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Condensed Consolidated Statements of Income (Unaudited) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2024
Sep. 30, 2023
Sep. 30, 2024
Sep. 30, 2023
Revenue:        
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
Operating expenses:        
Salaries and benefits (12,299) (11,360) (37,584) (32,593)
Card and loan servicing (28,069) (25,864) (82,589) (74,013)
Marketing and solicitation (14,848) (12,599) (38,848) (37,491)
Depreciation (656) (647) (1,963) (1,908)
Other (7,202) (6,013) (24,272) (19,149)
Total operating expenses (63,074) (56,483) (185,256) (165,154)
Income before income taxes 37,286 31,758 98,710 97,853
Income tax (expense) benefit (8,097) (6,785) (19,575) (22,172)
Net income 29,189 24,973 79,135 75,681
Net loss attributable to noncontrolling interests 354 267 858 860
Net income attributable to controlling interests 29,543 25,240 79,993 76,541
Preferred stock and preferred unit dividends and discount accretion (6,316) (6,341) (18,916) (18,857)
Net income attributable to common shareholders $ 23,227 $ 18,899 $ 61,077 $ 57,684
Net income attributable to common shareholders per common share—basic (in dollars per share) $ 1.58 $ 1.3 $ 4.15 $ 3.99
Net income attributable to common shareholders per common share—diluted (in dollars per share) $ 1.27 $ 1.03 $ 3.35 $ 3.14