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UNAUDITED CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($)
shares in Thousands, $ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Revenues:        
Interest income $ 107,166 $ 93,158 $ 314,462 $ 265,812
Mark to finance receivables measured at fair value 0 5,500 6,500 16,000
Other income 1,255 1,922 4,098 6,391
Total revenues 108,421 100,580 325,060 288,203
Expenses:        
Employee costs 22,465 24,162 71,860 72,303
General and administrative 13,421 13,276 40,147 40,288
Interest 59,098 50,056 172,720 138,735
Provision for credit losses (712) (994) (2,472) (4,579)
Sales 5,682 5,723 17,314 16,476
Occupancy 1,228 1,292 4,000 4,250
Depreciation and amortization 207 214 705 650
Total expenses 101,389 93,729 304,274 268,123
Income before income tax expense 7,032 6,851 20,786 20,080
Income tax expense 2,179 2,055 6,442 6,022
Net income $ 4,853 $ 4,796 $ 14,344 $ 14,058
Earnings per share:        
Basic $ 0.22 $ 0.22 $ 0.66 $ 0.66
Diluted $ 0.20 $ 0.20 $ 0.59 $ 0.58
Number of shares used in computing earnings per share:        
Basic 22,209 21,343 21,852 21,250
Diluted 24,046 24,153 24,187 24,340