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Segment Reporting
 9 Months Ended
Sep. 30, 2025
Segment Reporting [Abstract]  
Segment Reporting

Note 13. Segment Reporting

The Company has one reportable segment: consumer finance. Consolidated net income is the measure used by the CODM in evaluating the segment profit or loss of the Company. The CODM either reviews or is otherwise regularly provided with amounts for the following measures in the Company’s financial results for the periods indicated:

 

 

 

Three Months Ended September 30,

 

 

Nine Months Ended September 30,

 

Dollars in thousands

 

2025

 

 

2024

 

 

2025

 

 

2024

 

Interest income

 

$

138,173

 

 

$

124,533

 

 

$

395,186

 

 

$

363,087

 

Fee income

 

 

10,499

 

 

 

9,399

 

 

 

30,734

 

 

 

27,561

 

Insurance income, net

 

 

11,391

 

 

 

7,422

 

 

 

34,187

 

 

 

28,903

 

Other income

 

 

5,424

 

 

 

4,984

 

 

 

15,789

 

 

 

14,120

 

Provision for credit losses

 

 

60,474

 

 

 

54,349

 

 

 

179,053

 

 

 

154,574

 

Share-based compensation expense

 

 

2,760

 

 

 

3,724

 

 

 

9,059

 

 

 

8,824

 

Depreciation and amortization expense

 

 

2,849

 

 

 

2,301

 

 

 

7,546

 

 

 

6,834

 

Interest expense

 

 

21,971

 

 

 

19,356

 

 

 

62,168

 

 

 

54,725

 

Income tax expense

 

 

4,618

 

 

 

2,502

 

 

 

10,116

 

 

 

10,007

 

As part of the CODM’s review and evaluation process for allocating resources, the CODM is provided with consolidated expenses and total assets as noted on the face of the Company’s Consolidated Statements of Comprehensive Income and Consolidated Balance Sheets, respectively.

The Company’s balance sheet expenditures for long-lived assets either reviewed by the CODM or otherwise regularly provided to the CODM are included in the Company’s Consolidated Statements of Cash Flows. These expenditures are represented as “Purchases of intangible assets,” “Purchases of property and equipment,” and “Operating leases paid” within the referenced statements.