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Goodwill and Intangible Assets

12 Months Ended

Dec. 31, 2025

Goodwill and Intangible Assets Disclosure [Abstract]

Goodwill and Intangible Assets

14 — Goodwill and Intangible Assets

Goodwill

As of December 31, 2025 and 2024 goodwill was $114.2 million and $114.1 million, respectively, with the year-over-year change the result of changes in foreign currency exchange rates.

Intangible Assets

The cost and accumulated amortization of intangible assets as of December 31, 2025 and 2024 are as follows:

						December 31, 2025
						Weighted average useful life						Gross carrying amount						Accumulated amortization						Net carrying amount
												in thousands
Internally developed software						3.4						$	155,933					$	(102,326)					$	53,607
Renewal rights						10.0						21,740						(10,693)						11,047
Trade names and trademarks						14.2						11,867						(4,402)						7,465
State licenses (1)						Indefinite						11,263						—						11,263
Relationships and customer lists						15.5						7,913						(2,380)						5,533
Other						3.5						580						(580)						—
Total intangible assets												$	209,296					$	(120,381)					$	88,915

(1)    Represents certain state licenses related to the acquisition of Drivers Edge. Refer to Note 11 — Acquisition for additional details.

						December 31, 2024
						Weighted average useful life						Gross carrying amount						Accumulated amortization						Net carrying amount
												in thousands
Internally developed software						3.3						$	136,235					$	(82,903)					$	53,332
Renewal rights						9.9						19,187						(8,458)						10,729
Trade names and trademarks						14.1						12,061						(3,393)						8,668
State licenses (1)						Indefinite						11,263						—						11,263
Relationships and customer lists						15.4						7,975						(1,896)						6,079
Other						4.2						1,065						(1,029)						36
Total intangible assets												$	187,786					$	(97,679)					$	90,107

(1)    Represents certain state licenses related to the acquisition of Drivers Edge. Refer to Note 11 — Acquisition for additional details.

Intangible asset amortization expense was $23.5 million, $26.7 million, and $28.6 million for the years ended December 31, 2025, 2024, and 2023, respectively.

Estimated future aggregate amortization expense related to intangible assets as of December 31, 2025 is as follows:

			in thousands
2026			$	23,559
2027			21,093
2028			15,450
2029			6,292
2030			2,615
Thereafter			8,643
Total			$	77,652

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- References

No definition available.

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- Definition

The entire disclosure for goodwill and intangible assets.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 350
-SubTopic 30
-Name Accounting Standards Codification
-Publisher FASB
-URI https://asc.fasb.org/350-30/tableOfContent

Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 350
-SubTopic 20
-Name Accounting Standards Codification
-Publisher FASB
-URI https://asc.fasb.org/350-20/tableOfContent

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