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v3.25.2

Segment Information - Reconciliation of Total Contribution Profit to Net Loss Before Income Taxes (Details) - USD ($) $ in Thousands | 3 Months Ended | 6 Months Ended
--- | --- | ---
Jun. 30, 2025 | Jun. 30, 2024 | Jun. 30, 2025 | Jun. 30, 2024
Segment, Reconciliation of Other Items from Segments to Consolidated [Line Items] |  |  |  |
Sales and marketing, net of borrower acquisition costs | $ (73,105) | $ (32,958) | $ (132,075) | $ (68,108)
Customer operations, net of borrower verification and servicing costs | (46,246) | (38,684) | (86,747) | (78,092)
Engineering and product development | (68,825) | (58,453) | (126,663) | (121,544)
General, administrative, and other | (64,573) | (53,021) | (125,131) | (110,634)
Interest income, interest expense, and fair value adjustments, net | 16,514 | (2,902) | 44,410 | (13,176)
Other income, net | 1,114 | 1,031 | 3,192 | 3,915
Net income (loss) before income taxes | 5,656 | (54,455) | 3,238 | (119,039)
Personal Lending |  |  |  |
Segment, Reconciliation of Other Items from Segments to Consolidated [Line Items] |  |  |  |
Contribution Profit | 147,429 | 80,834 | 255,394 | 166,104
Borrower acquisition costs | 57,249 | 21,231 | 102,390 | 44,425
Borrower verification and servicing costs | 32,624 | 26,480 | 62,098 | 53,430
Personal Lending | Operating Segments |  |  |  |
Segment, Reconciliation of Other Items from Segments to Consolidated [Line Items] |  |  |  |
Contribution Profit | 147,429 | 80,834 | 255,394 | 166,104
Other Contribution Profit/(Loss) | (6,886) | (4,717) | (12,479) | (8,845)
Sales and marketing, net of borrower acquisition costs | (12,170) | (9,741) | (22,578) | (20,072)
Customer operations, net of borrower verification and servicing costs | (6,947) | (7,486) | (12,907) | (14,787)
Engineering and product development | (68,825) | (58,453) | (126,663) | (121,544)
General, administrative, and other | (64,573) | (53,021) | (125,131) | (110,634)
Interest income, interest expense, and fair value adjustments, net | 16,514 | (2,902) | 44,410 | (13,176)
Other income, net | 1,114 | 1,031 | 3,192 | 3,915
Net income (loss) before income taxes | 5,656 | (54,455) | 3,238 | (119,039)
Borrower acquisition costs | 60,900 | 23,200 | 109,500 | 48,000
Borrower verification and servicing costs | $ 39,300 | $ 31,200 | $ 73,800 | $ 63,300

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