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Note 3 - Segment Reporting (Tables) | 6 Months Ended
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Jun. 30, 2022
Notes Tables |
Schedule of Segment Reporting Information, by Segment [Table Text Block] |
Three Months Ended June 30, 2022 |  | CaaS |  |  | Auto Finance |  |  | Total |
Revenue: |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans, including past due fees |  | $ | 182,828 |  |  | $ | 8,719 |  |  | $ | 191,547 |
Fees and related income on earning assets |  |  | 65,819 |  |  |  | 20 |  |  |  | 65,839 |
Other revenue |  |  | 12,169 |  |  |  | 241 |  |  |  | 12,410 |
Other non-operating revenue |  |  | 228 |  |  |  | 11 |  |  |  | 239 |
Total revenue |  |  | 261,044 |  |  |  | 8,991 |  |  |  | 270,035 |
Interest expense |  |  | (18,552 | ) |  |  | (373 | ) |  |  | (18,925 | )
Provision for losses on loans, interest and fees receivable recorded at net realizable value |  |  | — |  |  |  | (182 | ) |  |  | (182 | )
Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value |  |  | (146,559 | ) |  |  | — |  |  |  | (146,559 | )
Net margin |  | $ | 95,933 |  |  | $ | 8,436 |  |  | $ | 104,369 |
Income before income taxes |  | $ | 39,979 |  |  | $ | 2,561 |  |  | $ | 42,540 |
Income tax expense |  | $ | (8,100 | ) |  | $ | (643 | ) |  | $ | (8,743 | )
Six Months Ended June 30, 2022 |  | CaaS |  |  | Auto Finance |  |  | Total |
Revenue: |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans, including past due fees |  | $ | 339,293 |  |  | $ | 17,060 |  |  | $ | 356,353 |
Fees and related income on earning assets |  |  | 120,499 |  |  |  | 38 |  |  |  | 120,537 |
Other revenue |  |  | 22,167 |  |  |  | 509 |  |  |  | 22,676 |
Other non-operating revenue |  |  | 263 |  |  |  | 37 |  |  |  | 300 |
Total revenue |  |  | 482,222 |  |  |  | 17,644 |  |  |  | 499,866 |
Interest expense |  |  | (35,715 | ) |  |  | (620 | ) |  |  | (36,335 | )
Provision for losses on loans, interest and fees receivable recorded at net realizable value |  |  | — |  |  |  | (329 | ) |  |  | (329 | )
Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value |  |  | (251,239 | ) |  |  | — |  |  |  | (251,239 | )
Net margin |  | $ | 195,268 |  |  | $ | 16,695 |  |  | $ | 211,963 |
Income (loss) before income taxes |  | $ | 83,577 |  |  | $ | (3,403 | ) |  | $ | 80,174 |
Income tax (expense) benefit |  | $ | (2,582 | ) |  | $ | 960 |  |  | $ | (1,622 | )
Total assets |  | $ | 2,025,867 |  |  | $ | 90,587 |  |  | $ | 2,116,454 |
Three Months Ended June 30, 2021 |  | CaaS |  |  | Auto Finance |  |  | Total |
Revenue: |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans, including past due fees |  | $ | 114,256 |  |  | $ | 8,398 |  |  | $ | 122,654 |
Fees and related income on earning assets |  |  | 49,535 |  |  |  | 18 |  |  |  | 49,553 |
Other revenue |  |  | 6,999 |  |  |  | 313 |  |  |  | 7,312 |
Other non-operating revenue |  |  | 2,569 |  |  |  | 17 |  |  |  | 2,586 |
Total revenue |  |  | 173,359 |  |  |  | 8,746 |  |  |  | 182,105 |
Interest expense |  |  | (13,515 | ) |  |  | (275 | ) |  |  | (13,790 | )
Provision for losses on loans, interest and fees receivable recorded at net realizable value |  |  | (11,296 | ) |  |  | 200 |  |  |  | (11,096 | )
Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value |  |  | (58,763 | ) |  |  | — |  |  |  | (58,763 | )
Net margin |  | $ | 89,785 |  |  | $ | 8,671 |  |  | $ | 98,456 |
Income before income taxes |  | $ | 43,972 |  |  | $ | 2,971 |  |  | $ | 46,943 |
Income tax expense |  | $ | (9,390 | ) |  | $ | (727 | ) |  | $ | (10,117 | )
Six Months Ended June 30, 2021 |  | CaaS |  |  | Auto Finance |  |  | Total |
Revenue: |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans, including past due fees |  | $ | 208,366 |  |  | $ | 16,584 |  |  | $ | 224,950 |
Fees and related income on earning assets |  |  | 86,538 |  |  |  | 35 |  |  |  | 86,573 |
Other revenue |  |  | 11,237 |  |  |  | 654 |  |  |  | 11,891 |
Other non-operating revenue |  |  | 3,404 |  |  |  | 22 |  |  |  | 3,426 |
Total revenue |  |  | 309,545 |  |  |  | 17,295 |  |  |  | 326,840 |
Interest expense |  |  | (25,559 | ) |  |  | (529 | ) |  |  | (26,088 | )
Provision for losses on loans, interest and fees receivable recorded at net realizable value |  |  | (15,303 | ) |  |  | 72 |  |  |  | (15,231 | )
Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value |  |  | (86,254 | ) |  |  | — |  |  |  | (86,254 | )
Net margin |  | $ | 182,429 |  |  | $ | 16,838 |  |  | $ | 199,267 |
Income before income taxes |  | $ | 93,276 |  |  | $ | 5,464 |  |  | $ | 98,740 |
Income tax expense |  | $ | (16,553 | ) |  | $ | (1,334 | ) |  | $ | (17,887 | )
Total assets |  | $ | 1,338,017 |  |  | $ | 81,834 |  |  | $ | 1,419,851 |

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