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UNAUDITED CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2022
Sep. 30, 2021
Sep. 30, 2022
Sep. 30, 2021
Revenues:        
Interest income $ 79,817 $ 67,018 $ 225,547 $ 198,551
Mark to finance receivables measured at fair value 8,183 0 15,283 (4,417)
Other income 2,305 1,547 5,859 4,312
Total revenues 90,305 68,565 246,689 198,446
Expenses:        
Employee costs 20,671 18,170 63,414 57,777
General and administrative 9,408 7,455 25,920 23,034
Interest 23,483 18,334 58,654 58,260
Provision for credit losses (6,000) (1,590) (23,400) (1,590)
Sales 5,962 4,288 17,186 12,475
Occupancy 2,031 1,952 5,820 5,870
Depreciation and amortization 406 409 1,207 1,254
Total operating expenses 55,961 49,018 148,801 157,080
Income before income tax expense 34,344 19,547 97,888 41,366
Income tax expense 8,931 5,864 26,040 12,807
Net income $ 25,413 $ 13,683 $ 71,848 $ 28,559
Earnings per share:        
Basic $ 1.22 $ 0.59 $ 3.39 $ 1.25
Diluted $ 0.95 $ 0.52 $ 2.61 $ 1.12
Number of shares used in computing earnings per share:        
Basic 20,911 23,011 21,166 22,866
Diluted 26,654 26,218 27,512 25,439