Atlanticus (ATLC) 10-K 30 Mar 20 2019 FY Annual report Financial data

Document And Entity Information

Document And Entity Information - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2019	Mar. 20, 2020	Jun. 30, 2019
Document Information [Line Items]
Entity Registrant Name	Atlanticus Holdings Corp
Entity Central Index Key	0001464343
Trading Symbol	atlc
Current Fiscal Year End Date	--12-31
Entity Filer Category	Non-accelerated Filer
Entity Current Reporting Status	Yes
Entity Voluntary Filers	No
Entity Well-known Seasoned Issuer	No
Entity Emerging Growth Company	false
Entity Small Business	true
Entity Interactive Data Current	Yes
Entity Common Stock, Shares Outstanding (in shares)		15,919,360
Entity Public Float			$ 21.7
Entity Shell Company	false
Document Type	10-K
Document Period End Date	Dec. 31, 2019
Document Fiscal Year Focus	2019
Document Fiscal Period Focus	FY
Amendment Flag	false
Title of 12(b) Security	Common stock, no par value per share

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Assets
Unrestricted cash and cash equivalents	$ 135,379	$ 60,968
Restricted cash and cash equivalents	41,015	80,786
Loans, interest and fees receivable:
Loans, interest and fees receivable, at fair value	4,386	6,306
Loans, interest and fees receivable, gross	998,209	541,344
Allowances for uncollectible loans, interest and fees receivable	(186,329)	(79,211)
Deferred revenue	(90,307)	(43,897)
Net loans, interest and fees receivable	725,959	424,542
Property at cost, net of depreciation	2,738	3,625
Investments in equity-method investee	1,957	2,476
Deposits	104	124
Operating lease right-of-use assets	14,091
Prepaid expenses and other assets	15,023	10,087
Total assets	936,266	582,608
Liabilities
Accounts payable and accrued expenses	41,617	105,765
Operating lease liabilities	22,259
Notes payable, at face value	749,209	390,927
Notes payable to related parties		40,000
Notes payable associated with structured financings, at fair value (associated with variable interest entities)	3,920	5,651
Convertible senior notes	24,091	62,142
Income tax liability	5,785	252
Total liabilities	846,881	604,737
Commitments and contingencies (Note 11)
Shareholders' Equity
Common stock, no par value, 150,000,000 shares authorized: 15,885,314 shares issued and outstanding (including 1,459,233 loaned shares to be returned) at December 31, 2019; and 15,563,574 shares issued and outstanding (including 1,459,233 loaned shares to be returned) at December 31, 2018
Paid-in capital	212,692	213,435
Accumulated other comprehensive income		3,558
Retained deficit	(211,786)	(238,784)
Total shareholders’ equity (deficit)	906	(21,791)
Noncontrolling interests	(571)	(338)
Total equity (deficit)	335	(22,129)
Total liabilities, preferred stock and shareholders' equity (deficit)	936,266	582,608
Series A Preferred Stock [Member]
Liabilities
Preferred stock, no par value, 10,000,000 shares authorized: Series A preferred stock, 400,000 shares issued and outstanding at December 31, 2019; 0 shares at December 31, 2018 (Note 4)	40,000
Series B Preferred Stock [Member]
Liabilities
Preferred stock, no par value, 10,000,000 shares authorized: Series A preferred stock, 400,000 shares issued and outstanding at December 31, 2019; 0 shares at December 31, 2018 (Note 4)	$ 49,050

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parentheticals) - USD ($) $ / shares in Thousands, $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Unrestricted cash and cash equivalents	$ 135,379	$ 60,968
Restricted cash and cash equivalents	41,015	80,786
Loans, interest and fees receivable, at fair value	4,386	6,306
Loans, interest and fees receivable, gross	998,209	541,344
Allowances for uncollectible loans, interest and fees receivable	(186,329)	(79,211)
Deferred revenue	(90,307)	(43,897)
Notes payable, at face value	$ 749,209	$ 390,927
Common stock, par value (in dollars per share)	$ 0	$ 0
Common stock, authorized (in shares)	150,000,000	150,000,000
Common stock, issued (in shares)	15,885,314	15,563,574
Common stock, outstanding (in shares)	15,885,314	15,563,574
Own-share lending arrangement, outstanding (in shares)	1,459,233	1,459,233
Series A Preferred Stock [Member]
Preferred stock, par value (in dollars per share)	$ 0	$ 0
Preferred stock, shares authorized (in shares)	10,000,000	0
Preferred stock, shares issued (in shares)	400,000	0
Preferred stock, shares outstanding (in shares)	400,000	0
Variable Interest Entity, Primary Beneficiary [Member]
Unrestricted cash and cash equivalents	$ 78,700	$ 16,800
Restricted cash and cash equivalents	25,900	61,000
Loans, interest and fees receivable, at fair value	3,900	5,700
Loans, interest and fees receivable, gross	857,200	403,400
Allowances for uncollectible loans, interest and fees receivable	(168,800)	(57,400)
Deferred revenue	(40,700)	(13,200)
Notes payable, at face value	$ 701,100	$ 366,700

Consolidated Statements of Oper

Consolidated Statements of Operations - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Interest income:
Consumer loans, including past due fees	$ 260,832	$ 160,968
Other	386	200
Total interest income	261,218	161,168
Interest expense	(50,730)	(36,896)
Net interest income before fees and related income on earning assets and provision for losses on loans, interest and fees receivable	210,488	124,272
Fees and related income on earning assets	71,147	29,992
Net losses upon impairment of loans, interest and fees receivable recorded at fair value	(897)	(549)
Provision for losses on loans, interest and fees receivable recorded at net realizable value	(248,383)	(100,338)
Net interest income, fees and related income on earning assets	32,355	53,377
Other operating income:
Servicing income	13,754	5,556
Other income	117,903	39,820
Gain on repurchase of convertible senior notes	5,127
Equity in income of equity-method investee	1,001	581
Total other operating income	125,817	42,370
Other operating expense:
Salaries and benefits	26,229	23,430
Card and loan servicing	49,459	37,145
Marketing and solicitation	36,388	12,124
Depreciation	1,137	987
Other	13,196	18,579
Total other operating expense	126,409	92,265
Income before income taxes	31,763	3,482
Income tax (expense) benefit	(5,553)	4,130
Net income	26,210	7,612
Net loss attributable to noncontrolling interests	233	244
Net income attributable to controlling interests	26,443	7,856
Preferred dividends	(1,153)
Net income attributable to common shareholders	$ 25,290	$ 7,856
Net income attributable to common shareholders per common share—basic (in dollars per share)	$ 1.74	$ 0.56
Net income attributable to common shareholders per common share—diluted (in dollars per share)	$ 1.66	$ 0.56
Servicing Income [Member]
Other operating income:
Servicing income	$ 1,786	$ 1,969

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Net income	$ 26,210	$ 7,612
Other comprehensive income (loss):
Foreign currency translation adjustment	2,282	5,774
Reclassifications of foreign currency translation gains to Other operating expense on the consolidated statements of operations	(5,840)	(38)
Income tax expense related to other comprehensive income
Comprehensive income	22,652	13,348
Comprehensive loss attributable to noncontrolling interests	233	244
Comprehensive income attributable to controlling interests	22,885	13,592
Comprehensive income attributable to controlling interests to common shareholders	$ 21,732	$ 13,592

Consolidated Statements of Shar

Consolidated Statements of Shareholders' Equity (Deficit) - USD ($)	Common Stock [Member]	Additional Paid-in Capital [Member]	AOCI Attributable to Parent [Member]	Retained Earnings [Member]	Noncontrolling Interest [Member]	Temporary Equity Associated with Noncontrolling Interests [Member]	Preferred Stock [Member]Series A Preferred Stock [Member]	Total
Balance (in shares) at Dec. 31, 2017	15,291,884
Balance at Dec. 31, 2017		$ 212,785,000	$ (2,178,000)	$ (246,640,000)	$ (94,000)			$ (36,127,000)
Stock options exercises and proceeds related thereto (in shares)	20,300
Stock options exercises and proceeds related thereto		50,000						50,000
Compensatory stock issuances, net of forfeitures (in shares)	533,177
Compensatory stock issuances, net of forfeitures
Deferred stock-based compensation costs		1,323,000						$ 1,323,000
Redemption and retirement of shares (in shares)	(281,787)							(281,787)
Redemption and retirement of shares		(723,000)						$ (723,000)
Comprehensive income (loss)			5,736,000	7,856,000	(244,000)			13,348,000
Balance (in shares) at Dec. 31, 2018	15,563,574
Balance at Dec. 31, 2018		213,435,000	3,558,000	(238,784,000)	(338,000)			$ (22,129,000)
Stock options exercises and proceeds related thereto (in shares)	469,701							469,701
Stock options exercises and proceeds related thereto		1,215,000						$ 1,215,000
Compensatory stock issuances, net of forfeitures (in shares)	209,500
Compensatory stock issuances, net of forfeitures
Deferred stock-based compensation costs		1,712,000						$ 1,712,000
Redemption and retirement of shares (in shares)	(357,461)							(357,461)
Redemption and retirement of shares		(2,517,000)						$ (2,517,000)
Comprehensive income (loss)			(3,558,000)	26,443,000	(233,000)			22,652,000
Cumulative effects from adoption of new lease standard (Note 2)				555,000				555,000
Accretion of discount associated with issuance of subsidiary equity		(50,000)				50,000		(50,000)
Preferred dividends		(1,103,000)						(1,103,000)
Contributions by preferred shareholders						50,500,000	40,000,000
Costs associated with contributions by preferred shareholders						(1,500,000)
Balance (in shares) at Dec. 31, 2019	15,885,314
Balance at Dec. 31, 2019		$ 212,692,000		$ (211,786,000)	$ (571,000)	$ 49,050,000	$ 40,000,000	$ 335,000

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Operating activities
Net income	$ 26,210	$ 7,612
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation, amortization and accretion, net	7,693	987
Losses upon impairment of loans, interest and fees receivable recorded at fair value	897	549
Provision for losses on loans, interest and fees receivable	248,383	100,338
Interest expense from accretion of discount on notes	818	890
Income from accretion of merchant fees and discount associated with receivables purchases	(116,252)	(75,517)
Unrealized gain on loans, interest and fees receivable and underlying notes payable held at fair value	(2,982)	(4,195)
Amortization of deferred loan costs	3,518	2,128
Income from equity-method investments	(1,001)	(581)
Gain on repurchase of convertible senior notes	(5,127)
Deferred stock-based compensation costs	1,712	1,323
Lease liability payments	(10,080)
Changes in assets and liabilities:
Decrease (increase) in uncollected fees on earning assets	1,765	(8,754)
Increase (decrease) in income tax liability	5,533	(8,880)
Decrease in deposits	20	126
(Decrease) increase in accounts payable and accrued expenses	(52,720)	(5,411)
Other	(8,424)	32,241
Net cash provided by operating activities	99,963	42,856
Investing activities
Proceeds from equity-method investee	1,520	2,349
Investments in earning assets	(1,098,764)	(607,981)
Proceeds from earning assets	663,805	472,497
Purchases and development of property, net of disposals	(250)	(1,383)
Net cash used in investing activities	(433,689)	(134,518)
Financing activities
Noncontrolling interests contributions	50,500
Issuance costs for nonontrolling interests	(1,500)
Proceeds from issuance of preferred stock	40,000
Proceeds from exercise of stock options	1,215	50
Purchase and retirement of outstanding stock	(2,517)	(723)
Proceeds from borrowings	873,340	632,043
Repayment of borrowings	(592,318)	(469,623)
Net cash provided by financing activities	368,720	161,747
Effect of exchange rate changes on cash	(354)	1,011
Net increase in cash and cash equivalents	34,640	71,096
Cash and cash equivalents and restricted cash at beginning of period	141,754	70,658
Cash and cash equivalents and restricted cash at end of period	176,394	141,754
Supplemental cash flow information
Cash paid for interest	46,302	33,467
Net cash income tax payments	$ 20	$ 4,750

Note 1 - Description of Our Bus

Note 1 - Description of Our Business	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Organization, Consolidation and Presentation of Financial Statements Disclosure [Text Block]	1. Description of Our Business Our accompanying consolidated financial statements include the accounts of Atlanticus Holdings Corporation (the “Company”) and those entities we control. We are primarily focused on providing financial technology and related services. Through our subsidiaries, we provide technology and other support services to lenders who offer an array of financial products and services to consumers who may In most cases, we invest in the receivables originated by lenders who utilize our technology platform and other related services. From time to time, we also purchase receivables portfolios from third third two 3, Within our Credit and Other Investments segment, we facilitate consumer finance programs offered by our bank partner to originate consumer loans through multiple channels, including retail point-of-sale, direct mail solicitation, digital marketing and through partner relationships. In the retail credit (the “point-of-sale” operations) channel, we partner with retailers and service providers in various industries across the United States (“U.S.”) to enable them to provide credit to their customers for the purchase of goods and services. These services of our lending partners are often extended to consumers who may third third Additionally, we report within our Credit and Other Investments segment: 1 2 3 None no Within our Auto Finance segment, our CAR subsidiary operations principally purchase and/or service loans secured by automobiles from or for, and also provide floor plan financing for, a pre-qualified network of independent automotive dealers and automotive finance companies in the buy-here, pay-here, used car business. We purchase auto loans at a discount and with dealer retentions or holdbacks that provide risk protection. Also within our Auto Finance segment, we are providing certain installment lending products in addition to our traditional loans secured by automobiles.

Note 2 - Significant Accounting

Note 2 - Significant Accounting Policies and Consolidated Financial Statement Components	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Significant Accounting Policies [Text Block]	2. Significant Accounting Policies and Consolidated Financial Statement Components The following is a summary of significant accounting policies we follow in preparing our consolidated financial statements, as well as a description of significant components of our consolidated financial statements. Basis of Presentation and Use of Estimates We prepare our consolidated financial statements in accordance with generally accepted accounting principles in the U.S. (“GAAP”). The preparation of financial statements in accordance with GAAP requires us to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities as of the date of our consolidated financial statements, as well as the reported amounts of revenues and expenses during each reporting period. We base these estimates on information available to us as of the date of the financial statements. Actual results could differ materially from these estimates. Certain estimates, such as credit losses, payment rates, costs of funds, discount rates and the yields earned on credit card receivables, significantly affect the reported amount of credit card receivables that we report at fair value and our notes payable associated with structured financings, at fair value; these estimates likewise affect the changes in these amounts reflected within our fees and related income on earning assets line item on our consolidated statements of operations. Additionally, estimates of future credit losses have a significant effect on loans, interest and fees receivable, net, as shown on our consolidated balance sheets, as well as on the provision for losses on loans, interest and fees receivable within our consolidated statements of operations. We have eliminated all significant intercompany balances and transactions for financial reporting purposes. Unrestricted Cash and Cash Equivalents Unrestricted cash and cash equivalents consist of cash, money market investments and overnight deposits. We consider all highly liquid cash investments with low interest rate risk and original maturities of three not Restricted Cash Restricted cash as of December 31, 2019 2018 Loans, Interest and Fees Receivable Loans, Interest and Fees Receivable, at Fair Value. 6, Loans, Interest and Fees Receivable. $182.9 $179.4 December 31, 2019 2018 We show both an allowance for uncollectible loans, interest and fees receivable and unearned fees (or “deferred revenue”) for our loans, interest and fees receivable (i.e., as opposed to those carried at fair value). Our loans, interest and fees receivable consist of smaller-balance, homogeneous loans, divided into two may may not These reserves are considered in conjunction with (and potentially reduced by) any unearned fees and discounts that may may may Certain of our loans, interest and fees receivable also contain components of deferred revenue including merchant fees on the purchases of receivables for our point-of-sale receivables and annual fee billings for our direct-to-consumer credit card receivables. Our point-of-sale and auto finance loans, interest and fees receivable include principal balances and associated fees and interest due from customers which are earned each period a loan is outstanding, net of the unearned portion of merchant fees and loan discounts. Additionally, many of our direct-to-consumer credit card receivables have an annual membership fee that is billed to the consumer on card activation and for each anniversary of that date thereafter. As of December 31, 2019 December 31, 2018 $90.3 $43.9 11 $48.1 $30.0 December 31, 2019 December 31, 2018 A roll-forward (in millions) of our allowance for uncollectible loans, interest and fees receivable by class of receivable is as follows: For the Year ended December 31, 2019 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at beginning of period $ (35.4 ) $ (1.3 ) $ (42.5 ) $ (79.2 ) Provision for loan losses (161.5 ) (3.5 ) (83.4 ) (248.4 ) Charge offs 80.2 4.6 68.1 152.9 Recoveries (4.6 ) (1.4 ) (5.6 ) (11.6 ) Balance at end of period $ (121.3 ) $ (1.6 ) $ (63.4 ) $ (186.3 ) As of December 31, 2019 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at end of period individually evaluated for impairment $ — $ (0.4 ) $ (0.1 ) $ (0.5 ) Balance at end of period collectively evaluated for impairment $ (121.3 ) $ (1.2 ) $ (63.3 ) $ (185.8 ) Loans, interest and fees receivable: Loans, interest and fees receivable, gross $ 509.2 $ 89.8 $ 399.2 $ 998.2 Loans, interest and fees receivable individually evaluated for impairment $ — $ 2.1 $ 0.1 $ 2.2 Loans, interest and fees receivable collectively evaluated for impairment $ 509.2 $ 87.7 $ 399.1 $ 996.0 For the Year ended December 31, 2018 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at beginning of period $ (18.2 ) $ (2.3 ) $ (42.5 ) $ (63.0 ) Provision for loan losses (46.6 ) (0.3 ) (53.4 ) (100.3 ) Charge offs 29.9 2.2 58.2 90.3 Recoveries (0.5 ) (0.9 ) (4.8 ) (6.2 ) Balance at end of period $ (35.4 ) $ (1.3 ) $ (42.5 ) $ (79.2 ) As of December 31, 2018 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at end of period individually evaluated for impairment $ — $ (0.2 ) $ (0.1 ) $ (0.3 ) Balance at end of period collectively evaluated for impairment $ (35.4 ) $ (1.1 ) $ (42.4 ) $ (78.9 ) Loans, interest and fees receivable: Loans, interest and fees receivable, gross $ 188.6 $ 88.1 $ 264.6 $ 541.3 Loans, interest and fees receivable individually evaluated for impairment $ — $ 0.4 $ 0.1 $ 0.5 Loans, interest and fees receivable collectively evaluated for impairment $ 188.6 $ 87.7 $ 264.5 $ 540.8 Delinquent loans, interest and fees receivable reflect the principal, fee and interest components of loans we did not not 90 180 30 not Recoveries on accounts previously charged off are credited to the allowance for uncollectible loans, interest and fees receivable and effectively offset our provision for losses on loans, interest and fees receivable recorded at net realizable value on our consolidated statements of operations. (All of the above discussion relates only to our loans, interest and fees receivable for which we use net realizable value, as opposed to fair value accounting. For loans, interest and fees receivable recorded at fair value, recoveries offset losses upon impairment of the underlying loans, interest and fees receivable recorded at fair value, net of recoveries on our consolidated statements of operations.) We consider loan delinquencies a key indicator of credit quality because this measure provides the best ongoing estimate of how a particular class of receivables is performing. An aging of our delinquent loans, interest and fees receivable, gross (in millions) by class of receivable as of December 31, 2019 December 31, 2018 As of December 31, 2019 Credit Cards Auto Finance Other Unsecured Lending Products Total 30-59 days past due $ 21.7 $ 8.1 $ 14.0 $ 43.8 60-89 days past due 18.5 3.0 11.5 33.0 90 or more days past due 46.6 2.6 27.2 76.4 Delinquent loans, interest and fees receivable, gross 86.8 13.7 52.7 153.2 Current loans, interest and fees receivable, gross 422.4 76.1 346.5 845.0 Total loans, interest and fees receivable, gross $ 509.2 $ 89.8 $ 399.2 $ 998.2 Balance of loans greater than 90-days delinquent still accruing interest and fees $ — $ 1.9 $ — $ 1.9 As of December 31, 2018 Credit Cards Auto Finance Other Unsecured Lending Products Total 30-59 days past due $ 7.1 $ 7.9 $ 9.7 $ 24.7 60-89 days past due 5.3 2.8 7.6 15.7 90 or more days past due 12.3 2.2 18.5 33.0 Delinquent loans, interest and fees receivable, gross 24.7 12.9 35.8 73.4 Current loans, interest and fees receivable, gross 163.9 75.2 228.8 467.9 Total loans, interest and fees receivable, gross $ 188.6 $ 88.1 $ 264.6 $ 541.3 Balance of loans greater than 90-days delinquent still accruing interest and fees $ — $ 1.5 $ — $ 1.5 Troubled Debt Restructurings. 90 may not one The following table details by class of receivable, the number and amount of modified loans, including TDRs that have been re-aged, as of December 31, 2019 December 31, 2018 As of December 31, 2019 December 31, 2018 Point-of-sale Direct-to-consumer Point-of-sale Direct-to-consumer Number of TDRs 10,682 14,553 6,095 3,584 Number of TDRs that have been re-aged 2,788 2,854 2,759 1,111 Amount of TDRs on non-accrual status (in thousands) $ 14,468 $ 13,037 $ 4,885 $ 1,942 Amount of TDRs on non-accrual status above that have been re-aged (in thousands) $ 5,118 $ 3,104 $ 3,782 $ 955 Carrying value of TDRs (in thousands) $ 8,864 $ 7,312 $ 3,333 $ 1,363 TDRs - Performing (carrying value, in thousands)* $ 6,754 $ 6,106 $ 2,525 $ 1,191 TDRs - Nonperforming (carrying value, in thousands)* $ 2,110 $ 1,206 $ 808 $ 172 *“TDRs - Performing” include accounts that are current on all amounts owed, while “TDRs - Nonperforming” include all accounts with past due amounts owed. Given that the above TDRs have a high reserve rate prior to modification as TDRs, we do not The Company modified 31,409 21,997 $43.3 $33.2 twelve December 31, 2019 December 31, 2018 twelve Twelve Months Ended December 31, 2019 December 31, 2018 Point-of-sale Direct-to-consumer Point-of-sale Direct-to-consumer Number of accounts 2,835 3,339 6,903 5,415 Loan balance at time of charge off (in thousands) $ 4,397 $ 3,545 $ 9,634 $ 4,963 Property at Cost, Net of Depreciation We capitalize costs related to internal development and implementation of software used in our operating activities in accordance with applicable accounting literature. These capitalized costs consist almost exclusively of fees paid to third We record our property at cost less accumulated depreciation or amortization. We compute depreciation expense using the straight-line method over the estimated useful lives of our assets, which are approximately 5 3 We periodically review our property to determine if it is impaired. We incurred no 2019 no 2018 Investment in Equity-Method Investee We account for an investment using the equity method of accounting if we have the ability to exercise significant influence, but not We use the equity method for our 66.7% 2004 not We evaluate our investments in the equity-method investee for impairment each quarter by comparing the carrying amount of the investment to its fair value. Because no Prepaid Expenses and Other Assets Prepaid expenses and other assets include amounts paid to third third 1 2 3 Accounts Payable and Accrued Expenses Accounts payable and accrued expenses reflect both the billed and unbilled amounts owed at the end of a period for services rendered. Commencing in July 2019, third 10 37 may one Revenue Recognition and Revenue from Contracts with Customers Consumer Loans, Including Past Due Fees Consumer loans, including past due fees reflect interest income, including finance charges, and late fees on loans in accordance with the terms of the related customer agreements. Premiums, discounts and merchant fees paid or received associated with an installment or auto loan are generally deferred and amortized over the average life of the related loans using the effective interest method. Finance charges and fees, net of amounts that we consider uncollectible, are included in loans, interest and fees receivable and revenue when the fees are earned based upon the contractual terms of the loans. Fees and Related Income on Earning Assets Fees and related income on earning assets primarily include: ( 1 2 3 4 We assess fees on credit card accounts underlying our credit card receivables according to the terms of the related cardholder agreements and, except for annual membership fees, we recognize these fees as income when they are charged to the customers’ accounts. We accrete annual membership fees associated with our credit card receivables into income on a straight-line basis over the cardholder privilege period which is generally 12 The components (in thousands) of our fees and related income on earning assets are as follows: Year Ended December 31, 2019 2018 Fees on credit products $ 68,639 $ 25,694 Changes in fair value of loans, interest and fees receivable recorded at fair value 1,251 606 Changes in fair value of notes payable associated with structured financings recorded at fair value 1,731 3,589 Other (474 ) 103 Total fees and related income on earning assets $ 71,147 $ 29,992 The above changes in the fair value of loans, interest and fees receivable recorded at fair value category exclude the impact of current period charge offs associated with these receivables which are separately stated in Net losses upon impairment of loans, interest and fees receivable recorded at fair value on our consolidated statements of operations. See Note 6, Other income Other income includes revenues associated with ancillary product offerings and interchange revenues. We recognize these fees as income in the period earned. Included in Other income for 2019 $105.9 one may may December 31, 2019, no 2018, £34 $42.9 $36.2 Revenue from Contracts with Customers In the first 2018 No. 2014 09, no not not Credit and For the Year ended December 31, 2019 Other Investments Auto Finance Total Interchange revenues, net (1) $ 8,495 $ — $ 8,495 Servicing income 857 929 1,786 Service charges and other customer related fees 3,407 66 3,473 Total revenue from contracts with customers $ 12,759 $ 995 $ 13,754 ( 1 Credit and For the Year ended December 31, 2018 Other Investments Auto Finance Total Interchange revenues, net (1) $ 2,881 $ — $ 2,881 Servicing income 947 1,022 1,969 Service charges and other customer related fees 637 69 706 Total revenue from contracts with customers $ 4,465 $ 1,091 $ 5,556 ( 1 Card and Loan Servicing Expenses Card and loan servicing costs primarily include collections and customer service expenses. Within this category of expenses are personnel, service bureau, cardholder correspondence and other direct costs associated with our collections and customer service efforts. Card and loan servicing costs also include outsourced collections and customer service expenses. We expense card and loan servicing costs as we incur them, with the exception of prepaid costs, which we expense over respective service periods. Marketing and Solicitation Expenses We expense product solicitation costs, including printing, credit bureaus, list processing, telemarketing, postage, and internet marketing fees, as we incur these costs or expend resources. Recent Accounting Pronouncements In June 2016, 2016 13, 2018 19, 2019 04, 2019 10 2019 11 May 2019 2019 05 326 20, first 2016 13 2019 05 December 15, 2019, December 15, 2022 In February 2016, No. 2016 02, January 1, 2019 not ASU 2016 02 not not not not Upon adoption, we recognized additional lease liabilities of $30.2 $18.6 $0.6 not 8, Subsequent Events We evaluate subsequent events that occur after our consolidated balance sheet date but before our consolidated financial statements are issued. There are two 1 2 not December 31, 2019 , not As of January 1, 2020, January 1, 2020 ( January 1, 2020 2020 January 1, 2020 no On January 30, 2020, 19 March 2020, 19 The full impact of the COVID- 19 19 19 2020.

Note 3 - Segment Reporting

Note 3 - Segment Reporting	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Segment Reporting Disclosure [Text Block]	3. Segment Reporting We operate primarily within one two two As of both December 31, 2019 December 31, 2018 not December 31, 2019 2018 We measure the profitability of our reportable segments based on their income after allocation of specific costs and corporate overhead; however, our segment results do not Summary operating segment information (in thousands) is as follows: Year ended December 31, 2019 Credit and Other Investments Auto Finance Total Interest income: Consumer loans, including past due fees $ 229,388 $ 31,444 $ 260,832 Other 386 — 386 Total interest income 229,774 31,444 261,218 Interest expense (49,065 ) (1,665 ) (50,730 ) Net interest income before fees and related income on earning assets and provision for losses on loans, interest and fees receivable $ 180,709 $ 29,779 $ 210,488 Fees and related income on earning assets $ 70,984 $ 163 $ 71,147 Servicing income $ 857 $ 929 $ 1,786 Gain on repurchase of convertible senior notes $ 5,127 $ — $ 5,127 Equity in income of equity-method investee $ 1,001 $ — $ 1,001 Income before income taxes $ 25,005 $ 6,758 $ 31,763 Income tax expense $ (3,830 ) $ (1,723 ) $ (5,553 ) Total assets $ 856,354 $ 79,912 $ 936,266 Year ended December 31, 2018 Credit and Other Investments Auto Finance Total Interest income: Consumer loans, including past due fees $ 131,096 $ 29,872 $ 160,968 Other 200 — 200 Total interest income 131,296 29,872 161,168 Interest expense (35,564 ) (1,332 ) (36,896 ) Net interest income before fees and related income on earning assets and provision for losses on loans, interest and fees receivable $ 95,732 $ 28,540 $ 124,272 Fees and related income on earning assets $ 29,912 $ 80 $ 29,992 Servicing income $ 947 $ 1,022 $ 1,969 Equity in income of equity-method investee $ 581 $ — $ 581 (Loss) income before income taxes $ (6,767 ) $ 10,249 $ 3,482 Income tax benefit (expense) $ 6,345 $ (2,215 ) $ 4,130 Total assets $ 507,232 $ 75,376 $ 582,608

Note 4 - Shareholders' Equity a

Note 4 - Shareholders' Equity and Preferred Stock	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Stockholders' Equity Note Disclosure [Text Block]	4. Shareholders’ Equity and Preferred Stock On November 26, 2014, $40.0 December 27, 2019, 400,000 10,000,000 400,000 $40.0 $40.0 6% no may, January 1, 2025 $100 $100 January 1, 2024. $100 $10 Dove is a limited liability company owned by three one two two During the years ended December 31, 2019 2018 357,461 281,787 $2,517,000 $723,000, We had 1,459,233 December 31, 2019 December 31, 2018 November 2005 On November 14, 2019, 50.5 $1.00 third 16% 6 not 50.5

Note 5 - Investment in Equity-m

Note 5 - Investment in Equity-method Investee	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Equity Method Investments and Joint Ventures Disclosure [Text Block]	5. Investment in Equity-Method Investee Our equity-method investment outstanding at December 31, 2019 66.7% In the following tables, we summarize (in thousands) balance sheet and results of operations data for our equity-method investee: As of December 31, 2019 December 31, 2018 Loans, interest and fees receivables, at fair value $ 2,757 $ 3,546 Total assets $ 2,922 $ 3,732 Total liabilities $ 13 $ 18 Members’ capital $ 2,909 $ 3,714 Year ended December 31, 2019 2018 Net interest income (loss), fees and related income on earning assets $ 1,505 $ 875 Net income $ 1,318 $ 613 Net income attributable to investee $ 1,001 $ 581

Note 6 - Fair Values of Assets

Note 6 - Fair Values of Assets and Liabilities	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Fair Value Disclosures [Text Block]	6. Fair Values of Assets and Liabilities We elected the fair value option with respect to our investments in equity securities, included in other assets, as well as our credit card loans, interest and fees receivable portfolios, the retained interests in which we historically recorded at fair value under securitization structures that were off balance sheet prior to accounting rules changes requiring their consolidation into our financial statements. The legal structure qualifies as a VIE but is consolidated as the Company is the primary beneficiary. With respect to our equity securities, we decided to carry these assets at fair value due to our intent to invest and redeem these investments with expected frequency. For our credit card loans, interest and fees receivable portfolios underlying our formerly off-balance-sheet securitization structures, we elected the fair value option because, at the time of election, in contrast to substantially all of our other assets, we had significant experiences in determining the fair value of these assets in connection with our historical fair value accounting for our retained interests in their associated securitization structures. Because we elected to account for the credit card receivables underlying our formerly off-balance-sheet securitization structures at fair value, accounting rules require that we account for the notes payable issued by such securitization structures at fair value as well. For our other credit card receivables that have never been owned by our formerly off-balance-sheet securitization structures, we have not January 1, 2020, January 1, 2020. For all of our other debt other than the notes payable underlying our formerly off-balance sheet credit card securitization structures, we have not Where applicable as noted above, we account for our financial assets and liabilities at fair value based upon a three 1 2 1 2 3 may Valuations and Techniques for Assets Our assessment of the significance of a particular input to the fair value measurement in its entirety requires judgment and considers factors specific to the asset or liability. The table below summarizes (in thousands) by fair value hierarchy the December 31, 2019 December 31, 2018 1 2 not Assets – As of December 31, 2019 (1) Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Carrying Amount of Assets Loans, interest and fees receivable, net for which it is practicable to estimate fair value $ — $ — $ 781,208 $ 721,573 Loans, interest and fees receivable, at fair value $ — $ — $ 4,386 $ 4,386 Assets – As of December 31, 2018 (1) Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Carrying Amount of Assets Loans, interest and fees receivable, net for which it is practicable to estimate fair value $ — $ — $ 470,496 $ 418,236 Loans, interest and fees receivable, at fair value $ — $ — $ 6,306 $ 6,306 ( 1 For cash, deposits and investments in equity securities, the carrying amount is a reasonable estimate of fair value. For those asset classes above that are required to be carried at fair value in our consolidated financial statements, gains and losses associated with fair value changes are detailed on our fees and related income on earning assets table within Note 2, For Level 3 December 31, 2019 2018 Loans, Interest and Fees Receivables, at Fair Value 2019 2018 Balance at January 1, $ 6,306 $ 11,109 Total gains—realized/unrealized: Net revaluations of loans, interest and fees receivable, at fair value 1,251 606 Settlements (3,171 ) (5,395 ) Impact of foreign currency translation — (14 ) Balance at December 31, $ 4,386 $ 6,306 The unrealized gains and losses for assets within the Level 3 Net Revaluation of Loans, Interest and Fees Receivable. third For Level 3 December 31, 2019 December 31, 2018 Quantitative Information about Level 3 Fair Value Measurement Fair Value at December 31, 2019 (in thousands) Valuation Technique Unobservable Input Range (Weighted Average) Loans, interest and fees receivable, at fair value $ 4,386 Discounted cash flows Gross yield 27.5% to 59.4% (31.0%) Principal payment rate 2.2% to 5.5% (2.6%) Expected credit loss rate 10.5% to 39.4% (13.7%) Servicing rate 11.3% to 16.9% (11.9%) Discount rate 14.3% to 14.3% (14.3%) Quantitative Information about Level 3 Fair Value Measurement Fair Value at December 31, 2018 (in thousands) Valuation Technique Unobservable Input Range (Weighted Average) Loans, interest and fees receivable, at fair value $ 6,306 Discounted cash flows Gross yield 25.8% to 30.8% (26.4%) Principal payment rate 2.2% to 3.0% (2.3%) Expected credit loss rate 8.7% to 11.3% (9.0%) Servicing rate 14.9% to 19.5% (15.5%) Discount rate 14.9% to 14.9% (14.9%) Valuations and Techniques for Liabilities Our assessment of the significance of a particular input to the fair value measurement in its entirety requires judgment and considers factors specific to the liability. The table below summarizes (in thousands) by fair value hierarchy the December 31, 2019 December 31, 2018 1 2 not Liabilities – As of December 31, 2019 Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Carrying Amount of Liabilities Liabilities not carried at fair value Revolving credit facilities $ — $ — $ 720,687 $ 720,687 Amortizing debt facilities $ — $ — $ 28,522 $ 28,522 Notes payable to related parties $ — $ — $ — $ — Convertible senior notes $ — $ 16,920 $ — $ 24,091 Liabilities carried at fair value Notes payable associated with structured financings, at fair value $ — $ — $ 3,920 $ 3,920 Liabilities – As of December 31, 2018 Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Carrying Amount of Liabilities Liabilities not carried at fair value Revolving credit facilities $ — $ — $ 389,707 $ 389,707 Amortizing debt facilities $ — $ — $ 1,220 $ 1,220 Notes payable to related parties $ — $ — $ 40,000 $ 40,000 Convertible senior notes $ — $ 47,230 $ — $ 62,142 Liabilities carried at fair value Notes payable associated with structured financings, at fair value $ — $ — $ 5,651 $ 5,651 For our notes payable, we assess the fair value of these liabilities based on our estimate of future cash flows generated from their underlying credit card receivables collateral, net of servicing compensation required under the note facilities, and to the extent that such cash flow estimates change from period to period, any such changes are considered to be attributable to changes in instrument-specific credit risk. Gains and losses associated with fair value changes for our notes payable associated with structured financing liabilities that are carried at fair value are detailed on our fees and related income on earning assets table within Note 2, 5.875% 2035 “5.875% third third not 9, For our material Level 3 December 31, 2019 2018 Notes Payable Associated with Structured Financings, at Fair Value 2019 2018 Balance at January 1, $ 5,651 $ 9,240 Total (gains) losses—realized/unrealized: Net revaluations of notes payable associated with structured financings, at fair value (1,731 ) (3,589 ) Repayments on outstanding notes payable, net — — Balance at December 31, $ 3,920 $ 5,651 The unrealized gains and losses for liabilities within the Level 3 3 Net Revaluation of Notes Payable Associated with Structured Financings, at Fair Value. not third For material Level 3 December 31, 2019 December 31, 2018 Quantitative Information about Level 3 Fair Value Measurement Fair Value at December 31, 2019 (in thousands) Valuation Technique Unobservable Input Weighted Average Notes payable associated with structured financings, at fair value $ 3,920 Discounted cash flows Gross yield 27.5 % Principal payment rate 2.2 % Expected credit loss rate 10.5 % Discount rate 14.3 % Quantitative Information about Level 3 Fair Value Measurement Fair Value at December 31, 2018 (in thousands) Valuation Technique Unobservable Input Weighted Average Notes payable associated with structured financings, at fair value $ 5,651 Discounted cash flows Gross yield 25.8 % Principal payment rate 2.2 % Expected credit loss rate 8.7 % Discount rate 14.9 % Other Relevant Data Other relevant data (in thousands) as of December 31, 2019 December 31, 2018 As of December 31, 2019 Loans, Interest and Fees Receivable at Fair Value Loans, Interest and Fees Receivable Pledged as Collateral under Structured Financings at Fair Value Aggregate unpaid principal balance within loans, interest and fees receivable that are reported at fair value $ 644 $ 5,280 Aggregate fair value of loans, interest and fees receivable that are reported at fair value $ 466 $ 3,920 Aggregate fair value of receivables carried at fair value that are 90 days or more past due (which also coincides with finance charge and fee non-accrual policies) $ 1 $ 8 Unpaid principal balance of receivables within loans, interest and fees receivable that are reported at fair value and are 90 days or more past due (which also coincides with finance charge and fee non-accrual policies) over the fair value of such loans, interest and fees receivable $ 28 $ 185 As of December 31, 2018 Loans, Interest and Fees Receivable at Fair Value Loans, Interest and Fees Receivable Pledged as Collateral under Structured Financings at Fair Value Aggregate unpaid principal balance within loans, interest and fees receivable that are reported at fair value $ 1,160 $ 7,708 Aggregate fair value of loans, interest and fees receivable that are reported at fair value $ 655 $ 5,651 Aggregate fair value of receivables carried at fair value that are 90 days or more past due (which also coincides with finance charge and fee non-accrual policies) $ 3 $ 7 Unpaid principal balance of receivables within loans, interest and fees receivable that are reported at fair value and are 90 days or more past due (which also coincides with finance charge and fee non-accrual policies) over the fair value of such loans, interest and fees receivable $ 35 $ 224 Notes Payable Notes Payable Associated with Structured Financings, at Fair Value as of December 31, 2019 Notes Payable Associated with Structured Financings, at Fair Value as of December 31, 2018 Aggregate unpaid principal balance of notes payable $ 101,314 $ 101,314 Aggregate fair value of notes payable $ 3,920 $ 5,651

Note 7 - Property

Note 7 - Property	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Property, Plant and Equipment Disclosure [Text Block]	7. Property Details (in thousands) of our property on our consolidated balance sheets are as follows: As of December 31, 2019 2018 Software $ 3,543 $ 3,467 Furniture and fixtures 6,431 6,307 Data processing and telephone equipment 7,675 7,625 Leasehold improvements 10,570 10,570 Other 1,156 1,156 Total cost 29,375 29,125 Less accumulated depreciation (26,637 ) (25,500 ) Property, net $ 2,738 $ 3,625 Depreciation expense totaled $1.1 $1.0 December 31, 2019 2018

Note 8 - Leases

Note 8 - Leases	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Leases of Lessee Disclosure [Text Block]	8. Leases We lease premises and certain equipment under cancelable and non-cancelable leases, some of which contain renewal options under various terms. Total rental expense associated with these operating leases was $1.7 2019 $1.7 2018 $5.1 $5.1 December 31, 2019 2018 fourth 2006, 15 335,372 not 254,710 $21.2 The components of lease expense associated with our lease liabilities and supplemental cash flow information related to those leases were as follows: For the Year ended December 31, 2019 2018 Operating lease cost, gross $ 6,875 $ 6,758 Sublease income (5,133 ) (5,080 ) Net Operating lease cost $ 1,742 $ 1,678 Cash paid under operating leases, gross $ 10,080 $ 9,913 Weighted average remaining lease term - months 29 Weighted average discount rate 6.9 % As of December 31, 2019 Gross Lease Payment Payments received from Sublease Net Lease Payment 2020 $ 10,213 $ (7,115 ) $ 3,098 2021 10,221 (7,315 ) 2,906 2022 4,407 (3,112 ) 1,295 2023 126 — 126 2024 30 — 30 Thereafter — — — Total lease payments 24,997 (17,542 ) 7,455 Less imputed interest (2,738 ) Total $ 22,259 In addition, we occasionally lease certain equipment under cancelable and non-cancelable leases, which are accounted for as capital leases in our consolidated financial statements. As of December 31, 2019 no one

Note 9 - Notes Payable and Vari

Note 9 - Notes Payable and Variable Interest Entities	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Debt Disclosure [Text Block]	9. Notes Payable and Variable Interest Entities The Company contributes certain receivables to VIEs. These entities are sometimes established to facilitate third not The following table presents a summary of VIEs in which we had continuing involvement or held a variable interest (in millions): As of December 31, 2019 December 31, 2018 Unrestricted cash and cash equivalents $ 78.7 $ 16.8 Restricted cash and cash equivalents $ 25.9 $ 61.0 Loans, interest and fees receivable, at fair value $ 3.9 $ 5.7 Loans, interest and fees receivable, gross $ 857.2 $ 403.4 Allowances for uncollectible loans, interest and fees receivable $ (168.8 ) $ (57.4 ) Deferred revenue $ (40.7 ) $ (13.2 ) Total Assets held by VIEs $ 756.2 $ 416.3 Notes Payable, at face value held by VIEs $ 701.1 $ 366.7 Notes Payable, at fair value held by VIEs $ 3.9 $ 5.7 Maximum exposure to loss due to involvement with VIEs $ 654.3 $ 438.5 Notes Payable Associated with Structured Financings, at Fair Value Scheduled (in millions) in the table below are ( 1 December 31, 2019 December 31, 2018 2 December 31, 2019 December 31, 2018 3 December 31, 2019 December 31, 2018 Carrying Amounts at Fair Value as of December 31, 2019 December 31, 2018 Securitization facility (stated maturity of December 2021), outstanding face amount of $101.3 million as of December 31, 2019 ($101.3 million as of December 31, 2018) bearing interest at a weighted average 6.9% interest rate, based upon LIBOR, at December 31, 2019 (7.5% at December 31, 2018), which is secured by credit card receivables and restricted cash aggregating $3.9 million as of December 31, 2019 ($5.7 million as of December 31, 2018) in carrying amount $ 3.9 $ 5.7 Contractual payment allocations within this credit card receivables structured financing provide for a priority distribution of cash flows to us to service the credit card receivables, a distribution of cash flows to pay interest and principal due on the notes, and a distribution of all excess cash flows (if any) to us. The structured financing facility included in the above table is amortizing down along with collections of the underlying receivables and there are no $3.9 $3.9 no December 31, 2019 . As discussed elsewhere, the legal entity holding the securitization facility discussed in the table above, is a VIE. Beyond our role as servicer of the underlying assets within the credit cards receivables structured financing, we have provided no no Notes Payable, at Face Value and Notes Payable to Related Parties Other notes payable outstanding as of December 31, 2019 December 31, 2018 As of December 31, 2019 December 31, 2018 Revolving credit facilities at a weighted average interest rate equal to 6.0% at December 31, 2019 (7.6% at December 31, 2018) secured by the financial and operating assets of CAR and/or certain receivables and restricted cash with a combined aggregate carrying amount of $740.4 million as of December 31, 2019 ($468.8 million at December 31, 2018) Revolving credit facility, not to exceed $55.0 million (expiring November 1, 2021) (1) (2) (3) $ 39.1 $ 30.0 Revolving credit facility, not to exceed $50.0 million (expiring October 30, 2022) (2) (3) (4) (5) 40.5 49.9 Revolving credit facility, not to exceed $20.0 million (expiring March 31, 2020) (2) (4) (5) 19.4 — Revolving credit facility, not to exceed $70.0 million (expiring February 8, 2022) (3) (4) (5) (6) 25.8 61.0 Revolving credit facility, not to exceed $100.0 million (expiring June 11, 2021) (3) (4) (5) (6) — 80.5 Revolving credit facility, not to exceed $15.0 million (expiring July 15, 2021) (2) (4) (5) 14.6 — Revolving credit facility, not to exceed $100.0 million (expiring November 16, 2020) (3) (4) (5) (6) — 8.0 Revolving credit facility, not to exceed $167.3 million (expiring November 15, 2023) (3) (4) (5) (6) 167.3 167.3 Revolving credit facility, not to exceed $200.0 million (expiring December 15, 2022) (3) (4) (5) (6) 200.0 — Revolving credit facility, not to exceed $200.0 million (expiring May 15, 2024) (3) (4) (5) (6) 200.0 — Revolving credit facility, not to exceed $15.0 million (expiring December 21, 2020) (2) (3) (4) (5) 8.6 — Revolving credit facility, not to exceed $50.0 million (expiring September 19, 2021) (2) (3) (4) (5) 15.0 — Other facilities Other secured debt (expiring September 8, 2023) that is secured by certain assets of the Company with an annual rate equal to 5.5% 1.2 1.2 Unsecured term debt (expiring August 26, 2024) with an annual rate equal to 8.0% (3) 17.4 — Amortizing debt facility (expiring September 30, 2021) with an annual rate equal to 6.2% (2) (3) (4) (5) 10.0 — Senior secured term loan to related parties (paid-off on December 27, 2019) that was secured by certain assets of the Company with an annual rate equal to 9.0% (3) — 40.0 Total notes payable before unamortized debt issuance costs and discounts 758.9 437.9 Unamortized debt issuance costs and discounts (9.7 ) (7.0 ) Total notes payable outstanding $ 749.2 $ 430.9 ( 1 Loan is subject to certain affirmative covenants, including a coverage ratio, a leverage ratio and a collateral performance test, the failure of which could result in required early repayment of all or a portion of the outstanding balance by our CAR Auto Finance operations. ( 2 These notes reflect modifications to either extend the maturity date, increase the loan amount or both, and are treated as accounting modifications. ( 3 See below for additional information. ( 4 Loans are subject to certain affirmative covenants tied to default rates and other performance metrics the failure of which could result in required early repayment of the remaining unamortized balances of the notes. ( 5 Loans are associated with variable interest entities. ( 6 Creditors do not * As of December 31, 2019, 1.75% 4.75%. On November 26, 2014, $40.0 December 27, 2019, 400,000 $40 $40.0 4 three one two two In October 2015, $50.0 $40.5 December 31, 2019 3.0%. October 30, 2022 In October 2016, $40.0 $39.1 December 31, 2019). 2.4% 3.0% October 2016, December 31, 2019, $55.0 November 1, 2021 no In December 2016, $20.0 $19.4 December 31, 2019). March 31, 2020 5.0%. In February 2017, $90.0 $70.0 $25.8 December 31, 2019) third 14.0%. February 8, 2022 may In December 2017, $15.0 $8.6 December 31, 2019). 3.5%. December 21, 2020 In 2018, two $200.0 $0.0 December 31, 2019) third 3.75% 4.875%, June 11, 2021 November 16, 2020 may In September 2018, $50.0 $15.0 December 31, 2019). 6.5%. In November 2018, $167.3 two 18 5.76%. In June 2019, $15.0 $14.6 December 31, 2019). In June 2019, $200.0 two 12 18 5.37%. In August 2019, $54.4 $16.3 $17.4 8.0% August 2024. 10 In September 2019, $30.0 $10.0 December 31, 2019) 4.5%. September 30, 2021 In November 2019, $200.0 three 12 18 4.91%. As of December 31, 2019,

Note 10 - Convertible Senior No

Note 10 - Convertible Senior Notes	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Long-term Debt [Text Block]	10. Convertible Senior Notes In November 2005, $300.0 5.875% November 30, 2035 No On August 26, 2019, $54.4 $16.3 $17.4 8.0% August 2024. $5.1 9 The following summarizes (in thousands) components of our consolidated balance sheets associated with our convertible senior notes: As of December 31, 2019 December 31, 2018 Face amount of convertible senior notes $ 33,839 $ 88,280 Discount (9,748 ) (26,138 ) Net carrying value $ 24,091 $ 62,142 Carrying amount of equity component included in paid-in capital $ 108,714 $ 108,714 Excess of instruments’ if-converted values over face principal amounts $ — $ — During certain periods and subject to certain conditions, the remaining $33.8 December 31, 2019 40.63 $1,000 $24.61 $1,000 $1,000 may 40.63 $1,000 6 not may In conjunction with the offering of the convertible senior notes, we entered into a 30 5,677,950 2008. 30 may A/A2, $13.1 1,459,233 December 31, 2019 We analogize the share lending agreement to a prepaid forward contract, which we have evaluated under applicable accounting guidance. We determined that the instrument was not not Accounting for Convertible Senior Notes Under applicable accounting literature, the accounting for the issuance of the notes includes ( 1 2 3 4 December 31, 2019 2018 $0.5 $0.6 $3.9 $5.2 December 31, 2019 2018 December 31, 2019 October 2035). 9.2%

Note 11 - Commitments and Conti

Note 11 - Commitments and Contingencies	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Commitments and Contingencies Disclosure [Text Block]	11. Commitments and Contingencies General Under finance products available in the point-of-sale and direct-to-consumer channels, consumers have the ability to borrow up to the maximum credit limit assigned to each individual’s account. Unfunded commitments under these products aggregated $1.1 December 31, 2019 . Additionally, our CAR operations provide floor-plan financing for a pre-qualified network of independent automotive dealers and automotive finance companies in the buy-here, pay-here used car business. The floor plan financing allows dealers and finance companies to borrow up to the maximum pre-approved credit limit allowed in order to finance ongoing inventory needs. These loans are secured by the underlying auto inventory and, in certain cases where we have other lending products outstanding with the dealer, are secured by the collateral under those lending arrangements as well, including any outstanding dealer reserves. As of December 31, 2019 , $9.2 Under agreements with third $15.1 December 31, 2019 Under agreements with third December 31, 2019 , We also are subject to certain minimum payments under cancelable and non-cancelable lease arrangements. For further information regarding these commitments, see Note 8, . Litigation We are involved in various legal proceedings that are incidental to the conduct of our business. There are currently no

Note 12 - Income Taxes

Note 12 - Income Taxes	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Income Tax Disclosure [Text Block]	12. Income Taxes Deferred tax assets and liabilities reflect the effects of tax losses, credits, and the future income tax effects of temporary differences between the consolidated financial statement carrying amounts of existing assets and liabilities and their respective tax bases and are measured using enacted tax rates that apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The current and deferred portions (in thousands) of federal, foreign and state income tax benefit or expense are as follows: For the Year Ended December 31, 2019 2018 Federal income tax (expense) benefit: Current tax benefit (expense) $ 279 $ 5,932 Deferred tax (expense) benefit (5,395 ) (1,159 ) Total federal income tax (expense) benefit $ (5,116 ) $ 4,773 Foreign income tax benefit (expense): Current tax benefit (expense) $ 25 $ (53 ) Deferred tax (expense) benefit (15 ) 3 Total foreign income tax benefit (expense) $ 10 $ (50 ) State and other income tax (expense) benefit: Current tax expense $ (709 ) $ (3 ) Deferred tax benefit (expense) 262 (590 ) Total state and other income tax expense $ (447 ) $ (593 ) Total income tax (expense) benefit $ (5,553 ) $ 4,130 We experienced an effective income tax expense rate of 17.5% December 31, 2019, 118.6% December 31, 2018. December 31, 2019 December 31, 2018 2018 2008 2008 We report income tax-related interest and penalties (including those associated with both our accrued liabilities for uncertain tax positions and unpaid tax liabilities) within our income tax line item on our consolidated statements of operations. We likewise report the reversal of income tax-related interest and penalties within such line item to the extent we resolve our liabilities for uncertain tax positions or unpaid tax liabilities in a manner favorable to our accruals therefor. For 2019, $0.1 2018, $1.2 In December 2014, 2007 2008 2003. 2015, $7.4 December 2014 June 2018 $7.4 $3.7 $3.7 2006 July 2018, $5.4 $3.7 three September 30, 2018, $0.5 $5.4 2019, $0.7 2006 $0.9 The following table reconciles our effective income tax expense or benefit rates for 2019 2018 For the Year Ended December 31, 2019 2018 Statutory expense rate 21.0 % 21.0 % Increase (decrease) in statutory tax expense rate resulting from: Federal valuation allowance (4.4 ) (132.0 ) Global intangible low-taxed income 0.8 9.6 Interest and penalties related to uncertain tax positions and IRS settlement adjustment 0.6 (27.2 ) Foreign taxes, net of valuation allowance (0.5 ) (8.2 ) Permanent and other prior year true ups and tax effect of non-controlling interest (1.1 ) 4.7 State taxes, net of valuation allowance 1.1 13.5 Effective expense (benefit) rate 17.5 % (118.6 )% As of December 31, 2019 December 31, 2018 As of December 31, 2019 2018 Deferred tax assets: Software development costs/fixed assets $ — $ 108 Goodwill and intangible assets 113 895 Provision for loan loss 36,172 19,479 Equity-based compensation 792 748 Accrued expenses 386 307 Accruals for state taxes and interest associated with unrecognized tax benefits 108 87 Federal net operating loss carry-forward 18,643 44,485 Minimum tax credit carry-forward 520 1,015 Foreign net operating loss carry-forward 537 256 Other 40 151 State tax benefits, primarily from net operating losses 40,937 42,318 Deferred tax assets, gross $ 98,248 $ 109,849 Valuation allowances (39,161 ) (40,830 ) Deferred tax assets net of valuation allowance $ 59,087 $ 69,019 Deferred tax liabilities: Prepaid expenses and other $ (1,217 ) $ (210 ) Software development costs/fixed assets (176 ) — Equity in income of equity-method investee (1,154 ) (1,092 ) Credit card fair value election differences (21,513 ) (21,021 ) Market discount on loans (29,834 ) (21,749 ) Deferred costs (542 ) (469 ) Convertible senior notes (9,309 ) (22,106 ) Cancellation of indebtedness income — (1,882 ) Deferred tax liabilities, gross $ (63,745 ) $ (68,529 ) Deferred tax (liabilities) assets, net $ (4,658 ) $ 490 We undertook a detailed review of our deferred taxes and determined that a valuation allowance was required for certain deferred tax assets in the U.S. for states and in the U.K. We reduce our deferred tax assets by a valuation allowance if it is more likely than not not not $39.2 $40.8 December 31, 2019 December 31, 2018, Certain of our deferred tax assets relate to federal, foreign and state net operating losses, capital losses, and credits, and we have no $18.0 $85.6 2029 2037 $0.6 $2.8 2021 Our subsidiaries file federal, state and/or foreign income tax returns. In the normal course of our business, we are subject to examination by taxing authorities throughout the world, including such major jurisdictions as the U.S., the U.K., and various U.S. states and territories. With a few exceptions of a non-material nature and considering our 2008 no 2015. Reconciliations (in thousands) of our unrecognized tax benefits from the beginning to the end of 2019 2018 2019 2018 Balance at January 1, $ (414 ) $ (373 ) Reductions based on tax positions related to prior years 13 51 Additions based on tax positions related to the current year (83 ) (71 ) Interest and penalties accrued (29 ) (21 ) Balance at December 31, $ (513 ) $ (414 ) Further, our unrecognized tax benefits that, if recognized, would affect the effective tax rate are not $0.5 $0.4 December 31, 2019 2018

Note 13 - Net Income Attributab

Note 13 - Net Income Attributable to Controlling Interests Per Common Share	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Earnings Per Share [Text Block]	13. Net Income Attributable to Controlling Interests Per Common Share We compute net income (loss) attributable to controlling interests per common share by dividing net income (loss) attributable to controlling interests by the weighted-average number of shares of common stock (including participating securities) outstanding during the period, as discussed below. Diluted computations applicable in financial reporting periods in which we report income reflect the potential dilution to the basic income per share of common stock computations that could occur if securities or other contracts to issue common stock were exercised, were converted into common stock or were to result in the issuance of common stock that would share in our results of operations. In performing our net income (loss) attributable to controlling interests per share of common stock computations, we apply accounting rules that require us to include all unvested stock awards that contain non-forfeitable rights to dividends or dividend equivalents, whether paid or unpaid, in the number of shares outstanding in our basic and diluted calculations. Common stock and certain unvested share-based payment awards earn dividends equally, and we have included all outstanding restricted stock awards in our basic and diluted calculations for current and prior periods. The following table sets forth the computations of net income attributable to controlling interests per share of common stock (in thousands, except per share data): For the Year Ended December 31, 2019 2018 Numerator: Net income attributable to controlling interests $ 26,443 $ 7,856 Preferred stock dividends and accretion (1,153 ) — Net income attributable to common shareholders $ 25,290 $ 7,856 Denominator: Basic (including unvested share-based payment awards) (1) 14,499 13,927 Effect of dilutive stock compensation arrangements 774 75 Diluted (including unvested share-based payment awards) (1) 15,273 14,002 Net income attributable to common shareholders per share—basic $ 1.74 $ 0.56 Net income attributable to common shareholders per share—diluted $ 1.66 $ 0.56 ( 1 Shares related to unvested share-based payment awards included in our basic and diluted share counts were 512,636 December 31, 2019 , 272,172 December 31, 2018 . As their effects were anti-dilutive, we excluded stock options to purchase 0.5 2.9 December 31, 2019 2018, 16 For the years ended December 31, 2019 2018 no $24.61 1 .4 10

Note 14 - Stock-based Compensat

Note 14 - Stock-based Compensation	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Share-based Payment Arrangement [Text Block]	14. Stock-Based Compensation We currently have two 2014 2014 2014 2019. 2014 2,000,000 two 31, 2019, 65,771 1,791,565 2014 Exercises and vestings under our stock-based compensation plans resulted in no December 31, 2019 2018 Restricted Stock and Restricted Stock Units During the years ended December 31, 2019 2018 229,500 533,177 $0.9 $1.3 $1.0 $0.7 December 31, 2019 2018 12 60 December 31, 2019 , $0.7 2 .1 Stock Options Our Fourth Amended 2014 may may not 10 $0.7 $0.6 December 31, 2019 2018 Number of Shares Weighted-Average Exercise Price Weighted-Average of Remaining Contractual Life (in years) Aggregate Intrinsic Value Outstanding at December 31, 2018 3,121,200 $ 3.50 Issued 50,000 $ 3.13 Exercised (469,701 ) $ 2.59 Cancelled/Forfeited (14,000 ) $ 3.13 Outstanding at December 31, 2019 2,687,499 $ 3.66 2.2 $ 14,386,956 Exercisable at December 31, 2019 1,076,836 $ 3.50 1.5 $ 5,930,463 We had $0.5 $1.2 December 31, 2019 December 31, 2018 ,

Note 15 - Employee Benefit Plan

Note 15 - Employee Benefit Plans	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Compensation and Employee Benefit Plans, Other than Share-based Compensation [Text Block]	15. Employee Benefit Plans We maintain a defined contribution retirement plan ( “401 401 3 3% 401 $285,618 $285,477 2019 2018 Also, all employees, excluding executive officers, are eligible to participate in the ESPP. Under the ESPP, employees can elect to have up to 10% $10,000. 85% $108,466 19,641 2019 $51,593 23,681 2018 100,000 $31,954 $28,629 2019 2018

Note 16 - Related Party Transac

Note 16 - Related Party Transactions	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Related Party Transactions Disclosure [Text Block]	16. Related Party Transactions Under a shareholders’ agreement which we entered into with certain shareholders, including David G. Hanna, Frank J. Hanna, III and certain trusts that were Hanna affiliates, following our initial public offering ( 1 one third 50% may 2 50% third may In June 2007, 1,000 600 $16,627 $18,089 2019 2018 January 1, 2020 May 2022 $41,527. In January 2013, four December 31, 2019 2018 $269,072 $270,932, On November 26, 2014, $40.0 December 27, 2019, 400,000 $40 $40.0 6% no may, January 1, 2025 $100 $100 January 1, 2024. $100 $10 three one two two

Significant Accounting Policies

Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2019
Accounting Policies [Abstract]
Basis of Accounting, Policy [Policy Text Block]	Basis of Presentation and Use of Estimates We prepare our consolidated financial statements in accordance with generally accepted accounting principles in the U.S. (“GAAP”). The preparation of financial statements in accordance with GAAP requires us to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities as of the date of our consolidated financial statements, as well as the reported amounts of revenues and expenses during each reporting period. We base these estimates on information available to us as of the date of the financial statements. Actual results could differ materially from these estimates. Certain estimates, such as credit losses, payment rates, costs of funds, discount rates and the yields earned on credit card receivables, significantly affect the reported amount of credit card receivables that we report at fair value and our notes payable associated with structured financings, at fair value; these estimates likewise affect the changes in these amounts reflected within our fees and related income on earning assets line item on our consolidated statements of operations. Additionally, estimates of future credit losses have a significant effect on loans, interest and fees receivable, net, as shown on our consolidated balance sheets, as well as on the provision for losses on loans, interest and fees receivable within our consolidated statements of operations. We have eliminated all significant intercompany balances and transactions for financial reporting purposes.
Cash and Cash Equivalents, Unrestricted Cash and Cash Equivalents, Policy [Policy Text Block]	Unrestricted Cash and Cash Equivalents Unrestricted cash and cash equivalents consist of cash, money market investments and overnight deposits. We consider all highly liquid cash investments with low interest rate risk and original maturities of three not
Cash and Cash Equivalents, Restricted Cash and Cash Equivalents, Policy [Policy Text Block]	Restricted Cash Restricted cash as of December 31, 2019 2018
Receivable [Policy Text Block]	Loans, Interest and Fees Receivable Loans, Interest and Fees Receivable, at Fair Value. 6, Loans, Interest and Fees Receivable. $182.9 $179.4 December 31, 2019 2018 We show both an allowance for uncollectible loans, interest and fees receivable and unearned fees (or “deferred revenue”) for our loans, interest and fees receivable (i.e., as opposed to those carried at fair value). Our loans, interest and fees receivable consist of smaller-balance, homogeneous loans, divided into two may may not These reserves are considered in conjunction with (and potentially reduced by) any unearned fees and discounts that may may may Certain of our loans, interest and fees receivable also contain components of deferred revenue including merchant fees on the purchases of receivables for our point-of-sale receivables and annual fee billings for our direct-to-consumer credit card receivables. Our point-of-sale and auto finance loans, interest and fees receivable include principal balances and associated fees and interest due from customers which are earned each period a loan is outstanding, net of the unearned portion of merchant fees and loan discounts. Additionally, many of our direct-to-consumer credit card receivables have an annual membership fee that is billed to the consumer on card activation and for each anniversary of that date thereafter. As of December 31, 2019 December 31, 2018 $90.3 $43.9 11 $48.1 $30.0 December 31, 2019 December 31, 2018 A roll-forward (in millions) of our allowance for uncollectible loans, interest and fees receivable by class of receivable is as follows: For the Year ended December 31, 2019 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at beginning of period $ (35.4 ) $ (1.3 ) $ (42.5 ) $ (79.2 ) Provision for loan losses (161.5 ) (3.5 ) (83.4 ) (248.4 ) Charge offs 80.2 4.6 68.1 152.9 Recoveries (4.6 ) (1.4 ) (5.6 ) (11.6 ) Balance at end of period $ (121.3 ) $ (1.6 ) $ (63.4 ) $ (186.3 ) As of December 31, 2019 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at end of period individually evaluated for impairment $ — $ (0.4 ) $ (0.1 ) $ (0.5 ) Balance at end of period collectively evaluated for impairment $ (121.3 ) $ (1.2 ) $ (63.3 ) $ (185.8 ) Loans, interest and fees receivable: Loans, interest and fees receivable, gross $ 509.2 $ 89.8 $ 399.2 $ 998.2 Loans, interest and fees receivable individually evaluated for impairment $ — $ 2.1 $ 0.1 $ 2.2 Loans, interest and fees receivable collectively evaluated for impairment $ 509.2 $ 87.7 $ 399.1 $ 996.0 For the Year ended December 31, 2018 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at beginning of period $ (18.2 ) $ (2.3 ) $ (42.5 ) $ (63.0 ) Provision for loan losses (46.6 ) (0.3 ) (53.4 ) (100.3 ) Charge offs 29.9 2.2 58.2 90.3 Recoveries (0.5 ) (0.9 ) (4.8 ) (6.2 ) Balance at end of period $ (35.4 ) $ (1.3 ) $ (42.5 ) $ (79.2 ) As of December 31, 2018 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at end of period individually evaluated for impairment $ — $ (0.2 ) $ (0.1 ) $ (0.3 ) Balance at end of period collectively evaluated for impairment $ (35.4 ) $ (1.1 ) $ (42.4 ) $ (78.9 ) Loans, interest and fees receivable: Loans, interest and fees receivable, gross $ 188.6 $ 88.1 $ 264.6 $ 541.3 Loans, interest and fees receivable individually evaluated for impairment $ — $ 0.4 $ 0.1 $ 0.5 Loans, interest and fees receivable collectively evaluated for impairment $ 188.6 $ 87.7 $ 264.5 $ 540.8 Delinquent loans, interest and fees receivable reflect the principal, fee and interest components of loans we did not not 90 180 30 not Recoveries on accounts previously charged off are credited to the allowance for uncollectible loans, interest and fees receivable and effectively offset our provision for losses on loans, interest and fees receivable recorded at net realizable value on our consolidated statements of operations. (All of the above discussion relates only to our loans, interest and fees receivable for which we use net realizable value, as opposed to fair value accounting. For loans, interest and fees receivable recorded at fair value, recoveries offset losses upon impairment of the underlying loans, interest and fees receivable recorded at fair value, net of recoveries on our consolidated statements of operations.) We consider loan delinquencies a key indicator of credit quality because this measure provides the best ongoing estimate of how a particular class of receivables is performing. An aging of our delinquent loans, interest and fees receivable, gross (in millions) by class of receivable as of December 31, 2019 December 31, 2018 As of December 31, 2019 Credit Cards Auto Finance Other Unsecured Lending Products Total 30-59 days past due $ 21.7 $ 8.1 $ 14.0 $ 43.8 60-89 days past due 18.5 3.0 11.5 33.0 90 or more days past due 46.6 2.6 27.2 76.4 Delinquent loans, interest and fees receivable, gross 86.8 13.7 52.7 153.2 Current loans, interest and fees receivable, gross 422.4 76.1 346.5 845.0 Total loans, interest and fees receivable, gross $ 509.2 $ 89.8 $ 399.2 $ 998.2 Balance of loans greater than 90-days delinquent still accruing interest and fees $ — $ 1.9 $ — $ 1.9 As of December 31, 2018 Credit Cards Auto Finance Other Unsecured Lending Products Total 30-59 days past due $ 7.1 $ 7.9 $ 9.7 $ 24.7 60-89 days past due 5.3 2.8 7.6 15.7 90 or more days past due 12.3 2.2 18.5 33.0 Delinquent loans, interest and fees receivable, gross 24.7 12.9 35.8 73.4 Current loans, interest and fees receivable, gross 163.9 75.2 228.8 467.9 Total loans, interest and fees receivable, gross $ 188.6 $ 88.1 $ 264.6 $ 541.3 Balance of loans greater than 90-days delinquent still accruing interest and fees $ — $ 1.5 $ — $ 1.5 Troubled Debt Restructurings. 90 may not one The following table details by class of receivable, the number and amount of modified loans, including TDRs that have been re-aged, as of December 31, 2019 December 31, 2018 As of December 31, 2019 December 31, 2018 Point-of-sale Direct-to-consumer Point-of-sale Direct-to-consumer Number of TDRs 10,682 14,553 6,095 3,584 Number of TDRs that have been re-aged 2,788 2,854 2,759 1,111 Amount of TDRs on non-accrual status (in thousands) $ 14,468 $ 13,037 $ 4,885 $ 1,942 Amount of TDRs on non-accrual status above that have been re-aged (in thousands) $ 5,118 $ 3,104 $ 3,782 $ 955 Carrying value of TDRs (in thousands) $ 8,864 $ 7,312 $ 3,333 $ 1,363 TDRs - Performing (carrying value, in thousands)* $ 6,754 $ 6,106 $ 2,525 $ 1,191 TDRs - Nonperforming (carrying value, in thousands)* $ 2,110 $ 1,206 $ 808 $ 172 *“TDRs - Performing” include accounts that are current on all amounts owed, while “TDRs - Nonperforming” include all accounts with past due amounts owed. Given that the above TDRs have a high reserve rate prior to modification as TDRs, we do not The Company modified 31,409 21,997 $43.3 $33.2 twelve December 31, 2019 December 31, 2018 twelve Twelve Months Ended December 31, 2019 December 31, 2018 Point-of-sale Direct-to-consumer Point-of-sale Direct-to-consumer Number of accounts 2,835 3,339 6,903 5,415 Loan balance at time of charge off (in thousands) $ 4,397 $ 3,545 $ 9,634 $ 4,963
Property, Plant and Equipment, Policy [Policy Text Block]	Property at Cost, Net of Depreciation We capitalize costs related to internal development and implementation of software used in our operating activities in accordance with applicable accounting literature. These capitalized costs consist almost exclusively of fees paid to third We record our property at cost less accumulated depreciation or amortization. We compute depreciation expense using the straight-line method over the estimated useful lives of our assets, which are approximately 5 3 We periodically review our property to determine if it is impaired. We incurred no 2019 no 2018
Equity Method Investments [Policy Text Block]	Investment in Equity-Method Investee We account for an investment using the equity method of accounting if we have the ability to exercise significant influence, but not We use the equity method for our 66.7% 2004 not We evaluate our investments in the equity-method investee for impairment each quarter by comparing the carrying amount of the investment to its fair value. Because no
Prepaid Expenses and Other Assets [Policy Text Block]	Prepaid Expenses and Other Assets Prepaid expenses and other assets include amounts paid to third third 1 2 3
Accounts Payable and Accrued Expenses [Policy Text Block]	Accounts Payable and Accrued Expenses Accounts payable and accrued expenses reflect both the billed and unbilled amounts owed at the end of a period for services rendered. Commencing in July 2019, third 10 37 may one
Revenue from Contract with Customer [Policy Text Block]	Revenue Recognition and Revenue from Contracts with Customers Consumer Loans, Including Past Due Fees Consumer loans, including past due fees reflect interest income, including finance charges, and late fees on loans in accordance with the terms of the related customer agreements. Premiums, discounts and merchant fees paid or received associated with an installment or auto loan are generally deferred and amortized over the average life of the related loans using the effective interest method. Finance charges and fees, net of amounts that we consider uncollectible, are included in loans, interest and fees receivable and revenue when the fees are earned based upon the contractual terms of the loans. Fees and Related Income on Earning Assets Fees and related income on earning assets primarily include: ( 1 2 3 4 We assess fees on credit card accounts underlying our credit card receivables according to the terms of the related cardholder agreements and, except for annual membership fees, we recognize these fees as income when they are charged to the customers’ accounts. We accrete annual membership fees associated with our credit card receivables into income on a straight-line basis over the cardholder privilege period which is generally 12 The components (in thousands) of our fees and related income on earning assets are as follows: Year Ended December 31, 2019 2018 Fees on credit products $ 68,639 $ 25,694 Changes in fair value of loans, interest and fees receivable recorded at fair value 1,251 606 Changes in fair value of notes payable associated with structured financings recorded at fair value 1,731 3,589 Other (474 ) 103 Total fees and related income on earning assets $ 71,147 $ 29,992 The above changes in the fair value of loans, interest and fees receivable recorded at fair value category exclude the impact of current period charge offs associated with these receivables which are separately stated in Net losses upon impairment of loans, interest and fees receivable recorded at fair value on our consolidated statements of operations. See Note 6, Other income Other income includes revenues associated with ancillary product offerings and interchange revenues. We recognize these fees as income in the period earned. Included in Other income for 2019 $105.9 one may may December 31, 2019, no 2018, £34 $42.9 $36.2 Revenue from Contracts with Customers In the first 2018 No. 2014 09, no not not Credit and For the Year ended December 31, 2019 Other Investments Auto Finance Total Interchange revenues, net (1) $ 8,495 $ — $ 8,495 Servicing income 857 929 1,786 Service charges and other customer related fees 3,407 66 3,473 Total revenue from contracts with customers $ 12,759 $ 995 $ 13,754 ( 1 Credit and For the Year ended December 31, 2018 Other Investments Auto Finance Total Interchange revenues, net (1) $ 2,881 $ — $ 2,881 Servicing income 947 1,022 1,969 Service charges and other customer related fees 637 69 706 Total revenue from contracts with customers $ 4,465 $ 1,091 $ 5,556 ( 1
Selling, General and Administrative Expenses, Policy [Policy Text Block]	Card and Loan Servicing Expenses Card and loan servicing costs primarily include collections and customer service expenses. Within this category of expenses are personnel, service bureau, cardholder correspondence and other direct costs associated with our collections and customer service efforts. Card and loan servicing costs also include outsourced collections and customer service expenses. We expense card and loan servicing costs as we incur them, with the exception of prepaid costs, which we expense over respective service periods.
Advertising Cost [Policy Text Block]	Marketing and Solicitation Expenses We expense product solicitation costs, including printing, credit bureaus, list processing, telemarketing, postage, and internet marketing fees, as we incur these costs or expend resources.
New Accounting Pronouncements, Policy [Policy Text Block]	Recent Accounting Pronouncements In June 2016, 2016 13, 2018 19, 2019 04, 2019 10 2019 11 May 2019 2019 05 326 20, first 2016 13 2019 05 December 15, 2019, December 15, 2022 In February 2016, No. 2016 02, January 1, 2019 not ASU 2016 02 not not not not Upon adoption, we recognized additional lease liabilities of $30.2 $18.6 $0.6 not 8,
Subsequent Events, Policy [Policy Text Block]	Subsequent Events We evaluate subsequent events that occur after our consolidated balance sheet date but before our consolidated financial statements are issued. There are two 1 2 not December 31, 2019 , not As of January 1, 2020, January 1, 2020 ( January 1, 2020 2020 January 1, 2020 no On January 30, 2020, 19 March 2020, 19 The full impact of the COVID- 19 19 19 2020.

Note 2 - Significant Accounti_2

Note 2 - Significant Accounting Policies and Consolidated Financial Statement Components (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Financing Receivable, Current, Allowance for Credit Loss [Table Text Block]	For the Year ended December 31, 2019 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at beginning of period $ (35.4 ) $ (1.3 ) $ (42.5 ) $ (79.2 ) Provision for loan losses (161.5 ) (3.5 ) (83.4 ) (248.4 ) Charge offs 80.2 4.6 68.1 152.9 Recoveries (4.6 ) (1.4 ) (5.6 ) (11.6 ) Balance at end of period $ (121.3 ) $ (1.6 ) $ (63.4 ) $ (186.3 ) As of December 31, 2019 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at end of period individually evaluated for impairment $ — $ (0.4 ) $ (0.1 ) $ (0.5 ) Balance at end of period collectively evaluated for impairment $ (121.3 ) $ (1.2 ) $ (63.3 ) $ (185.8 ) Loans, interest and fees receivable: Loans, interest and fees receivable, gross $ 509.2 $ 89.8 $ 399.2 $ 998.2 Loans, interest and fees receivable individually evaluated for impairment $ — $ 2.1 $ 0.1 $ 2.2 Loans, interest and fees receivable collectively evaluated for impairment $ 509.2 $ 87.7 $ 399.1 $ 996.0 For the Year ended December 31, 2018 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at beginning of period $ (18.2 ) $ (2.3 ) $ (42.5 ) $ (63.0 ) Provision for loan losses (46.6 ) (0.3 ) (53.4 ) (100.3 ) Charge offs 29.9 2.2 58.2 90.3 Recoveries (0.5 ) (0.9 ) (4.8 ) (6.2 ) Balance at end of period $ (35.4 ) $ (1.3 ) $ (42.5 ) $ (79.2 ) As of December 31, 2018 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at end of period individually evaluated for impairment $ — $ (0.2 ) $ (0.1 ) $ (0.3 ) Balance at end of period collectively evaluated for impairment $ (35.4 ) $ (1.1 ) $ (42.4 ) $ (78.9 ) Loans, interest and fees receivable: Loans, interest and fees receivable, gross $ 188.6 $ 88.1 $ 264.6 $ 541.3 Loans, interest and fees receivable individually evaluated for impairment $ — $ 0.4 $ 0.1 $ 0.5 Loans, interest and fees receivable collectively evaluated for impairment $ 188.6 $ 87.7 $ 264.5 $ 540.8
Financing Receivable, Past Due [Table Text Block]	As of December 31, 2019 Credit Cards Auto Finance Other Unsecured Lending Products Total 30-59 days past due $ 21.7 $ 8.1 $ 14.0 $ 43.8 60-89 days past due 18.5 3.0 11.5 33.0 90 or more days past due 46.6 2.6 27.2 76.4 Delinquent loans, interest and fees receivable, gross 86.8 13.7 52.7 153.2 Current loans, interest and fees receivable, gross 422.4 76.1 346.5 845.0 Total loans, interest and fees receivable, gross $ 509.2 $ 89.8 $ 399.2 $ 998.2 Balance of loans greater than 90-days delinquent still accruing interest and fees $ — $ 1.9 $ — $ 1.9 As of December 31, 2018 Credit Cards Auto Finance Other Unsecured Lending Products Total 30-59 days past due $ 7.1 $ 7.9 $ 9.7 $ 24.7 60-89 days past due 5.3 2.8 7.6 15.7 90 or more days past due 12.3 2.2 18.5 33.0 Delinquent loans, interest and fees receivable, gross 24.7 12.9 35.8 73.4 Current loans, interest and fees receivable, gross 163.9 75.2 228.8 467.9 Total loans, interest and fees receivable, gross $ 188.6 $ 88.1 $ 264.6 $ 541.3 Balance of loans greater than 90-days delinquent still accruing interest and fees $ — $ 1.5 $ — $ 1.5
Financing Receivable, Troubled Debt Restructuring [Table Text Block]	As of December 31, 2019 December 31, 2018 Point-of-sale Direct-to-consumer Point-of-sale Direct-to-consumer Number of TDRs 10,682 14,553 6,095 3,584 Number of TDRs that have been re-aged 2,788 2,854 2,759 1,111 Amount of TDRs on non-accrual status (in thousands) $ 14,468 $ 13,037 $ 4,885 $ 1,942 Amount of TDRs on non-accrual status above that have been re-aged (in thousands) $ 5,118 $ 3,104 $ 3,782 $ 955 Carrying value of TDRs (in thousands) $ 8,864 $ 7,312 $ 3,333 $ 1,363 TDRs - Performing (carrying value, in thousands)* $ 6,754 $ 6,106 $ 2,525 $ 1,191 TDRs - Nonperforming (carrying value, in thousands)* $ 2,110 $ 1,206 $ 808 $ 172 Twelve Months Ended December 31, 2019 December 31, 2018 Point-of-sale Direct-to-consumer Point-of-sale Direct-to-consumer Number of accounts 2,835 3,339 6,903 5,415 Loan balance at time of charge off (in thousands) $ 4,397 $ 3,545 $ 9,634 $ 4,963
Components of Fees and Related Income on Earning Assets [Table Text Block]	Year Ended December 31, 2019 2018 Fees on credit products $ 68,639 $ 25,694 Changes in fair value of loans, interest and fees receivable recorded at fair value 1,251 606 Changes in fair value of notes payable associated with structured financings recorded at fair value 1,731 3,589 Other (474 ) 103 Total fees and related income on earning assets $ 71,147 $ 29,992
Disaggregation of Revenue [Table Text Block]	Credit and For the Year ended December 31, 2019 Other Investments Auto Finance Total Interchange revenues, net (1) $ 8,495 $ — $ 8,495 Servicing income 857 929 1,786 Service charges and other customer related fees 3,407 66 3,473 Total revenue from contracts with customers $ 12,759 $ 995 $ 13,754 Credit and For the Year ended December 31, 2018 Other Investments Auto Finance Total Interchange revenues, net (1) $ 2,881 $ — $ 2,881 Servicing income 947 1,022 1,969 Service charges and other customer related fees 637 69 706 Total revenue from contracts with customers $ 4,465 $ 1,091 $ 5,556

Note 3 - Segment Reporting (Tab

Note 3 - Segment Reporting (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Schedule of Segment Reporting Information, by Segment [Table Text Block]	Year ended December 31, 2019 Credit and Other Investments Auto Finance Total Interest income: Consumer loans, including past due fees $ 229,388 $ 31,444 $ 260,832 Other 386 — 386 Total interest income 229,774 31,444 261,218 Interest expense (49,065 ) (1,665 ) (50,730 ) Net interest income before fees and related income on earning assets and provision for losses on loans, interest and fees receivable $ 180,709 $ 29,779 $ 210,488 Fees and related income on earning assets $ 70,984 $ 163 $ 71,147 Servicing income $ 857 $ 929 $ 1,786 Gain on repurchase of convertible senior notes $ 5,127 $ — $ 5,127 Equity in income of equity-method investee $ 1,001 $ — $ 1,001 Income before income taxes $ 25,005 $ 6,758 $ 31,763 Income tax expense $ (3,830 ) $ (1,723 ) $ (5,553 ) Total assets $ 856,354 $ 79,912 $ 936,266 Year ended December 31, 2018 Credit and Other Investments Auto Finance Total Interest income: Consumer loans, including past due fees $ 131,096 $ 29,872 $ 160,968 Other 200 — 200 Total interest income 131,296 29,872 161,168 Interest expense (35,564 ) (1,332 ) (36,896 ) Net interest income before fees and related income on earning assets and provision for losses on loans, interest and fees receivable $ 95,732 $ 28,540 $ 124,272 Fees and related income on earning assets $ 29,912 $ 80 $ 29,992 Servicing income $ 947 $ 1,022 $ 1,969 Equity in income of equity-method investee $ 581 $ — $ 581 (Loss) income before income taxes $ (6,767 ) $ 10,249 $ 3,482 Income tax benefit (expense) $ 6,345 $ (2,215 ) $ 4,130 Total assets $ 507,232 $ 75,376 $ 582,608

Note 5 - Investment in Equity_2

Note 5 - Investment in Equity-method Investee (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Equity Method Investments [Table Text Block]	As of December 31, 2019 December 31, 2018 Loans, interest and fees receivables, at fair value $ 2,757 $ 3,546 Total assets $ 2,922 $ 3,732 Total liabilities $ 13 $ 18 Members’ capital $ 2,909 $ 3,714 Year ended December 31, 2019 2018 Net interest income (loss), fees and related income on earning assets $ 1,505 $ 875 Net income $ 1,318 $ 613 Net income attributable to investee $ 1,001 $ 581

Note 6 - Fair Values of Asset_2

Note 6 - Fair Values of Assets and Liabilities (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Fair Value, Assets Measured on Recurring Basis [Table Text Block]	Assets – As of December 31, 2019 (1) Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Carrying Amount of Assets Loans, interest and fees receivable, net for which it is practicable to estimate fair value $ — $ — $ 781,208 $ 721,573 Loans, interest and fees receivable, at fair value $ — $ — $ 4,386 $ 4,386 Assets – As of December 31, 2018 (1) Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Carrying Amount of Assets Loans, interest and fees receivable, net for which it is practicable to estimate fair value $ — $ — $ 470,496 $ 418,236 Loans, interest and fees receivable, at fair value $ — $ — $ 6,306 $ 6,306
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Table Text Block]	Loans, Interest and Fees Receivables, at Fair Value 2019 2018 Balance at January 1, $ 6,306 $ 11,109 Total gains—realized/unrealized: Net revaluations of loans, interest and fees receivable, at fair value 1,251 606 Settlements (3,171 ) (5,395 ) Impact of foreign currency translation — (14 ) Balance at December 31, $ 4,386 $ 6,306
Fair Value Measurement Inputs and Valuation Techniques [Table Text Block]	Fair Value Measurement Fair Value at December 31, 2019 (in thousands) Valuation Technique Unobservable Input Range (Weighted Average) Loans, interest and fees receivable, at fair value $ 4,386 Discounted cash flows Gross yield 27.5% to 59.4% (31.0%) Principal payment rate 2.2% to 5.5% (2.6%) Expected credit loss rate 10.5% to 39.4% (13.7%) Servicing rate 11.3% to 16.9% (11.9%) Discount rate 14.3% to 14.3% (14.3%) Fair Value Measurement Fair Value at December 31, 2018 (in thousands) Valuation Technique Unobservable Input Range (Weighted Average) Loans, interest and fees receivable, at fair value $ 6,306 Discounted cash flows Gross yield 25.8% to 30.8% (26.4%) Principal payment rate 2.2% to 3.0% (2.3%) Expected credit loss rate 8.7% to 11.3% (9.0%) Servicing rate 14.9% to 19.5% (15.5%) Discount rate 14.9% to 14.9% (14.9%) Fair Value Measurement Fair Value at December 31, 2019 (in thousands) Valuation Technique Unobservable Input Weighted Average Notes payable associated with structured financings, at fair value $ 3,920 Discounted cash flows Gross yield 27.5 % Principal payment rate 2.2 % Expected credit loss rate 10.5 % Discount rate 14.3 % Fair Value Measurement Fair Value at December 31, 2018 (in thousands) Valuation Technique Unobservable Input Weighted Average Notes payable associated with structured financings, at fair value $ 5,651 Discounted cash flows Gross yield 25.8 % Principal payment rate 2.2 % Expected credit loss rate 8.7 % Discount rate 14.9 %
Fair Value, Liabilities Measured on Recurring Basis [Table Text Block]	Liabilities – As of December 31, 2019 Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Carrying Amount of Liabilities Liabilities not carried at fair value Revolving credit facilities $ — $ — $ 720,687 $ 720,687 Amortizing debt facilities $ — $ — $ 28,522 $ 28,522 Notes payable to related parties $ — $ — $ — $ — Convertible senior notes $ — $ 16,920 $ — $ 24,091 Liabilities carried at fair value Notes payable associated with structured financings, at fair value $ — $ — $ 3,920 $ 3,920 Liabilities – As of December 31, 2018 Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Carrying Amount of Liabilities Liabilities not carried at fair value Revolving credit facilities $ — $ — $ 389,707 $ 389,707 Amortizing debt facilities $ — $ — $ 1,220 $ 1,220 Notes payable to related parties $ — $ — $ 40,000 $ 40,000 Convertible senior notes $ — $ 47,230 $ — $ 62,142 Liabilities carried at fair value Notes payable associated with structured financings, at fair value $ — $ — $ 5,651 $ 5,651
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Table Text Block]	Notes Payable Associated with Structured Financings, at Fair Value 2019 2018 Balance at January 1, $ 5,651 $ 9,240 Total (gains) losses—realized/unrealized: Net revaluations of notes payable associated with structured financings, at fair value (1,731 ) (3,589 ) Repayments on outstanding notes payable, net — — Balance at December 31, $ 3,920 $ 5,651
Fair Value Option, Disclosures [Table Text Block]	As of December 31, 2019 Loans, Interest and Fees Receivable at Fair Value Loans, Interest and Fees Receivable Pledged as Collateral under Structured Financings at Fair Value Aggregate unpaid principal balance within loans, interest and fees receivable that are reported at fair value $ 644 $ 5,280 Aggregate fair value of loans, interest and fees receivable that are reported at fair value $ 466 $ 3,920 Aggregate fair value of receivables carried at fair value that are 90 days or more past due (which also coincides with finance charge and fee non-accrual policies) $ 1 $ 8 Unpaid principal balance of receivables within loans, interest and fees receivable that are reported at fair value and are 90 days or more past due (which also coincides with finance charge and fee non-accrual policies) over the fair value of such loans, interest and fees receivable $ 28 $ 185 As of December 31, 2018 Loans, Interest and Fees Receivable at Fair Value Loans, Interest and Fees Receivable Pledged as Collateral under Structured Financings at Fair Value Aggregate unpaid principal balance within loans, interest and fees receivable that are reported at fair value $ 1,160 $ 7,708 Aggregate fair value of loans, interest and fees receivable that are reported at fair value $ 655 $ 5,651 Aggregate fair value of receivables carried at fair value that are 90 days or more past due (which also coincides with finance charge and fee non-accrual policies) $ 3 $ 7 Unpaid principal balance of receivables within loans, interest and fees receivable that are reported at fair value and are 90 days or more past due (which also coincides with finance charge and fee non-accrual policies) over the fair value of such loans, interest and fees receivable $ 35 $ 224 Notes Payable Notes Payable Associated with Structured Financings, at Fair Value as of December 31, 2019 Notes Payable Associated with Structured Financings, at Fair Value as of December 31, 2018 Aggregate unpaid principal balance of notes payable $ 101,314 $ 101,314 Aggregate fair value of notes payable $ 3,920 $ 5,651

Note 7 - Property (Tables)

Note 7 - Property (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Property, Plant and Equipment [Table Text Block]	As of December 31, 2019 2018 Software $ 3,543 $ 3,467 Furniture and fixtures 6,431 6,307 Data processing and telephone equipment 7,675 7,625 Leasehold improvements 10,570 10,570 Other 1,156 1,156 Total cost 29,375 29,125 Less accumulated depreciation (26,637 ) (25,500 ) Property, net $ 2,738 $ 3,625

Note 8 - Leases (Tables)

Note 8 - Leases (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Lease, Cost [Table Text Block]	For the Year ended December 31, 2019 2018 Operating lease cost, gross $ 6,875 $ 6,758 Sublease income (5,133 ) (5,080 ) Net Operating lease cost $ 1,742 $ 1,678 Cash paid under operating leases, gross $ 10,080 $ 9,913 Weighted average remaining lease term - months 29 Weighted average discount rate 6.9 %
Operating Lease, Liability and Payments to be Received, Maturity [Table Text Block]	Gross Lease Payment Payments received from Sublease Net Lease Payment 2020 $ 10,213 $ (7,115 ) $ 3,098 2021 10,221 (7,315 ) 2,906 2022 4,407 (3,112 ) 1,295 2023 126 — 126 2024 30 — 30 Thereafter — — — Total lease payments 24,997 (17,542 ) 7,455 Less imputed interest (2,738 ) Total $ 22,259

Note 9 - Notes Payable and Va_2

Note 9 - Notes Payable and Variable Interest Entities (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Schedule of Variable Interest Entities [Table Text Block]	As of December 31, 2019 December 31, 2018 Unrestricted cash and cash equivalents $ 78.7 $ 16.8 Restricted cash and cash equivalents $ 25.9 $ 61.0 Loans, interest and fees receivable, at fair value $ 3.9 $ 5.7 Loans, interest and fees receivable, gross $ 857.2 $ 403.4 Allowances for uncollectible loans, interest and fees receivable $ (168.8 ) $ (57.4 ) Deferred revenue $ (40.7 ) $ (13.2 ) Total Assets held by VIEs $ 756.2 $ 416.3 Notes Payable, at face value held by VIEs $ 701.1 $ 366.7 Notes Payable, at fair value held by VIEs $ 3.9 $ 5.7 Maximum exposure to loss due to involvement with VIEs $ 654.3 $ 438.5
Schedule of Debt [Table Text Block]	As of December 31, 2019 December 31, 2018 Revolving credit facilities at a weighted average interest rate equal to 6.0% at December 31, 2019 (7.6% at December 31, 2018) secured by the financial and operating assets of CAR and/or certain receivables and restricted cash with a combined aggregate carrying amount of $740.4 million as of December 31, 2019 ($468.8 million at December 31, 2018) Revolving credit facility, not to exceed $55.0 million (expiring November 1, 2021) (1) (2) (3) $ 39.1 $ 30.0 Revolving credit facility, not to exceed $50.0 million (expiring October 30, 2022) (2) (3) (4) (5) 40.5 49.9 Revolving credit facility, not to exceed $20.0 million (expiring March 31, 2020) (2) (4) (5) 19.4 — Revolving credit facility, not to exceed $70.0 million (expiring February 8, 2022) (3) (4) (5) (6) 25.8 61.0 Revolving credit facility, not to exceed $100.0 million (expiring June 11, 2021) (3) (4) (5) (6) — 80.5 Revolving credit facility, not to exceed $15.0 million (expiring July 15, 2021) (2) (4) (5) 14.6 — Revolving credit facility, not to exceed $100.0 million (expiring November 16, 2020) (3) (4) (5) (6) — 8.0 Revolving credit facility, not to exceed $167.3 million (expiring November 15, 2023) (3) (4) (5) (6) 167.3 167.3 Revolving credit facility, not to exceed $200.0 million (expiring December 15, 2022) (3) (4) (5) (6) 200.0 — Revolving credit facility, not to exceed $200.0 million (expiring May 15, 2024) (3) (4) (5) (6) 200.0 — Revolving credit facility, not to exceed $15.0 million (expiring December 21, 2020) (2) (3) (4) (5) 8.6 — Revolving credit facility, not to exceed $50.0 million (expiring September 19, 2021) (2) (3) (4) (5) 15.0 — Other facilities Other secured debt (expiring September 8, 2023) that is secured by certain assets of the Company with an annual rate equal to 5.5% 1.2 1.2 Unsecured term debt (expiring August 26, 2024) with an annual rate equal to 8.0% (3) 17.4 — Amortizing debt facility (expiring September 30, 2021) with an annual rate equal to 6.2% (2) (3) (4) (5) 10.0 — Senior secured term loan to related parties (paid-off on December 27, 2019) that was secured by certain assets of the Company with an annual rate equal to 9.0% (3) — 40.0 Total notes payable before unamortized debt issuance costs and discounts 758.9 437.9 Unamortized debt issuance costs and discounts (9.7 ) (7.0 ) Total notes payable outstanding $ 749.2 $ 430.9
Structured Financing Notes Payable [Member]
Notes Tables
Schedule of Debt [Table Text Block]	Carrying Amounts at Fair Value as of December 31, 2019 December 31, 2018 Securitization facility (stated maturity of December 2021), outstanding face amount of $101.3 million as of December 31, 2019 ($101.3 million as of December 31, 2018) bearing interest at a weighted average 6.9% interest rate, based upon LIBOR, at December 31, 2019 (7.5% at December 31, 2018), which is secured by credit card receivables and restricted cash aggregating $3.9 million as of December 31, 2019 ($5.7 million as of December 31, 2018) in carrying amount $ 3.9 $ 5.7

Note 10 - Convertible Senior _2

Note 10 - Convertible Senior Notes (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Schedule of Long-term Debt Instruments [Table Text Block]	As of December 31, 2019 December 31, 2018 Face amount of convertible senior notes $ 33,839 $ 88,280 Discount (9,748 ) (26,138 ) Net carrying value $ 24,091 $ 62,142 Carrying amount of equity component included in paid-in capital $ 108,714 $ 108,714 Excess of instruments’ if-converted values over face principal amounts $ — $ —

Note 12 - Income Taxes (Tables)

Note 12 - Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Schedule of Components of Income Tax Expense (Benefit) [Table Text Block]	For the Year Ended December 31, 2019 2018 Federal income tax (expense) benefit: Current tax benefit (expense) $ 279 $ 5,932 Deferred tax (expense) benefit (5,395 ) (1,159 ) Total federal income tax (expense) benefit $ (5,116 ) $ 4,773 Foreign income tax benefit (expense): Current tax benefit (expense) $ 25 $ (53 ) Deferred tax (expense) benefit (15 ) 3 Total foreign income tax benefit (expense) $ 10 $ (50 ) State and other income tax (expense) benefit: Current tax expense $ (709 ) $ (3 ) Deferred tax benefit (expense) 262 (590 ) Total state and other income tax expense $ (447 ) $ (593 ) Total income tax (expense) benefit $ (5,553 ) $ 4,130
Schedule of Effective Income Tax Rate Reconciliation [Table Text Block]	For the Year Ended December 31, 2019 2018 Statutory expense rate 21.0 % 21.0 % Increase (decrease) in statutory tax expense rate resulting from: Federal valuation allowance (4.4 ) (132.0 ) Global intangible low-taxed income 0.8 9.6 Interest and penalties related to uncertain tax positions and IRS settlement adjustment 0.6 (27.2 ) Foreign taxes, net of valuation allowance (0.5 ) (8.2 ) Permanent and other prior year true ups and tax effect of non-controlling interest (1.1 ) 4.7 State taxes, net of valuation allowance 1.1 13.5 Effective expense (benefit) rate 17.5 % (118.6 )%
Schedule of Deferred Tax Assets and Liabilities [Table Text Block]	As of December 31, 2019 2018 Deferred tax assets: Software development costs/fixed assets $ — $ 108 Goodwill and intangible assets 113 895 Provision for loan loss 36,172 19,479 Equity-based compensation 792 748 Accrued expenses 386 307 Accruals for state taxes and interest associated with unrecognized tax benefits 108 87 Federal net operating loss carry-forward 18,643 44,485 Minimum tax credit carry-forward 520 1,015 Foreign net operating loss carry-forward 537 256 Other 40 151 State tax benefits, primarily from net operating losses 40,937 42,318 Deferred tax assets, gross $ 98,248 $ 109,849 Valuation allowances (39,161 ) (40,830 ) Deferred tax assets net of valuation allowance $ 59,087 $ 69,019 Deferred tax liabilities: Prepaid expenses and other $ (1,217 ) $ (210 ) Software development costs/fixed assets (176 ) — Equity in income of equity-method investee (1,154 ) (1,092 ) Credit card fair value election differences (21,513 ) (21,021 ) Market discount on loans (29,834 ) (21,749 ) Deferred costs (542 ) (469 ) Convertible senior notes (9,309 ) (22,106 ) Cancellation of indebtedness income — (1,882 ) Deferred tax liabilities, gross $ (63,745 ) $ (68,529 ) Deferred tax (liabilities) assets, net $ (4,658 ) $ 490
Summary of Positions for which Significant Change in Unrecognized Tax Benefits is Reasonably Possible [Table Text Block]	2019 2018 Balance at January 1, $ (414 ) $ (373 ) Reductions based on tax positions related to prior years 13 51 Additions based on tax positions related to the current year (83 ) (71 ) Interest and penalties accrued (29 ) (21 ) Balance at December 31, $ (513 ) $ (414 )

Note 13 - Net Income Attribut_2

Note 13 - Net Income Attributable to Controlling Interests Per Common Share (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]	For the Year Ended December 31, 2019 2018 Numerator: Net income attributable to controlling interests $ 26,443 $ 7,856 Preferred stock dividends and accretion (1,153 ) — Net income attributable to common shareholders $ 25,290 $ 7,856 Denominator: Basic (including unvested share-based payment awards) (1) 14,499 13,927 Effect of dilutive stock compensation arrangements 774 75 Diluted (including unvested share-based payment awards) (1) 15,273 14,002 Net income attributable to common shareholders per share—basic $ 1.74 $ 0.56 Net income attributable to common shareholders per share—diluted $ 1.66 $ 0.56

Note 14 - Stock-based Compens_2

Note 14 - Stock-based Compensation (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Share-based Payment Arrangement, Option, Activity [Table Text Block]	Number of Shares Weighted-Average Exercise Price Weighted-Average of Remaining Contractual Life (in years) Aggregate Intrinsic Value Outstanding at December 31, 2018 3,121,200 $ 3.50 Issued 50,000 $ 3.13 Exercised (469,701 ) $ 2.59 Cancelled/Forfeited (14,000 ) $ 3.13 Outstanding at December 31, 2019 2,687,499 $ 3.66 2.2 $ 14,386,956 Exercisable at December 31, 2019 1,076,836 $ 3.50 1.5 $ 5,930,463

Note 1 - Description of Our B_2

Note 1 - Description of Our Business (Details Textual)	12 Months Ended
	Dec. 31, 2019
Number of Reportable Segments	2

Note 2 - Significant Accounti_3

Note 2 - Significant Accounting Policies and Consolidated Financial Statement Components (Details Textual) $ in Thousands, £ in Millions	Jan. 01, 2019USD ($)	Dec. 31, 2019USD ($)	Dec. 31, 2018USD ($)	Dec. 31, 2018GBP (£)
Payments to Acquire Loans and Leases Held-for-investment, Total		$ 182,900	$ 179,400
Loans and Leases Receivable, Deferred Income, Total		$ 90,307	43,897
Weighted Average Remaining Accretion Period of Deferred Revenue		330 days
Unamortized Loan Commitment and Origination Fees and Unamortized Discounts or Premiums, Total		$ 48,100	$ 30,000
Financing Receivable, Modifications, Number of Contracts		31,409	21,997	21,997
Financing Receivable, Troubled Debt Restructuring		$ 43,300	$ 33,200
Asset Impairment Charges, Total		0	0
Proceeds from Legal Settlements			42,900	£ 34
Gain (Loss) Related to Litigation Settlement, Total			36,200
Operating Lease, Liability, Total		22,259
Operating Lease, Right-of-Use Asset		14,091
Accounting Standards Update 2016-02 [Member]
Operating Lease, Liability, Total	$ 30,200
Operating Lease, Right-of-Use Asset	18,600
Cumulative Effect on Retained Earnings, before Tax	$ 600
Other Income [Member]
Reduction in Accruals		$ 105,900
Equity Method Investment to Acquire Portfolio of Credit Card Receivables [Member]
Equity Method Investment, Ownership Percentage		66.70%
Furniture and Fixtures [Member]
Property, Plant and Equipment, Useful Life		5 years
Computer Equipment [Member]
Property, Plant and Equipment, Useful Life		3 years

Note 2 - Significant Accounti_4

Note 2 - Significant Accounting Policies and Consolidated Financial Statement Components - Summary of Allowance for Uncollectible Loans and Fees Receivable (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Allowance for uncollectible loans, interest and fees receivable:
Balance at beginning of period	$ (79,200)	$ (63,000)
Provision for loan losses	(248,383)	(100,338)
Charge offs	152,900	90,300
Recoveries	(11,600)	(6,200)
Balance at end of period	(186,300)	(79,200)
Balance at end of period individually evaluated for impairment	(500)	(300)
Balance at end of period collectively evaluated for impairment	(185,800)	(78,900)
Loans, interest and fees receivable:
Loans, interest and fees receivable, gross	998,209	541,344
Loans, interest and fees receivable individually evaluated for impairment	2,200	500
Loans, interest and fees receivable collectively evaluated for impairment	996,000	540,800
Credit Card Receivable [Member]
Allowance for uncollectible loans, interest and fees receivable:
Balance at beginning of period	(35,400)	(18,200)
Provision for loan losses	(161,500)	(46,600)
Charge offs	80,200	29,900
Recoveries	(4,600)	(500)
Balance at end of period	(121,300)	(35,400)
Balance at end of period individually evaluated for impairment
Balance at end of period collectively evaluated for impairment	(121,300)	(35,400)
Loans, interest and fees receivable:
Loans, interest and fees receivable, gross	509,200	188,600
Loans, interest and fees receivable individually evaluated for impairment
Loans, interest and fees receivable collectively evaluated for impairment	509,200	188,600
Automobile Loan [Member]
Allowance for uncollectible loans, interest and fees receivable:
Balance at beginning of period	(1,300)	(2,300)
Provision for loan losses	(3,500)	(300)
Charge offs	4,600	2,200
Recoveries	(1,400)	(900)
Balance at end of period	(1,600)	(1,300)
Balance at end of period individually evaluated for impairment	(400)	(200)
Balance at end of period collectively evaluated for impairment	(1,200)	(1,100)
Loans, interest and fees receivable:
Loans, interest and fees receivable, gross	89,800	88,100
Loans, interest and fees receivable individually evaluated for impairment	2,100	400
Loans, interest and fees receivable collectively evaluated for impairment	87,700	87,700
Other Unsecured Lending Products [Member]
Allowance for uncollectible loans, interest and fees receivable:
Balance at beginning of period	(42,500)	(42,500)
Provision for loan losses	(83,400)	(53,400)
Charge offs	68,100	58,200
Recoveries	(5,600)	(4,800)
Balance at end of period	(63,400)	(42,500)
Balance at end of period individually evaluated for impairment	(100)	(100)
Balance at end of period collectively evaluated for impairment	(63,300)	(42,400)
Loans, interest and fees receivable:
Loans, interest and fees receivable, gross	399,200	264,600
Loans, interest and fees receivable individually evaluated for impairment	100	100
Loans, interest and fees receivable collectively evaluated for impairment	$ 399,100	$ 264,500

Note 2 - Significant Accounti_5

Note 2 - Significant Accounting Policies and Consolidated Financial Statement Components - Summary of Aging of Delinquent Loans and Fees Receivable (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Delinquent loans and fees receivable, gross	$ 153,200	$ 73,400
Current loans, interest and fees receivable, gross	845,000	467,900
Loans, interest and fees receivable, gross	998,209	541,344
Balance of loans greater than 90-days delinquent still accruing interest and fees	1,900	1,500
Financial Asset, 30 to 59 Days Past Due [Member]
Delinquent loans and fees receivable, gross	43,800	24,700
Financial Asset, 60 to 89 Days Past Due [Member]
Delinquent loans and fees receivable, gross	33,000	15,700
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Delinquent loans and fees receivable, gross	76,400	33,000
Credit Card Receivable [Member]
Delinquent loans and fees receivable, gross	86,800	24,700
Current loans, interest and fees receivable, gross	422,400	163,900
Loans, interest and fees receivable, gross	509,200	188,600
Balance of loans greater than 90-days delinquent still accruing interest and fees
Credit Card Receivable [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Delinquent loans and fees receivable, gross	21,700	7,100
Credit Card Receivable [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Delinquent loans and fees receivable, gross	18,500	5,300
Credit Card Receivable [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Delinquent loans and fees receivable, gross	46,600	12,300
Automobile Loan [Member]
Delinquent loans and fees receivable, gross	13,700	12,900
Current loans, interest and fees receivable, gross	76,100	75,200
Loans, interest and fees receivable, gross	89,800	88,100
Balance of loans greater than 90-days delinquent still accruing interest and fees	1,900	1,500
Automobile Loan [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Delinquent loans and fees receivable, gross	8,100	7,900
Automobile Loan [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Delinquent loans and fees receivable, gross	3,000	2,800
Automobile Loan [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Delinquent loans and fees receivable, gross	2,600	2,200
Other Unsecured Lending Products [Member]
Delinquent loans and fees receivable, gross	52,700	35,800
Current loans, interest and fees receivable, gross	346,500	228,800
Loans, interest and fees receivable, gross	399,200	264,600
Balance of loans greater than 90-days delinquent still accruing interest and fees
Other Unsecured Lending Products [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Delinquent loans and fees receivable, gross	14,000	9,700
Other Unsecured Lending Products [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Delinquent loans and fees receivable, gross	11,500	7,600
Other Unsecured Lending Products [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Delinquent loans and fees receivable, gross	$ 27,200	$ 18,500

Note 2 - Significant Accounti_6

Note 2 - Significant Accounting Policies and Consolidated Financial Statement Components - Summary of Troubled Debt Restructurings (Details) $ in Thousands		12 Months Ended
		Dec. 31, 2019USD ($)	Dec. 31, 2018USD ($)
Amount of TDRs on non-accrual status (in thousands)		$ 43,300	$ 33,200
Point-of-Sale [Member]
Number of TDRs		10,682	6,095
Amount of TDRs on non-accrual status (in thousands)		$ 14,468	$ 4,885
Carrying value of TDRs (in thousands)		$ 8,864	$ 3,333
Number of accounts		2,835	6,903
Loan balance at time of charge off (in thousands)		$ 4,397	$ 9,634
Point-of-Sale [Member] | Performing Financial Instruments [Member]
Carrying value of TDRs (in thousands)	[1]	6,754	2,525
Point-of-Sale [Member] | Nonperforming Financial Instruments [Member]
Carrying value of TDRs (in thousands)	[1]	$ 2,110	$ 808
Point-of-Sale [Member] | Extended Maturity [Member]
Number of TDRs		2,788	2,759
Amount of TDRs on non-accrual status (in thousands)		$ 5,118	$ 3,782
Direct-to-Consumer [Member]
Number of TDRs		14,553	3,584
Amount of TDRs on non-accrual status (in thousands)		$ 13,037	$ 1,942
Carrying value of TDRs (in thousands)		$ 7,312	$ 1,363
Number of accounts		3,339	5,415
Loan balance at time of charge off (in thousands)		$ 3,545	$ 4,963
Direct-to-Consumer [Member] | Performing Financial Instruments [Member]
Carrying value of TDRs (in thousands)	[1]	6,106	1,191
Direct-to-Consumer [Member] | Nonperforming Financial Instruments [Member]
Carrying value of TDRs (in thousands)	[1]	$ 1,206	$ 172
Direct-to-Consumer [Member] | Extended Maturity [Member]
Number of TDRs		2,854	1,111
Amount of TDRs on non-accrual status (in thousands)		$ 3,104	$ 955
[1]	"TDRs - Performing" include accounts that are current on all amounts owed, while "TDRs - Nonperforming" include all accounts with past due amounts owed.

Note 2 - Significant Accounti_7

Note 2 - Significant Accounting Policies and Consolidated Financial Statement Components - Summary of Fees and Related Income on Earning Assets (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Fees on credit products	$ 68,639	$ 25,694
Changes in fair value of loans, interest and fees receivable recorded at fair value	1,251	606
Changes in fair value of notes payable associated with structured financings recorded at fair value	1,731	3,589
Other	(474)	103
Total fees and related income on earning assets	$ 71,147	$ 29,992

Note 2 - Significant Accounti_8

Note 2 - Significant Accounting Policies and Consolidated Financial Statement Components - Components of Revenue from Contracts with Customers (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2019	Dec. 31, 2018
Revenue from contracts with customers		$ 13,754	$ 5,556
Credit and Debit Card [Member]
Revenue from contracts with customers	[1]	8,495	2,881
Servicing Income [Member]
Revenue from contracts with customers		1,786	1,969
Service Charges and Other Customer Related Fees [Member]
Revenue from contracts with customers		3,473	706
Credit and Other Investments [Member]
Revenue from contracts with customers		12,759	4,465
Credit and Other Investments [Member] | Credit and Debit Card [Member]
Revenue from contracts with customers	[1]	8,495	2,881
Credit and Other Investments [Member] | Servicing Income [Member]
Revenue from contracts with customers		857	947
Credit and Other Investments [Member] | Service Charges and Other Customer Related Fees [Member]
Revenue from contracts with customers		3,407	637
Auto Finance [Member]
Revenue from contracts with customers		995	1,091
Auto Finance [Member] | Credit and Debit Card [Member]
Revenue from contracts with customers	[1]
Auto Finance [Member] | Servicing Income [Member]
Revenue from contracts with customers		929	1,022
Auto Finance [Member] | Service Charges and Other Customer Related Fees [Member]
Revenue from contracts with customers		$ 66	$ 69
[1]	Interchange revenue is presented net of customer reward expense.

Note 3 - Segment Reporting (Det

Note 3 - Segment Reporting (Details Textual) $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)	Dec. 31, 2018USD ($)
Number of Reportable Segments	2
Assets, Total	$ 936,266	$ 582,608
Non-US [Member]
Assets, Total	$ 0	$ 0

Note 3 - Segment Reporting - Su

Note 3 - Segment Reporting - Summary of Operating Segment Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Consumer loans, including past due fees	$ 260,832	$ 160,968
Other	386	200
Total interest income	261,218	161,168
Interest expense	(50,730)	(36,896)
Net interest income before fees and related income on earning assets and provision for losses on loans, interest and fees receivable	210,488	124,272
Fees and related income on earning assets	71,147	29,992
Revenue from contracts with customers	13,754	5,556
Gain on repurchase of convertible senior notes	5,127
Equity in income of equity-method investee	1,001	581
Income before income taxes	31,763	3,482
Income tax benefit (expense)	(5,553)	4,130
Assets, Total	936,266	582,608
Servicing Income [Member]
Revenue from contracts with customers	1,786	1,969
Credit and Other Investments [Member]
Consumer loans, including past due fees	229,388	131,096
Other	386	200
Total interest income	229,774	131,296
Interest expense	(49,065)	(35,564)
Net interest income before fees and related income on earning assets and provision for losses on loans, interest and fees receivable	180,709	95,732
Fees and related income on earning assets	70,984	29,912
Revenue from contracts with customers	12,759	4,465
Gain on repurchase of convertible senior notes	5,127
Equity in income of equity-method investee	1,001	581
Income before income taxes	25,005	(6,767)
Income tax benefit (expense)	(3,830)	6,345
Assets, Total	856,354	507,232
Credit and Other Investments [Member] | Servicing Income [Member]
Revenue from contracts with customers	857	947
Auto Finance [Member]
Consumer loans, including past due fees	31,444	29,872
Other
Total interest income	31,444	29,872
Interest expense	(1,665)	(1,332)
Net interest income before fees and related income on earning assets and provision for losses on loans, interest and fees receivable	29,779	28,540
Fees and related income on earning assets	163	80
Revenue from contracts with customers	995	1,091
Gain on repurchase of convertible senior notes
Equity in income of equity-method investee
Income before income taxes	6,758	10,249
Income tax benefit (expense)	(1,723)	(2,215)
Assets, Total	79,912	75,376
Auto Finance [Member] | Servicing Income [Member]
Revenue from contracts with customers	$ 929	$ 1,022

Note 4 - Shareholders' Equity_2

Note 4 - Shareholders' Equity and Preferred Stock (Details Textual) - USD ($)	Dec. 27, 2019	Dec. 31, 2019	Dec. 31, 2018	Nov. 14, 2019	Nov. 26, 2014
Stock Repurchased and Retired During Period, Shares		357,461	281,787
Stock Repurchased and Retired During Period, Value		$ 2,517,000	$ 723,000
Own-share Lending Arrangement, Shares, Outstanding		1,459,233	1,459,233
Class B Preferred Units [Member]
Preferred Units, Issued				50,500,000
Preferred Unit Purchase Price				$ 1
Preferred Units Issued, Percentage of Preferred Return				16.00%
Preferred Units Issued, Maximum Percentage Points of Preferred Return in Form of Issuance of Additional Units or Cash				6.00%
Preferred Units, Authorized				50,500,000
Series A Preferred Stock [Member]
Temporary Equity, Shares Issued	400,000	400,000	0
Temporary Equity, Shares Authorized	10,000,000	10,000,000	0
Temporary Equity, Shares Outstanding	400,000	400,000	0
Temporary Equity, Liquidation Preference	$ 40,000,000
Preferred Stock, Dividend Rate, Percentage	6.00%
Temporary Equity, Redemption Price Per Share	$ 100
Temporary Equity, Conversion Price Per Share	$ 10
Dove Ventures, LLC [Member] | Senior Secured Term Loan Facility [Member]
Line of Credit Facility, Maximum Borrowing Capacity					$ 40,000,000
Extinguishment of Debt, Amount	$ 40,000,000

Note 5 - Investment in Equity_3

Note 5 - Investment in Equity-method Investee (Details Textual)	Dec. 31, 2019
Equity Method Investment to Acquire Portfolio of Credit Card Receivables [Member]
Equity Method Investment, Ownership Percentage	66.70%

Note 5 - Investment in Equity_4

Note 5 - Investment in Equity-method Investee - Summary of Equity-method Investee (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Loans, interest and fees receivables, at fair value	$ 2,757	$ 3,546
Total assets	2,922	3,732
Total liabilities	13	18
Members’ capital	2,909	3,714
Net interest income (loss), fees and related income on earning assets	1,505	875
Net income	1,318	613
Net income attributable to investee	$ 1,001	$ 581

Note 6 - Fair Values of Asset_3

Note 6 - Fair Values of Assets and Liabilities (Details Textual)	Dec. 31, 2019
The 5.875% Convertible Senior Notes Due 2035 [Member]
Debt Instrument, Interest Rate, Stated Percentage	5.875%

Note 6 - Fair Values of Asset_4

Note 6 - Fair Values of Assets and Liabilities - Summary of Fair Value Hierarchy for Assets (Details) - USD ($) $ in Thousands		Dec. 31, 2019	Dec. 31, 2018
Loans, interest and fees receivable, at fair value		$ 4,386	$ 6,306
Fair Value, Recurring [Member]
Loans, interest and fees receivable, net for which it is practicable to estimate fair value	[1]	721,573	418,236
Loans, interest and fees receivable, at fair value	[1]	4,386	6,306
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]
Loans, interest and fees receivable, net for which it is practicable to estimate fair value	[1]
Loans, interest and fees receivable, at fair value	[1]
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Loans, interest and fees receivable, net for which it is practicable to estimate fair value	[1]
Loans, interest and fees receivable, at fair value	[1]
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]
Loans, interest and fees receivable, net for which it is practicable to estimate fair value	[1]	781,208	470,496
Loans, interest and fees receivable, at fair value	[1]	$ 4,386	$ 6,306
[1]	For cash, deposits and investments in equity securities, the carrying amount is a reasonable estimate of fair value.

Note 6 - Fair Values of Asset_5

Note 6 - Fair Values of Assets and Liabilities - Reconciliation of Level 3 Assets (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Balance	$ 6,306	$ 11,109
Net revaluations of loans, interest and fees receivable, at fair value	1,251	606
Settlements	(3,171)	(5,395)
Impact of foreign currency translation		(14)
Balance	$ 4,386	$ 6,306

Note 6 - Fair Values of Asset_6

Note 6 - Fair Values of Assets and Liabilities - Quantitative Information about Level 3 Assets and Liabilities Fair Value Measurements (Details) $ in Thousands	Dec. 31, 2019USD ($)	Dec. 31, 2018USD ($)
Loans, interest and fees receivable, at fair value	$ 4,386	$ 6,306
Notes Payable Associated with Structured Financings, Fair Value	3,920	5,651
Valuation Technique, Discounted Cash Flow [Member]
Notes Payable Associated with Structured Financings, Fair Value	3,920	5,651
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Gross Yield [Member]
Loans, interest and fees receivable, at fair value	$ 4,386	$ 6,306
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Gross Yield [Member] | Minimum [Member]
Loans and fees receivable, measurement input	0.275	0.258
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Gross Yield [Member] | Maximum [Member]
Loans and fees receivable, measurement input	0.594	0.308
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Gross Yield [Member] | Weighted Average [Member]
Loans and fees receivable, measurement input	0.31	0.264
Notes payable associated with structured financings, measurement input	0.275	0.258
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Constant Prepayment Rate [Member] | Minimum [Member]
Loans and fees receivable, measurement input	0.022	0.022
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Constant Prepayment Rate [Member] | Maximum [Member]
Loans and fees receivable, measurement input	0.055	0.03
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Constant Prepayment Rate [Member] | Weighted Average [Member]
Loans and fees receivable, measurement input	0.026	0.023
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Default Rate [Member] | Minimum [Member]
Loans and fees receivable, measurement input	0.105	0.087
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Default Rate [Member] | Maximum [Member]
Loans and fees receivable, measurement input	0.394	0.113
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Default Rate [Member] | Weighted Average [Member]
Loans and fees receivable, measurement input	0.137	0.09
Notes payable associated with structured financings, measurement input	0.105	0.087
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Prepayment Rate [Member] | Weighted Average [Member]
Notes payable associated with structured financings, measurement input	0.022	0.022
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Servicing Rate [Member] | Minimum [Member]
Loans and fees receivable, measurement input	0.113	0.149
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Servicing Rate [Member] | Maximum [Member]
Loans and fees receivable, measurement input	0.169	0.195
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Servicing Rate [Member] | Weighted Average [Member]
Loans and fees receivable, measurement input	0.119	0.155
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Discount Rate [Member] | Minimum [Member]
Loans and fees receivable, measurement input	0.143	0.149
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Discount Rate [Member] | Maximum [Member]
Loans and fees receivable, measurement input	0.143	0.149
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Discount Rate [Member] | Weighted Average [Member]
Loans and fees receivable, measurement input	0.143	0.149
Notes payable associated with structured financings, measurement input	0.143	0.149

Note 6 - Fair Values of Asset_7

Note 6 - Fair Values of Assets and Liabilities - Summary of Fair Value Hierarchy for Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Revolving credit facilities	$ 720,687	$ 389,707
Amortizing debt facilities	28,522	1,220
Notes payable to related parties		40,000
Convertible senior notes	24,091	62,142
Notes Payable Associated with Structured Financings, Fair Value	3,920	5,651
Fair Value, Inputs, Level 1 [Member]
Revolving credit facilities
Amortizing debt facilities
Notes payable to related parties
Convertible senior notes
Notes Payable Associated with Structured Financings, Fair Value
Fair Value, Inputs, Level 2 [Member]
Revolving credit facilities
Amortizing debt facilities
Notes payable to related parties
Convertible senior notes	16,920	47,230
Notes Payable Associated with Structured Financings, Fair Value
Fair Value, Inputs, Level 3 [Member]
Revolving credit facilities	720,687	389,707
Amortizing debt facilities	28,522	1,220
Notes payable to related parties		40,000
Convertible senior notes
Notes Payable Associated with Structured Financings, Fair Value	$ 3,920	$ 5,651

Note 6 - Fair Values of Asset_8

Note 6 - Fair Values of Assets and Liabilities - Reconciliation of Level 3 Liabilities (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Balance	$ 5,651	$ 9,240
Net revaluations of notes payable associated with structured financings, at fair value	(1,731)	(3,589)
Repayments on outstanding notes payable, net
Balance	$ 3,920	$ 5,651

Note 6 - Fair Values of Asset_9

Note 6 - Fair Values of Assets and Liabilities - Summary of Other Relevant Data (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Loans, interest and fees receivable, at fair value	$ 4,386	$ 6,306
Loans and Fees Receivable at Fair Value [Member]
Aggregate unpaid principal balance within loans, interest and fees receivable that are reported at fair value	644	1,160
Loans, interest and fees receivable, at fair value	466	655
Aggregate fair value of receivables carried at fair value that are 90 days or more past due (which also coincides with finance charge and fee non-accrual policies)	1	3
Unpaid principal balance of receivables within loans, interest and fees receivable that are reported at fair value and are 90 days or more past due (which also coincides with finance charge and fee non-accrual policies) over the fair value of such loans, interest and fees receivable	28	35
Structured Financing Notes Payable [Member]
Aggregate unpaid principal balance within loans, interest and fees receivable that are reported at fair value	101,314	101,314
Aggregate fair value of notes payable	3,920	5,651
Loans and Fees Receivable Pledged as Collateral, Fair Value [Member]
Aggregate unpaid principal balance within loans, interest and fees receivable that are reported at fair value	5,280	7,708
Loans, interest and fees receivable, at fair value	3,920	5,651
Aggregate fair value of receivables carried at fair value that are 90 days or more past due (which also coincides with finance charge and fee non-accrual policies)	8	7
Unpaid principal balance of receivables within loans, interest and fees receivable that are reported at fair value and are 90 days or more past due (which also coincides with finance charge and fee non-accrual policies) over the fair value of such loans, interest and fees receivable	$ 185	$ 224

Note 7 - Property (Details Text

Note 7 - Property (Details Textual) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Depreciation, Total	$ 1.1	$ 1

Note 7 - Property - Schedule of

Note 7 - Property - Schedule of Property (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Property, plant and equipment	$ 29,375	$ 29,125
Less accumulated depreciation	(26,637)	(25,500)
Property, net	2,738	3,625
Software and Software Development Costs [Member]
Property, plant and equipment	3,543	3,467
Furniture and Fixtures [Member]
Property, plant and equipment	6,431	6,307
Data Processing and Telephone Equipment [Member]
Property, plant and equipment	7,675	7,625
Leasehold Improvements [Member]
Property, plant and equipment	10,570	10,570
Other Capitalized Property Plant and Equipment [Member]
Property, plant and equipment	$ 1,156	$ 1,156

Note 8 - Leases (Details Textua

Note 8 - Leases (Details Textual) $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)ft²	Dec. 31, 2018USD ($)
Operating Leases, Rent Expense, Net, Total	$ 1,700	$ 1,700
Operating Leases, Rent Expense, Sublease Rentals	$ 5,100	$ 5,100
Lessee, Operating Lease, Term of Contract	15 years
Area Under Operating Lease, Gross | ft²	335,372
Area Under Operating Lease, Net | ft²	254,710
Tenant Improvements	$ 21,200
Capital Lease Obligations, Total	$ 0

Note 8 - Leases - Lease Cost (D

Note 8 - Leases - Lease Cost (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Cash paid under operating leases, gross	$ 10,080
Accounting Standards Update 2016-02 [Member]
Operating lease cost, gross	6,875	6,758
Sublease income	(5,133)	(5,080)
Net Operating lease cost	1,742	1,678
Cash paid under operating leases, gross	$ 10,080	$ 9,913
Weighted average remaining lease term - months (Month)	2 years 150 days
Weighted average discount rate	6.90%

Note 8 - Leases - Maturities of

Note 8 - Leases - Maturities of Lease Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
2020, gross	$ 10,213
2020, payments received from sublease	(7,115)
2020, net lease payment	3,098
2021, gross	10,221
2021, payments received from sublease	(7,315)
2021, net lease payment	2,906
2022, gross	4,407
2022, payments received from sublease	(3,112)
2022, net lease payment	1,295
2023, gross	126
2023, payments received from sublease
2023, net lease payment	126
2024, gross	30
2024, payments received from sublease
2024, net lease payment	30
Thereafter, gross
Thereafter, payments received from sublease
Thereafter, net lease payment
Gross	24,997
Sublease income, payments received from sublease	(17,542)
Lease payments, net lease payment	7,455
Less imputed interest, gross	(2,738)
Less imputed interest, payments received from sublease
Less imputed interest, net
Operating Lease, Liability, Total	22,259
Total, payments received from sublease
Total, net

Note 9 - Notes Payable and Va_3

Note 9 - Notes Payable and Variable Interest Entities (Details Textual) - USD ($)	Dec. 27, 2019	Nov. 30, 2019	Jun. 30, 2019	Nov. 30, 2018	Sep. 30, 2018	Dec. 31, 2017	Dec. 31, 2016	Oct. 31, 2016	Dec. 31, 2019	Dec. 31, 2019	Dec. 31, 2018	Sep. 30, 2019	Aug. 26, 2019	Feb. 28, 2017	Oct. 31, 2015	Nov. 26, 2014	Nov. 30, 2005
Credit Card Receivables and Restricted Cash Carrying Amount as Security for Notes Payable									$ 3,900,000	$ 3,900,000
Notes Payable Associated with Structured Financings, Fair Value									3,920,000	3,920,000	$ 5,651,000
Aggregate Exposure to Pretax Equity Loss, Structured Financing at Fair Value									0	0
Long-term Line of Credit, Total									720,687,000	720,687,000	389,707,000
Proceeds from Issuance of Long-term Debt, Total		$ 200,000,000	$ 200,000,000	$ 167,300,000						873,340,000	632,043,000
Asset Backed Securities, Term of Revolving Structure		3 years	2 years	2 years
Asset Backed Securities, Term of Revolving Structure, Subsequent Amortization Period				1 year 180 days
Asset Backed Securities, Weighted Average Interest Rate		4.91%	5.37%	5.76%
Convertible Debt [Member] | Five Point Eight Seven Five Percent Convertible Senior Notes Due Two Thousand Thirty Five [Member]
Debt Instrument, Interest Rate, Stated Percentage																	5.875%
Debt Instrument, Face Amount									$ 33,839,000	$ 33,839,000	$ 88,280,000		$ 54,400,000				$ 300,000,000
Debt Instrument, Repurchase Amount													$ 16,300,000
Term Note [Member]
Debt Instrument, Interest Rate, Stated Percentage													8.00%
Long-term Debt, Total													$ 17,400,000
Minimum [Member]
Asset Backed Securities, Term of Revolving Structure, Subsequent Amortization Period		1 year	1 year
Maximum [Member]
Asset Backed Securities, Term of Revolving Structure, Subsequent Amortization Period		1 year 180 days	1 year 180 days
Debt Satisfied By Issuance of Series A Preferred Stock [Member]
Debt Conversion, Original Debt, Amount	$ 40,000,000
Series A Preferred Stock [Member]
Temporary Equity, Shares Issued	400,000								400,000	400,000	0
Temporary Equity, Liquidation Preference	$ 40,000,000
Revolving Credit Facility [Member]
Line of Credit Facility, Maximum Borrowing Capacity															$ 50,000,000
Long-term Line of Credit, Total									$ 40,500,000	$ 40,500,000
Revolving Credit Facility [Member] | Term Note [Member]
Line of Credit Facility, Maximum Borrowing Capacity												$ 30,000,000
Long-term Line of Credit, Total									10,000,000	10,000,000
Secured by the Financial and Operating Assets of CAR [Member]
Line of Credit Facility, Maximum Borrowing Capacity								$ 40,000,000	55,000,000	55,000,000
Long-term Line of Credit, Total									39,100,000	$ 39,100,000
Line of Credit Facility, Expiration Date										Nov. 1, 2021
December 2016 Revolving Credit Facility [Member]
Line of Credit Facility, Maximum Borrowing Capacity							$ 20,000,000
Long-term Line of Credit, Total									19,400,000	$ 19,400,000
Trust Funding Notes Facility [Member]
Line of Credit Facility, Maximum Borrowing Capacity									70,000,000	70,000,000				$ 90,000,000
Long-term Line of Credit, Total									25,800,000	25,800,000
Trust Funding Notes Facility [Member] | Maximum [Member]
Debt Instrument, Interest Rate, Stated Percentage														14.00%
December 2017 Revolving Credit Facility [Member]
Line of Credit Facility, Maximum Borrowing Capacity						$ 15,000,000
Long-term Line of Credit, Total									8,600,000	8,600,000
Additional Trust Funding Notes Facilities [Member]
Line of Credit Facility, Maximum Borrowing Capacity											$ 200,000,000
Long-term Line of Credit, Total									0	0
September 2018 Revolving Credit Facility [Member]
Line of Credit Facility, Maximum Borrowing Capacity					$ 50,000,000
Long-term Line of Credit, Total									15,000,000	15,000,000
June 2019 Revolving Credit Facility [Member]
Line of Credit Facility, Maximum Borrowing Capacity			$ 15,000,000
Long-term Line of Credit, Total									$ 14,600,000	$ 14,600,000
Additional Trust Funding Notes Facility One [Member]
Line of Credit Facility, Expiration Date										Jun. 11, 2021
Additional Trust Funding Notes Facility Two [Member]
Line of Credit Facility, Expiration Date										Nov. 16, 2020
Dove Ventures, LLC [Member] | Senior Secured Term Loan Facility [Member]
Line of Credit Facility, Maximum Borrowing Capacity																$ 40,000,000
London Interbank Offered Rate (LIBOR) [Member]
Debt Instrument, Variable Rate									1.75%	1.75%
London Interbank Offered Rate (LIBOR) [Member] | Revolving Credit Facility [Member]
Debt Instrument, Basis Spread on Variable Rate										3.00%
London Interbank Offered Rate (LIBOR) [Member] | Revolving Credit Facility [Member] | Term Note [Member]
Debt Instrument, Basis Spread on Variable Rate									4.50%
London Interbank Offered Rate (LIBOR) [Member] | Secured by the Financial and Operating Assets of CAR [Member] | Minimum [Member]
Debt Instrument, Basis Spread on Variable Rate								2.40%
London Interbank Offered Rate (LIBOR) [Member] | Secured by the Financial and Operating Assets of CAR [Member] | Maximum [Member]
Debt Instrument, Basis Spread on Variable Rate								3.00%
London Interbank Offered Rate (LIBOR) [Member] | December 2016 Revolving Credit Facility [Member]
Debt Instrument, Basis Spread on Variable Rate							5.00%
London Interbank Offered Rate (LIBOR) [Member] | December 2017 Revolving Credit Facility [Member]
Debt Instrument, Basis Spread on Variable Rate						3.50%
London Interbank Offered Rate (LIBOR) [Member] | Additional Trust Funding Notes Facilities [Member]
Debt Instrument, Basis Spread on Variable Rate										4.875%
London Interbank Offered Rate (LIBOR) [Member] | September 2018 Revolving Credit Facility [Member]
Debt Instrument, Basis Spread on Variable Rate					6.50%
Prime Rate [Member]
Debt Instrument, Variable Rate									4.75%	4.75%
Commercial Paper Rates [Member] | Additional Trust Funding Notes Facilities [Member]
Debt Instrument, Basis Spread on Variable Rate										3.75%

Note 9 - Notes Payable and Va_4

Note 9 - Notes Payable and Variable Interest Entities - Summary of Variable Interest Entities (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Unrestricted cash and cash equivalents	$ 135,379	$ 60,968
Restricted cash and cash equivalents	41,015	80,786
Loans, interest and fees receivable, at fair value	4,386	6,306
Loans, interest and fees receivable, gross	998,209	541,344
Allowances for uncollectible loans, interest and fees receivable	(186,329)	(79,211)
Deferred revenue	(90,307)	(43,897)
Total Assets held by VIEs	936,266	582,608
Notes Payable, at face value held by VIEs	749,209	390,927
Notes Payable, at fair value held by VIEs	3,920	5,651
Maximum exposure to loss due to involvement with VIEs	654,300	438,500
Variable Interest Entity, Primary Beneficiary [Member]
Unrestricted cash and cash equivalents	78,700	16,800
Restricted cash and cash equivalents	25,900	61,000
Loans, interest and fees receivable, at fair value	3,900	5,700
Loans, interest and fees receivable, gross	857,200	403,400
Allowances for uncollectible loans, interest and fees receivable	(168,800)	(57,400)
Deferred revenue	(40,700)	(13,200)
Total Assets held by VIEs	756,200	416,300
Notes Payable, at face value held by VIEs	701,100	366,700
Notes Payable, at fair value held by VIEs	$ 3,900	$ 5,700

Note 9 - Notes Payable and Va_5

Note 9 - Notes Payable and Variable Interest Entities - Schedule of Structured Financing Notes Payable (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Securitization facility (stated maturity of December 2021), outstanding face amount of $101.3 million as of December 31, 2019 ($101.3 million as of December 31, 2018) bearing interest at a weighted average 6.9% interest rate, based upon LIBOR, at December 31, 2019 (7.5% at December 31, 2018), which is secured by credit card receivables and restricted cash aggregating $3.9 million as of December 31, 2019 ($5.7 million as of December 31, 2018) in carrying amount	$ 3,920	$ 5,651
Securitization Financing Facility [Member]
Securitization facility (stated maturity of December 2021), outstanding face amount of $101.3 million as of December 31, 2019 ($101.3 million as of December 31, 2018) bearing interest at a weighted average 6.9% interest rate, based upon LIBOR, at December 31, 2019 (7.5% at December 31, 2018), which is secured by credit card receivables and restricted cash aggregating $3.9 million as of December 31, 2019 ($5.7 million as of December 31, 2018) in carrying amount	$ 3,900	$ 5,700

Note 9 - Notes Payable and Va_6

Note 9 - Notes Payable and Variable Interest Entities - Schedule of Structured Financing Notes Payable (Details) (Parentheticals) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Amortizing securitization facility, amount secured by credit card receivables and restricted cash	$ 3,900
Securitization Financing Facility [Member]
Amortizing securitization facility, maturity date	Dec. 31, 2021	Dec. 31, 2021
Amortizing securitization facility, outstanding face amount	$ 101,300	$ 101,300
Amortizing securitization facility, amount secured by credit card receivables and restricted cash	$ 3,900	$ 5,700
Securitization Financing Facility [Member] | London Interbank Offered Rate (LIBOR) [Member]
Amortizing securitization facility, weighted average interest rate	6.90%	7.50%

Note 9 - Notes Payable and Va_7

Note 9 - Notes Payable and Variable Interest Entities - Schedule of Notes Payable at Face Value and Notes Payable to Related Parties (Details) - USD ($) $ in Thousands		Dec. 31, 2019		Dec. 31, 2018
Revolving credit facilities		$ 720,687		$ 389,707
Amortizing debt facilities		28,522		1,220
Notes payable to related parties				40,000
Total notes payable before unamortized debt issuance costs and discounts		758,900	[1]	437,900
Unamortized debt issuance costs and discounts		(9,700)	[1]	(7,000)
Total notes payable outstanding		749,200	[1]	430,900
Other Secured Debt [Member]
Amortizing debt facilities		1,200	[1]	1,200
Phoenix [Member]
Unsecured term debt (expiring August 26, 2024) with an annual rate equal to 8.0% (3)	[2]	17,400	[1]
Amortizing Debt Facility Two [Member]
Amortizing debt facilities	[2],[3],[4],[5]	10,000
Senior Secured Term Loan Facility [Member]
Notes payable to related parties	[2]		[1]	40,000
Revolving Credit Facility Expiring November 1, 2020 [Member]
Revolving credit facilities	[2],[5],[6]	39,100	[1]	30,000
Revolving Credit Facility Expiring October 30, 2022 [Member]
Revolving credit facilities	[2],[3],[4],[5]	40,500	[1]	49,900
Revolving Credit Facility Expiring March 31, 2020 [Member]
Revolving credit facilities	[3],[4],[5]	19,400	[1]
Revolving Credit Facility Expiring February 8, 2022 [Member]
Revolving credit facilities	[2],[3],[4],[7]	25,800	[1]	61,000
Revolving Credit Facility Expiring June 11, 2021 [Member]
Revolving credit facilities	[2],[3],[4],[7]		[1]	80,500
Revolving Credit Facility Expiring July 15 2021 [Member]
Revolving credit facilities	[3],[4],[5]	14,600	[1]
Revolving Credit Facility Expiring November 16, 2020 [Member]
Revolving credit facilities	[2],[3],[4],[7]			8,000
Revolving Credit Facility Expiring November 15, 2023 [Member]
Revolving credit facilities	[2],[3],[4],[7]	167,300	[1]	167,300
Revolving Credit Facility Expiring December 15, 2022 [Member]
Revolving credit facilities	[2],[3],[4],[7]	200,000	[1]
Revolving Credit Facility Expiring May 15, 2024 [Member]
Revolving credit facilities	[2],[3],[4],[7]	200,000	[1]
Revolving Credit Facility Expiring December 21, 2020 [Member]
Revolving credit facilities	[2],[3],[4],[5]	8,600	[1]
Revolving Credit Facility Expiring September 19, 2021 [Member]
Revolving credit facilities		$ 15,000	[1],[2],[3],[4],[5]
[1]	As of December 31, 2019, the LIBOR rate was 1.75% and the prime rate was 4.75%.
[2]	See below for additional information.
[3]	Loans are associated with variable interest entities.
[4]	Loans are subject to certain affirmative covenants tied to default rates and other performance metrics the failure of which could result in required early repayment of the remaining unamortized balances of the notes.
[5]	These notes reflect modifications to either extend the maturity date, increase the loan amount or both, and are treated as accounting modifications.
[6]	Loan is subject to certain affirmative covenants, including a coverage ratio, a leverage ratio and a collateral performance test, the failure of which could result in required early repayment of all or a portion of the outstanding balance by our CAR Auto Finance operations.
[7]	Creditors do not have recourse against the general assets of the Company but only to the collateral within the VIEs.

Note 9 - Notes Payable and Va_8

Note 9 - Notes Payable and Variable Interest Entities - Schedule of Notes Payable at Face Value and Notes Payable to Related Parties (Details) (Parentheticals) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2019		Dec. 31, 2018	Oct. 31, 2015
Other Secured Debt [Member]
Amortizing securitization facility, maturity date		Sep. 8, 2023	[1]	Sep. 8, 2023
Loan, interest rate		5.50%	[1]	5.50%
Phoenix [Member]
Amortizing securitization facility, maturity date	[2]	Aug. 26, 2024	[1]	Aug. 26, 2024
Loan, interest rate	[2]	8.00%	[1]	8.00%
Amortizing Debt Facility Two [Member]
Amortizing securitization facility, maturity date	[2],[3],[4],[5]	Sep. 30, 2021	[1]	Sep. 30, 2021
Loan, interest rate	[2],[3],[4],[5]	6.20%	[1]	6.20%
Senior Secured Term Loan Facility [Member]
Amortizing securitization facility, maturity date	[2]	Nov. 21, 2019	[1]	Nov. 21, 2019
Loan, interest rate	[2]	9.00%	[1]	9.00%
Revolving Credit Facility Expiring November 1, 2020 [Member]
Revolving credit facility, maximum borrowing capacity	[2],[5],[6]	$ 55,000	[1]	$ 55,000
Revolving credit facility, expiration date	[2],[5],[6]	Nov. 1, 2021	[1]	Nov. 1, 2021
Revolving Credit Facility Expiring October 30, 2022 [Member]
Revolving credit facility, maximum borrowing capacity	[2],[3],[4],[5]	$ 50,000	[1]	$ 50,000
Revolving credit facility, expiration date	[2],[3],[4],[5]	Oct. 30, 2022	[1]	Oct. 30, 2022
Revolving Credit Facility Expiring March 31, 2020 [Member]
Revolving credit facility, maximum borrowing capacity	[3],[4],[5]	$ 20,000	[1]	$ 20,000
Revolving credit facility, expiration date		Mar. 31, 2020	[1],[3],[4],[5]	Mar. 31, 2020
Revolving Credit Facility Expiring February 8, 2022 [Member]
Revolving credit facility, maximum borrowing capacity	[2],[3],[4],[7]	$ 70,000	[1]	$ 70,000
Revolving credit facility, expiration date	[2],[3],[4],[7]	Feb. 8, 2022	[1]	Feb. 8, 2022
Revolving Credit Facility Expiring June 11, 2021 [Member]
Revolving credit facility, maximum borrowing capacity	[2],[3],[4],[7]	$ 100,000	[1]	$ 100,000
Revolving credit facility, expiration date	[2],[3],[4],[7]	Jun. 11, 2021	[1]	Jun. 11, 2021
Revolving Credit Facility Expiring July 15 2021 [Member]
Revolving credit facility, maximum borrowing capacity	[3],[4],[5]	$ 15,000	[1]	$ 15,000
Revolving credit facility, expiration date	[3],[4],[5]	Jul. 15, 2021	[1]	Jul. 15, 2021
Revolving Credit Facility Expiring November 16, 2020 [Member]
Revolving credit facility, maximum borrowing capacity	[2],[3],[4],[7]	$ 100,000		$ 100,000
Revolving credit facility, expiration date	[2],[3],[4],[7]	Nov. 16, 2020		Nov. 16, 2020
Revolving Credit Facility Expiring November 15, 2023 [Member]
Revolving credit facility, maximum borrowing capacity	[2],[3],[4],[7]	$ 167,300	[1]	$ 167,300
Revolving credit facility, expiration date	[2],[3],[4],[7]	Nov. 15, 2023	[1]	Nov. 15, 2023
Revolving Credit Facility Expiring December 15, 2022 [Member]
Revolving credit facility, maximum borrowing capacity	[2],[3],[4],[7]	$ 200,000	[1]	$ 200,000
Revolving credit facility, expiration date	[2],[3],[4],[7]	Dec. 15, 2022	[1]	Dec. 15, 2022
Revolving Credit Facility Expiring May 15, 2024 [Member]
Revolving credit facility, maximum borrowing capacity	[2],[3],[4],[7]	$ 152,024,000	[1]	$ 152,024,000
Revolving Credit Facility Expiring December 21, 2020 [Member]
Revolving credit facility, maximum borrowing capacity	[2],[3],[4],[5]	$ 15,000	[1]	$ 15,000
Revolving credit facility, expiration date	[2],[3],[4],[5]	Dec. 21, 2020	[1]	Dec. 21, 2020
Revolving Credit Facility Expiring September 19, 2021 [Member]
Revolving credit facility, maximum borrowing capacity		$ 50,000	[1]	$ 50,000
Revolving credit facility, expiration date		Sep. 19, 2021	[1],[2],[3],[4],[5]	Sep. 19, 2021
Revolving Credit Facility [Member]
Revolving credit facility, maximum borrowing capacity					$ 50,000
Amortizing securitization facility, weighted average interest rate		6.00%	[1]	7.60%
Amount of securing assets		$ 740,400	[1]	$ 468,800
[1]	As of December 31, 2019, the LIBOR rate was 1.75% and the prime rate was 4.75%.
[2]	See below for additional information.
[3]	Loans are associated with variable interest entities.
[4]	Loans are subject to certain affirmative covenants tied to default rates and other performance metrics the failure of which could result in required early repayment of the remaining unamortized balances of the notes.
[5]	These notes reflect modifications to either extend the maturity date, increase the loan amount or both, and are treated as accounting modifications.
[6]	Loan is subject to certain affirmative covenants, including a coverage ratio, a leverage ratio and a collateral performance test, the failure of which could result in required early repayment of all or a portion of the outstanding balance by our CAR Auto Finance operations.
[7]	Creditors do not have recourse against the general assets of the Company but only to the collateral within the VIEs.

Note 10 - Convertible Senior _3

Note 10 - Convertible Senior Notes (Details Textual)	Aug. 26, 2019USD ($)	Nov. 30, 2005USD ($)shares	Dec. 31, 2019USD ($)$ / sharesshares	Dec. 31, 2018USD ($)shares
Gain (Loss) on Repurchase of Debt Instrument			$ 5,127,000
Own-share Lending Arrangement, Shares, Outstanding | shares			1,459,233	1,459,233
Amortization of Debt Discount (Premium)			$ 818,000	$ 890,000
Bear Sterns International Limited [Member]
Own-share Lending Arrangement, Shares, Outstanding | shares		5,677,950	1,459,233
Own-share Lending Arrangement, Shares, Outstanding, Value			$ 13,100,000
Term Note [Member]
Debt Instrument, Interest Rate, Stated Percentage	8.00%
Long-term Debt, Total	$ 17,400,000
Five Point Eight Seven Five Percent Convertible Senior Notes Due Two Thousand Thirty Five [Member]
Debt Instrument, Convertible, Conversion Price | $ / shares			$ 24.61
Five Point Eight Seven Five Percent Convertible Senior Notes Due Two Thousand Thirty Five [Member] | Convertible Debt [Member]
Debt Instrument, Face Amount	54,400,000	$ 300,000,000	$ 33,839,000	88,280,000
Debt Instrument, Interest Rate, Stated Percentage		5.875%
Debt Instrument, Maturity Date		Nov. 30, 2035
Debt Instrument, Repurchase Amount	16,300,000
Gain (Loss) on Repurchase of Debt Instrument	$ 5,100,000
Debt Instrument, Convertible, Conversion Ratio			40.63
Debt Instrument, Convertible, Conversion Price | $ / shares			$ 24.61
Debt Instrument, Convertible, Cash Paid Per $1,000 Principal Held			$ 1,000
Amortization of Debt Discount (Premium)			500,000	600,000
Interest Payable			$ 3,900,000	$ 5,200,000
Debt, Weighted Average Interest Rate			9.20%	9.20%

Note 10 - Convertible Senior _4

Note 10 - Convertible Senior Notes - Summary of Convertible Senior Notes (Details) - USD ($)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Aug. 26, 2019	Nov. 30, 2005
Net carrying value	$ 24,091,000	$ 62,142,000
Five Point Eight Seven Five Percent Convertible Senior Notes Due Two Thousand Thirty Five [Member] | Convertible Debt [Member]
Face amount of convertible senior notes	33,839,000	88,280,000	$ 54,400,000	$ 300,000,000
Discount	(9,748,000)	(26,138,000)
Net carrying value	24,091,000	62,142,000
Carrying amount of equity component included in paid-in capital	108,714,000	108,714,000
Excess of instruments’ if-converted values over face principal amounts

Note 11 - Commitments and Con_2

Note 11 - Commitments and Contingencies (Details Textual) $ in Millions	Dec. 31, 2019USD ($)
Pledged Assets, Other, Not Separately Reported on Statement of Financial Position, Total	$ 15.1
Unfunded Individual Credit Commitment [Member]
Other Commitment, Total	1,100
Unfunded Outstanding Floor-Plan Financing Commitment [Member]
Other Commitment, Total	$ 9.2

Note 12 - Income Taxes (Details

Note 12 - Income Taxes (Details Textual) - USD ($) $ in Thousands	1 Months Ended	12 Months Ended
	Jul. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Dec. 31, 2015
Effective Income Tax Rate Reconciliation, Percent, Total		17.50%	(118.60%)
Income Tax Settlement Amount with Taxing Authority					$ 3,700	$ 7,400
Payments for Income Tax Settlement with Taxing Authority	$ 5,400	$ 700
Income Tax Examination, Liability (Refund) Adjustment from Settlement with Taxing Authority				$ (500)
Income Tax Examination, Penalties Accrued		900
Deferred Tax Assets, Valuation Allowance, Total		39,161	$ 40,830
Deferred Tax Assets, Operating Loss Carryforwards, Domestic		18,643	44,485
Deferred Tax Assets, Capital Loss Carryforwards		600
Unrecognized Tax Benefits that Would Impact Effective Tax Rate		500	400
Capital Loss Carryforward [Member]
Tax Credit Carryforward, Amount		2,800
Domestic Tax Authority [Member]
Operating Loss Carryforwards, Total		85,600
Income Tax Expense (Benefit) [Member]
Income Tax Examination, Penalties and Interest Expense, Total		$ 100
Income Tax Examination, Penalties and Interest Expense, Net Reversal			$ 1,200

Note 12 - Income Taxes - Schedu

Note 12 - Income Taxes - Schedule of Components of Income Tax Expense (Benefit) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Current tax benefit (expense)	$ 279	$ 5,932
Deferred tax (expense) benefit	(5,395)	(1,159)
Total federal income tax expense (benefit), federal	(5,116)	4,773
Current tax benefit (expense), foreign	25	(53)
Deferred tax (expense) benefit, foreign	(15)	3
Total foreign income tax benefit (expense)	10	(50)
Current tax (expense) benefit, foreign	(709)	(3)
Deferred tax benefit (expense)	262	(590)
Total state and other income tax expense	(447)	(593)
Total federal income tax expense (benefit)	$ (5,553)	$ 4,130

Note 12 - Income Taxes - Sche_2

Note 12 - Income Taxes - Schedule of Effective Income Tax Rate Reconciliation (Details)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Statutory expense rate	21.00%	21.00%
Federal valuation allowance	(4.40%)	(132.00%)
Global intangible low-taxed income	0.80%	9.60%
Interest and penalties related to uncertain tax positions and IRS settlement adjustment	0.60%	(27.20%)
Foreign taxes, net of valuation allowance	(0.50%)	(8.20%)
Permanent and other prior year true ups and tax effect of non-controlling interest	(1.10%)	4.70%
State taxes, net of valuation allowance	1.10%	13.50%
Effective expense (benefit) rate	17.50%	(118.60%)

Note 12 - Income Taxes - Sche_3

Note 12 - Income Taxes - Schedule of Deferred Tax Assets and Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Software development costs/fixed assets		$ 108
Goodwill and intangible assets	113	895
Provision for loan loss	36,172	19,479
Equity-based compensation	792	748
Accrued expenses	386	307
Accruals for state taxes and interest associated with unrecognized tax benefits	108	87
Federal net operating loss carry-forward	18,643	44,485
Minimum tax credit carry-forward	520	1,015
Foreign net operating loss carry-forward	537	256
Other	40	151
State tax benefits, primarily from net operating losses	40,937	42,318
Deferred tax assets, gross	98,248	109,849
Valuation allowances	(39,161)	(40,830)
Deferred tax assets net of valuation allowance	59,087	69,019
Prepaid expenses and other	(1,217)	(210)
Software development costs/fixed assets	(176)
Equity in income of equity-method investee	(1,154)	(1,092)
Credit card fair value election differences	(21,513)	(21,021)
Market discount on loans	(29,834)	(21,749)
Deferred costs	(542)	(469)
Convertible senior notes	(9,309)	(22,106)
Cancellation of indebtedness income		(1,882)
Deferred tax liabilities, gross	(63,745)	(68,529)
Deferred tax liabilities, net	$ (4,658)
Deferred tax (liabilities) assets, net		$ 490

Note 12 - Income Taxes - Unreco

Note 12 - Income Taxes - Unrecognized Tax Benefits Rollforward (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Balance	$ (414)	$ (373)
Reductions based on tax positions related to prior years	13	51
Additions based on tax positions related to the current year	(83)	(71)
Interest and penalties accrued	(29)	(21)
Balance	$ (513)	$ (414)

Note 13 - Net Income Attribut_3

Note 13 - Net Income Attributable to Controlling Interests Per Common Share (Details Textual) xbrli-pure in Millions	12 Months Ended
	Dec. 31, 2019$ / sharesshares	Dec. 31, 2018shares
Weighted Average Number of Shares, Restricted Stock	512,636	272,172
Five Point Eight Seven Five Percent Convertible Senior Notes Due Two Thousand Thirty Five [Member]
Incremental Common Shares Attributable to Conversion of Debt Securities, Total	0	0
Debt Instrument, Convertible, Conversion Price | $ / shares	$ 24.61
Debt Instrument, Convertible, Number of Equity Instruments	1.4
Share-based Payment Arrangement, Option [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount	500,000	2,900,000

Note 13 - Net Income Attribut_4

Note 13 - Net Income Attributable to Controlling Interests Per Common Share - Summary of Earning Per Share (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands		12 Months Ended
		Dec. 31, 2019	Dec. 31, 2018
Net income attributable to controlling interests		$ 26,443	$ 7,856
Preferred stock dividends and accretion		(1,153)
Net income attributable to common shareholders		$ 25,290	$ 7,856
Basic (including unvested share-based payment awards) (1) (in shares)	[1]	14,499	13,927
Effect of dilutive stock compensation arrangements (in shares)		774	75
Diluted (including unvested share-based payment awards) (1) (in shares)	[1]	15,273	14,002
Net income attributable to common shareholders per common share—basic (in dollars per share)		$ 1.74	$ 0.56
Net income attributable to common shareholders per common share—diluted (in dollars per share)		$ 1.66	$ 0.56
[1]	Shares related to unvested share-based payment awards included in our basic and diluted share counts were 512,636 for the year ended December 31, 2019, compared to 272,172 for the year ended December 31, 2018.

Note 14 - Stock-based Compens_3

Note 14 - Stock-based Compensation (Details Textual) - USD ($) $ in Thousands	May 09, 2019	Dec. 31, 2019	Dec. 31, 2018
Adjustment to Additional Paid in Capital, Income Tax Effect from Share-based Compensation, Net, Total		$ 0	$ 0
Share-based Payment Arrangement, Nonvested Award, Option, Cost Not yet Recognized, Amount		$ 500	$ 1,200
Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period		229,500	533,177
Share-based Payment Arrangement, Expensed and Capitalized, Amount, Total		$ 900	$ 1,300
Share-based Payment Arrangement, Expense		1,000	700
Share-based Payment Arrangement, Nonvested Award, Excluding Option, Cost Not yet Recognized, Amount		$ 700
Share-based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Period for Recognition		2 years 36 days
Restricted Stock [Member] | Minimum [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period		1 year
Restricted Stock [Member] | Maximum [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period		5 years
Share-based Payment Arrangement, Option [Member]
Share-based Payment Arrangement, Expense		$ 700	$ 600
Share-based Compensation Arrangement by Share-based Payment Award, Expiration Period		10 years
The Fourth Amended 2014 Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Number of Additional Shares Authorized	2,000,000
Share-based Compensation Arrangement by Share-based Payment Award, Expiration Period Extension	2 years
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant		1,791,565
Employee Stock Purchase Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant		65,771

Note 14 - Stock-based Compens_4

Note 14 - Stock-based Compensation - Summary of Outstanding Options (Details)	12 Months Ended
	Dec. 31, 2019USD ($)$ / sharesshares
Outstanding (in shares) | shares	3,121,200
Outstanding, weighted average exercise price (in dollars per share) | $ / shares	$ 3.50
Issued (in shares) | shares	50,000
Issued, weighted average exercise price (in dollars per share) | $ / shares	$ 3.13
Exercised (in shares) | shares	(469,701)
Exercised, weighted average exercise price (in dollars per share) | $ / shares	$ 2.59
Cancelled/Forfeited (in shares) | shares	(14,000)
Cancelled/Forfeited, weighted average exercise price (in dollars per share) | $ / shares	$ 3.13
Outstanding (in shares) | shares	2,687,499
Outstanding, weighted average exercise price (in dollars per share) | $ / shares	$ 3.66
Outstanding, weighted average remaining contractual life (Year)	2 years 73 days
Outstanding, aggregate intrinsic value | $	$ 14,386,956
Exercisable (in shares) | shares	1,076,836
Exercisable, weighted average exercise price (in dollars per share) | $ / shares	$ 3.50
Exercisable, weighted average remaining contractual life (Year)	1 year 182 days
Exercisable, aggregate intrinsic value | $	$ 5,930,463

Note 15 - Employee Benefit Pl_2

Note 15 - Employee Benefit Plans (Details Textual) - USD ($)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Defined Contribution Plan Eligibility	90 days
Defined Contribution Plan, Employer Matching Contribution, Percent of Match	3.00%
Defined Contribution Plan, Employer Discretionary Contribution Amount	$ 285,618	$ 285,477
Employee Stock Purchase Plan, Percent of Wages Withheld, Maximum	10.00%
Employee Stock Purchase Plan, Max Annual Contribution by Employees	$ 10,000
Percent of Purchase Price to Company's Common Stock on Last Day of Offering Period	85.00%
Stock Issued During Period, Value, Employee Stock Purchase Plan	$ 108,466	$ 51,593
Stock Issued During Period, Shares, Employee Stock Purchase Plans	19,641	23,681
Employee Stock Purchase Plan, Shares Authorized	100,000
Employee Stock Purchase Plan, Employer Expense During Period	$ 31,954	$ 28,629

Note 16 - Related Party Trans_2

Note 16 - Related Party Transactions (Details Textual)	Dec. 27, 2019USD ($)$ / sharesshares	Dec. 31, 2019USD ($)ft²shares	Dec. 31, 2018USD ($)shares	Nov. 26, 2014USD ($)	Jun. 30, 2007ft²
Related Party Transaction, Percent of Common Stock Purchase to Trigger Share Sale		50.00%
Debt Satisfied By Issuance of Series A Preferred Stock [Member]
Debt Conversion, Original Debt, Amount	$ 40,000,000
Series A Preferred Stock [Member]
Temporary Equity, Shares Issued | shares	400,000	400,000	0
Temporary Equity, Liquidation Preference	$ 40,000,000
Preferred Stock, Dividend Rate, Percentage	6.00%
Temporary Equity, Redemption Price Per Share | $ / shares	$ 100
Temporary Equity, Conversion Price Per Share | $ / shares	$ 10
Chief Executive Officer [Member]
Area of Real Estate Property | ft²		600			1,000
Related Party Transaction, Other Revenues from Transactions with Related Party		$ 16,627	$ 18,089
Related Party Transaction, Due from (to) Related Party, Noncurrent, Total		41,527
Related Party Transaction, Amounts of Transaction		$ 269,072	$ 270,932
Dove Ventures, LLC [Member] | Senior Secured Term Loan Facility [Member]
Line of Credit Facility, Maximum Borrowing Capacity				$ 40,000,000