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Pay vs Performance Disclosure
 12 Months Ended
Dec. 31, 2023
USD ($)
$ / shares
Dec. 31, 2022
USD ($)
$ / shares
Dec. 31, 2021
USD ($)
$ / shares
Dec. 31, 2020
USD ($)
$ / shares
Pay vs Performance Disclosure        
Pay vs Performance Disclosure, Table
As required by SEC rules, the Company is providing the following information about the relationship between “compensation actually paid” (as computed in accordance with SEC rules) to its Principal Executive Officer (“PEO”) and to its other NEOs and certain financial performance of the Company for the most recently completed fiscal years:

Average
SummaryAverage
Compen-Compen-
sationsation
SummaryTableActuallyValue of Initial Fixed $100
Compen-Compen-Total forPaid toInvestment Based On:
sationsationNon-PEONon-PEOPeer GroupAdjusted
TableActually NamedNamedTotalTotalDiluted
Total forPaid toExecutiveExecutiveShareholderShareholderEarnings
PEO (1)
PEO (2)
Officers (3)
Officers (2)
Return (4)
Return (4)
Net Income
Per Share (5)
Year
($)
($)
($)
($)
($)
($)
($)
($)
202312,256,895 19,930,731 3,574,925 4,683,793 142.93 136.31 219,301,000 6.06 
20229,836,835 15,114,505 2,834,198 3,793,799 113.04 126.16 253,495,000 5.19 
20217,175,467 7,215,249 2,014,574 1,972,295 95.77 130.71 124,909,000 3.94 
202010,488,603 3,853,657 2,791,299 1,398,643 88.27 98.31 106,579,000 3.01 
      
Named Executive Officers, Footnote Rick Wessel was the Company’s PEO in 2020, 2021, 2022 and 2023.The non-PEO NEOs included in the averages are the following individuals for each of the years shown:
2023202220212020
T. Brent StuartT. Brent StuartT. Brent StuartT. Brent Stuart
R. Douglas OrrR. Douglas OrrR. Douglas OrrR. Douglas Orr
Howard F. Hambleton
Howard F. Hambleton (i)
Anna M. Alvarado (ii)
Anna M. Alvarado
Raul R. RamosRaul R. RamosRaul R. RamosRaul R. Ramos

(i)Mr. Hambleton joined the Company in December 2021, in conjunction with the AFF acquisition, as the AFF president.

(ii)Ms. Alvarado resigned from the Company effective October 8, 2021.
      
Peer Group Issuers, Footnote For the relevant year, represents the cumulative TSR of the Company and the S&P MidCap 400 – Financials Index from December 31, 2019 though the respective measurement periods ending on December 31 of 2023, 2022, 2021 and 2020. Each year reflects what the cumulative value of $100 would be, including the reinvestment of dividends, if such amount were invested on December 31, 2019. For purposes of reporting comparative stockholder returns per Item 201(e) of Regulation S-K under the Exchange Act in the Company’s Annual Report on Form 10-K for the year ended December 31, 2023, both the S&P MidCap 400 – Financials Index and the S&P MidCap 400 – Consumer Discretionary Index are used by the Company. Given that more than 50% of the Company’s earnings in 2023 were from consumer finance-related activities, the Company has elected to use the S&P MidCap 400 – Financials Index Returns as the peer group benchmark in this table. For informational purposes, the stockholder returns for the S&P MidCap 400 – Consumer Discretionary Index were $164.16, $132.09, $167.26 and $130.99 for 2023, 2022, 2021 and 2020, respectively.      
PEO Total Compensation Amount $ 12,256,895 $ 9,836,835 $ 7,175,467 $ 10,488,603
PEO Actually Paid Compensation Amount $ 19,930,731 15,114,505 7,215,249 3,853,657
Adjustment To PEO Compensation, Footnote To calculate compensation actually paid (“CAP”), the following amounts were deducted from and added to SCT total compensation:
PEO2023202220212020
SCT total compensation$12,256,895 $9,836,835 $7,175,467 $10,488,603 
Less fair value of stock awards reported in the SCT(7,016,337)(5,155,277)(3,453,904)(7,478,258)
Plus fair value as of year end of stock awards granted in current year9,361,536 8,103,054 5,177,226 3,741,817 
Change in fair value of stock awards granted in prior years that are outstanding and unvested as of year end2,201,800 2,287,279 840,071 (2,148,575)
Change in fair value of stock awards granted in prior years that vested during the current year3,126,837 42,614 (2,523,611)(749,930)
CAP$19,930,731 $15,114,505 $7,215,249 $3,853,657 
      
Non-PEO NEO Average Total Compensation Amount $ 3,574,925 2,834,198 2,014,574 2,791,299
Non-PEO NEO Average Compensation Actually Paid Amount $ 4,683,793 3,793,799 1,972,295 1,398,643
Adjustment to Non-PEO NEO Compensation Footnote
Average of Non-PEO NEO
2023202220212020
SCT total compensation$3,574,925 $2,834,198 $2,014,574 $2,791,299 
Less fair value of stock awards reported in the SCT(1,615,710)(1,161,314)(744,532)(1,458,714)
Plus fair value as of year end of stock awards granted in current year2,141,786 1,678,775 1,083,099 798,701 
Change in fair value of stock awards granted in prior years that are outstanding and unvested as of year end568,670 443,809 156,478 (605,031)
Change in fair value of stock awards granted in prior years that vested during the current year14,122 (1,669)(278,176)(127,612)
Less fair value of stock awards forfeited during the current year— — (259,148)— 
CAP$4,683,793 $3,793,799 $1,972,295 $1,398,643 
      
Compensation Actually Paid vs. Total Shareholder Return
66449
      
Compensation Actually Paid vs. Net Income
66446
      
Compensation Actually Paid vs. Company Selected Measure
66332
(1)Non-GAAP financial measure. See detailed reconciliation of non-GAAP financial measures provided in Appendix A.
      
Total Shareholder Return Amount $ 142.93 113.04 95.77 88.27
Peer Group Total Shareholder Return Amount 136.31 126.16 130.71 98.31
Net Income (Loss) $ 219,301,000 $ 253,495,000 $ 124,909,000 $ 106,579,000
Company Selected Measure Amount | $ / shares 6.06 5.19 3.94 3.01
PEO Name Rick Wessel      
Additional 402(v) Disclosure Non-GAAP financial measure. See detailed reconciliation of non-GAAP financial measures provided in Appendix A.      
Measure:: 1        
Pay vs Performance Disclosure        
Name Adjusted diluted earnings per share      
Measure:: 2        
Pay vs Performance Disclosure        
Name Adjusted net income      
Measure:: 3        
Pay vs Performance Disclosure        
Name Adjusted EBITDA      
Measure:: 4        
Pay vs Performance Disclosure        
Name Adjusted net revenue (gross profit)      
Measure:: 5        
Pay vs Performance Disclosure        
Name TSR relative to compensation peers      
PEO | Aggregate Grant Date Fair Value of Equity Award Amounts Reported in Summary Compensation Table        
Pay vs Performance Disclosure        
Adjustment to Compensation, Amount $ (7,016,337) $ (5,155,277) $ (3,453,904) $ (7,478,258)
PEO | Year-end Fair Value of Equity Awards Granted in Covered Year that are Outstanding and Unvested        
Pay vs Performance Disclosure        
Adjustment to Compensation, Amount 9,361,536 8,103,054 5,177,226 3,741,817
PEO | Year-over-Year Change in Fair Value of Equity Awards Granted in Prior Years That are Outstanding and Unvested        
Pay vs Performance Disclosure        
Adjustment to Compensation, Amount 2,201,800 2,287,279 840,071 (2,148,575)
PEO | Change in Fair Value as of Vesting Date of Prior Year Equity Awards Vested in Covered Year        
Pay vs Performance Disclosure        
Adjustment to Compensation, Amount 3,126,837 42,614 (2,523,611) (749,930)
Non-PEO NEO | Aggregate Grant Date Fair Value of Equity Award Amounts Reported in Summary Compensation Table        
Pay vs Performance Disclosure        
Adjustment to Compensation, Amount (1,615,710) (1,161,314) (744,532) (1,458,714)
Non-PEO NEO | Year-end Fair Value of Equity Awards Granted in Covered Year that are Outstanding and Unvested        
Pay vs Performance Disclosure        
Adjustment to Compensation, Amount 2,141,786 1,678,775 1,083,099 798,701
Non-PEO NEO | Year-over-Year Change in Fair Value of Equity Awards Granted in Prior Years That are Outstanding and Unvested        
Pay vs Performance Disclosure        
Adjustment to Compensation, Amount 568,670 443,809 156,478 (605,031)
Non-PEO NEO | Change in Fair Value as of Vesting Date of Prior Year Equity Awards Vested in Covered Year        
Pay vs Performance Disclosure        
Adjustment to Compensation, Amount 14,122 (1,669) (278,176) (127,612)
Non-PEO NEO | Prior Year End Fair Value of Equity Awards Granted in Any Prior Year that Fail to Meet Applicable Vesting Conditions During Covered Year        
Pay vs Performance Disclosure        
Adjustment to Compensation, Amount $ 0 $ 0 $ (259,148) $ 0