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UNAUDITED CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($)
shares in Thousands, $ in Thousands
 3 Months Ended
Mar. 31, 2025
Mar. 31, 2024
Revenues:    
Interest income $ 101,933 $ 84,288
Mark to finance receivables measured at fair value 3,500 5,000
Other income 1,441 2,456
Total revenues 106,874 91,744
Expenses:    
Employee costs 25,033 24,416
General and administrative 13,542 13,753
Interest 54,918 41,968
Provision for credit losses (979) (1,635)
Sales 5,911 4,870
Occupancy 1,398 1,600
Depreciation and amortization 249 215
Total expenses 100,072 85,187
Income before income tax expense 6,802 6,557
Income tax expense 2,108 1,967
Net income $ 4,694 $ 4,590
Earnings per share:    
Basic $ 0.22 $ 0.22
Diluted $ 0.19 $ 0.19
Number of shares used in computing earnings per share:    
Basic 21,444 21,143
Diluted 24,325 24,602