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UNAUDITED CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($)
shares in Thousands, $ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2023
Sep. 30, 2022
Sep. 30, 2023
Sep. 30, 2022
Revenues:        
Interest income $ 83,261 $ 79,817 $ 245,960 $ 225,547
Mark to finance receivables measured at fair value 6,000 8,183 6,000 15,283
Other income 2,818 2,305 8,077 5,859
Total revenues 92,079 90,305 260,037 246,689
Expenses:        
Employee costs 21,812 20,671 64,991 63,414
General and administrative 13,045 9,408 36,224 25,920
Interest 37,889 23,483 106,354 58,654
Provision for credit losses (2,000) (6,000) (20,700) (23,400)
Sales 5,330 5,962 16,517 17,186
Occupancy 1,586 2,031 4,756 5,820
Depreciation and amortization 199 406 642 1,207
Total operating expenses 77,861 55,961 208,784 148,801
Income before income tax expense 14,218 34,344 51,253 97,888
Income tax expense 3,839 8,931 13,097 26,040
Net income $ 10,379 $ 25,413 $ 38,156 $ 71,848
Earnings per share:        
Basic $ 0.49 $ 1.22 $ 1.83 $ 3.39
Diluted $ 0.41 $ 0.95 $ 1.51 $ 2.61
Number of shares used in computing earnings per share:        
Basic 21,154 20,911 20,815 21,166
Diluted 25,218 26,654 25,331 27,512