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UNAUDITED CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2021
Sep. 30, 2020
Sep. 30, 2021
Sep. 30, 2020
Revenues:        
Interest income $ 67,018 $ 72,582 $ 198,551 $ 227,271
Mark to finance receivables measured at fair value 0 (3,152) (4,417) (23,051)
Other income 1,547 1,239 4,312 4,508
Total revenues 68,565 70,669 198,446 208,728
Expenses:        
Employee costs 18,170 19,155 57,777 60,826
General and administrative 7,455 7,846 23,034 24,352
Interest 18,334 24,901 58,260 78,377
Provision for credit losses (1,590) 7,400 (1,590) 14,113
Sales 4,288 3,202 12,475 10,710
Occupancy 1,952 1,838 5,870 5,362
Depreciation and amortization 409 438 1,254 1,344
Total operating expenses 49,018 64,780 157,080 195,084
Income before income tax expense (benefit) 19,547 5,889 41,366 13,644
Income tax expense (benefit) 5,864 2,121 12,807 (3,888)
Net income $ 13,683 $ 3,768 $ 28,559 $ 17,532
Earnings per share:        
Basic $ 0.59 $ 0.17 $ 1.25 $ 0.77
Diluted $ 0.52 $ 0.16 $ 1.12 $ 0.74
Number of shares used in computing earnings per share:        
Basic 23,011 22,666 22,866 22,630
Diluted 26,218 23,908 25,439 23,825