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Revenue (Tables)
 6 Months Ended
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,
2024202320242023
Merchant network revenue$244,895 $188,357 $429,234 $334,307 
Card network revenue58,142 39,269 105,622 72,745 
Interest income409,367 288,346 786,431 551,025 
Gain on sales of loans125,287 52,702 188,900 86,987 
Servicing income28,690 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,
2024202320242023
Contractual interest income on unpaid principal balance$375,906 $248,083 $713,070 $474,374 
Amortization of discount on loans64,115 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