Atlanticus (ATLC) 10-Q 13 Nov 20 2020 Q3 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	9 Months Ended
	Sep. 30, 2020	Nov. 06, 2020
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 Emerging Growth Company	false
Entity Small Business	true
Entity Interactive Data Current	Yes
Entity Common Stock, Shares Outstanding (in shares)		15,962,016
Entity Shell Company	false
Document Type	10-Q
Document Period End Date	Sep. 30, 2020
Document Fiscal Year Focus	2020
Document Fiscal Period Focus	Q3
Amendment Flag	false
Title of 12(b) Security	Common stock, no par value per share

Consolidated Balance Sheets (Cu

Consolidated Balance Sheets (Current Period Unaudited) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Assets
Unrestricted cash and cash equivalents	$ 149,194	$ 135,379
Restricted cash and cash equivalents	27,681	41,015
Loans, interest and fees receivable:
Loans, interest and fees receivable, at fair value	310,784	4,386
Loans, interest and fees receivable, gross	695,319	998,209
Allowances for uncollectible loans, interest and fees receivable (including $118.0 million and $168.8 million associated with variable interest entities at September 30, 2020 and December 31, 2019, respectively)	(125,915)	(186,329)
Deferred revenue (including $10.3 million and $40.7 million associated with variable interest entities at September 30, 2020 and December 31, 2019, respectively)	(42,120)	(90,307)
Net loans, interest and fees receivable	838,068	725,959
Property at cost, net of depreciation	2,551	2,738
Investments in equity-method investee	1,521	1,957
Deposits	59	104
Operating lease right-of-use assets	10,376	14,091
Prepaid expenses and other assets	11,125	15,023
Total assets	1,040,575	936,266
Liabilities
Accounts payable and accrued expenses	33,987	41,617
Operating lease liabilities	15,881	22,259
Notes payable, at face value	746,392	749,209
Notes payable associated with structured financings, at fair value (associated with variable interest entities)	3,367	3,920
Convertible senior notes	24,310	24,091
Income tax liability	21,690	5,785
Total liabilities	845,627	846,881
Commitments and contingencies (Note 11)
Shareholders' Equity
Common stock, no par value, 150,000,000 shares authorized: 15,967,856 shares issued and outstanding (including 1,459,233 loaned shares to be returned) at September 30, 2020; and 15,885,314 shares issued and outstanding (including 1,459,233 loaned shares to be returned) at December 31, 2019
Paid-in capital	200,744	212,692
Accumulated other comprehensive income
Retained deficit	(144,341)	(211,786)
Total shareholders’ equity	56,403	906
Noncontrolling interests	(730)	(571)
Total equity	55,673	335
Total liabilities, preferred stock and shareholders' equity	1,040,575	936,266
Series A Preferred Stock [Member]
Liabilities
Preferred stock	40,000	40,000
Series B Preferred Stock [Member]
Liabilities
Preferred stock	$ 99,275	$ 49,050

Consolidated Balance Sheets (_2

Consolidated Balance Sheets (Current Period Unaudited) (Parentheticals) - USD ($) $ / shares in Thousands	Sep. 30, 2020	Dec. 31, 2019
Unrestricted cash and cash equivalents	$ 149,194,000	$ 135,379,000
Restricted cash and cash equivalents	27,681,000	41,015,000
Loans, interest and fees receivable, at fair value	310,784,000	4,386,000
Loans, interest and fees receivable, gross	695,319,000	998,209,000
Allowances for uncollectible loans, interest and fees receivable	125,915,000	186,329,000
Deferred revenue	42,120,000	90,307,000
Notes payable, at face value	$ 746,392,000	$ 749,209,000
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)	15,967,856	15,885,314
Common stock, outstanding (in shares)	15,967,856	15,885,314
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, liquidation preference	$ 40,000,000
Preferred stock, shares issued (in shares)	400,000	400,000
Preferred stock, shares authorized (in shares)	10,000,000	10,000,000
Preferred stock, shares outstanding (in shares)	400,000	400,000
Variable Interest Entity, Primary Beneficiary [Member]
Unrestricted cash and cash equivalents	$ 62,100,000	$ 78,700,000
Restricted cash and cash equivalents	17,300,000	25,900,000
Loans, interest and fees receivable, at fair value	236,900,000	3,900,000
Loans, interest and fees receivable, gross	574,600,000	857,200,000
Allowances for uncollectible loans, interest and fees receivable	118,000,000	168,800,000
Deferred revenue	10,300,000	40,700,000
Notes payable, at face value	$ 689,700,000	$ 701,100,000

Consolidated Statements of Oper

Consolidated Statements of Operations (Unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Interest income:
Consumer loans, including past due fees	$ 103,552	$ 70,473	$ 306,654	$ 175,954
Other	90	108	248	286
Total interest income	103,642	70,581	306,902	176,240
Interest expense	(12,678)	(13,099)	(38,514)	(36,259)
Net interest income before fees and related income on earning assets and provision for losses on loans, interest and fees receivable	90,964	57,482	268,388	139,981
Changes in fair value of loans, interest and fees receivable recorded at fair value	(29,081)	355	(69,779)	725
Fees and related income on earning assets	35,856	20,080	103,681	46,111
Net losses upon impairment of loans, interest and fees receivable recorded at fair value	(3,291)	(190)	(3,931)	(715)
Provision for losses on loans, interest and fees receivable recorded at net realizable value	(17,028)	(65,527)	(116,894)	(148,539)
Net interest income, fees and related income on earning assets	77,420	12,200	181,465	37,563
Other operating income:
Servicing income	4,722	4,131	10,358	9,173
Other income	4,195	30,486	8,739	75,900
Gain on repurchase of convertible senior notes		5,127		5,127
Equity in income of equity-method investee	342	284	355	736
Total other operating income	5,064	36,253	10,713	83,180
Other operating expense:
Salaries and benefits	6,624	6,429	20,642	19,455
Card and loan servicing	16,309	13,152	47,747	35,123
Marketing and solicitation	7,016	10,757	26,523	26,254
Depreciation	327	284	932	856
Other	3,945	1,333	13,332	9,232
Total other operating expense	34,221	31,955	109,176	90,920
Income before income taxes	48,263	16,498	83,002	29,823
Income tax expense	(9,456)	(3,478)	(15,716)	(5,966)
Net income	38,807	13,020	67,286	23,857
Net loss attributable to noncontrolling interests	48	57	159	177
Net income attributable to controlling interests	38,855	13,077	67,445	24,034
Preferred dividends	(4,788)		(12,283)
Net income attributable to common shareholders	$ 34,067	$ 13,077	$ 55,162	$ 24,034
Net income attributable to common shareholders per common share—basic (in dollars per share)	$ 2.35	$ 0.90	$ 3.81	$ 1.65
Net income attributable to common shareholders per common share—diluted (in dollars per share)	$ 1.72	$ 0.83	$ 2.85	$ 1.59
Servicing Income [Member]
Other operating income:
Servicing income	$ 527	$ 356	$ 1,619	$ 1,417

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Net income	$ 38,807	$ 13,020	$ 67,286	$ 23,857
Other comprehensive income (loss):
Foreign currency translation adjustment		1,784		2,282
Reclassifications of foreign currency translation gains to Other operating expense on the consolidated statements of operations		(2,878)		(2,878)
Comprehensive income	38,807	11,926	67,286	23,261
Comprehensive loss attributable to noncontrolling interests	48	57	159	177
Comprehensive income attributable to controlling interests	38,855	11,983	67,445	23,438
Comprehensive income attributable to controlling interests to common shareholders	$ 34,067	$ 11,983	$ 55,162	$ 23,438

Consolidated Statements of Shar

Consolidated Statements of Shareholders' Equity (Deficit) (Unaudited) - USD ($)	Cumulative Effect, Period of Adoption, Adjustment [Member]Common Stock [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member]Additional Paid-in Capital [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member]AOCI Attributable to Parent [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member]Retained Earnings [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member]Noncontrolling Interest [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member]Class B Preferred Units [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member]Preferred Stock [Member]Series A Preferred Stock [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member]	Common Stock [Member]	Additional Paid-in Capital [Member]	AOCI Attributable to Parent [Member]	Retained Earnings [Member]	Noncontrolling Interest [Member]	Class B Preferred Units [Member]	Preferred Stock [Member]Series A Preferred Stock [Member]	Total
Balance (in shares) at Dec. 31, 2018									15,563,574
Balance at Dec. 31, 2018				$ 555,000				$ 555,000		$ 213,435,000	$ 3,558,000	$ (238,784,000)	$ (338,000)			$ (22,129,000)
Stock option exercises and proceeds related thereto (in shares)									419,500
Stock option exercises and proceeds related thereto										1,065,000						1,065,000
Deferred stock-based compensation costs										412,000						412,000
Redemption and retirement of shares (in shares)									(5,944)
Redemption and retirement of shares										(21,000)						(21,000)
Comprehensive income											(1,513,000)	5,713,000	(58,000)			4,142,000
Balance (in shares) at Mar. 31, 2019									15,977,130
Balance at Mar. 31, 2019										214,891,000	2,045,000	(232,516,000)	(396,000)			(15,976,000)
Balance (in shares) at Dec. 31, 2018									15,563,574
Balance at Dec. 31, 2018				$ 555,000				$ 555,000		213,435,000	3,558,000	(238,784,000)	(338,000)			$ (22,129,000)
Redemption and retirement of shares (in shares)																(271,588)
Redemption and retirement of shares																$ (1,850,000)
Comprehensive income																23,261,000
Balance (in shares) at Sep. 30, 2019									15,949,853
Balance at Sep. 30, 2019										214,030,000	2,962,000	(214,195,000)	(515,000)			2,282,000
Balance (in shares) at Mar. 31, 2019									15,977,130
Balance at Mar. 31, 2019										214,891,000	2,045,000	(232,516,000)	(396,000)			(15,976,000)
Stock option exercises and proceeds related thereto (in shares)									6,000
Stock option exercises and proceeds related thereto										18,000						18,000
Compensatory stock issuances, net of forfeitures (in shares)									205,000
Compensatory stock issuances, net of forfeitures
Deferred stock-based compensation costs										440,000						440,000
Redemption and retirement of shares (in shares)									(64,845)
Redemption and retirement of shares										(238,000)						(238,000)
Comprehensive income											2,011,000	5,244,000	(62,000)			7,193,000
Balance (in shares) at Jun. 30, 2019									16,123,285
Balance at Jun. 30, 2019										215,111,000	4,056,000	(227,272,000)	(458,000)			(8,563,000)
Stock option exercises and proceeds related thereto (in shares)									27,367
Stock option exercises and proceeds related thereto										82,000						82,000
Deferred stock-based compensation costs										428,000						$ 428,000
Redemption and retirement of shares (in shares)									(200,799)							(200,799)
Redemption and retirement of shares										(1,591,000)						$ (1,591,000)
Comprehensive income											(1,094,000)	13,077,000	(57,000)			11,926,000
Balance (in shares) at Sep. 30, 2019									15,949,853
Balance at Sep. 30, 2019										214,030,000	2,962,000	(214,195,000)	(515,000)			2,282,000
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
Accretion of discount associated with issuance of subsidiary equity										(75,000)				75,000		(75,000)
Preferred dividends										(2,684,000)						(2,684,000)
Stock option exercises and proceeds related thereto (in shares)									2,000
Stock option exercises and proceeds related thereto										6,000						6,000
Compensatory stock issuances, net of forfeitures (in shares)									64,915
Compensatory stock issuances, net of forfeitures
Contributions by preferred unit holders														50,000,000
Deferred stock-based compensation costs										368,000						368,000
Redemption and retirement of shares (in shares)									(74,724)
Redemption and retirement of shares										(559,000)						(559,000)
Comprehensive income												5,425,000	(63,000)			5,362,000
Balance (in shares) at Mar. 31, 2020									15,877,505
Balance at Mar. 31, 2020										209,748,000		(206,361,000)	(634,000)	99,125,000	40,000,000	2,753,000
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
Stock option exercises and proceeds related thereto (in shares)																148,500
Redemption and retirement of shares (in shares)																(133,998)
Redemption and retirement of shares																$ (1,163,000)
Comprehensive income																67,286,000
Balance (in shares) at Sep. 30, 2020									15,967,856
Balance at Sep. 30, 2020										200,744,000		(144,341,000)	(730,000)	99,275,000	40,000,000	55,673,000
Balance (in shares) at Mar. 31, 2020									15,877,505
Balance at Mar. 31, 2020										209,748,000		(206,361,000)	(634,000)	99,125,000	40,000,000	2,753,000
Accretion of discount associated with issuance of subsidiary equity										(75,000)				75,000		(75,000)
Preferred dividends										(4,661,000)						(4,661,000)
Stock option exercises and proceeds related thereto (in shares)									37,667
Stock option exercises and proceeds related thereto										114,000						114,000
Deferred stock-based compensation costs										281,000						281,000
Redemption and retirement of shares (in shares)									(10,999)
Redemption and retirement of shares										(112,000)						(112,000)
Comprehensive income												23,165,000	(48,000)			23,117,000
Balance (in shares) at Jun. 30, 2020									15,904,173
Balance at Jun. 30, 2020										205,295,000		(183,196,000)	(682,000)	99,200,000	40,000,000	21,417,000
Accretion of discount associated with issuance of subsidiary equity										(75,000)				75,000		(75,000)
Preferred dividends										(4,713,000)						(4,713,000)
Stock option exercises and proceeds related thereto (in shares)									108,833
Stock option exercises and proceeds related thereto										426,000						426,000
Compensatory stock issuances, net of forfeitures (in shares)									3,125
Compensatory stock issuances, net of forfeitures
Deferred stock-based compensation costs										303,000						$ 303,000
Redemption and retirement of shares (in shares)									(48,275)							(48,275)
Redemption and retirement of shares										(492,000)						$ (492,000)
Comprehensive income												38,855,000	(48,000)			38,807,000
Balance (in shares) at Sep. 30, 2020									15,967,856
Balance at Sep. 30, 2020										$ 200,744,000		$ (144,341,000)	$ (730,000)	$ 99,275,000	$ 40,000,000	$ 55,673,000

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019
Operating activities
Net income	$ 67,286	$ 23,857
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation, amortization and accretion, net	5,959	5,736
Losses upon impairment of loans, interest and fees receivable recorded at fair value	3,931	715
Provision for losses on loans, interest and fees receivable	116,894	148,539
Interest expense from accretion of discount on notes	436	677
Income from accretion of merchant fees and discount associated with receivables purchases	(91,376)	(80,130)
Unrealized losses (gains) on loans, interest and fees receivable and underlying notes payable held at fair value	69,226	(2,398)
Amortization of deferred loan costs	3,853	2,271
Income from equity-method investments	(355)	(736)
Gain on repurchase of convertible senior notes		(5,127)
Deferred stock-based compensation costs	952	1,280
Lease liability payments	(7,689)	(7,540)
Changes in assets and liabilities:
(Increase) decrease in uncollected fees on earning assets	(30,373)	2,139
Increase in income tax liability	15,905	5,729
Decrease in deposits	45	20
Decrease in accounts payable and accrued expenses	(10,833)	(17,288)
Other	3,913	(7,511)
Net cash provided by operating activities	147,774	70,233
Investing activities
Proceeds from equity-method investee	791	1,187
Investments in earning assets	(953,197)	(760,692)
Proceeds from earning assets	772,234	469,876
Purchases and development of property, net of disposals	(745)	(196)
Net cash used in investing activities	(180,917)	(289,825)
Financing activities
Proceeds from issuance of preferred units	50,000
Preferred dividends	(8,855)
Proceeds from exercise of stock options	546	1,165
Purchase and retirement of outstanding stock	(1,163)	(1,850)
Proceeds from borrowings	249,353	527,866
Repayment of borrowings	(256,240)	(336,832)
Net cash provided by financing activities	33,641	190,349
Effect of exchange rate changes on cash	(17)	(398)
Net increase (decrease) in cash and cash equivalents	481	(29,641)
Cash and cash equivalents and restricted cash at beginning of period	176,394	141,754
Cash and cash equivalents and restricted cash at end of period	176,875	112,113
Supplemental cash flow information
Cash paid for interest	35,824	34,542
Net cash income tax (refunds) payments	$ (189)	$ 237

Note 1 - Description of Our Bus

Note 1 - Description of Our Business	9 Months Ended
	Sep. 30, 2020
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 facilitating consumer credit through the use of our 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 bank partner are often extended to consumers who may 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. On March 13, 2020, 19” 19 19 On March 27, 2020, 19. one The duration and severity of the effects of COVID- 19 not 19 third

Note 2 - Significant Accounting

Note 2 - Significant Accounting Policies and Consolidated Financial Statement Components	9 Months Ended
	Sep. 30, 2020
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. Loans, Interest and Fees Receivable We maintain two 90 180 30 not Loans, Interest and Fees Receivable, at Fair Value. January 1, 2020 ( Under the fair value option for both our Securitized Receivables and our Fair Value Receivables, direct loan origination fees (such as annual and merchant fees) are taken into income when billed to the consumer or upon loan acquisition and direct loan origination costs are expensed in the period incurred. The Company estimates the fair value of the loans using a discounted cash flow model, which considers various unobservable inputs such as remaining cumulative charge-offs, remaining cumulative prepayments, average life and discount rate. The Company re-evaluates the fair value of loans receivable at the close of each measurement period. Changes in fair value are recorded in "Changes in fair value of loans, interest and fees receivable recorded at fair value" in the consolidated statements of operations in the period of the fair value changes. Changes in the fair value of loans, interest and fees receivable recorded at fair value 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. Further details concerning our loans, interest and fees receivable held at fair value are presented within Note 6, Loans, Interest and Fees Receivable Gross. not $47.1 $139.7 $45.4 $138.6 three nine September 30, 2020 2019 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 that are not two may may not may A considerable amount of judgment is required to assess the ultimate amount of uncollectible loans, interest and fees receivable, and we continuously evaluate and update our methodologies to determine the most appropriate allowance necessary. We 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 on each anniversary of that date thereafter. As of September 30, 2020 December 31, 2019 $42.1 $90.3 14 11 $31.1 $48.1 September 30, 2020 December 31, 2019 As a result of the recent COVID- 19 March 13, 2020 March 22, 2020, 19 may 19. 19 not September 30, 2020, 5.2% 19. September 30, 2020, 1.4% $19.1 A roll-forward (in millions) of our allowance for uncollectible loans, interest and fees receivable by class of receivable is as follows: For the Three Months Ended September 30, 2020 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at beginning of period $ (112.5 ) $ (1.8 ) $ (43.8 ) $ (158.1 ) Provision for loan losses (14.9 ) (0.4 ) (1.7 ) (17.0 ) Charge offs 39.3 0.6 15.0 54.9 Recoveries (2.8 ) (0.3 ) (2.6 ) (5.7 ) Balance at end of period $ (90.9 ) $ (1.9 ) $ (33.1 ) $ (125.9 ) For the Nine Months Ended September 30, 2020 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at beginning of period $ (121.3 ) $ (1.6 ) $ (63.4 ) $ (186.3 ) Provision for loan losses (96.1 ) (1.8 ) (19.0 ) (116.9 ) Charge offs 134.3 2.3 62.3 198.9 Recoveries (7.8 ) (0.8 ) (13.0 ) (21.6 ) Balance at end of period $ (90.9 ) $ (1.9 ) $ (33.1 ) $ (125.9 ) As of September 30, 2020 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 ) $ (0.3 ) $ (0.7 ) Balance at end of period collectively evaluated for impairment $ (90.9 ) $ (1.5 ) $ (32.8 ) $ (125.2 ) Loans, interest and fees receivable: Loans, interest and fees receivable, gross $ 370.9 $ 90.5 $ 233.9 $ 695.3 Loans, interest and fees receivable individually evaluated for impairment $ — $ 3.3 $ 0.3 $ 3.6 Loans, interest and fees receivable collectively evaluated for impairment $ 370.9 $ 87.2 $ 233.6 $ 691.7 For the Three Months Ended September 30, 2019 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at beginning of period $ (55.3 ) $ (1.6 ) $ (43.3 ) $ (100.2 ) Provision for loan losses (41.0 ) (0.6 ) (23.9 ) (65.5 ) Charge offs 20.0 1.0 14.8 35.8 Recoveries (2.8 ) (0.4 ) (1.5 ) (4.7 ) Balance at end of period $ (79.1 ) $ (1.6 ) $ (53.9 ) $ (134.6 ) For the Nine Months Ended September 30, 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 (89.6 ) (2.6 ) (56.3 ) (148.5 ) Charge offs 49.4 3.4 49.0 101.8 Recoveries (3.5 ) (1.1 ) (4.1 ) (8.7 ) Balance at end of period $ (79.1 ) $ (1.6 ) $ (53.9 ) $ (134.6 ) 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 An aging of our delinquent loans, interest and fees receivable, gross (in millions) by class of receivable as of September 30, 2020 December 31, 2019 As of September 30, 2020 Credit Cards Auto Finance Other Unsecured Lending Products Total 30-59 days past due $ 8.3 $ 6.0 $ 5.0 $ 19.3 60-89 days past due 7.5 2.2 3.8 13.5 90 or more days past due 21.2 1.9 9.5 32.6 Delinquent loans, interest and fees receivable, gross 37.0 10.1 18.3 65.4 Current loans, interest and fees receivable, gross 333.9 80.4 215.6 629.9 Total loans, interest and fees receivable, gross $ 370.9 $ 90.5 $ 233.9 $ 695.3 Balance of loans greater than 90-days delinquent still accruing interest and fees $ — $ 1.3 $ — $ 1.3 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 Troubled Debt Restructurings. 90 may not one 19 six 19 30 not not not 19 The following table details by class of receivable, the number and amount of modified loans, including TDRs that have been re-aged, as of September 30, 2020 December 31, 2019 As of September 30, 2020 December 31, 2019 Point-of-sale Direct-to-consumer Point-of-sale Direct-to-consumer Number of TDRs 14,460 40,401 10,682 14,553 Number of TDRs that have been re-aged 3,046 7,789 2,788 2,854 Amount of TDRs on non-accrual status (in thousands) $ 17,243 $ 29,705 $ 14,468 $ 13,037 Amount of TDRs on non-accrual status above that have been re-aged (in thousands) $ 5,161 $ 7,040 $ 5,118 $ 3,104 Carrying value of TDRs (in thousands) $ 12,260 $ 19,701 $ 8,864 $ 7,312 TDRs - Performing (carrying value, in thousands)* $ 9,965 $ 17,941 $ 6,754 $ 6,106 TDRs - Nonperforming (carrying value, in thousands)* $ 2,295 $ 1,760 $ 2,110 $ 1,206 *“TDRs - Performing” include accounts that are current on all amounts owed, while “TDRs - Nonperforming” include all accounts with past due amounts owed. We do not The Company modified 66,667 24,831 $78.2 $36.4 twelve September 30, 2020 September 30, 2019 twelve Twelve Months Ended September 30, 2020 September 30, 2019 Point-of-sale Direct-to-consumer Point-of-sale Direct-to-consumer Number of accounts 3,820 7,986 2,597 2,689 Loan balance at time of charge off (in thousands) $ 5,333 $ 7,055 $ 4,115 $ 2,902 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 Income Taxes We experienced effective tax rates of 19.6% 18.9%, three nine September 30, 2020, 21.1% 20.0%, three nine September 30, 2019. Our effective tax rates for the three nine September 30, 2020, 1 2 three nine September 30, 2020. Our effective tax rate for the three September 30, 2019, nine September 30, 2019, 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. During the three nine September 30, 2020, $0.0 $0.1 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 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 installment or auto loans that are not Fees and Related Income on Earning Assets Fees and related income on earning assets primarily include: ( 1 2 3 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 not January 1, 2020 2020. The components (in thousands) of our fees and related income on earning assets are as follows: For the Three Months Ended September 30, For the Nine Months Ended September 30, 2020 2019 2020 2019 Fees on credit products $ 35,488 $ 19,725 $ 102,532 $ 44,329 Changes in fair value of notes payable associated with structured financings recorded at fair value 73 346 553 1,673 Other 295 9 596 109 Total fees and related income on earning assets $ 35,856 $ 20,080 $ 103,681 $ 46,111 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 the three nine September 30, 2019 $26.7 $68.1 one may may Revenue from Contracts with Customers The majority of our revenue is earned from financial instruments and is not No. 2014 09, not Credit and For the Three Months Ended September 30, 2020 Other Investments Auto Finance Total Interchange revenues, net (1) $ 2,732 $ — $ 2,732 Servicing income 262 265 527 Service charges and other customer related fees 1,447 16 1,463 Total revenue from contracts with customers $ 4,441 $ 281 $ 4,722 ( 1 Credit and For the Nine Months Ended September 30, 2020 Other Investments Auto Finance Total Interchange revenues, net (1) $ 6,554 $ — $ 6,554 Servicing income 886 733 1,619 Service charges and other customer related fees 2,136 49 2,185 Total revenue from contracts with customers $ 9,576 $ 782 $ 10,358 ( 1 Credit and For the Three Months Ended September 30, 2019 Other Investments Auto Finance Total Interchange revenues, net (1) $ 2,674 $ — $ 2,674 Servicing income 144 212 356 Service charges and other customer related fees 1,085 16 1,101 Total revenue from contracts with customers $ 3,903 $ 228 $ 4,131 ( 1 Credit and For the Nine Months Ended September 30, 2019 Other Investments Auto Finance Total Interchange revenues, net (1) $ 5,514 $ — $ 5,514 Servicing income 698 719 1,417 Service charges and other customer related fees 2,193 49 2,242 Total revenue from contracts with customers $ 8,405 $ 768 $ 9,173 ( 1 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 August 2018, No. 2018 13, 820, December 15, 2019. 3 not 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 Subsequent to quarter-end, one $2.0 In October 2020, $250.0 9 We have evaluated subsequent events occurring after September 30, 2020 , not

Note 3 - Segment Reporting

Note 3 - Segment Reporting	9 Months Ended
	Sep. 30, 2020
Notes to Financial Statements
Segment Reporting Disclosure [Text Block]	3. Segment Reporting We operate primarily within one two two As of both September 30, 2020 December 31, 2019 not nine September 30, 2020 2019 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: Three Months Ended September 30, 2020 Credit and Other Investments Auto Finance Total Interest income: Consumer loans, including past due fees $ 95,593 $ 7,959 $ 103,552 Other 90 — 90 Total interest income 95,683 7,959 103,642 Interest expense (12,438 ) (240 ) (12,678 ) Net interest income before fees and related income on earning assets and provision for losses on loans, interest and fees receivable $ 83,245 $ 7,719 $ 90,964 Changes in fair value of loans, interest and fees receivable recorded at fair value $ (29,081 ) $ — $ (29,081 ) Fees and related income on earning assets $ 35,829 $ 27 $ 35,856 Servicing income $ 262 $ 265 $ 527 Equity in income of equity-method investee $ 342 $ — $ 342 Income before income taxes $ 45,803 $ 2,460 $ 48,263 Income tax expense $ (8,821 ) $ (635 ) $ (9,456 ) Nine Months Ended September 30, 2020 Credit and Other Investments Auto Finance Total Interest income: Consumer loans, including past due fees $ 282,895 $ 23,759 $ 306,654 Other 248 — 248 Total interest income 283,143 23,759 306,902 Interest expense (37,590 ) (924 ) (38,514 ) Net interest income before fees and related income on earning assets and provision for losses on loans, interest and fees receivable $ 245,553 $ 22,835 $ 268,388 Changes in fair value of loans, interest and fees receivable recorded at fair value $ (69,779 ) $ — $ (69,779 ) Fees and related income on earning assets $ 103,610 $ 71 $ 103,681 Servicing income $ 886 $ 733 $ 1,619 Equity in income of equity-method investee $ 355 $ — $ 355 Income before income taxes $ 76,794 $ 6,208 $ 83,002 Income tax expense $ (14,100 ) $ (1,616 ) $ (15,716 ) Total assets $ 960,527 $ 80,048 $ 1,040,575 Three Months Ended September 30, 2019 Credit and Other Investments Auto Finance Total Interest income: Consumer loans, including past due fees $ 62,558 $ 7,915 $ 70,473 Other 108 — 108 Total interest income 62,666 7,915 70,581 Interest expense (12,682 ) (417 ) (13,099 ) Net interest income before fees and related income on earning assets and provision for losses on loans, interest and fees receivable $ 49,984 $ 7,498 $ 57,482 Changes in fair value of loans, interest and fees receivable recorded at fair value $ 355 $ — $ 355 Fees and related income on earning assets $ 20,056 $ 24 $ 20,080 Servicing income $ 144 $ 212 $ 356 Gain on repurchase of convertible senior notes $ 5,127 $ — $ 5,127 Equity in income of equity-method investee $ 284 $ — $ 284 Income before income taxes $ 14,475 $ 2,023 $ 16,498 Income tax expense $ (3,397 ) $ (81 ) $ (3,478 ) Nine Months Ended September 30, 2019 Credit and Other Investments Auto Finance Total Interest income: Consumer loans, including past due fees $ 152,398 $ 23,556 $ 175,954 Other 286 — 286 Total interest income 152,684 23,556 176,240 Interest expense (35,034 ) (1,225 ) (36,259 ) Net interest income before fees and related income on earning assets and provision for losses on loans, interest and fees receivable $ 117,650 $ 22,331 $ 139,981 Changes in fair value of loans, interest and fees receivable recorded at fair value $ 725 $ — $ 725 Fees and related income on earning assets $ 45,975 $ 136 $ 46,111 Servicing income $ 698 $ 719 $ 1,417 Gain on repurchase of convertible senior notes $ 5,127 $ — $ 5,127 Equity in income of equity-method investee $ 736 $ — $ 736 Income before income taxes $ 24,640 $ 5,183 $ 29,823 Income tax expense $ (5,072 ) $ (894 ) $ (5,966 ) Total assets $ 712,712 $ 79,235 $ 791,947

Note 4 - Shareholders' Equity a

Note 4 - Shareholders' Equity and Preferred Stock	9 Months Ended
	Sep. 30, 2020
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 12, Dove is a limited liability company owned by three one two two During the three nine September 30, 2020 48,275 133,998 $492,000 $1,163,000, three nine 30, 2019, 200,799 271,588 $1,591,000 $1,850,000, We had 1,459,233 September 30, 2020 December 31, 2019 November 2005 On November 14, 2019, 50.5 $1.00 third 16% 6 not March 30, 2020, 50.0 12,

Note 5 - Investment in Equity-m

Note 5 - Investment in Equity-method Investee	9 Months Ended
	Sep. 30, 2020
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 September 30, 2020 66.7% In the following tables, we summarize (in thousands) balance sheet and results of operations data for our equity-method investee: As of September 30, 2020 December 31, 2019 Loans, interest and fees receivables, at fair value $ 2,149 $ 2,757 Total assets $ 2,265 $ 2,922 Total liabilities $ 10 $ 13 Members' capital $ 2,255 $ 2,909 Three Months Ended September 30, Nine Months Ended September 30, 2020 2019 2020 2019 Net interest income, fees and related income on earning assets $ 546 $ 426 $ 638 $ 1,106 Net income $ 513 $ 381 $ 532 $ 960 Net income attributable to our equity investment investee $ 342 $ 284 $ 355 $ 736

Note 6 - Fair Values of Assets

Note 6 - Fair Values of Assets and Liabilities	9 Months Ended
	Sep. 30, 2020
Notes to Financial Statements
Fair Value Disclosures [Text Block]	6. Fair Values of Assets and Liabilities As previously discussed, as of January 1, 2020, January 1, 2020. may 19 We previously 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. Fair value differs from amortized cost accounting in various ways. Under the fair value option credit losses are recognized through income as they are incurred rather than through the establishment of an allowance and provision for losses. We update our fair value analysis each quarter, with changes since the prior reporting period reflected as a component of Fees and related income on earning assets in the consolidated statements of operations. Changes in interest rates, credit spreads, realized and projected credit losses and cash flow timing will lead to changes in the fair value of our Loans, interest and fees receivable, at fair value and therefore impact earnings. The primary differences between fair value and amortized cost accounting are: • Receivables and notes are recorded at their fair value, not • The fair value of the loans takes into consideration net charge-offs for the remaining life of the loans with no • Certain fee billings (such as annual or merchant fees) and expenses of loans and notes are no • Changes in the fair value of loans and notes impact recorded revenues; and • Net charge-offs are recognized as they occur. 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 September 30, 2020 December 31, 2019 1 2 not Assets – As of September 30, 2020 (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 $ — $ — $ 620,027 $ 527,284 Loans, interest and fees receivable, at fair value $ — $ — $ 310,784 $ 310,784 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 ( 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 nine 30, 2020 2019 Loans, Interest and Fees Receivables, at Fair Value 2020 2019 Balance at January 1, $ 4,386 $ 6,306 Total gains—realized/unrealized: Net revaluations of loans, interest and fees receivable, at fair value (69,779 ) 725 Purchases 481,212 — Settlements (167,522 ) (2,506 ) Finance and fees 62,487 — Balance at September 30, $ 310,784 $ 4,525 The unrealized gains and losses for assets within the Level 3 Net Revaluation of Loans, Interest and Fees Receivable. third For Level 3 September 30, 2020 December 31, 2019 Quantitative Information about Level 3 Fair Value Measurement Fair Value at September 30, 2020 (in thousands) Valuation Technique Unobservable Input Range (Weighted Average) Loans, interest and fees receivable, at fair value $ 310,784 Discounted cash flows Gross yield, net of finance charge charge-offs 23.7% to 55.9% (41.4%) Payment rate 4.8% to 11.8% (8.4%) Expected principal credit loss rate 6.8% to 29.6% (22.7%) Servicing rate 2.7% to 20.7% (4.2%) Discount rate 12.9% to 13.5% (13.3%) 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, net of finance charge charge-offs 25.5% to 53.7% (28.6%) Payment rate 4.0% to 9.5% (4.6%) Expected principal credit loss rate 10.5% to 41.7% (14.0%) Servicing rate 11.3% to 16.9% (11.9%) Discount rate 14.3% to 14.3% (14.3%) 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 September 30, 2020 December 31, 2019 1 2 not Liabilities – As of September 30, 2020 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 $ — $ — $ 719,620 $ 719,620 Amortizing debt facilities $ — $ — $ 26,772 $ 26,772 Notes payable to related parties $ — $ — $ — $ — Convertible senior notes $ — $ 19,965 $ — $ 24,310 Liabilities carried at fair value Notes payable associated with structured financings, at fair value $ — $ — $ 3,367 $ 3,367 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 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 third third not 9, For our material Level 3 nine September 30, 2020 2019 Notes Payable Associated with Structured Financings, at Fair Value 2020 2019 Balance at January 1, $ 3,920 $ 5,651 Total (gains) losses—realized/unrealized: Net revaluations of notes payable associated with structured financings, at fair value (553 ) (1,673 ) Repayments on outstanding notes payable, net — — Balance at September 30, $ 3,367 $ 3,978 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 September 30, 2020 December 31, 2019 Quantitative Information about Level 3 Fair Value Measurement Fair Value at September 30, 2020 (in thousands) Valuation Technique Unobservable Input Weighted Average Notes payable associated with structured financings, at fair value $ 3,367 Discounted cash flows Gross yield, net of finance charge charge-offs 25.4 % Payment rate 4.8 % Expected principal credit loss rate 7.9 % Discount rate 13.2 % 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, net of finance charge charge-offs 25.5 % Payment rate 4.0 % Expected principal credit loss rate 10.5 % Discount rate 14.3 % Other Relevant Data Other relevant data (in thousands) as of September 30, 2020 December 31, 2019 As of September 30, 2020 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 included within loans, interest and fees receivable that are reported at fair value $ 658 $ 361,839 Aggregate fair value of loans, interest and fees receivable that are reported at fair value $ 619 $ 310,165 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 $ 615 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 $ 11 $ 5,639 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 included 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 Notes Payable Notes Payable Associated with Structured Financings, at Fair Value as of September 30, 2020 Notes Payable Associated with Structured Financings, at Fair Value as of December 31, 2019 Aggregate unpaid principal balance of notes payable $ 101,314 $ 101,314 Aggregate fair value of notes payable $ 3,367 $ 3,920

Note 7 - Variable Interest Enti

Note 7 - Variable Interest Entities	9 Months Ended
	Sep. 30, 2020
Notes to Financial Statements
Variable Interest Entity Disclosure [Text Block]	7. Variable Interest Entities The Company contributes certain receivables to VIEs. These entities are sometimes established to facilitate third not The results of operations and financial position of consolidated VIEs are included in our consolidated financial statements The following table presents a summary of VIEs in which we had continuing involvement or held a variable interest (in millions): As of September 30, 2020 December 31, 2019 Unrestricted cash and cash equivalents $ 62.1 $ 78.7 Restricted cash and cash equivalents $ 17.3 $ 25.9 Loans, interest and fees receivable, at fair value $ 236.9 $ 3.9 Loans, interest and fees receivable, gross $ 574.6 $ 857.2 Allowances for uncollectible loans, interest and fees receivable $ (118.0 ) $ (168.8 ) Deferred revenue $ (10.3 ) $ (40.7 ) Total Assets held by VIEs $ 762.6 $ 756.2 Notes Payable, at face value held by VIEs $ 689.7 $ 701.1 Notes Payable, at fair value held by VIEs $ 3.4 $ 3.9 Maximum exposure to loss due to involvement with VIEs $ 687.6 $ 654.3

Note 8 - Leases

Note 8 - Leases	9 Months Ended
	Sep. 30, 2020
Notes to Financial Statements
Leases of Lessee Disclosure [Text Block]	8. Leases We have operating leases primarily associated with our corporate offices and regional service centers as well as for certain equipment. Our leases have remaining lease terms of 1 5 one For the Three Months Ended September 30, For the Nine Months Ended September 30, 2020 2019 2020 2019 Operating lease cost, gross $ 1,710 $ 1,737 $ 5,155 $ 5,173 Sublease income (1,334 ) (1,283 ) (3,901 ) (3,848 ) Net Operating lease cost $ 376 $ 454 $ 1,254 $ 1,325 Cash paid under operating leases, gross $ 2,588 $ 2,541 $ 7,689 $ 7,540 Weighted average remaining lease term - months 21 Weighted average discount rate 6.8 % As of September 30, 2020 Gross Lease Payment Payments received from Sublease Net Lease Payment 2020 (excluding the nine months ended September 30, 2020) $ 2,589 $ (1,804 ) $ 785 2021 10,311 (7,315 ) 2,996 2022 4,495 (3,112 ) 1,383 2023 207 — 207 2024 100 — 100 Thereafter 24 — 24 Total lease payments 17,726 (12,231 ) 5,495 Less imputed interest (1,845 ) Total $ 15,881 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 September 30, 2020 no one

Note 9 - Notes Payable

Note 9 - Notes Payable	9 Months Ended
	Sep. 30, 2020
Notes to Financial Statements
Debt Disclosure [Text Block]	9. Notes Payable Notes Payable Associated with Structured Financings, at Fair Value Scheduled (in millions) in the table below are ( 1 September 30, 2020 December 31, 2019 2 September 30, 2020 December 31, 2019 3 September 30, 2020 December 31, 2019 Carrying Amounts at Fair Value as of September 30, 2020 December 31, 2019 Securitization facility (stated maturity of December 2021), outstanding face amount of $101.3 million as of September 30, 2020 ($101.3 million as of December 31, 2019) bearing interest at a weighted average 5.7% interest rate, based upon LIBOR, at September 30, 2020 (6.9% at December 31, 2019), which is secured by credit card receivables and restricted cash aggregating $3.4 million as of September 30, 2020 ($3.9 million as of December 31, 2019) in carrying amount $ 3.4 $ 3.9 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 $3.4 $3.4 no September 30, 2020 . 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 September 30, 2020 December 31, 2019 As of September 30, 2020 December 31, 2019 Revolving credit facilities at a weighted average interest rate equal to 5.5% at September 30, 2020 (6.0% at December 31, 2019) secured by the financial and operating assets of CAR and/or certain receivables and restricted cash with a combined aggregate carrying amount of $664.5 million as of September 30, 2020 ($740.4 million at December 31, 2019) Revolving credit facility, not to exceed $55.0 million (expiring November 1, 2021) (1) (2) (3) $ 36.5 $ 39.1 Revolving credit facility, not to exceed $50.0 million (expiring October 30, 2022) (2) (3) (4) (5) — 40.5 Revolving credit facility, not to exceed $70.0 million (expiring February 8, 2022) (3) (4) (5) (6) 5.8 25.8 Revolving credit facility, not to exceed $100.0 million (expiring June 11, 2021) (3) (4) (5) (6) — — 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 August 15, 2022) (3) (4) (5) (6) 2.5 — 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) 200.0 200.0 Revolving credit facility, not to exceed $200.0 million (expiring May 15, 2024) (3) (4) (5) (6) 200.0 200.0 Revolving credit facility, not to exceed $15.0 million (expiring April 21, 2021) (2) (3) (4) (5) 15.0 8.6 Revolving credit facility, not to exceed $50.0 million (expiring September 19, 2021) (2) (3) (4) (5) — 15.0 Revolving credit facility, not to exceed $100.0 million (expiring January 15, 2025) (3) (4) (5) (6) 100.0 — Other facilities Other debt with a weighted annual rate equal to 2.7% 3.2 1.2 Unsecured term debt (expiring August 26, 2024) with an annual rate equal to 8.0% (3) 17.4 17.4 Amortizing debt facility (repaid in July 2020) (2) (4) (5) — 19.4 Amortizing debt facility (expiring September 30, 2021) with an annual rate equal to 4.7% (2) (3) (4) (5) 6.2 10.0 Total notes payable before unamortized debt issuance costs and discounts 753.9 758.9 Unamortized debt issuance costs and discounts (7.5 ) (9.7 ) Total notes payable outstanding $ 746.4 $ 749.2 ( 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 VIEs. ( 6 Creditors do not * As of September 30, 2020 0.15% 3.25%. In October 2015, $50.0 $0.0 September 30, 2020). 3.0%. October 30, 2022 In October 2016, $40.0 $36.5 September 30, 2020). 2.4% 3.0% October 2016, September 30, 2020 $55.0 November 1, 2021. no In December 2016, $20.0 $0.0 September 30, 2020). December 2016, July 2020 not 5.0%. In February 2017, $90.0 $70.0 $5.8 September 30, 2020) third 14.0%. February 8, 2022 may In December 2017, $15.0 $15.0 September 30, 2020). 3.5%. April 21, 2021 In 2018, two $200.0 $2.5 September 30, 2020) third 3.75% 4.875%, June 11, 2021 November 16, 2020, may In September 2018, $50.0 $0.0 September 30, 2020). 6.5%. In November 2018, $167.3 two 18 5.76%. October 2020 In June 2019, $15.0 $0.0 September 30, 2020). 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 $6.2 September 30, 2020) 4.5%. September 30, 2021 In November 2019, $200.0 three 12 18 4.91%. In July 2020, $100.0 three 18 5.47%. In October 2020, $250.0 41 18 August 2025 October 2025. 4.1%. As of September 30, 2020

Note 10 - Convertible Senior No

Note 10 - Convertible Senior Notes	9 Months Ended
	Sep. 30, 2020
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 September 30, 2020 December 31, 2019 Face amount of convertible senior notes $ 33,839 $ 33,839 Discount (9,529 ) (9,748 ) Net carrying value $ 24,310 $ 24,091 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 11 - Commitments and Conti

Note 11 - Commitments and Contingencies	9 Months Ended
	Sep. 30, 2020
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 $1.5 September 30, 2020 . 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 September 30, 2020 , $9.7 Under agreements with third $10.3 September 30, 2020 Under agreements with third September 30, 2020 , Under the account terms, consumers have the option of enrolling in a credit protection program with our lending partner which would make the minimum payments owed on their accounts for a period of up to six $23.9 September 30, 2020 ( $0.6 September 30, 2020 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 - Net Income Attributab

Note 12 - Net Income Attributable to Controlling Interests Per Common Share	9 Months Ended
	Sep. 30, 2020
Notes to Financial Statements
Earnings Per Share [Text Block]	12. Net Income Attributable to Controlling Interests Per Common Share 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 Three Months Ended For the Nine Months Ended September 30, September 30, 2020 2019 2020 2019 Numerator: Net income attributable to controlling interests $ 38,855 $ 13,077 $ 67,445 $ 24,034 Preferred stock and preferred unit dividends and accretion (4,788 ) — (12,283 ) — Net income attributable to common shareholders—basic 34,067 13,077 55,162 24,034 Effect of dilutive preferred stock dividends and accretion 604 — 1,797 — Net income attributable to common shareholders—diluted $ 34,671 $ 13,077 $ 56,959 $ 24,034 Denominator: Basic (including unvested share-based payment awards) (1) 14,523 14,596 14,462 14,526 Effect of dilutive stock compensation arrangements and exchange of preferred stock 5,625 1,067 5,515 570 Diluted (including unvested share-based payment awards) (1) 20,148 15,663 19,977 15,096 Net income attributable to common shareholders per share—basic $ 2.35 $ 0.90 $ 3.81 $ 1.65 Net income attributable to common shareholders per share—diluted $ 1.72 $ 0.83 $ 2.85 $ 1.59 ( 1 Shares related to unvested share-based payment awards included in our basic and diluted share counts were 417,483 436,414, three nine September 30, 2020 , 572,998 492,636, three nine September 30, 2019 . As their effects were anti-dilutive, we excluded stock options to purchase 0.0 0.5 three nine September 30, 2019, No three nine September 30, 2020. For the three nine September 30, 2020 2019 no $24.61 1 .4 10

Note 13 - Stock-based Compensat

Note 13 - Stock-based Compensation	9 Months Ended
	Sep. 30, 2020
Notes to Financial Statements
Share-based Payment Arrangement [Text Block]	13. Stock-Based Compensation We currently have two 2014 2014 2014 2019. 2014 2,000,000 two September 30, 2020 57,666 1,735,594 2014 Exercises and vestings under our stock-based compensation plans resulted in no three nine September 30, 2020 2019 Restricted Stock and Restricted Stock Units During the nine September 30, 2020 2019 61,373 205,000 $0.6 $0.7 $0.7 $0.7 nine September 30, 2020 2019 12 60 September 30, 2020 , $0.7 1.2 Stock Options Our Fourth Amended 2014 may may not 10 $0.1 $0.3 $0.2 $0.6 three nine September 30, 2020 2019 Number of Shares Weighted-Average Exercise Price Weighted-Average of Remaining Contractual Life (in years) Aggregate Intrinsic Value Outstanding at December 31, 2019 2,687,499 $ 3.66 Issued — $ — Exercised (148,500 ) $ 3.68 Cancelled/Forfeited — $ — Outstanding at September 30, 2020 2,538,999 $ 3.66 1.6 $ 20,933,160 Exercisable at September 30, 2020 2,011,167 $ 3.13 1.2 $ 17,628,216 We had $0.2 $0.5 September 30, 2020 December 31, 2019 ,

Significant Accounting Policies

Significant Accounting Policies (Policies)	9 Months Ended
	Sep. 30, 2020
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.
Receivable [Policy Text Block]	Loans, Interest and Fees Receivable We maintain two 90 180 30 not Loans, Interest and Fees Receivable, at Fair Value. January 1, 2020 ( Under the fair value option for both our Securitized Receivables and our Fair Value Receivables, direct loan origination fees (such as annual and merchant fees) are taken into income when billed to the consumer or upon loan acquisition and direct loan origination costs are expensed in the period incurred. The Company estimates the fair value of the loans using a discounted cash flow model, which considers various unobservable inputs such as remaining cumulative charge-offs, remaining cumulative prepayments, average life and discount rate. The Company re-evaluates the fair value of loans receivable at the close of each measurement period. Changes in fair value are recorded in "Changes in fair value of loans, interest and fees receivable recorded at fair value" in the consolidated statements of operations in the period of the fair value changes. Changes in the fair value of loans, interest and fees receivable recorded at fair value 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. Further details concerning our loans, interest and fees receivable held at fair value are presented within Note 6, Loans, Interest and Fees Receivable Gross. not $47.1 $139.7 $45.4 $138.6 three nine September 30, 2020 2019 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 that are not two may may not may A considerable amount of judgment is required to assess the ultimate amount of uncollectible loans, interest and fees receivable, and we continuously evaluate and update our methodologies to determine the most appropriate allowance necessary. We 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 on each anniversary of that date thereafter. As of September 30, 2020 December 31, 2019 $42.1 $90.3 14 11 $31.1 $48.1 September 30, 2020 December 31, 2019 As a result of the recent COVID- 19 March 13, 2020 March 22, 2020, 19 may 19. 19 not September 30, 2020, 5.2% 19. September 30, 2020, 1.4% $19.1 A roll-forward (in millions) of our allowance for uncollectible loans, interest and fees receivable by class of receivable is as follows: For the Three Months Ended September 30, 2020 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at beginning of period $ (112.5 ) $ (1.8 ) $ (43.8 ) $ (158.1 ) Provision for loan losses (14.9 ) (0.4 ) (1.7 ) (17.0 ) Charge offs 39.3 0.6 15.0 54.9 Recoveries (2.8 ) (0.3 ) (2.6 ) (5.7 ) Balance at end of period $ (90.9 ) $ (1.9 ) $ (33.1 ) $ (125.9 ) For the Nine Months Ended September 30, 2020 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at beginning of period $ (121.3 ) $ (1.6 ) $ (63.4 ) $ (186.3 ) Provision for loan losses (96.1 ) (1.8 ) (19.0 ) (116.9 ) Charge offs 134.3 2.3 62.3 198.9 Recoveries (7.8 ) (0.8 ) (13.0 ) (21.6 ) Balance at end of period $ (90.9 ) $ (1.9 ) $ (33.1 ) $ (125.9 ) As of September 30, 2020 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 ) $ (0.3 ) $ (0.7 ) Balance at end of period collectively evaluated for impairment $ (90.9 ) $ (1.5 ) $ (32.8 ) $ (125.2 ) Loans, interest and fees receivable: Loans, interest and fees receivable, gross $ 370.9 $ 90.5 $ 233.9 $ 695.3 Loans, interest and fees receivable individually evaluated for impairment $ — $ 3.3 $ 0.3 $ 3.6 Loans, interest and fees receivable collectively evaluated for impairment $ 370.9 $ 87.2 $ 233.6 $ 691.7 For the Three Months Ended September 30, 2019 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at beginning of period $ (55.3 ) $ (1.6 ) $ (43.3 ) $ (100.2 ) Provision for loan losses (41.0 ) (0.6 ) (23.9 ) (65.5 ) Charge offs 20.0 1.0 14.8 35.8 Recoveries (2.8 ) (0.4 ) (1.5 ) (4.7 ) Balance at end of period $ (79.1 ) $ (1.6 ) $ (53.9 ) $ (134.6 ) For the Nine Months Ended September 30, 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 (89.6 ) (2.6 ) (56.3 ) (148.5 ) Charge offs 49.4 3.4 49.0 101.8 Recoveries (3.5 ) (1.1 ) (4.1 ) (8.7 ) Balance at end of period $ (79.1 ) $ (1.6 ) $ (53.9 ) $ (134.6 ) 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 An aging of our delinquent loans, interest and fees receivable, gross (in millions) by class of receivable as of September 30, 2020 December 31, 2019 As of September 30, 2020 Credit Cards Auto Finance Other Unsecured Lending Products Total 30-59 days past due $ 8.3 $ 6.0 $ 5.0 $ 19.3 60-89 days past due 7.5 2.2 3.8 13.5 90 or more days past due 21.2 1.9 9.5 32.6 Delinquent loans, interest and fees receivable, gross 37.0 10.1 18.3 65.4 Current loans, interest and fees receivable, gross 333.9 80.4 215.6 629.9 Total loans, interest and fees receivable, gross $ 370.9 $ 90.5 $ 233.9 $ 695.3 Balance of loans greater than 90-days delinquent still accruing interest and fees $ — $ 1.3 $ — $ 1.3 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
Troubled Debt Restructuring [Policy Text Block]	Troubled Debt Restructurings. 90 may not one 19 six 19 30 not not not 19 The following table details by class of receivable, the number and amount of modified loans, including TDRs that have been re-aged, as of September 30, 2020 December 31, 2019 As of September 30, 2020 December 31, 2019 Point-of-sale Direct-to-consumer Point-of-sale Direct-to-consumer Number of TDRs 14,460 40,401 10,682 14,553 Number of TDRs that have been re-aged 3,046 7,789 2,788 2,854 Amount of TDRs on non-accrual status (in thousands) $ 17,243 $ 29,705 $ 14,468 $ 13,037 Amount of TDRs on non-accrual status above that have been re-aged (in thousands) $ 5,161 $ 7,040 $ 5,118 $ 3,104 Carrying value of TDRs (in thousands) $ 12,260 $ 19,701 $ 8,864 $ 7,312 TDRs - Performing (carrying value, in thousands)* $ 9,965 $ 17,941 $ 6,754 $ 6,106 TDRs - Nonperforming (carrying value, in thousands)* $ 2,295 $ 1,760 $ 2,110 $ 1,206 *“TDRs - Performing” include accounts that are current on all amounts owed, while “TDRs - Nonperforming” include all accounts with past due amounts owed. We do not The Company modified 66,667 24,831 $78.2 $36.4 twelve September 30, 2020 September 30, 2019 twelve Twelve Months Ended September 30, 2020 September 30, 2019 Point-of-sale Direct-to-consumer Point-of-sale Direct-to-consumer Number of accounts 3,820 7,986 2,597 2,689 Loan balance at time of charge off (in thousands) $ 5,333 $ 7,055 $ 4,115 $ 2,902
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
Income Tax, Policy [Policy Text Block]	Income Taxes We experienced effective tax rates of 19.6% 18.9%, three nine September 30, 2020, 21.1% 20.0%, three nine September 30, 2019. Our effective tax rates for the three nine September 30, 2020, 1 2 three nine September 30, 2020. Our effective tax rate for the three September 30, 2019, nine September 30, 2019, 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. During the three nine September 30, 2020, $0.0 $0.1 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
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 installment or auto loans that are not Fees and Related Income on Earning Assets Fees and related income on earning assets primarily include: ( 1 2 3 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 not January 1, 2020 2020. The components (in thousands) of our fees and related income on earning assets are as follows: For the Three Months Ended September 30, For the Nine Months Ended September 30, 2020 2019 2020 2019 Fees on credit products $ 35,488 $ 19,725 $ 102,532 $ 44,329 Changes in fair value of notes payable associated with structured financings recorded at fair value 73 346 553 1,673 Other 295 9 596 109 Total fees and related income on earning assets $ 35,856 $ 20,080 $ 103,681 $ 46,111 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 the three nine September 30, 2019 $26.7 $68.1 one may may Revenue from Contracts with Customers The majority of our revenue is earned from financial instruments and is not No. 2014 09, not Credit and For the Three Months Ended September 30, 2020 Other Investments Auto Finance Total Interchange revenues, net (1) $ 2,732 $ — $ 2,732 Servicing income 262 265 527 Service charges and other customer related fees 1,447 16 1,463 Total revenue from contracts with customers $ 4,441 $ 281 $ 4,722 ( 1 Credit and For the Nine Months Ended September 30, 2020 Other Investments Auto Finance Total Interchange revenues, net (1) $ 6,554 $ — $ 6,554 Servicing income 886 733 1,619 Service charges and other customer related fees 2,136 49 2,185 Total revenue from contracts with customers $ 9,576 $ 782 $ 10,358 ( 1 Credit and For the Three Months Ended September 30, 2019 Other Investments Auto Finance Total Interchange revenues, net (1) $ 2,674 $ — $ 2,674 Servicing income 144 212 356 Service charges and other customer related fees 1,085 16 1,101 Total revenue from contracts with customers $ 3,903 $ 228 $ 4,131 ( 1 Credit and For the Nine Months Ended September 30, 2019 Other Investments Auto Finance Total Interchange revenues, net (1) $ 5,514 $ — $ 5,514 Servicing income 698 719 1,417 Service charges and other customer related fees 2,193 49 2,242 Total revenue from contracts with customers $ 8,405 $ 768 $ 9,173 ( 1
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 August 2018, No. 2018 13, 820, December 15, 2019. 3 not
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 Subsequent to quarter-end, one $2.0 In October 2020, $250.0 9 We have evaluated subsequent events occurring after September 30, 2020 , not

Note 2 - Significant Accounti_2

Note 2 - Significant Accounting Policies and Consolidated Financial Statement Components (Tables)	9 Months Ended
	Sep. 30, 2020
Notes Tables
Financing Receivable, Current, Allowance for Credit Loss [Table Text Block]	For the Three Months Ended September 30, 2020 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at beginning of period $ (112.5 ) $ (1.8 ) $ (43.8 ) $ (158.1 ) Provision for loan losses (14.9 ) (0.4 ) (1.7 ) (17.0 ) Charge offs 39.3 0.6 15.0 54.9 Recoveries (2.8 ) (0.3 ) (2.6 ) (5.7 ) Balance at end of period $ (90.9 ) $ (1.9 ) $ (33.1 ) $ (125.9 ) For the Nine Months Ended September 30, 2020 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at beginning of period $ (121.3 ) $ (1.6 ) $ (63.4 ) $ (186.3 ) Provision for loan losses (96.1 ) (1.8 ) (19.0 ) (116.9 ) Charge offs 134.3 2.3 62.3 198.9 Recoveries (7.8 ) (0.8 ) (13.0 ) (21.6 ) Balance at end of period $ (90.9 ) $ (1.9 ) $ (33.1 ) $ (125.9 ) As of September 30, 2020 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 ) $ (0.3 ) $ (0.7 ) Balance at end of period collectively evaluated for impairment $ (90.9 ) $ (1.5 ) $ (32.8 ) $ (125.2 ) Loans, interest and fees receivable: Loans, interest and fees receivable, gross $ 370.9 $ 90.5 $ 233.9 $ 695.3 Loans, interest and fees receivable individually evaluated for impairment $ — $ 3.3 $ 0.3 $ 3.6 Loans, interest and fees receivable collectively evaluated for impairment $ 370.9 $ 87.2 $ 233.6 $ 691.7 For the Three Months Ended September 30, 2019 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at beginning of period $ (55.3 ) $ (1.6 ) $ (43.3 ) $ (100.2 ) Provision for loan losses (41.0 ) (0.6 ) (23.9 ) (65.5 ) Charge offs 20.0 1.0 14.8 35.8 Recoveries (2.8 ) (0.4 ) (1.5 ) (4.7 ) Balance at end of period $ (79.1 ) $ (1.6 ) $ (53.9 ) $ (134.6 ) For the Nine Months Ended September 30, 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 (89.6 ) (2.6 ) (56.3 ) (148.5 ) Charge offs 49.4 3.4 49.0 101.8 Recoveries (3.5 ) (1.1 ) (4.1 ) (8.7 ) Balance at end of period $ (79.1 ) $ (1.6 ) $ (53.9 ) $ (134.6 ) 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
Financing Receivable, Past Due [Table Text Block]	As of September 30, 2020 Credit Cards Auto Finance Other Unsecured Lending Products Total 30-59 days past due $ 8.3 $ 6.0 $ 5.0 $ 19.3 60-89 days past due 7.5 2.2 3.8 13.5 90 or more days past due 21.2 1.9 9.5 32.6 Delinquent loans, interest and fees receivable, gross 37.0 10.1 18.3 65.4 Current loans, interest and fees receivable, gross 333.9 80.4 215.6 629.9 Total loans, interest and fees receivable, gross $ 370.9 $ 90.5 $ 233.9 $ 695.3 Balance of loans greater than 90-days delinquent still accruing interest and fees $ — $ 1.3 $ — $ 1.3 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
Financing Receivable, Troubled Debt Restructuring [Table Text Block]	As of September 30, 2020 December 31, 2019 Point-of-sale Direct-to-consumer Point-of-sale Direct-to-consumer Number of TDRs 14,460 40,401 10,682 14,553 Number of TDRs that have been re-aged 3,046 7,789 2,788 2,854 Amount of TDRs on non-accrual status (in thousands) $ 17,243 $ 29,705 $ 14,468 $ 13,037 Amount of TDRs on non-accrual status above that have been re-aged (in thousands) $ 5,161 $ 7,040 $ 5,118 $ 3,104 Carrying value of TDRs (in thousands) $ 12,260 $ 19,701 $ 8,864 $ 7,312 TDRs - Performing (carrying value, in thousands)* $ 9,965 $ 17,941 $ 6,754 $ 6,106 TDRs - Nonperforming (carrying value, in thousands)* $ 2,295 $ 1,760 $ 2,110 $ 1,206 Twelve Months Ended September 30, 2020 September 30, 2019 Point-of-sale Direct-to-consumer Point-of-sale Direct-to-consumer Number of accounts 3,820 7,986 2,597 2,689 Loan balance at time of charge off (in thousands) $ 5,333 $ 7,055 $ 4,115 $ 2,902
Components of Fees and Related Income on Earning Assets [Table Text Block]	For the Three Months Ended September 30, For the Nine Months Ended September 30, 2020 2019 2020 2019 Fees on credit products $ 35,488 $ 19,725 $ 102,532 $ 44,329 Changes in fair value of notes payable associated with structured financings recorded at fair value 73 346 553 1,673 Other 295 9 596 109 Total fees and related income on earning assets $ 35,856 $ 20,080 $ 103,681 $ 46,111
Disaggregation of Revenue [Table Text Block]	Credit and For the Three Months Ended September 30, 2020 Other Investments Auto Finance Total Interchange revenues, net (1) $ 2,732 $ — $ 2,732 Servicing income 262 265 527 Service charges and other customer related fees 1,447 16 1,463 Total revenue from contracts with customers $ 4,441 $ 281 $ 4,722 Credit and For the Nine Months Ended September 30, 2020 Other Investments Auto Finance Total Interchange revenues, net (1) $ 6,554 $ — $ 6,554 Servicing income 886 733 1,619 Service charges and other customer related fees 2,136 49 2,185 Total revenue from contracts with customers $ 9,576 $ 782 $ 10,358 Credit and For the Three Months Ended September 30, 2019 Other Investments Auto Finance Total Interchange revenues, net (1) $ 2,674 $ — $ 2,674 Servicing income 144 212 356 Service charges and other customer related fees 1,085 16 1,101 Total revenue from contracts with customers $ 3,903 $ 228 $ 4,131 Credit and For the Nine Months Ended September 30, 2019 Other Investments Auto Finance Total Interchange revenues, net (1) $ 5,514 $ — $ 5,514 Servicing income 698 719 1,417 Service charges and other customer related fees 2,193 49 2,242 Total revenue from contracts with customers $ 8,405 $ 768 $ 9,173

Note 3 - Segment Reporting (Tab

Note 3 - Segment Reporting (Tables)	9 Months Ended
	Sep. 30, 2020
Notes Tables
Schedule of Segment Reporting Information, by Segment [Table Text Block]	Three Months Ended September 30, 2020 Credit and Other Investments Auto Finance Total Interest income: Consumer loans, including past due fees $ 95,593 $ 7,959 $ 103,552 Other 90 — 90 Total interest income 95,683 7,959 103,642 Interest expense (12,438 ) (240 ) (12,678 ) Net interest income before fees and related income on earning assets and provision for losses on loans, interest and fees receivable $ 83,245 $ 7,719 $ 90,964 Changes in fair value of loans, interest and fees receivable recorded at fair value $ (29,081 ) $ — $ (29,081 ) Fees and related income on earning assets $ 35,829 $ 27 $ 35,856 Servicing income $ 262 $ 265 $ 527 Equity in income of equity-method investee $ 342 $ — $ 342 Income before income taxes $ 45,803 $ 2,460 $ 48,263 Income tax expense $ (8,821 ) $ (635 ) $ (9,456 ) Nine Months Ended September 30, 2020 Credit and Other Investments Auto Finance Total Interest income: Consumer loans, including past due fees $ 282,895 $ 23,759 $ 306,654 Other 248 — 248 Total interest income 283,143 23,759 306,902 Interest expense (37,590 ) (924 ) (38,514 ) Net interest income before fees and related income on earning assets and provision for losses on loans, interest and fees receivable $ 245,553 $ 22,835 $ 268,388 Changes in fair value of loans, interest and fees receivable recorded at fair value $ (69,779 ) $ — $ (69,779 ) Fees and related income on earning assets $ 103,610 $ 71 $ 103,681 Servicing income $ 886 $ 733 $ 1,619 Equity in income of equity-method investee $ 355 $ — $ 355 Income before income taxes $ 76,794 $ 6,208 $ 83,002 Income tax expense $ (14,100 ) $ (1,616 ) $ (15,716 ) Total assets $ 960,527 $ 80,048 $ 1,040,575 Three Months Ended September 30, 2019 Credit and Other Investments Auto Finance Total Interest income: Consumer loans, including past due fees $ 62,558 $ 7,915 $ 70,473 Other 108 — 108 Total interest income 62,666 7,915 70,581 Interest expense (12,682 ) (417 ) (13,099 ) Net interest income before fees and related income on earning assets and provision for losses on loans, interest and fees receivable $ 49,984 $ 7,498 $ 57,482 Changes in fair value of loans, interest and fees receivable recorded at fair value $ 355 $ — $ 355 Fees and related income on earning assets $ 20,056 $ 24 $ 20,080 Servicing income $ 144 $ 212 $ 356 Gain on repurchase of convertible senior notes $ 5,127 $ — $ 5,127 Equity in income of equity-method investee $ 284 $ — $ 284 Income before income taxes $ 14,475 $ 2,023 $ 16,498 Income tax expense $ (3,397 ) $ (81 ) $ (3,478 ) Nine Months Ended September 30, 2019 Credit and Other Investments Auto Finance Total Interest income: Consumer loans, including past due fees $ 152,398 $ 23,556 $ 175,954 Other 286 — 286 Total interest income 152,684 23,556 176,240 Interest expense (35,034 ) (1,225 ) (36,259 ) Net interest income before fees and related income on earning assets and provision for losses on loans, interest and fees receivable $ 117,650 $ 22,331 $ 139,981 Changes in fair value of loans, interest and fees receivable recorded at fair value $ 725 $ — $ 725 Fees and related income on earning assets $ 45,975 $ 136 $ 46,111 Servicing income $ 698 $ 719 $ 1,417 Gain on repurchase of convertible senior notes $ 5,127 $ — $ 5,127 Equity in income of equity-method investee $ 736 $ — $ 736 Income before income taxes $ 24,640 $ 5,183 $ 29,823 Income tax expense $ (5,072 ) $ (894 ) $ (5,966 ) Total assets $ 712,712 $ 79,235 $ 791,947

Note 5 - Investment in Equity_2

Note 5 - Investment in Equity-method Investee (Tables)	9 Months Ended
	Sep. 30, 2020
Notes Tables
Equity Method Investments [Table Text Block]	As of September 30, 2020 December 31, 2019 Loans, interest and fees receivables, at fair value $ 2,149 $ 2,757 Total assets $ 2,265 $ 2,922 Total liabilities $ 10 $ 13 Members' capital $ 2,255 $ 2,909 Three Months Ended September 30, Nine Months Ended September 30, 2020 2019 2020 2019 Net interest income, fees and related income on earning assets $ 546 $ 426 $ 638 $ 1,106 Net income $ 513 $ 381 $ 532 $ 960 Net income attributable to our equity investment investee $ 342 $ 284 $ 355 $ 736

Note 6 - Fair Values of Asset_2

Note 6 - Fair Values of Assets and Liabilities (Tables)	9 Months Ended
	Sep. 30, 2020
Notes Tables
Fair Value, Assets Measured on Recurring Basis [Table Text Block]	Assets – As of September 30, 2020 (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 $ — $ — $ 620,027 $ 527,284 Loans, interest and fees receivable, at fair value $ — $ — $ 310,784 $ 310,784 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
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Table Text Block]	Loans, Interest and Fees Receivables, at Fair Value 2020 2019 Balance at January 1, $ 4,386 $ 6,306 Total gains—realized/unrealized: Net revaluations of loans, interest and fees receivable, at fair value (69,779 ) 725 Purchases 481,212 — Settlements (167,522 ) (2,506 ) Finance and fees 62,487 — Balance at September 30, $ 310,784 $ 4,525
Fair Value Measurement Inputs and Valuation Techniques [Table Text Block]	Fair Value Measurement Fair Value at September 30, 2020 (in thousands) Valuation Technique Unobservable Input Range (Weighted Average) Loans, interest and fees receivable, at fair value $ 310,784 Discounted cash flows Gross yield, net of finance charge charge-offs 23.7% to 55.9% (41.4%) Payment rate 4.8% to 11.8% (8.4%) Expected principal credit loss rate 6.8% to 29.6% (22.7%) Servicing rate 2.7% to 20.7% (4.2%) Discount rate 12.9% to 13.5% (13.3%) 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, net of finance charge charge-offs 25.5% to 53.7% (28.6%) Payment rate 4.0% to 9.5% (4.6%) Expected principal credit loss rate 10.5% to 41.7% (14.0%) Servicing rate 11.3% to 16.9% (11.9%) Discount rate 14.3% to 14.3% (14.3%) Fair Value Measurement Fair Value at September 30, 2020 (in thousands) Valuation Technique Unobservable Input Weighted Average Notes payable associated with structured financings, at fair value $ 3,367 Discounted cash flows Gross yield, net of finance charge charge-offs 25.4 % Payment rate 4.8 % Expected principal credit loss rate 7.9 % Discount rate 13.2 % 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, net of finance charge charge-offs 25.5 % Payment rate 4.0 % Expected principal credit loss rate 10.5 % Discount rate 14.3 %
Fair Value, Liabilities Measured on Recurring Basis [Table Text Block]	Liabilities – As of September 30, 2020 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 $ — $ — $ 719,620 $ 719,620 Amortizing debt facilities $ — $ — $ 26,772 $ 26,772 Notes payable to related parties $ — $ — $ — $ — Convertible senior notes $ — $ 19,965 $ — $ 24,310 Liabilities carried at fair value Notes payable associated with structured financings, at fair value $ — $ — $ 3,367 $ 3,367 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
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Table Text Block]	Notes Payable Associated with Structured Financings, at Fair Value 2020 2019 Balance at January 1, $ 3,920 $ 5,651 Total (gains) losses—realized/unrealized: Net revaluations of notes payable associated with structured financings, at fair value (553 ) (1,673 ) Repayments on outstanding notes payable, net — — Balance at September 30, $ 3,367 $ 3,978
Fair Value Option, Disclosures [Table Text Block]	As of September 30, 2020 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 included within loans, interest and fees receivable that are reported at fair value $ 658 $ 361,839 Aggregate fair value of loans, interest and fees receivable that are reported at fair value $ 619 $ 310,165 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 $ 615 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 $ 11 $ 5,639 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 included 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 Notes Payable Notes Payable Associated with Structured Financings, at Fair Value as of September 30, 2020 Notes Payable Associated with Structured Financings, at Fair Value as of December 31, 2019 Aggregate unpaid principal balance of notes payable $ 101,314 $ 101,314 Aggregate fair value of notes payable $ 3,367 $ 3,920

Note 7 - Variable Interest En_2

Note 7 - Variable Interest Entities (Tables)	9 Months Ended
	Sep. 30, 2020
Notes Tables
Schedule of Variable Interest Entities [Table Text Block]	As of September 30, 2020 December 31, 2019 Unrestricted cash and cash equivalents $ 62.1 $ 78.7 Restricted cash and cash equivalents $ 17.3 $ 25.9 Loans, interest and fees receivable, at fair value $ 236.9 $ 3.9 Loans, interest and fees receivable, gross $ 574.6 $ 857.2 Allowances for uncollectible loans, interest and fees receivable $ (118.0 ) $ (168.8 ) Deferred revenue $ (10.3 ) $ (40.7 ) Total Assets held by VIEs $ 762.6 $ 756.2 Notes Payable, at face value held by VIEs $ 689.7 $ 701.1 Notes Payable, at fair value held by VIEs $ 3.4 $ 3.9 Maximum exposure to loss due to involvement with VIEs $ 687.6 $ 654.3

Note 8 - Leases (Tables)

Note 8 - Leases (Tables)	9 Months Ended
	Sep. 30, 2020
Notes Tables
Lease, Cost [Table Text Block]	For the Three Months Ended September 30, For the Nine Months Ended September 30, 2020 2019 2020 2019 Operating lease cost, gross $ 1,710 $ 1,737 $ 5,155 $ 5,173 Sublease income (1,334 ) (1,283 ) (3,901 ) (3,848 ) Net Operating lease cost $ 376 $ 454 $ 1,254 $ 1,325 Cash paid under operating leases, gross $ 2,588 $ 2,541 $ 7,689 $ 7,540 Weighted average remaining lease term - months 21 Weighted average discount rate 6.8 %
Operating Lease, Liability and Payments to be Received, Maturity [Table Text Block]	Gross Lease Payment Payments received from Sublease Net Lease Payment 2020 (excluding the nine months ended September 30, 2020) $ 2,589 $ (1,804 ) $ 785 2021 10,311 (7,315 ) 2,996 2022 4,495 (3,112 ) 1,383 2023 207 — 207 2024 100 — 100 Thereafter 24 — 24 Total lease payments 17,726 (12,231 ) 5,495 Less imputed interest (1,845 ) Total $ 15,881

Note 9 - Notes Payable (Tables)

Note 9 - Notes Payable (Tables)	9 Months Ended
	Sep. 30, 2020
Notes Tables
Schedule of Debt [Table Text Block]	As of September 30, 2020 December 31, 2019 Revolving credit facilities at a weighted average interest rate equal to 5.5% at September 30, 2020 (6.0% at December 31, 2019) secured by the financial and operating assets of CAR and/or certain receivables and restricted cash with a combined aggregate carrying amount of $664.5 million as of September 30, 2020 ($740.4 million at December 31, 2019) Revolving credit facility, not to exceed $55.0 million (expiring November 1, 2021) (1) (2) (3) $ 36.5 $ 39.1 Revolving credit facility, not to exceed $50.0 million (expiring October 30, 2022) (2) (3) (4) (5) — 40.5 Revolving credit facility, not to exceed $70.0 million (expiring February 8, 2022) (3) (4) (5) (6) 5.8 25.8 Revolving credit facility, not to exceed $100.0 million (expiring June 11, 2021) (3) (4) (5) (6) — — 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 August 15, 2022) (3) (4) (5) (6) 2.5 — 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) 200.0 200.0 Revolving credit facility, not to exceed $200.0 million (expiring May 15, 2024) (3) (4) (5) (6) 200.0 200.0 Revolving credit facility, not to exceed $15.0 million (expiring April 21, 2021) (2) (3) (4) (5) 15.0 8.6 Revolving credit facility, not to exceed $50.0 million (expiring September 19, 2021) (2) (3) (4) (5) — 15.0 Revolving credit facility, not to exceed $100.0 million (expiring January 15, 2025) (3) (4) (5) (6) 100.0 — Other facilities Other debt with a weighted annual rate equal to 2.7% 3.2 1.2 Unsecured term debt (expiring August 26, 2024) with an annual rate equal to 8.0% (3) 17.4 17.4 Amortizing debt facility (repaid in July 2020) (2) (4) (5) — 19.4 Amortizing debt facility (expiring September 30, 2021) with an annual rate equal to 4.7% (2) (3) (4) (5) 6.2 10.0 Total notes payable before unamortized debt issuance costs and discounts 753.9 758.9 Unamortized debt issuance costs and discounts (7.5 ) (9.7 ) Total notes payable outstanding $ 746.4 $ 749.2
Structured Financing Notes Payable [Member]
Notes Tables
Schedule of Debt [Table Text Block]	Carrying Amounts at Fair Value as of September 30, 2020 December 31, 2019 Securitization facility (stated maturity of December 2021), outstanding face amount of $101.3 million as of September 30, 2020 ($101.3 million as of December 31, 2019) bearing interest at a weighted average 5.7% interest rate, based upon LIBOR, at September 30, 2020 (6.9% at December 31, 2019), which is secured by credit card receivables and restricted cash aggregating $3.4 million as of September 30, 2020 ($3.9 million as of December 31, 2019) in carrying amount $ 3.4 $ 3.9

Note 10 - Convertible Senior _2

Note 10 - Convertible Senior Notes (Tables)	9 Months Ended
	Sep. 30, 2020
Notes Tables
Schedule of Long-term Debt Instruments [Table Text Block]	As of September 30, 2020 December 31, 2019 Face amount of convertible senior notes $ 33,839 $ 33,839 Discount (9,529 ) (9,748 ) Net carrying value $ 24,310 $ 24,091 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 - Net Income Attribut_2

Note 12 - Net Income Attributable to Controlling Interests Per Common Share (Tables)	9 Months Ended
	Sep. 30, 2020
Notes Tables
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]	For the Three Months Ended For the Nine Months Ended September 30, September 30, 2020 2019 2020 2019 Numerator: Net income attributable to controlling interests $ 38,855 $ 13,077 $ 67,445 $ 24,034 Preferred stock and preferred unit dividends and accretion (4,788 ) — (12,283 ) — Net income attributable to common shareholders—basic 34,067 13,077 55,162 24,034 Effect of dilutive preferred stock dividends and accretion 604 — 1,797 — Net income attributable to common shareholders—diluted $ 34,671 $ 13,077 $ 56,959 $ 24,034 Denominator: Basic (including unvested share-based payment awards) (1) 14,523 14,596 14,462 14,526 Effect of dilutive stock compensation arrangements and exchange of preferred stock 5,625 1,067 5,515 570 Diluted (including unvested share-based payment awards) (1) 20,148 15,663 19,977 15,096 Net income attributable to common shareholders per share—basic $ 2.35 $ 0.90 $ 3.81 $ 1.65 Net income attributable to common shareholders per share—diluted $ 1.72 $ 0.83 $ 2.85 $ 1.59

Note 13 - Stock-based Compens_2

Note 13 - Stock-based Compensation (Tables)	9 Months Ended
	Sep. 30, 2020
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, 2019 2,687,499 $ 3.66 Issued — $ — Exercised (148,500 ) $ 3.68 Cancelled/Forfeited — $ — Outstanding at September 30, 2020 2,538,999 $ 3.66 1.6 $ 20,933,160 Exercisable at September 30, 2020 2,011,167 $ 3.13 1.2 $ 17,628,216

Note 1 - Description of Our B_2

Note 1 - Description of Our Business (Details Textual)	9 Months Ended
	Sep. 30, 2020
Number of Reportable Segments	2

Note 2 - Significant Accounti_3

Note 2 - Significant Accounting Policies and Consolidated Financial Statement Components (Details Textual) $ in Thousands	1 Months Ended									3 Months Ended			9 Months Ended		12 Months Ended
	Nov. 13, 2020USD ($)	Oct. 31, 2020USD ($)	Jul. 31, 2020USD ($)	Nov. 30, 2019USD ($)	Jun. 30, 2019USD ($)	Nov. 30, 2018USD ($)	Jul. 31, 2018USD ($)	Jun. 30, 2018USD ($)	Dec. 31, 2014USD ($)	Sep. 30, 2020USD ($)	Sep. 30, 2019USD ($)	Sep. 30, 2018USD ($)	Sep. 30, 2020USD ($)	Sep. 30, 2019USD ($)	Sep. 30, 2020USD ($)	Dec. 31, 2019USD ($)	Sep. 30, 2019USD ($)
Payments to Acquire Loans and Leases Held-for-investment, Total										$ 47,100	$ 45,400		$ 139,700	$ 138,600
Loans and Leases Receivable, Deferred Income, Total										42,120			$ 42,120		$ 42,120	$ 90,307
Weighted Average Remaining Accretion Period of Deferred Revenue (Month)													1 year 60 days			330 days
Unamortized Loan Commitment and Origination Fees and Unamortized Discounts or Premiums, Total										$ 31,100			$ 31,100		$ 31,100	$ 48,100
Percentage of Financing Receivable, Short-term Payment Deferral										5.20%			5.20%		5.20%
Percentage of Financing Receivable, Short-term Payment Deferral, Actively Enrolled										1.40%			1.40%		1.40%
Financing Receivable, Short-term Payment Deferral										$ 19,100			$ 19,100		$ 19,100
Financing Receivable, Modifications, Number of Contracts															66,667		24,831
Financing Receivable, Troubled Debt Restructuring										$ 78,200	$ 36,400		$ 78,200	$ 36,400	$ 78,200		$ 36,400
Effective Income Tax Rate Reconciliation, Percent, Total										19.60%	21.10%		18.90%	20.00%
Unrecognized Tax Benefits, Income Tax Penalties and Interest Expense, Total										$ 0			$ 100
Income Tax Settlement Amount with Taxing Authority									$ 7,400
Tax Adjustments, Settlements, and Unusual Provisions								$ 3,700
Payment of Income Tax Settlement							$ 5,400					$ 500				$ 700
Abatement Sought for Failure-to-pay Penalties										$ 900			900		$ 900
Proceeds from Issuance of Long-term Debt, Total			$ 100,000	$ 200,000	$ 200,000	$ 167,300							$ 249,353	$ 527,866
Subsequent Event [Member]
Proceeds from Dividends Received	$ 2,000
Proceeds from Issuance of Long-term Debt, Total		$ 250,000
Other Income [Member]
Reduction in Accruals											$ 26,700			$ 68,100
Minimum [Member]
Accounts Payable, Extension of Payment Terms (Month)													300 days
Maximum [Member]
Accounts Payable, Extension of Payment Terms (Month)													3 years 30 days

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	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019
Allowance for uncollectible loans, interest and fees receivable:
Balance at beginning of period	$ (158,100)	$ (100,200)	$ (186,300)	$ (79,200)
Provision for loan losses	(17,028)	(65,527)	(116,894)	(148,539)
Charge offs	54,900	35,800	198,900	101,800
Recoveries	(5,700)	(4,700)	(21,600)	(8,700)
Balance at end of period	(125,900)	(134,600)	(125,900)	(134,600)
Balance at end of period individually evaluated for impairment	(700)		(700)		$ (500)
Balance at end of period collectively evaluated for impairment	(125,200)		(125,200)		(185,800)
Loans, interest and fees receivable:
Loans, interest and fees receivable, gross	695,319		695,319		998,209
Loans, interest and fees receivable individually evaluated for impairment	3,600		3,600		2,200
Loans, interest and fees receivable collectively evaluated for impairment	691,700		691,700		996,000
Credit Card Receivable [Member]
Allowance for uncollectible loans, interest and fees receivable:
Balance at beginning of period	(112,500)	(55,300)	(121,300)	(35,400)
Provision for loan losses	(14,900)	(41,000)	(96,100)	(89,600)
Charge offs	39,300	20,000	134,300	49,400
Recoveries	(2,800)	(2,800)	(7,800)	(3,500)
Balance at end of period	(90,900)	(79,100)	(90,900)	(79,100)
Balance at end of period individually evaluated for impairment
Balance at end of period collectively evaluated for impairment	(90,900)		(90,900)		(121,300)
Loans, interest and fees receivable:
Loans, interest and fees receivable, gross	370,900		370,900		509,200
Loans, interest and fees receivable individually evaluated for impairment
Loans, interest and fees receivable collectively evaluated for impairment	370,900		370,900		509,200
Automobile Loan [Member]
Allowance for uncollectible loans, interest and fees receivable:
Balance at beginning of period	(1,800)	(1,600)	(1,600)	(1,300)
Provision for loan losses	(400)	(600)	(1,800)	(2,600)
Charge offs	600	1,000	2,300	3,400
Recoveries	(300)	(400)	(800)	(1,100)
Balance at end of period	(1,900)	(1,600)	(1,900)	(1,600)
Balance at end of period individually evaluated for impairment	(400)		(400)		(400)
Balance at end of period collectively evaluated for impairment	(1,500)		(1,500)		(1,200)
Loans, interest and fees receivable:
Loans, interest and fees receivable, gross	90,500		90,500		89,800
Loans, interest and fees receivable individually evaluated for impairment	3,300		3,300		2,100
Loans, interest and fees receivable collectively evaluated for impairment	87,200		87,200		87,700
Other Unsecured Lending Products [Member]
Allowance for uncollectible loans, interest and fees receivable:
Balance at beginning of period	(43,800)	(43,300)	(63,400)	(42,500)
Provision for loan losses	(1,700)	(23,900)	(19,000)	(56,300)
Charge offs	15,000	14,800	62,300	49,000
Recoveries	(2,600)	(1,500)	(13,000)	(4,100)
Balance at end of period	(33,100)	$ (53,900)	(33,100)	$ (53,900)
Balance at end of period individually evaluated for impairment	(300)		(300)		(100)
Balance at end of period collectively evaluated for impairment	(32,800)		(32,800)		(63,300)
Loans, interest and fees receivable:
Loans, interest and fees receivable, gross	233,900		233,900		399,200
Loans, interest and fees receivable individually evaluated for impairment	300		300		100
Loans, interest and fees receivable collectively evaluated for impairment	$ 233,600		$ 233,600		$ 399,100

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	Sep. 30, 2020	Dec. 31, 2019
Delinquent loans and fees receivable, gross	$ 65,400	$ 153,200
Current loans, interest and fees receivable, gross	629,900	845,000
Loans, interest and fees receivable, gross	695,319	998,209
Balance of loans greater than 90-days delinquent still accruing interest and fees	1,300	1,900
Financial Asset, 30 to 59 Days Past Due [Member]
Delinquent loans and fees receivable, gross	19,300	43,800
Financial Asset, 60 to 89 Days Past Due [Member]
Delinquent loans and fees receivable, gross	13,500	33,000
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Delinquent loans and fees receivable, gross	32,600	76,400
Credit Card Receivable [Member]
Delinquent loans and fees receivable, gross	37,000	86,800
Current loans, interest and fees receivable, gross	333,900	422,400
Loans, interest and fees receivable, gross	370,900	509,200
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	8,300	21,700
Credit Card Receivable [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Delinquent loans and fees receivable, gross	7,500	18,500
Credit Card Receivable [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Delinquent loans and fees receivable, gross	21,200	46,600
Automobile Loan [Member]
Delinquent loans and fees receivable, gross	10,100	13,700
Current loans, interest and fees receivable, gross	80,400	76,100
Loans, interest and fees receivable, gross	90,500	89,800
Balance of loans greater than 90-days delinquent still accruing interest and fees	1,300	1,900
Automobile Loan [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Delinquent loans and fees receivable, gross	6,000	8,100
Automobile Loan [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Delinquent loans and fees receivable, gross	2,200	3,000
Automobile Loan [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Delinquent loans and fees receivable, gross	1,900	2,600
Other Unsecured Lending Products [Member]
Delinquent loans and fees receivable, gross	18,300	52,700
Current loans, interest and fees receivable, gross	215,600	346,500
Loans, interest and fees receivable, gross	233,900	399,200
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	5,000	14,000
Other Unsecured Lending Products [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Delinquent loans and fees receivable, gross	3,800	11,500
Other Unsecured Lending Products [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Delinquent loans and fees receivable, gross	$ 9,500	$ 27,200

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
		Sep. 30, 2020USD ($)	Sep. 30, 2019USD ($)	Dec. 31, 2019USD ($)
Amount of TDRs on non-accrual status (in thousands)		$ 78,200	$ 36,400
Point-of-Sale [Member]
Number of TDRs		14,460		10,682
Amount of TDRs on non-accrual status (in thousands)		$ 17,243		$ 14,468
Carrying value of TDRs (in thousands)		$ 12,260		8,864
Number of accounts		3,820	2,597
Loan balance at time of charge off (in thousands)		$ 5,333	$ 4,115
Point-of-Sale [Member] | Performing Financial Instruments [Member]
Carrying value of TDRs (in thousands)	[1]	9,965		6,754
Point-of-Sale [Member] | Nonperforming Financial Instruments [Member]
Carrying value of TDRs (in thousands)	[1]	$ 2,295		$ 2,110
Point-of-Sale [Member] | Extended Maturity [Member]
Number of TDRs		3,046		2,788
Amount of TDRs on non-accrual status (in thousands)		$ 5,161		$ 5,118
Direct-to-Consumer [Member]
Number of TDRs		40,401		14,553
Amount of TDRs on non-accrual status (in thousands)		$ 29,705		$ 13,037
Carrying value of TDRs (in thousands)		$ 19,701		7,312
Number of accounts		7,986	2,689
Loan balance at time of charge off (in thousands)		$ 7,055	$ 2,902
Direct-to-Consumer [Member] | Performing Financial Instruments [Member]
Carrying value of TDRs (in thousands)	[1]	17,941		6,106
Direct-to-Consumer [Member] | Nonperforming Financial Instruments [Member]
Carrying value of TDRs (in thousands)	[1]	$ 1,760		$ 1,206
Direct-to-Consumer [Member] | Extended Maturity [Member]
Number of TDRs		7,789		2,854
Amount of TDRs on non-accrual status (in thousands)		$ 7,040		$ 3,104
[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	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Fees on credit products	$ 35,488	$ 19,725	$ 102,532	$ 44,329
Changes in fair value of notes payable associated with structured financings recorded at fair value	73	346	553	1,673
Other	295	9	596	109
Total fees and related income on earning assets	$ 35,856	$ 20,080	$ 103,681	$ 46,111

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		3 Months Ended		9 Months Ended
		Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Revenue from contracts with customers		$ 4,722	$ 4,131	$ 10,358	$ 9,173
Credit and Debit Card [Member]
Revenue from contracts with customers	[1]	2,732	2,674	6,554	5,514
Servicing Income [Member]
Revenue from contracts with customers		527	356	1,619	1,417
Service Charges and Other Customer Related Fees [Member]
Revenue from contracts with customers		1,463	1,101	2,185	2,242
Credit and Other Investments [Member]
Revenue from contracts with customers		4,441	3,903	9,576	8,405
Credit and Other Investments [Member] | Credit and Debit Card [Member]
Revenue from contracts with customers	[1]	2,732	2,674	6,554	5,514
Credit and Other Investments [Member] | Servicing Income [Member]
Revenue from contracts with customers		262	144	886	698
Credit and Other Investments [Member] | Service Charges and Other Customer Related Fees [Member]
Revenue from contracts with customers		1,447	1,085	2,136	2,193
Auto Finance [Member]
Revenue from contracts with customers		281	228	782	768
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		265	212	733	719
Auto Finance [Member] | Service Charges and Other Customer Related Fees [Member]
Revenue from contracts with customers		$ 16	$ 16	$ 49	$ 49
[1]	Interchange revenue is presented net of customer reward expense.

Note 3 - Segment Reporting (Det

Note 3 - Segment Reporting (Details Textual) $ in Thousands	9 Months Ended
	Sep. 30, 2020USD ($)	Dec. 31, 2019USD ($)	Sep. 30, 2019USD ($)
Number of Reportable Segments	2
Assets, Total	$ 1,040,575	$ 936,266	$ 791,947
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	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019
Consumer loans, including past due fees	$ 103,552	$ 70,473	$ 306,654	$ 175,954
Other	90	108	248	286
Total interest income	103,642	70,581	306,902	176,240
Interest expense	(12,678)	(13,099)	(38,514)	(36,259)
Net interest income before fees and related income on earning assets and provision for losses on loans, interest and fees receivable	90,964	57,482	268,388	139,981
Changes in fair value of loans, interest and fees receivable recorded at fair value	(29,081)	355	(69,779)	725
Fees and related income on earning assets	35,856	20,080	103,681	46,111
Revenue from contracts with customers	4,722	4,131	10,358	9,173
Equity in income of equity-method investee	342	284	355	736
Income before income taxes	48,263	16,498	83,002	29,823
Income tax benefit (expense)	(9,456)	(3,478)	(15,716)	(5,966)
Income tax expense	(9,456)	(3,478)	(15,716)	(5,966)
Assets, Total	1,040,575	791,947	1,040,575	791,947	$ 936,266
Gain on repurchase of convertible senior notes		5,127		5,127
Servicing Income [Member]
Revenue from contracts with customers	527	356	1,619	1,417
Credit and Other Investments [Member]
Consumer loans, including past due fees	95,593	62,558	282,895	152,398
Other	90	108	248	286
Total interest income	95,683	62,666	283,143	152,684
Interest expense	(12,438)	(12,682)	(37,590)	(35,034)
Net interest income before fees and related income on earning assets and provision for losses on loans, interest and fees receivable	83,245	49,984	245,553	117,650
Changes in fair value of loans, interest and fees receivable recorded at fair value	(29,081)	355	(69,779)	725
Fees and related income on earning assets	35,829	20,056	103,610	45,975
Revenue from contracts with customers	4,441	3,903	9,576	8,405
Equity in income of equity-method investee	342	284	355	736
Income before income taxes	45,803	14,475	76,794	24,640
Income tax benefit (expense)	(8,821)	(3,397)	(14,100)	(5,072)
Income tax expense	(8,821)	(3,397)	(14,100)	(5,072)
Assets, Total	960,527	712,712	960,527	712,712
Gain on repurchase of convertible senior notes		5,127		5,127
Credit and Other Investments [Member] | Servicing Income [Member]
Revenue from contracts with customers	262	144	886	698
Auto Finance [Member]
Consumer loans, including past due fees	7,959	7,915	23,759	23,556
Other
Total interest income	7,959	7,915	23,759	23,556
Interest expense	(240)	(417)	(924)	(1,225)
Net interest income before fees and related income on earning assets and provision for losses on loans, interest and fees receivable	7,719	7,498	22,835	22,331
Changes in fair value of loans, interest and fees receivable recorded at fair value
Fees and related income on earning assets	27	24	71	136
Revenue from contracts with customers	281	228	782	768
Equity in income of equity-method investee
Income before income taxes	2,460	2,023	6,208	5,183
Income tax benefit (expense)	(635)	(81)	(1,616)	(894)
Income tax expense	(635)	(81)	(1,616)	(894)
Assets, Total	80,048	79,235	80,048	79,235
Gain on repurchase of convertible senior notes
Auto Finance [Member] | Servicing Income [Member]
Revenue from contracts with customers	$ 265	$ 212	$ 733	$ 719

Note 4 - Shareholders' Equity_2

Note 4 - Shareholders' Equity and Preferred Stock (Details Textual) - USD ($)	Mar. 30, 2020	Dec. 27, 2019	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019	Nov. 14, 2019	Nov. 26, 2014
Stock Repurchased and Retired During Period, Shares (in shares)			48,275			200,799			133,998	271,588
Stock Repurchased and Retired During Period, Value			$ 492,000	$ 112,000	$ 559,000	$ 1,591,000	$ 238,000	$ 21,000	$ 1,163,000	$ 1,850,000
Own-share Lending Arrangement, Shares, Outstanding (in shares)			1,459,233						1,459,233		1,459,233
Class B Preferred Units [Member]
Preferred Units, Issued (in shares)												50,500,000
Preferred Unit Purchase Price (in dollars per share)												$ 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%
Additional Preferred Units Issued (in shares)	50,000,000
Series A Preferred Stock [Member]
Temporary Equity, Shares Issued (in shares)		400,000	400,000						400,000		400,000
Temporary Equity, Shares Authorized (in shares)		10,000,000	10,000,000						10,000,000		10,000,000
Temporary Equity, Shares Outstanding (in shares)		400,000	400,000						400,000		400,000
Temporary Equity, Liquidation Preference		$ 40,000,000	$ 40,000,000						$ 40,000,000
Preferred Stock, Dividend Rate, Percentage		6.00%
Temporary Equity, Redemption Price Per Share (in dollars per share)		$ 100
Temporary Equity, Conversion Price Per Share (in dollars 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)	Sep. 30, 2020
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	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018
Assets, Total	$ 1,040,575	$ 791,947	$ 1,040,575	$ 791,947			$ 936,266
Total liabilities	845,627		845,627				846,881
Members’ capital	55,673	2,282	55,673	2,282	$ 21,417	$ 2,753	335	$ (8,563)	$ (15,976)	$ (22,129)
Net income	38,807	13,020	67,286	23,857
Equity in income of equity-method investee	342	284	355	736
Equity Method Investment, Nonconsolidated Investee or Group of Investees [Member]
Loans, interest and fees receivables, at fair value	2,149		2,149				2,757
Assets, Total	2,265		2,265				2,922
Total liabilities	10		10				13
Members’ capital	2,255		2,255				$ 2,909
Net interest income, fees and related income on earning assets	546	426	638	1,106
Net income	513	381	532	960
Equity in income of equity-method investee	$ 342	$ 284	$ 355	$ 736

Note 6 - Fair Values of Asset_3

Note 6 - Fair Values of Assets and Liabilities (Details Textual)	Sep. 30, 2020
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		Sep. 30, 2020	Dec. 31, 2019
Loans, interest and fees receivable, at fair value		$ 310,784	$ 4,386
Fair Value, Recurring [Member]
Loans, interest and fees receivable, net for which it is practicable to estimate fair value	[1]	527,284	721,573
Loans, interest and fees receivable, at fair value	[1]	310,784	4,386
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]	620,027	781,208
Loans, interest and fees receivable, at fair value	[1]	$ 310,784	$ 4,386
[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	9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019
Balance	$ 4,386	$ 6,306
Net revaluations of loans, interest and fees receivable, at fair value	(69,779)	725
Purchases	481,212
Settlements	(167,522)	(2,506)
Finance and fees	62,487
Balance	$ 310,784	$ 4,525

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	Sep. 30, 2020USD ($)	Dec. 31, 2019USD ($)
Loans, interest and fees receivable, at fair value	$ 310,784	$ 4,386
Notes Payable Associated with Structured Financings, Fair Value	3,367	3,920
Valuation Technique, Discounted Cash Flow [Member]
Notes Payable Associated with Structured Financings, Fair Value	3,367	3,920
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Gross Yield [Member]
Loans, interest and fees receivable, at fair value	$ 310,784	$ 4,386
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Gross Yield [Member] | Minimum [Member]
Loans and fees receivable, measurement input	0.237	0.255
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Gross Yield [Member] | Maximum [Member]
Loans and fees receivable, measurement input	0.559	0.537
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Gross Yield [Member] | Weighted Average [Member]
Loans and fees receivable, measurement input	0.414	0.286
Notes payable associated with structured financings, measurement input	0.254	0.255
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Constant Prepayment Rate [Member] | Minimum [Member]
Loans and fees receivable, measurement input	0.048	0.04
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Constant Prepayment Rate [Member] | Maximum [Member]
Loans and fees receivable, measurement input	0.118	0.095
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Constant Prepayment Rate [Member] | Weighted Average [Member]
Loans and fees receivable, measurement input	0.084	0.046
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Prepayment Rate [Member] | Weighted Average [Member]
Notes payable associated with structured financings, measurement input	0.048	0.04
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Default Rate [Member] | Minimum [Member]
Loans and fees receivable, measurement input	0.068	0.105
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Default Rate [Member] | Maximum [Member]
Loans and fees receivable, measurement input	0.296	0.417
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Default Rate [Member] | Weighted Average [Member]
Loans and fees receivable, measurement input	0.227	0.14
Notes payable associated with structured financings, measurement input	0.079	0.105
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Servicing Rate [Member] | Minimum [Member]
Loans and fees receivable, measurement input	0.027	0.113
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Servicing Rate [Member] | Maximum [Member]
Loans and fees receivable, measurement input	0.207	0.169
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Servicing Rate [Member] | Weighted Average [Member]
Loans and fees receivable, measurement input	0.042	0.119
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Discount Rate [Member] | Minimum [Member]
Loans and fees receivable, measurement input	0.129	0.143
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Discount Rate [Member] | Maximum [Member]
Loans and fees receivable, measurement input	0.135	0.143
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Discount Rate [Member] | Weighted Average [Member]
Loans and fees receivable, measurement input	0.133	0.143
Notes payable associated with structured financings, measurement input	0.132	0.143

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	Sep. 30, 2020	Dec. 31, 2019
Revolving credit facilities	$ 719,620	$ 720,687
Amortizing debt facilities	26,772	28,522
Notes payable to related parties
Convertible senior notes	24,310	24,091
Notes Payable Associated with Structured Financings, Fair Value	3,367	3,920
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	19,965	16,920
Notes Payable Associated with Structured Financings, Fair Value
Fair Value, Inputs, Level 3 [Member]
Revolving credit facilities	719,620	720,687
Amortizing debt facilities	26,772	28,522
Notes payable to related parties
Convertible senior notes
Notes Payable Associated with Structured Financings, Fair Value	$ 3,367	$ 3,920

Note 6 - Fair Values of Asset_8

Note 6 - Fair Values of Assets and Liabilities - Reconciliation of Level 3 Liabilities (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Balance			$ 3,920	$ 5,651
Net revaluations of notes payable associated with structured financings, at fair value	$ (73)	$ (346)	(553)	(1,673)
Repayments on outstanding notes payable, net
Balance	$ 3,367	$ 3,978	$ 3,367	$ 3,978

Note 6 - Fair Values of Asset_9

Note 6 - Fair Values of Assets and Liabilities - Summary of Other Relevant Data (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Loans, interest and fees receivable, at fair value	$ 310,784	$ 4,386
Loans and Fees Receivable at Fair Value [Member]
Aggregate unpaid principal balance included within loans, interest and fees receivable that are reported at fair value	658	644
Loans, interest and fees receivable, at fair value	619	466
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	1
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	11	28
Structured Financing Notes Payable [Member]
Aggregate unpaid principal balance included within loans, interest and fees receivable that are reported at fair value	101,314	101,314
Aggregate fair value of notes payable	3,367	3,920
Loans and Fees Receivable Pledged as Collateral, Fair Value [Member]
Aggregate unpaid principal balance included within loans, interest and fees receivable that are reported at fair value	361,839	5,280
Loans, interest and fees receivable, at fair value	310,165	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)	615	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	$ 5,639	$ 185

Note 7 - Variable Interest En_3

Note 7 - Variable Interest Entities - Summary of Variable Interest Entities (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019	Sep. 30, 2019
Unrestricted cash and cash equivalents	$ 149,194	$ 135,379
Restricted cash and cash equivalents	27,681	41,015
Loans, interest and fees receivable, at fair value	310,784	4,386
Loans, interest and fees receivable, gross	695,319	998,209
Allowances for uncollectible loans, interest and fees receivable	(125,915)	(186,329)
Deferred revenue	(42,120)	(90,307)
Total Assets held by VIEs	1,040,575	936,266	$ 791,947
Notes Payable, at face value held by VIEs	746,392	749,209
Notes Payable, at fair value held by VIEs	3,367	3,920
Maximum exposure to loss due to involvement with VIEs	687,600	654,300
Variable Interest Entity, Primary Beneficiary [Member]
Unrestricted cash and cash equivalents	62,100	78,700
Restricted cash and cash equivalents	17,300	25,900
Loans, interest and fees receivable, at fair value	236,900	3,900
Loans, interest and fees receivable, gross	574,600	857,200
Allowances for uncollectible loans, interest and fees receivable	(118,000)	(168,800)
Deferred revenue	(10,300)	(40,700)
Total Assets held by VIEs	762,600	756,200
Notes Payable, at face value held by VIEs	689,700	701,100
Notes Payable, at fair value held by VIEs	$ 3,400	$ 3,900

Note 8 - Leases (Details Textua

Note 8 - Leases (Details Textual)	9 Months Ended
	Sep. 30, 2020
Operating Leases, Options to Extend for Additional Periods, Revolving Periods (Year)	1 year
Minimum [Member]
Lessee, Operating Lease, Term of Contract (Year)	1 year
Maximum [Member]
Lessee, Operating Lease, Term of Contract (Year)	5 years

Note 8 - Leases - Lease Cost (D

Note 8 - Leases - Lease Cost (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Operating lease cost, gross	$ 1,710	$ 1,737	$ 5,155	$ 5,173
Sublease income	(1,334)	(1,283)	(3,901)	(3,848)
Net Operating lease cost	376	454	1,254	1,325
Cash paid under operating leases, gross	$ 2,588	$ 2,541	$ 7,689	$ 7,540
Weighted average remaining lease term - months (Month)	1 year 270 days		1 year 270 days
Weighted average discount rate	6.80%		6.80%

Note 8 - Leases - Maturities of

Note 8 - Leases - Maturities of Lease Liabilities (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
2020 (excluding the nine months ended September 30, 2020), gross	$ 2,589
2020 (excluding the nine months ended September 30, 2020), payments received from sublease	(1,804)
2020 (excluding the nine months ended September 30, 2020), net lease	785
2021, gross	10,311
2021, payments received from sublease	(7,315)
2021, net lease payment	2,996
2022, gross	4,495
2022, payments received from sublease	(3,112)
2022, net lease payment	1,383
2023, gross	207
2023, payments received from sublease
2023, net lease payment	207
2024, gross	100
2024, payments received from sublease
2024, net lease payment	100
Thereafter, gross	24
Thereafter, payments received from sublease
Thereafter, net lease payment	24
Gross	17,726
Sublease income, payments received from sublease	(12,231)
Lease payments, net lease payment	5,495
Less imputed interest, gross	(1,845)
Less imputed interest, payments received from sublease
Less imputed interest, net
Total, net	15,881	$ 22,259
Total, payments received from sublease
Total, net

Note 9 - Notes Payable (Details

Note 9 - Notes Payable (Details Textual) - USD ($) $ in Thousands

1 Months Ended

9 Months Ended

Oct. 31, 2020

Jul. 31, 2020

Nov. 30, 2019

Jun. 30, 2019

Nov. 30, 2018

Sep. 30, 2018

Dec. 31, 2017

Dec. 31, 2016

Oct. 31, 2016

Sep. 30, 2020

Sep. 30, 2019

Dec. 31, 2019

Aug. 26, 2019

Dec. 31, 2018

Feb. 28, 2017

Oct. 31, 2015

Nov. 30, 2005

Notes Payable Associated with Structured Financings, Fair Value

$ 3,367

$ 3,920

Aggregate Exposure to Pretax Equity Loss, Structured Financing at Fair Value

0

Long-term Line of Credit, Total

719,620

720,687

Proceeds from Issuance of Long-term Debt, Total

$ 100,000

$ 200,000

$ 200,000

$ 167,300

249,353

$ 527,866

Asset Backed Securities, Term of Revolving Structure (Year)

3 years

3 years

2 years

2 years

Asset Backed Securities, Term of Revolving Structure, Subsequent Amortization Period (Month)

1 year 180 days

1 year 180 days

Asset Backed Securities, Weighted Average Interest Rate

5.47%

4.91%

5.37%

5.76%

Subsequent Event [Member]

Proceeds from Issuance of Long-term Debt, Total

$ 250,000

Asset Backed Securities, Term of Revolving Structure (Year)

3 years 150 days

Asset Backed Securities, Term of Revolving Structure, Subsequent Amortization Period (Month)

1 year 180 days

Asset Backed Securities, Weighted Average Interest Rate

4.10%

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

33,839

$ 54,400

$ 300,000

Debt Instrument, Repurchase Amount

$ 16,300

Term Note [Member]

Debt Instrument, Interest Rate, Stated Percentage

8.00%

Long-term Debt, Total

$ 17,400

Minimum [Member]

Asset Backed Securities, Term of Revolving Structure, Subsequent Amortization Period (Month)

1 year

1 year

Maximum [Member]

Asset Backed Securities, Term of Revolving Structure, Subsequent Amortization Period (Month)

1 year 180 days

1 year 180 days

Revolving Credit Facility [Member]

Line of Credit Facility, Maximum Borrowing Capacity

50,000

[1],[2],[3],[4],[5]

$ 50,000

[1],[2],[3],[4],[5]

$ 50,000

Long-term Line of Credit, Total

0

Revolving Credit Facility [Member] | Term Note [Member]

Line of Credit Facility, Maximum Borrowing Capacity

$ 30,000

Long-term Line of Credit, Total

6,200

Secured by the Financial and Operating Assets of CAR [Member]

Line of Credit Facility, Maximum Borrowing Capacity

$ 40,000

55,000

Long-term Line of Credit, Total

36,500

December 2016 Revolving Credit Facility [Member]

Line of Credit Facility, Maximum Borrowing Capacity

$ 20,000

Long-term Line of Credit, Total

0

Trust Funding Notes Facility [Member]

Line of Credit Facility, Maximum Borrowing Capacity

70,000

$ 90,000

Long-term Line of Credit, Total

5,800

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

Long-term Line of Credit, Total

15,000

Additional Trust Funding Notes Facilities [Member]

Line of Credit Facility, Maximum Borrowing Capacity

$ 200,000

Long-term Line of Credit, Total

2,500

September 2018 Revolving Credit Facility [Member]

Line of Credit Facility, Maximum Borrowing Capacity

$ 50,000

Long-term Line of Credit, Total

0

June 2019 Revolving Credit Facility [Member]

Line of Credit Facility, Maximum Borrowing Capacity

$ 15,000

Long-term Line of Credit, Total

$ 0

London Interbank Offered Rate (LIBOR) [Member]

Debt Instrument, Variable Rate

0.15%

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

3.25%

Commercial Paper Rates [Member] | Additional Trust Funding Notes Facilities [Member]

Debt Instrument, Basis Spread on Variable Rate

3.75%

[1]

As of September 30, 2020, the LIBOR rate was 0.15% and the prime rate was 3.25%.

[2]

Loans are associated with VIEs.

[3]

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.

[4]

See below for additional information.

[5]

These notes reflect modifications to either extend the maturity date, increase the loan amount or both, and are treated as accounting modifications.

Note 9 - Notes Payable - Schedu

Note 9 - Notes Payable - Schedule of Structured Financing Notes Payable (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Securitization facility (stated maturity of December 2021), outstanding face amount of $101.3 million as of September 30, 2020 ($101.3 million as of December 31, 2019) bearing interest at a weighted average 5.7% interest rate, based upon LIBOR, at September 30, 2020 (6.9% at December 31, 2019), which is secured by credit card receivables and restricted cash aggregating $3.4 million as of September 30, 2020 ($3.9 million as of December 31, 2019) in carrying amount	$ 3,367	$ 3,920
Securitization Financing Facility [Member]
Securitization facility (stated maturity of December 2021), outstanding face amount of $101.3 million as of September 30, 2020 ($101.3 million as of December 31, 2019) bearing interest at a weighted average 5.7% interest rate, based upon LIBOR, at September 30, 2020 (6.9% at December 31, 2019), which is secured by credit card receivables and restricted cash aggregating $3.4 million as of September 30, 2020 ($3.9 million as of December 31, 2019) in carrying amount	$ 3,400	$ 3,900

Note 9 - Notes Payable - Sche_2

Note 9 - Notes Payable - Schedule of Structured Financing Notes Payable (Details) (Parentheticals) - Securitization Financing Facility [Member] - USD ($) $ in Millions	9 Months Ended	12 Months Ended
	Sep. 30, 2020	Dec. 31, 2019
Amortizing securitization facility, maturity date	Dec. 31, 2021	Dec. 31, 2021
Amortizing securitization facility, outstanding face amount	$ 101.3	$ 101.3
Amortizing securitization facility, amount secured by credit card receivables and restricted cash	$ 3.4	$ 3.9
London Interbank Offered Rate (LIBOR) [Member]
Amortizing securitization facility, weighted average interest rate	5.70%	6.90%

Note 9 - Notes Payable - Sche_3

Note 9 - Notes Payable - Schedule of Notes Payable at Face Value and Notes Payable to Related Parties (Details) - USD ($) $ in Thousands		Sep. 30, 2020	Dec. 31, 2019
Revolving credit facilities		$ 719,620	$ 720,687
Amortizing debt facilities		26,772	28,522
Total notes payable before unamortized debt issuance costs and discounts	[1]	753,900	758,900
Unamortized debt issuance costs and discounts	[1]	(7,500)	(9,700)
Total notes payable outstanding	[1]	746,400	749,200
Other Secured Debt [Member]
Amortizing debt facilities	[1]	3,200	1,200
Phoenix [Member]
Unsecured term debt (expiring August 26, 2024) with an annual rate equal to 8.0% (3)	[1],[2]	17,400	17,400
Amortizing Debt Facility [Member]
Amortizing debt facilities	[1],[3],[4],[5]		19,400
Amortizing Debt Facility Two [Member]
Amortizing debt facilities	[1],[2],[3],[4],[5]	6,200	10,000
Revolving Credit Facility Expiring November 1, 2020 [Member]
Revolving credit facilities	[1],[2],[5],[6]	36,500	39,100
Revolving Credit Facility Expiring October 30, 2022 [Member]
Revolving credit facilities	[1],[2],[3],[4],[5]		40,500
Revolving Credit Facility Expiring February 8, 2022 [Member]
Revolving credit facilities	[1],[2],[3],[4],[7]	5,800	25,800
Revolving Credit Facility Expiring June 11, 2021 [Member]
Revolving credit facilities	[1],[2],[3],[4],[7]
Revolving Credit Facility Expiring July 15 2021 [Member]
Revolving credit facilities	[1],[3],[4],[5]		14,600
Revolving Credit Facility Expiring August 15, 2022 [Member]
Revolving credit facilities	[1],[2],[3],[4],[7]	2,500
Revolving Credit Facility Expiring November 15, 2023 [Member]
Revolving credit facilities	[1],[2],[3],[4],[7]	167,300	167,300
Revolving Credit Facility Expiring December 15, 2022 [Member]
Revolving credit facilities	[1],[2],[3],[4],[7]	200,000	200,000
Revolving Credit Facility Expiring May 15, 2024 [Member]
Revolving credit facilities	[1],[2],[3],[4],[7]	200,000	200,000
Revolving Credit Facility Expiring April 21, 2021 [Member]
Revolving credit facilities	[1],[2],[3],[4],[5]	15,000	8,600
Revolving Credit Facility Expiring September 19, 2021 [Member]
Revolving credit facilities	[1],[2],[3],[4],[5]		15,000
Revolving Credit Facility Expiring January 15, 2025 [Member]
Revolving credit facilities	[2],[3],[4],[7]	$ 100,000
[1]	As of September 30, 2020, the LIBOR rate was 0.15% and the prime rate was 3.25%.
[2]	See below for additional information.
[3]	Loans are associated with VIEs.
[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 - Sche_4

Note 9 - Notes Payable - Schedule of Notes Payable at Face Value and Notes Payable to Related Parties (Details) (Parentheticals) - USD ($) $ in Thousands		9 Months Ended		12 Months Ended
		Sep. 30, 2020		Dec. 31, 2019		Oct. 31, 2015
Amount of securing assets		$ 671,000		$ 740,400
Other Secured Debt [Member]
Loan, interest rate	[1]	2.70%		2.70%
Phoenix [Member]
Loan, interest rate	[1],[2]	8.00%		8.00%
Amortizing securitization facility, maturity date	[1],[2]	Aug. 26, 2024		Aug. 26, 2024
Amortizing Debt Facility [Member]
Amortizing securitization facility, maturity date	[1],[3],[4],[5]	Dec. 31, 2020		Dec. 31, 2020
Amortizing Debt Facility Two [Member]
Loan, interest rate	[1],[2],[3],[4],[5]	4.70%		4.70%
Amortizing securitization facility, maturity date		Sep. 30, 2021	[1],[2],[3],[4],[5]	Sep. 30, 2021
Revolving Credit Facility Expiring November 1, 2020 [Member]
Revolving credit facility, maximum borrowing capacity	[1],[2],[5],[6]	$ 55,000		$ 55,000
Revolving credit facility, expiration date	[1],[2],[5],[6]	Nov. 1, 2021		Nov. 1, 2021
Revolving Credit Facility Expiring October 30, 2022 [Member]
Revolving credit facility, maximum borrowing capacity	[1],[2],[3],[4],[5]	$ 50,000		$ 50,000
Revolving credit facility, expiration date	[1],[2],[3],[4],[5]	Oct. 30, 2022		Oct. 30, 2022
Revolving Credit Facility Expiring February 8, 2022 [Member]
Revolving credit facility, maximum borrowing capacity	[1],[2],[3],[4],[7]	$ 70,000		$ 70,000
Revolving credit facility, expiration date	[1],[2],[3],[4],[7]	Feb. 8, 2022		Feb. 8, 2022
Revolving Credit Facility Expiring June 11, 2021 [Member]
Revolving credit facility, maximum borrowing capacity	[1],[2],[3],[4],[7]	$ 100,000		$ 100,000
Revolving credit facility, expiration date	[1],[2],[3],[4],[7]	Jun. 11, 2021		Jun. 11, 2021
Revolving Credit Facility Expiring July 15 2021 [Member]
Revolving credit facility, maximum borrowing capacity	[1],[3],[4],[5]	$ 15,000		$ 15,000
Revolving credit facility, expiration date	[1],[3],[4],[5]	Jul. 15, 2021		Jul. 15, 2021
Revolving Credit Facility Expiring August 15, 2022 [Member]
Revolving credit facility, maximum borrowing capacity	[1],[2],[3],[4],[7]	$ 100,000		$ 100,000
Revolving credit facility, expiration date	[1],[2],[3],[4],[7]	Aug. 15, 2022		Aug. 15, 2022
Revolving Credit Facility Expiring November 15, 2023 [Member]
Revolving credit facility, maximum borrowing capacity	[1],[2],[3],[4],[7]	$ 167,300		$ 167,300
Revolving credit facility, expiration date	[1],[2],[3],[4],[7]	Nov. 15, 2023		Nov. 15, 2023
Revolving Credit Facility Expiring December 15, 2022 [Member]
Revolving credit facility, maximum borrowing capacity	[1],[2],[3],[4],[7]	$ 200,000		$ 200,000
Revolving credit facility, expiration date	[1],[2],[3],[4],[7]	Dec. 15, 2022		Dec. 15, 2022
Revolving Credit Facility Expiring May 15, 2024 [Member]
Revolving credit facility, maximum borrowing capacity	[1],[2],[3],[4],[7]	$ 200,000		$ 200,000
Revolving credit facility, expiration date	[1],[2],[3],[4],[7]	May 15, 2024		May 15, 2024
Revolving Credit Facility Expiring April 21, 2021 [Member]
Revolving credit facility, maximum borrowing capacity	[1],[2],[3],[4],[5]	$ 15,000		$ 15,000
Revolving credit facility, expiration date	[1],[2],[3],[4],[5]	Apr. 21, 2021		Apr. 21, 2021
Revolving Credit Facility [Member]
Revolving credit facility, maximum borrowing capacity		$ 50,000	[1],[2],[3],[4],[5]	$ 50,000	[1],[2],[3],[4],[5]	$ 50,000
Revolving credit facility, expiration date	[1],[2],[3],[4],[5]	Sep. 19, 2021		Sep. 19, 2021
Amortizing securitization facility, weighted average interest rate		5.50%
Revolving Credit Facility Expiring September 19, 2021 [Member]
Amortizing securitization facility, weighted average interest rate				6.00%
Revolving Credit Facility Expiring January 15, 2025 [Member]
Revolving credit facility, maximum borrowing capacity		$ 100,000		$ 100,000
Revolving credit facility, expiration date		Jan. 15, 2025		Jan. 15, 2025
[1]	As of September 30, 2020, the LIBOR rate was 0.15% and the prime rate was 3.25%.
[2]	See below for additional information.
[3]	Loans are associated with VIEs.
[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) - USD ($) $ in Thousands	Aug. 26, 2019	Nov. 30, 2005	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019
Gain (Loss) on Repurchase of Debt Instrument				$ 5,127		$ 5,127
Term Note [Member]
Debt Instrument, Interest Rate, Stated Percentage	8.00%
Debt Instrument, Maturity Date		Nov. 30, 2035
Long-term Debt, Total	$ 17,400
Five Point Eight Seven Five Percent Convertible Senior Notes Due Two Thousand Thirty Five [Member] | Convertible Debt [Member]
Debt Instrument, Face Amount	54,400	$ 300,000	$ 33,839		$ 33,839		$ 33,839
Debt Instrument, Interest Rate, Stated Percentage		5.875%
Debt Instrument, Repurchase Amount	16,300
Gain (Loss) on Repurchase of Debt Instrument	$ 5,100

Note 10 - Convertible Senior _4

Note 10 - Convertible Senior Notes - Summary of Convertible Senior Notes (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2020	Dec. 31, 2019	Aug. 26, 2019	Nov. 30, 2005
Net carrying value	$ 24,310	$ 24,091
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	33,839	$ 54,400	$ 300,000
Discount	(9,529)	(9,748)
Net carrying value	24,310	24,091
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 11 - Commitments and Con_2

Note 11 - Commitments and Contingencies (Details Textual) $ in Millions	Sep. 30, 2020USD ($)
Pledged Assets, Other, Not Separately Reported on Statement of Financial Position, Total	$ 10.3
Unfunded Individual Credit Commitment [Member]
Other Commitment, Total	1,500
Unfunded Outstanding Floor-Plan Financing Commitment [Member]
Other Commitment, Total	9.7
Credit Protection Program [Member]
Loss Contingency, Estimate of Possible Loss	23.9
Loss Contingency Accrual, Ending Balance	$ 0.6

Note 12 - Net Income Attribut_3

Note 12 - Net Income Attributable to Controlling Interests Per Common Share (Details Textual) xbrli-pure in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2020$ / sharesshares	Sep. 30, 2019shares	Sep. 30, 2020$ / sharesshares	Sep. 30, 2019shares
Weighted Average Number of Shares, Restricted Stock (in shares)	417,483	572,998	436,414	492,636
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount (in shares)	0	0	0	500,000
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 (in shares)	0	0	0	0
Debt Instrument, Convertible, Conversion Price (in dollars per share) | $ / shares	$ 24.61		$ 24.61
Debt Instrument, Convertible, Number of Equity Instruments			1.4

Note 12 - Net Income Attribut_4

Note 12 - Net Income Attributable to Controlling Interests Per Common Share - Summary of Earning Per Share (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands		3 Months Ended		9 Months Ended
		Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Net income attributable to controlling interests		$ 38,855	$ 13,077	$ 67,445	$ 24,034
Preferred stock and preferred unit dividends and accretion		(4,788)		(12,283)
Net income attributable to common shareholders—basic		34,067	13,077	55,162	24,034
Effect of dilutive preferred stock dividends and accretion		604		1,797
Net income attributable to common shareholders—diluted		$ 34,671	$ 13,077	$ 56,959	$ 24,034
Basic (including unvested share-based payment awards) (1) (in shares)	[1]	14,523	14,596	14,462	14,526
Effect of dilutive stock compensation arrangements and exchange of preferred stock (in shares)		5,625	1,067	5,515	570
Diluted (including unvested share-based payment awards) (1) (in shares)	[1]	20,148	15,663	19,977	15,096
Net income attributable to common shareholders per common share—basic (in dollars per share)		$ 2.35	$ 0.90	$ 3.81	$ 1.65
Net income attributable to common shareholders per common share—diluted (in dollars per share)		$ 1.72	$ 0.83	$ 2.85	$ 1.59
[1]	Shares related to unvested share-based payment awards included in our basic and diluted share counts were 417,483 and 436,414, respectively, for the three and nine months ended September 30, 2020, compared to 572,998 and 492,636, respectively, for the three and nine months ended September 30, 2019.

Note 13 - Stock-based Compens_3

Note 13 - Stock-based Compensation (Details Textual) - USD ($) $ in Thousands	May 09, 2019	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019
Adjustment to Additional Paid in Capital, Income Tax Effect from Share-based Compensation, Net, Total		$ 0	$ 0	$ 0	$ 0
Share-based Payment Arrangement, Nonvested Award, Option, Cost Not yet Recognized, Amount		200		$ 200		$ 500
Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period (in shares)				61,373	205,000
Share-based Payment Arrangement, Expensed and Capitalized, Amount, Total				$ 600	$ 700
Share-based Payment Arrangement, Expense				700	700
Share-based Payment Arrangement, Nonvested Award, Excluding Option, Cost Not yet Recognized, Amount		700		$ 700
Share-based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Period for Recognition (Year)				1 year 73 days
Restricted Stock [Member] | Minimum [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period (Month)				1 year
Restricted Stock [Member] | Maximum [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period (Month)				5 years
Share-based Payment Arrangement, Option [Member]
Share-based Payment Arrangement, Expense		$ 100	$ 200	$ 300	$ 600
Share-based Compensation Arrangement by Share-based Payment Award, Expiration Period (Year)				10 years
The Fourth Amended 2014 Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Number of Additional Shares Authorized (in shares)	2,000,000
Share-based Compensation Arrangement by Share-based Payment Award, Expiration Period Extension (Year)	2 years
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant (in shares)		1,735,594		1,735,594
Employee Stock Purchase Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant (in shares)		57,666		57,666

Note 13 - Stock-based Compens_4

Note 13 - Stock-based Compensation - Summary of Outstanding Options (Details) - USD ($)	9 Months Ended
	Sep. 30, 2020
Outstanding (in shares)	2,687,499
Outstanding, weighted average exercise price (in dollars per share)	$ 3.66
Issued (in shares)
Issued, weighted average exercise price (in dollars per share)
Exercised (in shares)	(148,500)
Exercised, weighted average exercise price (in dollars per share)	$ 3.68
Cancelled/Forfeited (in shares)
Cancelled/Forfeited, weighted average exercise price (in dollars per share)
Outstanding (in shares)	2,538,999
Outstanding, weighted average exercise price (in dollars per share)	$ 3.66
Outstanding, weighted average remaining contractual life (Year)	1 year 219 days
Outstanding, aggregate intrinsic value	$ 20,933,160
Exercisable (in shares)	2,011,167
Exercisable, weighted average exercise price (in dollars per share)	$ 3.13
Exercisable, weighted average remaining contractual life (Year)	1 year 73 days
Exercisable, aggregate intrinsic value	$ 17,628,216