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Consolidated Statements of Income (Unaudited) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2022
Sep. 30, 2021
Sep. 30, 2022
Sep. 30, 2021
Revenue:        
Consumer loans, including past due fees $ 218,016 $ 141,177 $ 574,369 $ 366,127
Fees and related income on earning assets 48,518 54,085 169,055 140,658
Other revenue 11,340 8,655 34,016 20,546
Total operating revenue, net 277,874 203,917 777,440 527,331
Other non-operating revenue 80 32 380 3,458
Total revenue 277,954 203,949 777,820 530,789
Interest expense (21,514) (12,370) (57,849) (38,458)
Provision for losses on loans, interest and fees receivable recorded at net realizable value (381) (9,238) (710) (24,469)
Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value (163,624) (58,727) (414,863) (144,981)
Net margin 92,435 123,614 304,398 322,881
Operating expense:        
Salaries and benefits 10,363 8,455 31,888 24,577
Card and loan servicing 24,775 19,239 71,447 54,838
Marketing and solicitation 11,053 16,462 51,857 40,441
Depreciation 488 268 1,630 900
Other 6,440 5,128 28,086 16,068
Total operating expense 53,119 49,552 184,908 136,824
Loss on repurchase and redemption of convertible senior notes 0 16,184 0 29,439
Income before income taxes 39,316 57,878 119,490 156,618
Income tax expense (6,946) (10,781) (8,568) (28,668)
Net income 32,370 47,097 110,922 127,950
Net loss (income) attributable to noncontrolling interests 201 (123) 684 (25)
Net income attributable to controlling interests 32,571 46,974 111,606 127,925
Preferred dividends and discount accretion (6,296) (6,629) (18,759) (16,054)
Net income attributable to common shareholders $ 26,275 $ 40,345 $ 92,847 $ 111,871
Net income attributable to common shareholders per common share—basic (in dollars per share) $ 1.81 $ 2.67 $ 6.32 $ 7.41
Net income attributable to common shareholders per common share—diluted (in dollars per share) $ 1.41 $ 1.96 $ 4.85 $ 5.43