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Consolidated Statements of Operations and Comprehensive Income (unaudited) - USD ($)
shares in Thousands, $ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Revenues [Abstract]        
Total revenue $ 116,796 $ 69,958 $ 320,410 $ 172,905
Operating Expenses        
Personnel 14,320 13,423 41,049 37,185
Transaction expense 17,435 12,761 46,995 35,290
Third-party technology and data 3,705 2,387 10,507 6,724
Marketing, advertising, and tradeshows 8,775 2,726 22,893 4,376
General and administrative 4,823 2,417 11,800 7,319
Provision for credit losses 32,177 15,402 65,624 30,636
Total operating expenses 81,235 49,116 198,868 121,530
Operating Income 35,561 20,842 121,542 51,375
Other Income (Expense)        
Net interest expense (3,923) (3,328) (10,338) (10,321)
Other income (expense), net (6) 95 106 55
Fair value adjustment on warrants 0 0 0 (1,261)
Loss on extinguishment of line of credit 0 0 0 (260)
Income before taxes 31,632 17,609 111,310 39,588
Income tax expense (benefit) 4,961 2,163 20,871 (13,567)
Net Income 26,671 15,446 90,439 53,155
Other Comprehensive Income (Loss)        
Foreign currency translation adjustment (339) 72 483 (2)
Total Comprehensive Income $ 26,332 $ 15,518 $ 90,922 $ 53,153
Net income per share        
Basic (in usd per share) [1] $ 0.78 $ 0.46 $ 2.67 $ 1.58
Diluted (in usd per share) [1] $ 0.75 $ 0.44 $ 2.55 $ 1.49
Weighted-average shares outstanding        
Basic (in shares) [1] 34,048 33,272 33,878 33,725
Diluted (in shares) [1] 35,675 35,435 35,448 35,689
[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.