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Note 3 - Segment Reporting (Tables)

12 Months Ended

Dec. 31, 2024

Notes Tables

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

Year Ended December 31, 2024		CaaS				Auto Finance				Total
Revenue and other income:
Consumer loans, including past due fees		$	939,514			$	40,300			$	979,814
Fees and related income on earning assets			269,688				83				269,771
Other revenue			59,561				809				60,370
Total operating revenue and other income			1,268,763				41,192				1,309,955
Other non-operating income			334				1,155				1,489
Total revenue and other income			1,269,097				42,347				1,311,444
Interest expense			(157,178	)			(2,995	)			(160,173	)
Provision for credit losses			(5,832	)			(10,536	)			(16,368	)
Changes in fair value of loans			(733,471	)			—				(733,471	)
Net margin			372,616				28,816				401,432
Operating expenses:
Salaries and benefits			(45,283	)			(4,860	)			(50,143	)
Card and loan servicing			(105,149	)			(13,251	)			(118,400	)
Marketing and solicitation			(56,062	)			(124	)			(56,186	)
Depreciation			(2,641	)			(74	)			(2,715	)
Other			(31,082	)			(4,329	)			(35,411	)
Total operating expenses			(240,217	)			(22,638	)			(262,855	)
Income before income taxes			132,399				6,178				138,577
Total assets		$	3,181,428			$	89,279			$	3,270,707

Year Ended December 31, 2023		CaaS				Auto Finance				Total
Revenue and other income:
Consumer loans, including past due fees		$	839,995			$	39,128			$	879,123
Fees and related income on earning assets			238,691				84				238,775
Other revenue			36,524				824				37,348
Total operating revenue and other income			1,115,210				40,036				1,155,246
Other non-operating income			422				208				630
Total revenue and other income			1,115,632				40,244				1,155,876
Interest expense			(105,990	)			(3,352	)			(109,342	)
Provision for credit losses			—				(2,152	)			(2,152	)
Changes in fair value of loans			(689,577	)			—				(689,577	)
Net margin			320,065				34,740				354,805
Operating expenses:
Salaries and benefits			(38,894	)			(5,012	)			(43,906	)
Card and loan servicing			(87,772	)			(12,848	)			(100,620	)
Marketing and solicitation			(52,301	)			(120	)			(52,421	)
Depreciation			(2,508	)			(52	)			(2,560	)
Other			(22,068	)			(4,672	)			(26,740	)
Total operating expenses			(203,543	)			(22,704	)			(226,247	)
Income before income taxes			116,522				12,036				128,558
Total assets		$	2,602,615			$	103,830			$	2,706,445

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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