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CONSOLIDATED STATEMENTS OF INCOME - USD ($)
shares in Thousands, $ in Thousands
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Revenues:      
Interest income $ 363,962 $ 329,219 $ 305,237
Mark to finance receivables measured at fair value 21,000 12,000 15,283
Other income 8,544 10,795 9,189
Total revenues 393,506 352,014 329,709
Expenses:      
Employee costs 96,192 88,148 84,282
General and administrative 54,710 50,001 37,618
Interest 191,257 146,631 87,524
Provision for credit losses (5,307) (22,300) (28,100)
Sales 22,752 21,216 23,039
Occupancy 5,609 6,374 7,535
Depreciation and amortization 862 847 1,618
Total operating expenses 366,075 290,917 213,516
Income before income tax expense (benefit) 27,431 61,097 116,193
Income tax expense (benefit) 8,228 15,754 30,210
Net income $ 19,203 $ 45,343 $ 85,983
Earnings per share:      
Basic $ 0.90 $ 2.17 $ 4.10
Diluted $ 0.79 $ 1.80 $ 3.23
Number of shares used in computing earnings per share:      
Basic 21,292 20,896 20,958
Diluted 24,325 25,218 26,589