Atlanticus (ATLC) 10-K 15 Mar 22 2021 FY Annual report Financial data

Document And Entity Information

Document And Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2021	Mar. 08, 2022	Jun. 30, 2021
Document Information [Line Items]
Entity Central Index Key	0001464343
Entity Registrant Name	Atlanticus Holdings Corp
Amendment Flag	false
Current Fiscal Year End Date	--12-31
Document Fiscal Period Focus	FY
Document Fiscal Year Focus	2021
Document Type	10-K
Document Annual Report	true
Document Period End Date	Dec. 31, 2021
Document Transition Report	false
Entity Incorporation, State or Country Code	GA
Entity Tax Identification Number	58-2336689
Entity File Number	0-53717
Entity Address, Address Line One	Five Concourse Parkway, Suite 300
Entity Address, City or Town	Atlanta
Entity Address, State or Province	GA
Entity Address, Postal Zip Code	30328
City Area Code	770
Local Phone Number	828-2000
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	false
ICFR Auditor Attestation Flag	true
Entity Shell Company	false
Entity Public Float			$ 286,400,000
Entity Common Stock, Shares Outstanding		14,884,807
Auditor Name	BDO USA, LLP
Auditor Location	Atlanta, GA
Auditor Firm ID	243
Senior Notes [Member]
Document Information [Line Items]
Title of 12(b) Security	Senior Notes due 2026
Trading Symbol	ATLCL
Security Exchange Name	NASDAQ
Series B Preferred Stock [Member]
Document Information [Line Items]
Title of 12(b) Security	Series B Preferred Stock, no par value per share
Trading Symbol	ATLCP
Security Exchange Name	NASDAQ
Common Stock [Member]
Document Information [Line Items]
Title of 12(b) Security	Common stock, no par value per share
Trading Symbol	ATLC
Security Exchange Name	NASDAQ

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands		Dec. 31, 2021	Dec. 31, 2020
Assets
Unrestricted cash and cash equivalents		$ 409,660	$ 178,102
Restricted cash and cash equivalents		96,968	80,859
Loans, interest and fees receivable:
Loans, interest and fees receivable, at fair value		1,026,424	417,098
Loans, interest and fees receivable, gross		470,293	667,556
Allowances for uncollectible loans, interest and fees receivable (including $55.1 million and $120.9 million associated with variable interest entities at December 31, 2021 and December 31, 2020, respectively)		(57,201)	(124,961)
Deferred revenue (including $8.2 million and $10.3 million associated with variable interest entities at December 31, 2021 and December 31, 2020, respectively)		(29,281)	(39,456)
Net loans, interest and fees receivable		1,410,235	920,237
Property at cost, net of depreciation		7,335	2,240
Investments in equity-method investee		0	1,415
Operating lease right-of-use assets		4,016	9,181
Prepaid expenses and other assets		15,649	15,180
Total assets		1,943,863	1,207,214
Liabilities
Accounts payable and accrued expenses		42,287	41,731
Operating lease liabilities		4,842	13,776
Notes Payable, net held by VIEs		1,278,864	882,610
Notes payable associated with structured financings, at fair value (associated with variable interest entities)		0	2,919
Convertible senior notes		0	24,386
Senior notes, net		142,951	0
Income tax liability		47,770	25,932
Total liabilities		1,516,714	991,354
Commitments and contingencies (Note 12)
Shareholders' Equity
Common stock, no par value, 150,000,000 shares authorized: 14,804,408 and 16,115,353 shares issued at December 31, 2021 and December 31, 2020, respectively; 14,804,408 and 16,115,353 (including 1,459,233 loaned shares to be returned at December 31, 2020) shares outstanding at December 31, 2021 and December 31, 2020, respectively		0	0
Paid-in capital		227,763	194,950
Retained earnings (deficit )		60,236	(117,666)
Total shareholders’ equity		287,999	77,284
Noncontrolling interests		(500)	(774)
Total equity		287,499	76,510
Total liabilities, preferred stock and equity		1,943,863	1,207,214
Series A Preferred Stock [Member]
Liabilities
Preferred stock	[1]	40,000	40,000
Preferred stock	[1]	40,000	40,000
Series B Preferred Stock [Member]
Liabilities
Preferred stock		99,650	99,350
Preferred stock		99,650	99,350
Shareholders' Equity
Series B preferred stock, no par value, 3,188,533 shares issued and outstanding at December 31, 2021 and 0 shares issued and outstanding at December 31, 2020 (liquidation preference - $79.7 million) (1)	[1]	$ 0	$ 0
[1]	Both the Series A preferred stock and the Series B preferred stock have no par value and are part of the same aggregate 10,000,000 shares authorized.

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parentheticals) - USD ($) $ / shares in Thousands, $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Unrestricted cash and cash equivalents	$ 409,660	$ 178,102
Restricted cash and cash equivalents	96,968	80,859
Loans, interest and fees receivable, at fair value	1,026,424	417,098
Loans, interest and fees receivable, gross	470,293	667,556
Allowances for uncollectible loans, interest and fees receivable	57,201	124,961
Deferred revenue	29,281	39,456
Notes payable, at face value	$ 1,278,864	$ 882,610
Preferred stock, par value (in dollars per share)	$ 0	$ 0
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)	14,804,408	16,115,353
Common stock, outstanding (in shares)	14,804,408	16,115,353
Own-share lending arrangement, outstanding (in shares)		1,459,233
Series A Preferred Stock [Member]
Preferred stock, shares authorized (in shares)	10,000,000	10,000,000
Preferred stock, shares issued (in shares)	400,000	400,000
Preferred stock, shares outstanding (in shares)	400,000	400,000
Preferred stock, liquidation preference	$ 40,000	$ 40,000
Series B Preferred Stock [Member]
Preferred stock, no par value (in dollars per share)	$ 0	$ 0
Preferred stock, shares issued (in shares)	3,188,533	0
Preferred stock, shares outstanding (in shares)	3,188,533	0
Preferred stock, liquidation preference	$ 79,700	$ 79,700
Variable Interest Entity, Primary Beneficiary [Member]
Unrestricted cash and cash equivalents	209,500	96,600
Restricted cash and cash equivalents	75,900	70,200
Loans, interest and fees receivable, at fair value	925,500	374,200
Loans, interest and fees receivable, gross	369,600	560,200
Allowances for uncollectible loans, interest and fees receivable	55,100	120,900
Deferred revenue	8,200	10,300
Notes payable, at face value	$ 1,223,400	$ 827,100

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Revenue:
Consumer loans, including past due fees	$ 518,783	$ 410,616
Fees and related income on earning assets	194,466	133,960
Other revenue	30,606	15,431
Total operating revenue, net	743,855	560,007
Other non-operating revenue	4,201	3,403
Total revenue	748,056	563,410
Interest expense	(54,127)	(51,548)
Provision for losses on loans, interest and fees receivable recorded at net realizable value	(36,455)	(142,719)
Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value	(218,733)	(108,548)
Net margin	438,741	260,595
Operating expense:
Salaries and benefits	34,024	29,079
Card and loan servicing	75,397	63,047
Marketing and solicitation	56,635	35,012
Depreciation	1,493	1,247
Other	22,180	17,819
Total operating expense	189,729	146,204
Loss on repurchase and redemption of convertible senior notes	29,439	0
Income before income taxes	219,573	114,391
Income tax expense	(41,784)	(20,474)
Net income	177,789	93,917
Net loss attributable to noncontrolling interests	113	203
Net income attributable to controlling interests	177,902	94,120
Preferred dividends and discount accretion	(22,363)	(17,070)
Net income attributable to common shareholders	$ 155,539	$ 77,050
Net income attributable to common shareholders per common share—basic (in dollars per share)	$ 10.32	$ 5.32
Net income attributable to common shareholders per common share—diluted (in dollars per share)	$ 7.56	$ 3.95

Consolidated Statements of Shar

Consolidated Statements of Shareholders' Equity - USD ($)	Preferred Stock [Member]Series B Preferred Stock [Member]	Preferred Stock [Member]Series A Preferred Stock [Member]	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	Noncontrolling Interest [Member]	Class B Preferred Units [Member]	Total
Balance (in shares) at Dec. 31, 2019	0		15,885,314
Balance at Dec. 31, 2019	$ 0	$ 40,000,000	$ 0	$ 212,692,000	$ (211,786,000)	$ (571,000)	$ 49,050,000	$ 335,000
Accretion of discount associated with issuance of subsidiary equity	0	0	0	(300,000)	0	0	300,000	(300,000)
Preferred dividends	$ 0	0	$ 0	(16,770,000)	0	0	0	(16,770,000)
Stock option exercises and proceeds related thereto (in shares)	0		407,533
Stock option exercises and proceeds related thereto	$ 0	0	$ 0	1,326,000	0	0	0	1,326,000
Compensatory stock issuances, net of forfeitures (in shares)	0		68,040
Compensatory stock issuances, net of forfeitures	$ 0	0	$ 0	0	0	0	0	0
Contributions by owners of noncontrolling interests	0		0	0	0	0	50,000,000	0
Deferred stock-based compensation costs	$ 0	0	$ 0	1,355,000	0	0	0	$ 1,355,000
Redemption and retirement of shares (in shares)	0		(245,534)					(245,534)
Redemption and retirement of shares	$ 0	0	$ 0	(3,353,000)	0	0	0	$ (3,353,000)
Net income (loss)	0	0	0	0	94,120,000	(203,000)		93,917,000
Redemption and retirement of shares	$ 0	0	$ 0	(3,353,000)	0	0	0	(3,353,000)
Balance (in shares) at Dec. 31, 2020	0		16,115,353
Balance at Dec. 31, 2020	$ 0	40,000,000	$ 0	194,950,000	(117,666,000)	(774,000)	99,350,000	76,510,000
Accretion of discount associated with issuance of subsidiary equity	0	0	0	(300,000)	0	0	300,000	(300,000)
Preferred dividends	$ 0	0	$ 0	(22,063,000)	0	0	0	$ (22,063,000)
Stock option exercises and proceeds related thereto (in shares)	0		526,015					526,015
Stock option exercises and proceeds related thereto	$ 0	0	$ 0	1,885,000	0	0	0	$ 1,885,000
Compensatory stock issuances, net of forfeitures (in shares)	0		56,654
Compensatory stock issuances, net of forfeitures	$ 0	0	$ 0	0	0	0	0	0
Contributions by owners of noncontrolling interests	0	0	0	0	0	387,000	0	387,000
Deferred stock-based compensation costs	$ 0	0	$ 0	3,240,000	0	0	0	$ 3,240,000
Redemption and retirement of shares (in shares)	0		(1,893,614)					(434,381)
Redemption and retirement of shares	$ 0	0	$ 0	(25,219,000)	0	0	0	$ (25,219,000)
Net income (loss)	$ 0	0	$ 0	0	177,902,000	(113,000)	0	177,789,000
Issuance of series B preferred stock, net (in shares)	3,188,533		0
Issuance of series B preferred stock, net	$ 0	0	$ 0	75,270,000	0	0	0	75,270,000
Redemption and retirement of shares	$ 0	0	$ 0	(25,219,000)	0	0	0	(25,219,000)
Balance (in shares) at Dec. 31, 2021	3,188,533		14,804,408
Balance at Dec. 31, 2021	$ 0	$ 40,000,000	$ 0	$ 227,763,000	$ 60,236,000	$ (500,000)	$ 99,650,000	$ 287,499,000

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Operating activities
Net income	$ 177,789	$ 93,917
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation, amortization and accretion, net	2,494	7,952
Provision for losses on loans, interest and fees receivable	36,455	142,719
Interest expense from accretion of discount on notes	453	585
Income from accretion of merchant fees and discount associated with receivables purchases	(166,266)	(110,402)
Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value	218,733	108,548
Amortization of deferred loan costs	5,114	5,137
Income from equity-method investments	(16)	(456)
Loss on repurchase and redemption of convertible senior notes	29,439	0
Deferred stock-based compensation costs	3,240	1,355
Lease liability payments	(10,470)	(10,278)
Gain on sale of property	(599)	0
Changes in assets and liabilities:
Increase in uncollected fees on earning assets	(111,807)	(43,319)
Increase in income tax liability	21,838	20,147
Increase (decrease) in accounts payable and accrued expenses	6,005	(3,096)
Other	(36)	(75)
Net cash provided by operating activities	212,366	212,734
Investing activities
Investments in equity-method investee	(398)	0
Proceeds from equity-method investee	560	998
Proceeds from recoveries on charged off receivables	14,065	13,781
Investments in earning assets	(2,018,760)	(1,330,980)
Proceeds from earning assets	1,535,500	1,024,375
Sale of property	1,100	0
Purchases and development of property, net of disposals	(7,089)	(749)
Net cash used in investing activities	(475,022)	(292,575)
Financing activities
Noncontrolling interests contributions	387	50,000
Proceeds from issuance of Series B preferred stock, net of issuance costs	75,270	0
Preferred dividends	(21,809)	(13,561)
Proceeds from exercise of stock options	1,885	1,326
Purchase and retirement of outstanding stock	(25,219)	(3,353)
Proceeds from issuance of Senior notes, net of issuance costs	142,832	0
Proceeds from borrowings	923,477	588,229
Repayment of borrowings	(586,495)	(460,256)
Net cash provided by financing activities	510,328	162,385
Effect of exchange rate changes on cash	(5)	23
Net increase in cash and cash equivalents and restricted cash	247,667	82,567
Cash and cash equivalents and restricted cash at beginning of period	258,961	176,394
Cash and cash equivalents and restricted cash at end of period	506,628	258,961
Supplemental cash flow information
Cash paid for interest	47,608	46,526
Net cash income tax payments	19,946	327
Increase in accrued and unpaid preferred dividends	$ 254	$ 3,209

Note 1 - Description of Our Bus

Note 1 - Description of Our Business	12 Months Ended
	Dec. 31, 2021
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 a purpose driven financial technology company. 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 We are principally engaged in providing products and services to lenders in the U.S. and, 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 Within our Credit as a Service ("CaaS") segment, we apply our technology solutions, in combination with the experiences gained, and infrastructure built from servicing over $27 25 third may not We also report within our CaaS segment: 1 2 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. In March 2020, 19" March 2021, $1.9 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, 2021
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 income. Additionally, estimates of 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 income. 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, 2021 2020 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 December 31, 2021 2020, 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 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 private label credit receivables and annual fee billings for our general purpose credit card receivables. Our private label credit 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 general purpose 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, 2021 December 31, 2020, December 31, 2021 December 31, 2020, As a result of the COVID- 19 March 2020 March 2020, 19 19 may 19. 19 19 not December 31, 2021 19; Our CaaS segment consists of two For the Year Ended December 31, 2021 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at beginning of period $ (88.2 ) $ (1.7 ) $ (35.1 ) $ (125.0 ) Provision for loan losses (34.9 ) (0.2 ) (1.4 ) (36.5 ) Charge offs 88.6 1.5 31.1 121.2 Recoveries (8.9 ) (1.0 ) (7.0 ) (16.9 ) Balance at end of period $ (43.4 ) $ (1.4 ) $ (12.4 ) $ (57.2 ) As of December 31, 2021 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 $ — $ (0.1 ) $ — $ (0.1 ) Balance at end of period collectively evaluated for impairment $ (43.4 ) $ (1.3 ) $ (12.4 ) $ (57.1 ) Loans, interest and fees receivable: Loans, interest and fees receivable, gross $ 259.5 $ 94.6 $ 116.2 $ 470.3 Loans, interest and fees receivable individually evaluated for impairment $ — $ 0.4 $ — $ 0.4 Loans, interest and fees receivable collectively evaluated for impairment $ 259.5 $ 94.2 $ 116.2 $ 469.9 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 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, 2021, third third December 31, 2020, 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, 2021 December 31, 2020 As of December 31, 2021 Credit Cards Auto Finance Other Unsecured Lending Products Total 30-59 days past due $ 7.3 $ 7.2 $ 3.3 $ 17.8 60-89 days past due 6.9 2.6 2.6 12.1 90 or more days past due 17.9 2.0 6.8 26.7 Delinquent loans, interest and fees receivable, gross 32.1 11.8 12.7 56.6 Current loans, interest and fees receivable, gross 227.4 82.8 103.5 413.7 Total loans, interest and fees receivable, gross $ 259.5 $ 94.6 $ 116.2 $ 470.3 Balance of loans greater than 90-days delinquent still accruing interest and fees $ — $ 1.5 $ — $ 1.5 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 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, 2021 December 31, 2020 As of December 31, 2021 December 31, 2020 Private label credit General purpose credit card Private label credit General purpose credit card Number of TDRs 14,919 39,322 12,394 37,784 Number of TDRs that have been re-aged 812 2,035 2,788 7,846 Amount of TDRs on non-accrual status (in thousands) $ 17,152 $ 25,154 $ 14,537 $ 26,989 Amount of TDRs on non-accrual status above that have been re-aged (in thousands) $ 1,205 $ 1,553 $ 4,662 $ 6,890 Carrying value of TDRs (in thousands) $ 11,173 $ 15,502 $ 9,583 $ 14,287 TDRs - Performing (carrying value, in thousands)* $ 8,797 $ 13,387 $ 7,420 $ 11,855 TDRs - Nonperforming (carrying value, in thousands)* $ 2,376 $ 2,115 $ 2,163 $ 2,432 *“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 65,125 and 60,908 accounts, with a carrying amount of $70.0 million and $70.3 million during the twelve December 31, 2021 December 31, 2020 Twelve Months Ended December 31, 2021 December 31, 2020 Private label credit General purpose credit card Private label credit General purpose credit card Number of accounts 3,119 7,765 3,065 7,665 Loan balance at time of charge off (in thousands) $ 4,642 $ 6,455 $ 4,352 $ 6,745 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 years for furniture, fixtures and equipment, and 3 years for computers and software. We amortize leasehold improvements over the shorter of their estimated useful lives or the terms of their respective underlying leases. We periodically review our property to determine if it is impaired. We incurred no impairment costs in 2021 2020 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 used the equity method for our 66.7% investment in a limited liability company formed in 2004 September 2021 ( not 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 private label credit and general purpose credit card 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, Other revenue Other revenue includes revenues associated with interchange revenues, servicing income and ancillary product offerings (primarily associated with a credit protection program offered by our lending partner). 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 December 31, 2020, Revenue from Contracts with Customers The majority of our revenue is earned from financial instruments and is not No. 2014 09, None For the Year Ended December 31, 2021 CaaS Auto Finance Total Interchange revenues, net (1) $ 18,134 $ — $ 18,134 Servicing income 1,871 1,224 3,095 Service charges and other customer related fees 9,317 60 9,377 Total revenue from contracts with customers $ 29,322 $ 1,284 $ 30,606 ( 1 For the Year Ended December 31, 2020 CaaS 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 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. Loss on repurchase and redemption of convertible senior notes In periods where we repurchased or redeemed outstanding 5.875% convertible senior notes (“convertible senior notes”), we recorded any discount or premium paid for the repurchase or redemption (including accrued interest) relative to the amortized book value of the notes. For the year ended December 31, 2021, 11,"Convertible Recent Accounting Pronouncements In June 2016, 2016 13, 2018 19, 2019 04, 2019 10 2019 11 May 2019, 2019 05, 326 20, 2016 13 2019 05 December 15, 2019, December 15, 2022 2016 13 January 1, 2022, 2016 13 In March 2020, No. 2020 04, 848 no December 1, 2022, January 2021, 2021 01, 848 848 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 We have evaluated subsequent events occurring after December 31, 2021 , not In February 2022, We purchased 451,407 shares of common stock through March 8, 2022,

Note 3 - Segment Reporting

Note 3 - Segment Reporting	12 Months Ended
	Dec. 31, 2021
Notes to Financial Statements
Segment Reporting Disclosure [Text Block]	3. Segment Reporting We operate primarily within one two As of both December 31, 2021 December 31, 2020 not December 31, 2021 2020 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, 2021 CaaS Auto Finance Total Revenue: Consumer loans, including past due fees $ 485,241 $ 33,542 $ 518,783 Fees and related income on earning assets 194,392 74 194,466 Other revenue 29,322 1,284 30,606 Other non-operating revenue 4,135 66 4,201 Total revenue 713,090 34,966 748,056 Interest expense (53,093 ) (1,034 ) (54,127 ) Provision for losses on loans, interest and fees receivable recorded at net realizable value (36,262 ) (193 ) (36,455 ) Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value (218,733 ) — (218,733 ) Net margin $ 405,002 $ 33,739 $ 438,741 Income before income taxes $ 208,926 $ 10,647 $ 219,573 Income tax expense $ (39,221 ) $ (2,563 ) $ (41,784 ) Total assets $ 1,859,950 $ 83,913 $ 1,943,863 Year Ended December 31, 2020 CaaS 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

Note 4 - Shareholders' Equity a

Note 4 - Shareholders' Equity and Preferred Stock	12 Months Ended
	Dec. 31, 2021
Notes to Financial Statements
Stockholders' Equity Note Disclosure [Text Block]	4. Shareholders’ Equity and Preferred Stock On November 26, 2014, December 27, 2019, no may, January 1, 2025 $100 January 1, 2024. $100 14, Dove is a limited liability company owned by three one two two During the years ended December 30, 2021 2020, We had 1,459,233 loaned shares outstanding at December 31, 2020, November 2005 December 31, 2021, On November 14, 2019, third not March 2020, 14, In June 2021, 30 July 2021, second may 5

Note 5 - Investment in Equity-m

Note 5 - Investment in Equity-method Investee	12 Months Ended
	Dec. 31, 2021
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 September 2021, In the following tables, we summarize (in thousands) balance sheet and results of operations data for our former equity-method investee: As of December 31, 2021 December 31, 2020 Loans, interest and fees receivables, at fair value $ — $ 1,994 Total assets $ — $ 2,105 Total liabilities $ — $ 10 Members’ capital $ — $ 2,095 Year ended December 31, 2021 2020 Net margin $ 94 $ 819 Net income $ 23 $ 684 Net income attributable to investee $ 16 $ 456

Note 6 - Fair Values of Assets

Note 6 - Fair Values of Assets and Liabilities	12 Months Ended
	Dec. 31, 2021
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 income. 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, 2021 December 31, 2020 1 2 not Assets – As of December 31, 2021 (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 $ — $ — $ 402,380 $ 383,811 Loans, interest and fees receivable, at fair value $ — $ — $ 1,026,424 $ 1,026,424 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 ( 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 income 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, 2021 2020 Loans, Interest and Fees Receivables, at Fair Value 2021 2020 Balance at January 1, $ 417,098 $ 4,386 Net revaluations of loans, interest and fees receivable, at fair value, included in earnings (110,283 ) (96,948 ) Principal chargeoffs, net of recoveries, included in earnings (78,463 ) (9,855 ) Finance chargeoffs, included in earnings (30,794 ) (2,746 ) Purchases 1,626,062 713,579 Settlements (1,163,503 ) (295,301 ) Finance and fees, included in earnings 366,307 103,983 Balance at December 31, $ 1,026,424 $ 417,098 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, 2021 December 31, 2020 Quantitative Information about Level 3 Fair Value Measurement Fair Value at December 31, 2021 (in thousands) Valuation Technique Unobservable Input Range (Weighted Average) Loans, interest and fees receivable, at fair value $ 1,026,424 Discounted cash flows Gross yield, net of finance charge charge-offs 27.8% 46.9% (40.9%) Payment rate 5.4% 12.9% (10.6%) Expected principal credit loss rate 7.8% 26.4% (23.5%) Servicing rate 3.4% 5.7% (4.6%) Discount rate 12.3% 13.5% (12.9%) 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% 56.5% (43.3%) Payment rate 3.9% 11.4% (8.5%) Expected principal credit loss rate 6.9% 31.4% (24.8%) Servicing rate 2.9% 14.2% (4.3%) Discount rate 12.8% 13.5% (13.3%) 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, 2021 December 31, 2020 1 2 not Liabilities – As of December 31, 2021 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 $ — $ — $ 1,255,518 $ 1,255,518 Amortizing debt facilities $ — $ — $ 23,346 $ 23,346 Senior notes, net $ 153,000 $ — $ — $ 142,951 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 For our notes payable where market prices are not third third not 10, For our material Level 3 December 31, 2021 2020 Notes Payable Associated with Structured Financings, at Fair Value 2021 2020 Balance at January 1, $ 2,919 $ 3,920 Net revaluations of notes payable associated with structured financings, at fair value, included in earnings (807 ) (1,001 ) Repayments on outstanding notes payable, net (2,112 ) — Balance at December 31, $ — $ 2,919 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 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 % Other Relevant Data Other relevant data (in thousands) as of December 31, 2021 December 31, 2020 As of December 31, 2021 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 $ 1,249 $ 1,234,039 Aggregate unpaid principal balance included within loans, interest and fees receivable that are reported at fair value $ 1,204 $ 1,131,895 Aggregate fair value of loans, interest and fees receivable that are reported at fair value $ 1,215 $ 1,025,209 Aggregate fair value of receivables carried at fair value that are 90 days or more past due (which also coincides with finance charge and fee non-accrual policies) $ 8 $ 4,640 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 $ 13 $ 59,656 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 Notes Payable Notes Payable Associated with Structured Financings, at Fair Value as of December 31, 2020 Aggregate unpaid principal balance of notes payable $ 101,314 Aggregate fair value of notes payable $ 2,919

Note 7 - Property

Note 7 - Property	12 Months Ended
	Dec. 31, 2021
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, 2021 2020 Software $ 1,695 $ 4,122 Furniture and fixtures 3,540 6,548 Data processing and telephone equipment 692 7,728 Leasehold improvements 10,539 10,570 Other 6,909 1,156 Total cost 23,375 30,124 Less accumulated depreciation (16,040 ) (27,884 ) Property, net $ 7,335 $ 2,240 Depreciation expense totaled $1.5 million and $1.2 million for the years ended December 31, 2021 2020

Note 8 - Leases

Note 8 - Leases	12 Months Ended
	Dec. 31, 2021
Notes to Financial Statements
Lessee, Operating Leases [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 to 6 years, some of which include options, at our discretion, to extend the leases for additional periods generally on one For the Year Ended December 31, 2021 2020 Operating lease cost, gross $ 6,905 $ 6,879 Sublease income (5,234 ) (5,133 ) Net Operating lease cost $ 1,671 $ 1,746 Cash paid under operating leases, gross $ 10,470 $ 10,278 Weighted average remaining lease term - months 14 Weighted average discount rate 6.0 % As of December 31, 2021 Gross Lease Payment Payments received from Sublease Net Lease Payment 2022 $ 4,767 $ (3,112 ) $ 1,655 2023 511 — 511 2024 308 — 308 2025 163 — 163 2026 53 — 53 Thereafter 10 — 10 Total lease payments 5,812 (3,112 ) 2,700 Less imputed interest (970 ) Total $ 4,842 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, 2021 no one In August 2021, third June 2022 not

Note 9 - Variable Interest Enti

Note 9 - Variable Interest Entities	12 Months Ended
	Dec. 31, 2021
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, 2021 December 31, 2020 Unrestricted cash and cash equivalents $ 209.5 $ 96.6 Restricted cash and cash equivalents 75.9 70.2 Loans, interest and fees receivable, at fair value 925.5 374.2 Loans, interest and fees receivable, gross 369.6 560.2 Allowances for uncollectible loans, interest and fees receivable (55.1 ) (120.9 ) Deferred revenue (8.2 ) (10.3 ) Total Assets held by VIEs $ 1,517.2 $ 970.0 Notes Payable, net held by VIEs $ 1,223.4 $ 827.1 Notes Payable, at fair value held by VIEs $ - $ 2.9 Maximum exposure to loss due to involvement with VIEs $ 1,289.1 $ 864.4

Note 10 - Notes Payable

Note 10 - Notes Payable	12 Months Ended
	Dec. 31, 2021
Notes to Financial Statements
Debt Disclosure [Text Block]	10. Notes Payable Notes Payable, at Face Value Other notes payable outstanding as of December 31, 2021 December 31, 2020 As of December 31, 2021 December 31, 2020 Revolving credit facilities at a weighted average interest rate equal to 4.3 4.8 1,391.6 943.6 Revolving credit facility, not to exceed $ 55.0 November 1, 2023 $ 32.1 $ 34.9 Revolving credit facility, not to exceed $ 50.0 October 30, 2023 48.7 50.0 Revolving credit facility, not to exceed $ 70.0 May 2021 — 5.8 Revolving credit facility, not to exceed $ 100.0 October 15, 2022 — 10.0 Revolving credit facility, not to exceed $ 15.0 July 15, 2022 5.7 4.7 Revolving credit facility, not to exceed $ 100.0 August 15, 2022 — 2.5 Revolving credit facility, not to exceed $ 200.0 June 2021 — 200.0 Revolving credit facility, not to exceed $ 200.0 May 15, 2024 200.0 200.0 Revolving credit facility, not to exceed $ 25.0 April 21, 2023 19.2 7.8 Revolving credit facility, not to exceed $ 100.0 January 15, 2025 100.0 100.0 Revolving credit facility, not to exceed $ 250.0 October 15, 2025 250.0 250.0 Revolving credit facility, not to exceed $ 15.0 February 15, 2024 10.0 — Revolving credit facility, not to exceed $ 300.0 December 15, 2026 300.0 — Revolving credit facility, not to exceed $ 75.0 March 15, 2025 — — Revolving credit facility, not to exceed $ 300.0 May 15, 2026 300.0 — Other facilities Other debt 5.9 3.2 Unsecured term debt (expiring August 26, 2024 8.0 17.4 17.4 Amortizing debt facility (repaid in September 2021 — 5.0 Total notes payable before unamortized debt issuance costs and discounts 1,289.0 891.3 Unamortized debt issuance costs and discounts (10.1 ) (8.7 ) Total notes payable outstanding, net $ 1,278.9 $ 882.6 ( 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, 2021 In October 2015, December 31, 2021 October 30, 2023 In October 2016, December 31, 2021 October 2016, December 31, 2021 November 1, 2023. no In February 2017, third May 2021. In 2018, two December 31, 2021) third October 15, 2022 August 15, 2022, In December 2017, December 31, 2021). April 21, 2023 In June 2019, December 31, 2021). In June 2019, December 15, 2022). June 2021. In August 2019, August 2024. In September 2019, September 2021. In November 2019, May 15, 2024). three In July 2020, three In October 2020, August 2025 October 2025. In January 2021, December 31, 2021) February 15, 2024 In June 2021, May 15, 2026 December 15, 2026). four In September 2021, December 31, 2021) 18 March 2025. In November 2021, May 15, 2026). three As of December 31, 2021 Notes Payable Associated with Structured Financings, at Fair Value Scheduled (in millions) in the table below are ( 1 December 31, 2020 2 December 31, 2020 3 December 31, 2020 December 2021. Carrying Amounts at Fair Value as of December 31, 2020 Securitization facility (repaid in December 2021 101.3 5.7 2.9 $ 2.9 Senior Notes, net In November 2021, February 1, May 1, August 1 November 1 November 30, 2026. December 31, 2021

Note 11 - Convertible Senior No

Note 11 - Convertible Senior Notes	12 Months Ended
	Dec. 31, 2021
Notes to Financial Statements
Long-term Debt [Text Block]	11. Convertible Senior Notes In November 2005, In the year ended December 31, 2021, In June 2021, $1,000 The following summarizes (in thousands) components of our consolidated balance sheets associated with our convertible senior notes: December 31, 2020 Face amount of convertible senior notes $ 33,839 Discount (9,453 ) Net carrying value $ 24,386 Carrying amount of equity component included in paid-in capital $ 108,714 Excess of instruments’ if-converted values over face principal amounts $ — In conjunction with the offering of the convertible senior notes, we lent Bear, Stearns International Limited (“BSIL”) and Bear, Stearns & Co. Inc, as agent for BSIL ("collectively "Bear Stearns"), 5,677,950 shares of our common stock. The obligations of Bear Stearns were assumed by JP Morgan in 2008 December 2021.

Note 12 - Commitments and Conti

Note 12 - Commitments and Contingencies	12 Months Ended
	Dec. 31, 2021
Notes to Financial Statements
Commitments and Contingencies Disclosure [Text Block]	12. Commitments and Contingencies General Under finance products available in the private label credit and general purpose credit card 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 $2.0 billion at December 31, 2021. 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, 2021, Under agreements with third December 31, 2021 Under agreements with third December 31, 2021, 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 December 31, 2021 ( December 31, 2021 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, 2021
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, 2021 2020 Federal income tax (expense) benefit: Current tax (expense) benefit $ (34,910 ) $ 1,351 Deferred tax (expense) (2,369 ) (21,752 ) Total federal income tax (expense) $ (37,279 ) $ (20,401 ) Foreign income tax (expense) benefit: Current tax (expense) $ (107 ) $ (143 ) Deferred tax benefit (expense) 1 (5 ) Total foreign income tax (expense) $ (106 ) $ (148 ) State and other income tax benefit (expense): Current tax (expense) $ (4,910 ) $ (1,228 ) Deferred tax benefit 511 1,303 Total state and other income tax (expense) benefit $ (4,399 ) $ 75 Total income tax (expense) $ (41,784 ) $ (20,474 ) The $34.9 million of 2021 2021 We experienced an effective income tax expense rate of 19.0% and 17.9% for the years ended December 31, 2021, December 31, 2020, December 31, 2021, 1 2 162 1986. December 31, 2020, 1 2 2020 2008 We report income tax-related interest and penalties (including those associated with both our accrued liabilities for uncertain tax positions and unpaid tax liabilities) within our income tax line item on our consolidated statements of income. 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 2021, 2020, The following table reconciles our effective income tax expense or benefit rates for 2021 2020 For the Year Ended December 31, 2021 2020 Statutory federal expense rate 21.0 % 21.0 % (Decrease) increase in statutory federal tax expense rate resulting from: Share-based compensation, net of executive compensation deduction limitations (1.4 ) — Global intangible low-taxed income tax 0.1 0.2 Net interest and penalties related to uncertain tax positions and unpaid tax liabilities (including reversals thereof from IRS settlement in 2020) — (0.6 ) Interest expense on preferred stock classified as debt for tax purposes (1.6 ) (2.6 ) Foreign taxes, net of valuation allowance effects (0.1 ) (0.2 ) State taxes, net of valuation allowance effects 1.6 (0.1 ) Prior year provision to return reconciling items, tax effects of non-controlling interests, and other (0.6 ) 0.2 Effective tax expense rate 19.0 % 17.9 % As of December 31, 2021 December 31, 2020 As of December 31, 2021 2020 Deferred tax assets: Software development costs/fixed assets $ — $ 75 Provision for loan loss 14,647 30,080 Credit card fair value election differences 48,730 173 Equity-based compensation 967 715 Accrued expenses 159 466 Accruals for state taxes and interest associated with unrecognized tax benefits and unpaid accrued tax liabilities 149 121 Federal net operating loss and capital loss carry-forwards — 11,279 Federal tax credits and minimum tax credit carry-forward — 25 Foreign net operating loss carry-forward 304 306 Interest expense on debt with equity treatment for tax purposes — 631 Other 506 202 State tax benefits, primarily from net operating losses 27,081 36,052 Deferred tax assets, gross $ 92,543 $ 80,125 Valuation allowances (22,716 ) (31,701 ) Deferred tax assets, net of valuation allowances $ 69,827 $ 48,424 Deferred tax (liabilities): Prepaid expenses and other $ (513 ) $ (225 ) Software development costs and fixed assets (41 ) — Equity in income of equity-method investee (697 ) (1,457 ) Market discount on acquired credit card and other loans receivable (94,958 ) (61,255 ) Deferred costs (590 ) (545 ) Convertible senior notes — (10,057 ) Deferred tax (liabilities), gross $ (96,799 ) $ (73,539 ) Deferred tax (liabilities), net $ (26,972 ) $ (25,115 ) 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 December 31, 2021, December 31, 2020, December 31, 2020, December 31, 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 2021 2020 2021 2020 Balance at January 1, $ (577 ) $ (513 ) Reductions based on tax positions related to prior years 33 — (Additions) reductions based on tax positions related to prior years (26 ) 48 Additions based on tax positions related to the current year (107 ) (82 ) Interest and penalties accrued (31 ) (30 ) Balance at December 31, $ (708 ) $ (577 ) Further, our unrecognized tax benefits that, if recognized, would affect the effective tax rate are not December 31, 2021 2020

Note 14 - Net Income Attributab

Note 14 - Net Income Attributable to Controlling Interests Per Common Share	12 Months Ended
	Dec. 31, 2021
Notes to Financial Statements
Earnings Per Share [Text Block]	14. Net Income Attributable to Controlling Interests Per Common Share We compute net income attributable to controlling interests per common share by dividing net income 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 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, 2021 2020 Numerator: Net income attributable to controlling interests $ 177,902 $ 94,120 Preferred stock and preferred unit dividends and accretion (22,363 ) (17,070 ) Net income attributable to common shareholders—basic 155,539 77,050 Effect of dilutive preferred stock dividends and accretion 2,400 2,400 Net income attributable to common shareholders—diluted $ 157,939 $ 79,450 Denominator: Basic (including unvested share-based payment awards) (1) 15,074 14,486 Effect of dilutive stock compensation arrangements and exchange of preferred stock 5,824 5,616 Diluted (including unvested share-based payment awards) (1) 20,898 20,102 Net income attributable to common shareholders per share—basic $ 10.32 $ 5.32 Net income attributable to common shareholders per share—diluted $ 7.56 $ 3.95 ( 1 Shares related to unvested share-based payment awards included in our basic and diluted share counts were 312,792 for the year ended December 31, 2021 , December 31, 2020 . As their effects were anti-dilutive, we excluded stock options to purchase 0.0 million and 0.1 million shares from our net income attributable to controlling interests per share of common stock calculations for the years ended December 31, 2021 2020 For the years ended December 31, 2021 2020 4,

Note 15 - Stock-based Compensat

Note 15 - Stock-based Compensation	12 Months Ended
	Dec. 31, 2021
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 two December 31, 2021 2014 Exercises and vestings under our stock-based compensation plans resulted in no income tax-related charges to paid-in capital during the years ended December 31, 2021 2020 Restricted Stock and Restricted Stock Units During the years ended December 31, 2021 2020 December 31, 2021 2020 December 31, 2021 , 1 .5 No Stock Options The exercise price per share of the options awarded under the Fourth Amended 2014 may not 2021 5 December 31, 2021 2020 Number of Shares Weighted-Average Exercise Price Weighted-Average of Remaining Contractual Life (in years) Aggregate Intrinsic Value Outstanding at December 31, 2020 2,423,466 $ 4.41 Issued 133,850 $ 37.37 Exercised (526,015 ) $ 3.58 Expired/Forfeited (13,332 ) $ 15.30 Outstanding at December 31, 2021 2,017,969 $ 6.74 1.2 $ 130,311,334 Exercisable at December 31, 2021 1,599,199 $ 3.82 0.7 $ 107,945,775 Information on stock options granted, exercised and vested is as follows (in thousands, except per share data): Year ended December 31, 2021 2020 Weighted average fair value per share of options granted $ 24.00 $ 9.47 Cash received from options exercised, net $ 1,885 $ 1,326 Aggregate intrinsic value of options exercised $ 13,673 $ 5,726 Grant date fair value of shares vested $ 834 $ 944 Options issued during the years ended December 31, 2021 2020 December 31, 2021 December 31, 2020 , December 31, 2021.

Note 16 - Employee Benefit Plan

Note 16 - Employee Benefit Plans	12 Months Ended
	Dec. 31, 2021
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 2021 2020 Also, all employees, excluding executive officers, are eligible to participate in the ESPP. Under the ESPP, employees can elect to have up to 10% of their annual wages withheld to purchase our common stock up to a fair market value of $10,000. The amounts deducted and accumulated by each participant are used to purchase shares of common stock on or as promptly as practicable after the last business day of each month. The price of stock purchased under the ESPP is approximately 85% of the fair market value per share of our common stock on the purchase date. Employees contributed $79,095 to purchase 2,241 shares of common stock in 2021 2020 2021 2020

Note 17 - Related Party Transac

Note 17 - Related Party Transactions	12 Months Ended
	Dec. 31, 2021
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 may 2 50% third may In June 2007, 2021 2020, January 1, 2022 May 2022 In January 2013, four December 31, 2021 2020 On November 26, 2014, December 27, 2019, no may, January 1, 2025 $100 January 1, 2024. $100 three one two two

Significant Accounting Policies

Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2021
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 income. Additionally, estimates of 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 income. 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, 2021 2020
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 December 31, 2021 2020, 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 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 private label credit receivables and annual fee billings for our general purpose credit card receivables. Our private label credit 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 general purpose 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, 2021 December 31, 2020, December 31, 2021 December 31, 2020, As a result of the COVID- 19 March 2020 March 2020, 19 19 may 19. 19 19 not December 31, 2021 19; Our CaaS segment consists of two For the Year Ended December 31, 2021 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at beginning of period $ (88.2 ) $ (1.7 ) $ (35.1 ) $ (125.0 ) Provision for loan losses (34.9 ) (0.2 ) (1.4 ) (36.5 ) Charge offs 88.6 1.5 31.1 121.2 Recoveries (8.9 ) (1.0 ) (7.0 ) (16.9 ) Balance at end of period $ (43.4 ) $ (1.4 ) $ (12.4 ) $ (57.2 ) As of December 31, 2021 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 $ — $ (0.1 ) $ — $ (0.1 ) Balance at end of period collectively evaluated for impairment $ (43.4 ) $ (1.3 ) $ (12.4 ) $ (57.1 ) Loans, interest and fees receivable: Loans, interest and fees receivable, gross $ 259.5 $ 94.6 $ 116.2 $ 470.3 Loans, interest and fees receivable individually evaluated for impairment $ — $ 0.4 $ — $ 0.4 Loans, interest and fees receivable collectively evaluated for impairment $ 259.5 $ 94.2 $ 116.2 $ 469.9 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 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, 2021, third third December 31, 2020, 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, 2021 December 31, 2020 As of December 31, 2021 Credit Cards Auto Finance Other Unsecured Lending Products Total 30-59 days past due $ 7.3 $ 7.2 $ 3.3 $ 17.8 60-89 days past due 6.9 2.6 2.6 12.1 90 or more days past due 17.9 2.0 6.8 26.7 Delinquent loans, interest and fees receivable, gross 32.1 11.8 12.7 56.6 Current loans, interest and fees receivable, gross 227.4 82.8 103.5 413.7 Total loans, interest and fees receivable, gross $ 259.5 $ 94.6 $ 116.2 $ 470.3 Balance of loans greater than 90-days delinquent still accruing interest and fees $ — $ 1.5 $ — $ 1.5 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 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, 2021 December 31, 2020 As of December 31, 2021 December 31, 2020 Private label credit General purpose credit card Private label credit General purpose credit card Number of TDRs 14,919 39,322 12,394 37,784 Number of TDRs that have been re-aged 812 2,035 2,788 7,846 Amount of TDRs on non-accrual status (in thousands) $ 17,152 $ 25,154 $ 14,537 $ 26,989 Amount of TDRs on non-accrual status above that have been re-aged (in thousands) $ 1,205 $ 1,553 $ 4,662 $ 6,890 Carrying value of TDRs (in thousands) $ 11,173 $ 15,502 $ 9,583 $ 14,287 TDRs - Performing (carrying value, in thousands)* $ 8,797 $ 13,387 $ 7,420 $ 11,855 TDRs - Nonperforming (carrying value, in thousands)* $ 2,376 $ 2,115 $ 2,163 $ 2,432 *“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 65,125 and 60,908 accounts, with a carrying amount of $70.0 million and $70.3 million during the twelve December 31, 2021 December 31, 2020 Twelve Months Ended December 31, 2021 December 31, 2020 Private label credit General purpose credit card Private label credit General purpose credit card Number of accounts 3,119 7,765 3,065 7,665 Loan balance at time of charge off (in thousands) $ 4,642 $ 6,455 $ 4,352 $ 6,745
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 years for furniture, fixtures and equipment, and 3 years for computers and software. We amortize leasehold improvements over the shorter of their estimated useful lives or the terms of their respective underlying leases. We periodically review our property to determine if it is impaired. We incurred no impairment costs in 2021 2020
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 used the equity method for our 66.7% investment in a limited liability company formed in 2004 September 2021 ( not
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 private label credit and general purpose credit card 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, Other revenue Other revenue includes revenues associated with interchange revenues, servicing income and ancillary product offerings (primarily associated with a credit protection program offered by our lending partner). 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 December 31, 2020, Revenue from Contracts with Customers The majority of our revenue is earned from financial instruments and is not No. 2014 09, None For the Year Ended December 31, 2021 CaaS Auto Finance Total Interchange revenues, net (1) $ 18,134 $ — $ 18,134 Servicing income 1,871 1,224 3,095 Service charges and other customer related fees 9,317 60 9,377 Total revenue from contracts with customers $ 29,322 $ 1,284 $ 30,606 ( 1 For the Year Ended December 31, 2020 CaaS 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
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.
Credit Loss, Financial Instrument [Policy Text Block]	Loss on repurchase and redemption of convertible senior notes In periods where we repurchased or redeemed outstanding 5.875% convertible senior notes (“convertible senior notes”), we recorded any discount or premium paid for the repurchase or redemption (including accrued interest) relative to the amortized book value of the notes. For the year ended December 31, 2021, 11,"Convertible
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, 2016 13 2019 05 December 15, 2019, December 15, 2022 2016 13 January 1, 2022, 2016 13 In March 2020, No. 2020 04, 848 no December 1, 2022, January 2021, 2021 01, 848 848 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 We have evaluated subsequent events occurring after December 31, 2021 , not In February 2022, We purchased 451,407 shares of common stock through March 8, 2022,

Note 2 - Significant Accounti_2

Note 2 - Significant Accounting Policies and Consolidated Financial Statement Components (Tables)	12 Months Ended
	Dec. 31, 2021
Notes Tables
Financing Receivable, Current, Allowance for Credit Loss [Table Text Block]	For the Year Ended December 31, 2021 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at beginning of period $ (88.2 ) $ (1.7 ) $ (35.1 ) $ (125.0 ) Provision for loan losses (34.9 ) (0.2 ) (1.4 ) (36.5 ) Charge offs 88.6 1.5 31.1 121.2 Recoveries (8.9 ) (1.0 ) (7.0 ) (16.9 ) Balance at end of period $ (43.4 ) $ (1.4 ) $ (12.4 ) $ (57.2 ) As of December 31, 2021 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 $ — $ (0.1 ) $ — $ (0.1 ) Balance at end of period collectively evaluated for impairment $ (43.4 ) $ (1.3 ) $ (12.4 ) $ (57.1 ) Loans, interest and fees receivable: Loans, interest and fees receivable, gross $ 259.5 $ 94.6 $ 116.2 $ 470.3 Loans, interest and fees receivable individually evaluated for impairment $ — $ 0.4 $ — $ 0.4 Loans, interest and fees receivable collectively evaluated for impairment $ 259.5 $ 94.2 $ 116.2 $ 469.9 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
Financing Receivable, Past Due [Table Text Block]	As of December 31, 2021 Credit Cards Auto Finance Other Unsecured Lending Products Total 30-59 days past due $ 7.3 $ 7.2 $ 3.3 $ 17.8 60-89 days past due 6.9 2.6 2.6 12.1 90 or more days past due 17.9 2.0 6.8 26.7 Delinquent loans, interest and fees receivable, gross 32.1 11.8 12.7 56.6 Current loans, interest and fees receivable, gross 227.4 82.8 103.5 413.7 Total loans, interest and fees receivable, gross $ 259.5 $ 94.6 $ 116.2 $ 470.3 Balance of loans greater than 90-days delinquent still accruing interest and fees $ — $ 1.5 $ — $ 1.5 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
Financing Receivable, Troubled Debt Restructuring [Table Text Block]	As of December 31, 2021 December 31, 2020 Private label credit General purpose credit card Private label credit General purpose credit card Number of TDRs 14,919 39,322 12,394 37,784 Number of TDRs that have been re-aged 812 2,035 2,788 7,846 Amount of TDRs on non-accrual status (in thousands) $ 17,152 $ 25,154 $ 14,537 $ 26,989 Amount of TDRs on non-accrual status above that have been re-aged (in thousands) $ 1,205 $ 1,553 $ 4,662 $ 6,890 Carrying value of TDRs (in thousands) $ 11,173 $ 15,502 $ 9,583 $ 14,287 TDRs - Performing (carrying value, in thousands)* $ 8,797 $ 13,387 $ 7,420 $ 11,855 TDRs - Nonperforming (carrying value, in thousands)* $ 2,376 $ 2,115 $ 2,163 $ 2,432 Twelve Months Ended December 31, 2021 December 31, 2020 Private label credit General purpose credit card Private label credit General purpose credit card Number of accounts 3,119 7,765 3,065 7,665 Loan balance at time of charge off (in thousands) $ 4,642 $ 6,455 $ 4,352 $ 6,745
Disaggregation of Revenue [Table Text Block]	For the Year Ended December 31, 2021 CaaS Auto Finance Total Interchange revenues, net (1) $ 18,134 $ — $ 18,134 Servicing income 1,871 1,224 3,095 Service charges and other customer related fees 9,317 60 9,377 Total revenue from contracts with customers $ 29,322 $ 1,284 $ 30,606 For the Year Ended December 31, 2020 CaaS 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

Note 3 - Segment Reporting (Tab

Note 3 - Segment Reporting (Tables)	12 Months Ended
	Dec. 31, 2021
Notes Tables
Schedule of Segment Reporting Information, by Segment [Table Text Block]	Year Ended December 31, 2021 CaaS Auto Finance Total Revenue: Consumer loans, including past due fees $ 485,241 $ 33,542 $ 518,783 Fees and related income on earning assets 194,392 74 194,466 Other revenue 29,322 1,284 30,606 Other non-operating revenue 4,135 66 4,201 Total revenue 713,090 34,966 748,056 Interest expense (53,093 ) (1,034 ) (54,127 ) Provision for losses on loans, interest and fees receivable recorded at net realizable value (36,262 ) (193 ) (36,455 ) Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value (218,733 ) — (218,733 ) Net margin $ 405,002 $ 33,739 $ 438,741 Income before income taxes $ 208,926 $ 10,647 $ 219,573 Income tax expense $ (39,221 ) $ (2,563 ) $ (41,784 ) Total assets $ 1,859,950 $ 83,913 $ 1,943,863 Year Ended December 31, 2020 CaaS 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

Note 5 - Investment in Equity_2

Note 5 - Investment in Equity-method Investee (Tables)	12 Months Ended
	Dec. 31, 2021
Notes Tables
Equity Method Investments [Table Text Block]	As of December 31, 2021 December 31, 2020 Loans, interest and fees receivables, at fair value $ — $ 1,994 Total assets $ — $ 2,105 Total liabilities $ — $ 10 Members’ capital $ — $ 2,095 Year ended December 31, 2021 2020 Net margin $ 94 $ 819 Net income $ 23 $ 684 Net income attributable to investee $ 16 $ 456

Note 6 - Fair Values of Asset_2

Note 6 - Fair Values of Assets and Liabilities (Tables)	12 Months Ended
	Dec. 31, 2021
Notes Tables
Fair Value, Assets Measured on Recurring Basis [Table Text Block]	Assets – As of December 31, 2021 (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 $ — $ — $ 402,380 $ 383,811 Loans, interest and fees receivable, at fair value $ — $ — $ 1,026,424 $ 1,026,424 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
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Table Text Block]	Loans, Interest and Fees Receivables, at Fair Value 2021 2020 Balance at January 1, $ 417,098 $ 4,386 Net revaluations of loans, interest and fees receivable, at fair value, included in earnings (110,283 ) (96,948 ) Principal chargeoffs, net of recoveries, included in earnings (78,463 ) (9,855 ) Finance chargeoffs, included in earnings (30,794 ) (2,746 ) Purchases 1,626,062 713,579 Settlements (1,163,503 ) (295,301 ) Finance and fees, included in earnings 366,307 103,983 Balance at December 31, $ 1,026,424 $ 417,098
Fair Value Measurement Inputs and Valuation Techniques [Table Text Block]	Fair Value Measurement Fair Value at December 31, 2021 (in thousands) Valuation Technique Unobservable Input Range (Weighted Average) Loans, interest and fees receivable, at fair value $ 1,026,424 Discounted cash flows Gross yield, net of finance charge charge-offs 27.8% 46.9% (40.9%) Payment rate 5.4% 12.9% (10.6%) Expected principal credit loss rate 7.8% 26.4% (23.5%) Servicing rate 3.4% 5.7% (4.6%) Discount rate 12.3% 13.5% (12.9%) 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% 56.5% (43.3%) Payment rate 3.9% 11.4% (8.5%) Expected principal credit loss rate 6.9% 31.4% (24.8%) Servicing rate 2.9% 14.2% (4.3%) Discount rate 12.8% 13.5% (13.3%) 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, Liabilities Measured on Recurring Basis [Table Text Block]	Liabilities – As of December 31, 2021 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 $ — $ — $ 1,255,518 $ 1,255,518 Amortizing debt facilities $ — $ — $ 23,346 $ 23,346 Senior notes, net $ 153,000 $ — $ — $ 142,951 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
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Table Text Block]	Notes Payable Associated with Structured Financings, at Fair Value 2021 2020 Balance at January 1, $ 2,919 $ 3,920 Net revaluations of notes payable associated with structured financings, at fair value, included in earnings (807 ) (1,001 ) Repayments on outstanding notes payable, net (2,112 ) — Balance at December 31, $ — $ 2,919
Fair Value Option, Disclosures [Table Text Block]	As of December 31, 2021 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 $ 1,249 $ 1,234,039 Aggregate unpaid principal balance included within loans, interest and fees receivable that are reported at fair value $ 1,204 $ 1,131,895 Aggregate fair value of loans, interest and fees receivable that are reported at fair value $ 1,215 $ 1,025,209 Aggregate fair value of receivables carried at fair value that are 90 days or more past due (which also coincides with finance charge and fee non-accrual policies) $ 8 $ 4,640 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 $ 13 $ 59,656 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 Notes Payable Notes Payable Associated with Structured Financings, at Fair Value as of December 31, 2020 Aggregate unpaid principal balance of notes payable $ 101,314 Aggregate fair value of notes payable $ 2,919

Note 7 - Property (Tables)

Note 7 - Property (Tables)	12 Months Ended
	Dec. 31, 2021
Notes Tables
Property, Plant and Equipment [Table Text Block]	As of December 31, 2021 2020 Software $ 1,695 $ 4,122 Furniture and fixtures 3,540 6,548 Data processing and telephone equipment 692 7,728 Leasehold improvements 10,539 10,570 Other 6,909 1,156 Total cost 23,375 30,124 Less accumulated depreciation (16,040 ) (27,884 ) Property, net $ 7,335 $ 2,240

Note 8 - Leases (Tables)

Note 8 - Leases (Tables)	12 Months Ended
	Dec. 31, 2021
Notes Tables
Lease, Cost [Table Text Block]	For the Year Ended December 31, 2021 2020 Operating lease cost, gross $ 6,905 $ 6,879 Sublease income (5,234 ) (5,133 ) Net Operating lease cost $ 1,671 $ 1,746 Cash paid under operating leases, gross $ 10,470 $ 10,278 Weighted average remaining lease term - months 14 Weighted average discount rate 6.0 %
Operating Lease, Liability and Payments to be Received, Maturity [Table Text Block]	Gross Lease Payment Payments received from Sublease Net Lease Payment 2022 $ 4,767 $ (3,112 ) $ 1,655 2023 511 — 511 2024 308 — 308 2025 163 — 163 2026 53 — 53 Thereafter 10 — 10 Total lease payments 5,812 (3,112 ) 2,700 Less imputed interest (970 ) Total $ 4,842

Note 9 - Variable Interest En_2

Note 9 - Variable Interest Entities (Tables)	12 Months Ended
	Dec. 31, 2021
Notes Tables
Schedule of Variable Interest Entities [Table Text Block]	As of December 31, 2021 December 31, 2020 Unrestricted cash and cash equivalents $ 209.5 $ 96.6 Restricted cash and cash equivalents 75.9 70.2 Loans, interest and fees receivable, at fair value 925.5 374.2 Loans, interest and fees receivable, gross 369.6 560.2 Allowances for uncollectible loans, interest and fees receivable (55.1 ) (120.9 ) Deferred revenue (8.2 ) (10.3 ) Total Assets held by VIEs $ 1,517.2 $ 970.0 Notes Payable, net held by VIEs $ 1,223.4 $ 827.1 Notes Payable, at fair value held by VIEs $ - $ 2.9 Maximum exposure to loss due to involvement with VIEs $ 1,289.1 $ 864.4

Note 10 - Notes Payable (Tables

Note 10 - Notes Payable (Tables)	12 Months Ended
	Dec. 31, 2021
Notes Tables
Schedule of Debt [Table Text Block]	As of December 31, 2021 December 31, 2020 Revolving credit facilities at a weighted average interest rate equal to 4.3 4.8 1,391.6 943.6 Revolving credit facility, not to exceed $ 55.0 November 1, 2023 $ 32.1 $ 34.9 Revolving credit facility, not to exceed $ 50.0 October 30, 2023 48.7 50.0 Revolving credit facility, not to exceed $ 70.0 May 2021 — 5.8 Revolving credit facility, not to exceed $ 100.0 October 15, 2022 — 10.0 Revolving credit facility, not to exceed $ 15.0 July 15, 2022 5.7 4.7 Revolving credit facility, not to exceed $ 100.0 August 15, 2022 — 2.5 Revolving credit facility, not to exceed $ 200.0 June 2021 — 200.0 Revolving credit facility, not to exceed $ 200.0 May 15, 2024 200.0 200.0 Revolving credit facility, not to exceed $ 25.0 April 21, 2023 19.2 7.8 Revolving credit facility, not to exceed $ 100.0 January 15, 2025 100.0 100.0 Revolving credit facility, not to exceed $ 250.0 October 15, 2025 250.0 250.0 Revolving credit facility, not to exceed $ 15.0 February 15, 2024 10.0 — Revolving credit facility, not to exceed $ 300.0 December 15, 2026 300.0 — Revolving credit facility, not to exceed $ 75.0 March 15, 2025 — — Revolving credit facility, not to exceed $ 300.0 May 15, 2026 300.0 — Other facilities Other debt 5.9 3.2 Unsecured term debt (expiring August 26, 2024 8.0 17.4 17.4 Amortizing debt facility (repaid in September 2021 — 5.0 Total notes payable before unamortized debt issuance costs and discounts 1,289.0 891.3 Unamortized debt issuance costs and discounts (10.1 ) (8.7 ) Total notes payable outstanding, net $ 1,278.9 $ 882.6
Structured Financing Notes Payable [Member]
Notes Tables
Schedule of Debt [Table Text Block]	Carrying Amounts at Fair Value as of December 31, 2020 Securitization facility (repaid in December 2021 101.3 5.7 2.9 $ 2.9

Note 11 - Convertible Senior _2

Note 11 - Convertible Senior Notes (Tables)	12 Months Ended
	Dec. 31, 2021
Notes Tables
Schedule of Long-term Debt Instruments [Table Text Block]	December 31, 2020 Face amount of convertible senior notes $ 33,839 Discount (9,453 ) Net carrying value $ 24,386 Carrying amount of equity component included in paid-in capital $ 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, 2021
Notes Tables
Schedule of Components of Income Tax Expense (Benefit) [Table Text Block]	For the Year Ended December 31, 2021 2020 Federal income tax (expense) benefit: Current tax (expense) benefit $ (34,910 ) $ 1,351 Deferred tax (expense) (2,369 ) (21,752 ) Total federal income tax (expense) $ (37,279 ) $ (20,401 ) Foreign income tax (expense) benefit: Current tax (expense) $ (107 ) $ (143 ) Deferred tax benefit (expense) 1 (5 ) Total foreign income tax (expense) $ (106 ) $ (148 ) State and other income tax benefit (expense): Current tax (expense) $ (4,910 ) $ (1,228 ) Deferred tax benefit 511 1,303 Total state and other income tax (expense) benefit $ (4,399 ) $ 75 Total income tax (expense) $ (41,784 ) $ (20,474 )
Schedule of Effective Income Tax Rate Reconciliation [Table Text Block]	For the Year Ended December 31, 2021 2020 Statutory federal expense rate 21.0 % 21.0 % (Decrease) increase in statutory federal tax expense rate resulting from: Share-based compensation, net of executive compensation deduction limitations (1.4 ) — Global intangible low-taxed income tax 0.1 0.2 Net interest and penalties related to uncertain tax positions and unpaid tax liabilities (including reversals thereof from IRS settlement in 2020) — (0.6 ) Interest expense on preferred stock classified as debt for tax purposes (1.6 ) (2.6 ) Foreign taxes, net of valuation allowance effects (0.1 ) (0.2 ) State taxes, net of valuation allowance effects 1.6 (0.1 ) Prior year provision to return reconciling items, tax effects of non-controlling interests, and other (0.6 ) 0.2 Effective tax expense rate 19.0 % 17.9 %
Schedule of Deferred Tax Assets and Liabilities [Table Text Block]	As of December 31, 2021 2020 Deferred tax assets: Software development costs/fixed assets $ — $ 75 Provision for loan loss 14,647 30,080 Credit card fair value election differences 48,730 173 Equity-based compensation 967 715 Accrued expenses 159 466 Accruals for state taxes and interest associated with unrecognized tax benefits and unpaid accrued tax liabilities 149 121 Federal net operating loss and capital loss carry-forwards — 11,279 Federal tax credits and minimum tax credit carry-forward — 25 Foreign net operating loss carry-forward 304 306 Interest expense on debt with equity treatment for tax purposes — 631 Other 506 202 State tax benefits, primarily from net operating losses 27,081 36,052 Deferred tax assets, gross $ 92,543 $ 80,125 Valuation allowances (22,716 ) (31,701 ) Deferred tax assets, net of valuation allowances $ 69,827 $ 48,424 Deferred tax (liabilities): Prepaid expenses and other $ (513 ) $ (225 ) Software development costs and fixed assets (41 ) — Equity in income of equity-method investee (697 ) (1,457 ) Market discount on acquired credit card and other loans receivable (94,958 ) (61,255 ) Deferred costs (590 ) (545 ) Convertible senior notes — (10,057 ) Deferred tax (liabilities), gross $ (96,799 ) $ (73,539 ) Deferred tax (liabilities), net $ (26,972 ) $ (25,115 )
Summary of Positions for which Significant Change in Unrecognized Tax Benefits is Reasonably Possible [Table Text Block]	2021 2020 Balance at January 1, $ (577 ) $ (513 ) Reductions based on tax positions related to prior years 33 — (Additions) reductions based on tax positions related to prior years (26 ) 48 Additions based on tax positions related to the current year (107 ) (82 ) Interest and penalties accrued (31 ) (30 ) Balance at December 31, $ (708 ) $ (577 )

Note 14 - Net Income Attribut_2

Note 14 - Net Income Attributable to Controlling Interests Per Common Share (Tables)	12 Months Ended
	Dec. 31, 2021
Notes Tables
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]	December 31, 2021 2020 Numerator: Net income attributable to controlling interests $ 177,902 $ 94,120 Preferred stock and preferred unit dividends and accretion (22,363 ) (17,070 ) Net income attributable to common shareholders—basic 155,539 77,050 Effect of dilutive preferred stock dividends and accretion 2,400 2,400 Net income attributable to common shareholders—diluted $ 157,939 $ 79,450 Denominator: Basic (including unvested share-based payment awards) (1) 15,074 14,486 Effect of dilutive stock compensation arrangements and exchange of preferred stock 5,824 5,616 Diluted (including unvested share-based payment awards) (1) 20,898 20,102 Net income attributable to common shareholders per share—basic $ 10.32 $ 5.32 Net income attributable to common shareholders per share—diluted $ 7.56 $ 3.95

Note 15 - Stock-based Compens_2

Note 15 - Stock-based Compensation (Tables)	12 Months Ended
	Dec. 31, 2021
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, 2020 2,423,466 $ 4.41 Issued 133,850 $ 37.37 Exercised (526,015 ) $ 3.58 Expired/Forfeited (13,332 ) $ 15.30 Outstanding at December 31, 2021 2,017,969 $ 6.74 1.2 $ 130,311,334 Exercisable at December 31, 2021 1,599,199 $ 3.82 0.7 $ 107,945,775
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, 2021 2020 Weighted average fair value per share of options granted $ 24.00 $ 9.47 Cash received from options exercised, net $ 1,885 $ 1,326 Aggregate intrinsic value of options exercised $ 13,673 $ 5,726 Grant date fair value of shares vested $ 834 $ 944

Note 2 - Significant Accounti_3

Note 2 - Significant Accounting Policies and Consolidated Financial Statement Components (Details Textual) $ in Thousands	Mar. 08, 2022shares	Feb. 28, 2022shares	Dec. 31, 2021USD ($)shares	Dec. 31, 2020USD ($)shares	Jan. 01, 2022USD ($)	Nov. 30, 2005
Payments to Acquire Loans and Leases Held-for-investment, Total			$ 194,800	$ 185,000
Loans and Leases Receivable, Deferred Income, Total			$ 29,281	$ 39,456
Weighted Average Remaining Accretion Period of Deferred Revenue (Month)			15 months	14 months
Unamortized Loan Commitment and Origination Fees and Unamortized Discounts or Premiums, Total			$ 20,400	$ 28,200
Financing Receivable, Allowance for Credit Loss, Recovery			$ 16,900	$ 26,200
Financing Receivable, Modifications, Number of Contracts			65,125	60,908
Financing Receivable, Troubled Debt Restructuring			$ 70,000	$ 70,300
Asset Impairment Charges, Total			0	0
Gain (Loss) on Extinguishment of Debt, Total			(29,439)	0
Loans Receivable, Fair Value Disclosure			1,026,424	417,098
Loans and Leases Receivable, Gross, Total			470,293	667,556
Loans and Leases Receivable, Allowance, Ending Balance			57,201	124,961
Accounts Payable and Accrued Liabilities, Total			42,287	41,731
Retained Earnings (Accumulated Deficit), Ending Balance			$ 60,236	$ (117,666)
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercises in Period (in shares) | shares			526,015
Stock Repurchased and Retired During Period, Shares (in shares) | shares			434,381	245,534
Subsequent Event [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercises in Period (in shares) | shares		526,864
Stock Repurchased and Retired During Period, Shares (in shares) | shares	451,407
Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Subsequent Event [Member]
Loans and Leases Receivable, Deferred Income, Total					$ (15,000)
Loans Receivable, Fair Value Disclosure					315,000
Loans and Leases Receivable, Gross, Total					(375,000)
Loans and Leases Receivable, Allowance, Ending Balance					(55,000)
Accounts Payable and Accrued Liabilities, Total					(600)
Deferred Income Tax Liabilities, Net, Total					2,000
Retained Earnings (Accumulated Deficit), Ending Balance					$ 8,000
Five Point Eight Seven Five Percent Convertible Senior Notes Due Two Thousand Thirty Five [Member] | Convertible Debt [Member]
Debt Instrument, Interest Rate, Stated Percentage						5.875%
Extinguishment of Debt, Amount			$ 33,800
Repayments of Convertible Debt			54,300
Gain (Loss) on Extinguishment of Debt, Total			$ (29,400)
Equity Method Investment to Acquire Portfolio of Credit Card Receivables [Member]
Equity Method Investment, Ownership Percentage			66.70%	66.70%
A Consumer Finance Technology Company [Member]
Proceeds from Equity Method Investment, Distribution			$ 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			$ 8,700	$ 12,400
Receivable Recoveries from Sales of Charged-Off Accounts to Third-Parties [Member]
Financing Receivable, Allowance for Credit Loss, Recovery			$ 8,200	$ 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, 2021	Dec. 31, 2020
Balance at beginning of period	$ (125,000)	$ (186,300)
Provision for loan losses	(36,455)	(142,719)
Charge offs	121,200	230,200
Recoveries	(16,900)	(26,200)
Balance at end of period	(57,200)	(125,000)
Balance at end of period individually evaluated for impairment	(100)	(300)
Balance at end of period collectively evaluated for impairment	(57,100)	(124,700)
Loans, interest and fees receivable, gross	470,293	667,556
Loans, interest and fees receivable individually evaluated for impairment	400	2,300
Loans, interest and fees receivable collectively evaluated for impairment	469,900	665,300
Credit Card Receivable [Member]
Balance at beginning of period	(88,200)	(121,300)
Provision for loan losses	(34,900)	(112,100)
Charge offs	88,600	155,100
Recoveries	(8,900)	(9,900)
Balance at end of period	(43,400)	(88,200)
Balance at end of period individually evaluated for impairment	0	0
Balance at end of period collectively evaluated for impairment	(43,400)	(88,200)
Loans, interest and fees receivable, gross	259,500	364,200
Loans, interest and fees receivable individually evaluated for impairment	0	0
Loans, interest and fees receivable collectively evaluated for impairment	259,500	364,200
Automobile Loan [Member]
Balance at beginning of period	(1,700)	(1,600)
Provision for loan losses	(200)	(2,000)
Charge offs	1,500	3,000
Recoveries	(1,000)	(1,100)
Balance at end of period	(1,400)	(1,700)
Balance at end of period individually evaluated for impairment	(100)	(300)
Balance at end of period collectively evaluated for impairment	(1,300)	(1,400)
Loans, interest and fees receivable, gross	94,600	93,200
Loans, interest and fees receivable individually evaluated for impairment	400	2,300
Loans, interest and fees receivable collectively evaluated for impairment	94,200	90,900
Other Unsecured Lending Products [Member]
Balance at beginning of period	(35,100)	(63,400)
Provision for loan losses	(1,400)	(28,600)
Charge offs	31,100	72,100
Recoveries	(7,000)	(15,200)
Balance at end of period	(12,400)	(35,100)
Balance at end of period individually evaluated for impairment	0	0
Balance at end of period collectively evaluated for impairment	(12,400)	(35,100)
Loans, interest and fees receivable, gross	116,200	210,200
Loans, interest and fees receivable individually evaluated for impairment	0	0
Loans, interest and fees receivable collectively evaluated for impairment	$ 116,200	$ 210,200

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, 2021	Dec. 31, 2020
Total loans, interest and fees receivable, gross	$ 470,293	$ 667,556
Balance of loans greater than 90-days delinquent still accruing interest and fees	1,500	1,500
Financial Asset, 30 to 59 Days Past Due [Member]
Total loans, interest and fees receivable, gross	17,800	25,100
Financial Asset, 60 to 89 Days Past Due [Member]
Total loans, interest and fees receivable, gross	12,100	14,600
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Total loans, interest and fees receivable, gross	26,700	31,500
Financial Asset, Past Due [Member]
Total loans, interest and fees receivable, gross	56,600	71,200
Financial Asset, Not Past Due [Member]
Total loans, interest and fees receivable, gross	413,700	596,400
Credit Card Receivable [Member]
Total loans, interest and fees receivable, gross	259,500	364,200
Balance of loans greater than 90-days delinquent still accruing interest and fees	0	0
Credit Card Receivable [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Total loans, interest and fees receivable, gross	7,300	12,400
Credit Card Receivable [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Total loans, interest and fees receivable, gross	6,900	8,000
Credit Card Receivable [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Total loans, interest and fees receivable, gross	17,900	19,900
Credit Card Receivable [Member] | Financial Asset, Past Due [Member]
Total loans, interest and fees receivable, gross	32,100	40,300
Credit Card Receivable [Member] | Financial Asset, Not Past Due [Member]
Total loans, interest and fees receivable, gross	227,400	323,900
Automobile Loan [Member]
Total loans, interest and fees receivable, gross	94,600	93,200
Balance of loans greater than 90-days delinquent still accruing interest and fees	1,500	1,500
Automobile Loan [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Total loans, interest and fees receivable, gross	7,200	7,600
Automobile Loan [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Total loans, interest and fees receivable, gross	2,600	2,800
Automobile Loan [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Total loans, interest and fees receivable, gross	2,000	2,100
Automobile Loan [Member] | Financial Asset, Past Due [Member]
Total loans, interest and fees receivable, gross	11,800	12,500
Automobile Loan [Member] | Financial Asset, Not Past Due [Member]
Total loans, interest and fees receivable, gross	82,800	80,700
Other Unsecured Lending Products [Member]
Total loans, interest and fees receivable, gross	116,200	210,200
Balance of loans greater than 90-days delinquent still accruing interest and fees	0	0
Other Unsecured Lending Products [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Total loans, interest and fees receivable, gross	3,300	5,100
Other Unsecured Lending Products [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Total loans, interest and fees receivable, gross	2,600	3,800
Other Unsecured Lending Products [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Total loans, interest and fees receivable, gross	6,800	9,500
Other Unsecured Lending Products [Member] | Financial Asset, Past Due [Member]
Total loans, interest and fees receivable, gross	12,700	18,400
Other Unsecured Lending Products [Member] | Financial Asset, Not Past Due [Member]
Total loans, interest and fees receivable, gross	$ 103,500	$ 191,800

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, 2021USD ($)	Dec. 31, 2020USD ($)
Amount of TDRs on non-accrual status (in thousands)		$ 70,000	$ 70,300
Point-of-Sale [Member]
Number of TDRs		14,919	12,394
Amount of TDRs on non-accrual status (in thousands)		$ 17,152	$ 14,537
Carrying value of TDRs (in thousands)		$ 11,173	$ 9,583
Number of accounts		3,119	3,065
Loan balance at time of charge off (in thousands)		$ 4,642	$ 4,352
Point-of-Sale [Member] | Performing Financial Instruments [Member]
Carrying value of TDRs (in thousands)	[1]	8,797	7,420
Point-of-Sale [Member] | Nonperforming Financial Instruments [Member]
Carrying value of TDRs (in thousands)	[1]	$ 2,376	$ 2,163
Point-of-Sale [Member] | Extended Maturity [Member]
Number of TDRs		812	2,788
Amount of TDRs on non-accrual status (in thousands)		$ 1,205	$ 4,662
Direct-to-Consumer [Member]
Number of TDRs		39,322	37,784
Amount of TDRs on non-accrual status (in thousands)		$ 25,154	$ 26,989
Carrying value of TDRs (in thousands)		$ 15,502	$ 14,287
Number of accounts		7,765	7,665
Loan balance at time of charge off (in thousands)		$ 6,455	$ 6,745
Direct-to-Consumer [Member] | Performing Financial Instruments [Member]
Carrying value of TDRs (in thousands)	[1]	13,387	11,855
Direct-to-Consumer [Member] | Nonperforming Financial Instruments [Member]
Carrying value of TDRs (in thousands)	[1]	$ 2,115	$ 2,432
Direct-to-Consumer [Member] | Extended Maturity [Member]
Number of TDRs		2,035	7,846
Amount of TDRs on non-accrual status (in thousands)		$ 1,553	$ 6,890
[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, 2021	Dec. 31, 2020
Revenue from contracts with customers		$ 30,606	$ 15,431
Credit and Debit Card [Member]
Revenue from contracts with customers	[1]	18,134	9,500
Servicing Income [Member]
Revenue from contracts with customers		3,095	2,181
Service Charges and Other Customer Related Fees [Member]
Revenue from contracts with customers		9,377	3,750
Credit and Other Investments [Member]
Revenue from contracts with customers		29,322	14,372
Credit and Other Investments [Member] | Credit and Debit Card [Member]
Revenue from contracts with customers	[1]	18,134	9,500
Credit and Other Investments [Member] | Servicing Income [Member]
Revenue from contracts with customers		1,871	1,187
Credit and Other Investments [Member] | Service Charges and Other Customer Related Fees [Member]
Revenue from contracts with customers		9,317	3,685
Auto Finance [Member]
Revenue from contracts with customers		1,284	1,059
Auto Finance [Member] | Credit and Debit Card [Member]
Revenue from contracts with customers	[1]	0	0
Auto Finance [Member] | Servicing Income [Member]
Revenue from contracts with customers		1,224	994
Auto Finance [Member] | Service Charges and Other Customer Related Fees [Member]
Revenue from contracts with customers		$ 60	$ 65
[1]	Interchange revenue is presented net of customer reward expense.

Note 3 - Segment Reporting (Det

Note 3 - Segment Reporting (Details Textual)	12 Months Ended
	Dec. 31, 2021
Number of Reportable Segments	2

Note 3 - Segment Reporting - Su

Note 3 - Segment Reporting - Summary of Operating Segment Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Consumer loans, including past due fees	$ 518,783	$ 410,616
Fees and related income on earning assets	194,466	133,960
Other revenue	30,606	15,431
Other non-operating revenue	4,201	3,403
Total revenue	748,056	563,410
Interest expense	(54,127)	(51,548)
Provision for losses on loans, interest and fees receivable recorded at net realizable value	(36,455)	(142,719)
Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value	(218,733)	(108,548)
Net margin	438,741	260,595
Income before income taxes	219,573	114,391
Income tax benefit (expense)	(41,784)	(20,474)
Total assets	1,943,863	1,207,214
Credit and Other Investments [Member]
Consumer loans, including past due fees	485,241	378,817
Fees and related income on earning assets	194,392	133,891
Other revenue	29,322	14,372
Other non-operating revenue	4,135	3,360
Total revenue	713,090	530,440
Interest expense	(53,093)	(50,387)
Provision for losses on loans, interest and fees receivable recorded at net realizable value	(36,262)	(140,683)
Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value	(218,733)	(108,548)
Net margin	405,002	230,822
Income before income taxes	208,926	105,429
Income tax benefit (expense)	(39,221)	(18,257)
Total assets	1,859,950	1,124,618
Auto Finance [Member]
Consumer loans, including past due fees	33,542	31,799
Fees and related income on earning assets	74	69
Other revenue	1,284	1,059
Other non-operating revenue	66	43
Total revenue	34,966	32,970
Interest expense	(1,034)	(1,161)
Provision for losses on loans, interest and fees receivable recorded at net realizable value	(193)	(2,036)
Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value	0	0
Net margin	33,739	29,773
Income before income taxes	10,647	8,962
Income tax benefit (expense)	(2,563)	(2,217)
Total assets	$ 83,913	$ 82,596

Note 4 - Shareholders' Equity_2

Note 4 - Shareholders' Equity and Preferred Stock (Details Textual) - USD ($)	Jul. 08, 2021	Jun. 08, 2021	Mar. 30, 2020	Dec. 27, 2019	Dec. 31, 2021	Dec. 31, 2020	Nov. 14, 2019	Nov. 26, 2014
Stock Repurchased and Retired During Period, Shares (in shares)					434,381	245,534
Stock Repurchased and Retired During Period, Value					$ 25,219,000	$ 3,353,000
Own-share Lending Arrangement, Shares, Outstanding (in shares)						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]
Preferred stock, shares issued (in shares)				400,000	400,000	400,000
Preferred stock, liquidation preference				$ 40,000,000	$ 40,000,000	$ 40,000,000
Preferred Stock, Dividend Rate, Percentage				6.00%
Temporary Equity, Redemption Price Per Share (in dollars per share)				$ 100
Temporary Equity, Conversion Price Per Share (in dollars per share)				$ 10
Series B Preferred Stock [Member]
Stock Issued During Period, Shares, New Issues (in shares)	388,533
Preferred Stock, No Par Value (in dollars per share)					$ 0	$ 0
Proceeds from Issuance of Preferred Stock and Preference Stock	$ 9,700,000
Preferred Stock, Redemption Price Per Share (in dollars per share)	$ 25
Series B Preferred Stock [Member] | Public Offering [Member]
Preferred Stock, Dividend Rate, Percentage		7.625%
Stock Issued During Period, Shares, New Issues (in shares)		2,800,000
Preferred Stock, No Par Value (in dollars per share)		$ 0
Preferred Stock, Liquidation Preference Per Share (in dollars per share)		25
Shares Issued, Price Per Share (in dollars per share)		$ 25
Proceeds from Issuance of Preferred Stock and Preference Stock		$ 70,000,000
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, 2021	Dec. 31, 2020
Equity Method Investment to Acquire Portfolio of Credit Card Receivables [Member]
Equity Method Investment, Ownership Percentage	66.70%	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, 2021	Dec. 31, 2020	Dec. 31, 2019
Total assets	$ 1,943,863	$ 1,207,214
Total liabilities	1,516,714	991,354
Members’ capital	287,499	76,510	$ 335
Net margin	748,056	563,410
Net income	177,789	93,917
Net income attributable to investee	16	456
Equity Method Investment, Nonconsolidated Investee or Group of Investees [Member]
Loans, interest and fees receivables, at fair value	0	1,994
Total assets	0	2,105
Total liabilities	0	10
Members’ capital	0	2,095
Net margin	94	819
Net income	$ 23	$ 684

Note 6 - Fair Values of Asset_3

Note 6 - Fair Values of Assets and Liabilities - Summary of Fair Value Hierarchy for Assets (Details) - USD ($) $ in Thousands		Dec. 31, 2021	Dec. 31, 2020
Loans, interest and fees receivable, at fair value		$ 1,026,424	$ 417,098
Fair Value, Recurring [Member]
Loans, interest and fees receivable, net for which it is practicable to estimate fair value	[1]	383,811	503,139
Loans, interest and fees receivable, at fair value	[1]	1,026,424	417,098
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]	0	0
Loans, interest and fees receivable, at fair value	[1]	0	0
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]	0	0
Loans, interest and fees receivable, at fair value	[1]	0	0
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]	402,380	586,908
Loans, interest and fees receivable, at fair value	[1]	$ 1,026,424	$ 417,098
[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_4

Note 6 - Fair Values of Assets and Liabilities - Reconciliation of Level 3 Assets (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Balance	$ 417,098	$ 4,386
Net revaluations of loans, interest and fees receivable, at fair value, included in earnings	(110,283)	(96,948)
Principal chargeoffs, net of recoveries, included in earnings	(78,463)	(9,855)
Finance chargeoffs, included in earnings	(30,794)	(2,746)
Purchases	1,626,062	713,579
Settlements	(1,163,503)	(295,301)
Finance and fees, included in earnings	366,307	103,983
Balance	$ 1,026,424	$ 417,098

Note 6 - Fair Values of Asset_5

Note 6 - Fair Values of Assets and Liabilities - Quantitative Information about Level 3 Assets and Liabilities Fair Value Measurements (Details) $ in Thousands	Dec. 31, 2021USD ($)	Dec. 31, 2020USD ($)
Loans, interest and fees receivable, at fair value	$ 1,026,424	$ 417,098
Notes payable associated with structured financings, at fair value	0	2,919
Valuation Technique, Discounted Cash Flow [Member]
Notes payable associated with structured financings, at fair value		2,919
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Gross Yield [Member]
Loans, interest and fees receivable, at fair value	$ 1,026,424	$ 417,098
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Gross Yield [Member] | Minimum [Member]
Loans and fees receivable, measurement input	0.278	0.227
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Gross Yield [Member] | Maximum [Member]
Loans and fees receivable, measurement input	0.469	0.565
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Gross Yield [Member] | Weighted Average [Member]
Loans and fees receivable, measurement input	0.409	0.433
Notes payable associated with structured financings, measurement input		0.237
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Constant Prepayment Rate [Member] | Minimum [Member]
Loans and fees receivable, measurement input	0.054	0.039
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Constant Prepayment Rate [Member] | Maximum [Member]
Loans and fees receivable, measurement input	0.129	0.114
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Constant Prepayment Rate [Member] | Weighted Average [Member]
Loans and fees receivable, measurement input	0.106	0.085
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Prepayment Rate [Member] | Weighted Average [Member]
Notes payable associated with structured financings, measurement input		0.039
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Default Rate [Member] | Minimum [Member]
Loans and fees receivable, measurement input	0.078	0.069
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Default Rate [Member] | Maximum [Member]
Loans and fees receivable, measurement input	0.264	0.314
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Default Rate [Member] | Weighted Average [Member]
Loans and fees receivable, measurement input	0.235	0.248
Notes payable associated with structured financings, measurement input		0.079
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Servicing Rate [Member] | Minimum [Member]
Loans and fees receivable, measurement input	0.034	0.029
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Servicing Rate [Member] | Maximum [Member]
Loans and fees receivable, measurement input	0.057	0.142
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Servicing Rate [Member] | Weighted Average [Member]
Loans and fees receivable, measurement input	0.046	0.043
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Discount Rate [Member] | Minimum [Member]
Loans and fees receivable, measurement input	0.123	0.128
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Discount Rate [Member] | Maximum [Member]
Loans and fees receivable, measurement input	0.135	0.135
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Discount Rate [Member] | Weighted Average [Member]
Loans and fees receivable, measurement input	0.129	0.133
Notes payable associated with structured financings, measurement input		0.132

Note 6 - Fair Values of Asset_6

Note 6 - Fair Values of Assets and Liabilities - Summary of Fair Value Hierarchy for Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Revolving credit facilities	$ 1,255,518	$ 857,068
Amortizing debt facilities	23,346	25,542
Senior notes, net	142,951	24,386
Notes payable associated with structured financings, at fair value	0	2,919
Fair Value, Inputs, Level 1 [Member]
Revolving credit facilities	0	0
Amortizing debt facilities	0	0
Senior notes, net	153,000	0
Notes payable associated with structured financings, at fair value		0
Fair Value, Inputs, Level 2 [Member]
Revolving credit facilities	0	0
Amortizing debt facilities	0	0
Senior notes, net	0	41,284
Notes payable associated with structured financings, at fair value		0
Fair Value, Inputs, Level 3 [Member]
Revolving credit facilities	1,255,518	857,068
Amortizing debt facilities	23,346	25,542
Senior notes, net	$ 0	0
Notes payable associated with structured financings, at fair value		$ 2,919

Note 6 - Fair Values of Asset_7

Note 6 - Fair Values of Assets and Liabilities - Reconciliation of Level 3 Liabilities (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Balance	$ 2,919	$ 3,920
Net revaluations of notes payable associated with structured financings, at fair value, included in earnings	(807)	(1,001)
Repayments on outstanding notes payable, net	(2,112)	0
Balance	$ 0	$ 2,919

Note 6 - Fair Values of Asset_8

Note 6 - Fair Values of Assets and Liabilities - Summary of Other Relevant Data (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Loans, interest and fees receivable, at fair value	$ 1,026,424	$ 417,098
Loans and Fees Receivable at Fair Value [Member]
Aggregate unpaid gross balance of loans, interest and fees receivable that are reported at fair value	1,249	630
Aggregate unpaid principal balance included within loans, interest and fees receivable that are reported at fair value	1,204	589
Loans, interest and fees receivable, at fair value	1,215	540
Aggregate fair value of receivables carried at fair value that are 90 days or more past due (which also coincides with finance charge and fee non-accrual policies)	8	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	13	4
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	1,234,039	515,434
Aggregate unpaid principal balance included within loans, interest and fees receivable that are reported at fair value	1,131,895	487,779
Loans, interest and fees receivable, at fair value	1,025,209	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)	4,640	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	$ 59,656	12,972
Structured Financing Notes Payable [Member]
Aggregate unpaid principal balance included within loans, interest and fees receivable that are reported at fair value		101,314
Aggregate fair value of notes payable		$ 2,919

Note 7 - Property (Details Text

Note 7 - Property (Details Textual) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Depreciation, Total	$ 1.5	$ 1.2

Note 7 - Property - Schedule of

Note 7 - Property - Schedule of Property (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Property, plant and equipment	$ 23,375	$ 30,124
Less accumulated depreciation	(16,040)	(27,884)
Property, net	7,335	2,240
Software and Software Development Costs [Member]
Property, plant and equipment	1,695	4,122
Furniture and Fixtures [Member]
Property, plant and equipment	3,540	6,548
Data Processing and Telephone Equipment [Member]
Property, plant and equipment	692	7,728
Leasehold Improvements [Member]
Property, plant and equipment	10,539	10,570
Other Capitalized Property Plant and Equipment [Member]
Property, plant and equipment	$ 6,909	$ 1,156

Note 8 - Leases (Details Textua

Note 8 - Leases (Details Textual) $ in Millions	12 Months Ended
	Dec. 31, 2021	Aug. 31, 2021USD ($)ft²
Operating Leases, Options to Extend for Additional Periods, Revolving Periods (Year)	1 year
Operating Lease in Atlanta, Georgia [Member]
Area of Real Estate Property (Square Foot) | ft²		73,000
Lessee, Operating Lease, Lease Not yet Commenced, Term of Contract (Month)		146 months
Lessee, Operating Lease, Lease Not yet Commenced, Commitment | $		$ 27.8
Minimum [Member]
Lessee, Operating Lease, Term of Contract (Year)	1 year
Maximum [Member]
Lessee, Operating Lease, Term of Contract (Year)	6 years

Note 8 - Leases - Lease Cost (D

Note 8 - Leases - Lease Cost (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Operating lease cost, gross	$ 6,905	$ 6,879
Sublease income	(5,234)	(5,133)
Net Operating lease cost	1,671	1,746
Cash paid under operating leases, gross	$ 10,470	$ 10,278
Weighted average remaining lease term - months (Month)	14 months
Weighted average discount rate	6.00%

Note 8 - Leases - Maturities of

Note 8 - Leases - Maturities of Lease Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
2022, gross	$ 4,767
2022, payments received from sublease	(3,112)
2022, net lease payment	1,655
2023, gross	511
2023, payments received from sublease	0
2023, net lease payment	511
2024, gross	308
2024, payments received from sublease	0
2024, net lease payment	308
2025, gross	163
2025, payments received from sublease	0
2025, net lease payment	163
2026, gross	53
2026, payments received from sublease	0
2026, net lease payment	53
Thereafter, gross	10
Thereafter, payments received from sublease	0
Thereafter, net lease payment	10
Gross, gross	5,812
Sublease income, payments received from sublease	(3,112)
Lease payments, net lease payment	2,700
Less imputed interest, gross	(970)
Total, net	$ 4,842	$ 13,776

Note 9 - Variable Interest En_3

Note 9 - Variable Interest Entities - Summary of Variable Interest Entities (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Unrestricted cash and cash equivalents	$ 409,660	$ 178,102
Restricted cash and cash equivalents	96,968	80,859
Loans, interest and fees receivable, at fair value	1,026,424	417,098
Total loans, interest and fees receivable, gross	470,293	667,556
Allowances for uncollectible loans, interest and fees receivable	(57,201)	(124,961)
Deferred revenue	(29,281)	(39,456)
Total Assets held by VIEs	1,943,863	1,207,214
Notes Payable, net held by VIEs	1,278,864	882,610
Notes Payable, at fair value held by VIEs	0	2,919
Maximum exposure to loss due to involvement with VIEs	1,289,100	864,400
Variable Interest Entity, Primary Beneficiary [Member]
Unrestricted cash and cash equivalents	209,500	96,600
Restricted cash and cash equivalents	75,900	70,200
Loans, interest and fees receivable, at fair value	925,500	374,200
Total loans, interest and fees receivable, gross	369,600	560,200
Allowances for uncollectible loans, interest and fees receivable	(55,100)	(120,900)
Deferred revenue	(8,200)	(10,300)
Total Assets held by VIEs	1,517,200	970,000
Notes Payable, net held by VIEs	1,223,400	827,100
Notes Payable, at fair value held by VIEs	$ 0	$ 2,900

Note 10 - Notes Payable (Detail

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

1 Months Ended

5 Months Ended

9 Months Ended

12 Months Ended

Nov. 30, 2021

Sep. 30, 2021

Jun. 30, 2021

Oct. 31, 2020

Jul. 31, 2020

Nov. 30, 2019

Jun. 30, 2019

May 31, 2021

Sep. 30, 2021

Dec. 31, 2021

Jan. 31, 2021

Dec. 31, 2020

Sep. 30, 2019

Aug. 31, 2019

Dec. 31, 2018

Dec. 31, 2017

Feb. 28, 2017

Oct. 31, 2015

Long-term Line of Credit, Total

$ 1,255,518

$ 857,068

Proceeds from Issuance of Long-term Debt, Total

$ 300,000

$ 300,000

$ 250,000

$ 100,000

$ 200,000

$ 200,000

Asset Backed Securities, Term of Revolving Structure (Year)

3 years

24 months

4 years

41 months

3 years

3 years

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

18 months

18 months

18 months

Asset Backed Securities, Weighted Average Interest Rate

3.53%

4.24%

4.10%

5.47%

4.91%

Term Facility [Member]

Line of Credit Facility, Maximum Borrowing Capacity

$ 75,000

$ 75,000

$ 15,000

Long-term Line of Credit, Total

$ 0

$ 10,000

$ 0

Debt Instrument, Interest Rate, Stated Percentage

2.75%

2.75%

Term Note [Member]

Long-term Debt, Total

$ 17,400

Debt Instrument, Interest Rate, Stated Percentage

8.00%

Senior Notes [Member]

Debt Instrument, Interest Rate, Stated Percentage

6.125%

Debt Instrument, Face Amount

$ 150,000

Amortization of Debt Issuance Costs

100

Minimum [Member]

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

11 months

12 months

Minimum [Member] | Term Facility [Member]

Debt Instrument, Interest Rate, Stated Percentage

4.00%

Maximum [Member]

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

18 months

18 months

Revolving Credit Facility [Member]

Line of Credit Facility, Maximum Borrowing Capacity

$ 50,000

Long-term Line of Credit, Total

48,700

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

Line of Credit Facility, Maximum Borrowing Capacity

$ 30,000

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

Line of Credit Facility, Maximum Borrowing Capacity

55,000

Long-term Line of Credit, Total

32,100

Trust Funding Notes Facility [Member]

Line of Credit Facility, Maximum Borrowing Capacity

$ 70,000

$ 90,000

Trust Funding Notes Facility [Member] | Other Nonoperating Income (Expense) [Member]

Removal of Accrual Related to Contingent Liability

$ 1,500

Additional Trust Funding Notes Facilities [Member]

Line of Credit Facility, Maximum Borrowing Capacity

$ 200,000

Long-term Line of Credit, Total

0

December 2017 Revolving Credit Facility [Member]

Line of Credit Facility, Maximum Borrowing Capacity

$ 25,000

Long-term Line of Credit, Total

19,200

June 2019 Revolving Credit Facility [Member]

Line of Credit Facility, Maximum Borrowing Capacity

$ 15,000

Long-term Line of Credit, Total

$ 5,700

London Interbank Offered Rate (LIBOR) [Member]

Debt Instrument, Variable Rate

0.10%

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] | 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] | Additional Trust Funding Notes Facilities [Member] | Minimum [Member]

Debt Instrument, Basis Spread on Variable Rate

4.50%

London Interbank Offered Rate (LIBOR) [Member] | Additional Trust Funding Notes Facilities [Member] | Maximum [Member]

Debt Instrument, Basis Spread on Variable Rate

6.50%

London Interbank Offered Rate (LIBOR) [Member] | December 2017 Revolving Credit Facility [Member]

Debt Instrument, Basis Spread on Variable Rate

3.50%

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

3.15%

Note 10 - Notes Payable - Sched

Note 10 - Notes Payable - Schedule of Notes Payable at Face Value and Notes Payable to Related Parties (Details) - USD ($) $ in Thousands		Dec. 31, 2021	Dec. 31, 2020
Revolving credit facilities		$ 1,255,518	$ 857,068
Amortizing debt facilities		23,346	25,542
Total notes payable before unamortized debt issuance costs and discounts	[1]	1,289,000	891,300
Unamortized debt issuance costs and discounts	[1]	(10,100)	(8,700)
Total notes payable outstanding, net	[1]	1,278,900	882,600
Other Secured Debt [Member]
Amortizing debt facilities		5,900	3,200
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 Two [Member]
Amortizing debt facilities	[2],[3],[4],[5]	0	5,000
Revolving Credit Facility Expiring November 1, 2023 [Member]
Revolving credit facilities	[1],[2],[5],[6]	32,100	34,900
Revolving Credit Facility Expiring October 30, 2022 [Member]
Revolving credit facilities	[1],[2],[3],[4],[5]	48,700	50,000
Revolving Credit Facility Repaid in May 2021 [Member]
Revolving credit facilities	[1],[2],[3],[4],[5],[7]	0	5,800
Revolving Credit Facility Expiring October 15, 2022 [Member]
Revolving credit facilities	[1],[2],[3],[4],[5],[7]	0	10,000
Revolving Credit Facility Expiring July 15 2021 [Member]
Revolving credit facilities	[1],[2],[3],[4],[5]	5,700	4,700
Revolving Credit Facility Expiring August 15, 2022 [Member]
Revolving credit facilities	[1],[2],[3],[4],[5],[7]	0	2,500
Revolving Credit Facility Repaid in June 2021 [Member]
Revolving credit facilities	[1],[2],[3],[4],[7]	0	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]	19,200	7,800
Revolving Credit Facility Expiring January 15, 2025 [Member]
Revolving credit facilities	[1],[2],[3],[4],[7]	100,000	100,000
Revolving Credit Facility Expiring October 15, 2025 [Member]
Revolving credit facilities	[1],[2],[3],[4],[7]	250,000	250,000
Revolving Credit Facility Expiring February 15, 2024 [Member]
Revolving credit facilities	[1],[2],[3],[4]	10,000	0
Revolving Credit Facility Expiring December 15, 2026 [Member]
Revolving credit facilities	[1],[2],[3],[4],[7]	300,000	0
Revolving Credit Facility Expiring March, 2025 [Member]
Revolving credit facilities	[2],[3],[4],[7]	0	0
Revolving Credit Facility Expiring May 15, 2026 [Member]
Revolving credit facilities		$ 300,000	$ 0
[1]	As of September 30, 2021, the LIBOR rate was 0.08% and the prime rate was 3.25%.
[2]	See below for additional information.
[3]	Loans are associated with VIEs.
[4]	Loans are subject to certain affirmative covenants tied to default rates and other performance metrics the failure of which could result in required early repayment of the remaining unamortized balances of the notes.
[5]	These notes reflect modifications to either extend the maturity date, increase the loan amount or both, and are treated as accounting modifications.
[6]	Loan is subject to certain affirmative covenants, including a coverage ratio, a leverage ratio and a collateral performance test, the failure of which could result in required early repayment of all or a portion of the outstanding balance by our CAR Auto Finance operations.
[7]	Creditors do not have recourse against the general assets of the Company but only to the collateral within the VIEs.

Note 10 - Notes Payable - Sch_2

Note 10 - Notes Payable - Schedule of Notes Payable at Face Value and Notes Payable to Related Parties (Details) (Parentheticals) - USD ($) $ in Millions		12 Months Ended
		Dec. 31, 2021	Dec. 31, 2020	Oct. 31, 2015
Phoenix [Member]
Interest rate	[1]	8.00%	8.00%
Debt maturity	[1]	Aug. 26, 2024	Aug. 26, 2024
Amortizing Debt Facility Two [Member]
Debt maturity	[1],[2],[3],[4]	Sep. 30, 2021	Sep. 30, 2021
Revolving Credit Facility Expiring November 1, 2023 [Member]
Revolving credit facility, maximum borrowing capacity	[1],[4],[5],[6]	$ 55	$ 55
Revolving credit facility, expiration date	[1],[4],[5],[6]	Nov. 1, 2023	Nov. 1, 2023
Revolving Credit Facility [Member]
Revolving credit facility, maximum borrowing capacity				$ 50
Amount of securing assets		$ 1,391.6	$ 943.6
Interest rate		4.30%	4.80%
Revolving Credit Facility Expiring October 30, 2022 [Member]
Revolving credit facility, maximum borrowing capacity	[1],[2],[3],[4],[5]	$ 50	$ 50
Revolving credit facility, expiration date	[1],[2],[3],[4],[5]	Oct. 30, 2023	Oct. 30, 2023
Revolving Credit Facility Repaid in May 2021 [Member]
Revolving credit facility, maximum borrowing capacity	[1],[2],[3],[4],[5],[7]	$ 70	$ 70
Revolving credit facility, expiration date		May 31, 2021	May 31, 2021
Revolving Credit Facility Expiring October 15, 2022 [Member]
Revolving credit facility, maximum borrowing capacity	[1],[2],[3],[4],[5],[7]	$ 100	$ 100
Revolving credit facility, expiration date	[1],[2],[3],[4],[5],[7]	Oct. 15, 2022	Oct. 15, 2022
Revolving Credit Facility Expiring July 15 2021 [Member]
Revolving credit facility, maximum borrowing capacity	[1],[2],[3],[4],[5]	$ 15	$ 15
Revolving credit facility, expiration date	[1],[2],[3],[4],[5]	Jul. 15, 2022	Jul. 15, 2022
Revolving Credit Facility Expiring August 15, 2022 [Member]
Revolving credit facility, maximum borrowing capacity	[1],[2],[3],[4],[5],[7]	$ 100	$ 100
Revolving credit facility, expiration date	[1],[2],[3],[4],[5],[7]	Aug. 15, 2022	Aug. 15, 2022
Revolving Credit Facility Repaid in June 2021 [Member]
Revolving credit facility, maximum borrowing capacity	[1],[2],[3],[5],[7]	$ 200	$ 200
Revolving credit facility, expiration date		Jun. 30, 2021	Jun. 30, 2021
Revolving Credit Facility Expiring May 15, 2024 [Member]
Revolving credit facility, maximum borrowing capacity	[1],[2],[3],[5],[7]	$ 200	$ 200
Revolving credit facility, expiration date	[1],[2],[3],[5],[7]	May 15, 2024	May 15, 2024
Revolving Credit Facility Expiring April 21, 2021 [Member]
Revolving credit facility, maximum borrowing capacity		$ 25	$ 25
Revolving credit facility, expiration date		Apr. 21, 2023	Apr. 21, 2023
Revolving Credit Facility Expiring January 15, 2025 [Member]
Revolving credit facility, maximum borrowing capacity	[1],[2],[3],[4],[5]	$ 100	$ 100
Revolving credit facility, expiration date	[1],[2],[3],[4],[5]	Jan. 15, 2025	Jan. 15, 2025
Revolving Credit Facility Expiring October 15, 2025 [Member]
Revolving credit facility, maximum borrowing capacity	[1],[2],[3],[4],[5]	$ 250	$ 250
Revolving credit facility, expiration date	[1],[2],[3],[4],[5]	Oct. 15, 2025	Oct. 15, 2025
Revolving Credit Facility Expiring February 15, 2024 [Member]
Revolving credit facility, maximum borrowing capacity	[1],[2],[3],[5],[7]	$ 15	$ 15
Revolving credit facility, expiration date	[1],[2],[3],[5],[7]	Feb. 15, 2024	Feb. 15, 2024
Revolving Credit Facility Expiring December 15, 2026 [Member]
Revolving credit facility, maximum borrowing capacity	[1],[2],[3],[5],[7]	$ 300	$ 300
Revolving credit facility, expiration date	[1],[2],[3],[5],[7]	Dec. 15, 2026
Revolving Credit Facility Expiring March, 2025 [Member]
Revolving credit facility, maximum borrowing capacity	[1],[2],[3],[7]	$ 75	$ 75
Revolving credit facility, expiration date		Mar. 31, 2025	Mar. 31, 2025
Revolving Credit Facility Expiring May 15, 2026 [Member]
Revolving credit facility, maximum borrowing capacity		$ 300	$ 300
Revolving credit facility, expiration date		May 15, 2026	May 15, 2026
[1]	See below for additional information.
[2]	Loans are associated with VIEs.
[3]	Loans are subject to certain affirmative covenants tied to default rates and other performance metrics the failure of which could result in required early repayment of the remaining unamortized balances of the notes.
[4]	These notes reflect modifications to either extend the maturity date, increase the loan amount or both, and are treated as accounting modifications.
[5]	As of September 30, 2021, the LIBOR rate was 0.08% and the prime rate was 3.25%.
[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_3

Note 10 - Notes Payable - Schedule of Structured Financing Notes Payable (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Securitization facility (repaid in December 2021), outstanding face amount of $101.3 million as of December 31, 2020 bearing interest at a weighted average 5.7% interest rate, based upon LIBOR which was secured by credit card receivables and restricted cash aggregating $2.9 million as of December 31, 2020 in carrying amount	$ 0	$ 2,919
Securitization Financing Facility [Member]
Securitization facility (repaid in December 2021), outstanding face amount of $101.3 million as of December 31, 2020 bearing interest at a weighted average 5.7% interest rate, based upon LIBOR which was secured by credit card receivables and restricted cash aggregating $2.9 million as of December 31, 2020 in carrying amount		$ 2,900

Note 10 - Notes Payable - Sch_4

Note 10 - Notes Payable - Schedule of Structured Financing Notes Payable (Details) (Parentheticals) - Securitization Financing Facility [Member] $ in Millions	12 Months Ended
	Dec. 31, 2020USD ($)
Debt maturity	Dec. 31, 2021
Amortizing securitization facility, outstanding face amount	$ 101.3
Interest rate	5.70%
Amortizing securitization facility, amount secured by credit card receivables and restricted cash	$ 2.9

Note 11 - Convertible Senior _3

Note 11 - Convertible Senior Notes (Details Textual) - USD ($)	Jun. 17, 2021	Dec. 31, 2021	Dec. 31, 2020	Nov. 30, 2005
Gain (Loss) on Extinguishment of Debt, Total		$ (29,439,000)	$ 0
Bear Stearns [Member]
Loaned Shares Returned and Retired (in shares)		5,677,950
Conversion of Convertible Senior Notes to Common Stock [Member]
Debt Conversion, Original Debt, Amount	$ 11,800,000
Unsecured Convertible Senior Notes [Member]
Debt Instrument, Face Amount				$ 300,000,000
Convertible Senior Note [Member]
Extinguishment of Debt, Amount		$ 22,100,000
Repayments of Convertible Debt	12,100,000	30,400,000
Gain (Loss) on Extinguishment of Debt, Total	(15,300,000)	$ (14,100,000)
Debt Instrument, Convertible, Cash Paid Per $1,000 Principal Held	$ 1,000

Note 11 - Convertible Senior _4

Note 11 - Convertible Senior Notes - Summary of Convertible Senior Notes (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Net carrying value	$ 0	$ 24,386
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
Discount	(9,453)
Net carrying value	24,386
Carrying amount of equity component included in paid-in capital	108,714
Excess of instruments’ if-converted values over face principal amounts	$ 0

Note 12 - Commitments and Con_2

Note 12 - Commitments and Contingencies (Details Textual) - USD ($) $ in Millions	Dec. 31, 2021	Sep. 30, 2021	Dec. 31, 2020
Pledged Assets, Other, Not Separately Reported on Statement of Financial Position, Total	$ 21.1
Unfunded Individual Credit Commitment [Member]
Other Commitment, Total	2,000
Unfunded Outstanding Floor-Plan Financing Commitment [Member]
Other Commitment, Total			$ 12.6
Credit Protection Program [Member]
Loss Contingency, Estimate of Possible Loss	$ 53.3
Loss Contingency Accrual, Ending Balance		$ 0.6

Note 13 - Income Taxes (Details

Note 13 - Income Taxes (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Current Income Tax Expense (Benefit), Total	$ 34,900
Tax Benefits Related to Operating Loss and Capital Loss Carryforwards	13,800
Current State and Local Tax Expense (Benefit)	$ 4,910	$ 1,228
Effective Income Tax Rate Reconciliation, Percent, Total	19.00%	17.90%
Deferred Tax Assets, Valuation Allowance, Total	$ 22,716	$ 31,701
Open Tax Year	2016 2017 2018 2019 2020 2021
Unrecognized Tax Benefits that Would Impact Effective Tax Rate	$ 700	600
Income Tax Expense (Benefit) [Member]
Income Tax Examination, Penalties and Interest Expense, Net Reversal		1,000
State and Local Jurisdiction [Member]
Tax Benefits Related to State Net Operating Loss Carryforwards	800
Valuation Allowance, Deferred Tax Asset, Increase (Decrease), Amount	$ (1,100)	$ (1,100)

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, 2021	Dec. 31, 2020
Current tax benefit, federal	$ (34,910)	$ 1,351
Deferred tax (expense), federal	(2,369)	(21,752)
Total federal income tax (expense)	(37,279)	(20,401)
Current tax (expense)	(107)	(143)
Deferred tax benefit (expense)	1	(5)
Total foreign income tax (expense)	(106)	(148)
Current tax (expense)	(4,910)	(1,228)
Deferred tax benefit	511	1,303
Total state and other income tax (expense) benefit	(4,399)	75
Total income tax (expense)	$ (41,784)	$ (20,474)

Note 13 - Income Taxes - Sche_2

Note 13 - Income Taxes - Schedule of Effective Income Tax Rate Reconciliation (Details)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Statutory federal expense rate	21.00%	21.00%
Share-based compensation, net of executive compensation deduction limitations	(1.40%)	0.00%
Global intangible low-taxed income tax	0.10%	0.20%
Net interest and penalties related to uncertain tax positions and unpaid tax liabilities (including reversals thereof from IRS settlement in 2020)	0.00%	(0.60%)
Interest expense on preferred stock classified as debt for tax purposes	(1.60%)	(2.60%)
Foreign taxes, net of valuation allowance effects	(0.10%)	(0.20%)
State taxes, net of valuation allowance effects	1.60%	(0.10%)
Prior year provision to return reconciling items, tax effects of non-controlling interests, and other	(0.60%)	0.20%
Effective tax expense rate	19.00%	17.90%

Note 13 - Income Taxes - Sche_3

Note 13 - Income Taxes - Schedule of Deferred Tax Assets and Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Software development costs/fixed assets	$ 0	$ 75
Provision for loan loss	14,647	30,080
Credit card fair value election differences	48,730	173
Equity-based compensation	967	715
Accrued expenses	159	466
Accruals for state taxes and interest associated with unrecognized tax benefits and unpaid accrued tax liabilities	149	121
Federal net operating loss and capital loss carry-forwards	0	11,279
Federal tax credits and minimum tax credit carry-forward	0	25
Foreign net operating loss carry-forward	304	306
Interest expense on debt with equity treatment for tax purposes	0	631
Other	506	202
State tax benefits, primarily from net operating losses	27,081	36,052
Deferred tax assets, gross	92,543	80,125
Valuation allowances	(22,716)	(31,701)
Deferred tax assets, net of valuation allowances	69,827	48,424
Prepaid expenses and other	(513)	(225)
Software development costs and fixed assets	(41)	0
Equity in income of equity-method investee	(697)	(1,457)
Market discount on acquired credit card and other loans receivable	(94,958)	(61,255)
Deferred costs	(590)	(545)
Convertible senior notes	0	(10,057)
Deferred tax (liabilities), gross	(96,799)	(73,539)
Deferred tax (liabilities), net	$ (26,972)	$ (25,115)

Note 13 - Income Taxes - Unreco

Note 13 - Income Taxes - Unrecognized Tax Benefits Rollforward (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Balance	$ (577)	$ (513)
Reductions based on tax positions related to prior years	33	0
(Additions) reductions based on tax positions related to prior years	(26)
(Additions) reductions based on tax positions related to prior years		48
Additions based on tax positions related to the current year	(107)	(82)
Interest and penalties accrued	(31)	(30)
Balance	$ (708)	$ (577)

Note 14 - Net Income Attribut_3

Note 14 - Net Income Attributable to Controlling Interests Per Common Share (Details Textual) - shares	6 Months Ended	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2021	Dec. 31, 2020
Weighted Average Number of Shares, Restricted Stock (in shares)		312,792	431,262
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount (in shares)	0		100,000
Series A Preferred Stock [Member]
Incremental Common Shares Attributable to Dilutive Effect of Conversion of Preferred Stock (in shares)		4,000,000	3,793,869

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, 2021	Dec. 31, 2020
Net income attributable to controlling interests		$ 177,902	$ 94,120
Preferred stock and preferred unit dividends and accretion		(22,363)	(17,070)
Net income attributable to common shareholders—basic		155,539	77,050
Effect of dilutive preferred stock dividends and accretion		2,400	2,400
Net income attributable to common shareholders—diluted		$ 157,939	$ 79,450
Basic (including unvested share-based payment awards) (1) (in shares)	[1]	15,074	14,486
Effect of dilutive stock compensation arrangements and exchange of preferred stock (in shares)		5,824	5,616
Diluted (including unvested share-based payment awards) (1) (in shares)	[1]	20,898	20,102
Net income attributable to common shareholders per common share—basic (in dollars per share)		$ 10.32	$ 5.32
Net income attributable to common shareholders per common share—diluted (in dollars per share)		$ 7.56	$ 3.95
[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, 2021	Dec. 31, 2020
Adjustment to Additional Paid in Capital, Income Tax Effect from Share-based Compensation, Net, Total		$ 0	$ 0
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Remaining Amortization Period (Year)		1 year 7 months 6 days	1 year 7 months 6 days
Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period (in shares)		49,988	61,373
Share-based Payment Arrangement, Expensed and Capitalized, Amount, Total		$ 1,700	$ 600
Share-based Payment Arrangement, Expense		1,200	800
Share-based Payment Arrangement, Nonvested Award, Excluding Option, Cost Not yet Recognized, Amount		$ 900
Share-based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Period for Recognition (Year)		1 year 6 months
Restricted Stock [Member] | Minimum [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period (Month)		12 months
Restricted Stock [Member] | Maximum [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period (Month)		60 months
Share-based Payment Arrangement, Option [Member]
Share-based Payment Arrangement, Expense		$ 2,000	500
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 Term (Year)		5 years
Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Expected Volatility Rate		80.90%
Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Risk Free Interest Rate		0.86%
Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Fair Value		$ 3,100	1,400
Share-based Payment Arrangement, Nonvested Award, Option, Cost Not yet Recognized, Amount		$ 2,400	$ 1,400
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)			1,661,957
Employee Stock Purchase Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant (in shares)		54,321

Note 15 - Stock-based Compens_4

Note 15 - Stock-based Compensation - Summary of Outstanding Options (Details)	12 Months Ended
	Dec. 31, 2021USD ($)$ / sharesshares
Outstanding (in shares) | shares	2,423,466
Outstanding, weighted average exercise price (in dollars per share) | $ / shares	$ 4.41
Issued (in shares) | shares	133,850
Issued, weighted average exercise price (in dollars per share) | $ / shares	$ 37.37
Exercised (in shares) | shares	(526,015)
Exercised, weighted average exercise price (in dollars per share) | $ / shares	$ 3.58
Expired/Forfeited (in shares) | shares	(13,332)
Expired/Forfeited, weighted average exercise price (in dollars per share) | $ / shares	$ 15.30
Outstanding (in shares) | shares	2,017,969
Outstanding, weighted average exercise price (in dollars per share) | $ / shares	$ 6.74
Outstanding, weighted average remaining contractual life (Year)	1 year 2 months 12 days
Outstanding, aggregate intrinsic value | $	$ 130,311,334
Exercisable (in shares) | shares	1,599,199
Exercisable, weighted average exercise price (in dollars per share) | $ / shares	$ 3.82
Exercisable, weighted average remaining contractual life (Year)	8 months 12 days
Exercisable, aggregate intrinsic value | $	$ 107,945,775

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, 2021	Dec. 31, 2020
Weighted average fair value per share of options granted (in dollars per share)	$ 24	$ 9.47
Proceeds from exercise of stock options	$ 1,885	$ 1,326
Aggregate intrinsic value of options exercised	13,673	5,726
Grant date fair value of shares vested	$ 834	$ 944

Note 16 - Employee Benefit Pl_2

Note 16 - Employee Benefit Plans (Details Textual) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Defined Contribution Plan, Employer Discretionary Contribution Amount	$ 274,759	$ 197,214
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	$ 79,095	$ 106,775
Stock Issued During Period, Shares, Employee Stock Purchase Plans (in shares)	2,241	9,209
Employee Stock Purchase Plan, Shares Authorized (in shares)		100,000
Employee Stock Purchase Plan, Employer Expense During Period	$ 28,937	$ 31,748

Note 17 - Related Party Trans_2

Note 17 - Related Party Transactions (Details Textual)	Dec. 27, 2019USD ($)$ / sharesshares	Dec. 31, 2021USD ($)shares	Dec. 31, 2020USD ($)ft²shares	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]
Preferred stock, shares issued (in shares) | shares	400,000	400,000	400,000
Preferred stock, liquidation preference	$ 40,000,000	$ 40,000,000	$ 40,000,000
Preferred Stock, Dividend Rate, Percentage	6.00%
Temporary Equity, Redemption Price Per Share (in dollars per share) | $ / 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		17,299	$ 16,960
Related Party Transaction, Due from (to) Related Party, Noncurrent, Total		7,267
Related Party Transaction, Amounts of Transaction		$ 380,733	$ 334,526
Dove Ventures, LLC [Member] | Senior Secured Term Loan Facility [Member]
Line of Credit Facility, Maximum Borrowing Capacity				$ 40,000,000