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CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS AND COMPREHENSIVE INCOME (LOSS) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2024
Dec. 31, 2023
Revenue        
Revenue $ 303,037 $ 227,626 $ 534,856 $ 407,052
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
Operating expenses        
Loss on loan purchase commitment 70,278 53,630 124,515 88,496
Provision for credit losses 152,980 120,880 312,804 220,576
Funding costs 107,762 84,617 211,907 158,548
Processing and servicing 115,960 90,203 211,106 165,874
Technology and data analytics 148,213 119,833 282,503 252,798
Sales and marketing 136,038 161,265 281,271 308,131
General and administrative 139,412 132,777 277,894 273,111
Restructuring and other 60 56 (195) 1,721
Total operating expenses 870,703 763,261 1,701,805 1,469,255
Operating loss (4,322) (172,151) (136,944) (381,598)
Other income, net 87,181 4,549 121,483 43,256
Income (loss) before income taxes 82,859 (167,602) (15,461) (338,342)
Income tax expense (benefit) 2,499 (700) 4,401 343
Net income (loss) 80,360 (166,902) (19,862) (338,685)
Other comprehensive income (loss)        
Foreign currency translation adjustments (35,469) 13,824 (27,123) 1,926
Unrealized gain (loss) on securities available for sale, net (2,873) 4,853 2,716 6,206
Gain (loss) on cash flow hedges (89) (614) (1,581) 149
Net other comprehensive income (loss) (38,431) 18,063 (25,988) 8,281
Comprehensive income (loss) $ 41,929 $ (148,839) $ (45,850) $ (330,404)
Net income (loss) per share attributable to common stockholders for Class A and Class B        
Basic (in USD per share) $ 0.25 $ (0.54) $ (0.06) $ (1.11)
Diluted (in USD per share) $ 0.23 $ (0.54) $ (0.06) $ (1.11)
Weighted average common shares outstanding        
Basic (in shares) 322,282,334 307,571,602 320,258,445 305,705,637
Diluted (in shares) 345,196,568 307,571,602 320,258,445 305,705,637
Merchant network revenue        
Revenue        
Revenue $ 244,895 $ 188,357 $ 429,234 $ 334,307
Card network revenue        
Revenue        
Revenue $ 58,142 $ 39,269 $ 105,622 $ 72,745