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Consolidated Balance Sheets - USD ($)
$ in Thousands
Mar. 31, 2025
Dec. 31, 2024
Assets    
Cash $ 4,158 $ 3,951
Net finance receivables 1,890,351 1,892,535
Unearned insurance premiums (47,107) (48,068)
Allowance for credit losses (199,100) (199,500)
Net finance receivables, less unearned insurance premiums and allowance for credit losses 1,644,144 1,644,967
Restricted cash 122,312 131,684
Lease assets 40,699 38,442
Intangible assets 26,750 24,524
Restricted AFS investments 21,687 21,712
Property and equipment 13,635 13,677
Deferred tax assets, net 9,421 9,286
Other assets 17,877 20,866
Total assets 1,900,683 1,909,109
Liabilities:    
Debt 1,477,860 1,478,336
Unamortized debt issuance costs [1] (7,924) (6,338)
Net debt 1,469,936 1,471,998
Lease liabilities 42,788 40,579
Other liabilities 30,083 39,454
Total liabilities 1,542,807 1,552,031
Commitments and contingencies (Note 12)
Stockholders’ equity:    
Preferred stock ($0.10 par value, 100,000 shares authorized, none issued or outstanding)
Common stock ($0.10 par value, 1,000,000 shares authorized, 15,187 shares issued and 10,088 shares outstanding at March 31, 2025 and 14,921 shares issued and 10,010 shares outstanding at December 31, 2024) 1,519 1,492
Additional paid-in capital 134,206 130,725
Retained earnings 382,532 378,482
Accumulated other comprehensive income (loss) (171) 62
Treasury stock (5,098 shares at March 31, 2025 and 4,911 shares at December 31, 2024) (160,210) (153,683)
Total stockholders’ equity 357,876 357,078
Total liabilities and stockholders’ equity $ 1,900,683 $ 1,909,109
[1] Unamortized debt issuance costs related to the revolving warehouse credit facilities are presented within other assets in the consolidated balance sheets. These credit facilities had $2.4 million and $2.2 million in such costs as of March 31, 2025 and December 31, 2024, respectively.