v3.25.4

Revenue (Tables) | 6 Months Ended
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Dec. 31, 2025
Banking and Thrift, Interest [Abstract] |
Schedule of 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,
|  | 2025 |  | 2024 |  | 2025 |  | 2024
Merchant network revenue |  | $ | 328,380 |  |  | $ | 244,895 |  |  | $ | 579,527 |  |  | $ | 429,234 |
Card network revenue |  | 73,035 |  |  | 58,142 |  |  | 142,365 |  |  | 105,622 |
Interest income |  | 493,626 |  |  | 409,367 |  |  | 947,749 |  |  | 786,431 |
Gain on sales of loans |  | 185,231 |  |  | 125,287 |  |  | 304,280 |  |  | 188,900 |
Servicing income |  | 42,748 |  |  | 28,690 |  |  | 82,437 |  |  | 54,674 |
Total revenue, net |  | $ | 1,123,019 |  |  | $ | 866,381 |  |  | $ | 2,056,357 |  |  | $ | 1,564,861 |
Schedule of Interest Income | Interest income consisted of the following components (in thousands):
|  | Three Months Ended December 31, |  | Six Months Ended December 31,
|  | 2025 |  | 2024 |  | 2025 |  | 2024
Contractual interest income on unpaid principal balance (1) |  | $ | 428,581 |  |  | $ | 364,962 |  |  | $ | 828,689 |  |  | $ | 702,126 |
Amortization of discount on loans |  | 85,904 |  |  | 64,115 |  |  | 157,220 |  |  | 120,812 |
Amortization of premiums on loans |  | (6,977) |  |  | (4,882) |  |  | (13,221) |  |  | (9,515) |
Interest receivable charged-off, net of recoveries (2) |  | (13,882) |  |  | (14,828) |  |  | (24,940) |  |  | (26,992) |
Total interest income |  | $ | 493,626 |  |  | $ | 409,367 |  |  | $ | 947,749 |  |  | $ | 786,431 |
(1)Contractual interest income on unpaid principal balance, for the three and six months ended December 31, 2024, was previously reported as $375.9 million and $713.1 million, respectively. These amounts have been corrected herein; the correction is not material to the previously issued financial statements. (2)Interest receivable charged-off, net of recoveries, for the three and six months ended December 31, 2024, was previously reported as $25.8 million and $37.9 million, respectively. These amounts have been corrected herein; the correction is not material to the previously issued financial statements.

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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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