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Consolidated Balance Sheets - USD ($)
$ in Thousands
Sep. 30, 2025
Dec. 31, 2024
Assets    
Cash $ 4,084 $ 3,951
Net finance receivables 2,053,017 1,892,535
Unearned insurance premiums (50,987) (48,068)
Allowance for credit losses (212,000) (199,500)
Net finance receivables, less unearned insurance premiums and allowance for credit losses 1,790,030 1,644,967
Restricted cash 104,459 131,684
Lease assets 40,782 38,442
Intangible assets 30,385 24,524
Restricted AFS investments 22,344 21,712
Property and equipment 12,996 13,677
Deferred tax assets, net 587 9,286
Other assets 22,599 20,866
Total assets 2,028,266 1,909,109
Liabilities:    
Debt 1,581,992 1,478,336
Unamortized debt issuance costs [1] (7,521) (6,338)
Net debt 1,574,471 1,471,998
Lease liabilities 42,906 40,579
Other liabilities 38,971 39,454
Total liabilities 1,656,348 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, 15,225 shares issued and 9,962 shares outstanding at September 30, 2025 and 14,921 shares issued and 10,010 shares outstanding at December 31, 2024) 1,522 1,492
Additional paid-in capital 139,868 130,725
Retained earnings 400,844 378,482
Accumulated other comprehensive income (loss) (10) 62
Treasury stock (5,417 shares at September 30, 2025 and 4,911 shares at December 31, 2024) (170,306) (153,683)
Total stockholders’ equity 371,918 357,078
Total liabilities and stockholders’ equity $ 2,028,266 $ 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 $2.2 million in such costs as of both September 30, 2025 and December 31, 2024.