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Consolidated Statements of Operations and Comprehensive Income (unaudited) - USD ($)
shares in Thousands, $ in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Jun. 30, 2025
Jun. 30, 2024
Revenues [Abstract]        
Total revenue $ 98,702 $ 55,969 $ 203,614 $ 102,947
Operating Expenses        
Personnel 11,681 12,737 26,729 23,762
Transaction expense 14,243 10,742 29,560 22,529
Third-party technology and data 3,428 2,180 6,802 4,337
Marketing, advertising, and tradeshows 8,772 995 14,118 1,650
General and administrative 3,846 2,522 6,977 4,902
Provision for credit losses 20,646 10,094 33,447 15,234
Total operating expenses 62,616 39,270 117,633 72,414
Operating Income 36,086 16,699 85,981 30,533
Other Income (Expense)        
Net interest expense (3,501) (2,911) (6,415) (6,993)
Other income (expense), net 87 51 112 (40)
Fair value adjustment on warrants 0 0 0 (1,261)
Loss on extinguishment of line of credit 0 (260) 0 (260)
Income before taxes 32,672 13,579 79,678 21,979
Income tax expense (benefit) 5,068 (16,123) 15,910 (15,730)
Net Income 27,604 29,702 63,768 37,709
Other Comprehensive Income (Loss)        
Foreign currency translation adjustment 729 (75) 822 (74)
Total Comprehensive Income $ 28,333 $ 29,627 $ 64,590 $ 37,635
Net income per share        
Basic (in usd per share) [1] $ 0.82 $ 0.87 $ 1.89 $ 1.11
Diluted (in usd per share) [1] $ 0.78 $ 0.82 $ 1.80 $ 1.05
Weighted-average shares outstanding        
Basic (in shares) [1] 33,733 33,961 33,792 33,952
Diluted (in shares) [1] 35,507 36,147 35,510 35,880
[1] Effective March 28, 2025, we performed a 6-for-1 stock split of the Company’s common stock, affected through a stock dividend. Share and per share amounts have been retroactively adjusted.