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Condensed Consolidated Statements of Financial Condition - USD ($)
$ in Thousands
Sep. 30, 2025
Dec. 31, 2024
Assets    
Cash and cash equivalents $ 172,488 $ 199,865
Receivable portfolios, net 4,270,016 3,776,369
Property and equipment, net 82,041 80,597
Other assets 197,772 225,090
Goodwill 535,626 507,808
Total assets 5,257,943 4,789,729
Liabilities:    
Accounts payable and accrued liabilities 259,884 233,545
Borrowings 3,933,858 3,672,762
Other liabilities 111,287 116,091
Total liabilities 4,305,029 4,022,398
Commitments and contingencies (Note 11)
Equity:    
Convertible preferred stock, $0.01 par value, 5,000 shares authorized, no shares issued and outstanding 0 0
Common stock, $0.01 par value, 75,000 shares authorized, 22,854 and 23,691 shares issued and outstanding as of September 30, 2025 and December 31, 2024, respectively 229 237
Additional paid-in capital 0 19,297
Accumulated earnings 1,083,975 909,927
Accumulated other comprehensive loss (131,290) (162,130)
Total stockholders’ equity 952,914 767,331
Total liabilities and stockholders’ equity 5,257,943 4,789,729
Variable Interest Entity    
Assets    
Cash and cash equivalents 35,300 23,875
Receivable portfolios, net 1,009,105 895,704
Other assets 3,972 3,699
Liabilities:    
Accounts payable and accrued liabilities 3,034 2,946
Borrowings 692,416 599,830
Other liabilities $ 2,986 $ 887