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Consolidated Statements of Income (Unaudited) - USD ($)
$ in Millions
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Revenue:        
Finance charges $ 539.4 $ 507.6 $ 1,606.8 $ 1,474.5
Premiums earned 24.1 25.1 71.7 71.3
Other income 18.9 17.6 58.8 50.7
Total revenue 582.4 550.3 1,737.3 1,596.5
Costs and expenses:        
Salaries and wages 85.5 77.3 257.8 231.6
General and administrative 36.3 29.0 103.6 75.9
Sales and marketing 24.8 23.1 76.2 72.4
Operating Expenses 146.6 129.4 437.6 379.9
Provision for Credit Losses on Forecast Changes 88.1 105.9 265.7 430.9
Provision for Credit Losses on New Consumer Loan Assignments 63.9 78.8 220.8 260.4
Provision for Credit Losses 152.0 184.7 486.5 691.3
Interest 116.3 111.2 349.1 308.2
Provision for claims 18.6 18.5 54.5 55.8
Loss on extinguishment of debt 0.0 0.0 1.2 0.0
Loss on sale of building 0.0 0.0 0.0 23.7
Total costs and expenses 433.5 443.8 1,328.9 1,458.9
Income before provision for income taxes 148.9 106.5 408.4 137.6
Provision for income taxes 40.7 27.7 106.5 41.6
Net income $ 108.2 $ 78.8 $ 301.9 $ 96.0
Net income per share:        
Basic (in usd per share) $ 9.62 $ 6.42 $ 25.95 $ 7.78
Diluted (in usd per share) $ 9.43 $ 6.35 $ 25.50 $ 7.68
Weighted average shares outstanding:        
Basic (in shares) 11,248,227 12,274,685 11,634,670 12,345,739
Diluted (in shares) 11,472,729 12,415,143 11,837,887 12,494,011