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Consolidated Balance Sheets - USD ($)
$ in Thousands
Mar. 31, 2026
Dec. 31, 2025
Assets    
Cash $ 4,859 $ 3,823
Net finance receivables 2,104,001 2,140,199
Unearned insurance premiums (51,044) (52,896)
Allowance for credit losses (219,500) (220,900)
Net finance receivables, less unearned insurance premiums and allowance for credit losses 1,833,457 1,866,403
Restricted cash 98,364 94,174
Lease assets 44,174 43,828
Intangible assets 33,172 31,781
Restricted AFS investments 24,390 24,211
Property and equipment 12,980 13,156
Other assets 21,354 26,554
Total assets 2,072,750 2,103,930
Liabilities:    
Debt 1,621,398 1,650,764
Unamortized debt issuance costs [1] (7,048) (8,591)
Net debt 1,614,350 1,642,173
Lease liabilities 46,324 45,968
Deferred tax liability, net 3,883 3,345
Accounts payable and accrued expenses 32,344 39,352
Total liabilities 1,696,901 1,730,838
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, 15,160 shares issued and 9,338 shares outstanding at March 31, 2026 and 15,168 shares issued and 9,554 shares outstanding at December 31, 2025) 1,516 1,517
Additional paid-in capital 140,555 138,666
Retained earnings 419,197 410,721
Accumulated other comprehensive loss (31) (2)
Treasury stock (5,822 shares at March 31, 2026 and 5,614 shares at December 31, 2025) (185,388) (177,810)
Total stockholders’ equity 375,849 373,092
Total liabilities and stockholders’ equity $ 2,072,750 $ 2,103,930
[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 $1.5 million and $1.8 million in such costs as of March 31, 2026 and December 31, 2025, respectively.