v3.25.4

Equity Incentive Plans (Tables)

6 Months Ended

Dec. 31, 2025

Share-Based Payment Arrangement [Abstract]

Schedule of Stock Option Activity

The following table summarizes our stock option activity for the six months ended December 31, 2025:

						Number of Options						Weighted Average Exercise Price						Weighted Average Remaining Contractual Term (Years)						Aggregate Intrinsic Value (in thousands)
Balance as of June 30, 2025						12,955,978						$	19.12					5.18
Exercised						(1,966,068)						16.45
Forfeited, expired or canceled						(140,822)						32.06
Balance as of December 31, 2025						10,849,088						19.44						4.76
Vested and exercisable, December 31, 2025						9,362,226						$	18.01					4.27						$	529,250
Vested and exercisable, and expected to vest thereafter(1) December 31, 2025						10,847,762						$	19.46					4.76						$	597,429

(1)Options expected to vest reflect the application of an estimated forfeiture rate.

The following table summarizes our Value Creation Award activity for the six months ended December 31, 2025:

						Number of Options						Weighted Average Exercise Price						Weighted Average Remaining Contractual Term (Years)						Aggregate Intrinsic Value (in thousands)
Balance as of June 30, 2025						12,500,000						$	49.00					5.29
Exercised						(1,333,332)						49.00
Balance as of December 31, 2025						11,166,668						49.00						5.04
Vested and exercisable, December 31, 2025						2,666,668						$	49.00					5.04						$	67,813

Schedule of Restricted Stock Unit Activity

The following table summarizes our RSU activity during the six months ended December 31, 2025:

						Number of Shares						Weighted Average Grant Date Fair Value
Non-vested at June 30, 2025						13,666,035						$	30.98
Granted						5,993,867						67.73
Vested						(6,176,746)						37.44
Forfeited, expired or canceled						(893,037)						37.72
Non-vested at December 31, 2025						12,590,119						$	44.83

Schedule of PSU Activity

The following table summarizes our PSU activity during the six months ended December 31, 2025:

						Number of Shares						Weighted Average Grant Date Fair Value
Non-vested at June 30, 2025						—						$	—
Granted						262,756						89.91
Non-vested at December 31, 2025						262,756						$	89.91

Schedule of Components and Classification of Stock-Based Compensation

The following table presents the components and classification of stock-based compensation (in thousands):

						Three Months Ended December 31,												Six Months Ended December 31,
						2025						2024						2025						2024
General and administrative						$	50,588					$	57,719					$	106,362					$	120,524
Technology and data analytics						23,012						23,677						47,776						49,648
Sales and marketing						3,984						4,482						9,060						9,677
Processing and servicing						215						220						455						482
Total stock-based compensation in operating expenses						77,800						86,098						163,653						180,331
Capitalized into property, equipment and software, net						46,636						44,708						99,521						94,186
Total stock-based compensation						$	124,436					$	130,806					$	263,174					$	274,517

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