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Segment Reporting
 3 Months Ended
Mar. 31, 2026
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 March 31,

 

Dollars in thousands

 

2026

 

 

2025

 

Interest income

 

$

140,242

 

 

$

126,769

 

Fee income

 

 

10,054

 

 

 

9,784

 

Insurance income, net

 

 

11,810

 

 

 

11,297

 

Other income

 

 

5,184

 

 

 

5,117

 

Provision for credit losses

 

 

64,868

 

 

 

57,992

 

Share-based compensation expense

 

 

1,899

 

 

 

3,501

 

Depreciation and amortization expense

 

 

3,102

 

 

 

2,300

 

Interest expense

 

 

22,923

 

 

 

19,771

 

Income tax expense

 

 

3,434

 

 

 

2,154

 

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.