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Note 3 - Segment Reporting (Tables)

9 Months Ended

Sep. 30, 2024

Notes Tables

Schedule of Segment Reporting Information, by Segment [Table Text Block]

Three Months Ended September 30, 2024		CaaS				Auto Finance				Total
Revenue:
Consumer loans, including past due fees		$	245,332			$	10,057			$	255,389
Fees and related income on earning assets			78,552				20				78,572
Other revenue			16,793				200				16,993
Total operating revenue			340,677				10,277				350,954
Other non-operating revenue			(31	)			301				270
Total revenue			340,646				10,578				351,224
Interest expense			(41,803	)			(689	)			(42,492	)
Provision for credit losses			—				(4,633	)			(4,633	)
Changes in fair value of loans			(203,739	)			—				(203,739	)
Net margin		$	95,104			$	5,256			$	100,360
Income (loss) before income taxes		$	37,769			$	(483	)		$	37,286
Income tax (expense) benefit		$	(8,237	)		$	140			$	(8,097	)

Nine Months Ended September 30, 2024		CaaS				Auto Finance				Total
Revenue:
Consumer loans, including past due fees		$	697,385			$	30,727			$	728,112
Fees and related income on earning assets			185,921				62				185,983
Other revenue			42,052				622				42,674
Total operating revenue			925,358				31,411				956,769
Other non-operating revenue			330				854				1,184
Total revenue			925,688				32,265				957,953
Interest expense			(113,165	)			(2,338	)			(115,503	)
Provision for credit losses			—				(9,323	)			(9,323	)
Changes in fair value of loans			(549,161	)			—				(549,161	)
Net margin		$	263,362			$	20,604			$	283,966
Income before income taxes		$	95,763			$	2,947			$	98,710
Income tax expense		$	(18,814	)		$	(761	)		$	(19,575	)
Total assets		$	2,945,030			$	94,934			$	3,039,964

Three Months Ended September 30, 2023		CaaS				Auto Finance				Total
Revenue:
Consumer loans, including past due fees		$	214,596			$	10,086			$	224,682
Fees and related income on earning assets			59,831				22				59,853
Other revenue			10,180				198				10,378
Total operating revenue			284,607				10,306				294,913
Other non-operating revenue			(69	)			63				(6	)
Total revenue			284,538				10,369				294,907
Interest expense			(27,394	)			(880	)			(28,274	)
Provision for credit losses			—				(538	)			(538	)
Changes in fair value of loans			(177,854	)			—				(177,854	)
Net margin		$	79,290			$	8,951			$	88,241
Income before income taxes		$	28,455			$	3,303			$	31,758
Income tax expense		$	(5,944	)		$	(841	)		$	(6,785	)

Nine Months Ended September 30, 2023		CaaS				Auto Finance				Total
Revenue:
Consumer loans, including past due fees		$	625,393			$	29,032			$	654,425
Fees and related income on earning assets			167,022				62				167,084
Other revenue			24,522				615				25,137
Total operating revenue			816,937				29,709				846,646
Other non-operating revenue			34				106				140
Total revenue			816,971				29,815				846,786
Interest expense			(74,217	)			(2,506	)			(76,723	)
Provision for credit losses			—				(1,551	)			(1,551	)
Changes in fair value of loans			(505,505	)			—				(505,505	)
Net margin		$	237,249			$	25,758			$	263,007
Income before income taxes		$	89,191			$	8,662			$	97,853
Income tax expense		$	(19,857	)		$	(2,315	)		$	(22,172	)
Total assets		$	2,493,946			$	102,955			$	2,596,901

X

- Definition

Tabular disclosure of the profit or loss and total assets for each reportable segment. An entity discloses certain information on each reportable segment if the amounts (a) are included in the measure of segment profit or loss reviewed by the chief operating decision maker or (b) are otherwise regularly provided to the chief operating decision maker, even if not included in that measure of segment profit or loss.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 25
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-25

Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 22
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-22

Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 30
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-30

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- References

No definition available.

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