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v3.26.1

Segment Reporting (Details) - USD ($) $ in Thousands | 3 Months Ended
--- | ---
Mar. 31, 2026 | Mar. 31, 2025
Segment Reporting |  |
Number of reportable segments not disclosed flag | true |
Portfolio revenue | $ 164,663 | $ 142,314
Credit card revenue | 1,735 | 1,898
Servicing revenue | 10,041 | 10,731
Total Revenues | 176,439 | 154,943
Provision for credit losses | 624 | 542
Salaries and benefits | 22,375 | 14,022
Servicing expenses | 65,578 | 42,791
Depreciation and amortization | 872 | 1,608
Professional fees | 2,281 | 2,165
Other selling, general and administrative | 4,524 | 4,549
Net Operating Income | 80,185 | 89,266
Other Income / (Expense): |  |
Interest expense | (30,578) | (24,819)
Foreign exchange and other income / (expense) | 1,449 | 2,459
Total other expense | (29,129) | (22,360)
Income Before Income Taxes | 51,056 | 66,906
United States |  |
Segment Reporting |  |
Portfolio revenue | 127,210 | 111,747
Credit card revenue | 723 | 664
Servicing revenue | 1,782 | 4,538
Total Revenues | 129,715 | 116,949
Provision for credit losses | 457 | 332
Salaries and benefits | 16,327 | 8,917
Servicing expenses | 54,571 | 33,451
Depreciation and amortization | 594 | 1,259
Professional fees | 1,713 | 1,632
Other selling, general and administrative | 3,266 | 3,559
Net Operating Income | 52,788 | 67,799
United Kingdom |  |
Segment Reporting |  |
Portfolio revenue | 9,354 | 4,485
Servicing revenue | 7,774 | 5,866
Total Revenues | 17,128 | 10,351
Salaries and benefits | 4,373 | 3,680
Servicing expenses | 4,702 | 3,977
Depreciation and amortization | 81 | 83
Professional fees | 204 | 224
Other selling, general and administrative | 722 | 592
Net Operating Income | 7,046 | 1,795
Canada |  |
Segment Reporting |  |
Portfolio revenue | 16,136 | 16,110
Credit card revenue | 1,012 | 1,234
Servicing revenue | 485 | 327
Total Revenues | 17,633 | 17,671
Provision for credit losses | 167 | 210
Salaries and benefits | 1,341 | 1,312
Servicing expenses | 2,343 | 2,332
Depreciation and amortization | 189 | 257
Professional fees | 73 | 91
Other selling, general and administrative | 341 | 328
Net Operating Income | 13,179 | 13,141
Latin America |  |
Segment Reporting |  |
Portfolio revenue | 11,963 | 9,972
Total Revenues | 11,963 | 9,972
Salaries and benefits | 332 | 113
Servicing expenses | 3,963 | 3,031
Depreciation and amortization | 9 | 9
Professional fees | 291 | 218
Other selling, general and administrative | 196 | 70
Net Operating Income | $ 7,172 | $ 6,531

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