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v3.24.3

Note 3 - Segment Reporting - Summary of Operating Segment Information (Details) - USD ($) $ in Thousands | 3 Months Ended | 9 Months Ended |
--- | --- | --- | ---
Sep. 30, 2024 | Sep. 30, 2023 | Sep. 30, 2024 | Sep. 30, 2023 | Dec. 31, 2023
Consumer loans, including past due fees | $ 255,389 | $ 224,682 | $ 728,112 | $ 654,425 |
Fees and related income on earning assets | 78,572 | 59,853 | 185,983 | 167,084 |
Other revenue | 16,993 | 10,378 | 42,674 | 25,137 |
Total operating revenue | 350,954 | 294,913 | 956,769 | 846,646 |
Other non-operating revenue | 270 | (6) | 1,184 | 140 |
Total revenue | 351,224 | 294,907 | 957,953 | 846,786 |
Interest expense | (42,492) | (28,274) | (115,503) | (76,723) |
Provision for credit losses | (4,633) | (538) | (9,323) | (1,551) |
Changes in fair value of loans | (203,739) | (177,854) | (549,161) | (505,505) |
Net margin | 100,360 | 88,241 | 283,966 | 263,007 |
Income (loss) before income taxes | 37,286 | 31,758 | 98,710 | 97,853 |
Income tax (expense) benefit | (8,097) | (6,785) | (19,575) | (22,172) |
Assets | 3,039,964 | 2,596,901 | 3,039,964 | 2,596,901 | $ 2,706,445
Credit and Other Investments [Member] |  |  |  |  |
Consumer loans, including past due fees | 245,332 | 214,596 | 697,385 | 625,393 |
Fees and related income on earning assets | 78,552 | 59,831 | 185,921 | 167,022 |
Other revenue | 16,793 | 10,180 | 42,052 | 24,522 |
Total operating revenue | 340,677 | 284,607 | 925,358 | 816,937 |
Other non-operating revenue | (31) | (69) | 330 | 34 |
Total revenue | 340,646 | 284,538 | 925,688 | 816,971 |
Interest expense | (41,803) | (27,394) | (113,165) | (74,217) |
Provision for credit losses | 0 | 0 | 0 | 0 |
Changes in fair value of loans | (203,739) | (177,854) | (549,161) | (505,505) |
Net margin | 95,104 | 79,290 | 263,362 | 237,249 |
Income (loss) before income taxes | 37,769 | 28,455 | 95,763 | 89,191 |
Income tax (expense) benefit | (8,237) | (5,944) | (18,814) | (19,857) |
Assets | 2,945,030 | 2,493,946 | 2,945,030 | 2,493,946 |
Auto Finance [Member] |  |  |  |  |
Consumer loans, including past due fees | 10,057 | 10,086 | 30,727 | 29,032 |
Fees and related income on earning assets | 20 | 22 | 62 | 62 |
Other revenue | 200 | 198 | 622 | 615 |
Total operating revenue | 10,277 | 10,306 | 31,411 | 29,709 |
Other non-operating revenue | 301 | 63 | 854 | 106 |
Total revenue | 10,578 | 10,369 | 32,265 | 29,815 |
Interest expense | (689) | (880) | (2,338) | (2,506) |
Provision for credit losses | (4,633) | (538) | (9,323) | (1,551) |
Changes in fair value of loans | 0 | 0 | 0 | 0 |
Net margin | 5,256 | 8,951 | 20,604 | 25,758 |
Income (loss) before income taxes | (483) | 3,303 | 2,947 | 8,662 |
Income tax (expense) benefit | 140 | (841) | (761) | (2,315) |
Assets | $ 94,934 | $ 102,955 | $ 94,934 | $ 102,955 |

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- Definition Fees and related income on earning assets primarily include: (1) lending fees; (2) fees associated with our credit card receivables; (3) changes in the fair value of loans and fees receivable; (4) changes in fair value of notes payable associated with structured financings; (5) income on investments in previously charged-off receivables; (6) gross profits and losses from auto sales; (7) gains associated with investments in securities; and (8) gains realized associated with our settlement of litigation. + References No definition available. + Details
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