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Note 3 - Segment Reporting (Tables)

9 Months Ended

Sep. 30, 2022

Notes Tables

Schedule of Segment Reporting Information, by Segment [Table Text Block]

Three Months Ended September 30, 2022		CaaS				Auto Finance				Total
Revenue:
Consumer loans, including past due fees		$	208,881			$	9,135			$	218,016
Fees and related income on earning assets			48,493				25				48,518
Other revenue			11,103				237				11,340
Other non-operating revenue			58				22				80
Total revenue			268,535				9,419				277,954
Interest expense			(20,898	)			(616	)			(21,514	)
Provision for losses on loans, interest and fees receivable recorded at net realizable value			—				(381	)			(381	)
Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value			(163,624	)			—				(163,624	)
Net margin		$	84,013			$	8,422			$	92,435
Income before income taxes		$	36,163			$	3,153			$	39,316
Income tax expense		$	(6,055	)		$	(891	)		$	(6,946	)

Nine Months Ended September 30, 2022		CaaS				Auto Finance				Total
Revenue:
Consumer loans, including past due fees		$	548,174			$	26,195			$	574,369
Fees and related income on earning assets			168,992				63				169,055
Other revenue			33,270				746				34,016
Other non-operating revenue			321				59				380
Total revenue			750,757				27,063				777,820
Interest expense			(56,613	)			(1,236	)			(57,849	)
Provision for losses on loans, interest and fees receivable recorded at net realizable value			—				(710	)			(710	)
Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value			(414,863	)			—				(414,863	)
Net margin		$	279,281			$	25,117			$	304,398
Income (loss) before income taxes		$	119,740			$	(250	)		$	119,490
Income tax (expense) benefit		$	(8,637	)		$	69			$	(8,568	)
Total assets		$	2,158,183			$	94,148			$	2,252,331

Three Months Ended September 30, 2021		CaaS				Auto Finance				Total
Revenue:
Consumer loans, including past due fees		$	132,747			$	8,430			$	141,177
Fees and related income on earning assets			54,065				20				54,085
Other revenue			8,315				340				8,655
Other non-operating revenue			—				32				32
Total revenue			195,127				8,822				203,949
Interest expense			(12,109	)			(261	)			(12,370	)
Provision for losses on loans, interest and fees receivable recorded at net realizable value			(9,192	)			(46	)			(9,238	)
Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value			(58,727	)			—				(58,727	)
Net margin		$	115,099			$	8,515			$	123,614
Income before income taxes		$	55,134			$	2,744			$	57,878
Income tax expense		$	(10,117	)		$	(664	)		$	(10,781	)

Nine Months Ended September 30, 2021		CaaS				Auto Finance				Total
Revenue:
Consumer loans, including past due fees		$	341,113			$	25,014			$	366,127
Fees and related income on earning assets			140,603				55				140,658
Other revenue			19,552				994				20,546
Other non-operating revenue			3,404				54				3,458
Total revenue			504,672				26,117				530,789
Interest expense			(37,668	)			(790	)			(38,458	)
Provision for losses on loans, interest and fees receivable recorded at net realizable value			(24,495	)			26				(24,469	)
Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value			(144,981	)			—				(144,981	)
Net margin		$	297,528			$	25,353			$	322,881
Income before income taxes		$	148,410			$	8,208			$	156,618
Income tax expense		$	(26,670	)		$	(1,998	)		$	(28,668	)
Total assets		$	1,400,701			$	82,243			$	1,482,944

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.

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