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SEGMENT REPORTING (Tables)

12 Months Ended

Sep. 30, 2025

Segment Reporting [Abstract]

Segment Information of Entity

The following tables present segment data for the Company:

			Fiscal Year Ended September 30, 2025
(Dollars in thousands)			Consumer			Commercial			Corporate Services/Other			Total
Interest and dividend income			$	317,686		$	307,348		$	(101,642)		$	523,392
Interest expense			17,673			121,851			(127,926)			11,598
Net interest income			300,013			185,497			26,284			511,794
Provision for credit loss			28,587			28,059			128			56,774
Net interest income after provision for credit loss			271,426			157,438			26,156			455,020
Noninterest income			227,248			90,904			9,948			328,100
Noninterest expense
Compensation and benefits			29,764			48,419			122,312			200,495
Building and software			9,384			9,320			23,390			42,094
Operating lease equipment depreciation			—			45,636			—			45,636
Rate related card expenses			104,081			—			—			104,081
Other card expenses			34,321			—			41			34,362
Tax product expenses			12,775			—			—			12,775
Loan expenses			1,128			16,104			—			17,232
Legal and consulting			2,404			4,003			30,062			36,469
SG & A intercompany allocations			70,348			29,312			(99,660)			—
Consumer lending program expenses(1)			20,034			—			—			20,034
Other expenses			14,256			8,741			23,892			46,889
Total noninterest expense			298,495			161,535			100,037			560,067
Income (loss) before income tax expense			200,179			86,807			(63,933)			223,053
Total assets			484,988			4,345,546			2,341,810			7,172,344
Total goodwill			87,145			210,783			—			297,928
Total deposits			5,665,100			122			221,725			5,886,947
(1) Consumer lending program expenses relate to the excess interest that gets passed to our partners for loans originated and retained by the Company under the various partner programs. Refer to Derivative Instruments in Note 1. Significant Accounting Policies for additional information on these expenses.

			Fiscal Year Ended September 30, 2024
(Dollars in thousands)			Consumer			Commercial			Corporate Services/Other			Total
Interest and dividend income			$	297,411		$	310,599		$	(88,952)		$	519,058
Interest expense			17,801			116,524			(113,092)			21,233
Net interest income			279,610			194,075			24,140			497,825
Provision for credit loss			42,390			15,571			140			58,101
Net interest income after provision for credit loss			237,220			178,504			24,000			439,724
Noninterest income			217,107			71,748			10,732			299,587
Noninterest expense
Compensation and benefits			30,067			60,263			111,142			201,472
Building and software			8,259			11,725			16,603			36,587
Operating lease equipment depreciation			—			41,757			—			41,757
Rate related card expenses			110,757			—			—			110,757
Other card expenses			27,140			—			41			27,181
Tax product expenses			11,805			—			—			11,805
Loan expenses			1,284			12,130			—			13,414
Legal and consulting			3,130			6,025			15,702			24,857
SG & A intercompany allocations			62,148			30,996			(93,144)			—
Consumer lending program expenses			7,437			—			—			7,437
Other expenses			15,336			10,244			19,844			45,424
Total noninterest expense			277,363			173,140			70,188			520,691
Income (loss) before income tax expense			176,964			77,112			(35,456)			218,620
Total assets			417,843			4,440,662			2,673,512			7,532,017
Total goodwill			87,145			222,360			—			309,505
Total deposits			5,643,228			10,935			220,922			5,875,085
(1) Consumer lending program expenses relate to the excess interest that gets passed to our partners for loans originated and retained by the Company under the various partner programs. Refer to Derivative Instruments in Note 1. Significant Accounting Policies for additional information on these expenses.

			Fiscal Year Ended September 30, 2023
(Dollars in thousands)			Consumer			Commercial			Corporate Services/Other			Total
Interest and dividend income			$	186,716		$	263,415		$	(28,181)		$	421,950
Interest expense			11,401			65,960			(66,487)			10,874
Net interest income			175,315			197,455			38,306			411,076
Provision for credit loss			90,808			18,384			50			109,242
Net interest income after provision for credit loss			84,507			179,071			38,256			301,834
Noninterest income			233,544			66,051			17,004			316,599
Noninterest expense
Compensation and benefits			24,783			56,397			103,138			184,318
Building and software			7,962			11,545			15,184			34,691
Operating lease equipment depreciation			—			45,710			—			45,710
Rate related card expenses			77,355			—			—			77,355
Other card expenses			28,141			—			2			28,143
Tax product expenses			11,586			—			—			11,586
Loan expenses			306			11,589			(6)			11,889
Legal and consulting			2,297			7,140			17,665			27,102
SG & A intercompany allocations			60,636			30,240			(90,876)			—
Consumer lending program expenses			(1,588)			—			—			(1,588)
Other expenses			13,353			9,246			21,583			44,182
Total noninterest expense			224,831			171,867			66,690			463,388
Income (loss) before income tax expense			93,220			73,255			(11,430)			155,045
Total assets			445,813			4,183,624			2,873,964			7,503,401
Total goodwill			87,145			222,360			—			309,505
Total deposits			6,376,467			5,958			206,757			6,589,182
(1) Consumer lending program expenses relate to the excess interest that gets passed to our partners for loans originated and retained by the Company under the various partner programs. Refer to Derivative Instruments in Note 1. Significant Accounting Policies for additional information on these expenses.

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

Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef
-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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X

- References

No definition available.

+ Details

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