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Consolidated Statements of Income - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2022
Dec. 31, 2021
Dec. 31, 2020
Revenue:      
Consumer loans, including past due fees $ 786,235 $ 518,783 $ 410,616
Fees and related income on earning assets 217,071 194,466 133,960
Other revenue 42,798 30,606 15,431
Total operating revenue, net 1,046,104 743,855 560,007
Other non-operating revenue 809 4,201 3,403
Total revenue 1,046,913 748,056 563,410
Interest expense (81,851) (54,127) (51,548)
Provision for losses on loans, interest and fees receivable recorded at amortized cost (1,252) (36,455) (142,719)
Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value (577,069) (218,733) (108,548)
Net margin 386,741 438,741 260,595
Operating expense:      
Salaries and benefits 43,063 34,024 29,079
Card and loan servicing 95,428 75,397 63,047
Marketing and solicitation 62,403 56,635 35,012
Depreciation 2,175 1,493 1,247
Other 34,400 22,180 17,819
Total operating expense 237,469 189,729 146,204
Loss on repurchase and redemption of convertible senior notes 0 29,439 0
Income before income taxes 149,272 219,573 114,391
Income tax expense (14,660) (41,784) (20,474)
Net income 134,612 177,789 93,917
Net loss attributable to noncontrolling interests 985 113 203
Net income attributable to controlling interests 135,597 177,902 94,120
Preferred dividends and discount accretion (25,076) (22,363) (17,070)
Net income attributable to common shareholders $ 110,521 $ 155,539 $ 77,050
Net income attributable to common shareholders per common share—basic (in dollars per share) $ 7.55 $ 10.32 $ 5.32
Net income attributable to common shareholders per common share—diluted (in dollars per share) $ 5.83 $ 7.56 $ 3.95