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Segment Information
 9 Months Ended
Sep. 30, 2024
Segment Reporting [Abstract]  
Segment Information Segment Information
ASC 280, Segment Reporting, requires reporting of segment information that is consistent with the manner in which the chief operating decision maker operates and views the Company. Our operations are grouped into two operating segments: Marketplace and Finance, which also serve as our reportable business segments. These reportable business segments offer different services and have fundamental differences in their operations.
Financial information regarding our reportable segments is set forth below as of and for the three months ended September 30, 2024 (in millions):
MarketplaceFinanceConsolidated
Operating revenues$354.3 $94.1 $448.4 
Operating expenses   
Cost of services (exclusive of depreciation and amortization)235.2 16.8 252.0 
Selling, general and administrative87.7 11.7 99.4 
Depreciation and amortization20.6 3.2 23.8 
Total operating expenses343.5 31.7 375.2 
Operating profit
10.8 62.4 73.2 
Interest expense4.6 30.7 35.3 
Other (income) expense, net(3.6)— (3.6)
Income from continuing operations before income taxes
9.8 31.7 41.5 
Income taxes5.0 8.1 13.1 
Income from continuing operations
$4.8 $23.6 $28.4 
Total assets$2,076.8 $2,549.0 $4,625.8 
Financial information regarding our reportable segments is set forth below as of and for the three months ended September 30, 2023 (in millions):
MarketplaceFinanceConsolidated
Operating revenues$316.6 $99.7 $416.3 
Operating expenses   
Cost of services (exclusive of depreciation and amortization)199.3 16.7 216.0 
Selling, general and administrative94.8 12.6 107.4 
Depreciation and amortization23.8 2.6 26.4 
Total operating expenses317.9 31.9 349.8 
Operating profit (loss)(1.3)67.8 66.5 
Interest expense5.2 34.2 39.4 
Other (income) expense, net1.2 0.5 1.7 
Intercompany expense (income)9.6 (9.6)— 
Income (loss) from continuing operations before income taxes(17.3)42.7 25.4 
Income taxes2.0 10.7 12.7 
Income (loss) from continuing operations$(19.3)$32.0 $12.7 
Total assets$2,005.8 $2,723.5 $4,729.3 
Financial information regarding our reportable segments is set forth below for the nine months ended September 30, 2024 (in millions):
MarketplaceFinanceConsolidated
Operating revenues$1,008.6 $287.9 $1,296.5 
Operating expenses
Cost of services (exclusive of depreciation and amortization)661.4 50.4 711.8 
Selling, general and administrative276.5 37.6 314.1 
Depreciation and amortization63.3 8.9 72.2 
Total operating expenses1,001.2 96.9 1,098.1 
Operating profit
7.4 191.0 198.4 
Interest expense17.2 95.2 112.4 
Other (income) expense, net(2.9)— (2.9)
Intercompany expense (income)13.3 (13.3)— 
Income (loss) from continuing operations before income taxes(20.2)109.1 88.9 
Income taxes4.0 27.3 31.3 
Income (loss) from continuing operations$(24.2)$81.8 $57.6 
Financial information regarding our reportable segments is set forth below for the nine months ended September 30, 2023 (in millions):
MarketplaceFinanceConsolidated
Operating revenues$957.0 $296.8 $1,253.8 
Operating expenses
Cost of services (exclusive of depreciation and amortization)613.2 49.6 662.8 
Selling, general and administrative288.9 37.7 326.6 
Depreciation and amortization69.5 6.7 76.2 
  Goodwill and other intangibles impairment 250.8 — 250.8 
Total operating expenses1,222.4 94.0 1,316.4 
Operating profit (loss)(265.4)202.8 (62.6)
Interest expense19.9 96.6 116.5 
Other (income) expense, net(12.8)0.3 (12.5)
Loss on extinguishment of debt1.1 — 1.1 
Intercompany expense (income)24.1 (24.1)— 
Income (loss) from continuing operations before income taxes(297.7)130.0 (167.7)
Income taxes(37.9)38.6 0.7 
Income (loss) from continuing operations$(259.8)$91.4 $(168.4)
Geographic Information
Our foreign operations include Canada, Continental Europe and the U.K. Approximately 51% and 53% of our foreign operating revenues were from Canada for the three and nine months ended September 30, 2024, respectively, and approximately 58% and 60% of our foreign operating revenues were from Canada for the three and nine months ended September 30, 2023, respectively. Most of the remaining foreign operating revenues were generated from Continental Europe. Information regarding the geographic areas of our operations is set forth below (in millions):
 Three Months Ended September 30,Nine Months Ended September 30,
 2024202320242023
Operating revenues  
U.S. $251.9 $259.0 $755.7 $781.8 
Foreign196.5 157.3 540.8 472.0 
$448.4 $416.3 $1,296.5 $1,253.8