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v3.25.4

Acquisitions (Details) $ in Thousands |  |  | 12 Months Ended |  |
--- | --- | --- | --- | --- | ---
Dec. 04, 2025 USD ($) | Dec. 03, 2024 USD ($) | Dec. 31, 2025 USD ($) employee | Dec. 31, 2024 USD ($) | Dec. 31, 2023 USD ($) | Jan. 31, 2025 employee | Dec. 04, 2024 employee
Allocation of purchase price: |  |  |  |  |  |  |
Cash and cash equivalents |  |  | $ 23,231 | $ 35,506 | $ 14,371 |  |
Prepaid expenses and other assets: |  |  |  |  |  |  |
Lease (ROU asset) |  |  | 3,658 | 4,449 |  |  |
Accounts payable and accrued expenses |  |  |  |  |  |  |
Operating lease liabilities |  |  | 4,179 | 4,860 |  |  |
Portfolio revenue |  |  | 566,417 | 395,885 | 293,574 |  |
Servicing revenue |  |  | 39,676 | 29,118 | 20,678 |  |
Net Operating Income |  |  | 316,495 | 220,267 | $ 164,051 |  |
Bluestem Receivables Asset Acquisition |  |  |  |  |  |  |
Acquisitions |  |  |  |  |  |  |
Transaction costs | $ 200 |  |  |  |  |  |
Secure implementation obligations | 20,000 |  |  |  |  |  |
Purchase Price: |  |  |  |  |  |  |
Total purchase consideration paid | 196,303 |  |  |  |  |  |
Investments in receivables, net: |  |  |  |  |  |  |
Unpaid principal balance | 407,718 |  |  |  |  |  |
Allowance for credit losses at time of acquisition | (304,792) |  |  |  |  |  |
Non-credit premium / (discount) | 93,376 |  |  |  |  |  |
Total investments in receivables, net | $ 196,303 |  |  |  |  |  |
Accounts payable and accrued expenses |  |  |  |  |  |  |
Portfolio revenue |  |  | 5,400 |  |  |  |
Net Operating Income |  |  | $ 2,500 |  |  |  |
Conn's Portfolio Purchase |  |  |  |  |  |  |
Acquisitions |  |  |  |  |  |  |
Number of former employees hired | employee |  |  | 91 |  |  | 197 | 197
Purchase Price: |  |  |  |  |  |  |
Total purchase consideration paid |  | $ 244,937 |  |  |  |  |
Allocation of purchase price: |  |  |  |  |  |  |
Cash and cash equivalents |  | 1,224 |  |  |  |  |
Investments in receivables, net: |  |  |  |  |  |  |
Unpaid principal balance |  | 566,696 |  |  |  |  |
Allowance for credit losses at time of acquisition |  | (251,317) |  |  |  |  |
Non-credit premium / (discount) |  | (89,316) |  |  |  |  |
Investment in previously charged-off receivables |  | 11,964 |  |  |  |  |
Total investments in receivables, net |  | 238,028 |  |  |  |  |
Prepaid expenses and other assets: |  |  |  |  |  |  |
Lease (ROU asset) |  | 789 |  |  |  |  |
Information Technology Hardware |  | 413 |  |  |  |  |
Total prepaid expenses and other assets: |  | 1,202 |  |  |  |  |
Other intangible assets: |  |  |  |  |  |  |
Total other intangible assets |  | 5,272 |  |  |  |  |
Accounts payable and accrued expenses |  |  |  |  |  |  |
Operating lease liabilities |  | 789 |  |  |  |  |
Total net assets acquired |  | $ 244,937 |  |  |  |  |
Portfolio revenue |  |  | $ 95,800 | 9,400 |  |  |
Servicing revenue |  |  | 10,000 | 1,900 |  |  |
Net Operating Income |  |  | $ 73,200 | $ 3,100 |  |  |
Conn's Portfolio Purchase | Information technology hardware |  |  |  |  |  |  |
Accounts payable and accrued expenses |  |  |  |  |  |  |
Estimated useful life |  | 36 months |  |  |  |  |
Conn's Portfolio Purchase | Intellectual property |  |  |  |  |  |  |
Other intangible assets: |  |  |  |  |  |  |
Total other intangible assets |  | $ 2,881 |  |  |  |  |
Accounts payable and accrued expenses |  |  |  |  |  |  |
Acquired intangible assets weighted average amortization period |  | 31 months |  |  |  |  |
Conn's Portfolio Purchase | Assembled workforce |  |  |  |  |  |  |
Other intangible assets: |  |  |  |  |  |  |
Total other intangible assets |  | $ 2,391 |  |  |  |  |
Accounts payable and accrued expenses |  |  |  |  |  |  |
Acquired intangible assets weighted average amortization period |  | 31 months |  |  |  |  |

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