Atlanticus (ATLC) 10-K 31 Mar 21 2020 FY Annual report Financial data

Document And Entity Information

Document And Entity Information - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2020	Mar. 18, 2021	Jun. 30, 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 Voluntary Filers	No
Entity Well-known Seasoned Issuer	No
Entity Emerging Growth Company	false
Entity Small Business	true
Entity Interactive Data Current	Yes
Entity Common Stock, Shares Outstanding (in shares)		16,419,886
Entity Public Float			$ 68.9
Entity Shell Company	false
Document Type	10-K
Document Period End Date	Dec. 31, 2020
Document Fiscal Year Focus	2020
Document Fiscal Period Focus	FY
Amendment Flag	false
Title of 12(b) Security	Common stock, no par value per share

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Assets
Unrestricted cash and cash equivalents	$ 178,102	$ 135,379
Restricted cash and cash equivalents	80,859	41,015
Loans, interest and fees receivable:
Loans, interest and fees receivable, at fair value	417,098	4,386
Loans, interest and fees receivable, gross	667,556	998,209
Allowances for uncollectible loans, interest and fees receivable (including $120.9 million and $168.8 million associated with variable interest entities at December 31, 2020 and December 31, 2019, respectively)	(124,961)	(186,329)
Deferred revenue (including $10.3 million and $40.7 million associated with variable interest entities at December 31, 2020 and December 31, 2019, respectively)	(39,456)	(90,307)
Net loans, interest and fees receivable	920,237	725,959
Property at cost, net of depreciation	2,240	2,738
Investments in equity-method investee	1,415	1,957
Operating lease right-of-use assets	9,181	14,091
Prepaid expenses and other assets	15,180	15,127
Total assets	1,207,214	936,266
Liabilities
Accounts payable and accrued expenses	41,731	41,617
Operating lease liabilities	13,776	22,259
Notes Payable, net held by VIEs	882,610	749,209
Notes payable associated with structured financings, at fair value (associated with variable interest entities)	2,919	3,920
Convertible senior notes	24,386	24,091
Income tax liability	25,932	5,785
Total liabilities	991,354	846,881
Commitments and contingencies (Note 11)
Shareholders' Equity
Common stock, no par value, 150,000,000 shares authorized: 16,115,353 shares issued and outstanding (including 1,459,233 loaned shares to be returned) at December 31, 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	194,950	212,692
Accumulated other comprehensive income
Retained deficit	(117,666)	(211,786)
Total shareholders’ equity	77,284	906
Noncontrolling interests	(774)	(571)
Total equity	76,510	335
Total liabilities, preferred stock and shareholders' equity	1,207,214	936,266
Series A Preferred Stock [Member]
Liabilities
Preferred stock	40,000	40,000
Series B Preferred Stock [Member]
Liabilities
Preferred stock	$ 99,350	$ 49,050

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parentheticals) - USD ($) $ / shares in Thousands	Dec. 31, 2020	Dec. 31, 2019
Unrestricted cash and cash equivalents	$ 178,102,000	$ 135,379,000
Restricted cash and cash equivalents	80,859,000	41,015,000
Loans, interest and fees receivable, at fair value	417,098,000	4,386,000
Loans, interest and fees receivable, gross	667,556,000	998,209,000
Allowances for uncollectible loans, interest and fees receivable	124,961,000	186,329,000
Deferred revenue	39,456,000	90,307,000
Notes payable, at face value	$ 882,610,000	$ 749,209,000
Preferred stock, par value (in dollars per share)	$ 0	$ 0
Preferred stock, shares authorized (in shares)	10,000,000	10,000,000
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)	16,115,353	15,885,314
Common stock, outstanding (in shares)	16,115,353	15,885,314
Own-share lending arrangement, outstanding (in shares)	1,459,233	1,459,233
Series A Preferred Stock [Member]
Preferred stock, liquidation preference	$ 40,000,000
Preferred stock, shares issued (in shares)	400,000	400,000
Preferred stock, shares outstanding (in shares)	400,000	400,000
Variable Interest Entity, Primary Beneficiary [Member]
Unrestricted cash and cash equivalents	$ 96,600,000	$ 78,700,000
Restricted cash and cash equivalents	70,200,000	25,900,000
Loans, interest and fees receivable, at fair value	374,200,000	3,900,000
Loans, interest and fees receivable, gross	560,200,000	857,200,000
Allowances for uncollectible loans, interest and fees receivable	120,900,000	168,800,000
Deferred revenue	10,300,000	40,700,000
Notes payable, at face value	$ 827,100,000	$ 691,500,000

Consolidated Statements of Oper

Consolidated Statements of Operations - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Revenue:
Consumer loans, including past due fees	$ 410,616	$ 261,218
Fees and related income on earning assets	133,960	68,639
Other revenue	15,431	13,754
Total operating revenue	560,007	343,611
Other non-operating revenue	3,403	111,589
Total revenue	563,410	455,200
Interest expense	(51,548)	(50,730)
Provision for losses on loans, interest and fees receivable recorded at net realizable value	(142,719)	(248,383)
Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value	(108,548)	2,085
Net margin	260,595	158,172
Operating expense:
Salaries and benefits	29,079	26,229
Card and loan servicing	63,047	49,459
Marketing and solicitation	35,012	36,388
Depreciation	1,247	1,137
Other	17,819	13,196
Total operating expense	146,204	126,409
Income before income taxes	114,391	31,763
Income tax expense	(20,474)	(5,553)
Net income	93,917	26,210
Net loss attributable to noncontrolling interests	203	233
Net income attributable to controlling interests	94,120	26,443
Preferred dividends and discount accretion	(17,070)	(1,153)
Net income attributable to common shareholders	$ 77,050	$ 25,290
Net income attributable to common shareholders per common share—basic (in dollars per share)	$ 5.32	$ 1.74
Net income attributable to common shareholders per common share—diluted (in dollars per share)	$ 3.95	$ 1.66

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Net income	$ 93,917	$ 26,210
Other comprehensive income (loss):
Foreign currency translation adjustment		2,282
Reclassifications of foreign currency translation gains to Operating expense on the consolidated statements of operations		(5,840)
Comprehensive income	93,917	22,652
Comprehensive loss attributable to noncontrolling interests	203	233
Comprehensive income attributable to controlling interests	94,120	22,885
Comprehensive income attributable to controlling interests to common shareholders	$ 77,050	$ 21,732

Consolidated Statements of Shar

Consolidated Statements of Shareholders' Equity (Deficit) - 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)
Accretion of discount associated with issuance of subsidiary equity										(50,000)				50,000		(50,000)
Preferred dividends										(1,103,000)						(1,103,000)
Stock option exercises and proceeds related thereto (in shares)									469,701
Stock option exercises and proceeds related thereto										1,215,000						1,215,000
Compensatory stock issuances, net of forfeitures (in shares)									209,500
Compensatory stock issuances, net of forfeitures
Contributions by preferred shareholders														50,500,000	40,000,000
Costs associated with contributions by preferred shareholders														(1,500,000)
Deferred stock-based compensation costs										1,712,000						$ 1,712,000
Redemption and retirement of shares (in shares)									(357,461)							(357,461)
Redemption and retirement of shares										(2,517,000)						$ (2,517,000)
Comprehensive income (loss)											(3,558,000)	26,443,000	(233,000)			22,652,000
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										(300,000)				300,000		(300,000)
Preferred dividends										(16,770,000)						$ (16,770,000)
Stock option exercises and proceeds related thereto (in shares)									407,533							407,533
Stock option exercises and proceeds related thereto										1,326,000						$ 1,326,000
Compensatory stock issuances, net of forfeitures (in shares)									68,040
Compensatory stock issuances, net of forfeitures
Contributions by preferred shareholders														50,000,000
Deferred stock-based compensation costs										1,355,000						$ 1,355,000
Redemption and retirement of shares (in shares)									(245,534)							(245,534)
Redemption and retirement of shares										(3,353,000)						$ (3,353,000)
Comprehensive income (loss)												94,120,000	(203,000)			93,917,000
Balance (in shares) at Dec. 31, 2020									16,115,353
Balance at Dec. 31, 2020										$ 194,950,000		$ (117,666,000)	$ (774,000)	$ 99,350,000	$ 40,000,000	$ 76,510,000

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Operating activities
Net income	$ 93,917	$ 26,210
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation, amortization and accretion, net	7,952	7,693
Provision for losses on loans, interest and fees receivable	142,719	248,383
Interest expense from accretion of discount on notes	585	818
Income from accretion of merchant fees and discount associated with receivables purchases	(110,402)	(116,252)
Unrealized losses (gains) on loans, interest and fees receivable and underlying notes payable held at fair value	108,548	(2,085)
Amortization of deferred loan costs	5,137	3,518
Income from equity-method investments	(456)	(1,001)
Gain on repurchase of convertible senior notes		(5,127)
Deferred stock-based compensation costs	1,355	1,712
Lease liability payments	(10,278)	(10,080)
Changes in assets and liabilities:
(Increase) decrease in uncollected fees on earning assets	(43,319)	1,765
Increase in income tax liability	20,147	5,533
Decrease in deposits		20
Decrease in accounts payable and accrued expenses	(3,096)	(52,720)
Other	(75)	(8,424)
Net cash provided by operating activities	212,734	99,963
Investing activities
Proceeds from equity-method investee	998	1,520
Proceeds from recoveries on charged off receivables	13,781	3,019
Investments in earning assets	(1,330,980)	(1,098,764)
Proceeds from earning assets	1,024,375	660,786
Purchases and development of property, net of disposals	(749)	(250)
Net cash used in investing activities	(292,575)	(433,689)
Financing activities
Noncontrolling interests contributions	50,000	50,500
Issuance costs for nonontrolling interests		(1,500)
Proceeds from issuance of preferred units		40,000
Preferred dividends	(13,561)
Proceeds from exercise of stock options	1,326	1,215
Purchase and retirement of outstanding stock	(3,353)	(2,517)
Proceeds from borrowings	588,229	873,340
Repayment of borrowings	(460,256)	(592,318)
Net cash provided by financing activities	162,385	368,720
Effect of exchange rate changes on cash	23	(354)
Net increase in cash and cash equivalents	82,567	34,640
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	258,961	176,394
Supplemental cash flow information
Cash paid for interest	46,526	46,302
Net cash income tax payments	327	20
Change in accrued and unpaid preferred dividends	$ 3,209	$ 1,103

Note 1 - Description of Our Bus

Note 1 - Description of Our Business	12 Months Ended
	Dec. 31, 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 and healthcare point-of-sale (collectively "point-of-sale"), direct mail solicitation, digital marketing and through partner relationships. In the point-of-sale 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 December 27, 2020, 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	12 Months Ended
	Dec. 31, 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 (and changes thereon) of our Loans, interest and fees receivables, at fair value and Notes payable associated with structured financings recorded at fair value on our consolidated balance sheets and 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. Certain prior year amounts on our consolidated statements of operations have been reclassified for consistency with the current year presentation. These reclassifications had no We have eliminated all significant intercompany balances and transactions for financial reporting purposes. Unrestricted Cash and Cash Equivalents Unrestricted cash and cash equivalents consist of cash, money market investments and overnight deposits. We consider all highly liquid cash investments with low interest rate risk and original maturities of three not Restricted Cash Restricted cash as of December 31, 2020 2019 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 the fair value of loans, interest and fees receivable are recorded as a component of "Changes in 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 $185.0 $182.9 December 31, 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 December 31, 2020 December 31, 2019, $39.5 $90.3 14 11 $28.2 $48.1 December 31, 2020 December 31, 2019, As a result of the recent COVID- 19 March 13, 2020 March 22, 2020, 19 19 may 19. 19 19 not December 31, 2020, 5.6% 19 December 31, 2020, 1.7% $28.3 A roll-forward (in millions) of our allowance for uncollectible loans, interest and fees receivable by class of receivable is as follows: For the Year Ended December 31, 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 (112.1 ) (2.0 ) (28.6 ) (142.7 ) Charge offs 155.1 3.0 72.1 230.2 Recoveries (9.9 ) (1.1 ) (15.2 ) (26.2 ) Balance at end of period $ (88.2 ) $ (1.7 ) $ (35.1 ) $ (125.0 ) As of December 31, 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 $ — $ (0.3 ) $ — $ (0.3 ) Balance at end of period collectively evaluated for impairment $ (88.2 ) $ (1.4 ) $ (35.1 ) $ (124.7 ) Loans, interest and fees receivable: Loans, interest and fees receivable, gross $ 364.2 $ 93.2 $ 210.2 $ 667.6 Loans, interest and fees receivable individually evaluated for impairment $ — $ 2.3 $ — $ 2.3 Loans, interest and fees receivable collectively evaluated for impairment $ 364.2 $ 90.9 $ 210.2 $ 665.3 For the Year Ended December 31, 2019 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at beginning of period $ (35.4 ) $ (1.3 ) $ (42.5 ) $ (79.2 ) Provision for loan losses (161.5 ) (3.5 ) (83.4 ) (248.4 ) Charge offs 80.2 4.6 68.1 152.9 Recoveries (4.6 ) (1.4 ) (5.6 ) (11.6 ) Balance at end of period $ (121.3 ) $ (1.6 ) $ (63.4 ) $ (186.3 ) As of December 31, 2019 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at end of period individually evaluated for impairment $ — $ (0.4 ) $ (0.1 ) $ (0.5 ) Balance at end of period collectively evaluated for impairment $ (121.3 ) $ (1.2 ) $ (63.3 ) $ (185.8 ) Loans, interest and fees receivable: Loans, interest and fees receivable, gross $ 509.2 $ 89.8 $ 399.2 $ 998.2 Loans, interest and fees receivable individually evaluated for impairment $ — $ 2.1 $ 0.1 $ 2.2 Loans, interest and fees receivable collectively evaluated for impairment $ 509.2 $ 87.7 $ 399.1 $ 996.0 Delinquent loans, interest and fees receivable reflect the principal, fee and interest components of loans we did not not Recoveries, noted above, consist of amounts received from the efforts of third third December 31, 2020, $12.4 $13.8 third third We consider loan delinquencies a key indicator of credit quality because this measure provides the best ongoing estimate of how a particular class of receivables is performing. An aging of our delinquent loans, interest and fees receivable, gross (in millions) by class of receivable as of December 31, 2020 December 31, 2019 As of December 31, 2020 Credit Cards Auto Finance Other Unsecured Lending Products Total 30-59 days past due $ 12.4 $ 7.6 $ 5.1 $ 25.1 60-89 days past due 8.0 2.8 3.8 14.6 90 or more days past due 19.9 2.1 9.5 31.5 Delinquent loans, interest and fees receivable, gross 40.3 12.5 18.4 71.2 Current loans, interest and fees receivable, gross 323.9 80.7 191.8 596.4 Total loans, interest and fees receivable, gross $ 364.2 $ 93.2 $ 210.2 $ 667.6 Balance of loans greater than 90-days delinquent still accruing interest and fees $ — $ 1.5 $ — $ 1.5 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 December 31, 2020 December 31, 2019 As of December 31, 2020 December 31, 2019 Point-of-sale Direct-to-consumer Point-of-sale Direct-to-consumer Number of TDRs 12,394 37,784 10,682 14,553 Number of TDRs that have been re-aged 2,788 7,846 2,788 2,854 Amount of TDRs on non-accrual status (in thousands) $ 14,537 $ 26,989 $ 14,468 $ 13,037 Amount of TDRs on non-accrual status above that have been re-aged (in thousands) $ 4,662 $ 6,890 $ 5,118 $ 3,104 Carrying value of TDRs (in thousands) $ 9,583 $ 14,287 $ 8,864 $ 7,312 TDRs - Performing (carrying value, in thousands)* $ 7,420 $ 11,855 $ 6,754 $ 6,106 TDRs - Nonperforming (carrying value, in thousands)* $ 2,163 $ 2,432 $ 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 60,908 31,409 $70.3 $43.3 twelve December 31, 2020 December 31, 2019 twelve Twelve Months Ended December 31, 2020 December 31, 2019 Point-of-sale Direct-to-consumer Point-of-sale Direct-to-consumer Number of accounts 3,065 7,665 2,835 3,339 Loan balance at time of charge off (in thousands) $ 4,352 $ 6,745 $ 4,397 $ 3,545 Property at Cost, Net of Depreciation We capitalize costs related to internal development and implementation of software used in our operating activities in accordance with applicable accounting literature. These capitalized costs consist almost exclusively of fees paid to third We record our property at cost less accumulated depreciation or amortization. We compute depreciation expense using the straight-line method over the estimated useful lives of our assets, which are approximately 5 3 We periodically review our property to determine if it is impaired. We incurred no 2020 no 2019 Investment in Equity-Method Investee We account for an investment using the equity method of accounting if we have the ability to exercise significant influence, but not We use the equity method for our 66.7% 2004 not We evaluate our investments in the equity-method investee for impairment each quarter by comparing the carrying amount of the investment to its fair value. Because no Prepaid Expenses and Other Assets Prepaid expenses and other assets include amounts paid to third third 1 2 3 Accounts Payable and Accrued Expenses Accounts payable and accrued expenses reflect both the billed and unbilled amounts owed at the end of a period for services rendered. Commencing in July 2019, third 10 37 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 fees associated with the credit products, including the receivables underlying our U.S. point-of-sale finance and direct-to-consumer platform, and our legacy credit card receivables which include the recognition of annual fee billings and cash advance fees among others. 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 January 1, 2020 2020. Other revenue Other revenue includes revenues associated with ancillary product offerings, interchange revenues and servicing income. We recognize these fees as income in the period earned. Other non-operating revenue Other non-operating revenue includes revenues associated with investments in equity method investees and other revenues not 2019 $105.9 one December 31, 2020, $2.0 Revenue from Contracts with Customers The majority of our revenue is earned from financial instruments and is not No. 2014 09, None Credit and For the Year Ended December 31, 2020 Other Investments Auto Finance Total Interchange revenues, net (1) $ 9,500 $ — $ 9,500 Servicing income 1,187 994 2,181 Service charges and other customer related fees 3,685 65 3,750 Total revenue from contracts with customers $ 14,372 $ 1,059 $ 15,431 ( 1 Credit and For the Year Ended December 31, 2019 Other Investments Auto Finance Total Interchange revenues, net (1) $ 8,495 $ — $ 8,495 Servicing income 857 929 1,786 Service charges and other customer related fees 3,407 66 3,473 Total revenue from contracts with customers $ 12,759 $ 995 $ 13,754 ( 1 Card and Loan Servicing Expenses Card and loan servicing costs primarily include collections and customer service expenses. Within this category of expenses are personnel, service bureau, cardholder correspondence and other direct costs associated with our collections and customer service efforts. Card and loan servicing costs also include outsourced collections and customer service expenses. We expense card and loan servicing costs as we incur them, with the exception of prepaid costs, which we expense over respective service periods. Marketing and Solicitation Expenses We expense product solicitation costs, including printing, credit bureaus, list processing, telemarketing, postage, and internet marketing fees, as we incur these costs or expend resources. Recent Accounting Pronouncements In June 2016, 2016 13, 2018 19, 2019 04, 2019 10 2019 11 May 2019 2019 05 326 20, first 2016 13 2019 05 December 15, 2019, December 15, 2022 In 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 December 31, 2020 , not On March 11, 2021, $1.9

Note 3 - Segment Reporting

Note 3 - Segment Reporting	12 Months Ended
	Dec. 31, 2020
Notes to Financial Statements
Segment Reporting Disclosure [Text Block]	3. Segment Reporting We operate primarily within one two two As of both December 31, 2020 December 31, 2019 not December 31, 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: Year Ended December 31, 2020 Credit and Other Investments Auto Finance Total Revenue: Consumer loans, including past due fees $ 378,817 $ 31,799 $ 410,616 Fees and related income on earning assets 133,891 69 133,960 Other revenue 14,372 1,059 15,431 Other non-operating revenue 3,360 43 3,403 Total revenue 530,440 32,970 563,410 Interest expense (50,387 ) (1,161 ) (51,548 ) Provision for losses on loans, interest and fees receivable recorded at net realizable value (140,683 ) (2,036 ) (142,719 ) Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value (108,548 ) — (108,548 ) Net margin $ 230,822 $ 29,773 $ 260,595 Income before income taxes $ 105,429 $ 8,962 $ 114,391 Income tax expense $ (18,257 ) $ (2,217 ) $ (20,474 ) Total assets $ 1,124,618 $ 82,596 $ 1,207,214 Year Ended December 31, 2019 Credit and Other Investments Auto Finance Total Revenue: Consumer loans, including past due fees $ 229,774 $ 31,444 $ 261,218 Fees and related income on earning assets 68,558 81 68,639 Other revenue 12,759 995 13,754 Other non-operating revenue 111,507 82 111,589 Total revenue 422,598 32,602 455,200 Interest expense (49,065 ) (1,665 ) (50,730 ) Provision for losses on loans, interest and fees receivable recorded at net realizable value (244,922 ) (3,461 ) (248,383 ) Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value 2,085 — 2,085 Net margin $ 130,696 $ 27,476 $ 158,172 Income before income taxes $ 25,005 $ 6,758 $ 31,763 Income tax expense $ (3,830 ) $ (1,723 ) $ (5,553 ) Total assets $ 856,354 $ 79,912 $ 936,266

Note 4 - Shareholders' Equity a

Note 4 - Shareholders' Equity and Preferred Stock	12 Months Ended
	Dec. 31, 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 14, Dove is a limited liability company owned by three one two two During the years ended December 31, 2020 2019 245,534 357,461 $3,353,000 $2,517,000, We had 1,459,233 December 31, 2020 December 31, 2019 November 2005 On November 14, 2019, 50.5 $1.00 third 16% 6 not March 30, 2020, 50.0 14,

Note 5 - Investment in Equity-m

Note 5 - Investment in Equity-method Investee	12 Months Ended
	Dec. 31, 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 December 31, 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 December 31, 2020 December 31, 2019 Loans, interest and fees receivables, at fair value $ 1,994 $ 2,757 Total assets $ 2,105 $ 2,922 Total liabilities $ 10 $ 13 Members' capital $ 2,095 $ 2,909 Year ended December 31, 2020 2019 Net margin $ 819 $ 1,505 Net income $ 684 $ 1,318 Net income attributable to investee $ 456 $ 1,001

Note 6 - Fair Values of Assets

Note 6 - Fair Values of Assets and Liabilities	12 Months Ended
	Dec. 31, 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 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 "Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value" 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 loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value and therefore impact earnings. Fair value differs from amortized cost accounting in the following ways: • 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 receivables and debt (other than the notes payable underlying our formerly off-balance sheet credit card securitization structures), we have not Where applicable as noted above, we account for our financial assets and liabilities at fair value based upon a three 1 2 1 2 3 may Valuations and Techniques for Assets Our assessment of the significance of a particular input to the fair value measurement in its entirety requires judgment and considers factors specific to the asset or liability. The table below summarizes (in thousands) by fair value hierarchy the December 31, 2020 December 31, 2019 1 2 not Assets – As of December 31, 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 $ — $ — $ 586,908 $ 503,139 Loans, interest and fees receivable, at fair value $ — $ — $ 417,098 $ 417,098 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 consolidated statements of operations as a component of "Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value". For our loans, interest and fees receivable included in the above tables, we assess the fair value of these assets based on our estimate of future cash flows net of servicing costs, 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. For Level 3 December 31, 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 (96,948 ) 1,251 Chargeoffs (12,601 ) (897 ) Purchases 713,579 — Settlements (295,301 ) (2,274 ) Finance and fees 103,983 — Balance at December 31, $ 417,098 $ 4,386 The unrealized gains and losses for assets within the Level 3 Net Revaluation of Loans, Interest and Fees Receivable. third For Level 3 December 31, 2020 December 31, 2019 Quantitative Information about Level 3 Fair Value Measurement Fair Value at December 31, 2020 (in thousands) Valuation Technique Unobservable Input Range (Weighted Average) Loans, interest and fees receivable, at fair value $ 417,098 Discounted cash flows Gross yield, net of finance charge charge-offs 22.7% to 56.5% (43.3%) Payment rate 3.9% to 11.4% (8.5%) Expected principal credit loss rate 6.9% to 31.4% (24.8%) Servicing rate 2.9% to 14.2% (4.3%) Discount rate 12.8% 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 December 31, 2020 December 31, 2019 1 2 not Liabilities – As of December 31, 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 $ — $ — $ 857,068 $ 857,068 Amortizing debt facilities $ — $ — $ 25,542 $ 25,542 Convertible senior notes $ — $ 41,284 $ — $ 24,386 Liabilities carried at fair value Notes payable associated with structured financings, at fair value $ — $ — $ 2,919 $ 2,919 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 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 consolidated statements of operations as a component of "Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value". For our 5.875% 2035 third third not 10, For our material Level 3 December 31, 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 (1,001 ) (1,731 ) Repayments on outstanding notes payable, net — — Balance at December 31, $ 2,919 $ 3,920 The unrealized gains and losses for liabilities within the Level 3 3 Net Revaluation of Notes Payable Associated with Structured Financings, at Fair Value. not third For material Level 3 December 31, 2020 December 31, 2019 Quantitative Information about Level 3 Fair Value Measurement Fair Value at December 31, 2020 (in thousands) Valuation Technique Unobservable Input Weighted Average Notes payable associated with structured financings, at fair value $ 2,919 Discounted cash flows Gross yield, net of finance charge charge-offs 23.7 % Payment rate 3.9 % 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 December 31, 2020 December 31, 2019 As of December 31, 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 gross balance of loans, interest and fees receivable that are reported at fair value $ 630 $ 515,434 Aggregate unpaid principal balance included within loans, interest and fees receivable that are reported at fair value $ 589 $ 487,779 Aggregate fair value of loans, interest and fees receivable that are reported at fair value $ 540 $ 416,558 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 $ 1,847 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 $ 4 $ 12,972 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 gross balance of loans, interest and fees receivable that are reported at fair value $ 713 $ 5,691 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 December 31, 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 $ 2,919 $ 3,920

Note 7 - Property

Note 7 - Property	12 Months Ended
	Dec. 31, 2020
Notes to Financial Statements
Property, Plant and Equipment Disclosure [Text Block]	7. Property Details (in thousands) of our property on our consolidated balance sheets are as follows: As of December 31, 2020 2019 Software $ 4,122 $ 3,543 Furniture and fixtures 6,548 6,431 Data processing and telephone equipment 7,728 7,675 Leasehold improvements 10,570 10,570 Other 1,156 1,156 Total cost 30,124 29,375 Less accumulated depreciation (27,884 ) (26,637 ) Property, net $ 2,240 $ 2,738 Depreciation expense totaled $1.2 $1.1 December 31, 2020 2019

Note 8 - Leases

Note 8 - Leases	12 Months Ended
	Dec. 31, 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 Year Ended December 31, 2020 2019 Operating lease cost, gross $ 6,879 $ 6,875 Sublease income (5,133 ) (5,133 ) Net Operating lease cost $ 1,746 $ 1,742 Cash paid under operating leases, gross $ 10,278 $ 10,080 Weighted average remaining lease term - months 19 Weighted average discount rate 6.8 % As of December 31, 2020 Gross Lease Payment Payments received from Sublease Net Lease Payment 2021 $ 10,380 $ (7,315 ) $ 3,065 2022 4,568 (3,112 ) 1,456 2023 285 — 285 2024 100 — 100 2025 34 — 34 Thereafter — — — Total lease payments 15,367 (10,427 ) 4,940 Less imputed interest (1,591 ) Total $ 13,776 In addition, we occasionally lease certain equipment under cancelable and non-cancelable leases, which are accounted for as capital leases in our consolidated financial statements. As of December 31, 2020 no one

Note 9 - Variable Interest Enti

Note 9 - Variable Interest Entities	12 Months Ended
	Dec. 31, 2020
Notes to Financial Statements
Variable Interest Entity Disclosure [Text Block]	9. Variable Interest Entities The Company contributes certain receivables to VIEs. These entities are sometimes established to facilitate third not The following table presents a summary of VIEs in which we had continuing involvement or held a variable interest (in millions): As of December 31, 2020 December 31, 2019 Unrestricted cash and cash equivalents $ 96.6 $ 78.7 Restricted cash and cash equivalents 70.2 25.9 Loans, interest and fees receivable, at fair value 374.2 3.9 Loans, interest and fees receivable, gross 560.2 857.2 Allowances for uncollectible loans, interest and fees receivable (120.9 ) (168.8 ) Deferred revenue (10.3 ) (40.7 ) Total Assets held by VIEs $ 970.0 $ 756.2 Notes Payable, net held by VIEs $ 827.1 $ 691.5 Notes Payable, at fair value held by VIEs $ 2.9 $ 3.9 Maximum exposure to loss due to involvement with VIEs $ 864.4 $ 653.2

Note 10 - Notes Payable

Note 10 - Notes Payable	12 Months Ended
	Dec. 31, 2020
Notes to Financial Statements
Debt Disclosure [Text Block]	10. Notes Payable Notes Payable Associated with Structured Financings, at Fair Value Scheduled (in millions) in the table below are ( 1 December 31, 2020 December 31, 2019 2 December 31, 2020 December 31, 2019 3 December 31, 2020 December 31, 2019 Carrying Amounts at Fair Value as of December 31, 2020 December 31, 2019 Securitization facility (stated maturity of December 2021), outstanding face amount of $101.3 million as of December 31, 2020 ($101.3 million as of December 31, 2019) bearing interest at a weighted average 5.7% interest rate, based upon LIBOR, at December 31, 2020 (6.9% at December 31, 2019), which is secured by credit card receivables and restricted cash aggregating $2.9 million as of December 31, 2020 ($3.9 million as of December 31, 2019) in carrying amount $ 2.9 $ 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 $2.9 $2.9 no December 31, 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 Other notes payable outstanding as of December 31, 2020 December 31, 2019 As of December 31, 2020 December 31, 2019 Revolving credit facilities at a weighted average interest rate equal to 4.8% as of December 31, 2020 (6.0% as of 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 $943.6 million as of December 31, 2020 ($740.4 million as of December 31, 2019) Revolving credit facility, not to exceed $55.0 million (expiring November 1, 2023) (1) (2) (3) $ 34.9 $ 39.1 Revolving credit facility, not to exceed $50.0 million (expiring October 30, 2022) (2) (3) (4) (5) 50.0 40.5 Revolving credit facility, not to exceed $70.0 million (expiring February 8, 2022) (2) (3) (4) (5) (6) 5.8 25.8 Revolving credit facility, not to exceed $10.0 million (expiring October 15, 2021) (2) (3) (4) (5) (6) 10.0 — Revolving credit facility, not to exceed $15.0 million (expiring July 15, 2021) (2) (3) (4) (5) 4.7 14.6 Revolving credit facility, not to exceed $100.0 million (expiring August 15, 2022) (2) (3) (4) (5) (6) 2.5 — Revolving credit facility, not to exceed $167.3 million (repaid in October 2020) (3) (4) (5) (6) — 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) 7.8 8.6 Revolving credit facility, not to exceed $50.0 million (repaid in July 2020) (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 — Revolving credit facility, not to exceed $250.0 million (expiring October 15, 2025) (3) (4) (5) (6) 250.0 — Other facilities Other debt with a weighted average interest rate equal to 2.7% 3.2 1.2 Unsecured term debt (expiring August 26, 2024) with a weighted average interest rate equal to 8.0% (3) 17.4 17.4 Amortizing debt facility (repaid in July 2020) (2) (3) (4) (5) — 19.4 Amortizing debt facility (expiring September 30, 2021) with a weighted average interest rate equal to 4.7% (2) (3) (4) (5) 5.0 10.0 Total notes payable before unamortized debt issuance costs and discounts 891.3 758.9 Unamortized debt issuance costs and discounts (8.7 ) (9.7 ) Total notes payable outstanding, net $ 882.6 $ 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 variable interest entities. ( 6 Creditors do not * As of December 31, 2020 0.15% 3.25%. In October 2015, $50.0 $50.0 December 31, 2020 3.0%. October 30, 2022 In October 2016, $40.0 $34.9 December 31, 2020 2.4% 3.0% October 2016, December 31, 2020 $55.0 November 1, 2023. no In December 2016, $20.0 $0.0 December 31, 2020 December 2016, July 2020 not 5.0%. In February 2017, $90.0 $70.0 $5.8 December 31, 2020 third 14.0%. February 8, 2022 may In December 2017, $15.0 $7.8 December 31, 2020 3.5%. April 21, 2021 In 2018, two $200.0 $110.00 $12.5 December 31, 2020 third 3.75% 4.875%, October 15, 2021 August 15, 2022, may In September 2018, $50.0 $0.0 December 31, 2020 6.5%. July 2020 not In November 2018, $167.3 two 18 5.76%. October 2020 not In June 2019, $15.0 $4.7 December 31, 2020 In June 2019, $200.0 December 15, 2022). two 12 18 5.37%. In August 2019, $54.4 $16.3 $17.4 8.0% August 2024. 11, In September 2019, $30.0 $5.0 December 31, 2020 4.5%. September 30, 2021 In November 2019, $200.0 May 15, 2024). 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 December 31, 2020

Note 11 - Convertible Senior No

Note 11 - Convertible Senior Notes	12 Months Ended
	Dec. 31, 2020
Notes to Financial Statements
Long-term Debt [Text Block]	11. 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 10, The following summarizes (in thousands) components of our consolidated balance sheets associated with our convertible senior notes: As of December 31, 2020 December 31, 2019 Face amount of convertible senior notes $ 33,839 $ 33,839 Discount (9,453 ) (9,748 ) Net carrying value $ 24,386 $ 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 $ — $ — During certain periods and subject to certain conditions, the remaining $33.8 December 31, 2020 40.63 $1,000 $24.61 $1,000 $1,000 may 40.63 $1,000 6 not may In conjunction with the offering of the convertible senior notes, we entered into a 30 5,677,950 2008. 30 may A/A2, $35.9 1,459,233 December 31, 2020 We analogize the share lending agreement to a prepaid forward contract, which we have evaluated under applicable accounting guidance. We determined that the instrument was not not Accounting for Convertible Senior Notes Under applicable accounting literature, the accounting for the issuance of the notes includes ( 1 2 3 4 December 31, 2020 2019 $0.3 $0.5 $2.0 $3.9 December 31, 2020 2019 December 31, 2020 October 2035). 9.2%

Note 12 - Commitments and Conti

Note 12 - Commitments and Contingencies	12 Months Ended
	Dec. 31, 2020
Notes to Financial Statements
Commitments and Contingencies Disclosure [Text Block]	12. 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 $1.6 December 31, 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 December 31, 2020 , $9.9 Under agreements with third $10.6 December 31, 2020 Under agreements with third December 31, 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 $27.5 December 31, 2020 ( $0.5 December 31, 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 13 - Income Taxes

Note 13 - Income Taxes	12 Months Ended
	Dec. 31, 2020
Notes to Financial Statements
Income Tax Disclosure [Text Block]	13. Income Taxes Deferred tax assets and liabilities reflect the effects of tax losses, credits, and the future income tax effects of temporary differences between the consolidated financial statement carrying amounts of existing assets and liabilities and their respective tax bases and are measured using enacted tax rates that apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The current and deferred portions (in thousands) of federal, foreign and state income tax benefit or expense are as follows: For the Year Ended December 31, 2020 2019 Federal income tax (expense) benefit: Current tax benefit $ 1,351 $ 279 Deferred tax (expense) (21,752 ) (5,395 ) Total federal income tax (expense) $ (20,401 ) $ (5,116 ) Foreign income tax (expense) benefit: Current tax (expense) benefit $ (143 ) $ 25 Deferred tax (expense) (5 ) (15 ) Total foreign income tax (expense) benefit $ (148 ) $ 10 State and other income tax benefit (expense): Current tax (expense) $ (1,228 ) $ (709 ) Deferred tax benefit 1,303 262 Total state and other income tax benefit (expense) $ 75 $ (447 ) Total income tax (expense) $ (20,474 ) $ (5,553 ) We experienced an effective income tax expense rate of 17.9% 17.5% December 31, 2020 December 31, 2019, December 31, 2020 1 2 2020 2008 December 31, 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. For 2020, $1.0 2019, $0.1 . The following table reconciles our effective income tax expense or benefit rates for 2020 2019 For the Year Ended December 31, 2020 2019 Statutory federal expense rate 21.0 % 21.0 % Increase (decrease) in statutory tax expense rate resulting from: Federal valuation allowance — (4.4 ) Global intangible low-taxed income 0.2 0.8 Interest and penalties related to uncertain tax positions and IRS settlement adjustment (0.6 ) 0.6 Interest expense on preferred stock as debt treatment (2.6 ) — Foreign taxes, net of valuation allowance (0.2 ) (0.5 ) Permanent and other prior year true ups and tax effect of non-controlling interest 0.2 (1.1 ) State taxes, net of valuation allowance (0.1 ) 1.1 Effective expense rate 17.9 % 17.5 % As of December 31, 2020 December 31, 2019 As of December 31, 2020 2019 Deferred tax assets: Software development costs/fixed assets $ 75 $ — Goodwill and intangible assets — 113 Provision for loan loss 30,080 36,172 Credit card fair value election differences 173 — Equity-based compensation 715 792 Accrued expenses 466 386 Accruals for state taxes and interest associated with unrecognized tax benefits 121 108 Federal net operating loss and capital loss carry-forwards 11,279 18,643 Federal tax credits and minimum tax credit carry-forward 25 520 Foreign net operating loss carry-forward 306 537 Interest expense on preferred stock with debt treatment for tax purposes 631 — Other 202 40 State tax benefits, primarily from net operating losses 36,052 40,937 Deferred tax assets, gross $ 80,125 $ 98,248 Valuation allowances (31,701 ) (39,161 ) Deferred tax assets net of valuation allowance $ 48,424 $ 59,087 Deferred tax (liabilities): Prepaid expenses and other $ (225 ) $ (1,217 ) Software development costs/fixed assets — (176 ) Equity in income of equity-method investee (1,457 ) (1,154 ) Credit card fair value election differences — (21,513 ) Market discount on loans (61,255 ) (29,834 ) Deferred costs (545 ) (542 ) Convertible senior notes (10,057 ) (9,309 ) Deferred tax (liabilities), gross $ (73,539 ) $ (63,745 ) Deferred tax (liabilities), net $ (25,115 ) $ (4,658 ) We undertook a detailed review of our deferred taxes and determined that a valuation allowance was required for certain deferred tax assets in state tax jurisdictions within the U.S. and in the U.K. We reduce our deferred tax assets by valuation allowances if it is more likely than not not not $31.7 $39.2 December 31, 2020 December 31, 2019, $2.0 December 31, 2019 December 31, 2020. Certain of our deferred tax assets relate to federal, foreign and state net operating losses, capital losses, and credits, and we have no $10.7 $51.0 2030 2037 $0.6 $2.4 2021 Our subsidiaries file federal, state and/or foreign income tax returns. In the normal course of our business, we are subject to examination by taxing authorities throughout the world, including such major jurisdictions as the U.S., the U.K., and various U.S. states and territories. With a few exceptions of a non-material nature, we are no 2016. Reconciliations (in thousands) of our unrecognized tax benefits from the beginning to the end of 2020 2019 2020 2019 Balance at January 1, $ (513 ) $ (414 ) Reductions based on tax positions related to prior years — 13 Additions based on tax positions related to prior years 48 — Additions based on tax positions related to the current year (82 ) (83 ) Interest and penalties accrued (30 ) (29 ) Balance at December 31, $ (577 ) $ (513 ) Further, our unrecognized tax benefits that, if recognized, would affect the effective tax rate are not $0.6 $0.5 December 31, 2020 2019

Note 14 - Net Income Attributab

Note 14 - Net Income Attributable to Controlling Interests Per Common Share	12 Months Ended
	Dec. 31, 2020
Notes to Financial Statements
Earnings Per Share [Text Block]	14. Net Income Attributable to Controlling Interests Per Common Share We compute net income (loss) attributable to controlling interests per common share by dividing net income (loss) attributable to controlling interests by the weighted-average number of shares of common stock (including participating securities) outstanding during the period, as discussed below. Diluted computations applicable in financial reporting periods in which we report income reflect the potential dilution to the basic income per share of common stock computations that could occur if securities or other contracts to issue common stock were exercised, were converted into common stock or were to result in the issuance of common stock that would share in our results of operations. In performing our net income (loss) attributable to controlling interests per share of common stock computations, we apply accounting rules that require us to include all unvested stock awards that contain non-forfeitable rights to dividends or dividend equivalents, whether paid or unpaid, in the number of shares outstanding in our basic and diluted calculations. Common stock and certain unvested share-based payment awards earn dividends equally, and we have included all outstanding restricted stock awards in our basic and diluted calculations for current and prior periods. The following table sets forth the computations of net income attributable to controlling interests per share of common stock (in thousands, except per share data): December 31, 2020 2019 Numerator: Net income attributable to controlling interests $ 94,120 $ 26,443 Preferred stock and preferred unit dividends and accretion (17,070 ) (1,153 ) Net income attributable to common shareholders—basic 77,050 25,290 Effect of dilutive preferred stock dividends and accretion 2,400 26 Net income attributable to common shareholders—diluted $ 79,450 $ 25,316 Denominator: Basic (including unvested share-based payment awards) (1) 14,486 14,499 Effect of dilutive stock compensation arrangements and exchange of preferred stock 5,616 774 Diluted (including unvested share-based payment awards) (1) 20,102 15,273 Net income attributable to common shareholders per share—basic $ 5.32 $ 1.74 Net income attributable to common shareholders per share—diluted $ 3.95 $ 1.66 ( 1 Shares related to unvested share-based payment awards included in our basic and diluted share counts were 431,262 December 31, 2020 , 512,636 December 31, 2019 . As their effects were anti-dilutive, we excluded stock options to purchase 0.1 0.5 December 31, 2020 2019 For the year ended December 31, 2020 3,793,869 No December 31, 2019. 4, For the years ended December 31, 2020 2019 no $24.61 1 .4 11

Note 15 - Stock-based Compensat

Note 15 - Stock-based Compensation	12 Months Ended
	Dec. 31, 2020
Notes to Financial Statements
Share-based Payment Arrangement [Text Block]	15. Stock-Based Compensation We currently have two 2014 2014 2014 may 2014 May 2019. 2014 2,000,000 two December 31, 2020 56,562 1,670,226 2014 Exercises and vestings under our stock-based compensation plans resulted in no December 31, 2020 2019 Restricted Stock and Restricted Stock Units During the years ended December 31, 2020 2019 61,373 229,500 $0.6 $0.9 $0.8 $1.0 December 31, 2020 2019 12 60 December 31, 2020 , $0.5 1 .1 No Stock Options The exercise price per share of the options awarded under the Fourth Amended 2014 may not 10 2020 zero 5 77.7% 0.46% 5 $0.5 $0.7 December 31, 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 143,500 $ 15.30 Exercised (407,533 ) $ 3.25 Expired/Forfeited — $ — Outstanding at December 31, 2020 2,423,466 $ 4.41 1.6 $ 48,992,890 Exercisable at December 31, 2020 1,835,467 $ 3.20 1.1 $ 39,325,783 Information on stock options granted, exercised and vested is as follows (in thousands, except per share data): Year ended December 31, 2020 2019 Weighted average fair value per share of options granted $ 9.47 $ 1.90 Cash received from options exercised, net $ 1,326 $ 1,215 Aggregate intrinsic value of options exercised $ 5,726 $ 671 Grant date fair value of shares vested $ 944 $ 618 Options issued during the year ended December 31, 2020 $1.4 $1.4 $0.5 December 31, 2020 December 31, 2019 ,

Note 16 - Employee Benefit Plan

Note 16 - Employee Benefit Plans	12 Months Ended
	Dec. 31, 2020
Notes to Financial Statements
Compensation and Employee Benefit Plans, Other than Share-based Compensation [Text Block]	16. Employee Benefit Plans We maintain a defined contribution retirement plan ( “401 401 3 3% $197,214 $285,618 2020 2019 Also, all employees, excluding executive officers, are eligible to participate in the ESPP. Under the ESPP, employees can elect to have up to 10% $10,000. 85% $106,775 9,209 2020 $108,466 19,641 2019 100,000 $31,748 $31,954 2020 2019

Note 17 - Related Party Transac

Note 17 - Related Party Transactions	12 Months Ended
	Dec. 31, 2020
Notes to Financial Statements
Related Party Transactions Disclosure [Text Block]	17. Related Party Transactions Under a shareholders' agreement which we entered into with certain shareholders, including David G. Hanna, Frank J. Hanna, III and certain trusts that were Hanna affiliates, following our initial public offering ( 1 one third 50% may 2 50% third may In June 2007, 1,000 600 $16,960 $16,627 2020 2019 January 1, 2021 May 2022 $24,567. In January 2013, four December 31, 2020 2019 $334,526 $269,072, On November 26, 2014, $40.0 December 27, 2019, 400,000 $40 $40.0 6% no may, January 1, 2025 $100 $100 January 1, 2024. $100 $10 three one two two

Significant Accounting Policies

Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 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 (and changes thereon) of our Loans, interest and fees receivables, at fair value and Notes payable associated with structured financings recorded at fair value on our consolidated balance sheets and 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. Certain prior year amounts on our consolidated statements of operations have been reclassified for consistency with the current year presentation. These reclassifications had no We have eliminated all significant intercompany balances and transactions for financial reporting purposes.
Cash and Cash Equivalents, Unrestricted Cash and Cash Equivalents, Policy [Policy Text Block]	Unrestricted Cash and Cash Equivalents Unrestricted cash and cash equivalents consist of cash, money market investments and overnight deposits. We consider all highly liquid cash investments with low interest rate risk and original maturities of three not
Cash and Cash Equivalents, Restricted Cash and Cash Equivalents, Policy [Policy Text Block]	Restricted Cash Restricted cash as of December 31, 2020 2019
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 the fair value of loans, interest and fees receivable are recorded as a component of "Changes in 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 $185.0 $182.9 December 31, 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 December 31, 2020 December 31, 2019, $39.5 $90.3 14 11 $28.2 $48.1 December 31, 2020 December 31, 2019, As a result of the recent COVID- 19 March 13, 2020 March 22, 2020, 19 19 may 19. 19 19 not December 31, 2020, 5.6% 19 December 31, 2020, 1.7% $28.3 A roll-forward (in millions) of our allowance for uncollectible loans, interest and fees receivable by class of receivable is as follows: For the Year Ended December 31, 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 (112.1 ) (2.0 ) (28.6 ) (142.7 ) Charge offs 155.1 3.0 72.1 230.2 Recoveries (9.9 ) (1.1 ) (15.2 ) (26.2 ) Balance at end of period $ (88.2 ) $ (1.7 ) $ (35.1 ) $ (125.0 ) As of December 31, 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 $ — $ (0.3 ) $ — $ (0.3 ) Balance at end of period collectively evaluated for impairment $ (88.2 ) $ (1.4 ) $ (35.1 ) $ (124.7 ) Loans, interest and fees receivable: Loans, interest and fees receivable, gross $ 364.2 $ 93.2 $ 210.2 $ 667.6 Loans, interest and fees receivable individually evaluated for impairment $ — $ 2.3 $ — $ 2.3 Loans, interest and fees receivable collectively evaluated for impairment $ 364.2 $ 90.9 $ 210.2 $ 665.3 For the Year Ended December 31, 2019 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at beginning of period $ (35.4 ) $ (1.3 ) $ (42.5 ) $ (79.2 ) Provision for loan losses (161.5 ) (3.5 ) (83.4 ) (248.4 ) Charge offs 80.2 4.6 68.1 152.9 Recoveries (4.6 ) (1.4 ) (5.6 ) (11.6 ) Balance at end of period $ (121.3 ) $ (1.6 ) $ (63.4 ) $ (186.3 ) As of December 31, 2019 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at end of period individually evaluated for impairment $ — $ (0.4 ) $ (0.1 ) $ (0.5 ) Balance at end of period collectively evaluated for impairment $ (121.3 ) $ (1.2 ) $ (63.3 ) $ (185.8 ) Loans, interest and fees receivable: Loans, interest and fees receivable, gross $ 509.2 $ 89.8 $ 399.2 $ 998.2 Loans, interest and fees receivable individually evaluated for impairment $ — $ 2.1 $ 0.1 $ 2.2 Loans, interest and fees receivable collectively evaluated for impairment $ 509.2 $ 87.7 $ 399.1 $ 996.0 Delinquent loans, interest and fees receivable reflect the principal, fee and interest components of loans we did not not Recoveries, noted above, consist of amounts received from the efforts of third third December 31, 2020, $12.4 $13.8 third third We consider loan delinquencies a key indicator of credit quality because this measure provides the best ongoing estimate of how a particular class of receivables is performing. An aging of our delinquent loans, interest and fees receivable, gross (in millions) by class of receivable as of December 31, 2020 December 31, 2019 As of December 31, 2020 Credit Cards Auto Finance Other Unsecured Lending Products Total 30-59 days past due $ 12.4 $ 7.6 $ 5.1 $ 25.1 60-89 days past due 8.0 2.8 3.8 14.6 90 or more days past due 19.9 2.1 9.5 31.5 Delinquent loans, interest and fees receivable, gross 40.3 12.5 18.4 71.2 Current loans, interest and fees receivable, gross 323.9 80.7 191.8 596.4 Total loans, interest and fees receivable, gross $ 364.2 $ 93.2 $ 210.2 $ 667.6 Balance of loans greater than 90-days delinquent still accruing interest and fees $ — $ 1.5 $ — $ 1.5 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 December 31, 2020 December 31, 2019 As of December 31, 2020 December 31, 2019 Point-of-sale Direct-to-consumer Point-of-sale Direct-to-consumer Number of TDRs 12,394 37,784 10,682 14,553 Number of TDRs that have been re-aged 2,788 7,846 2,788 2,854 Amount of TDRs on non-accrual status (in thousands) $ 14,537 $ 26,989 $ 14,468 $ 13,037 Amount of TDRs on non-accrual status above that have been re-aged (in thousands) $ 4,662 $ 6,890 $ 5,118 $ 3,104 Carrying value of TDRs (in thousands) $ 9,583 $ 14,287 $ 8,864 $ 7,312 TDRs - Performing (carrying value, in thousands)* $ 7,420 $ 11,855 $ 6,754 $ 6,106 TDRs - Nonperforming (carrying value, in thousands)* $ 2,163 $ 2,432 $ 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 60,908 31,409 $70.3 $43.3 twelve December 31, 2020 December 31, 2019 twelve Twelve Months Ended December 31, 2020 December 31, 2019 Point-of-sale Direct-to-consumer Point-of-sale Direct-to-consumer Number of accounts 3,065 7,665 2,835 3,339 Loan balance at time of charge off (in thousands) $ 4,352 $ 6,745 $ 4,397 $ 3,545
Property, Plant and Equipment, Policy [Policy Text Block]	Property at Cost, Net of Depreciation We capitalize costs related to internal development and implementation of software used in our operating activities in accordance with applicable accounting literature. These capitalized costs consist almost exclusively of fees paid to third We record our property at cost less accumulated depreciation or amortization. We compute depreciation expense using the straight-line method over the estimated useful lives of our assets, which are approximately 5 3 We periodically review our property to determine if it is impaired. We incurred no 2020 no 2019
Equity Method Investments [Policy Text Block]	Investment in Equity-Method Investee We account for an investment using the equity method of accounting if we have the ability to exercise significant influence, but not We use the equity method for our 66.7% 2004 not We evaluate our investments in the equity-method investee for impairment each quarter by comparing the carrying amount of the investment to its fair value. Because no
Prepaid Expenses and Other Assets [Policy Text Block]	Prepaid Expenses and Other Assets Prepaid expenses and other assets include amounts paid to third third 1 2 3
Accounts Payable and Accrued Expenses [Policy Text Block]	Accounts Payable and Accrued Expenses Accounts payable and accrued expenses reflect both the billed and unbilled amounts owed at the end of a period for services rendered. Commencing in July 2019, third 10 37
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 fees associated with the credit products, including the receivables underlying our U.S. point-of-sale finance and direct-to-consumer platform, and our legacy credit card receivables which include the recognition of annual fee billings and cash advance fees among others. 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 January 1, 2020 2020. Other revenue Other revenue includes revenues associated with ancillary product offerings, interchange revenues and servicing income. We recognize these fees as income in the period earned. Other non-operating revenue Other non-operating revenue includes revenues associated with investments in equity method investees and other revenues not 2019 $105.9 one December 31, 2020, $2.0 Revenue from Contracts with Customers The majority of our revenue is earned from financial instruments and is not No. 2014 09, None Credit and For the Year Ended December 31, 2020 Other Investments Auto Finance Total Interchange revenues, net (1) $ 9,500 $ — $ 9,500 Servicing income 1,187 994 2,181 Service charges and other customer related fees 3,685 65 3,750 Total revenue from contracts with customers $ 14,372 $ 1,059 $ 15,431 ( 1 Credit and For the Year Ended December 31, 2019 Other Investments Auto Finance Total Interchange revenues, net (1) $ 8,495 $ — $ 8,495 Servicing income 857 929 1,786 Service charges and other customer related fees 3,407 66 3,473 Total revenue from contracts with customers $ 12,759 $ 995 $ 13,754 ( 1
Selling, General and Administrative Expenses, Policy [Policy Text Block]	Card and Loan Servicing Expenses Card and loan servicing costs primarily include collections and customer service expenses. Within this category of expenses are personnel, service bureau, cardholder correspondence and other direct costs associated with our collections and customer service efforts. Card and loan servicing costs also include outsourced collections and customer service expenses. We expense card and loan servicing costs as we incur them, with the exception of prepaid costs, which we expense over respective service periods.
Advertising Cost [Policy Text Block]	Marketing and Solicitation Expenses We expense product solicitation costs, including printing, credit bureaus, list processing, telemarketing, postage, and internet marketing fees, as we incur these costs or expend resources.
New Accounting Pronouncements, Policy [Policy Text Block]	Recent Accounting Pronouncements In June 2016, 2016 13, 2018 19, 2019 04, 2019 10 2019 11 May 2019 2019 05 326 20, first 2016 13 2019 05 December 15, 2019, December 15, 2022 In 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 December 31, 2020 , not On March 11, 2021, $1.9

Note 2 - Significant Accounti_2

Note 2 - Significant Accounting Policies and Consolidated Financial Statement Components (Tables)	12 Months Ended
	Dec. 31, 2020
Notes Tables
Financing Receivable, Current, Allowance for Credit Loss [Table Text Block]	For the Year Ended December 31, 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 (112.1 ) (2.0 ) (28.6 ) (142.7 ) Charge offs 155.1 3.0 72.1 230.2 Recoveries (9.9 ) (1.1 ) (15.2 ) (26.2 ) Balance at end of period $ (88.2 ) $ (1.7 ) $ (35.1 ) $ (125.0 ) As of December 31, 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 $ — $ (0.3 ) $ — $ (0.3 ) Balance at end of period collectively evaluated for impairment $ (88.2 ) $ (1.4 ) $ (35.1 ) $ (124.7 ) Loans, interest and fees receivable: Loans, interest and fees receivable, gross $ 364.2 $ 93.2 $ 210.2 $ 667.6 Loans, interest and fees receivable individually evaluated for impairment $ — $ 2.3 $ — $ 2.3 Loans, interest and fees receivable collectively evaluated for impairment $ 364.2 $ 90.9 $ 210.2 $ 665.3 For the Year Ended December 31, 2019 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at beginning of period $ (35.4 ) $ (1.3 ) $ (42.5 ) $ (79.2 ) Provision for loan losses (161.5 ) (3.5 ) (83.4 ) (248.4 ) Charge offs 80.2 4.6 68.1 152.9 Recoveries (4.6 ) (1.4 ) (5.6 ) (11.6 ) Balance at end of period $ (121.3 ) $ (1.6 ) $ (63.4 ) $ (186.3 ) As of December 31, 2019 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at end of period individually evaluated for impairment $ — $ (0.4 ) $ (0.1 ) $ (0.5 ) Balance at end of period collectively evaluated for impairment $ (121.3 ) $ (1.2 ) $ (63.3 ) $ (185.8 ) Loans, interest and fees receivable: Loans, interest and fees receivable, gross $ 509.2 $ 89.8 $ 399.2 $ 998.2 Loans, interest and fees receivable individually evaluated for impairment $ — $ 2.1 $ 0.1 $ 2.2 Loans, interest and fees receivable collectively evaluated for impairment $ 509.2 $ 87.7 $ 399.1 $ 996.0
Financing Receivable, Past Due [Table Text Block]	As of December 31, 2020 Credit Cards Auto Finance Other Unsecured Lending Products Total 30-59 days past due $ 12.4 $ 7.6 $ 5.1 $ 25.1 60-89 days past due 8.0 2.8 3.8 14.6 90 or more days past due 19.9 2.1 9.5 31.5 Delinquent loans, interest and fees receivable, gross 40.3 12.5 18.4 71.2 Current loans, interest and fees receivable, gross 323.9 80.7 191.8 596.4 Total loans, interest and fees receivable, gross $ 364.2 $ 93.2 $ 210.2 $ 667.6 Balance of loans greater than 90-days delinquent still accruing interest and fees $ — $ 1.5 $ — $ 1.5 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 December 31, 2020 December 31, 2019 Point-of-sale Direct-to-consumer Point-of-sale Direct-to-consumer Number of TDRs 12,394 37,784 10,682 14,553 Number of TDRs that have been re-aged 2,788 7,846 2,788 2,854 Amount of TDRs on non-accrual status (in thousands) $ 14,537 $ 26,989 $ 14,468 $ 13,037 Amount of TDRs on non-accrual status above that have been re-aged (in thousands) $ 4,662 $ 6,890 $ 5,118 $ 3,104 Carrying value of TDRs (in thousands) $ 9,583 $ 14,287 $ 8,864 $ 7,312 TDRs - Performing (carrying value, in thousands)* $ 7,420 $ 11,855 $ 6,754 $ 6,106 TDRs - Nonperforming (carrying value, in thousands)* $ 2,163 $ 2,432 $ 2,110 $ 1,206 Twelve Months Ended December 31, 2020 December 31, 2019 Point-of-sale Direct-to-consumer Point-of-sale Direct-to-consumer Number of accounts 3,065 7,665 2,835 3,339 Loan balance at time of charge off (in thousands) $ 4,352 $ 6,745 $ 4,397 $ 3,545
Disaggregation of Revenue [Table Text Block]	Credit and For the Year Ended December 31, 2020 Other Investments Auto Finance Total Interchange revenues, net (1) $ 9,500 $ — $ 9,500 Servicing income 1,187 994 2,181 Service charges and other customer related fees 3,685 65 3,750 Total revenue from contracts with customers $ 14,372 $ 1,059 $ 15,431 Credit and For the Year Ended December 31, 2019 Other Investments Auto Finance Total Interchange revenues, net (1) $ 8,495 $ — $ 8,495 Servicing income 857 929 1,786 Service charges and other customer related fees 3,407 66 3,473 Total revenue from contracts with customers $ 12,759 $ 995 $ 13,754

Note 3 - Segment Reporting (Tab

Note 3 - Segment Reporting (Tables)	12 Months Ended
	Dec. 31, 2020
Notes Tables
Schedule of Segment Reporting Information, by Segment [Table Text Block]	Year Ended December 31, 2020 Credit and Other Investments Auto Finance Total Revenue: Consumer loans, including past due fees $ 378,817 $ 31,799 $ 410,616 Fees and related income on earning assets 133,891 69 133,960 Other revenue 14,372 1,059 15,431 Other non-operating revenue 3,360 43 3,403 Total revenue 530,440 32,970 563,410 Interest expense (50,387 ) (1,161 ) (51,548 ) Provision for losses on loans, interest and fees receivable recorded at net realizable value (140,683 ) (2,036 ) (142,719 ) Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value (108,548 ) — (108,548 ) Net margin $ 230,822 $ 29,773 $ 260,595 Income before income taxes $ 105,429 $ 8,962 $ 114,391 Income tax expense $ (18,257 ) $ (2,217 ) $ (20,474 ) Total assets $ 1,124,618 $ 82,596 $ 1,207,214 Year Ended December 31, 2019 Credit and Other Investments Auto Finance Total Revenue: Consumer loans, including past due fees $ 229,774 $ 31,444 $ 261,218 Fees and related income on earning assets 68,558 81 68,639 Other revenue 12,759 995 13,754 Other non-operating revenue 111,507 82 111,589 Total revenue 422,598 32,602 455,200 Interest expense (49,065 ) (1,665 ) (50,730 ) Provision for losses on loans, interest and fees receivable recorded at net realizable value (244,922 ) (3,461 ) (248,383 ) Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value 2,085 — 2,085 Net margin $ 130,696 $ 27,476 $ 158,172 Income before income taxes $ 25,005 $ 6,758 $ 31,763 Income tax expense $ (3,830 ) $ (1,723 ) $ (5,553 ) Total assets $ 856,354 $ 79,912 $ 936,266

Note 5 - Investment in Equity_2

Note 5 - Investment in Equity-method Investee (Tables)	12 Months Ended
	Dec. 31, 2020
Notes Tables
Equity Method Investments [Table Text Block]	As of December 31, 2020 December 31, 2019 Loans, interest and fees receivables, at fair value $ 1,994 $ 2,757 Total assets $ 2,105 $ 2,922 Total liabilities $ 10 $ 13 Members' capital $ 2,095 $ 2,909 Year ended December 31, 2020 2019 Net margin $ 819 $ 1,505 Net income $ 684 $ 1,318 Net income attributable to investee $ 456 $ 1,001

Note 6 - Fair Values of Asset_2

Note 6 - Fair Values of Assets and Liabilities (Tables)	12 Months Ended
	Dec. 31, 2020
Notes Tables
Fair Value, Assets Measured on Recurring Basis [Table Text Block]	Assets – As of December 31, 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 $ — $ — $ 586,908 $ 503,139 Loans, interest and fees receivable, at fair value $ — $ — $ 417,098 $ 417,098 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 (96,948 ) 1,251 Chargeoffs (12,601 ) (897 ) Purchases 713,579 — Settlements (295,301 ) (2,274 ) Finance and fees 103,983 — Balance at December 31, $ 417,098 $ 4,386
Fair Value Measurement Inputs and Valuation Techniques [Table Text Block]	Fair Value Measurement Fair Value at December 31, 2020 (in thousands) Valuation Technique Unobservable Input Range (Weighted Average) Loans, interest and fees receivable, at fair value $ 417,098 Discounted cash flows Gross yield, net of finance charge charge-offs 22.7% to 56.5% (43.3%) Payment rate 3.9% to 11.4% (8.5%) Expected principal credit loss rate 6.9% to 31.4% (24.8%) Servicing rate 2.9% to 14.2% (4.3%) Discount rate 12.8% 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 December 31, 2020 (in thousands) Valuation Technique Unobservable Input Weighted Average Notes payable associated with structured financings, at fair value $ 2,919 Discounted cash flows Gross yield, net of finance charge charge-offs 23.7 % Payment rate 3.9 % 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 December 31, 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 $ — $ — $ 857,068 $ 857,068 Amortizing debt facilities $ — $ — $ 25,542 $ 25,542 Convertible senior notes $ — $ 41,284 $ — $ 24,386 Liabilities carried at fair value Notes payable associated with structured financings, at fair value $ — $ — $ 2,919 $ 2,919 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 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 (1,001 ) (1,731 ) Repayments on outstanding notes payable, net — — Balance at December 31, $ 2,919 $ 3,920
Fair Value Option, Disclosures [Table Text Block]	As of December 31, 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 gross balance of loans, interest and fees receivable that are reported at fair value $ 630 $ 515,434 Aggregate unpaid principal balance included within loans, interest and fees receivable that are reported at fair value $ 589 $ 487,779 Aggregate fair value of loans, interest and fees receivable that are reported at fair value $ 540 $ 416,558 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 $ 1,847 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 $ 4 $ 12,972 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 gross balance of loans, interest and fees receivable that are reported at fair value $ 713 $ 5,691 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 December 31, 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 $ 2,919 $ 3,920

Note 7 - Property (Tables)

Note 7 - Property (Tables)	12 Months Ended
	Dec. 31, 2020
Notes Tables
Property, Plant and Equipment [Table Text Block]	As of December 31, 2020 2019 Software $ 4,122 $ 3,543 Furniture and fixtures 6,548 6,431 Data processing and telephone equipment 7,728 7,675 Leasehold improvements 10,570 10,570 Other 1,156 1,156 Total cost 30,124 29,375 Less accumulated depreciation (27,884 ) (26,637 ) Property, net $ 2,240 $ 2,738

Note 8 - Leases (Tables)

Note 8 - Leases (Tables)	12 Months Ended
	Dec. 31, 2020
Notes Tables
Lease, Cost [Table Text Block]	For the Year Ended December 31, 2020 2019 Operating lease cost, gross $ 6,879 $ 6,875 Sublease income (5,133 ) (5,133 ) Net Operating lease cost $ 1,746 $ 1,742 Cash paid under operating leases, gross $ 10,278 $ 10,080 Weighted average remaining lease term - months 19 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 2021 $ 10,380 $ (7,315 ) $ 3,065 2022 4,568 (3,112 ) 1,456 2023 285 — 285 2024 100 — 100 2025 34 — 34 Thereafter — — — Total lease payments 15,367 (10,427 ) 4,940 Less imputed interest (1,591 ) Total $ 13,776

Note 9 - Variable Interest En_2

Note 9 - Variable Interest Entities (Tables)	12 Months Ended
	Dec. 31, 2020
Notes Tables
Schedule of Variable Interest Entities [Table Text Block]	As of December 31, 2020 December 31, 2019 Unrestricted cash and cash equivalents $ 96.6 $ 78.7 Restricted cash and cash equivalents 70.2 25.9 Loans, interest and fees receivable, at fair value 374.2 3.9 Loans, interest and fees receivable, gross 560.2 857.2 Allowances for uncollectible loans, interest and fees receivable (120.9 ) (168.8 ) Deferred revenue (10.3 ) (40.7 ) Total Assets held by VIEs $ 970.0 $ 756.2 Notes Payable, net held by VIEs $ 827.1 $ 691.5 Notes Payable, at fair value held by VIEs $ 2.9 $ 3.9 Maximum exposure to loss due to involvement with VIEs $ 864.4 $ 653.2

Note 10 - Notes Payable (Tables

Note 10 - Notes Payable (Tables)	12 Months Ended
	Dec. 31, 2020
Notes Tables
Schedule of Debt [Table Text Block]	As of December 31, 2020 December 31, 2019 Revolving credit facilities at a weighted average interest rate equal to 4.8% as of December 31, 2020 (6.0% as of 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 $943.6 million as of December 31, 2020 ($740.4 million as of December 31, 2019) Revolving credit facility, not to exceed $55.0 million (expiring November 1, 2023) (1) (2) (3) $ 34.9 $ 39.1 Revolving credit facility, not to exceed $50.0 million (expiring October 30, 2022) (2) (3) (4) (5) 50.0 40.5 Revolving credit facility, not to exceed $70.0 million (expiring February 8, 2022) (2) (3) (4) (5) (6) 5.8 25.8 Revolving credit facility, not to exceed $10.0 million (expiring October 15, 2021) (2) (3) (4) (5) (6) 10.0 — Revolving credit facility, not to exceed $15.0 million (expiring July 15, 2021) (2) (3) (4) (5) 4.7 14.6 Revolving credit facility, not to exceed $100.0 million (expiring August 15, 2022) (2) (3) (4) (5) (6) 2.5 — Revolving credit facility, not to exceed $167.3 million (repaid in October 2020) (3) (4) (5) (6) — 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) 7.8 8.6 Revolving credit facility, not to exceed $50.0 million (repaid in July 2020) (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 — Revolving credit facility, not to exceed $250.0 million (expiring October 15, 2025) (3) (4) (5) (6) 250.0 — Other facilities Other debt with a weighted average interest rate equal to 2.7% 3.2 1.2 Unsecured term debt (expiring August 26, 2024) with a weighted average interest rate equal to 8.0% (3) 17.4 17.4 Amortizing debt facility (repaid in July 2020) (2) (3) (4) (5) — 19.4 Amortizing debt facility (expiring September 30, 2021) with a weighted average interest rate equal to 4.7% (2) (3) (4) (5) 5.0 10.0 Total notes payable before unamortized debt issuance costs and discounts 891.3 758.9 Unamortized debt issuance costs and discounts (8.7 ) (9.7 ) Total notes payable outstanding, net $ 882.6 $ 749.2
Structured Financing Notes Payable [Member]
Notes Tables
Schedule of Debt [Table Text Block]	Carrying Amounts at Fair Value as of December 31, 2020 December 31, 2019 Securitization facility (stated maturity of December 2021), outstanding face amount of $101.3 million as of December 31, 2020 ($101.3 million as of December 31, 2019) bearing interest at a weighted average 5.7% interest rate, based upon LIBOR, at December 31, 2020 (6.9% at December 31, 2019), which is secured by credit card receivables and restricted cash aggregating $2.9 million as of December 31, 2020 ($3.9 million as of December 31, 2019) in carrying amount $ 2.9 $ 3.9

Note 11 - Convertible Senior _2

Note 11 - Convertible Senior Notes (Tables)	12 Months Ended
	Dec. 31, 2020
Notes Tables
Schedule of Long-term Debt Instruments [Table Text Block]	As of December 31, 2020 December 31, 2019 Face amount of convertible senior notes $ 33,839 $ 33,839 Discount (9,453 ) (9,748 ) Net carrying value $ 24,386 $ 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 13 - Income Taxes (Tables)

Note 13 - Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2020
Notes Tables
Schedule of Components of Income Tax Expense (Benefit) [Table Text Block]	For the Year Ended December 31, 2020 2019 Federal income tax (expense) benefit: Current tax benefit $ 1,351 $ 279 Deferred tax (expense) (21,752 ) (5,395 ) Total federal income tax (expense) $ (20,401 ) $ (5,116 ) Foreign income tax (expense) benefit: Current tax (expense) benefit $ (143 ) $ 25 Deferred tax (expense) (5 ) (15 ) Total foreign income tax (expense) benefit $ (148 ) $ 10 State and other income tax benefit (expense): Current tax (expense) $ (1,228 ) $ (709 ) Deferred tax benefit 1,303 262 Total state and other income tax benefit (expense) $ 75 $ (447 ) Total income tax (expense) $ (20,474 ) $ (5,553 )
Schedule of Effective Income Tax Rate Reconciliation [Table Text Block]	For the Year Ended December 31, 2020 2019 Statutory federal expense rate 21.0 % 21.0 % Increase (decrease) in statutory tax expense rate resulting from: Federal valuation allowance — (4.4 ) Global intangible low-taxed income 0.2 0.8 Interest and penalties related to uncertain tax positions and IRS settlement adjustment (0.6 ) 0.6 Interest expense on preferred stock as debt treatment (2.6 ) — Foreign taxes, net of valuation allowance (0.2 ) (0.5 ) Permanent and other prior year true ups and tax effect of non-controlling interest 0.2 (1.1 ) State taxes, net of valuation allowance (0.1 ) 1.1 Effective expense rate 17.9 % 17.5 %
Schedule of Deferred Tax Assets and Liabilities [Table Text Block]	As of December 31, 2020 2019 Deferred tax assets: Software development costs/fixed assets $ 75 $ — Goodwill and intangible assets — 113 Provision for loan loss 30,080 36,172 Credit card fair value election differences 173 — Equity-based compensation 715 792 Accrued expenses 466 386 Accruals for state taxes and interest associated with unrecognized tax benefits 121 108 Federal net operating loss and capital loss carry-forwards 11,279 18,643 Federal tax credits and minimum tax credit carry-forward 25 520 Foreign net operating loss carry-forward 306 537 Interest expense on preferred stock with debt treatment for tax purposes 631 — Other 202 40 State tax benefits, primarily from net operating losses 36,052 40,937 Deferred tax assets, gross $ 80,125 $ 98,248 Valuation allowances (31,701 ) (39,161 ) Deferred tax assets net of valuation allowance $ 48,424 $ 59,087 Deferred tax (liabilities): Prepaid expenses and other $ (225 ) $ (1,217 ) Software development costs/fixed assets — (176 ) Equity in income of equity-method investee (1,457 ) (1,154 ) Credit card fair value election differences — (21,513 ) Market discount on loans (61,255 ) (29,834 ) Deferred costs (545 ) (542 ) Convertible senior notes (10,057 ) (9,309 ) Deferred tax (liabilities), gross $ (73,539 ) $ (63,745 ) Deferred tax (liabilities), net $ (25,115 ) $ (4,658 )
Summary of Positions for which Significant Change in Unrecognized Tax Benefits is Reasonably Possible [Table Text Block]	2020 2019 Balance at January 1, $ (513 ) $ (414 ) Reductions based on tax positions related to prior years — 13 Additions based on tax positions related to prior years 48 — Additions based on tax positions related to the current year (82 ) (83 ) Interest and penalties accrued (30 ) (29 ) Balance at December 31, $ (577 ) $ (513 )

Note 14 - Net Income Attribut_2

Note 14 - Net Income Attributable to Controlling Interests Per Common Share (Tables)	12 Months Ended
	Dec. 31, 2020
Notes Tables
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]	December 31, 2020 2019 Numerator: Net income attributable to controlling interests $ 94,120 $ 26,443 Preferred stock and preferred unit dividends and accretion (17,070 ) (1,153 ) Net income attributable to common shareholders—basic 77,050 25,290 Effect of dilutive preferred stock dividends and accretion 2,400 26 Net income attributable to common shareholders—diluted $ 79,450 $ 25,316 Denominator: Basic (including unvested share-based payment awards) (1) 14,486 14,499 Effect of dilutive stock compensation arrangements and exchange of preferred stock 5,616 774 Diluted (including unvested share-based payment awards) (1) 20,102 15,273 Net income attributable to common shareholders per share—basic $ 5.32 $ 1.74 Net income attributable to common shareholders per share—diluted $ 3.95 $ 1.66

Note 15 - Stock-based Compens_2

Note 15 - Stock-based Compensation (Tables)	12 Months Ended
	Dec. 31, 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 143,500 $ 15.30 Exercised (407,533 ) $ 3.25 Expired/Forfeited — $ — Outstanding at December 31, 2020 2,423,466 $ 4.41 1.6 $ 48,992,890 Exercisable at December 31, 2020 1,835,467 $ 3.20 1.1 $ 39,325,783
Schedule of Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Grant Date Intrinsic Value [Table Text Block]	Year ended December 31, 2020 2019 Weighted average fair value per share of options granted $ 9.47 $ 1.90 Cash received from options exercised, net $ 1,326 $ 1,215 Aggregate intrinsic value of options exercised $ 5,726 $ 671 Grant date fair value of shares vested $ 944 $ 618

Note 1 - Description of Our B_2

Note 1 - Description of Our Business (Details Textual)	12 Months Ended
	Dec. 31, 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	12 Months Ended
	Dec. 31, 2020USD ($)	Dec. 31, 2019USD ($)
Payments to Acquire Loans and Leases Held-for-investment, Total	$ 185,000	$ 182,900
Loans and Leases Receivable, Deferred Income, Total	$ 39,456	$ 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	$ 28,200	$ 48,100
Percentage of Financing Receivable, Short-term Payment Deferral	5.60%
Percentage of Financing Receivable, Short-term Payment Deferral, Actively Enrolled	1.70%
Financing Receivable, Short-term Payment Deferral	$ 28,300
Financing Receivable, Allowance for Credit Loss, Recovery	$ 26,200	$ 11,600
Financing Receivable, Modifications, Number of Contracts	60,908	31,409
Financing Receivable, Troubled Debt Restructuring	$ 70,300	$ 43,300
Asset Impairment Charges, Total	$ 0	0
Other Income [Member]
Reduction in Accruals		$ 105,900
Equity Method Investment to Acquire Portfolio of Credit Card Receivables [Member]
Equity Method Investment, Ownership Percentage	66.70%
A Consumer Finance Technology Company [Member]
Cost-method Investments, Realized Gains	$ 2,000
Furniture and Fixtures [Member]
Property, Plant and Equipment, Useful Life (Year)	5 years
Computer Equipment [Member]
Property, Plant and Equipment, Useful Life (Year)	3 years
Receivables Recoveries from Employed Third-Party Collectors ][Member]
Financing Receivable, Allowance for Credit Loss, Recovery	$ 12,400
Receivable Recoveries from Sales of Charged-Off Accounts to Third-Parties [Member]
Financing Receivable, Allowance for Credit Loss, Recovery	$ 13,800

Note 2 - Significant Accounti_4

Note 2 - Significant Accounting Policies and Consolidated Financial Statement Components - Summary of Allowance for Uncollectible Loans and Fees Receivable (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Allowance for uncollectible loans, interest and fees receivable:
Balance at beginning of period	$ (186,300)	$ (79,200)
Provision for loan losses	(142,719)	(248,383)
Charge offs	230,200	152,900
Recoveries	(26,200)	(11,600)
Balance at end of period	(125,000)	(186,300)
Balance at end of period individually evaluated for impairment	(300)	(500)
Balance at end of period collectively evaluated for impairment	(124,700)	(185,800)
Loans, interest and fees receivable:
Loans, interest and fees receivable, gross	667,556	998,209
Loans, interest and fees receivable individually evaluated for impairment	2,300	2,200
Loans, interest and fees receivable collectively evaluated for impairment	665,300	996,000
Credit Card Receivable [Member]
Allowance for uncollectible loans, interest and fees receivable:
Balance at beginning of period	(121,300)	(35,400)
Provision for loan losses	(112,100)	(161,500)
Charge offs	155,100	80,200
Recoveries	(9,900)	(4,600)
Balance at end of period	(88,200)	(121,300)
Balance at end of period individually evaluated for impairment
Balance at end of period collectively evaluated for impairment	(88,200)	(121,300)
Loans, interest and fees receivable:
Loans, interest and fees receivable, gross	364,200	509,200
Loans, interest and fees receivable individually evaluated for impairment
Loans, interest and fees receivable collectively evaluated for impairment	364,200	509,200
Automobile Loan [Member]
Allowance for uncollectible loans, interest and fees receivable:
Balance at beginning of period	(1,600)	(1,300)
Provision for loan losses	(2,000)	(3,500)
Charge offs	3,000	4,600
Recoveries	(1,100)	(1,400)
Balance at end of period	(1,700)	(1,600)
Balance at end of period individually evaluated for impairment	(300)	(400)
Balance at end of period collectively evaluated for impairment	(1,400)	(1,200)
Loans, interest and fees receivable:
Loans, interest and fees receivable, gross	93,200	89,800
Loans, interest and fees receivable individually evaluated for impairment	2,300	2,100
Loans, interest and fees receivable collectively evaluated for impairment	90,900	87,700
Other Unsecured Lending Products [Member]
Allowance for uncollectible loans, interest and fees receivable:
Balance at beginning of period	(63,400)	(42,500)
Provision for loan losses	(28,600)	(83,400)
Charge offs	72,100	68,100
Recoveries	(15,200)	(5,600)
Balance at end of period	(35,100)	(63,400)
Balance at end of period individually evaluated for impairment		(100)
Balance at end of period collectively evaluated for impairment	(35,100)	(63,300)
Loans, interest and fees receivable:
Loans, interest and fees receivable, gross	210,200	399,200
Loans, interest and fees receivable individually evaluated for impairment		100
Loans, interest and fees receivable collectively evaluated for impairment	$ 210,200	$ 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	Dec. 31, 2020	Dec. 31, 2019
Delinquent loans and fees receivable, gross	$ 71,200	$ 153,200
Current loans, interest and fees receivable, gross	596,400	845,000
Loans, interest and fees receivable, gross	667,556	998,209
Balance of loans greater than 90-days delinquent still accruing interest and fees	1,500	1,900
Financial Asset, 30 to 59 Days Past Due [Member]
Delinquent loans and fees receivable, gross	25,100	43,800
Financial Asset, 60 to 89 Days Past Due [Member]
Delinquent loans and fees receivable, gross	14,600	33,000
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Delinquent loans and fees receivable, gross	31,500	76,400
Credit Card Receivable [Member]
Delinquent loans and fees receivable, gross	40,300	86,800
Current loans, interest and fees receivable, gross	323,900	422,400
Loans, interest and fees receivable, gross	364,200	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	12,400	21,700
Credit Card Receivable [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Delinquent loans and fees receivable, gross	8,000	18,500
Credit Card Receivable [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Delinquent loans and fees receivable, gross	19,900	46,600
Automobile Loan [Member]
Delinquent loans and fees receivable, gross	12,500	13,700
Current loans, interest and fees receivable, gross	80,700	76,100
Loans, interest and fees receivable, gross	93,200	89,800
Balance of loans greater than 90-days delinquent still accruing interest and fees	1,500	1,900
Automobile Loan [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Delinquent loans and fees receivable, gross	7,600	8,100
Automobile Loan [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Delinquent loans and fees receivable, gross	2,800	3,000
Automobile Loan [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Delinquent loans and fees receivable, gross	2,100	2,600
Other Unsecured Lending Products [Member]
Delinquent loans and fees receivable, gross	18,400	52,700
Current loans, interest and fees receivable, gross	191,800	346,500
Loans, interest and fees receivable, gross	210,200	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	5,100	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
		Dec. 31, 2020USD ($)	Dec. 31, 2019USD ($)
Amount of TDRs on non-accrual status (in thousands)		$ 70,300	$ 43,300
Point-of-Sale [Member]
Number of TDRs		12,394	10,682
Amount of TDRs on non-accrual status (in thousands)		$ 14,537	$ 14,468
Carrying value of TDRs (in thousands)		$ 9,583	$ 8,864
Number of accounts		3,065	2,835
Loan balance at time of charge off (in thousands)		$ 4,352	$ 4,397
Point-of-Sale [Member] | Performing Financial Instruments [Member]
Carrying value of TDRs (in thousands)	[1]	7,420	6,754
Point-of-Sale [Member] | Nonperforming Financial Instruments [Member]
Carrying value of TDRs (in thousands)	[1]	$ 2,163	$ 2,110
Point-of-Sale [Member] | Extended Maturity [Member]
Number of TDRs		2,788	2,788
Amount of TDRs on non-accrual status (in thousands)		$ 4,662	$ 5,118
Direct-to-Consumer [Member]
Number of TDRs		37,784	14,553
Amount of TDRs on non-accrual status (in thousands)		$ 26,989	$ 13,037
Carrying value of TDRs (in thousands)		$ 14,287	$ 7,312
Number of accounts		7,665	3,339
Loan balance at time of charge off (in thousands)		$ 6,745	$ 3,545
Direct-to-Consumer [Member] | Performing Financial Instruments [Member]
Carrying value of TDRs (in thousands)	[1]	11,855	6,106
Direct-to-Consumer [Member] | Nonperforming Financial Instruments [Member]
Carrying value of TDRs (in thousands)	[1]	$ 2,432	$ 1,206
Direct-to-Consumer [Member] | Extended Maturity [Member]
Number of TDRs		7,846	2,854
Amount of TDRs on non-accrual status (in thousands)		$ 6,890	$ 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 - Components of Revenue from Contracts with Customers (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2020	Dec. 31, 2019
Revenue from contracts with customers		$ 15,431	$ 13,754
Credit and Debit Card [Member]
Revenue from contracts with customers	[1]	9,500	8,495
Servicing Income [Member]
Revenue from contracts with customers		2,181	1,786
Service Charges and Other Customer Related Fees [Member]
Revenue from contracts with customers		3,750	3,473
Credit and Other Investments [Member]
Revenue from contracts with customers		14,372	12,759
Credit and Other Investments [Member] | Credit and Debit Card [Member]
Revenue from contracts with customers	[1]	9,500	8,495
Credit and Other Investments [Member] | Servicing Income [Member]
Revenue from contracts with customers		1,187	857
Credit and Other Investments [Member] | Service Charges and Other Customer Related Fees [Member]
Revenue from contracts with customers		3,685	3,407
Auto Finance [Member]
Revenue from contracts with customers		1,059	995
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		994	929
Auto Finance [Member] | Service Charges and Other Customer Related Fees [Member]
Revenue from contracts with customers		$ 65	$ 66
[1]	Interchange revenue is presented net of customer reward expense.

Note 3 - Segment Reporting (Det

Note 3 - Segment Reporting (Details Textual) $ in Thousands	12 Months Ended
	Dec. 31, 2020USD ($)	Dec. 31, 2019USD ($)
Number of Reportable Segments	2
Assets, Total	$ 1,207,214	$ 936,266
Non-US [Member]
Assets, Total	$ 0	$ 0

Note 3 - Segment Reporting - Su

Note 3 - Segment Reporting - Summary of Operating Segment Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Consumer loans, including past due fees	$ 410,616	$ 261,218
Fees and related income on earning assets	133,960	68,639
Other revenue	15,431	13,754
Other non-operating revenue	3,403	111,589
Total revenue	563,410	455,200
Interest expense	(51,548)	(50,730)
Provision for losses on loans, interest and fees receivable recorded at net realizable value	(142,719)	(248,383)
Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value	(108,548)	2,085
Net margin	260,595	158,172
Income before income taxes	114,391	31,763
Income tax benefit (expense)	(20,474)	(5,553)
Assets, Total	1,207,214	936,266
Credit and Other Investments [Member]
Consumer loans, including past due fees	378,817	229,774
Fees and related income on earning assets	133,891	68,558
Other revenue	14,372	12,759
Other non-operating revenue	3,360	111,507
Total revenue	530,440	422,598
Interest expense	(50,387)	(49,065)
Provision for losses on loans, interest and fees receivable recorded at net realizable value	(140,683)	(244,922)
Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value	(108,548)	2,085
Net margin	230,822	130,696
Income before income taxes	105,429	25,005
Income tax benefit (expense)	(18,257)	(3,830)
Assets, Total	1,124,618	856,354
Auto Finance [Member]
Consumer loans, including past due fees	31,799	31,444
Fees and related income on earning assets	69	81
Other revenue	1,059	995
Other non-operating revenue	43	82
Total revenue	32,970	32,602
Interest expense	(1,161)	(1,665)
Provision for losses on loans, interest and fees receivable recorded at net realizable value	(2,036)	(3,461)
Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value
Net margin	29,773	27,476
Income before income taxes	8,962	6,758
Income tax benefit (expense)	(2,217)	(1,723)
Assets, Total	$ 82,596	$ 79,912

Note 4 - Shareholders' Equity_2

Note 4 - Shareholders' Equity and Preferred Stock (Details Textual) - USD ($)	Mar. 30, 2020	Dec. 27, 2019	Dec. 31, 2020	Dec. 31, 2019	Nov. 14, 2019	Nov. 26, 2014
Temporary Equity, Shares Authorized (in shares)			10,000,000	10,000,000
Stock Repurchased and Retired During Period, Shares (in shares)			245,534	357,461
Stock Repurchased and Retired During Period, Value			$ 3,353,000	$ 2,517,000
Own-share Lending Arrangement, Shares, Outstanding (in shares)			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
Temporary Equity, Shares Authorized (in shares)		10,000,000
Temporary Equity, Shares Outstanding (in shares)		400,000	400,000	400,000
Temporary Equity, Liquidation Preference		$ 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)	Dec. 31, 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	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Assets, Total	$ 1,207,214	$ 936,266
Total liabilities	991,354	846,881
Members’ capital	76,510	335	$ (22,129)
Net margin	563,410	455,200
Net income	93,917	26,210
Net income attributable to investee	456	1,001
Equity Method Investment, Nonconsolidated Investee or Group of Investees [Member]
Loans, interest and fees receivables, at fair value	1,994	2,757
Assets, Total	2,105	2,922
Total liabilities	10	13
Members’ capital	2,095	2,909
Net margin	819	1,505
Net income	684	1,318
Net income attributable to investee	$ 456	$ 1,001

Note 6 - Fair Values of Asset_3

Note 6 - Fair Values of Assets and Liabilities (Details Textual)	Dec. 31, 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		Dec. 31, 2020	Dec. 31, 2019
Loans, interest and fees receivable, at fair value		$ 417,098	$ 4,386
Fair Value, Recurring [Member]
Loans, interest and fees receivable, net for which it is practicable to estimate fair value	[1]	503,139	721,573
Loans, interest and fees receivable, at fair value	[1]	417,098	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]	586,908	781,208
Loans, interest and fees receivable, at fair value	[1]	$ 417,098	$ 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	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Balance	$ 4,386	$ 6,306
Net revaluations of loans, interest and fees receivable, at fair value	(96,948)	1,251
Chargeoffs	(12,601)	(897)
Purchases	713,579
Settlements	(295,301)	(2,274)
Finance and fees	103,983
Balance	$ 417,098	$ 4,386

Note 6 - Fair Values of Asset_6

Note 6 - Fair Values of Assets and Liabilities - Quantitative Information about Level 3 Assets and Liabilities Fair Value Measurements (Details) $ in Thousands	Dec. 31, 2020USD ($)	Dec. 31, 2019USD ($)
Loans, interest and fees receivable, at fair value	$ 417,098	$ 4,386
Notes Payable Associated with Structured Financings, Fair Value	2,919	3,920
Valuation Technique, Discounted Cash Flow [Member]
Notes Payable Associated with Structured Financings, Fair Value	2,919	3,920
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Gross Yield [Member]
Loans, interest and fees receivable, at fair value	$ 417,098	$ 4,386
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Gross Yield [Member] | Minimum [Member]
Loans and fees receivable, measurement input	0.227	0.255
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Gross Yield [Member] | Maximum [Member]
Loans and fees receivable, measurement input	0.565	0.537
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Gross Yield [Member] | Weighted Average [Member]
Loans and fees receivable, measurement input	0.433	0.286
Notes payable associated with structured financings, measurement input	0.237	0.255
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Constant Prepayment Rate [Member] | Minimum [Member]
Loans and fees receivable, measurement input	0.039	0.04
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Constant Prepayment Rate [Member] | Maximum [Member]
Loans and fees receivable, measurement input	0.114	0.095
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Constant Prepayment Rate [Member] | Weighted Average [Member]
Loans and fees receivable, measurement input	0.085	0.046
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Prepayment Rate [Member] | Weighted Average [Member]
Notes payable associated with structured financings, measurement input	0.039	0.04
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Default Rate [Member] | Minimum [Member]
Loans and fees receivable, measurement input	0.069	0.105
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Default Rate [Member] | Maximum [Member]
Loans and fees receivable, measurement input	0.314	0.417
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Default Rate [Member] | Weighted Average [Member]
Loans and fees receivable, measurement input	0.248	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	0.029	0.113
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Servicing Rate [Member] | Maximum [Member]
Loans and fees receivable, measurement input	0.142	0.169
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Servicing Rate [Member] | Weighted Average [Member]
Loans and fees receivable, measurement input	0.043	0.119
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Discount Rate [Member] | Minimum [Member]
Loans and fees receivable, measurement input	0.128	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	Dec. 31, 2020	Dec. 31, 2019
Revolving credit facilities	$ 857,068	$ 720,687
Amortizing debt facilities	25,542	28,522
Convertible senior notes	24,386	24,091
Notes Payable Associated with Structured Financings, Fair Value	2,919	3,920
Fair Value, Inputs, Level 1 [Member]
Revolving credit facilities
Amortizing debt facilities
Convertible senior notes
Notes Payable Associated with Structured Financings, Fair Value
Fair Value, Inputs, Level 2 [Member]
Revolving credit facilities
Amortizing debt facilities
Convertible senior notes	41,284	16,920
Notes Payable Associated with Structured Financings, Fair Value
Fair Value, Inputs, Level 3 [Member]
Revolving credit facilities	857,068	720,687
Amortizing debt facilities	25,542	28,522
Convertible senior notes
Notes Payable Associated with Structured Financings, Fair Value	$ 2,919	$ 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	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Balance	$ 3,920	$ 5,651
Net revaluations of notes payable associated with structured financings, at fair value	(1,001)	(1,731)
Repayments on outstanding notes payable, net
Balance	$ 2,919	$ 3,920

Note 6 - Fair Values of Asset_9

Note 6 - Fair Values of Assets and Liabilities - Summary of Other Relevant Data (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Loans, interest and fees receivable, at fair value	$ 417,098	$ 4,386
Loans and Fees Receivable at Fair Value [Member]
Aggregate unpaid gross balance of loans, interest and fees receivable that are reported at fair value	630	713
Aggregate unpaid principal balance included within loans, interest and fees receivable that are reported at fair value	589	644
Loans, interest and fees receivable, at fair value	540	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	4	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	2,919	3,920
Loans and Fees Receivable Pledged as Collateral, Fair Value [Member]
Aggregate unpaid gross balance of loans, interest and fees receivable that are reported at fair value	515,434	5,691
Aggregate unpaid principal balance included within loans, interest and fees receivable that are reported at fair value	487,779	5,280
Loans, interest and fees receivable, at fair value	416,558	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)	1,847	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	$ 12,972	$ 185

Note 7 - Property (Details Text

Note 7 - Property (Details Textual) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Depreciation, Total	$ 1.2	$ 1.1

Note 7 - Property - Schedule of

Note 7 - Property - Schedule of Property (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Property, plant and equipment	$ 30,124	$ 29,375
Less accumulated depreciation	(27,884)	(26,637)
Property, net	2,240	2,738
Software and Software Development Costs [Member]
Property, plant and equipment	4,122	3,543
Furniture and Fixtures [Member]
Property, plant and equipment	6,548	6,431
Data Processing and Telephone Equipment [Member]
Property, plant and equipment	7,728	7,675
Leasehold Improvements [Member]
Property, plant and equipment	10,570	10,570
Other Capitalized Property Plant and Equipment [Member]
Property, plant and equipment	$ 1,156	$ 1,156

Note 8 - Leases (Details Textua

Note 8 - Leases (Details Textual)	12 Months Ended
	Dec. 31, 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	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Operating lease cost, gross	$ 6,879	$ 6,875
Sublease income	(5,133)	(5,133)
Net Operating lease cost	1,746	1,742
Cash paid under operating leases, gross	$ 10,278	$ 10,080
Weighted average remaining lease term - months (Month)	1 year 210 days
Weighted average discount rate	6.80%

Note 8 - Leases - Maturities of

Note 8 - Leases - Maturities of Lease Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
2021, gross	$ 10,380
2021, payments received from sublease	(7,315)
2021, net lease payment	3,065
2022, gross	4,568
2022, payments received from sublease	(3,112)
2022, net lease payment	1,456
2023, gross	285
2023, payments received from sublease
2023, net lease payment	285
2024, gross	100
2024, payments received from sublease
2024, net lease payment	100
2025, gross	34
2025, payments received from sublease
2025, net lease payment	34
Thereafter, gross
Thereafter, payments received from sublease
Thereafter, net lease payment
Gross	15,367
Sublease income, payments received from sublease	(10,427)
Lease payments, net lease payment	4,940
Less imputed interest, gross	(1,591)
Less imputed interest, payments received from sublease
Less imputed interest, net
Total, net	13,776	$ 22,259
Total, payments received from sublease
Total, net

Note 9 - Variable Interest En_3

Note 9 - Variable Interest Entities - Summary of Variable Interest Entities (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Unrestricted cash and cash equivalents	$ 178,102	$ 135,379
Restricted cash and cash equivalents	80,859	41,015
Loans, interest and fees receivable, at fair value	417,098	4,386
Loans, interest and fees receivable, gross	667,556	998,209
Allowances for uncollectible loans, interest and fees receivable	(124,961)	(186,329)
Deferred revenue	(39,456)	(90,307)
Total Assets held by VIEs	1,207,214	936,266
Notes Payable, net held by VIEs	882,610	749,209
Notes Payable, at fair value held by VIEs	2,919	3,920
Maximum exposure to loss due to involvement with VIEs	864,400	653,200
Variable Interest Entity, Primary Beneficiary [Member]
Unrestricted cash and cash equivalents	96,600	78,700
Restricted cash and cash equivalents	70,200	25,900
Loans, interest and fees receivable, at fair value	374,200	3,900
Loans, interest and fees receivable, gross	560,200	857,200
Allowances for uncollectible loans, interest and fees receivable	(120,900)	(168,800)
Deferred revenue	(10,300)	(40,700)
Total Assets held by VIEs	970,000	756,200
Notes Payable, net held by VIEs	827,100	691,500
Notes Payable, at fair value held by VIEs	$ 2,900	$ 3,900

Note 10 - Notes Payable (Detail

Note 10 - Notes Payable (Details Textual) - USD ($)

1 Months Ended

12 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

Dec. 31, 2020

Dec. 31, 2019

Sep. 30, 2019

Aug. 26, 2019

Dec. 31, 2018

Feb. 28, 2017

Oct. 31, 2015

Nov. 30, 2005

Notes Payable Associated with Structured Financings, Fair Value

$ 2,919,000

$ 3,920,000

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

0

Long-term Line of Credit, Total

857,068,000

720,687,000

Proceeds from Issuance of Long-term Debt, Total

$ 250,000,000

$ 100,000,000

$ 200,000,000

$ 200,000,000

$ 167,300,000

588,229,000

873,340,000

Asset Backed Securities, Term of Revolving Structure (Year)

3 years 150 days

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

1 year 180 days

Asset Backed Securities, Weighted Average Interest Rate

4.10%

5.47%

4.91%

5.37%

5.76%

Convertible Debt [Member] | Five Point Eight Seven Five Percent Convertible Senior Notes Due Two Thousand Thirty Five [Member]

Debt Instrument, Interest Rate, Stated Percentage

5.875%

Debt Instrument, Face Amount

33,839,000

$ 33,839,000

$ 54,400,000

$ 300,000,000

Debt Instrument, Repurchase Amount

$ 16,300,000

Term Note [Member]

Debt Instrument, Interest Rate, Stated Percentage

8.00%

Long-term Debt, Total

$ 17,400,000

Minimum [Member]

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

$ 50,000,000

Long-term Line of Credit, Total

50,000,000

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

Line of Credit Facility, Maximum Borrowing Capacity

$ 30,000,000

Long-term Line of Credit, Total

5,000,000

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

Line of Credit Facility, Maximum Borrowing Capacity

$ 40,000,000

55,000,000

Long-term Line of Credit, Total

34,900,000

December 2016 Revolving Credit Facility [Member]

Line of Credit Facility, Maximum Borrowing Capacity

$ 20,000,000

Long-term Line of Credit, Total

0

Trust Funding Notes Facility [Member]

Line of Credit Facility, Maximum Borrowing Capacity

70,000,000

$ 90,000,000

Long-term Line of Credit, Total

5,800,000

Trust Funding Notes Facility [Member] | Maximum [Member]

Debt Instrument, Interest Rate, Stated Percentage

14.00%

December 2017 Revolving Credit Facility [Member]

Line of Credit Facility, Maximum Borrowing Capacity

$ 15,000,000

Long-term Line of Credit, Total

7,800,000

Additional Trust Funding Notes Facilities [Member]

Line of Credit Facility, Maximum Borrowing Capacity

110,000,000

$ 200,000,000

Long-term Line of Credit, Total

12,500,000

September 2018 Revolving Credit Facility [Member]

Line of Credit Facility, Maximum Borrowing Capacity

$ 50,000,000

Long-term Line of Credit, Total

0

June 2019 Revolving Credit Facility [Member]

Line of Credit Facility, Maximum Borrowing Capacity

$ 15,000,000

Long-term Line of Credit, Total

$ 4,700,000

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%

Note 10 - Notes Payable - Sched

Note 10 - Notes Payable - Schedule of Structured Financing Notes Payable (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Securitization facility (stated maturity of December 2021), outstanding face amount of $101.3 million as of December 31, 2020 ($101.3 million as of December 31, 2019) bearing interest at a weighted average 5.7% interest rate, based upon LIBOR, at December 31, 2020 (6.9% at December 31, 2019), which is secured by credit card receivables and restricted cash aggregating $2.9 million as of December 31, 2020 ($3.9 million as of December 31, 2019) in carrying amount	$ 2,919	$ 3,920
Securitization Financing Facility [Member]
Securitization facility (stated maturity of December 2021), outstanding face amount of $101.3 million as of December 31, 2020 ($101.3 million as of December 31, 2019) bearing interest at a weighted average 5.7% interest rate, based upon LIBOR, at December 31, 2020 (6.9% at December 31, 2019), which is secured by credit card receivables and restricted cash aggregating $2.9 million as of December 31, 2020 ($3.9 million as of December 31, 2019) in carrying amount	$ 2,900	$ 3,900

Note 10 - Notes Payable - Sch_2

Note 10 - Notes Payable - Schedule of Structured Financing Notes Payable (Details) (Parentheticals) - Securitization Financing Facility [Member] - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 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	$ 2.9	$ 3.9
London Interbank Offered Rate (LIBOR) [Member]
Amortizing securitization facility, weighted average interest rate	5.70%	6.90%

Note 10 - Notes Payable - Sch_3

Note 10 - Notes Payable - Schedule of Notes Payable at Face Value and Notes Payable to Related Parties (Details) - USD ($) $ in Thousands		Dec. 31, 2020	Dec. 31, 2019
Revolving credit facilities		$ 857,068	$ 720,687
Amortizing debt facilities		25,542	28,522
Total notes payable before unamortized debt issuance costs and discounts	[1]	891,300	758,900
Unamortized debt issuance costs and discounts	[1]	(8,700)	(9,700)
Total notes payable outstanding, net	[1]	882,600	749,200
Other Secured Debt [Member]
Amortizing debt facilities	[1]	3,200	1,200
Phoenix [Member]
Unsecured term debt (expiring August 26, 2024) with a weighted average interest rate equal to 8.0% (3)	[1],[2]	17,400	17,400
Amortizing Debt Facility [Member]
Amortizing debt facilities	[1],[2],[3],[4],[5]		19,400
Amortizing Debt Facility Two [Member]
Amortizing debt facilities	[1],[2],[3],[4],[5]	5,000	10,000
Revolving Credit Facility Expiring November 1, 2020 [Member]
Revolving credit facilities	[1],[2],[5],[6]	34,900	39,100
Revolving Credit Facility Expiring October 30, 2022 [Member]
Revolving credit facilities	[1],[2],[3],[4],[5]	50,000	40,500
Revolving Credit Facility Expiring February 8, 2022 [Member]
Revolving credit facilities	[1],[2],[3],[4],[5],[7]	5,800	25,800
Revolving Credit Facility Expiring October 15, 2021 [Member]
Revolving credit facilities	[1],[2],[3],[4],[5],[7]	10,000
Revolving Credit Facility Expiring July 15 2021 [Member]
Revolving credit facilities	[1],[2],[3],[4],[5]	4,700	14,600
Revolving Credit Facility Expiring August 15, 2022 [Member]
Revolving credit facilities	[1],[2],[3],[4],[5],[7]	2,500
Revolving Credit Facility Repaid October 2020 [Member]
Revolving credit facilities	[1],[2],[3],[4],[7]		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]	7,800	8,600
Revolving Credit Facility Expiring Repaid July 2020 [Member]
Revolving credit facilities	[1],[2],[3],[4],[5]		15,000
Revolving Credit Facility Expiring January 15, 2025 [Member]
Revolving credit facilities	[1],[2],[3],[4],[7]	100,000
Revolving Credit Facility Expiring October 15, 2025 [Member]
Revolving credit facilities	[1],[2],[3],[4],[7]	$ 250,000
[1]	As of December 31, 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 variable interest entities.
[4]	Loans are subject to certain affirmative covenants tied to default rates and other performance metrics the failure of which could result in required early repayment of the remaining unamortized balances of the notes.
[5]	These notes reflect modifications to either extend the maturity date, increase the loan amount or both, and are treated as accounting modifications.
[6]	Loan is subject to certain affirmative covenants, including a coverage ratio, a leverage ratio and a collateral performance test, the failure of which could result in required early repayment of all or a portion of the outstanding balance by our CAR Auto Finance operations.
[7]	Creditors do not have recourse against the general assets of the Company but only to the collateral within the VIEs.

Note 10 - Notes Payable - Sch_4

Note 10 - Notes Payable - Schedule of Notes Payable at Face Value and Notes Payable to Related Parties (Details) (Parentheticals) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2020	Dec. 31, 2019	Oct. 31, 2015
Amortizing Debt Facility [Member]
Amortizing securitization facility, maturity date	[1],[2],[3],[4],[5]	Dec. 31, 2020	Dec. 31, 2020
Revolving Credit Facility Expiring November 1, 2020 [Member]
Revolving credit facility, maximum borrowing capacity	[1],[4],[5],[6]	$ 55,000	$ 55,000
Revolving credit facility, expiration date	[1],[4],[5],[6]	Nov. 1, 2023	Nov. 1, 2023
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],[5],[7]	$ 70,000	$ 70,000
Revolving credit facility, expiration date	[1],[2],[3],[4],[5],[7]	Feb. 8, 2022	Feb. 8, 2022
Revolving Credit Facility Expiring October 15, 2021 [Member]
Revolving credit facility, maximum borrowing capacity	[1],[2],[3],[4],[5],[7]	$ 10,000	$ 10,000
Revolving credit facility, expiration date	[1],[2],[3],[4],[5],[7]	Oct. 15, 2021	Oct. 15, 2021
Revolving Credit Facility Expiring July 15 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]	Jul. 15, 2021	Jul. 15, 2021
Revolving Credit Facility Expiring August 15, 2022 [Member]
Revolving credit facility, maximum borrowing capacity	[1],[2],[3],[4],[5],[7]	$ 100,000	$ 100,000
Revolving credit facility, expiration date	[1],[2],[3],[4],[5],[7]	Aug. 15, 2022	Aug. 15, 2022
Revolving Credit Facility Repaid October 2020 [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]	Oct. 31, 2020	Oct. 31, 2020
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 Expiring Repaid July 2020 [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]	Jul. 31, 2020	Jul. 31, 2020
Revolving Credit Facility Expiring January 15, 2025 [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]	Jan. 15, 2025	Jan. 15, 2025
Revolving Credit Facility Expiring October 15, 2025 [Member]
Revolving credit facility, maximum borrowing capacity	[1],[2],[3],[4],[7]	$ 250,000	$ 250,000
Revolving credit facility, expiration date	[1],[2],[3],[4],[7]	Oct. 15, 2025	Oct. 15, 2025
Revolving Credit Facility [Member]
Revolving credit facility, maximum borrowing capacity				$ 50,000
Amortizing securitization facility, weighted average interest rate	[1]	4.80%	6.00%
Amount of securing assets	[1]	$ 943,600	$ 740,400
[1]	As of December 31, 2020, the LIBOR rate was 0.15% and the prime rate was 3.25%.
[2]	Loans are associated with variable interest entities.
[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.
[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 11 - Convertible Senior _3

Note 11 - Convertible Senior Notes (Details Textual)	Aug. 26, 2019USD ($)	Nov. 30, 2005USD ($)shares	Dec. 31, 2020USD ($)$ / sharesshares	Dec. 31, 2019USD ($)shares
Gain (Loss) on Repurchase of Debt Instrument				$ 5,127,000
Own-share Lending Arrangement, Shares, Outstanding (in shares) | shares			1,459,233	1,459,233
Amortization of Debt Discount (Premium)			$ 585,000	$ 818,000
Bear Sterns International Limited [Member]
Own-share Lending Arrangement, Shares, Outstanding (in shares) | shares		5,677,950	1,459,233
Own-share Lending Arrangement, Shares, Outstanding, Value			$ 35,900,000
Term Note [Member]
Debt Instrument, Interest Rate, Stated Percentage	8.00%
Long-term Debt, Total	$ 17,400,000
Five Point Eight Seven Five Percent Convertible Senior Notes Due Two Thousand Thirty Five [Member]
Debt Instrument, Convertible, Conversion Price (in dollars per share) | $ / shares			$ 24.61
Five Point Eight Seven Five Percent Convertible Senior Notes Due Two Thousand Thirty Five [Member] | Convertible Debt [Member]
Debt Instrument, Face Amount	54,400,000	$ 300,000,000	$ 33,839,000	33,839,000
Debt Instrument, Interest Rate, Stated Percentage		5.875%
Debt Instrument, Maturity Date		Nov. 30, 2035
Debt Instrument, Repurchase Amount	16,300,000
Gain (Loss) on Repurchase of Debt Instrument	$ 5,100,000
Debt Instrument, Convertible, Conversion Ratio			40.63
Debt Instrument, Convertible, Conversion Price (in dollars per share) | $ / shares			$ 24.61
Debt Instrument, Convertible, Cash Paid Per $1,000 Principal Held			$ 1,000
Amortization of Debt Discount (Premium)			300,000	500,000
Interest Payable			$ 2,000,000	$ 3,900,000
Debt, Weighted Average Interest Rate			9.20%	9.20%

Note 11 - Convertible Senior _4

Note 11 - Convertible Senior Notes - Summary of Convertible Senior Notes (Details) - USD ($)	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Aug. 26, 2019	Nov. 30, 2005
Net carrying value	$ 24,386,000	$ 24,091,000
Five Point Eight Seven Five Percent Convertible Senior Notes Due Two Thousand Thirty Five [Member] | Convertible Debt [Member]
Face amount of convertible senior notes	33,839,000	33,839,000	$ 54,400,000	$ 300,000,000
Discount	(9,453,000)	(9,748,000)
Net carrying value	24,386,000	24,091,000
Carrying amount of equity component included in paid-in capital	108,714,000	108,714,000
Excess of instruments’ if-converted values over face principal amounts

Note 12 - Commitments and Con_2

Note 12 - Commitments and Contingencies (Details Textual) $ in Millions	Dec. 31, 2020USD ($)
Pledged Assets, Other, Not Separately Reported on Statement of Financial Position, Total	$ 10.6
Unfunded Individual Credit Commitment [Member]
Other Commitment, Total	1.6
Unfunded Outstanding Floor-Plan Financing Commitment [Member]
Other Commitment, Total	9.9
Credit Protection Program [Member]
Loss Contingency, Estimate of Possible Loss	27.5
Loss Contingency Accrual, Ending Balance	$ 0.5

Note 13 - Income Taxes (Details

Note 13 - Income Taxes (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Effective Income Tax Rate Reconciliation, Percent, Total	17.90%	17.50%
Deferred Tax Assets, Valuation Allowance, Total	$ 31,701	$ 39,161
Deferred Tax Assets, Operating Loss Carryforwards, Domestic	10,700
Deferred Tax Assets, Capital Loss Carryforwards	$ 600
Open Tax Year	2016 2017 2018 2019 2020
Unrecognized Tax Benefits that Would Impact Effective Tax Rate	$ 600	500
Capital Loss Carryforward [Member]
Tax Credit Carryforward, Amount	2,400
State and Local Jurisdiction [Member]
Valuation Allowance, Deferred Tax Asset, Increase (Decrease), Amount	(2,000)
Domestic Tax Authority [Member]
Operating Loss Carryforwards, Total	51,000
Income Tax Expense (Benefit) [Member]
Income Tax Examination, Penalties and Interest Expense, Net Reversal	$ 1,000
Income Tax Examination, Penalties and Interest Expense, Total		$ 100

Note 13 - Income Taxes - Schedu

Note 13 - Income Taxes - Schedule of Components of Income Tax Expense (Benefit) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Current tax benefit, federal	$ 1,351	$ 279
Deferred tax (expense), federal	(21,752)	(5,395)
Total federal income tax (expense)	(20,401)	(5,116)
Current tax benefit (expense), foreign	(143)	25
Deferred tax (expense), foreign	(5)	(15)
Total foreign income tax (expense) benefit	(148)	10
Current tax (expense), state and other	(1,228)	(709)
Deferred tax benefit, state and other	1,303	262
Total state and other income tax benefit (expense)	75	(447)
Total income tax (expense)	$ (20,474)	$ (5,553)

Note 13 - Income Taxes - Sche_2

Note 13 - Income Taxes - Schedule of Effective Income Tax Rate Reconciliation (Details)	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Statutory federal expense rate	21.00%	21.00%
Federal valuation allowance		(4.40%)
Global intangible low-taxed income	0.20%	0.80%
Interest and penalties related to uncertain tax positions and IRS settlement adjustment	(0.60%)	0.60%
Interest expense on preferred stock as debt treatment	(2.60%)
Foreign taxes, net of valuation allowance	(0.20%)	(0.50%)
Permanent and other prior year true ups and tax effect of non-controlling interest	0.20%	(1.10%)
State taxes, net of valuation allowance	(0.10%)	1.10%
Effective expense rate	17.90%	17.50%

Note 13 - Income Taxes - Sche_3

Note 13 - Income Taxes - Schedule of Deferred Tax Assets and Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Software development costs/fixed assets	$ 75
Goodwill and intangible assets		113
Provision for loan loss	30,080	36,172
Credit card fair value election differences	173
Equity-based compensation	715	792
Accrued expenses	466	386
Accruals for state taxes and interest associated with unrecognized tax benefits	121	108
Federal net operating loss and capital loss carry-forwards	11,279	18,643
Federal tax credits and minimum tax credit carry-forward	25	520
Foreign net operating loss carry-forward	306	537
Interest expense on preferred stock with debt treatment for tax purposes	631
Other	202	40
State tax benefits, primarily from net operating losses	36,052	40,937
Deferred tax assets, gross	80,125	98,248
Valuation allowances	(31,701)	(39,161)
Deferred tax assets net of valuation allowance	48,424	59,087
Prepaid expenses and other	(225)	(1,217)
Software development costs/fixed assets		(176)
Equity in income of equity-method investee	(1,457)	(1,154)
Credit card fair value election differences		(21,513)
Market discount on loans	(61,255)	(29,834)
Deferred costs	(545)	(542)
Convertible senior notes	(10,057)	(9,309)
Deferred tax (liabilities), gross	(73,539)	(63,745)
Deferred tax (liabilities), net	$ (25,115)	$ (4,658)

Note 13 - Income Taxes - Unreco

Note 13 - Income Taxes - Unrecognized Tax Benefits Rollforward (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Balance	$ (513)	$ (414)
Reductions based on tax positions related to prior years		13
Additions based on tax positions related to prior years	48
Additions based on tax positions related to the current year	(82)	(83)
Interest and penalties accrued	(30)	(29)
Balance	$ (577)	$ (513)

Note 14 - Net Income Attribut_3

Note 14 - Net Income Attributable to Controlling Interests Per Common Share (Details Textual) xbrli-pure in Millions	3 Months Ended	12 Months Ended
	Sep. 30, 2020shares	Dec. 31, 2020$ / sharesshares	Dec. 31, 2019shares
Weighted Average Number of Shares, Restricted Stock (in shares)		431,262	512,636
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount (in shares)		100,000	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
Debt Instrument, Convertible, Conversion Price (in dollars per share) | $ / shares		$ 24.61
Debt Instrument, Convertible, Number of Equity Instruments		1.4
Series A Preferred Stock [Member]
Incremental Common Shares Attributable to Dilutive Effect of Conversion of Preferred Stock (in shares)		3,793,869	0

Note 14 - Net Income Attribut_4

Note 14 - Net Income Attributable to Controlling Interests Per Common Share - Summary of Earning Per Share (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands		12 Months Ended
		Dec. 31, 2020	Dec. 31, 2019
Net income attributable to controlling interests		$ 94,120	$ 26,443
Preferred stock and preferred unit dividends and accretion		(17,070)	(1,153)
Net income attributable to common shareholders—basic		77,050	25,290
Effect of dilutive preferred stock dividends and accretion		2,400	26
Net income attributable to common shareholders—diluted		$ 79,450	$ 25,316
Basic (including unvested share-based payment awards) (1) (in shares)	[1]	14,486	14,499
Effect of dilutive stock compensation arrangements and exchange of preferred stock (in shares)		5,616	774
Diluted (including unvested share-based payment awards) (1) (in shares)	[1]	20,102	15,273
Net income attributable to common shareholders per common share—basic (in dollars per share)		$ 5.32	$ 1.74
Net income attributable to common shareholders per common share—diluted (in dollars per share)		$ 3.95	$ 1.66
[1]	Shares related to unvested share-based payment awards included in our basic and diluted share counts were 431,262 for the year ended December 31, 2020, compared to 512,636 for the year ended December 31, 2019.

Note 15 - Stock-based Compens_3

Note 15 - Stock-based Compensation (Details Textual) - USD ($) $ in Thousands	May 09, 2019	Dec. 31, 2020	Dec. 31, 2019
Adjustment to Additional Paid in Capital, Income Tax Effect from Share-based Compensation, Net, Total		$ 0	$ 0
Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period (in shares)		61,373	229,500
Share-based Payment Arrangement, Expensed and Capitalized, Amount, Total		$ 600	$ 900
Share-based Payment Arrangement, Expense		800	1,000
Share-based Payment Arrangement, Nonvested Award, Excluding Option, Cost Not yet Recognized, Amount		$ 500
Share-based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Period for Recognition (Year)		1 year 36 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		$ 500	700
Share-based Compensation Arrangement by Share-based Payment Award, Expiration Period (Year)		10 years
Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Expected Dividend Rate		0.00%
Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Expected Term (Year)		5 years
Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Expected Volatility Rate		77.70%
Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Risk Free Interest Rate		0.46%
Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Fair Value		$ 1,400
Share-based Payment Arrangement, Nonvested Award, Option, Cost Not yet Recognized, Amount		$ 1,400	$ 500
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)		1,670,226
Employee Stock Purchase Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant (in shares)		56,562

Note 15 - Stock-based Compens_4

Note 15 - Stock-based Compensation - Summary of Outstanding Options (Details)	12 Months Ended
	Dec. 31, 2020USD ($)$ / sharesshares
Outstanding (in shares) | shares	2,687,499
Outstanding, weighted average exercise price (in dollars per share) | $ / shares	$ 3.66
Issued (in shares) | shares	143,500
Issued, weighted average exercise price (in dollars per share) | $ / shares	$ 15.30
Exercised (in shares) | shares	(407,533)
Exercised, weighted average exercise price (in dollars per share) | $ / shares	$ 3.25
Expired/Forfeited (in shares) | shares
Expired/Forfeited, weighted average exercise price (in dollars per share) | $ / shares
Outstanding (in shares) | shares	2,423,466
Outstanding, weighted average exercise price (in dollars per share) | $ / shares	$ 4.41
Outstanding, weighted average remaining contractual life (Year)	1 year 219 days
Outstanding, aggregate intrinsic value | $	$ 48,992,890
Exercisable (in shares) | shares	1,835,467
Exercisable, weighted average exercise price (in dollars per share) | $ / shares	$ 3.20
Exercisable, weighted average remaining contractual life (Year)	1 year 36 days
Exercisable, aggregate intrinsic value | $	$ 39,325,783

Note 15 - Stock-based Compens_5

Note 15 - Stock-based Compensation - Information of Stock Options Granted, Exercised and Vested (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Weighted average fair value per share of options granted (in dollars per share)	$ 9.47	$ 1.90
Proceeds from exercise of stock options	$ 1,326	$ 1,215
Aggregate intrinsic value of options exercised	5,726	671
Grant date fair value of shares vested	$ 944	$ 618

Note 16 - Employee Benefit Pl_2

Note 16 - Employee Benefit Plans (Details Textual) - USD ($)	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Defined Contribution Plan Eligibility (Month)	90 days
Defined Contribution Plan, Employer Matching Contribution, Percent of Match	3.00%
Defined Contribution Plan, Employer Discretionary Contribution Amount	$ 197,214	$ 285,618
Employee Stock Purchase Plan, Percent of Wages Withheld, Maximum	10.00%
Employee Stock Purchase Plan, Max Annual Contribution by Employees	$ 10,000
Percent of Purchase Price to Company's Common Stock on Last Day of Offering Period	85.00%
Stock Issued During Period, Value, Employee Stock Purchase Plan	$ 106,775	$ 108,466
Stock Issued During Period, Shares, Employee Stock Purchase Plans (in shares)	9,209	19,641
Employee Stock Purchase Plan, Shares Authorized (in shares)	100,000
Employee Stock Purchase Plan, Employer Expense During Period	$ 31,748	$ 31,954

Note 17 - Related Party Trans_2

Note 17 - Related Party Transactions (Details Textual)	Dec. 27, 2019USD ($)$ / sharesshares	Dec. 31, 2020USD ($)ft²shares	Dec. 31, 2019USD ($)shares	Nov. 26, 2014USD ($)	Jun. 30, 2007ft²
Related Party Transaction, Percent of Common Stock Purchase to Trigger Share Sale		50.00%
Debt Satisfied By Issuance of Series A Preferred Stock [Member]
Debt Conversion, Original Debt, Amount	$ 40,000,000
Series A Preferred Stock [Member]
Temporary Equity, Shares Issued (in shares) | shares	400,000	400,000	400,000
Temporary Equity, Liquidation Preference	$ 40,000,000	$ 40,000,000
Preferred Stock, Dividend Rate, Percentage	6.00%
Temporary Equity, Redemption Price Per Share (in dollars per share) | $ / shares	$ 100
Temporary Equity, Conversion Price Per Share (in dollars per share) | $ / shares	$ 10
Chief Executive Officer [Member]
Area of Real Estate Property (Square Foot) | ft²		600			1,000
Related Party Transaction, Other Revenues from Transactions with Related Party		$ 16,960	$ 16,627
Related Party Transaction, Due from (to) Related Party, Noncurrent, Total		24,567
Related Party Transaction, Amounts of Transaction		$ 334,526	$ 269,072
Dove Ventures, LLC [Member] | Senior Secured Term Loan Facility [Member]
Line of Credit Facility, Maximum Borrowing Capacity				$ 40,000,000