XML 33 R22.htm IDEA: XBRL DOCUMENT v3.25.2

Note 2 - Significant Accounting Policies and Condensed Financial Statement Components (Tables)

6 Months Ended

Jun. 30, 2025

Notes Tables

Financing Receivable, Current, Allowance for Credit Loss [Table Text Block]

For the Three Months Ended June 30,		2025												2024
		Notes Receivable				Auto Finance				Total				Notes Receivable				Auto Finance				Total
Allowance for credit losses:
Balance at beginning of period		$	(5.9	)		$	(4.8	)		$	(10.7	)		$	—			$	(3.4	)		$	(3.4	)
Provision for credit losses(1)			(0.2	)			(1.2	)			(1.4	)			—				(1.7	)			(1.7	)
Charge-offs			—				1.7				1.7				—				3.4				3.4
Recoveries			—				(0.6	)			(0.6	)			—				(0.7	)			(0.7	)
Balance at end of period		$	(6.1	)		$	(4.9	)		$	(11.0	)		$	—			$	(2.4	)		$	(2.4	)

For the Six Months Ended June 30,		2025												2024
		Notes Receivable				Auto Finance				Total				Notes Receivable				Auto Finance				Total
Allowance for credit losses:
Balance at beginning of period		$	(5.9	)		$	(4.9	)		$	(10.8	)		$	—			$	(1.8	)		$	(1.8	)
Provision for credit losses(1)			(0.2	)			(2.3	)			(2.5	)			—				(4.7	)			(4.7	)
Charge-offs			—				3.5				3.5				—				5.3				5.3
Recoveries			—				(1.2	)			(1.2	)			—				(1.2	)			(1.2	)
Balance at end of period		$	(6.1	)		$	(4.9	)		$	(11.0	)		$	—			$	(2.4	)		$	(2.4	)

		June 30,				December 31,
As of		2025				2024
Allowance for credit losses:
Balance of Notes Receivable at end of period individually evaluated for impairment		$	(5.9	)		$	(5.9	)
Balance of Auto Finance at end of period individually evaluated for impairment		$	(1.0	)		$	(1.2	)
Balance of Auto Finance at end of period collectively evaluated for impairment		$	(3.9	)		$	(3.7	)
Loans at amortized cost:
Loans at amortized cost		$	106.6			$	109.0
Loans at amortized cost individually evaluated for impairment		$	1.5			$	1.5
Loans at amortized cost collectively evaluated for impairment		$	105.1			$	107.5

Financing Receivable, Past Due [Table Text Block]

		June 30,				December 31,
As of		2025				2024
30-59 days past due		$	6.6			$	7.6
60-89 days past due			2.4				3.2
90 or more days past due			3.7				4.7
Delinquent loans at amortized cost			12.7				15.5
Current loans at amortized cost			93.9				93.5
Total loans at amortized cost		$	106.6			$	109.0
Balance of loans greater than 90-days delinquent still accruing interest and fees		$	2.4			$	3.7

Disaggregation of Revenue [Table Text Block]

For the Three Months Ended June 30, 2025		CaaS				Auto Finance				Total
Interchange revenues, net (1)		$	5,973			$	—			$	5,973
Servicing income			5,436				165				5,601
Service charges and other customer related fees			11,603				8				11,611
Total Other revenue			23,012				173				23,185
Merchant fees (2)			62,546				—				62,546
Total revenue from contracts with customers		$	85,558			$	173			$	85,731

For the Six Months Ended June 30, 2025		CaaS				Auto Finance				Total
Interchange revenues, net (1)		$	10,679			$	—			$	10,679
Servicing income			9,410				335				9,745
Service charges and other customer related fees			21,621				17				21,638
Total Other revenue			41,710				352				42,062
Merchant fees (2)			96,123				—				96,123
Total revenue from contracts with customers		$	137,833			$	352			$	138,185

For the Three Months Ended June 30, 2024		CaaS				Auto Finance				Total
Interchange revenues, net (1)		$	4,783			$	—			$	4,783
Servicing income			1,849				190				2,039
Service charges and other customer related fees			6,948				16				6,964
Total Other revenue			13,580				206				13,786
Merchant fees (2)			42,797				—				42,797
Total revenue from contracts with customers		$	56,377			$	206			$	56,583

For the Six Months Ended June 30, 2024		CaaS				Auto Finance				Total
Interchange revenues, net (1)		$	9,447			$	—			$	9,447
Servicing income			3,184				390				3,574
Service charges and other customer related fees			12,627				33				12,660
Total Other revenue			25,258				423				25,681
Merchant fees (2)			67,061				—				67,061
Total revenue from contracts with customers		$	92,319			$	423			$	92,742

X

- Definition

Tabular disclosure of disaggregation of revenue into categories depicting how nature, amount, timing, and uncertainty of revenue and cash flows are affected by economic factor.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 606
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 5
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479806/606-10-50-5

+ Details

Name:	us-gaap_DisaggregationOfRevenueTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	dtr-types:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of aging analysis for financing receivable.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 14
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479319/326-20-50-14

Reference 2: http://www.xbrl.org/2003/role/exampleRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 80
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479294/326-20-55-80

+ Details

Name:	us-gaap_PastDueFinancingReceivablesTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	dtr-types:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of allowance for credit loss of financing receivable, classified as current.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 13
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479319/326-20-50-13

+ Details

Name:	us-gaap_ScheduleOfCreditLossesForFinancingReceivablesCurrentTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	dtr-types:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- References

No definition available.

+ Details

Name:	us-gaap_TableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	xbrli:stringItemType
Balance Type:	na
Period Type:	duration