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Note 3 - Segment Reporting (Tables) | 6 Months Ended
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Jun. 30, 2024
Notes Tables |
Schedule of Segment Reporting Information, by Segment [Table Text Block] |
Three Months Ended June 30, 2024 |  | CaaS |  |  | Auto Finance |  |  | Total |
Revenue: |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans, including past due fees |  | $ | 232,014 |  |  | $ | 10,335 |  |  | $ | 242,349 |
Fees and related income on earning assets |  |  | 59,484 |  |  |  | 22 |  |  |  | 59,506 |
Other revenue |  |  | 13,582 |  |  |  | 204 |  |  |  | 13,786 |
Total operating revenue |  |  | 305,080 |  |  |  | 10,561 |  |  |  | 315,641 |
Other non-operating revenue |  |  | 79 |  |  |  | 303 |  |  |  | 382 |
Total revenue |  |  | 305,159 |  |  |  | 10,864 |  |  |  | 316,023 |
Interest expense |  |  | (37,126 | ) |  |  | (822 | ) |  |  | (37,948 | )
Provision for credit losses |  |  | — |  |  |  | (1,746 | ) |  |  | (1,746 | )
Changes in fair value of loans |  |  | (186,251 | ) |  |  | — |  |  |  | (186,251 | )
Net margin |  | $ | 81,782 |  |  | $ | 8,296 |  |  | $ | 90,078 |
Income before income taxes |  | $ | 26,180 |  |  | $ | 2,423 |  |  | $ | 28,603 |
Income tax expense |  | $ | (3,836 | ) |  | $ | (640 | ) |  | $ | (4,476 | )
Six Months Ended June 30, 2024 |  | CaaS |  |  | Auto Finance |  |  | Total |
Revenue: |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans, including past due fees |  | $ | 452,053 |  |  | $ | 20,670 |  |  | $ | 472,723 |
Fees and related income on earning assets |  |  | 107,369 |  |  |  | 42 |  |  |  | 107,411 |
Other revenue |  |  | 25,259 |  |  |  | 422 |  |  |  | 25,681 |
Total operating revenue |  |  | 584,681 |  |  |  | 21,134 |  |  |  | 605,815 |
Other non-operating revenue |  |  | 361 |  |  |  | 553 |  |  |  | 914 |
Total revenue |  |  | 585,042 |  |  |  | 21,687 |  |  |  | 606,729 |
Interest expense |  |  | (71,362 | ) |  |  | (1,649 | ) |  |  | (73,011 | )
Provision for credit losses |  |  | — |  |  |  | (4,690 | ) |  |  | (4,690 | )
Changes in fair value of loans |  |  | (345,422 | ) |  |  | — |  |  |  | (345,422 | )
Net margin |  | $ | 168,258 |  |  | $ | 15,348 |  |  | $ | 183,606 |
Income before income taxes |  | $ | 57,994 |  |  | $ | 3,430 |  |  | $ | 61,424 |
Income tax expense |  | $ | (10,577 | ) |  | $ | (901 | ) |  | $ | (11,478 | )
Total assets |  | $ | 2,733,909 |  |  | $ | 103,352 |  |  | $ | 2,837,261 |
Three Months Ended June 30, 2023 |  | CaaS |  |  | Auto Finance |  |  | Total |
Revenue: |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans, including past due fees |  | $ | 210,268 |  |  | $ | 9,774 |  |  | $ | 220,042 |
Fees and related income on earning assets |  |  | 62,852 |  |  |  | 22 |  |  |  | 62,874 |
Other revenue |  |  | 7,627 |  |  |  | 208 |  |  |  | 7,835 |
Total operating revenue |  |  | 280,747 |  |  |  | 10,004 |  |  |  | 290,751 |
Other non-operating revenue |  |  | 89 |  |  |  | (2 | ) |  |  | 87 |
Total revenue |  |  | 280,836 |  |  |  | 10,002 |  |  |  | 290,838 |
Interest expense |  |  | (23,363 | ) |  |  | (852 | ) |  |  | (24,215 | )
Provision for credit losses |  |  | — |  |  |  | (309 | ) |  |  | (309 | )
Changes in fair value of loans |  |  | (177,829 | ) |  |  | — |  |  |  | (177,829 | )
Net margin |  | $ | 79,644 |  |  | $ | 8,841 |  |  | $ | 88,485 |
Income before income taxes |  | $ | 28,883 |  |  | $ | 3,130 |  |  | $ | 32,013 |
Income tax expense |  | $ | (6,346 | ) |  | $ | (853 | ) |  | $ | (7,199 | )
Six Months Ended June 30, 2023 |  | CaaS |  |  | Auto Finance |  |  | Total |
Revenue: |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans, including past due fees |  | $ | 410,797 |  |  | $ | 18,946 |  |  | $ | 429,743 |
Fees and related income on earning assets |  |  | 107,191 |  |  |  | 40 |  |  |  | 107,231 |
Other revenue |  |  | 14,342 |  |  |  | 417 |  |  |  | 14,759 |
Total operating revenue |  |  | 532,330 |  |  |  | 19,403 |  |  |  | 551,733 |
Other non-operating revenue |  |  | 103 |  |  |  | 43 |  |  |  | 146 |
Total revenue |  |  | 532,433 |  |  |  | 19,446 |  |  |  | 551,879 |
Interest expense |  |  | (46,823 | ) |  |  | (1,626 | ) |  |  | (48,449 | )
Provision for credit losses |  |  | — |  |  |  | (1,013 | ) |  |  | (1,013 | )
Changes in fair value of loans |  |  | (327,651 | ) |  |  | — |  |  |  | (327,651 | )
Net margin |  | $ | 157,959 |  |  | $ | 16,807 |  |  | $ | 174,766 |
Income before income taxes |  | $ | 60,736 |  |  | $ | 5,359 |  |  | $ | 66,095 |
Income tax expense |  | $ | (13,913 | ) |  | $ | (1,474 | ) |  | $ | (15,387 | )
Total assets |  | $ | 2,355,177 |  |  | $ | 99,525 |  |  | $ | 2,454,702 |

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