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Revenue (Tables) | 6 Months Ended
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Dec. 31, 2024
Banking and Thrift, Interest [Abstract] |
Disaggregation of Revenue | The following table presents our revenue disaggregated by revenue source (in thousands):
|  | Three Months Ended December 31, |  | Six Months Ended December 31,
|  | 2024 |  | 2023 |  | 2024 |  | 2023
Merchant network revenue |  | $ | 244,895 |  |  | $ | 188,357 |  |  | $ | 429,234 |  |  | $ | 334,307 |
Card network revenue |  | 58,142 |  |  | 39,269 |  |  | 105,622 |  |  | 72,745 |
Interest income |  | 409,367 |  |  | 288,346 |  |  | 786,431 |  |  | 551,025 |
Gain on sales of loans |  | 125,287 |  |  | 52,702 |  |  | 188,900 |  |  | 86,987 |
Servicing income |  | 28,690 |  |  | 22,436 |  |  | 54,674 |  |  | 42,593 |
Total revenue, net |  | $ | 866,381 |  |  | $ | 591,110 |  |  | $ | 1,564,861 |  |  | $ | 1,087,657 |
Schedule of Interest Income | Interest income consisted of the following components (in thousands):
|  | Three Months Ended December 31, |  | Six Months Ended December 31,
|  | 2024 |  | 2023 |  | 2024 |  | 2023
Contractual interest income on unpaid principal balance |  | $ | 375,906 |  |  | $ | 248,083 |  |  | $ | 713,070 |  |  | $ | 474,374 |
Amortization of discount on loans |  | 64,115 |  |  | 51,024 |  |  | 120,812 |  |  | 96,142 |
Amortization of premiums on loans |  | (4,882) |  |  | (4,183) |  |  | (9,515) |  |  | (8,163) |
Interest receivable charged-off, net of recoveries |  | (25,772) |  |  | (6,578) |  |  | (37,936) |  |  | (11,328) |
Total interest income |  | $ | 409,367 |  |  | $ | 288,346 |  |  | $ | 786,431 |  |  | $ | 551,025 |

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- Definition Tabular disclosure of disaggregation of revenue into categories depicting how nature, amount, timing, and uncertainty of revenue and cash flows are affected by economic factor. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 606 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 5 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479806/606-10-50-5 + Details
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- Definition Tabular disclosure of interest income and expense, including, but not limited to, interest income and expense from investments, loans, and securities. + References No definition available. + Details
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