,335</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--WeightedAverageNumberOfDilutedSharesOutstanding_i_pdd" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 2.5pt; text-indent: -10pt; padding-left: 10pt">Weighted average number of common shares used to compute diluted earnings per share</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">23,320</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">24,046</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">23,447</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">24,187</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A1_zLijBclRMZn9" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">If the anti-dilutive effects of common stock equivalents were considered, shares included in the diluted earnings per share calculation for the three-month and nine-month periods ended September 30, 2026, would have included an additional <span id="xdx_90C_eus-gaap--AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount_pn5n6_c20260701__20260930_z0y8ygxKMJTk" title="Antidilutive shares"><span id="xdx_90E_eus-gaap--AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount_pn5n6_c20260101__20260930_zLZI02rsWHug" title="Antidilutive shares">3.7</span></span> million shares attributable to the exercise of outstanding options. For the three months and nine-months ended September 30, 2025, <span id="xdx_90F_eus-gaap--AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount_pn5n6_c20250701__20250930_zRlw53XiplV1" title="Antidilutive shares"><span id="xdx_90B_eus-gaap--AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount_pn5n6_c20250101__20250930_zsM4a8RqIvH2" title="Antidilutive shares">3.2</span></span> million shares, would be included in the diluted earnings per share calculation.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in"> </p> <table cellpadding="0" cellspacing="0" id="xdx_892_eus-gaap--ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_pn3n3_zBhqAy2wECCi" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Earnings Per Share (Details)"> <tr style="vertical-align: bottom; background-color: White"> <td><span id="xdx_8B0_zVk4yybyjun8" style="display: none">Schedule of earnings per share</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_49E_20260701__20260930_z9BV5PwbABkh" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49A_20250701__20250930_zrZc7Mbz5k9g" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49B_20260101__20260930_zu1uCQVd6iNk" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_497_20250101__20250930_zP1KkjiFhzK9" style="text-align: center"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Three Months Ended</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Nine Months Ended</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2026</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2025</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2026</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2025</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr id="xdx_403_eus-gaap--WeightedAverageNumberOfSharesOutstandingBasic_i_pdd" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 44%; text-align: left; text-indent: -10pt; padding-left: 10pt">Weighted average number of common shares outstanding during the period used to compute basic earnings per share</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 11%; text-align: right">21,846</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 11%; text-align: right">22,209</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 11%; text-align: right">21,752</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 11%; text-align: right">21,852</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--IncrementalCommonSharesAttributableToCallOptionsAndWarrants_zTT4gBgxY2I8" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -10pt; padding-left: 10pt">Incremental common shares attributable to exercise of outstanding options</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,474</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,837</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,695</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">2,335</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--WeightedAverageNumberOfDilutedSharesOutstanding_i_pdd" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 2.5pt; text-indent: -10pt; padding-left: 10pt">Weighted average number of common shares used to compute diluted earnings per share</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">23,320</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">24,046</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">23,447</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">24,187</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 21846000 22209000 21752000 21852000 1474000 1837000 1695000 2335000 23320000 24046000 23447000 24187000 3700000 3700000 3200000 3200000 <p id="xdx_80E_eus-gaap--IncomeTaxDisclosureTextBlock_zhJjku8KHlRd" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b>(7) <i><span id="xdx_828_z7StiRrp9OPd">Income Taxes</span> </i></b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">We file numerous consolidated and separate income tax returns with the United States and with many states. With few exceptions, we are no longer subject to U.S. federal, state, or local examinations by tax authorities for years before 2021.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">As of September 30, 2026 and December 31, 2025, we had no unrecognized tax benefits for uncertain tax positions. We do not anticipate that total unrecognized tax benefits will significantly change due to any settlements of audits or expirations of statutes of limitations over the next 12 months.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The Company and its subsidiaries file a consolidated federal income tax return and combined or stand-alone state franchise tax returns for certain states. We utilize the asset and liability method of accounting for income taxes, under which deferred income taxes are recognized for the future tax consequences attributable to the differences between the financial statement values of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred taxes of a change in tax rates is recognized in income in the period that includes the enactment date.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Deferred tax assets and liabilities are recognized for the future tax consequences of events that have been recognized in the financial statements. A valuation allowance is recognized to reduce a deferred tax asset if, based on the weight of all available evidence, it is more likely than not that some or all of the deferred tax asset will not be realized. When making this judgment, both positive and negative evidence is considered, with the most weight given to evidence that can be objectively verified. The recognition of deferred tax liabilities, however, does not require a similar more likely than not test for realization. They are recognized with the expectation that they will be settled in future periods when the related taxable temporary differences reverse. As of September 30, 2026 we have a net deferred tax liabilities of $<span id="xdx_900_eus-gaap--DeferredTaxLiabilities_iI_c20260930_zmOnwu6DUNwf" title="Net deferred tax liabilities">402,000</span>. Our net deferred tax liabilities of $402,000 consists of approximately $<span id="xdx_90D_eus-gaap--DeferredIncomeTaxLiabilities_iI_c20260930__us-gaap--IncomeTaxAuthorityAxis__custom--FederalMember_zhopWFVxHJde" title="Net deferred tax liabilities">608,000</span> of net U.S. federal deferred tax liabilities and $<span id="xdx_90C_eus-gaap--DeferredTaxAssetsNet_iI_c20260930__us-gaap--IncomeTaxAuthorityAxis__us-gaap--StateAndLocalJurisdictionMember_zuoJEueD5p1f" title="Net deferred tax liabilities">206,000</span> of net state deferred tax assets.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Income tax expense was $<span id="xdx_90D_eus-gaap--CurrentIncomeTaxExpenseBenefit_pn5n6_c20260701__20260930_zYd878Vz8hT7">3.1</span> million and $<span id="xdx_90E_eus-gaap--CurrentIncomeTaxExpenseBenefit_pn5n6_c20260101__20260930_zFcnrEtSdb6d" title="Income tax expense">8.4</span> million for the three-months and nine-months ended on September 30, 2026, compared to income tax expense of $<span id="xdx_902_eus-gaap--CurrentIncomeTaxExpenseBenefit_pn5n6_c20250701__20250930_zaWAvm7GJTp1">2.2</span> million and $<span id="xdx_903_eus-gaap--CurrentIncomeTaxExpenseBenefit_pn5n6_c20250101__20250930_z14uZtYV1g6d">6.4</span> million for the three-months and nine-months ended September 30, 2025, representing an effective income tax rate of <span id="xdx_902_eus-gaap--EffectiveIncomeTaxRateContinuingOperations_pip0_dp_c20250101__20250930_zbGBlbRrp2V8">31</span>% in both periods.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> 402000 608000 206000 3100000 8400000 2200000 6400000 0.31 <p id="xdx_80F_eus-gaap--LegalMattersAndContingenciesTextBlock_zgCR58HM6dK5" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; text-align: left"><b>(8) <i><span id="xdx_829_z14SEdhAjhB1">Legal Proceedings</span></i></b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-weight: normal">Consumer Litigation. <span style="font-style: normal">We are routinely involved in various legal proceedings resulting from our consumer finance activities and practices, both continuing and discontinued. Consumers can and do initiate lawsuits against us alleging violations of law applicable to collection of receivables, and such lawsuits sometimes allege that resolution as a class action is appropriate. For the most part, we have legal and factual defenses to consumer claims, which we routinely contest or settle (for immaterial amounts) depending on the particular circumstances of each case.</span></span></p> <p style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-style: normal; font-weight: normal">In general, there can be no assurance as to the outcomes of the matters described above. We record at each measurement date our best estimate of probable incurred losses for legal contingencies, if any. The amount of losses that may ultimately be incurred cannot be estimated with certainty. However, based on such information as is available to us, the Company is not currently a party to any such material proceedings.</span></p> <p style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-style: normal; font-weight: normal">Accordingly, we believe that the ultimate resolution of legal proceedings should not have a material adverse effect on our consolidated financial condition. We note, however, that in light of the uncertainties inherent in contested proceedings there can be no assurance that the ultimate resolution of these matters will not be material to our operating results for a particular period, depending on, among other factors, the size of the loss or liability imposed and the level of our income for that period. </span></p> <p style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p id="xdx_80A_eus-gaap--FairValueMeasurementInputsDisclosureTextBlock_zVuQiF8Sa4S8" style="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">(9) <span id="xdx_822_z4W0VqnI5s19">Fair Value Measurements</span></p> <p style="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">ASC 820, "Fair Value Measurements" clarifies the principle that fair value should be based on the assumptions market participants would use when pricing an asset or liability and establishes a fair value hierarchy that prioritizes the information used to develop those assumptions. Under the standard, fair value measurements would be separately disclosed by level within the fair value hierarchy.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">ASC 820 defines fair value, establishes a framework for measuring fair value, establishes a three-level valuation hierarchy for disclosure of fair value measurement and enhances disclosure requirements for fair value measurements. The three levels are defined as follows: level 1 - inputs to the valuation methodology are quoted prices (unadjusted) for identical assets or liabilities in active markets; level 2 – inputs to the valuation methodology include quoted prices for similar assets and liabilities in active markets, and inputs that are observable for the asset or liability, either directly or indirectly, for substantially the full term of the financial instrument; and level 3 – inputs to the valuation methodology are unobservable and significant to the fair value measurement.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">There were no transfers in or out of level 1, level 2 or level 3 assets and liabilities for the three and nine months ended September 30, 2026, and 2025.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The estimated fair values of financial assets and liabilities, excluding assets carried at fair value, on September 30, 2026 and December 31, 2025, were as follows:</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"></p> <table cellpadding="0" cellspacing="0" id="xdx_894_eus-gaap--FairValueByBalanceSheetGroupingTextBlock_pn3n3_zzmMOiBaFV4i" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Fair Value Measurements (Details - Fair values)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left"><span id="xdx_8B6_z26yc1jt6Xd6" style="display: none">Schedule of fair values of financial assets and liabilities</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_49D_20260930__us-gaap--FairValueByAssetClassAxis__custom--CarryingValueMember_zZtZaFIzEmog" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_495_20260930__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_zHrvws13Wrmf" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_497_20260930__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_zPK8lQXg2gA6" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49D_20260930__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_zgLexPxeAMRd" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_496_20260930_zVaVhrk33Ox3" style="text-align: center"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="18" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">As of September 30, 2026</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1pt; font-weight: bold"><span style="text-decoration: underline">Financial Instrument</span></td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="18" style="padding-bottom: 1pt; font-weight: bold; text-align: center">(In thousands)</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="padding-bottom: 1pt; font-weight: bold; text-align: center">Carrying</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Value Measurements Using:</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 1</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 2</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 3</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="font-weight: bold">Assets:</td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td></tr> <tr id="xdx_40F_eus-gaap--CashAndCashEquivalentsAtCarryingValue_iI_pn3n3_d0_zBZoqKn4oef2" style="vertical-align: bottom; background-color: White"> <td style="width: 30%; text-align: left">Cash and cash equivalents</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">5,147</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">5,147</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">5,147</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--RestrictedCashAndCashEquivalents_iI_pn3n3_d0_znoDrocC6F7" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Restricted cash and equivalents</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">174,964</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$ </td><td style="text-align: right">174,964</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">174,964</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold">Liabilities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_404_eus-gaap--LinesOfCreditCurrent_iI_pn3n3_d0_zRdYkB46Gi1g" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Warehouse lines of credit</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">735,840</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">735,840</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">735,840</td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--AccountsPayableFairValueDisclosure_iI_pn3n3_d0_zNz2WkHcQoti" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Accrued interest payable</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">14,376</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">14,376</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">14,376</td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_ecustom--ResidualInterestFinancingLiability_iI_pn3n3_d0_zS1HlT2tIPya" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Residual interest financing</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">190,665</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">189,323</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">189,323</td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--SecuredDebt_iI_pn3n3_d0_zCjPaP8V1SG" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Securitization trust debt</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">3,458,537</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">3,435,163</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">3,435,163</td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--SubordinatedDebt_iI_pn3n3_d0_zGvCmW2pxMyi" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Subordinated renewable notes</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">28,850</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">28,850</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">28,850</td><td style="text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; text-align: left"></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_493_20251231__us-gaap--FairValueByAssetClassAxis__custom--CarryingValueMember_zHLSFf2uFu39" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49A_20251231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_z0eq3WJI9eZ6" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49C_20251231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_zb3kfjJnEepe" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_495_20251231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_zxTrTwVab095" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_499_20251231_zvIN2WbxGPQd" style="text-align: center"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="18" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">As of December 31, 2025</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1pt; font-weight: bold"><span style="text-decoration: underline">Financial Instrument</span></td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="18" style="padding-bottom: 1pt; font-weight: bold; text-align: center">(In thousands)</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="padding-bottom: 1pt; font-weight: bold; text-align: center">Carrying</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Value Measurements Using:</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 1</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 2</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 3</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="font-weight: bold">Assets:</td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--CashAndCashEquivalentsAtCarryingValue_iI_pn3n3_d0_z6pZv0IJslJ9" style="vertical-align: bottom; background-color: White"> <td style="width: 30%; text-align: left">Cash and cash equivalents</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">6,322</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">6,322</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">6,322</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--RestrictedCashAndCashEquivalents_iI_pn3n3_d0_zfWELaHvmAia" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Restricted cash and equivalents</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">165,885</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">165,885</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">165,885</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold">Liabilities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--LinesOfCreditCurrent_iI_pn3n3_d0_zzSODR4YFoIe" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Warehouse lines of credit</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">324,871</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">324,871</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">324,871</td><td style="text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--AccountsPayableFairValueDisclosure_iI_pn3n3_d0_zGfMjNLF4YQk" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Accrued interest payable</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">11,994</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">11,994</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">11,994</td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_ecustom--ResidualInterestFinancingLiability_iI_pn3n3_d0_zwIk0yBZgeD7" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Residual interest financing</td><td> </td> <td style="text-align: left">$ </td><td style="text-align: right">142,982</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">152,607</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">152,607</td><td style="text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--SecuredDebt_iI_pn3n3_d0_zxc7wnSMJUG4" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Securitization trust debt</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">2,986,574</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">2,985,961</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">2,985,961</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--SubordinatedDebt_iI_pn3n3_d0_zdSgIM9tssg3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Subordinated renewable notes</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">28,986</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">28,986</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">28,986</td><td style="text-align: left"> </td></tr> </table> <p id="xdx_8AD_zAYur263wjw1" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <table cellpadding="0" cellspacing="0" id="xdx_894_eus-gaap--FairValueByBalanceSheetGroupingTextBlock_pn3n3_zzmMOiBaFV4i" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Fair Value Measurements (Details - Fair values)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left"><span id="xdx_8B6_z26yc1jt6Xd6" style="display: none">Schedule of fair values of financial assets and liabilities</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_49D_20260930__us-gaap--FairValueByAssetClassAxis__custom--CarryingValueMember_zZtZaFIzEmog" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_495_20260930__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_zHrvws13Wrmf" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_497_20260930__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_zPK8lQXg2gA6" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49D_20260930__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_zgLexPxeAMRd" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_496_20260930_zVaVhrk33Ox3" style="text-align: center"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="18" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">As of September 30, 2026</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1pt; font-weight: bold"><span style="text-decoration: underline">Financial Instrument</span></td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="18" style="padding-bottom: 1pt; font-weight: bold; text-align: center">(In thousands)</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="padding-bottom: 1pt; font-weight: bold; text-align: center">Carrying</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Value Measurements Using:</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 1</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 2</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 3</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="font-weight: bold">Assets:</td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td></tr> <tr id="xdx_40F_eus-gaap--CashAndCashEquivalentsAtCarryingValue_iI_pn3n3_d0_zBZoqKn4oef2" style="vertical-align: bottom; background-color: White"> <td style="width: 30%; text-align: left">Cash and cash equivalents</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">5,147</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">5,147</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">5,147</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--RestrictedCashAndCashEquivalents_iI_pn3n3_d0_znoDrocC6F7" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Restricted cash and equivalents</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">174,964</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$ </td><td style="text-align: right">174,964</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">174,964</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold">Liabilities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_404_eus-gaap--LinesOfCreditCurrent_iI_pn3n3_d0_zRdYkB46Gi1g" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Warehouse lines of credit</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">735,840</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">735,840</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">735,840</td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--AccountsPayableFairValueDisclosure_iI_pn3n3_d0_zNz2WkHcQoti" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Accrued interest payable</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">14,376</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">14,376</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">14,376</td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_ecustom--ResidualInterestFinancingLiability_iI_pn3n3_d0_zS1HlT2tIPya" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Residual interest financing</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">190,665</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">189,323</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">189,323</td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--SecuredDebt_iI_pn3n3_d0_zCjPaP8V1SG" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Securitization trust debt</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">3,458,537</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">3,435,163</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">3,435,163</td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--SubordinatedDebt_iI_pn3n3_d0_zGvCmW2pxMyi" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Subordinated renewable notes</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">28,850</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">28,850</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">28,850</td><td style="text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; text-align: left"></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_493_20251231__us-gaap--FairValueByAssetClassAxis__custom--CarryingValueMember_zHLSFf2uFu39" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49A_20251231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_z0eq3WJI9eZ6" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49C_20251231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_zb3kfjJnEepe" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_495_20251231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_zxTrTwVab095" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_499_20251231_zvIN2WbxGPQd" style="text-align: center"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="18" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">As of December 31, 2025</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1pt; font-weight: bold"><span style="text-decoration: underline">Financial Instrument</span></td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="18" style="padding-bottom: 1pt; font-weight: bold; text-align: center">(In thousands)</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="padding-bottom: 1pt; font-weight: bold; text-align: center">Carrying</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Value Measurements Using:</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 1</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 2</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 3</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="font-weight: bold">Assets:</td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--CashAndCashEquivalentsAtCarryingValue_iI_pn3n3_d0_z6pZv0IJslJ9" style="vertical-align: bottom; background-color: White"> <td style="width: 30%; text-align: left">Cash and cash equivalents</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">6,322</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">6,322</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">6,322</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--RestrictedCashAndCashEquivalents_iI_pn3n3_d0_zfWELaHvmAia" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Restricted cash and equivalents</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">165,885</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">165,885</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">165,885</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold">Liabilities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--LinesOfCreditCurrent_iI_pn3n3_d0_zzSODR4YFoIe" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Warehouse lines of credit</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">324,871</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">324,871</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">324,871</td><td style="text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--AccountsPayableFairValueDisclosure_iI_pn3n3_d0_zGfMjNLF4YQk" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Accrued interest payable</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">11,994</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">11,994</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">11,994</td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_ecustom--ResidualInterestFinancingLiability_iI_pn3n3_d0_zwIk0yBZgeD7" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Residual interest financing</td><td> </td> <td style="text-align: left">$ </td><td style="text-align: right">142,982</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">152,607</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">152,607</td><td style="text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--SecuredDebt_iI_pn3n3_d0_zxc7wnSMJUG4" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Securitization trust debt</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">2,986,574</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">2,985,961</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">2,985,961</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--SubordinatedDebt_iI_pn3n3_d0_zdSgIM9tssg3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Subordinated renewable notes</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">28,986</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">28,986</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">28,986</td><td style="text-align: left"> </td></tr> </table> 5147000 5147000 0 0 5147000 174964000 174964000 0 0 174964000 735840000 0 0 735840000 735840000 14376000 0 0 14376000 14376000 190665000 0 0 189323000 189323000 3458537000 0 0 3435163000 3435163000 28850000 0 0 28850000 28850000 6322000 6322000 0 0 6322000 165885000 165885000 0 0 165885000 324871000 0 0 324871000 324871000 11994000 0 0 11994000 11994000 142982000 0 0 152607000 152607000 2986574000 0 0 2985961000 2985961000 28986000 0 0 28986000 28986000 <p id="xdx_807_eus-gaap--SegmentReportingDisclosureTextBlock_zKEiMrAgVIE5" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><b><i>(10) <span id="xdx_826_zn09Ak0bmhad">Business Segment Information</span></i></b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The company has <span id="xdx_906_eus-gaap--NumberOfReportableSegments_dxL_uInteger_c20260101__20260930_zjAS94Upnu6g" title="Number of reportable segment::XDX::1"><span style="-sec-ix-hidden: xdx2ixbrl1650">one</span></span> reportable segment. This determination is made by our Chief Executive Officer, who acts as the chief operating decision-maker (“CODM”), in assessing performance and making decisions regarding resource allocation. The CODM assesses performance by reviewing the consolidated financial statements, which reflect the financial results of our one reportable operating segment.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in">Within the Company’s one reportable segment, it provides indirect vehicle financing to motor vehicle dealer’s less credit- worthy borrowers. The Company’s revenue primarily consists of interest income and is derived from the interest recorded on contracts the Company has purchased. The revenue generated from any individual borrower is deemed to be immaterial.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"> </p> <p id="xdx_800_eus-gaap--SubsequentEventsTextBlock_zsqvApAra1W8" style="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">(11) <span id="xdx_82B_zlhl8yiKv2S4">Subsequent Events</span></p> <p style="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in">On October 9, 2026, we amended our two-year revolving credit agreement with Capital One, N.A. to increase the capacity of the facility. The amendment applies to both Capital One, N.A. and the subordinate lender, and increases the total capacity of the facility from $390 million to $518 million.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in">On October 21, 2026, we completed our fourth securitization of 2026. In the transaction, qualified institutional buyers purchased $767.85 million of asset-backed notes secured by $797.36 million in automobile receivables originated by CPS. The sold notes, issued by CPS Auto Receivables Trust 2026-D, consist of five classes. Ratings of the notes were provided by Moody’s and DBRS Morningstar, and were based on the structure of the transaction, the historical performance of similar receivables and CPS’s experience as a servicer. The weighted average interest rate on the notes is approximately 6.68%.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"> </p> <p style="margin: 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><b>Cautionary Note Regarding Forward-Looking Statements </b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in">Discussions of certain matters contained in this report may constitute forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended (the “Securities Act”) and Section 21E of the Exchange Act, and as such, may involve risks and uncertainties. You can generally identify forward-looking statements as statements containing the words “will,” “would,” “believe,” “may,” “could,” “expect,” “anticipate,” “intend,” “estimate,” “judgment,” “assume,” “plans,” “goals, “strategy,” “future,” “likely,” “should” or other similar expressions.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in">Examples of forward-looking statements include, among others, statements we make regarding:</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <table border="0" cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"> <tr style="vertical-align: top"> <td style="width: 3%"> </td> <td style="text-align: justify; width: 3%"><span style="font-family: Symbol">·</span></td> <td style="text-align: justify; width: 94%">charge-offs and recovery rates;</td></tr> <tr style="vertical-align: top"> <td> </td> <td style="text-align: justify"><span style="font-family: Symbol">·</span></td> <td style="text-align: justify">the willingness or ability of obligors to pay pursuant to contractual terms;</td></tr> <tr style="vertical-align: top"> <td> </td> <td style="text-align: justify"><span style="font-family: Symbol">·</span></td> <td style="text-align: justify">our ability to enforce rights under contracts;</td></tr> <tr style="vertical-align: top"> <td> </td> <td style="text-align: justify"><span style="font-family: Symbol">·</span></td> <td style="text-align: justify">our ability to and rates at which we plan to acquire automobile contracts;</td></tr> <tr style="vertical-align: top"> <td> </td> <td style="text-align: justify"><span style="font-family: Symbol">·</span></td> <td style="text-align: justify">the anticipated levels of recoveries upon sale of repossessed vehicles;</td></tr> <tr style="vertical-align: top"> <td> </td> <td style="text-align: justify"><span style="font-family: Symbol">·</span></td> <td style="text-align: justify">revenues or expenses;</td></tr> <tr style="vertical-align: top"> <td> </td> <td style="text-align: justify"><span style="font-family: Symbol">·</span></td> <td style="text-align: justify">provisions for credit losses;</td></tr> <tr style="vertical-align: top"> <td> </td> <td style="text-align: justify"><span style="font-family: Symbol">·</span></td> <td style="text-align: justify">expected industry and general economic trends;</td></tr> <tr style="vertical-align: top"> <td style="width: 3%"> </td> <td style="text-align: justify; width: 3%"><span style="font-family: Symbol">·</span></td> <td style="text-align: justify; width: 94%">accrued losses for legal contingencies;</td></tr> <tr style="vertical-align: top"> <td> </td> <td style="text-align: justify"><span style="font-family: Symbol">·</span></td> <td style="text-align: justify">anticipated deferred tax assets;</td></tr> <tr style="vertical-align: top"> <td> </td> <td style="text-align: justify"><span style="font-family: Symbol">·</span></td> <td style="text-align: justify">estimates of taxable income;</td></tr> </table> <table border="0" cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"> <tr style="vertical-align: top"> <td style="width: 3%"> </td> <td style="text-align: justify; width: 3%"><span style="font-family: Symbol">·</span></td> <td style="text-align: justify; width: 94%">our ability to service and repay our debt;</td></tr> <tr style="vertical-align: top"> <td> </td> <td style="text-align: justify"><span style="font-family: Symbol">·</span></td> <td style="text-align: justify">the structuring of securitization transactions as secured financings and the effects of such structures on financial items and future profitability; or</td></tr> <tr style="vertical-align: top"> <td> </td> <td style="text-align: justify"><span style="font-family: Symbol">·</span></td> <td style="text-align: justify">the effect of the change in structure on our profitability and the duration of the period in which our profitability would be affected by the change in securitization structure.</td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; text-align: justify">Our actual results, performance and achievements may differ materially from the results, performance and achievements expressed or implied in such forward-looking statements. Some of the factors that might cause such a difference include, but are not limited to, the following:</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <table border="0" cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"> <tr style="vertical-align: top"> <td style="width: 3%"> </td> <td style="text-align: justify; width: 3%"><span style="font-family: Symbol">·</span></td> <td style="text-align: justify; width: 94%">unexpected exogenous events, such as a widespread public health emergency;</td></tr> <tr style="vertical-align: top"> <td> </td> <td style="text-align: justify"><span style="font-family: Symbol">·</span></td> <td style="text-align: justify">mandates imposed in reaction to such events, such as prohibitions of otherwise permissible activity;</td></tr> <tr style="vertical-align: top"> <td> </td> <td style="text-align: justify"><span style="font-family: Symbol">·</span></td> <td style="text-align: justify">changes in general economic conditions;</td></tr> <tr style="vertical-align: top"> <td> </td> <td style="text-align: justify"><span style="font-family: Symbol">·</span></td> <td style="text-align: justify">changes in performance of our automobile contracts;</td></tr> <tr style="vertical-align: top"> <td> </td> <td style="text-align: justify"><span style="font-family: Symbol">·</span></td> <td style="text-align: justify">increases in interest rates;</td></tr> <tr style="vertical-align: top"> <td> </td> <td style="text-align: justify"><span style="font-family: Symbol">·</span></td> <td style="text-align: justify">our ability to generate sufficient operating and financing cash flows;</td></tr> <tr style="vertical-align: top"> <td> </td> <td style="text-align: justify"><span style="font-family: Symbol">·</span></td> <td style="text-align: justify">competition;</td></tr> <tr style="vertical-align: top"> <td> </td> <td style="text-align: justify"><span style="font-family: Symbol">·</span></td> <td style="text-align: justify">the level of losses incurred on contracts in our managed portfolio;</td></tr> <tr style="vertical-align: top"> <td> </td> <td style="text-align: justify"><span style="font-family: Symbol">·</span></td> <td style="text-align: justify">adverse decisions by courts or regulators;</td></tr> <tr style="vertical-align: top"> <td style="width: 3%"> </td> <td style="text-align: justify; width: 3%"><span style="font-family: Symbol">·</span></td> <td style="text-align: justify; width: 94%">regulatory changes with respect to consumer finance;</td></tr> <tr style="vertical-align: top"> <td> </td> <td style="text-align: justify"><span style="font-family: Symbol">·</span></td> <td style="text-align: justify">changes in the market for used vehicles;</td></tr> <tr style="vertical-align: top"> <td> </td> <td style="text-align: justify"><span style="font-family: Symbol">·</span></td> <td style="text-align: justify">levels of cash releases from existing pools of contracts;</td></tr> <tr style="vertical-align: top"> <td> </td> <td style="text-align: justify"><span style="font-family: Symbol">·</span></td> <td style="text-align: justify">the terms on which we are able to finance contract purchases;</td></tr> <tr style="vertical-align: top"> <td> </td> <td style="text-align: justify"><span style="font-family: Symbol">·</span></td> <td style="text-align: justify">the willingness or ability of dealers to assign contracts to us on acceptable terms;</td></tr> <tr style="vertical-align: top"> <td> </td> <td style="text-align: justify"><span style="font-family: Symbol">·</span></td> <td style="text-align: justify">the terms on which we are able to complete term securitizations once contracts are acquired;</td></tr> <tr style="vertical-align: top"> <td> </td> <td style="text-align: justify"><span style="font-family: Symbol">·</span></td> <td style="text-align: justify">any breach in the security of our systems; and</td></tr> <tr style="vertical-align: top"> <td> </td> <td style="text-align: justify"><span style="font-family: Symbol">·</span></td> <td style="text-align: justify">such other factors as discussed through the “Risk Factors” section of this report.</td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; text-align: justify">Forward-looking statements are neither historical facts nor guarantees of performance. Instead, they are based only on our current beliefs, expectations and assumptions regarding the future of our business, plans and strategies, projections, anticipated events and trends, the economy and other uncertain conditions. Because forward-looking statements relate to the future, they involve risks, uncertainties and assumptions. Actual results may differ from expectations due to many factors beyond our ability to control or predict, including those described herein, and in any documents incorporated by reference in this report. Therefore, you should not rely on any of these forward-looking statements. For these statements, we claim the protection of the safe harbor for forward-looking statements contained in the Private Securities Litigation Reform Act of 1995.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in">We undertake no obligation to publicly update any forward-looking information. You are advised to consult any additional disclosure we make in our periodic reports filed with the SEC.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span id="q3_010"></span><b>Item 2<i>. Management’s Discussion and Analysis of Financial Condition and Results of Operations</i></b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0">Overview</p> <p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; text-align: justify">We are a specialty finance company. Our business is to purchase and service retail automobile contracts originated primarily by franchised automobile dealers and, to a lesser extent, by select independent dealers in the United States in the sale of new and used automobiles, light trucks and passenger vans. Through our automobile contract purchases, we provide indirect financing to the customers of dealers who have limited credit histories or past credit problems, who we refer to as sub-prime customers. We serve as an alternative source of financing for dealers, facilitating sales to customers who otherwise might not be able to obtain financing from traditional sources, such as commercial banks, credit unions and the captive finance companies affiliated with major automobile manufacturers. In addition to purchasing installment purchase contracts directly from dealers, we, also, to a lesser extent, originate loans directly to consumers for the refinancing of an existing loan from other lenders secured by an automobile and have also (i) originated vehicle purchase money loans by lending directly to consumers, (ii) acquired installment purchase contracts in four merger and acquisition transactions, and (iii) purchased immaterial amounts of vehicle purchase money loans from non-affiliated lenders. In this report, we refer to all of such contracts and loans as “automobile contracts.”</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; text-align: justify">We were incorporated and began our operations in March 1991. From inception through September 30, 2026, we have originated a total of approximately $26.8 billion of automobile contracts from dealers, and to a lesser degree, by originating loans secured by automobiles directly with consumers. Our recent history of contract purchase volumes and managed portfolio levels are shown in the table below. Managed portfolio comprises both contracts we owned and those we were servicing for third parties.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><b>Contract Purchases and Outstanding Managed Portfolio</b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><b> </b></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 79%; margin-right: auto"> <tr style="vertical-align: bottom"> <td> </td><td style="font-style: italic; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-style: italic; text-align: center">$ in thousands</td><td style="padding-bottom: 1pt; font-style: italic"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Period</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Contracts Purchased in Period</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Managed Portfolio at Period End</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 45%; text-align: center">2021</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">1,146,321</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">2,249,069</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: center">2022</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,854,385</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,001,308</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: center">2023</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,357,752</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,194,623</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: center">2024</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,681,941</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,665,725</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: center">2025</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,638,326</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,898,425</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: center">Nine months ended September 30, 2026</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,106,180</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,840,861</td><td style="text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; text-align: justify">Our principal executive offices are in Las Vegas, Nevada. Most of our operational and administrative functions take place in Irvine, California. Credit and underwriting functions are performed primarily in that California branch with certain of these functions also performed in our Florida, Nevada, and Virginia branches. We service our automobile contracts from our California, Nevada, Virginia, Florida and Illinois branches.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; text-align: justify">The programs we offer to dealers and consumers are intended to serve a wide range of sub-prime customers, primarily through franchised new car dealers. We originate automobile contracts with the intention of financing them on a long-term basis through securitizations. Securitizations are transactions in which we sell a specified pool of contracts to a special purpose subsidiary of ours, which in turn issues asset-backed securities to fund the purchase of the pool of contracts from us.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0">Securitization and Warehouse Credit Facilities</p> <p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt">Throughout the period for which information is presented in this report, we have purchased automobile contracts with the intention of financing them on a long-term basis through securitizations, and on an interim basis through warehouse credit facilities. All such financings have involved identification of specific automobile contracts, sale of those automobile contracts (and associated rights) to one of our special-purpose subsidiaries, and issuance of asset-backed securities to be purchased by institutional investors. Depending on the structure, these transactions may be accounted for under generally accepted accounting principles as sales of the automobile contracts or as secured financings. All of our active securitizations are structured as secured financings.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">When structured to be treated as a secured financing for accounting purposes, the subsidiary is consolidated with us. Accordingly, the sold automobile contracts and the related debt appear as assets and liabilities, respectively, on our consolidated balance sheet. We then periodically (i) recognize interest and fee income on the contracts, and (ii) recognize interest expense on the securities issued in the transaction. For automobile contracts acquired after 2017 we take account of estimated credit losses in our computation of a level yield used to determine recognition of interest on the contracts. For contracts acquired before 2018, we adopted CECL on January 1, 2020, and we may, as circumstances warrant, record or reverse expense provisions for credit losses.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Since 1994 we have conducted 110 term securitizations of automobile contracts that we originated. As of September 30, 2026, 19 of those securitizations are active and all are structured as secured financings. We generally conduct our securitizations on a quarterly basis, near the beginning of each calendar quarter, resulting in four securitizations per calendar year.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Our recent history of term securitizations is summarized in the table below:</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><b>Recent Asset-Backed Term Securitizations</b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 79%; margin-right: auto"> <tr style="vertical-align: bottom"> <td> </td><td style="font-style: italic; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-style: italic; text-align: center">$ in thousands</td><td style="padding-bottom: 1pt; font-style: italic"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Period</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Number of Term Securitizations</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Receivables Pledged in Term Securitizations</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 45%; text-align: center">2020</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 13%; text-align: center">4</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">741,867</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: center">2021</td><td> </td> <td style="text-align: left"> </td><td style="text-align: center">3</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">1,145,002</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: center">2022</td><td> </td> <td style="text-align: left"> </td><td style="text-align: center">4</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">1,537,383</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: center">2023</td><td> </td> <td style="text-align: left"> </td><td style="text-align: center">4</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">1,352,114</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: center">2024</td><td> </td> <td style="text-align: left"> </td><td style="text-align: center">4</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">1,533,854</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: center">2025</td><td> </td> <td style="text-align: left"> </td><td style="text-align: center">4</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">1,727,785</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: center">Nine months ended September 30, 2026</td><td> </td> <td style="text-align: left"> </td><td style="text-align: center">3</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">1,613,347</td><td style="text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Generally, prior to a securitization transaction we fund our automobile contract purchases primarily with proceeds from warehouse credit facilities. As of September 30, 2026 our short-term funding capacity was $898.0 million over two credit facilities. The first credit facility was established in May 2012.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">On October 9, 2026, we amended our two-year revolving credit agreement with Capital One, N.A. to increase the capacity of the facility. The amendment applies to both Capital One, N.A. and the subordinate lender, and increases the total capacity of the facility from $390 million to $518 million. This facility has a two-year revolving period to October 2027, with an optional amortization period through April 2029.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">In a securitization and in our warehouse credit facilities, we are required to make certain representations and warranties, which are generally similar to the representations and warranties made by dealers in connection with our purchase of the automobile contracts. If we breach any of our representations or warranties, we may be required to repurchase the automobile contract at a price equal to the principal balance plus accrued and unpaid interest. We may then be entitled under the terms of our dealer agreement to require the selling dealer to repurchase the contract at a price equal to our purchase price, less any principal payments made by the customer. Subject to any recourse against dealers, we will bear the risk of loss on repossession and resale of vehicles under automobile contracts that we repurchase.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">In a securitization, the related special purpose subsidiary may be unable to release excess cash to us if the credit performance of the securitized automobile contracts falls short of pre-determined standards. Such releases represent a material portion of the cash that we use to fund our operations. An unexpected deterioration in the performance of securitized automobile contracts could therefore have a material adverse effect on both our liquidity and results of operations.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">In addition, from time to time, we have also completed financings of our residual interests in other securitizations that we and our affiliates previously sponsored. Most recently, in August 2026, we completed an $80 million securitization of residual interests from previously issued securitizations. In this transaction, a qualified institutional buyer purchased $80.0 million of asset-backed notes. The notes are secured by residual interests in four CPS securitizations issued between April 2022 and April 2023, as well as an 80% interest in a CPS affiliate that owns the residual interests in three CPS securitizations issued between July 2023 and April 2026. The sold notes (“2026-2 Notes”), issued by CPS Auto Securitization Trust 2026-2, consist of a single class with a coupon of 10.25%.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Receivables we originate and service for third parties are not pledged to our warehouse facilities or included in our securitizations.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b>Financial Covenants </b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-style: normal; font-weight: normal">Our warehouse credit facilities and our residual interest financings contain various financial covenants requiring certain minimum financial ratios. Such covenants include maintaining minimum levels of liquidity and net worth and not exceeding maximum leverage levels. In addition, certain securitization and non-securitization related debt contain cross-default provisions that would allow certain creditors to declare a default if a default occurred under a different facility. As of September 30, 2026 we were in compliance with all such financial covenants.</span></p> <p style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-style: normal">Results of Operations</span></p> <p style="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><i>Comparison of Operating Results for the three months ended September 30, 2026, with the three months ended September 30, 2025</i></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><span style="font-size: 10pt"><i>Revenues</i>.  During the three months ended September 30, 2026, our revenues were </span>$131.9 million<span style="font-size: 10pt">, an increase of $23.5 million, or 21.7% from the prior year revenue of 108.4 million. The primary reason for the increase in revenues is the increase in interest income resulting from the increase in the average outstanding balance of finance receivables measured at fair value. Revenues for the three months ended September 30, 2026, did not include a mark to the recorded value of the finance receivables measured at fair value. Marks are estimates based on our evaluation of the appropriate fair value and future earnings rate of existing receivables compared to recently acquired receivables and increases or decreases in our estimates of future net losses. In the current period, our re-evaluation of the fair values of these receivables resulted in no marks to finance receivables measured at fair value.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in">Interest income for the three months ended September 30, 2026, increased $21.9 million, or 20.5% to $129.1 million from $107.2 million in the prior year. The primary reason for the increase in interest income is the 22.2% increase in the average balance of our loan portfolio over the prior year period. The interest yield on our total loan portfolio decreased to 11.3% from 11.4% in the prior year period. The interest yield on receivables measured at fair value is reduced to take account of expected losses and is therefore less than the yield on other finance receivables. The table below shows the average balance and interest yield of our loan portfolio for the three months ended September 30, 2026 and 2025:</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="22" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Three Months Ended September 30,</td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2026</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2025</td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"> </td><td> </td> <td colspan="22" style="text-align: center"><b>(Dollars in thousands)</b></td><td> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Average</td><td style="font-weight: bold"> </td><td> </td> <td colspan="2"> </td><td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Interest</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Average</td><td style="font-weight: bold"> </td><td> </td> <td colspan="2"> </td><td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Interest</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Balance</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Interest</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Yield</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Balance</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Interest</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Yield</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1pt; font-weight: bold; text-align: center"><span style="text-decoration: underline">Interest Earning Assets</span></td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="font-weight: bold"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 28%; text-align: left">Loan Portfolio</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">4,576,289</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">129,082</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 9%; text-align: right">11.3%</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">3,745,325</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">107,166</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 9%; text-align: right">11.4%</td><td style="width: 1%; text-align: left"> </td></tr> </table> <p style="margin-top: 0; margin-bottom: 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Other income was $2.8 million for <span style="font-size: 10pt">the three months ended September 30, 2026, compared to $1.3 million for the comparable period in 2025. This $1.6 million increase was primarily driven by the dealer recoveries collected for the three months ending September 30, 2026. These dealer recoveries were $1.4 million for the quarter ended September 30, 2026. There were no dealer recoveries in the prior year period. The Company engaged a third party that identifies discrepancies in the values of the vehicles that have been repossessed and sold at auction. The third party attempts to collect the amount of the discrepancy from the dealers and remits the amounts collected to the Company net of fees charged. </span></p> <p style="margin: 0pt 0; text-indent: 0.25in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><i>Expenses</i>. Our operating expenses consist largely of interest expenses, employee costs, sales and general and administrative expenses. Interest expense is affected by the volume of automobile contracts we purchased during the trailing 12-month period and the use of our warehouse facilities and asset-backed securitizations to finance those contracts and on the interest rates on these facilities. Employee costs and general and administrative expenses are incurred as applications and automobile contracts are received, processed and serviced. Factors that affect margins and net income include changes in the automobile and automobile finance market environments, and macroeconomic factors such as interest rates and changes in the unemployment level.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Employee costs include base salaries, commissions and bonuses paid to employees, and certain expenses related to the accounting treatment of outstanding stock options and are one of our most significant operating expenses. These costs (other than those relating to stock options) generally fluctuate with the level of applications and automobile contracts purchased and serviced.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Other operating expenses consist largely of facilities expenses, telephone and other communication services, credit services, computer services, sales and advertising expenses, and depreciation and amortization.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Total operating expenses were $121.8 million for the three months ended September 30, 2026, compared to $101.4 million for the prior period, an increase of $20.4 million, or 20.2%. The increase is primarily due to increases in interest expense.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Employee costs were $24.9 million during the three months ended September 30, 2026, compared to $22.5 million for the same quarter in the prior year, an increase of $2.4 million, or 10.7%. The table below summarizes our employees by category as well as contract purchases and units in our managed portfolio as of, and for the three-month periods ended, September 30, 2026, and 2025.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Three Months Ended September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2026</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2025</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(Dollars in millions)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 66%; text-align: left">Contracts purchased (dollars)</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">815.3</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">391.1</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Contracts purchased (units)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">34,513</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">16,832</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Managed portfolio outstanding (dollars)</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">4,840.9</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">3,898.4</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Managed portfolio outstanding (units)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">260,125</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">220,284</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Number of Originations staff</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">200</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">180</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Number of Sales staff</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">167</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">116</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Number of Servicing staff</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">574</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">555</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 1pt">Number of other staff</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">69</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">67</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt">Total number of employees</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">1,010</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">918</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The increase in headcount within our Servicing and Origination staff throughout the three-month periods ended, September 30, 2026, were the largest contributing factors to the increase to employee costs from the three-month period ended, September 30, 2025 to September 30, 2026.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">General and administrative expenses include costs associated with purchasing and servicing our portfolio of finance receivables, including expenses for facilities, credit services, and telecommunications. General and administrative expenses were $15.6 million, an increase of $2.9 million from $12.7 million in the prior year period.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Interest expense for the three months ended September 30, 2026, was $70.5 million and represented 57.9% of total operating expenses, compared to $59.1 million in the previous year, when it was 58.3% of total operating expenses. The $11.4 million increase in interest expense compared to the prior year period was largely due to increases in the average balance of our securitization trust debt, warehouse credit line debt and residual interest financing debt.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Interest on securitization trust debt increased by $6.7 million for the three months ended September 30, 2026, compared to the prior period. The average balance of securitization trust debt increased to $3,609.0 million for the three months ended September 30, 2026, compared to $3,039.5 million for the three months ended September 30, 2025. The annualized average rate on our securitization trust debt was 6.0% for the three months ended September 30, 2026, compared to 6.3% in the prior year period. For each quarterly securitization transaction, the blended cost of funds is ultimately the result of many factors including the market interest rates for benchmark swaps of various maturities against which our bonds are priced and the margin over those benchmarks that investors are willing to accept, which in turn, is influenced by investor demand for our bonds at the time of the securitization. These and other factors have resulted in fluctuations in our securitization trust debt interest costs. The blended interest rates of our recent securitizations are summarized in the table below:</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><b>Blended Cost of Funds on Recent Asset-Backed Term Securitizations</b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <table border="0" cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; width: 62%; border-collapse: collapse; margin-right: auto"> <tr style="vertical-align: bottom; background-color: White"> <td style="border-bottom: Black 0.5pt solid; font-weight: bold; text-align: center; width: 30%">Period</td> <td style="width: 2%"> </td> <td style="border-bottom: Black 0.5pt solid; font-weight: bold; text-align: center; width: 30%">Blended Cost of Funds</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: center">January 2023</td> <td> </td> <td style="text-align: center">6.48%</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: center">April 2023</td> <td> </td> <td style="text-align: center">7.17%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: center">July 2023</td> <td> </td> <td style="text-align: center">7.13%</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: center">October 2023</td> <td> </td> <td style="text-align: center">7.89%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: center">January 2024</td> <td> </td> <td style="text-align: center">6.51%</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: center">April 2024</td> <td> </td> <td style="text-align: center">6.69%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: center">June 2024</td> <td> </td> <td style="text-align: center">6.56%</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: center">September 2024</td> <td> </td> <td style="text-align: center">5.52%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: center">January 2025</td> <td> </td> <td style="text-align: center">5.88%</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: center">May 2025</td> <td> </td> <td style="text-align: center">5.96%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: center">July 2025</td> <td> </td> <td style="text-align: center">5.43%</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: center">October 2025</td> <td> </td> <td style="text-align: center">5.72%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: center">January 2026</td> <td> </td> <td style="text-align: center">5.18%</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: center">April 2026</td> <td style="text-align: center"> </td> <td style="text-align: center">5.51%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: center">July 2026</td> <td style="text-align: center"> </td> <td style="text-align: center">5.90%</td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Interest expense on warehouse credit line debt increased by $3.5 million to $10.3 million for the three months ended September 30, 2026, compared to $6.7 million in the prior year period. The increase was primarily due to the higher utilization of our credit lines during the quarter compared to last year. The average balance of our warehouse debt was $510.9 million during the three months ended September 30, 2026, compared to $284.6 million for the same period in 2025. The annualized average rate on our credit line debt was 8.0% for the three months ended September 30, 2026, compared to 9.4% in the prior year period.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Interest expense on subordinated renewable notes was $673,000 for the three months ended September 30, 2026. The average balance of the outstanding subordinated debt was $28.7 million for the three months September 30, 2026, compared to $29.0 million for the prior year period. The average yield of subordinated notes is 9.4% for the three months ended September 30, 2026, compared to 10.0% in the prior year period.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">In June 2021, March 2024, March 2025, March 2026, and again in August 2026, we completed a securitization of residual interests from other previously issued securitizations in the amount of $50 million, $50 million, $65 million, $50 million, and $80 million, respectively. Interest expense for these residual interest financings was $5.3 million for the three months ended September 30, 2026, compared to $4.1 million for the same period in 2025.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The following table presents the components of interest income and interest expense and a net interest yield analysis for the three-month periods ended September 30, 2026, and 2025:</p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; text-align: left"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="22" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Three Months Ended September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2026</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2025</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"> </td><td> </td> <td colspan="22" style="text-align: center"><b>(Dollars in thousands)</b></td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"> </td><td> </td> <td colspan="2"> </td><td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Annualized</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Annualized</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Average</td><td style="font-weight: bold"> </td><td> </td> <td colspan="2"> </td><td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Average</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Average</td><td style="font-weight: bold"> </td><td> </td> <td colspan="2"> </td><td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Average</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Balance (1)</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Interest</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Yield/Rate</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Balance (1)</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Interest</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Yield/Rate</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-decoration: underline; font-weight: bold; text-align: center">Interest Earning Assets</td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 22%; text-align: left">Loan Portfolio</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">4,576,289</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">129,082</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 10%; text-align: right">11.3%</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">3,745,325</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">107,166</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 10%; text-align: right">11.4%</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-decoration: underline; font-weight: bold; text-align: center">Interest Bearing Liabilities</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Warehouse lines of credit</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">510,927</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">10,253</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8.0%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">284,638</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6,710</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">9.4%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Residual interest financing</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">157,775</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,324</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">13.5%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">165,000</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,085</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">9.9%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Securitization trust debt</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,609,043</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">54,269</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6.0%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,039,536</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">47,581</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6.3%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Subordinated renewable notes</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">28,656</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">673</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt; text-align: right">9.4%</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">28,976</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">722</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt; text-align: right">10.0%</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 2.5pt"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">4,306,401</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt; text-align: right">70,519</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt; text-align: right">6.6%</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">3,518,150</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt; text-align: right">59,098</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt; text-align: right">6.7%</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Net interest income/spread</td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt; text-align: right"> </td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">58,563</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt; text-align: right"> </td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt; text-align: right"> </td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">48,068</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt; text-align: right"> </td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Net interest spread</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4.7%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4.7%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -10pt; padding-left: 10pt">Ratio of average interest earning assets to average interest bearing liabilities</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">106%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">106%</td><td style="text-align: left"> </td></tr> </table> <p style="margin: 0"> </p> <table border="0" cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td style="width: 3%"> </td> <td style="width: 3%">(1)</td> <td style="width: 94%">Average balances are based on month end balances except for warehouse lines of credit, which are based on daily balances.</td></tr> </table> <p style="margin: 0"> </p> <p style="margin: 0"> </p> <p style="margin: 0"> </p> <p style="margin: 0"></p> <p style="margin: 0"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="10" style="font-weight: bold; text-align: center">Three Months Ended September 30, 2026</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Compared to September 30, 2025</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Total</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Change Due</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Change Due</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Change</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">to Volume</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">to Rate</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="10" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 1pt; font-weight: bold; text-align: center"><span style="text-decoration: underline">Interest Earning Assets</span></td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 58%; text-align: left">Loan Portfolio</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">21,916</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">23,060</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">(1,144</td><td style="width: 1%; text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-decoration: underline; font-weight: bold; text-align: center">Interest Bearing Liabilities</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Warehouse lines of credit</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,543</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,331</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(1,788</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Residual interest financing</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,239</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(181</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,420</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Securitization trust debt</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6,688</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">9,395</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(2,707</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Subordinated renewable notes</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(49</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(6</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(43</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">11,421</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">14,539</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(3,118</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Net interest income/spread</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">10,495</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">8,521</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,974</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Under the fair value method of accounting, we recognize interest income net of expected credit losses. Thus, no provision for credit loss expense is recorded for finance receivables measured at fair value. Finance receivables acquired before 2018 are recorded at cost, and both their total balance and activity is immaterial.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Sales expenses consist primarily of commission-based compensation paid to our employee sales representatives. Our sales representatives earn a salary plus commission based on volume of contract purchases. Sales expense increased by $3.5 to $9.1 million during the three months ended September 30, 2026, from $5.7 million for the same quarter in 2025. We purchased $815.3 million of new contracts during the three months ended September 30, 2026, compared to $391.1 million in the prior year period.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Occupancy expenses were $1.5 million for the three months ending September 30, 2026, which is up from $1.2 million in the third quarter of 2025.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Depreciation and amortization expenses increased to $265,000 compared to $207,000 in the previous year.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">For the three months ended September 30, 2026, we recorded income tax expense of $3.1 million, representing a 31% effective tax rate. In the prior period, our income tax expense was $2.2 million, representing a 31% effective tax rate.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Comparison of Operating Results for the nine months ended September 30, 2026 with the nine months ended September 30, 2025</p> <p style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><i>Revenues</i>. During the nine months ended September 30, 2026, our revenues were $365.6 million, an increase of $40.6 million, or 12.5% from the prior year revenue of $325.1 million. The primary reason for the increase in revenues is the increase in interest income resulting from the increase in the average outstanding balance of finance receivables measured at fair value. Revenues for the nine months ended September 30, 2026, did not include a mark to the recorded value of the finance receivables measured at fair value. The marks are estimates based on our evaluation of the appropriate fair value and future earnings rate of existing receivables compared to recently acquired receivables and increases or decreases in our estimates of future net losses. In the current period, our re-evaluation of the fair values of these receivables resulted in no marks to finance receivables measured at fair value. There was a $6.5 million mark up to the fair value portfolio in the prior year period.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in">Interest income for the nine months ended September 30, 2026 increased $41.5 million, or 13.2%, to $355.9 million from $314.5 million in the prior year. The primary reason for the increase in interest income is the 14.7% increase in the average balance of our loan portfolio over the prior year period. The interest yield on our total loan portfolio decreased from 11.4% in the prior year to 11.3% in the current year period. The interest yield on receivables measured at fair value is reduced to take account of expected losses and is therefore less than the yield on other finance receivables. The table below shows the average balance and interest yield of our loan portfolio for the nine months ended September 30, 2026 and 2025:</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="22" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Nine Months Ended September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2026</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2025</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"> </td><td> </td> <td colspan="22" style="text-align: center"><b>(Dollars in thousands)</b></td><td> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Average</td><td style="font-weight: bold"> </td><td> </td> <td colspan="2"> </td><td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Interest</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Average</td><td style="font-weight: bold"> </td><td> </td> <td colspan="2"> </td><td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Interest</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Balance</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Interest</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Yield</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Balance</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Interest</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Yield</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Interest Earning Assets</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 22%; text-align: left">Loan Portfolio</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">4,205,328</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">355,915</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 10%; text-align: right">11.3%</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">3,666,975</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">314,462</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 10%; text-align: right">11.4%</td><td style="width: 1%; text-align: left"> </td></tr> </table> <p style="margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in">Other income was $9.7 million for <span style="font-size: 10pt">the nine months ended September 30, 2026 compared to $4.1 million for the comparable period in 2025. This $5.6 million increase was primarily driven by the dealer recoveries collected for the nine months ended September 30, 2026. These dealer recoveries were $4.0 million for the nine months ended September 30, 2026. There were no dealer recoveries in the prior year period. </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><i>Expenses</i>.  Our operating expenses consist largely of interest expense, employee costs, sales and general and administrative expenses. Interest expense is significantly affected by the volume of automobile contracts we purchased during the trailing 12-month period and the use of our warehouse facilities and asset-backed securitizations to finance those contracts. Employee costs and general and administrative expenses are incurred as applications and automobile contracts are received, processed and serviced. Factors that affect profit margins and net income include changes in the automobile and automobile finance market environments, and macroeconomic factors such as interest rates and changes in the unemployment level.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Employee costs include base salaries, commissions and bonuses paid to employees, and certain expenses related to the accounting treatment of outstanding stock options and are one of our most significant operating expenses. These costs (other than those relating to stock options) generally fluctuate with the level of applications and automobile contracts purchased and serviced.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Other operating expenses consist largely of facilities expenses, telephone and other communication services, credit services, computer services, sales and advertising expenses, and depreciation and amortization.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Total operating expenses were $338.5 million for the nine months ended September 30, 2026, compared to $304.3 million for the prior period, an increase of $34.2 million, or 11.2%. The increase is primarily due to increases in interest expense. To a lesser extent, increases in sales expense also contributed to the increase in operating expenses during the period.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Employee costs were $71.3 million during the nine months ended September 30, 2026 compared to $71.9 million for the same period in the prior year. The table below summarizes our employees by category as well as contract purchases and units in our managed portfolio as of, and for the nine-month periods ended, September 30, 2026 and 2025:</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Nine Months Ended September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2026</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2025</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(Dollars in millions)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 66%; text-align: left">Contracts purchased (dollars)</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">2,106.2</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">1,275.3</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Contracts purchased (units)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">91,289</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">56,861</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Managed portfolio outstanding (dollars)</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">4,840.9</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">3,898.4</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Managed portfolio outstanding (units)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">260,125</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">220,284</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Number of Originations staff</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">200</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">180</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Number of Sales staff</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">167</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">116</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Number of Servicing staff</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">574</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">555</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 1pt">Number of other staff</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">69</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">67</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt">Total number of employees</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">1,010</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">918</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The increase in headcount within our Servicing and Originations staff throughout the nine-month periods ended, September 30, 2026, and the decrease in the average employee cost of our Servicing staff from September 30, 2025, were the largest contributing factors to the increase in headcount and decrease to employee costs from the nine-month period ended, September 30, 2025 to September 30, 2026.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">General and administrative expenses include costs associated with purchasing and servicing our portfolio of finance receivables, including expenses for facilities, credit services, and telecommunications. General and administrative expenses were $43.1 million for the nine months ended September 30, 2026, an increase of $5.5 from $37.7 million in the prior year period.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Interest expense for the nine months ended September 30, 2026 was $194.8 million, compared to $172.7 million in the previous year, an increase of $22.1 million.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Interest on securitization trust debt increased by $14.9 million for the nine months ended September 30, 2026 compared to the prior period. The average balance of securitization trust debt increased to $3,336.2 million for the nine months ended September 30, 2026 compared to $2,904.4 million for the nine months ended September 30, 2025. The annualized average rate on our securitization trust debt was 6.1% for the nine months ended September 30, 2026 compared to 6.3% in the prior year period. For each quarterly securitization transaction, the blended cost of funds is ultimately the result of many factors including the market interest rates for benchmark swaps of various maturities against which our bonds are priced and the margin over those benchmarks that investors are willing to accept, which in turn, is influenced by investor demand for our bonds at the time of the securitization. These and other factors have resulted in fluctuations in our securitization trust debt interest costs. The blended interest rates of our recent securitizations are summarized in the table below:</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><b>Blended Cost of Funds on Recent Asset-Backed Term Securitizations</b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <table border="0" cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; width: 62%; border-collapse: collapse; margin-right: auto"> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 0.5pt solid; font-weight: bold; text-align: center; width: 30%">Period</td> <td style="width: 2%"> </td> <td style="border-bottom: Black 0.5pt solid; font-weight: bold; text-align: center; width: 30%">Blended Cost of Funds</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: center">January 2023</td> <td> </td> <td style="text-align: center">6.48%</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: center">April 2023</td> <td> </td> <td style="text-align: center">7.17%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: center">July 2023</td> <td> </td> <td style="text-align: center">7.13%</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: center">October 2023</td> <td> </td> <td style="text-align: center">7.89%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: center">January 2024</td> <td> </td> <td style="text-align: center">6.51%</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: center">April 2024</td> <td> </td> <td style="text-align: center">6.69%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: center">June 2024</td> <td> </td> <td style="text-align: center">6.56%</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: center">September 2024</td> <td> </td> <td style="text-align: center">5.52%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: center">January 2025</td> <td> </td> <td style="text-align: center">5.88%</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: center">May 2025</td> <td> </td> <td style="text-align: center">5.96%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: center">July 2025</td> <td> </td> <td style="text-align: center">5.43%</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: center">October 2025</td> <td> </td> <td style="text-align: center">5.72%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: center">January 2026</td> <td> </td> <td style="text-align: center">5.18%</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: center">April 2026</td> <td style="text-align: center"> </td> <td style="text-align: center">5.51%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: center">July 2026</td> <td style="text-align: center"> </td> <td style="text-align: center">5.90%</td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Interest expense on warehouse credit line debt increased by $4.1 million to $25.6 million for the nine months ended September 30, 2026, compared to $21.4 million in the prior year period. The average balance of our warehouse debt was $411.7 million during the nine months ended September 30, 2026, compared to $304.6 million for the same period in 2025. The annualized average rate on our credit line debt was 8.3% for the nine months ended September 30, 2026, compared to 9.4% in the prior year period.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Interest expense on subordinated renewable notes was $2.0 million for the nine months ended September 30, 2026. The average balance of the outstanding subordinated debt increased by $481,000 to $28.5 million for the nine months ended September 30, 2026, compared to $28.0 million for the prior year. The average yield of subordinated notes was 9.5% in the current compare to 9.8% prior period.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">In June 2021, March 2024, March 2025, March 2026, and again in August 2026, we completed a securitization of residual interests from other previously issued securitizations in the amount of $50 million, $50 million, $65 million, $50 million, and $80 million, respectively. Interest expense on the residual interest financing was $14.2 million for the nine months ended September 30, 2026 compared to $11.0 million for the same period in 2025.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The following table presents the components of interest income and interest expense and a net interest yield analysis for the nine-month periods ended September 30, 2026 and 2025:</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="22" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Nine Months Ended September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2026</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2025</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"> </td><td> </td> <td colspan="22" style="text-align: center"><b>(Dollars in thousands)</b></td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"> </td><td> </td> <td colspan="2"> </td><td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Annualized</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Annualized</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Average</td><td style="font-weight: bold"> </td><td> </td> <td colspan="2"> </td><td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Average</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Average</td><td style="font-weight: bold"> </td><td> </td> <td colspan="2"> </td><td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Average</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Balance (1)</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Interest</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Yield/Rate</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Balance (1)</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Interest</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Yield/Rate</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-decoration: underline; font-weight: bold; text-align: center">Interest Earning Assets</td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 22%; text-align: left">Loan portfolio</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">4,205,328</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">355,916</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 10%; text-align: right">11.3%</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">3,666,975</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">314,462</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 10%; text-align: right">11.4%</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-decoration: underline; font-weight: bold; text-align: center">Interest Bearing Liabilities</td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Warehouse lines of credit</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">411,696</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">25,551</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8.3%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">304,568</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">21,439</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">9.4%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Residual interest financing</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">162,717</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">14,192</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">11.6%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">146,429</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">11,048</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">10.1%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Securitization trust debt</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,336,168</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">153,064</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6.1%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,904,437</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">138,182</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6.3%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Subordinated renewable notes</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">28,474</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">2,026</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt; text-align: right">9.5%</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">27,993</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">2,051</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt; text-align: right">9.8%</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 2.5pt"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">3,939,055</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="padding-bottom: 2.5pt; text-align: right">194,833</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt; text-align: right">6.6%</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">3,383,427</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left">$</td><td style="padding-bottom: 2.5pt; text-align: right">172,720</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt; text-align: right">6.8%</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Net interest income/spread</td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt; text-align: right"> </td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">161,083</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt; text-align: right"> </td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt; text-align: right"> </td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">141,742</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt; text-align: right"> </td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Net interest spread</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4.7%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4.6%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -10pt; padding-left: 10pt; text-align: left">Ratio of average interest earning assets to average interest bearing liabilities</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">107%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">108%</td><td style="text-align: left"> </td></tr> </table> <p style="margin: 0"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 3%"> </td> <td style="width: 3%">(1)</td> <td style="text-align: left; width: 94%">Average balances are based on month end balances except for warehouse lines of credit, which are based on daily balances</td> </tr> </table> <p style="margin: 0"> </p> <p style="margin: 0"> </p> <p style="margin: 0"> </p> <p style="margin: 0"></p> <p style="margin: 0"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="10" style="text-align: center"><b>Nine Months Ended September 30, 2026</b></td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1pt; text-align: center"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; text-align: center"><b>Compared to September 30, 2025</b></td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Total</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Change Due</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Change Due</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Change</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">to Volume</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">to Rate</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="10" style="font-weight: bold; text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-decoration: underline; font-weight: bold; text-align: center">Interest Earning Assets</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 49%; text-align: left">Loan portfolio</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">41,454</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">47,737</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">(6,283</td><td style="width: 1%; text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-decoration: underline; font-weight: bold; text-align: center">Interest Bearing Liabilities</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Warehouse lines of credit</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,112</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8,685</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(4,572</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Residual interest financing</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,144</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">591</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,553</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Securitization trust debt</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">14,882</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">22,426</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(7,544</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 1pt">Subordinated renewable notes</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(25</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">55</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(80</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">22,113</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">31,756</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(9,643</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt">Net interest income/spread</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">19,341</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">15,981</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">3,360</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Sales expenses consist primarily of commission-based compensation paid to our employee sales representatives. Our sales representatives earn a salary plus commissions based on volume of contract purchases. Sales expense increased to $24.0 million during the nine months ended September 30, 2026 from $17.3 million in the same period in 2025. We purchased $2,106.2 million of new contracts during the nine months ended September 30, 2026 compared to $1,275.3 million in the prior year period.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Occupancy expenses was $4.4 million for the nine months ending September 30, 2026, which is up from $4.0 million for the same period in 2025.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Depreciation and amortization expenses increased to $739,000 compared to $705,000 in the previous year.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">For the nine months ended September 30, 2026, we recorded income tax expense of $8.4 million, representing a 31% effective tax rate. In the prior period, our income tax expense was $6.4 million, representing a 31% effective tax rate.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <p style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b>Credit Experience </b></p> <p style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Our financial results are dependent on the performance of the automobile contracts in which we retain an ownership interest. Broad economic factors such as recession and significant changes in unemployment levels influence the credit performance of our portfolio, as does the weighted average age of the receivables at any given time. The tables below document the delinquency, repossession and net credit loss experience of all such automobile contracts that we originated or own an interest in as of the respective dates shown.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Delinquency, Repossession and Extension Experience (1)</p> <p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Total Managed Portfolio (Excludes Third Party Portfolio)</p> <p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30, 2026</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30, 2025</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2025</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Number of</td><td style="font-weight: bold"> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Number of</td><td style="font-weight: bold"> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Number of</td><td style="font-weight: bold"> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Contracts</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Amount</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Contracts</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Amount</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Contracts</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Amount</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="22" style="font-weight: bold; text-align: center">(Dollars in thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="font-weight: bold; font-style: italic; text-align: left">Delinquency Experience</td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 28%; text-align: left">Gross servicing portfolio (1)</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 9%; text-align: right">252,657</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">4,711,049</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 9%; text-align: right">212,509</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">3,760,315</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 9%; text-align: right">212,718</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">3,778,647</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>Period of delinquency (2)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">.</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 10pt">31-60 days</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">16,392</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">298,060</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">14,498</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">247,940</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">15,639</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">272,499</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-left: 10pt">61-90 days</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">7,291</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">125,033</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6,924</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">111,396</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">7,163</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">118,304</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 10pt">91+ days</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">3,856</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">57,406</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">4,057</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">58,672</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">3,806</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">56,223</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Total delinquencies (2)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">27,539</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">480,498</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">25,479</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">418,008</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">26,608</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">447,026</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Amount in repossession (3)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">6,547</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">98,671</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">7,173</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">106,907</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">7,462</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">111,152</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt; text-indent: -10pt; padding-left: 10pt">Total delinquencies and amount in repossession (2)</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">34,086</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">579,169</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">32,652</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">524,915</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">34,070</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">558,178</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; text-indent: -10pt; padding-left: 10pt">Delinquencies as a percentage of gross servicing portfolio</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">10.90%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">10.20%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">11.99%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">11.12%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">12.51%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">11.83%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">.</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; text-indent: -10pt; padding-left: 10pt">Total delinquencies and amount in repossession as a percentage of gross servicing portfolio</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">13.49%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">12.29%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">15.36%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">13.96%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">16.02%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">14.77%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="font-weight: bold; font-style: italic; text-align: left">Extension Experience</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -10pt; padding-left: 10pt">Contracts with one extension, accruing</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">38,681</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">722,408</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">36,628</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">674,431</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">38,496</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">714,015</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -10pt; padding-left: 10pt">Contracts with two or more extensions, accruing</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">61,563</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,032,423</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">50,593</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">794,733</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">53,041</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">850,629</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">100,244</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,754,831</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">87,221</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,469,164</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">91,537</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,564,644</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -10pt; padding-left: 10pt">Contracts with one extension, non-accrual (4)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,968</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">29,606</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,034</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">45,617</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,008</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">45,848</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -10pt; padding-left: 10pt">Contracts with two or more extensions, non-accrual (4)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">5,357</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">78,818</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">5,183</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">75,779</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">5,285</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">77,351</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">7,325</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">108,424</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">8,217</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">121,396</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">8,293</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">123,199</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt">Total contracts with extensions</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">107,569</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,863,255</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">95,438</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,590,560</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">99,830</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,687,843</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; text-align: left">____________________________________</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><i>(1) All amounts and percentages are based on the amount remaining to be repaid on each automobile contract. The information in the table represents the gross principal amount of all automobile contracts we have purchased, including automobile contracts subsequently sold in securitization transactions that we continue to service. The table does not include certain contracts we have serviced for third parties on which we earn servicing fees only and have no credit risk. </i></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><i>(2) We consider an automobile contract delinquent when an obligor fails to make at least 90% of a contractually due payment by the following due date, which date may have been extended within limits specified in the Servicing Agreements. The period of delinquency is based on the number of days payments are contractually past due. Automobile contracts less than 31 days delinquent are not included. The delinquency aging categories shown in the tables reflect the effect of extensions.</i></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><i>(3) Amount in repossession represents financed vehicles that have been repossessed but not yet liquidated.</i></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><i>(4) Amount in repossession and accounts past due more than 90 days are on non-accrual.</i></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><b>Net Charge-Off Experience (1)</b></p> <p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><b>Total Managed Portfolio (Excludes Third Party Portfolio)</b></p> <p style="margin: 0"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="10" style="font-weight: bold; text-align: center">Finance Receivables Portfolio</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">September 30,</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">September 30,</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">December 31,</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2026</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2025</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2025</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="10" style="font-weight: bold; text-align: center">(Dollars in thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 49%; text-align: left">Average servicing portfolio outstanding</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">4,576,289</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">3,745,325</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">3,693,796</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Annualized net charge-offs as a percentage of</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">average servicing portfolio (2)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">7.26%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8.01%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">7.76%</td><td style="text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><i>_________________________</i></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><i>(1) All amounts and percentages are based on the principal amount scheduled to be paid on each automobile contract. </i></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><i>(2) Net charge-offs include the remaining principal balance, after the application of the net proceeds from the liquidation of the vehicle (excluding accrued and unpaid interest) and amounts collected subsequent to the date of charge-off, including some recoveries which have been classified as other income in the accompanying interim consolidated financial statements. September 30, 2026, and September 30, 2025, percentages represent three months ended September 30, 2026, and September 30, 2025, annualized. December 31, 2025, represents 12 months ended December 31, 2025.</i></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b>Extensions</b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">In certain circumstances we will grant obligors one-month payment extensions to assist them with temporary cash flow problems. In general, an obligor will not be permitted more than two such extensions in any 12-month period and no more than eight over the life of the contract. The only modification of terms is to advance the obligor’s next due date, generally by one month, though in some cases we may permit a longer extension, and in any case an advance in the maturity date corresponding to the advance of the due date. There are no other concessions such as a reduction in interest rate, forgiveness of principal or of accrued interest. Accordingly, we consider such extensions to be insignificant delays in payments.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-weight: normal">The basic question in deciding to grant an extension is whether or not we will (a) be delaying the inevitable repossession and liquidation or (b) risk losing the vehicle as a result of not being able to locate the obligor and vehicle. In both of those situations, the loss would likely be higher than if the vehicle had been repossessed without the extension. The benefits of granting an extension include minimizing current losses and delinquencies, minimizing lifetime losses, getting the obligor’s account current (or close to it) and building goodwill so that the obligor might prioritize us over other creditors on future payments. Our servicing staff are trained to identify when a past due obligor is facing a temporary problem that may be resolved with an extension. In some cases, the extension will be granted in conjunction with our receiving all or a portion of a past due payment from the obligor, thereby indicating an additional monetary and psychological commitment to the contract on the obligor’s part.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The credit assessment for granting an extension is initially made by our collector, who bases the recommendation on the collector’s discussions with the obligor. In such assessments the collector will consider, among other things, the following factors: (1) the reason the obligor has fallen behind in payments; (2) whether or not the reason for the delinquency is temporary, and if it is, have conditions changed such that the obligor can begin making regular monthly payments again after the extension; (3) the obligor’s past payment history, including past extensions if applicable; and (4) the obligor’s willingness to communicate and cooperate on resolving the delinquency. If the collector believes the obligor is a good candidate for an extension, he must obtain approval from his supervisor, who will review the same factors stated above prior to offering the extension to the obligor. During 2020 we incorporated an algorithmic extension score card which provides our staff with an objective and quantitative assessment of whether or not a obligor is a good candidate for an extension, based on the current circumstances of the account. The extension score card was developed by our internal risk management team and is derived from the post-extension performance of accounts in our managed portfolio.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">After receiving an extension, an account remains subject to our normal policies and procedures for interest accrual, reporting delinquency and recognizing charge-offs. We believe that a prudent extension program is an integral component to mitigating losses in our portfolio of sub-prime automobile receivables. The table below summarizes the status, as of September 30, 2026, for accounts that received extensions from 2014 through 2025:</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; text-align: center">Period of Extension</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: center"># Extensions Granted</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: center">Active or Paid Off at September 30, 2026</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: center">% Active or Paid Off at September 30, 2026</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: center">Charged Off &gt; 6 Months After Extension</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: center">% Charged Off &gt; 6 Months After Extension</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: center">Charged Off &lt;= 6 Months After Extension</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: center">% Charged Off &lt;= 6 Months After Extension</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: center">Avg Months to Charge Off Post Extension</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: center"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 11%; text-align: center">2014</td><td style="width: 1%"> </td> <td style="width: 11%; text-align: right">25,773</td><td style="width: 1%"> </td> <td style="width: 10%; text-align: right">10,417</td><td style="width: 1%"> </td> <td style="width: 10%; text-align: right">40.4%</td><td style="width: 1%"> </td> <td style="width: 10%; text-align: right">14,486</td><td style="width: 1%"> </td> <td style="width: 10%; text-align: right">56.2%</td><td style="width: 1%"> </td> <td style="width: 10%; text-align: right">870</td><td style="width: 1%"> </td> <td style="width: 10%; text-align: right">3.4%</td><td style="width: 1%"> </td> <td style="width: 10%; text-align: right">25</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: center"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: center">2015</td><td> </td> <td style="text-align: right">53,319</td><td> </td> <td style="text-align: right">21,929</td><td> </td> <td style="text-align: right">41.1%</td><td> </td> <td style="text-align: right">30,059</td><td> </td> <td style="text-align: right">56.4%</td><td> </td> <td style="text-align: right">1,331</td><td> </td> <td style="text-align: right">2.5%</td><td> </td> <td style="text-align: right">26</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: center"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: center">2016</td><td> </td> <td style="text-align: right">80,897</td><td> </td> <td style="text-align: right">34,901</td><td> </td> <td style="text-align: right">43.1%</td><td> </td> <td style="text-align: right">43,019</td><td> </td> <td style="text-align: right">53.2%</td><td> </td> <td style="text-align: right">2,977</td><td> </td> <td style="text-align: right">3.7%</td><td> </td> <td style="text-align: right">26</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: center"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: center">2017</td><td> </td> <td style="text-align: right">133,847</td><td> </td> <td style="text-align: right">54,577</td><td> </td> <td style="text-align: right">40.8%</td><td> </td> <td style="text-align: right">68,434</td><td> </td> <td style="text-align: right">51.1%</td><td> </td> <td style="text-align: right">10,836</td><td> </td> <td style="text-align: right">8.1%</td><td> </td> <td style="text-align: right">23</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: center"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: center">2018</td><td> </td> <td style="text-align: right">121,531</td><td> </td> <td style="text-align: right">55,466</td><td> </td> <td style="text-align: right">45.6%</td><td> </td> <td style="text-align: right">53,892</td><td> </td> <td style="text-align: right">44.3%</td><td> </td> <td style="text-align: right">12,173</td><td> </td> <td style="text-align: right">10.0%</td><td> </td> <td style="text-align: right">21</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: center"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: center">2019</td><td> </td> <td style="text-align: right">71,548</td><td> </td> <td style="text-align: right">40,260</td><td> </td> <td style="text-align: right">56.3%</td><td> </td> <td style="text-align: right">23,382</td><td> </td> <td style="text-align: right">32.7%</td><td> </td> <td style="text-align: right">7,906</td><td> </td> <td style="text-align: right">11.0%</td><td> </td> <td style="text-align: right">20</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: center"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: center">2020</td><td> </td> <td style="text-align: right">83,170</td><td> </td> <td style="text-align: right">53,344</td><td> </td> <td style="text-align: right">64.1%</td><td> </td> <td style="text-align: right">25,576</td><td> </td> <td style="text-align: right">30.8%</td><td> </td> <td style="text-align: right">4,250</td><td> </td> <td style="text-align: right">5.1%</td><td> </td> <td style="text-align: right">24</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: center"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: center">2021</td><td> </td> <td style="text-align: right">47,010</td><td> </td> <td style="text-align: right">30,811</td><td> </td> <td style="text-align: right">65.5%</td><td> </td> <td style="text-align: right">14,963</td><td> </td> <td style="text-align: right">31.8%</td><td> </td> <td style="text-align: right">1,236</td><td> </td> <td style="text-align: right">2.6%</td><td> </td> <td style="text-align: right">25</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: center"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: center">2022</td><td> </td> <td style="text-align: right">56,142</td><td> </td> <td style="text-align: right">32,944</td><td> </td> <td style="text-align: right">58.7%</td><td> </td> <td style="text-align: right">21,244</td><td> </td> <td style="text-align: right">37.8%</td><td> </td> <td style="text-align: right">1,954</td><td> </td> <td style="text-align: right">3.5%</td><td> </td> <td style="text-align: right">22</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: center"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: center">2023</td><td> </td> <td style="text-align: right">83,113</td><td> </td> <td style="text-align: right">47,330</td><td> </td> <td style="text-align: right">56.9%</td><td> </td> <td style="text-align: right">32,524</td><td> </td> <td style="text-align: right">39.1%</td><td> </td> <td style="text-align: right">3,259</td><td> </td> <td style="text-align: right">3.9%</td><td> </td> <td style="text-align: right">19</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: center"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: center">2024</td><td> </td> <td style="text-align: right">90,484</td><td> </td> <td style="text-align: right">61,296</td><td> </td> <td style="text-align: right">67.7%</td><td> </td> <td style="text-align: right">26,547</td><td> </td> <td style="text-align: right">29.3%</td><td> </td> <td style="text-align: right">2,641</td><td> </td> <td style="text-align: right">2.9%</td><td> </td> <td style="text-align: right">15</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: center"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: right"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: center">2025</td><td> </td> <td style="text-align: right">110,200</td><td> </td> <td style="text-align: right">92,466</td><td> </td> <td style="text-align: right">83.9%</td><td> </td> <td style="text-align: right">13,959</td><td> </td> <td style="text-align: right">12.7%</td><td> </td> <td style="text-align: right">3,775</td><td> </td> <td style="text-align: right">3.4%</td><td> </td> <td style="text-align: right">9</td></tr> </table> <p style="margin: 0pt 0; font-size: 10pt">______________________</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><i>Note: Table excludes extensions on portfolios serviced for third parties</i></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">We view these results as a confirmation of the effectiveness of our extension program. We consider accounts that have had extensions and were active or paid off as of September 30, 2026, to be successful. Successful extensions result in continued payments of interest and principal (including payment in full in many cases). Without extension, however, the account may have defaulted, and we would have likely incurred a substantial loss and no additional interest revenue.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">For extension accounts that ultimately charged off, we consider accounts that charged off more than six months after the extension to be at least partially successful. In such cases, despite the ultimate loss, we received additional payments of principal and interest that otherwise we would not have received.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-weight: normal">Additional information about our extensions is provided in the tables below:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center">Three Months Ended September 30,</td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center">Three Months Ended September 30,</td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center">Year Ended December 31,</td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center">2026</td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center">2025</td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center">2025</td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 49%">Average number of extensions granted per month</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 13%; text-align: right">11,378</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 13%; text-align: right">9,409</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 13%; text-align: right">9,183</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>Average number of outstanding accounts</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">247,045</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">212,219</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">210,100</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>Average monthly extensions as % of average outstandings</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4.6%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4.4%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4.4%</td><td style="text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">____________________</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><i>Note: Table excludes portfolios originated and owned by third parties</i></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><i></i></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td> </td><td style="padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; text-align: center">September 30, 2026</td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; text-align: center">September 30, 2025</td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; text-align: center">December 31, 2025</td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center">Number of Contracts</td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center">Amount</td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center">Number of Contracts</td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center">Amount</td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center">Number of Contracts</td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center">Amount</td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="6" style="text-align: center">(Dollars in thousands)</td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 28%; text-align: left">Contracts with one extension</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 9%; text-align: right">40,649</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">752,014</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 9%; text-align: right">39,662</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">720,048</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 9%; text-align: right">41,504</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">759,863</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Contracts with two extensions</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">26,116</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">468,989</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">23,521</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">404,496</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">24,171</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">421,363</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Contracts with three extensions</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">16,775</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">288,481</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">14,574</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">236,989</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">14,963</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">246,175</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Contracts with four extensions</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">10,751</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">172,805</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8,828</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">134,431</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">9,490</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">146,777</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Contracts with five extensions</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">7,136</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">106,334</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,199</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">65,084</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,754</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">77,884</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Contracts with six extensions</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">6,142</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">74,632</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">3,654</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">29,513</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">3,948</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">35,781</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 2.5pt"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">107,569</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,863,255</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">95,438</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,590,561</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">99,830</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,687,843</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Owned portfolio</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">252,657</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">4,711,049</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">212,509</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">3,760,315</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">212,718</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">3,778,647</td><td style="text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">___________________</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><i>Note: Table excludes portfolios originated and owned by third parties</i></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b>Non-Accrual Receivables</b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">It is not uncommon for our obligors to fall behind in their payments. However, with the diligent efforts of our servicing staff and systems for managing our collection efforts, we regularly work with our customers to resolve delinquencies. Our staff is trained to employ a counseling approach to assist our customers with their cash flow management skills and help them to prioritize their payment obligations to avoid losing their vehicle to repossession. Through our experience, we have learned that once a contract becomes greater than 90 days past due, it is more likely than not that the delinquency will not be resolved and will ultimately result in a charge-off. Contracts originated since January 2018 are accounted for at fair value and the economic impact of late payments is incorporated into the estimated net yield on those contracts.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b>Liquidity and Capital Resources </b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-weight: normal">Our business requires substantial cash to support our purchases of automobile contracts and other operating activities. Our primary sources of cash have been cash flows from the proceeds from term securitization transactions and other sales of automobile contracts, amounts borrowed under various revolving credit facilities (also sometimes known as warehouse credit facilities), customer payments of principal and interest on finance receivables, fees for origination of automobile contracts, and releases of cash from securitization transactions and their related spread accounts. Our primary uses of cash have been the purchases of automobile contracts, repayment of amounts borrowed under lines of credit, securitization transactions and otherwise, operating expenses such as employee, interest, occupancy expenses and other general and administrative expenses, the establishment of spread accounts and initial overcollateralization, if any, the increase of credit enhancement to required levels in securitization transactions, and income taxes. There can be no assurance that internally generated cash will be sufficient to meet our cash demands. The sufficiency of internally generated cash will depend on the performance of securitized pools (which determines the level of releases from those pools and their related spread accounts), the rate of expansion or contraction in our managed portfolio, and the terms upon which we are able to acquire and borrow against automobile contracts.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Net cash provided by operating activities for the nine-month period ended September 30, 2026 was $284.5 million, an increase of $71.3 million, compared to net cash provided by operating activities for the nine-month period ended September 30, 2025 of $213.2 million. Net cash from operating activities is generally provided by net income from operations adjusted for significant non-cash items such as marks to finance receivables measured at fair value.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Net cash used in investing activities was $1,191.1 million for the nine months ended September 30, 2026 compared to $492.3 million in the prior year period. Net cash used in investing activities generally relates to new purchases of automobile contracts net of principal payments and other proceeds received during the period. Purchases of finance receivables excluding acquisition fees were $2,067.9 million and $1,275.7 million during the first nine months of 2026 and 2025, respectively.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Net cash provided by financing activities for the nine months ended September 30, 2026 was $914.5 million compared to $293.5 million in the prior year period. Cash provided by financing activities is primarily related to the issuance of securitization trust debt, reduced by the amount of repayment of securitization trust debt and net proceeds or repayments on our warehouse lines of credit and other debt. In the first nine months of 2026, we issued $1,576.6 million in new securitization trust debt compared to $1,280.7 million for the same period in 2025. We repaid $1,103.5 million in securitization trust debt in the nine months ended September 30, 2026 compared to repayments of securitization trust debt of $957.6 million in the prior year period. In the nine months ended September 30, 2026, we had net advances on warehouse lines of credit of $412.5 million, compared to net repayments from warehouse lines of credit of $72.3 million in the prior year’s period.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">We purchase automobile contracts from dealers for a cash price approximately equal to their principal amount, adjusted for an acquisition fee which may either increase or decrease the automobile contract purchase price. Those automobile contracts generate cash flow, however, over a period of years. We have been dependent on warehouse credit facilities to purchase automobile contracts and our securitization transactions for long term financing of our contracts. In addition, we have accessed other sources, such as residual financings and subordinated debt in order to finance our continuing operations.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The acquisition of automobile contracts for subsequent financing in securitization transactions, and the need to fund spread accounts and initial overcollateralization, if any, and increase credit enhancement levels when those transactions take place, results in a continuing need for capital. The amount of capital required is most heavily dependent on the rate of our automobile contract purchases, the required level of initial credit enhancement in securitizations, and the extent to which the previously established trusts and their related spread accounts either release cash to us or capture cash from collections on securitized automobile contracts. Of those, the factor most subject to our control is the rate at which we purchase automobile contracts.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">We are and may in the future be limited in our ability to purchase automobile contracts due to limits on our capital. As of September 30, 2026, we had unrestricted cash of $5.1 million and $158.3 million aggregate available borrowings under our two warehouse credit facilities (assuming the availability of sufficient eligible collateral). As of September 30, 2026, we had approximately $14.1 million of such eligible collateral. Our plans to manage our liquidity include maintaining our rate of automobile contract purchases at a level that matches our available capital, and, as appropriate, minimizing our operating costs. During the nine-month period ended September 30, 2026, we completed three securitizations aggregating $1,576.6 million of notes sold.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Our liquidity will also be affected by releases of cash from the trusts established with our securitizations. While the specific terms and mechanics of each spread account vary among transactions, our securitization agreements generally provide that we will receive excess cash flow, if any, only if the amount of credit enhancement has reached specified levels and the net losses related to the automobile contracts in the pool are below certain predetermined levels. In the event delinquencies or net losses on the automobile contracts exceed such levels, the terms of the securitization may require increased credit enhancement to be accumulated for the particular pool. In addition, from time to time, we have also completed financings of our residual interests in other securitizations that we and our affiliates previously sponsored. There can be no assurance that collections from the related trusts will continue to generate sufficient cash.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Our warehouse credit facilities contain various financial covenants requiring certain minimum financial ratios and results. Such covenants include maintaining minimum levels of liquidity and net worth and not exceeding maximum leverage levels. In addition, certain of our debt agreements other than our term securitizations contain cross-default provisions. Such cross-default provisions would allow the respective creditors to declare a default if an event of default occurred with respect to other indebtedness of ours, but only if such other events of default were to be accompanied by acceleration of such other indebtedness. As of September 30, 2026, we were in compliance with all such financial covenants.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">We currently have and will continue to have a substantial amount of outstanding indebtedness. At September 30, 2026, we had approximately $4,413.9 million of debt outstanding. Such debt consisted primarily of $3,458.5 million of securitization trust debt, and also included $735.8 million of warehouse lines of credit, $190.7 million of residual interest financing debt and $28.9 million in subordinated renewable notes.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Although we believe we are able to service and repay our debt, there is no assurance that we will be able to do so. If our plans for future operations do not generate sufficient cash flows and earnings, our ability to make required payments on our debt would be impaired. If we fail to pay our indebtedness when due, it could have a material adverse effect on us and may require us to issue additional debt or equity securities.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span id="q3_011"></span>Item 4. <i>Controls and Procedures</i></p> <p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">We maintain a system of internal controls and procedures designed to provide reasonable assurance as to the reliability of our published financial statements and other disclosures included in this report. As of the end of the period covered by this report, we evaluated the effectiveness of the design and operation of such disclosure controls and procedures. Based upon that evaluation, the principal executive officer (Charles E. Bradley, Jr.) and the principal financial officer (Denesh Bharwani) concluded that the disclosure controls and procedures are effective in recording, processing, summarizing and reporting, on a timely basis, material information relating to us that is required to be included in our reports filed under the Securities Exchange Act of 1934. There has been no change in our internal controls over financial reporting during our most recently completed fiscal quarter that has materially affected, or is reasonably likely to materially affect, our internal control over financial reporting.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b> </b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b><span id="q3_012"></span>PART II — OTHER INFORMATION</b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"> </p> <p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span id="q3_013"></span>Item 1. <i>Legal Proceedings </i></p> <p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The information provided under the caption “Legal Proceedings,” Note 8 to the Unaudited Condensed Consolidated Financial Statements, included in Part I of this report, is incorporated herein by reference.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"> </p> <p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span id="q3_014"></span>Item 1A. <i>Risk Factors</i></p> <p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">We remind the reader that risk factors are set forth in Item 1A of our report on Form 10-K, filed with the U.S. Securities and Exchange Commission on March 16, 2026. Where we are aware of material changes to such risk factors as previously disclosed, we set forth below an updated discussion of such risks. The reader should note that the other risks identified in our report on Form 10-K remain applicable.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><i>We have substantial indebtedness.</i></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in">We have and will continue to have a substantial amount of indebtedness. At September 30, 2026, we had approximately $4,413.9 million debt outstanding. Such debt consisted primarily of $3,458.5 million of securitization trust debt and $735.8 million of debt from warehouse lines of credit. Our securitization trust debt has increased by $472.0 million while our warehouse lines of credit debt has also increased by $411.0 million since December 31, 2025 (each net of deferred financing costs). Since 2005, we have offered renewable subordinated notes to the public on a continuous basis, and such notes have maturities that range from six months to 10 years. We had $28.9 million and $29.0 million in subordinated renewable notes outstanding at September 30, 2026, and December 31, 2025, respectively. In June 2021, March 2024, March 2025, March 2026, and again in August 2026, we completed a securitization of residual interests from other previously issued securitizations in the amounts of $50 million, $50 million, $65 million, $50 million, and $80 million, respectively. As of September 30, 2026, $190.7 million of the residual interest debt remains outstanding.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Our substantial indebtedness could adversely affect our financial condition by, among other things:</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top"> <td style="width: 0.4in"></td><td style="width: 0.2in"><span style="font-family: Symbol">·</span></td><td style="text-align: justify">increasing our vulnerability to general adverse economic and industry conditions.</td></tr> <tr style="vertical-align: top"> <td> </td><td> </td><td style="text-align: justify"> </td></tr> <tr style="vertical-align: top"> <td style="width: 0.4in"></td><td style="width: 0.2in"><span style="font-family: Symbol">·</span></td><td style="text-align: justify">requiring us to dedicate a substantial portion of our cash flow from operations to payments on our indebtedness, thereby reducing the amounts available for working capital, capital expenditures and other general corporate purposes.</td></tr> <tr style="vertical-align: top"> <td> </td><td> </td><td style="text-align: justify"> </td></tr> <tr style="vertical-align: top"> <td style="width: 0.4in"></td><td style="width: 0.2in"><span style="font-family: Symbol">·</span></td><td style="text-align: justify">limiting our flexibility in planning for, or reacting to, changes in our business and the industry in which we operate.</td></tr> <tr style="vertical-align: top"> <td> </td><td> </td><td style="text-align: justify"> </td></tr> <tr style="vertical-align: top"> <td style="width: 0.4in"></td><td style="width: 0.2in"><span style="font-family: Symbol">·</span></td><td style="text-align: justify">placing us at a competitive disadvantage compared to our competitors that have less debt; and</td></tr> <tr style="vertical-align: top"> <td> </td><td> </td><td style="text-align: justify"> </td></tr> <tr style="vertical-align: top"> <td style="width: 0.4in"></td><td style="width: 0.2in"><span style="font-family: Symbol">·</span></td><td style="text-align: justify">limiting our ability to borrow additional funds.</td></tr></table> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Although we believe we are able to service and repay such debt, there is no assurance that we will be able to do so. If we do not generate sufficient operating profits, our ability to make the required payments on our debt would be impaired. Failure to pay our indebtedness when due could have a material adverse effect.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span id="q3_015"></span>Item 2. <i>Unregistered Sales of Equity Securities and Use of Proceeds</i></p> <p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">During the three months ended September 30, 2026, we repurchased 404,908 shares from existing shareholders, as reflected in the table below.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b>Issuer Purchases of Equity Securities </b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Period(1)</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total Number of Shares Purchased</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Average Price Paid per Share</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total Number of Shares Purchased as Part of Publicly Announced Plans or Programs</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Approximate Dollar Value of Shares that May Yet be Purchased Under the Plans or Programs (2)</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 32%">July 2026</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 13%; text-align: right">59,016</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">9.53</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 13%; text-align: right">59,016</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">3,079,819</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>August 2026</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">286,751</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">9.36</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">286,751</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">10,395,004</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 1pt">September 2026</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">59,141</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">9.48</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">59,141</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left">$</td><td style="padding-bottom: 1pt; text-align: right">9,834,275</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 2.5pt">Total</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">404,908</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">9.40</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">404,908</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt; text-align: right"> </td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">____________________</p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top"> <td style="width: 0.25in"><i>(1)</i></td><td style="text-align: justify"><i>Each monthly period is the calendar month.</i></td></tr> <tr style="vertical-align: top"> <td><i>(2)</i></td><td style="text-align: justify"><i>In August 2026, our board of directors authorized the purchase of an additional $10 million of our common stock. Through September 30, 2026, our board of directors had authorized the purchase of up to $148.2 million of our outstanding securities, which program was first announced in our annual report for the year 2002, filed on March 26, 2003. All purchases described in the table above were under the plan announced in March 2003, which has no fixed expiration date. </i></td></tr></table> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"> </p> <p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span id="q3_016"></span>Item 5. <i>Other Information</i></p> <p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-weight: normal">During the quarter ended September 30, 2026, no director or officer <span class="xdx_phnt_RGlzY2xvc3VyZSAtIEluc2lkZXIgVHJhZGluZyBBcnJhbmdlbWVudHMA" id="xdx_900_eecd--Rule10b51ArrAdoptedFlag_dbF_c20260701__20260930_zXeYS0TW7J62"><span class="xdx_phnt_RGlzY2xvc3VyZSAtIEluc2lkZXIgVHJhZGluZyBBcnJhbmdlbWVudHMA" id="xdx_909_eecd--NonRule10b51ArrAdoptedFlag_dbF_c20260701__20260930_zbSFy3GJx9d1">adopted</span></span> or <span class="xdx_phnt_RGlzY2xvc3VyZSAtIEluc2lkZXIgVHJhZGluZyBBcnJhbmdlbWVudHMA" id="xdx_90D_eecd--Rule10b51ArrTrmntdFlag_dbF_c20260701__20260930_zOU42kfEpV54"><span class="xdx_phnt_RGlzY2xvc3VyZSAtIEluc2lkZXIgVHJhZGluZyBBcnJhbmdlbWVudHMA" id="xdx_900_eecd--NonRule10b51ArrTrmntdFlag_dbF_c20260701__20260930_zcwdQEZlHJ64">terminated</span></span> any Rule 10b5-1 trading arrangement or non-Rule 10b5-1 trading arrangement, as each term is defined in Item 408(a) of Regulation S-K.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span id="q3_017"></span>Item 6. <i>Exhibits</i></p> <p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The Exhibits listed below are filed with this report.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td style="width: 12%"> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></p></td> <td style="width: 88%"> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Instruments defining the rights of holders of long-term debt of certain consolidated subsidiaries of the registrant are omitted pursuant to the exclusion set forth in subdivisions (b)(iv)(iii)(A) and (b)(v) of Item 601 of Regulation S-K (17 CFR 229.601). The registrant agrees to provide copies of such instruments to the United States Securities and Exchange Commission upon request.</p></td></tr> <tr style="vertical-align: top"> <td>10.1.0</td> <td><a href="cpss_ex100100.htm">Auto Receivables Trust 2026-C Purchase Agreement dated July 1, 2026, between registrant and CPS Receivables Five LLC</a>**(filed herewith)</td></tr> <tr style="vertical-align: top"> <td style="text-align: justify"><span style="font-size: 10pt">10.1.1</span></td> <td style="text-align: justify"><span style="font-size: 10pt"><a href="cpss_ex100101.htm">Amendment dated July 9, 2026 to Amended and Restated Credit Agreement amongst registrant, Page Eight Funding LLC, Citibank, N.A., CAFCO, LLC, Charta, LLC, Ciesco, LLC, CRC Funding, LLC, ABF Auto Holdings 2024-1, LLC, and Oaktree Diversified Income Fund Inc.</a>**(filed herewith)</span></td></tr> <tr style="vertical-align: top"> <td style="text-align: justify"><span style="font-size: 10pt">31.1</span></td> <td style="text-align: justify"><a href="cpss_ex3101.htm"><span style="font-size: 10pt">Rule 13a-14(a) Certification of the Chief Executive Officer of the registrant.</span></a></td></tr> <tr style="vertical-align: top"> <td style="text-align: justify"><span style="font-size: 10pt">31.2</span></td> <td style="text-align: justify"><a href="cpss_ex3102.htm"><span style="font-size: 10pt">Rule 13a-14(a) Certification of the Chief Financial Officer of the registrant.</span></a></td></tr> <tr style="vertical-align: top"> <td style="text-align: justify"><span style="font-size: 10pt">32</span></td> <td> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><a href="cpss_ex3200.htm">Section 1350 Certifications.</a>*</p></td></tr> <tr style="vertical-align: top"> <td style="text-align: justify"><span style="font-size: 10pt">101.INS</span></td> <td style="text-align: justify"><span style="font-size: 10pt">Inline XBRL Instance Document (the instance document does not appear in the Interactive Data File because its XBRL tags are embedded within the Inline XBRL document)</span></td></tr> <tr style="vertical-align: top"> <td style="text-align: justify"><span style="font-size: 10pt">101.SCH</span></td> <td style="text-align: justify"><span style="font-size: 10pt">Inline XBRL Taxonomy Extension Schema Document</span></td></tr> <tr style="vertical-align: top"> <td style="text-align: justify"><span style="font-size: 10pt">101.CAL</span></td> <td style="text-align: justify"><span style="font-size: 10pt">Inline XBRL Taxonomy Extension Calculation Linkbase Document</span></td></tr> <tr style="vertical-align: top"> <td style="text-align: justify"><span style="font-size: 10pt">101.DEF</span></td> <td style="text-align: justify"><span style="font-size: 10pt">Inline XBRL Taxonomy Extension Definition Linkbase Document</span></td></tr> <tr style="vertical-align: top"> <td style="text-align: justify"><span style="font-size: 10pt">101.LAB</span></td> <td style="text-align: justify"><span style="font-size: 10pt">Inline XBRL Taxonomy Extension Definition Linkbase Document</span></td></tr> <tr style="vertical-align: top"> <td style="text-align: justify"><span style="font-size: 10pt">101.PRE</span></td> <td style="text-align: justify"><span style="font-size: 10pt">Inline XBRL Taxonomy Extension Presentation Linkbase Document</span></td></tr> <tr style="vertical-align: top"> <td style="text-align: justify"><span style="font-size: 10pt">104</span></td> <td style="text-align: justify"><span style="font-size: 10pt">Cover Page Interactive Data File (formatted in inline XBRL, and included in exhibit 101).</span></td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify; text-indent: 17.3pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; text-align: justify; text-indent: 17.3pt">* These Certifications shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liability of that section. These Certifications shall not be deemed to be incorporated by reference into any filing under the Securities Act of 1933, as amended, or the Exchange Act, except to the extent that the registration statement specifically states that such Certifications are incorporated therein.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify; text-indent: 17.3pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; text-align: justify; text-indent: 17.3pt">** Certain portions of this exhibit have been omitted pursuant to Item 601(b)(10) of Regulation S-K.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify; text-indent: 17.3pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify; text-indent: 17.3pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify; text-indent: 17.3pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify; text-indent: 17.3pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify; text-indent: 17.3pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify; text-indent: 17.3pt"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify; text-indent: 17.3pt"> </p> <p style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-style: normal"><span id="q3_018"></span><b>SIGNATURES</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.2in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; text-align: left">CONSUMER PORTFOLIO SERVICES, INC.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; text-align: left"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; text-align: left">(Registrant)</p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; text-align: left"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Date: October 30, 2026</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%"> <tr style="vertical-align: bottom"> <td style="width: 10%"> </td> <td style="width: 4%">By:</td> <td style="border-bottom: Black 1pt solid; width: 36%"> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">/s/ CHARLES E. BRADLEY, JR.</p></td> <td style="width: 1%; text-align: justify"> </td> <td style="width: 49%; text-align: justify"> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td>Charles E. Bradley, Jr.</td> <td style="text-align: justify"> </td> <td style="text-align: justify"> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td><i>Chief Executive Officer</i></td> <td style="text-align: justify"> </td> <td style="text-align: justify"> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td>(Principal Executive Officer)</td> <td style="text-align: justify"> </td> <td style="text-align: justify"> </td></tr> </table> <p style="margin: 0"> </p> <p style="margin: 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Date: October 30, 2026</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="margin: 0"></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%"> <tr style="vertical-align: bottom"> <td style="width: 10%"> </td> <td style="width: 4%">By:</td> <td style="border-bottom: Black 1pt solid; width: 36%"> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">/s/ DENESH BHARWANI</p></td> <td style="width: 1%; text-align: justify"> </td> <td style="width: 49%; text-align: justify"> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td>Denesh Bharwani</td> <td style="text-align: justify"> </td> <td style="text-align: justify"> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td><i>Executive Vice President and Chief Financial Officer</i></td> <td style="text-align: justify"> </td> <td style="text-align: justify"> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td> </td> <td>(Principal Financial Officer)</td> <td style="text-align: justify"> </td> <td style="text-align: justify"> </td></tr> </table> <p style="margin: 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; text-align: left"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; text-align: left"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; text-align: left"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; text-align: left"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; text-align: left"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; text-align: left"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; text-align: left"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; text-align: left"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; text-align: left"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; text-align: left"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; text-align: left"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; text-align: left"></p> false false false false The Final Scheduled Payment Date represents final legal maturity of the securitization trust debt. Securitization trust debt is expected to become due and to be paid prior to those dates, based on amortization of the finance receivables pledged to the trusts. Expected payments, which will depend on the performance of such receivables, as to which there can be no assurance, are $346.7 million in 2026, $1,234.1 million in 2027, $845.7 million in 2028, $516.3 million in 2029, $299.2 million in 2030, $146.0 million in 2031, and $70.5 million in 2032.