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Condensed Consolidated Statements of Income (Unaudited) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2024
Jun. 30, 2023
Jun. 30, 2024
Jun. 30, 2023
Revenue:        
Consumer loans, including past due fees $ 242,349 $ 220,042 $ 472,723 $ 429,743
Fees and related income on earning assets 59,506 62,874 107,411 107,231
Other revenue 13,786 7,835 25,681 14,759
Total operating revenue 315,641 290,751 605,815 551,733
Other non-operating revenue 382 87 914 146
Total revenue 316,023 290,838 606,729 551,879
Interest expense (37,948) (24,215) (73,011) (48,449)
Provision for credit losses (1,746) (309) (4,690) (1,013)
Changes in fair value of loans (186,251) (177,829) (345,422) (327,651)
Net margin 90,078 88,485 183,606 174,766
Operating expenses:        
Salaries and benefits (11,973) (10,629) (25,285) (21,233)
Card and loan servicing (27,698) (23,814) (54,520) (48,149)
Marketing and solicitation (13,572) (14,486) (24,000) (24,892)
Depreciation (653) (643) (1,307) (1,261)
Other (7,579) (6,900) (17,070) (13,136)
Total operating expenses (61,475) (56,472) (122,182) (108,671)
Income before income taxes 28,603 32,013 61,424 66,095
Income tax expense (4,476) (7,199) (11,478) (15,387)
Net income 24,127 24,814 49,946 50,708
Net loss attributable to noncontrolling interests 153 275 504 593
Net income attributable to controlling interests 24,280 25,089 50,450 51,301
Preferred stock and preferred unit dividends and discount accretion (6,308) (6,289) (12,600) (12,516)
Net income attributable to common shareholders $ 17,972 $ 18,800 $ 37,850 $ 38,785
Net income attributable to common shareholders per common share—basic (in dollars per share) $ 1.22 $ 1.3 $ 2.57 $ 2.68
Net income attributable to common shareholders per common share—diluted (in dollars per share) $ 0.99 $ 1.02 $ 2.08 $ 2.11