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Segment Information (Tables)

6 Months Ended

Jun. 30, 2025

Segment Reporting [Abstract]

Schedule of financial information regarding the entity's reportable segments

Financial information regarding our reportable segments is set forth below for the three months ended June 30, 2025 (in millions):

			Marketplace						Finance						Consolidated
Operating revenues			$	375.5					$	106.2					$	481.7
Operating expenses
Cost of services (exclusive of depreciation and amortization)			236.6						17.8						254.4
Finance interest expense			—						26.9						26.9
Provision for credit losses			0.2						8.5						8.7
Selling, general and administrative			99.9						14.4						114.3
Depreciation and amortization			19.9						3.1						23.0
Loss on sale of property			7.0						—						7.0
Total operating expenses															434.3
Operating profit			11.9						35.5						47.4
Interest expense															3.1
Other (income) expense, net															(7.4)
Income from continuing operations before income taxes															51.7
Income taxes															18.3
Income from continuing operations															$	33.4

Financial information regarding our reportable segments is set forth below for the three months ended June 30, 2024 (in millions):

			Marketplace						Finance						Consolidated
Operating revenues			$	336.0					$	107.8					$	443.8
Operating expenses
Cost of services (exclusive of depreciation and amortization)			229.1						16.8						245.9
Finance interest expense			—						31.9						31.9
Provision for credit losses			1.3						12.0						13.3
Selling, general and administrative			92.7						12.0						104.7
Depreciation and amortization			21.1						3.0						24.1
Total operating expenses															419.9
Operating profit (loss)			(8.2)						32.1						23.9
Interest expense															5.5
Other expense (income), net															0.2
Income from continuing operations before income taxes															18.2
Income taxes															7.5
Income from continuing operations															$	10.7

Financial information regarding our reportable segments is set forth below as of and for the six months ended June 30, 2025 (in millions):

			Marketplace						Finance						Consolidated
Operating revenues			$	726.7					$	215.1					$	941.8
Operating expenses
Cost of services (exclusive of depreciation and amortization)			461.1						34.9						496.0
Finance interest expense			—						54.5						54.5
Provision for credit losses			0.5						17.5						18.0
Selling, general and administrative			194.6						26.9						221.5
Depreciation and amortization			39.6						6.1						45.7
Loss on sale of property			7.0						—						7.0
Total operating expenses															842.7
Operating profit			23.9						75.2						99.1
Interest expense															7.1
Other (income) expense, net															(12.4)
Income from continuing operations before income taxes															104.4
Income taxes															34.1
Income from continuing operations															$	70.3
Total assets			$	1,924.7					$	2,713.6					$	4,638.3
Capital expenditures			$	24.2					$	1.9					$	26.1

Financial information regarding our reportable segments is set forth below as of and for the six months ended June 30, 2024 (in millions):

			Marketplace						Finance						Consolidated
Operating revenues			$	654.3					$	219.4					$	873.7
Operating expenses
Cost of services (exclusive of depreciation and amortization)			426.2						33.6						459.8
Finance interest expense			—						64.5						64.5
Provision for credit losses			3.5						25.6						29.1
Selling, general and administrative			185.3						25.9						211.2
Depreciation and amortization			42.7						5.7						48.4
Total operating expenses															813.0
Operating profit (loss)			(3.4)						64.1						60.7
Interest expense															12.6
Other expense (income), net															0.7
Income from continuing operations before income taxes															47.4
Income taxes															18.2
Income from continuing operations															$	29.2
Total assets			$	2,039.6					$	2,578.2					$	4,617.8
Capital expenditures			$	23.7					$	2.2					$	25.9

Schedule of information regarding the geographic areas of entity's operations

Information regarding the geographic areas of our operations is set forth below (in millions):

			Three Months Ended   June 30,												Six Months Ended June 30,
			2025						2024						2025						2024
Operating revenues
U.S.			$	272.6					$	257.4					$	542.9					$	529.4
Foreign			209.1						186.4						398.9						344.3
			$	481.7					$	443.8					$	941.8					$	873.7

			June 30, 2025						December 31, 2024
Long-lived assets
U.S.			$	987.8					$	1,006.1
Foreign			745.7						764.8
			$	1,733.5					$	1,770.9

X

- Definition

Tabular disclosure of information concerning material long-lived assets (excluding financial instruments, customer relationships with financial institutions, mortgage and other servicing rights, deferred policy acquisition costs, and deferred taxes assets) located in identified geographic areas and/or the amount of revenue from external customers attributed to that country from which revenue is material. An entity may also provide subtotals of geographic information about groups of countries.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Topic 220
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 2
-Subparagraph (SX 210.5-03(1))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147483621/220-10-S99-2

Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 41
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-41

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X

- Definition

Tabular disclosure of the profit or loss and total assets for each reportable segment. An entity discloses certain information on each reportable segment if the amounts (a) are included in the measure of segment profit or loss reviewed by the chief operating decision maker or (b) are otherwise regularly provided to the chief operating decision maker, even if not included in that measure of segment profit or loss.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 25
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-25

Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 22
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-22

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-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 30
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-30

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