Atlanticus (ATLC) 10-Q 10 May 22 2022 Q1 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	3 Months Ended
	Mar. 31, 2022	May 03, 2022
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	Q1
Document Fiscal Year Focus	2022
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Mar. 31, 2022
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 Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		14,913,413
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 (Cu

Consolidated Balance Sheets (Current Period Unaudited) - USD ($) $ in Thousands		Mar. 31, 2022	Dec. 31, 2021
Assets
Unrestricted cash and cash equivalents		$ 373,468	$ 409,660
Restricted cash and cash equivalents		32,009	96,968
Loans, interest and fees receivable:
Loans, interest and fees receivable, at fair value		1,405,765	1,026,424
Loans, interest and fees receivable, gross		99,916	470,293
Allowances for uncollectible loans, interest and fees receivable (including $55.1 million associated with variable interest entities at December 31, 2021)		(1,612)	(57,201)
Deferred revenue (including $8.2 million associated with variable interest entities at December 31, 2021)		(15,878)	(29,281)
Net loans, interest and fees receivable		1,488,191	1,410,235
Property at cost, net of depreciation		6,819	7,335
Operating lease right-of-use assets		2,592	4,016
Prepaid expenses and other assets		18,558	15,649
Total assets		1,921,637	1,943,863
Liabilities
Accounts payable and accrued expenses		50,905	42,287
Operating lease liabilities		2,457	4,842
Notes Payable, net held by VIEs		1,268,821	1,278,864
Senior notes, net		143,310	142,951
Income tax liability		43,100	47,770
Total liabilities		1,508,593	1,516,714
Commitments and contingencies (Note 10)
Shareholders' Equity
Common stock, no par value, 150,000,000 shares authorized: 14,912,895 and 14,804,408 shares issued and outstanding at March 31, 2022 and December 31, 2021, respectively		0	0
Paid-in capital		160,242	227,763
Retained earnings		113,828	60,236
Total shareholders’ equity		274,070	287,999
Noncontrolling interests		(751)	(500)
Total equity		273,319	287,499
Total liabilities, preferred stock and equity		1,921,637	1,943,863
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		99,725	99,650
Preferred stock		99,725	99,650
Shareholders' Equity
Series B preferred stock, no par value, 3,188,533 shares issued and outstanding at March 31, 2022 (liquidation preference - $79.7 million); 3,188,533 shares issued and outstanding at December 31, 2021 (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 (_2

Consolidated Balance Sheets (Current Period Unaudited) (Parentheticals) - USD ($) $ / shares in Thousands, $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Unrestricted cash and cash equivalents	$ 373,468	$ 409,660
Restricted cash and cash equivalents	32,009	96,968
Loans, interest and fees receivable, at fair value	1,405,765	1,026,424
Loans, interest and fees receivable, gross	99,916	470,293
Allowances for uncollectible loans, interest and fees receivable	1,612	57,201
Deferred revenue	15,878	29,281
Notes payable, at face value	$ 1,268,821	$ 1,278,864
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)	14,912,895	14,804,408
Common stock, outstanding (in shares)	14,912,895	14,804,408
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	3,188,533
Preferred stock, shares outstanding (in shares)	3,188,533	3,188,533
Preferred stock, liquidation preference	$ 79,700	$ 79,700
Variable Interest Entity, Primary Beneficiary [Member]
Unrestricted cash and cash equivalents	211,600	209,500
Restricted cash and cash equivalents	12,500	75,900
Loans, interest and fees receivable, at fair value	1,293,200	925,500
Loans, interest and fees receivable, gross	0	369,600
Allowances for uncollectible loans, interest and fees receivable	0	55,100
Deferred revenue	0	8,200
Notes payable, at face value	$ 1,206,600	$ 1,223,400

Consolidated Statements of Inco

Consolidated Statements of Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Revenue:
Consumer loans, including past due fees	$ 164,806	$ 102,296
Fees and related income on earning assets	54,698	37,020
Other revenue	10,266	4,579
Total operating revenue, net	229,770	143,895
Other non-operating revenue	61	840
Total revenue	229,831	144,735
Interest expense	(17,410)	(12,298)
Provision for losses on loans, interest and fees receivable recorded at net realizable value	(147)	(4,135)
Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value	(104,680)	(27,491)
Net margin	107,594	100,811
Operating expense:
Salaries and benefits	11,426	8,239
Card and loan servicing	22,675	17,387
Marketing and solicitation	20,573	10,301
Depreciation	593	312
Other	14,693	4,968
Total operating expense	69,960	41,207
Loss on repurchase and redemption of convertible senior notes	0	7,807
Income before income taxes	37,634	51,797
Income tax benefit (expense)	7,121	(7,770)
Net income	44,755	44,027
Net loss attributable to noncontrolling interests	255	48
Net income attributable to controlling interests	45,010	44,075
Preferred dividends and discount accretion	(6,206)	(4,687)
Net income attributable to common shareholders	$ 38,804	$ 39,388
Net income attributable to common shareholders per common share—basic (in dollars per share)	$ 2.62	$ 2.62
Net income attributable to common shareholders per common share—diluted (in dollars per share)	$ 1.96	$ 1.91

Consolidated Statements of Shar

Consolidated Statements of Shareholders' Equity (Deficit) (Unaudited) - USD ($)	Cumulative Effect, Period of Adoption, Adjustment [Member]Preferred Stock [Member]Series B Preferred Stock [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member]Preferred Stock [Member]Series A Preferred Stock [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member]Common Stock [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member]Additional Paid-in Capital [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member]Retained Earnings [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member]Noncontrolling Interest [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member]Class B Preferred Units [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member]	Preferred Stock [Member]Series 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, 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	(75,000)	0	0	75,000	(75,000)
Preferred dividends									$ 0	0	$ 0	(4,612,000)	0	0	0	(4,612,000)
Stock option exercises and proceeds related thereto (in shares)									0		494,900
Stock option exercises and proceeds related thereto									$ 0	0	$ 0	1,696,000	0	0	0	1,696,000
Compensatory stock issuances, net of forfeitures (in shares)									0		39,942
Compensatory stock issuances, net of forfeitures									$ 0	0	$ 0	0	0	0	0	0
Deferred stock-based compensation costs									$ 0	0	$ 0	545,000	0	0	0	$ 545,000
Redemption and retirement of shares (in shares)									0		(9,928)					(9,928)
Redemption and retirement of shares									$ 0	0	$ 0	(297,000)	0	0	0	$ (297,000)
Net income									$ 0	0	$ 0	0	44,075,000	(48,000)	0	44,027,000
Balance (in shares) at Mar. 31, 2021									0		16,640,267
Balance at Mar. 31, 2021									$ 0	40,000,000	$ 0	192,207,000	(73,591,000)	(822,000)	99,425,000	117,794,000
Balance (in shares) at Dec. 31, 2021									3,188,533		14,804,408
Balance at Dec. 31, 2021	$ 0	$ 0	$ 0	$ 0	$ 8,582,000	$ 0	$ 0	$ 8,582,000	$ 0	40,000,000	$ 0	227,763,000	60,236,000	(500,000)	99,650,000	287,499,000
Accretion of discount associated with issuance of subsidiary equity									0	0	0	(75,000)	0	0	75,000	(75,000)
Preferred dividends									$ 0	0	$ 0	(6,131,000)	0	0	0	$ (6,131,000)
Stock option exercises and proceeds related thereto (in shares)									0		1,000,534					1,000,534
Stock option exercises and proceeds related thereto									$ 0	0	$ 0	2,788,000	0	0	0	$ 2,788,000
Compensatory stock issuances, net of forfeitures (in shares)									0		113,165
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	4,000	0	4,000
Deferred stock-based compensation costs									$ 0	0	$ 0	1,111,000	0	0	0	$ 1,111,000
Redemption and retirement of shares (in shares)									0		(1,005,212)					(1,005,212)
Redemption and retirement of shares									$ 0	0	$ 0	(65,214,000)	0	0	0	$ (65,214,000)
Net income									$ 0	0	$ 0	0	45,010,000	(255,000)	0	44,755,000
Balance (in shares) at Mar. 31, 2022									3,188,533		14,912,895
Balance at Mar. 31, 2022									$ 0	$ 40,000,000	$ 0	$ 160,242,000	$ 113,828,000	$ (751,000)	$ 99,725,000	$ 273,319,000

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Operating activities
Net income	$ 44,755	$ 44,027
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation, amortization and accretion, net	1,916	844
Provision for losses on loans, interest and fees receivable	147	4,135
Interest expense from accretion of discount on notes	0	132
Income from accretion of merchant fees and discount associated with receivables purchases	(27,189)	(34,213)
Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value	104,680	27,491
Amortization of deferred loan costs	1,136	888
Income from equity-method investments	0	(19)
Loss on repurchase and redemption of convertible senior notes	0	7,807
Deferred stock-based compensation costs	1,111	545
Lease liability payments	(2,635)	(2,584)
Changes in assets and liabilities:
Increase in uncollected fees on earning assets	(45,363)	(9,517)
(Decrease) increase in income tax liability	(7,177)	7,634
Increase in accounts payable and accrued expenses	9,499	658
Other	(131)	4,952
Net cash provided by operating activities	80,749	52,780
Investing activities
Proceeds from equity-method investee	0	190
Proceeds from recoveries on charged off receivables	5,460	1,892
Investments in earning assets	(563,313)	(356,011)
Proceeds from earning assets	455,298	351,839
Purchases and development of property, net of disposals	(76)	(73)
Net cash used in investing activities	(102,631)	(2,163)
Financing activities
Noncontrolling interests contributions	4	0
Preferred dividends	(6,016)	(4,701)
Proceeds from exercise of stock options	2,788	1,696
Purchase and retirement of outstanding stock	(65,214)	(297)
Proceeds from borrowings	41,247	53,314
Repayment of borrowings	(52,068)	(116,069)
Net cash used in financing activities	(79,259)	(66,057)
Effect of exchange rate changes on cash	(10)	6
Net decrease in cash and cash equivalents and restricted cash	(101,151)	(15,434)
Cash and cash equivalents and restricted cash at beginning of period	506,628	258,961
Cash and cash equivalents and restricted cash at end of period	405,477	243,527
Supplemental cash flow information
Cash paid for interest	16,199	12,265
Net cash income tax payments	56	136
Increase (decrease) in accrued and unpaid preferred dividends	$ 115	$ (89)

Note 1 - Description of Our Bus

Note 1 - Description of Our Business	3 Months Ended
	Mar. 31, 2022
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" 19 2021 2022 19 2021; 19 19 19 not 19 third

Note 2 - Significant Accounting

Note 2 - Significant Accounting Policies and Consolidated Financial Statement Components	3 Months Ended
	Mar. 31, 2022
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. Loans, Interest and Fees Receivable We maintain two 90 180 30 not We adopted Accounting Standards Update ("ASU") 2016 13, January 1, 2022. one Loans, Interest and Fees Receivable, at Fair Value. March 31, 2022 Under the fair value option, 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 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 in the period of the fair value changes. Changes in the fair value of loans, interest and fees receivable recorded at fair value include the impact of current period charge-offs associated with these receivables. Further details concerning our loans, interest and fees receivable held at fair value are presented within Note 6, Loans, Interest and Fees Receivable, Gross. January 1, 2022 not three March 31, 2022 2021, 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 may 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 (including those receivables associated with our private label credit and general purpose credit card receivables prior to their adoption of fair value accounting) 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 March 31, 2022 December 31, 2021, March 31, 2022 December 31, 2021, As a result of the COVID- 19 March 2020 March 2020, 19 19 may 19. 19 19 not March 31, 2022 19; Our CaaS segment consists of two For the Three Months Ended March 31, 2022 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at beginning of period $ (43.4 ) $ (1.4 ) $ (12.4 ) $ (57.2 ) Cumulative effects from adoption of fair value under the CECL standard 43.4 — 12.4 55.8 Cumulative effects from adoption of the CECL standard — (0.2 ) — (0.2 ) Provision for loan losses — (0.1 ) — (0.1 ) Charge-offs — 0.4 — 0.4 Recoveries — (0.3 ) — (0.3 ) Balance at end of period $ — $ (1.6 ) $ — $ (1.6 ) As of March 31, 2022 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 $ — $ — $ — $ — Balance at end of period collectively evaluated for impairment $ — $ (1.6 ) $ — $ (1.6 ) Loans, interest and fees receivable: Loans, interest and fees receivable, gross $ — $ 99.9 $ — $ 99.9 Loans, interest and fees receivable individually evaluated for impairment $ — $ — $ — $ — Loans, interest and fees receivable collectively evaluated for impairment $ — $ 99.9 $ — $ 99.9 For the Three Months Ended March 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 (4.2 ) (0.1 ) 0.2 (4.1 ) Charge-offs 19.0 0.6 7.3 26.9 Recoveries (1.7 ) (0.3 ) (1.7 ) (3.7 ) Balance at end of period $ (75.1 ) $ (1.5 ) $ (29.3 ) $ (105.9 ) 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 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 three March 31, 2022, third third three March 31, 2021, 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 receivable is performing. An aging of our delinquent loans, interest and fees receivable, gross (in millions) by class of receivable as of March 31, 2022 December 31, 2021 As of March 31, 2022 Credit Cards Auto Finance Other Unsecured Lending Products Total 30-59 days past due $ — $ 4.8 $ — $ 4.8 60-89 days past due — 1.6 — 1.6 90 or more days past due — 1.4 — 1.4 Delinquent loans, interest and fees receivable, gross — 7.8 — 7.8 Current loans, interest and fees receivable, gross — 92.1 — 92.1 Total loans, interest and fees receivable, gross $ — $ 99.9 $ — $ 99.9 Balance of loans greater than 90-days delinquent still accruing interest and fees $ — $ 1.0 $ — $ 1.0 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 Troubled Debt Restructurings As part of ongoing collection efforts, once an account, the receivable of which is included in our CaaS segment, becomes 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 March 31, 2022 December 31, 2021 As of March 31, 2022 December 31, 2021 Private label credit General purpose credit card Private label credit General purpose credit card Number of TDRs 17,886 52,652 14,919 39,322 Number of TDRs that have been re-aged 283 893 812 2,035 Amount of TDRs on non-accrual status (in thousands) $ 21,280 $ 32,915 $ 17,152 $ 25,154 Amount of TDRs on non-accrual status above that have been re-aged (in thousands) $ 424 $ 678 $ 1,205 $ 1,553 Carrying value of TDRs (in thousands) $ 14,330 $ 20,961 $ 11,173 $ 15,502 TDRs - Performing (carrying value, in thousands)* $ 11,917 $ 18,992 $ 8,797 $ 13,387 TDRs - Nonperforming (carrying value, in thousands)* $ 2,413 $ 1,969 $ 2,376 $ 2,115 *“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 84,878 $89.5 twelve March 31, 2022 March 31, 2021 twelve Twelve Months Ended March 31, 2022 March 31, 2021 Private label credit General purpose credit card Private label credit General purpose credit card Number of accounts 3,853 10,487 2,448 6,304 Loan balance at time of charge off (in thousands) $ 5,897 $ 8,721 $ 3,364 $ 5,553 Income Taxes We experienced a negative effective tax rate of 18.8% three March 31, 2022, three March 31, 2021. Our negative effective tax rate for the three March 31, 2022 ( 1 2 two Our effective tax rate for the three March 31, 2021 1 2 3 1 162 1986, 2 We report interest expense associated with our income tax liabilities (including accrued liabilities for uncertain tax positions) within our income tax line item on our consolidated statements of operations. We likewise report within such line item the reversal of interest expense associated with our accrued liabilities for uncertain tax positions to the extent we resolve such liabilities in a manner favorable to our accruals therefor. We had de minimis interest expense or reversals thereof during the three March 31, 2022, 2021. 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. Discounts received associated with 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. Fees are assessed on credit card accounts underlying our credit card receivables according to the terms of the related cardholder agreements and we recognize these fees as income when they are charged to the customers’ accounts. Fees and related income on earning assets, net of amounts that we consider uncollectible, are included in loans, interest and fees receivable and revenue when the fees are earned based upon the contractual terms of the loans. The election of the fair value option to account for certain loans receivable resulted in increased fees recognized on credit products throughout the periods presented. Revenue from Contracts with Customers The majority of our revenue is earned from financial instruments and is not No. 2014 09, None For the Three Months Ended March 31, 2022 CaaS Auto Finance Total Interchange revenues, net (1) $ 5,698 $ — $ 5,698 Servicing income 830 252 1,082 Service charges and other customer related fees 3,470 16 3,486 Total revenue from contracts with customers $ 9,998 $ 268 $ 10,266 ( 1 For the Three Months Ended March 31, 2021 CaaS Auto Finance Total Interchange revenues, net (1) $ 2,622 $ — $ 2,622 Servicing income 388 325 713 Service charges and other customer related fees 1,229 15 1,244 Total revenue from contracts with customers $ 4,239 $ 340 $ 4,579 ( 1 Loss on repurchase and redemption of convertible senior notes In periods where we repurchased or redeemed 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. In the three March 31, 2021, Recent Accounting Pronouncements In June 2016, 2016 13, 2018 19, 2019 04, 2019 10 2019 11 May 2019, 2019 05, 326 20, 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 March 31, 2022.

Note 3 - Segment Reporting

Note 3 - Segment Reporting	3 Months Ended
	Mar. 31, 2022
Notes to Financial Statements
Segment Reporting Disclosure [Text Block]	3. Segment Reporting We operate primarily within one two As of both March 31, 2022 December 31, 2021, not We measure the profitability of our reportable segments based on their income after allocation of specific costs and corporate overhead; however, our segment results do not Summary operating segment information (in thousands) is as follows: Three Months Ended March 31, 2022 CaaS Auto Finance Total Revenue: Consumer loans, including past due fees $ 156,465 $ 8,341 $ 164,806 Fees and related income on earning assets 54,680 18 54,698 Other revenue 9,998 268 10,266 Other non-operating revenue 35 26 61 Total revenue 221,178 8,653 229,831 Interest expense (17,163 ) (247 ) (17,410 ) Provision for losses on loans, interest and fees receivable recorded at net realizable value — (147 ) (147 ) Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value (104,680 ) — (104,680 ) Net margin $ 99,335 $ 8,259 $ 107,594 Income (loss) before income taxes $ 43,598 $ (5,964 ) $ 37,634 Income tax benefit $ 5,518 $ 1,603 $ 7,121 Total assets $ 1,835,155 $ 86,482 $ 1,921,637 Three Months Ended March 31, 2021 CaaS Auto Finance Total Revenue: Consumer loans, including past due fees $ 94,110 $ 8,186 $ 102,296 Fees and related income on earning assets 37,003 17 37,020 Other revenue 4,238 341 4,579 Other non-operating revenue 835 5 840 Total revenue 136,186 8,549 144,735 Interest expense (12,044 ) (254 ) (12,298 ) Provision for losses on loans, interest and fees receivable recorded at net realizable value (4,007 ) (128 ) (4,135 ) Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value (27,491 ) — (27,491 ) Net margin $ 92,644 $ 8,167 $ 100,811 Income before income taxes $ 49,304 $ 2,493 $ 51,797 Income tax expense $ (7,163 ) $ (607 ) $ (7,770 ) Total assets $ 1,117,215 $ 82,280 $ 1,199,495

Note 4 - Shareholders' Equity a

Note 4 - Shareholders' Equity and Preferred Stock	3 Months Ended
	Mar. 31, 2022
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 11, Dove is a limited liability company owned by three one two two During the three March 31, 2022 2021, On November 14, 2019, third not March 2020, 11, In June July 2021, $1.90625 7.625%

Note 5 - Investment in Equity-m

Note 5 - Investment in Equity-method Investee	3 Months Ended
	Mar. 31, 2022
Notes to Financial Statements
Equity Method Investments and Joint Ventures Disclosure [Text Block]	5. Investment in Equity-Method Investee Our former equity-method investment consisted of our 66.7% interest in a joint venture formed to purchase a credit card receivable portfolio. On September 30, 2021, In the following table, we summarize (in thousands) results of operations data for our former equity-method investee: Three Months Ended March 31, 2021 Net margin $ 55 Net income $ 29 Net income attributable to our equity investment investee $ 19

Note 6 - Fair Values of Assets

Note 6 - Fair Values of Assets and Liabilities	3 Months Ended
	Mar. 31, 2022
Notes to Financial Statements
Fair Value Disclosures [Text Block]	6. Fair Values of Assets and Liabilities As previously discussed, we adopted ASU 2016 13, may 19 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 rather than through the establishment of an allowance and provision for losses. 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 March 31, 2022 December 31, 2021 1 2 not Assets – As of March 31, 2022 (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 $ — $ — $ 90,585 $ 82,426 Loans, interest and fees receivable, at fair value $ — $ — $ 1,405,765 $ 1,405,765 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 ( 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 three 31, 2022 2021 Loans, Interest and Fees Receivables, at Fair Value 2022 2021 Balance at January 1, $ 1,026,424 $ 417,098 Cumulative effects from adoption of fair value under the CECL standard 314,985 — Net revaluations of loans, interest and fees receivable, at fair value, included in earnings (3,372 ) (13,303 ) Principal charge-offs, net of recoveries, included in earnings (68,797 ) (10,686 ) Finance charge-offs, included in earnings (32,511 ) (3,630 ) Purchases 537,573 250,469 Settlements (563,104 ) (211,065 ) Finance and fees, included in earnings 194,567 52,551 Balance at March 31, $ 1,405,765 $ 481,434 The unrealized gains and losses for assets within the Level 3 Net Revaluation of Loans, Interest and Fees Receivable. third For Level 3 March 31, 2022 December 31, 2021: Quantitative Information about Level 3 Fair Value Measurement Fair Value at March 31, 2022 (in thousands) Valuation Technique Unobservable Input Range (Weighted Average) Loans, interest and fees receivable, at fair value $ 1,405,765 Discounted cash flows Gross yield, net of finance charge charge-offs 27.6% to 35.8% (32.4%) Payment rate 5.6% to 12.2% (10.9%) Expected principal credit loss rate 8.1% to 32.1% (30.5%) Servicing rate 3.6% to 6.2% (3.7%) Discount rate 12.1% to 13.5% (12.7%) 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% to 46.9% (40.9%) Payment rate 5.4% to 12.9% (10.6%) Expected principal credit loss rate 7.8% to 26.4% (23.5%) Servicing rate 3.4% to 5.7% (4.6%) Discount rate 12.3% to 13.5% (12.9%) Valuations and Techniques for Liabilities Our assessment of the significance of a particular input to the fair value measurement in its entirety requires judgment and considers factors specific to the liability. The table below summarizes (in thousands) by fair value hierarchy the March 31, 2022 December 31, 2021 1 2 not Liabilities – As of March 31, 2022 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 $ — $ — $ 1,245,513 $ 1,245,513 Amortizing debt facilities $ — $ — $ 23,308 $ 23,308 Senior notes, net $ 148,200 $ — $ — $ 143,310 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 For our notes payable where market prices are not third not 9, For our material Level 3 three March 31, 2021 ( no March 31, 2022): Notes Payable Associated with Structured Financings, at Fair Value 2021 Balance at January 1, $ 2,919 Net revaluations of notes payable associated with structured financings, at fair value, included in earnings (128 ) Balance at March 31, $ 2,791 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 Other Relevant Data Other relevant data (in thousands) as of March 31, 2022 December 31, 2021 As of March 31, 2022 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 $ 1,102 $ 1,677,610 Aggregate unpaid principal balance included within loans, interest and fees receivable that are reported at fair value $ 1,064 $ 1,530,777 Aggregate fair value of loans, interest and fees receivable that are reported at fair value $ 1,065 $ 1,404,700 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) $ 5 $ 5,100 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 $ 94,519 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

Note 7 - Variable Interest Enti

Note 7 - Variable Interest Entities	3 Months Ended
	Mar. 31, 2022
Notes to Financial Statements
Variable Interest Entity Disclosure [Text Block]	7. Variable Interest Entities The Company contributes certain receivables to VIEs. These entities are sometimes established to facilitate third not The following table presents a summary of VIEs in which we had continuing involvement or held a variable interest (in millions): As of March 31, 2022 December 31, 2021 Unrestricted cash and cash equivalents $ 211.6 $ 209.5 Restricted cash and cash equivalents 12.5 75.9 Loans, interest and fees receivable, at fair value 1,293.2 925.5 Loans, interest and fees receivable, gross — 369.6 Allowances for uncollectible loans, interest and fees receivable — (55.1 ) Deferred revenue — (8.2 ) Total Assets held by VIEs $ 1,517.3 $ 1,517.2 Notes Payable, net held by VIEs $ 1,206.6 $ 1,223.4 Maximum exposure to loss due to involvement with VIEs $ 1,285.1 $ 1,289.1

Note 8 - Leases

Note 8 - Leases	3 Months Ended
	Mar. 31, 2022
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 Three Months Ended March 31, 2022 2021 Operating lease cost, gross $ 1,724 $ 1,726 Sublease income (1,302 ) (1,293 ) Net Operating lease cost $ 422 $ 433 Cash paid under operating leases, gross $ 2,635 $ 2,584 Weighted average remaining lease term - months 20 Weighted average discount rate 5.2 % As of March 31, 2022 Gross Lease Payment Payments received from Sublease Net Lease Payment 2022 (excluding the three months ended March 31, 2022) $ 2,151 $ (1,245 ) $ 906 2023 549 — 549 2024 347 — 347 2025 204 — 204 2026 95 — 95 Thereafter 25 — 25 Total lease payments 3,371 (1,245 ) 2,126 Less imputed interest (914 ) Total $ 2,457 In August 2021, third June 2022 not 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 March 31, 2022 no one

Note 9 - Notes Payable

Note 9 - Notes Payable	3 Months Ended
	Mar. 31, 2022
Notes to Financial Statements
Debt Disclosure [Text Block]	9. Notes Payable Notes Payable, at Face Value Other notes payable outstanding as of March 31, 2022 December 31, 2021 As of March 31, 2022 December 31, 2021 Revolving credit facilities at a weighted average interest rate equal to 4.3 4.3 1,392.2 1,391.6 Revolving credit facility, not to exceed $ 55.0 November 1, 2024 $ 38.9 $ 32.1 Revolving credit facility, not to exceed $ 50.0 October 30, 2023 36.9 48.7 Revolving credit facility, not to exceed $ 100.0 October 15, 2022 — — Revolving credit facility, not to exceed $ 15.0 July 15, 2022 4.8 5.7 Revolving credit facility, not to exceed $ 100.0 March 15, 2024 — — 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 14.8 19.2 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 10.0 Revolving credit facility, not to exceed $ 300.0 December 15, 2026 300.0 300.0 Revolving credit facility, not to exceed $ 75.0 March 15, 2025 — — Revolving credit facility, not to exceed $ 300.0 May 15, 2026 300.0 300.0 Other facilities Other debt 5.9 5.9 Unsecured term debt (expiring August 26, 2024 8.0 17.4 17.4 Total notes payable before unamortized debt issuance costs and discounts 1,278.7 1,289.0 Unamortized debt issuance costs and discounts (9.9 ) (10.1 ) Total notes payable outstanding, net $ 1,268.8 $ 1,278.9 ( 1 Loan is subject to certain affirmative covenants, including a coverage ratio, a leverage ratio and a collateral performance test, the failure of which could result in required early repayment of all or a portion of the outstanding balance by our CAR Auto Finance operations. ( 2 These notes reflect modifications to either extend the maturity date, increase the loan amount or both, and are treated as accounting modifications. ( 3 See below for additional information. ( 4 Loans are subject to certain affirmative covenants tied to default rates and other performance metrics the failure of which could result in required early repayment of the remaining unamortized balances of the notes. ( 5 Loans are associated with VIEs. ( 6 Creditors do not * As of March 31, 2022 In October 2015, March 31, 2022). October 30, 2023 In October 2016, March 31, 2022). October 2016, March 31, 2022, November 1, 2024. no In 2018, two $200.0 March 31, 2022 third October 15, 2022 March 15, 2024, In December 2017, March 31, 2022). April 21, 2023 In June 2019, March 31, 2022). In August 2019, August 2024. In November 2019, May 15, 2024). three In July 2020, three In October 2020, August 2025 October 2025. In January 2021, March 31, 2022) February 15, 2024 In June 2021, May 15, 2026 December 15, 2026). four In September 2021, March 31, 2022) 18 March 2025. In November 2021, May 15, 2026). three As of March 31, 2022, Senior Notes, net In November 2021, February 1, May 1, August 1 November 1 November 30, 2026. three March 31, 2022

Note 10 - Commitments and Conti

Note 10 - Commitments and Contingencies	3 Months Ended
	Mar. 31, 2022
Notes to Financial Statements
Commitments and Contingencies Disclosure [Text Block]	10. 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 $2.1 billion at March 31, 2022. 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 March 31, 2022, Under agreements with third March 31, 2022 Under agreements with third March 31, 2022, 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 March 31, 2022. 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. In the first 2022, no

Note 11 - Net Income Attributab

Note 11 - Net Income Attributable to Controlling Interests Per Common Share	3 Months Ended
	Mar. 31, 2022
Notes to Financial Statements
Earnings Per Share [Text Block]	11. 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): For the Three Months Ended March 31, 2022 2021 Numerator: Net income attributable to controlling interests $ 45,010 $ 44,075 Preferred stock and preferred unit dividends and accretion (6,206 ) (4,687 ) Net income attributable to common shareholders—basic 38,804 39,388 Effect of dilutive preferred stock dividends and accretion 592 592 Net income attributable to common shareholders—diluted $ 39,396 $ 39,980 Denominator: Basic (including unvested share-based payment awards) (1) 14,821 15,013 Effect of dilutive stock compensation arrangements and exchange of preferred stock 5,238 5,921 Diluted (including unvested share-based payment awards) (1) 20,059 20,934 Net income attributable to common shareholders per share—basic $ 2.62 $ 2.62 Net income attributable to common shareholders per share—diluted $ 1.96 $ 1.91 ( 1 Shares related to unvested share-based payment awards included in our basic and diluted share counts were 100,331 for the three March 31, 2022 three March 31, 2021 As their effects were anti-dilutive, we excluded stock options to purchase 0.0 shares and 0.1 million shares from our net income attributable to controlling interests per share of common stock calculations for the three March 31, 2022 2021, For both of the three March 31, 2022 2021, 4,

Note 12 - Stock-based Compensat

Note 12 - Stock-based Compensation	3 Months Ended
	Mar. 31, 2022
Notes to Financial Statements
Share-Based Payment Arrangement [Text Block]	12. Stock-Based Compensation We currently have two 2014 2014 2014 may 2014 May 2019. March 31, 2022, 2014 Exercises and vestings under our stock-based compensation plans resulted in no income tax-related charges to paid-in capital during the three March 31, 2022 2021. Restricted Stock and Restricted Stock Units During the three March 31, 2022 2021, three March 31, 2022 2021, may March 31, 2022, No Stock Options The exercise price per share of the options awarded under the Fourth Amended 2014 may not three March 31, 2022 2021, Number of Shares Weighted-Average Exercise Price Weighted-Average of Remaining Contractual Life (in years) Aggregate Intrinsic Value Outstanding at December 31, 2021 2,017,969 $ 6.74 Issued — $ — Exercised (1,000,534 ) $ 2.79 Expired/Forfeited (1,000 ) $ 15.30 Outstanding at March 31, 2022 1,016,435 $ 10.63 1.9 $ 41,834,424 Exercisable at March 31, 2022 815,666 $ 6.19 1.5 $ 37,191,595 Options issued during the three March 31, 2021 three March 31, 2022. March 31, 2022 December 31, 2021, March 31, 2022.

Significant Accounting Policies

Significant Accounting Policies (Policies)	3 Months Ended
	Mar. 31, 2022
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.
Receivable [Policy Text Block]	Loans, Interest and Fees Receivable We maintain two 90 180 30 not We adopted Accounting Standards Update ("ASU") 2016 13, January 1, 2022. one Loans, Interest and Fees Receivable, at Fair Value. March 31, 2022 Under the fair value option, 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 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 in the period of the fair value changes. Changes in the fair value of loans, interest and fees receivable recorded at fair value include the impact of current period charge-offs associated with these receivables. Further details concerning our loans, interest and fees receivable held at fair value are presented within Note 6, Loans, Interest and Fees Receivable, Gross. January 1, 2022 not three March 31, 2022 2021, 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 may 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 (including those receivables associated with our private label credit and general purpose credit card receivables prior to their adoption of fair value accounting) 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 March 31, 2022 December 31, 2021, March 31, 2022 December 31, 2021, As a result of the COVID- 19 March 2020 March 2020, 19 19 may 19. 19 19 not March 31, 2022 19; Our CaaS segment consists of two For the Three Months Ended March 31, 2022 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at beginning of period $ (43.4 ) $ (1.4 ) $ (12.4 ) $ (57.2 ) Cumulative effects from adoption of fair value under the CECL standard 43.4 — 12.4 55.8 Cumulative effects from adoption of the CECL standard — (0.2 ) — (0.2 ) Provision for loan losses — (0.1 ) — (0.1 ) Charge-offs — 0.4 — 0.4 Recoveries — (0.3 ) — (0.3 ) Balance at end of period $ — $ (1.6 ) $ — $ (1.6 ) As of March 31, 2022 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 $ — $ — $ — $ — Balance at end of period collectively evaluated for impairment $ — $ (1.6 ) $ — $ (1.6 ) Loans, interest and fees receivable: Loans, interest and fees receivable, gross $ — $ 99.9 $ — $ 99.9 Loans, interest and fees receivable individually evaluated for impairment $ — $ — $ — $ — Loans, interest and fees receivable collectively evaluated for impairment $ — $ 99.9 $ — $ 99.9 For the Three Months Ended March 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 (4.2 ) (0.1 ) 0.2 (4.1 ) Charge-offs 19.0 0.6 7.3 26.9 Recoveries (1.7 ) (0.3 ) (1.7 ) (3.7 ) Balance at end of period $ (75.1 ) $ (1.5 ) $ (29.3 ) $ (105.9 ) 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 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 three March 31, 2022, third third three March 31, 2021, 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 receivable is performing. An aging of our delinquent loans, interest and fees receivable, gross (in millions) by class of receivable as of March 31, 2022 December 31, 2021 As of March 31, 2022 Credit Cards Auto Finance Other Unsecured Lending Products Total 30-59 days past due $ — $ 4.8 $ — $ 4.8 60-89 days past due — 1.6 — 1.6 90 or more days past due — 1.4 — 1.4 Delinquent loans, interest and fees receivable, gross — 7.8 — 7.8 Current loans, interest and fees receivable, gross — 92.1 — 92.1 Total loans, interest and fees receivable, gross $ — $ 99.9 $ — $ 99.9 Balance of loans greater than 90-days delinquent still accruing interest and fees $ — $ 1.0 $ — $ 1.0 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 Troubled Debt Restructurings As part of ongoing collection efforts, once an account, the receivable of which is included in our CaaS segment, becomes 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 March 31, 2022 December 31, 2021 As of March 31, 2022 December 31, 2021 Private label credit General purpose credit card Private label credit General purpose credit card Number of TDRs 17,886 52,652 14,919 39,322 Number of TDRs that have been re-aged 283 893 812 2,035 Amount of TDRs on non-accrual status (in thousands) $ 21,280 $ 32,915 $ 17,152 $ 25,154 Amount of TDRs on non-accrual status above that have been re-aged (in thousands) $ 424 $ 678 $ 1,205 $ 1,553 Carrying value of TDRs (in thousands) $ 14,330 $ 20,961 $ 11,173 $ 15,502 TDRs - Performing (carrying value, in thousands)* $ 11,917 $ 18,992 $ 8,797 $ 13,387 TDRs - Nonperforming (carrying value, in thousands)* $ 2,413 $ 1,969 $ 2,376 $ 2,115 *“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 84,878 $89.5 twelve March 31, 2022 March 31, 2021 twelve Twelve Months Ended March 31, 2022 March 31, 2021 Private label credit General purpose credit card Private label credit General purpose credit card Number of accounts 3,853 10,487 2,448 6,304 Loan balance at time of charge off (in thousands) $ 5,897 $ 8,721 $ 3,364 $ 5,553
Income Tax, Policy [Policy Text Block]	Income Taxes We experienced a negative effective tax rate of 18.8% three March 31, 2022, three March 31, 2021. Our negative effective tax rate for the three March 31, 2022 ( 1 2 two Our effective tax rate for the three March 31, 2021 1 2 3 1 162 1986, 2 We report interest expense associated with our income tax liabilities (including accrued liabilities for uncertain tax positions) within our income tax line item on our consolidated statements of operations. We likewise report within such line item the reversal of interest expense associated with our accrued liabilities for uncertain tax positions to the extent we resolve such liabilities in a manner favorable to our accruals therefor. We had de minimis interest expense or reversals thereof during the three March 31, 2022, 2021.
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. Discounts received associated with 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. Fees are assessed on credit card accounts underlying our credit card receivables according to the terms of the related cardholder agreements and we recognize these fees as income when they are charged to the customers’ accounts. Fees and related income on earning assets, net of amounts that we consider uncollectible, are included in loans, interest and fees receivable and revenue when the fees are earned based upon the contractual terms of the loans. The election of the fair value option to account for certain loans receivable resulted in increased fees recognized on credit products throughout the periods presented. Revenue from Contracts with Customers The majority of our revenue is earned from financial instruments and is not No. 2014 09, None For the Three Months Ended March 31, 2022 CaaS Auto Finance Total Interchange revenues, net (1) $ 5,698 $ — $ 5,698 Servicing income 830 252 1,082 Service charges and other customer related fees 3,470 16 3,486 Total revenue from contracts with customers $ 9,998 $ 268 $ 10,266 ( 1 For the Three Months Ended March 31, 2021 CaaS Auto Finance Total Interchange revenues, net (1) $ 2,622 $ — $ 2,622 Servicing income 388 325 713 Service charges and other customer related fees 1,229 15 1,244 Total revenue from contracts with customers $ 4,239 $ 340 $ 4,579 ( 1
Credit Loss, Financial Instrument [Policy Text Block]	Loss on repurchase and redemption of convertible senior notes In periods where we repurchased or redeemed 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. In the three March 31, 2021,
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 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, Policy [Policy Text Block]	Subsequent Events We evaluate subsequent events that occur after our consolidated balance sheet date but before our consolidated financial statements are issued. There are two 1 2 not We have evaluated subsequent events occurring after March 31, 2022.

Note 2 - Significant Accounti_2

Note 2 - Significant Accounting Policies and Consolidated Financial Statement Components (Tables)	3 Months Ended
	Mar. 31, 2022
Notes Tables
Financing Receivable, Current, Allowance for Credit Loss [Table Text Block]	For the Three Months Ended March 31, 2022 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at beginning of period $ (43.4 ) $ (1.4 ) $ (12.4 ) $ (57.2 ) Cumulative effects from adoption of fair value under the CECL standard 43.4 — 12.4 55.8 Cumulative effects from adoption of the CECL standard — (0.2 ) — (0.2 ) Provision for loan losses — (0.1 ) — (0.1 ) Charge-offs — 0.4 — 0.4 Recoveries — (0.3 ) — (0.3 ) Balance at end of period $ — $ (1.6 ) $ — $ (1.6 ) As of March 31, 2022 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 $ — $ — $ — $ — Balance at end of period collectively evaluated for impairment $ — $ (1.6 ) $ — $ (1.6 ) Loans, interest and fees receivable: Loans, interest and fees receivable, gross $ — $ 99.9 $ — $ 99.9 Loans, interest and fees receivable individually evaluated for impairment $ — $ — $ — $ — Loans, interest and fees receivable collectively evaluated for impairment $ — $ 99.9 $ — $ 99.9 For the Three Months Ended March 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 (4.2 ) (0.1 ) 0.2 (4.1 ) Charge-offs 19.0 0.6 7.3 26.9 Recoveries (1.7 ) (0.3 ) (1.7 ) (3.7 ) Balance at end of period $ (75.1 ) $ (1.5 ) $ (29.3 ) $ (105.9 ) 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
Financing Receivable, Past Due [Table Text Block]	As of March 31, 2022 Credit Cards Auto Finance Other Unsecured Lending Products Total 30-59 days past due $ — $ 4.8 $ — $ 4.8 60-89 days past due — 1.6 — 1.6 90 or more days past due — 1.4 — 1.4 Delinquent loans, interest and fees receivable, gross — 7.8 — 7.8 Current loans, interest and fees receivable, gross — 92.1 — 92.1 Total loans, interest and fees receivable, gross $ — $ 99.9 $ — $ 99.9 Balance of loans greater than 90-days delinquent still accruing interest and fees $ — $ 1.0 $ — $ 1.0 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
Financing Receivable, Troubled Debt Restructuring [Table Text Block]	As of March 31, 2022 December 31, 2021 Private label credit General purpose credit card Private label credit General purpose credit card Number of TDRs 17,886 52,652 14,919 39,322 Number of TDRs that have been re-aged 283 893 812 2,035 Amount of TDRs on non-accrual status (in thousands) $ 21,280 $ 32,915 $ 17,152 $ 25,154 Amount of TDRs on non-accrual status above that have been re-aged (in thousands) $ 424 $ 678 $ 1,205 $ 1,553 Carrying value of TDRs (in thousands) $ 14,330 $ 20,961 $ 11,173 $ 15,502 TDRs - Performing (carrying value, in thousands)* $ 11,917 $ 18,992 $ 8,797 $ 13,387 TDRs - Nonperforming (carrying value, in thousands)* $ 2,413 $ 1,969 $ 2,376 $ 2,115 Twelve Months Ended March 31, 2022 March 31, 2021 Private label credit General purpose credit card Private label credit General purpose credit card Number of accounts 3,853 10,487 2,448 6,304 Loan balance at time of charge off (in thousands) $ 5,897 $ 8,721 $ 3,364 $ 5,553
Disaggregation of Revenue [Table Text Block]	For the Three Months Ended March 31, 2022 CaaS Auto Finance Total Interchange revenues, net (1) $ 5,698 $ — $ 5,698 Servicing income 830 252 1,082 Service charges and other customer related fees 3,470 16 3,486 Total revenue from contracts with customers $ 9,998 $ 268 $ 10,266 For the Three Months Ended March 31, 2021 CaaS Auto Finance Total Interchange revenues, net (1) $ 2,622 $ — $ 2,622 Servicing income 388 325 713 Service charges and other customer related fees 1,229 15 1,244 Total revenue from contracts with customers $ 4,239 $ 340 $ 4,579

Note 3 - Segment Reporting (Tab

Note 3 - Segment Reporting (Tables)	3 Months Ended
	Mar. 31, 2022
Notes Tables
Schedule of Segment Reporting Information, by Segment [Table Text Block]	Three Months Ended March 31, 2022 CaaS Auto Finance Total Revenue: Consumer loans, including past due fees $ 156,465 $ 8,341 $ 164,806 Fees and related income on earning assets 54,680 18 54,698 Other revenue 9,998 268 10,266 Other non-operating revenue 35 26 61 Total revenue 221,178 8,653 229,831 Interest expense (17,163 ) (247 ) (17,410 ) Provision for losses on loans, interest and fees receivable recorded at net realizable value — (147 ) (147 ) Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value (104,680 ) — (104,680 ) Net margin $ 99,335 $ 8,259 $ 107,594 Income (loss) before income taxes $ 43,598 $ (5,964 ) $ 37,634 Income tax benefit $ 5,518 $ 1,603 $ 7,121 Total assets $ 1,835,155 $ 86,482 $ 1,921,637 Three Months Ended March 31, 2021 CaaS Auto Finance Total Revenue: Consumer loans, including past due fees $ 94,110 $ 8,186 $ 102,296 Fees and related income on earning assets 37,003 17 37,020 Other revenue 4,238 341 4,579 Other non-operating revenue 835 5 840 Total revenue 136,186 8,549 144,735 Interest expense (12,044 ) (254 ) (12,298 ) Provision for losses on loans, interest and fees receivable recorded at net realizable value (4,007 ) (128 ) (4,135 ) Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value (27,491 ) — (27,491 ) Net margin $ 92,644 $ 8,167 $ 100,811 Income before income taxes $ 49,304 $ 2,493 $ 51,797 Income tax expense $ (7,163 ) $ (607 ) $ (7,770 ) Total assets $ 1,117,215 $ 82,280 $ 1,199,495

Note 5 - Investment in Equity_2

Note 5 - Investment in Equity-method Investee (Tables)	3 Months Ended
	Mar. 31, 2022
Notes Tables
Equity Method Investments [Table Text Block]	Three Months Ended March 31, 2021 Net margin $ 55 Net income $ 29 Net income attributable to our equity investment investee $ 19

Note 6 - Fair Values of Asset_2

Note 6 - Fair Values of Assets and Liabilities (Tables)	3 Months Ended
	Mar. 31, 2022
Notes Tables
Fair Value, Assets Measured on Recurring Basis [Table Text Block]	Assets – As of March 31, 2022 (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 $ — $ — $ 90,585 $ 82,426 Loans, interest and fees receivable, at fair value $ — $ — $ 1,405,765 $ 1,405,765 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
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Table Text Block]	Loans, Interest and Fees Receivables, at Fair Value 2022 2021 Balance at January 1, $ 1,026,424 $ 417,098 Cumulative effects from adoption of fair value under the CECL standard 314,985 — Net revaluations of loans, interest and fees receivable, at fair value, included in earnings (3,372 ) (13,303 ) Principal charge-offs, net of recoveries, included in earnings (68,797 ) (10,686 ) Finance charge-offs, included in earnings (32,511 ) (3,630 ) Purchases 537,573 250,469 Settlements (563,104 ) (211,065 ) Finance and fees, included in earnings 194,567 52,551 Balance at March 31, $ 1,405,765 $ 481,434
Fair Value Measurement Inputs and Valuation Techniques [Table Text Block]	Fair Value Measurement Fair Value at March 31, 2022 (in thousands) Valuation Technique Unobservable Input Range (Weighted Average) Loans, interest and fees receivable, at fair value $ 1,405,765 Discounted cash flows Gross yield, net of finance charge charge-offs 27.6% to 35.8% (32.4%) Payment rate 5.6% to 12.2% (10.9%) Expected principal credit loss rate 8.1% to 32.1% (30.5%) Servicing rate 3.6% to 6.2% (3.7%) Discount rate 12.1% to 13.5% (12.7%) 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% to 46.9% (40.9%) Payment rate 5.4% to 12.9% (10.6%) Expected principal credit loss rate 7.8% to 26.4% (23.5%) Servicing rate 3.4% to 5.7% (4.6%) Discount rate 12.3% to 13.5% (12.9%)
Fair Value, Liabilities Measured on Recurring Basis [Table Text Block]	Liabilities – As of March 31, 2022 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 $ — $ — $ 1,245,513 $ 1,245,513 Amortizing debt facilities $ — $ — $ 23,308 $ 23,308 Senior notes, net $ 148,200 $ — $ — $ 143,310 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
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Table Text Block]	Notes Payable Associated with Structured Financings, at Fair Value 2021 Balance at January 1, $ 2,919 Net revaluations of notes payable associated with structured financings, at fair value, included in earnings (128 ) Balance at March 31, $ 2,791
Fair Value Option, Disclosures [Table Text Block]	As of March 31, 2022 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 $ 1,102 $ 1,677,610 Aggregate unpaid principal balance included within loans, interest and fees receivable that are reported at fair value $ 1,064 $ 1,530,777 Aggregate fair value of loans, interest and fees receivable that are reported at fair value $ 1,065 $ 1,404,700 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) $ 5 $ 5,100 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 $ 94,519 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

Note 7 - Variable Interest En_2

Note 7 - Variable Interest Entities (Tables)	3 Months Ended
	Mar. 31, 2022
Notes Tables
Schedule of Variable Interest Entities [Table Text Block]	As of March 31, 2022 December 31, 2021 Unrestricted cash and cash equivalents $ 211.6 $ 209.5 Restricted cash and cash equivalents 12.5 75.9 Loans, interest and fees receivable, at fair value 1,293.2 925.5 Loans, interest and fees receivable, gross — 369.6 Allowances for uncollectible loans, interest and fees receivable — (55.1 ) Deferred revenue — (8.2 ) Total Assets held by VIEs $ 1,517.3 $ 1,517.2 Notes Payable, net held by VIEs $ 1,206.6 $ 1,223.4 Maximum exposure to loss due to involvement with VIEs $ 1,285.1 $ 1,289.1

Note 8 - Leases (Tables)

Note 8 - Leases (Tables)	3 Months Ended
	Mar. 31, 2022
Notes Tables
Lease, Cost [Table Text Block]	For the Three Months Ended March 31, 2022 2021 Operating lease cost, gross $ 1,724 $ 1,726 Sublease income (1,302 ) (1,293 ) Net Operating lease cost $ 422 $ 433 Cash paid under operating leases, gross $ 2,635 $ 2,584 Weighted average remaining lease term - months 20 Weighted average discount rate 5.2 %
Operating Lease, Liability and Payments to be Received, Maturity [Table Text Block]	Gross Lease Payment Payments received from Sublease Net Lease Payment 2022 (excluding the three months ended March 31, 2022) $ 2,151 $ (1,245 ) $ 906 2023 549 — 549 2024 347 — 347 2025 204 — 204 2026 95 — 95 Thereafter 25 — 25 Total lease payments 3,371 (1,245 ) 2,126 Less imputed interest (914 ) Total $ 2,457

Note 9 - Notes Payable (Tables)

Note 9 - Notes Payable (Tables)	3 Months Ended
	Mar. 31, 2022
Notes Tables
Schedule of Debt [Table Text Block]	As of March 31, 2022 December 31, 2021 Revolving credit facilities at a weighted average interest rate equal to 4.3 4.3 1,392.2 1,391.6 Revolving credit facility, not to exceed $ 55.0 November 1, 2024 $ 38.9 $ 32.1 Revolving credit facility, not to exceed $ 50.0 October 30, 2023 36.9 48.7 Revolving credit facility, not to exceed $ 100.0 October 15, 2022 — — Revolving credit facility, not to exceed $ 15.0 July 15, 2022 4.8 5.7 Revolving credit facility, not to exceed $ 100.0 March 15, 2024 — — 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 14.8 19.2 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 10.0 Revolving credit facility, not to exceed $ 300.0 December 15, 2026 300.0 300.0 Revolving credit facility, not to exceed $ 75.0 March 15, 2025 — — Revolving credit facility, not to exceed $ 300.0 May 15, 2026 300.0 300.0 Other facilities Other debt 5.9 5.9 Unsecured term debt (expiring August 26, 2024 8.0 17.4 17.4 Total notes payable before unamortized debt issuance costs and discounts 1,278.7 1,289.0 Unamortized debt issuance costs and discounts (9.9 ) (10.1 ) Total notes payable outstanding, net $ 1,268.8 $ 1,278.9

Note 11 - Net Income Attribut_2

Note 11 - Net Income Attributable to Controlling Interests Per Common Share (Tables)	3 Months Ended
	Mar. 31, 2022
Notes Tables
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]	For the Three Months Ended March 31, 2022 2021 Numerator: Net income attributable to controlling interests $ 45,010 $ 44,075 Preferred stock and preferred unit dividends and accretion (6,206 ) (4,687 ) Net income attributable to common shareholders—basic 38,804 39,388 Effect of dilutive preferred stock dividends and accretion 592 592 Net income attributable to common shareholders—diluted $ 39,396 $ 39,980 Denominator: Basic (including unvested share-based payment awards) (1) 14,821 15,013 Effect of dilutive stock compensation arrangements and exchange of preferred stock 5,238 5,921 Diluted (including unvested share-based payment awards) (1) 20,059 20,934 Net income attributable to common shareholders per share—basic $ 2.62 $ 2.62 Net income attributable to common shareholders per share—diluted $ 1.96 $ 1.91

Note 12 - Stock-based Compens_2

Note 12 - Stock-based Compensation (Tables)	3 Months Ended
	Mar. 31, 2022
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, 2021 2,017,969 $ 6.74 Issued — $ — Exercised (1,000,534 ) $ 2.79 Expired/Forfeited (1,000 ) $ 15.30 Outstanding at March 31, 2022 1,016,435 $ 10.63 1.9 $ 41,834,424 Exercisable at March 31, 2022 815,666 $ 6.19 1.5 $ 37,191,595

Note 2 - Significant Accounti_3

Note 2 - Significant Accounting Policies and Consolidated Financial Statement Components (Details Textual) $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2022USD ($)	Mar. 31, 2021USD ($)	Mar. 31, 2022USD ($)	Dec. 31, 2021USD ($)	Mar. 31, 2021USD ($)	Apr. 30, 2022USD ($)	Jan. 01, 2022USD ($)
Retained Earnings (Accumulated Deficit), Total	$ 113,828		$ 113,828	$ 60,236
Payments to Acquire Loans and Leases Held-for-investment, Total	56,500	$ 50,500
Loans and Leases Receivable, Deferred Income	$ 15,878		15,878	$ 29,281
Weighted Average Remaining Accretion Period of Deferred Revenue (Month)	26 months			15 months
Unamortized Loan Commitment and Origination Fees and Unamortized Discounts or Premiums	$ 15,900		$ 15,900	$ 20,400
Financing Receivable, Allowance for Credit Loss, Recovery	$ 300	$ 3,700
Financing Receivable, Modifications, Number of Contracts			84,878		51,424
Financing Receivable, Troubled Debt Restructuring, Postmodification			$ 89,500		$ 59,200
Effective Income Tax Rate Reconciliation, Percent, Total	18.80%	15.00%
Gain (Loss) on Extinguishment of Debt, Total	$ 0	$ (7,807)
Loans Receivable, Fair Value Disclosure	1,405,765		1,405,765	1,026,424
Loans and Leases Receivable, Gross	99,916		99,916	470,293
Loans and Leases Receivable, Allowance	1,612		1,612	57,201
Accounts Payable and Accrued Liabilities, Total	50,905		50,905	$ 42,287
Auto Finance [Member]
Loss Contingency Accrual, Ending Balance	8,500		$ 8,500
Subsequent Event [Member] | Auto Finance [Member]
Loss Contingency Accrual, Ending Balance						$ 8,500
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%			5.875%
Extinguishment of Debt, Amount		$ 14,700
Repayments of Convertible Debt		18,600
Gain (Loss) on Extinguishment of Debt, Total		(7,800)
Receivables Recoveries from Employed Third-Party Collectors ][Member]
Financing Receivable, Allowance for Credit Loss, Recovery	300	2,400
Receivable Recoveries from Sales of Charged-Off Accounts to Third-Parties [Member]
Financing Receivable, Allowance for Credit Loss, Recovery	$ 0	$ 1,300
Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Retained Earnings (Accumulated Deficit), Total							$ 8,600
Loans and Leases Receivable, Deferred Income							(15,600)
Loans Receivable, Fair Value Disclosure							315,000
Loans and Leases Receivable, Gross							(375,700)
Loans and Leases Receivable, Allowance							(55,600)
Accounts Payable and Accrued Liabilities, Total							(600)
Deferred Income Tax Liabilities, Net							$ 2,500

Note 2 - Significant Accounti_4

Note 2 - Significant Accounting Policies and Consolidated Financial Statement Components - Summary of Allowance for Uncollectible Loans and Fees Receivable (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021
Balance at beginning of period	$ (57,200)	$ (125,000)
Provision for loan losses	(147)	(4,135)
Charge-offs	400	26,900
Recoveries	(300)	(3,700)
Balance at end of period	(1,600)	(105,900)
Balance at end of period individually evaluated for impairment	0		$ (100)
Balance at end of period collectively evaluated for impairment	(1,600)		(57,100)
Loans, interest and fees receivable, gross	99,916		470,293
Loans, interest and fees receivable individually evaluated for impairment	0		400
Loans, interest and fees receivable collectively evaluated for impairment	99,900		469,900
Cumulative Effect, Period of Adoption, Adjustment [Member] | Adoption of Fair Value Under the CECL Standard [Member]
Balance at beginning of period	55,800
Cumulative Effect, Period of Adoption, Adjustment [Member] | Adoption of the CECL Standard [Member]
Balance at beginning of period	(200)
Credit Card Receivable [Member]
Balance at beginning of period	(43,400)	(88,200)
Provision for loan losses	0	(4,200)
Charge-offs	0	19,000
Recoveries	0	(1,700)
Balance at end of period	0	(75,100)
Balance at end of period individually evaluated for impairment	0		0
Balance at end of period collectively evaluated for impairment	0		(43,400)
Loans, interest and fees receivable, gross	0		259,500
Loans, interest and fees receivable individually evaluated for impairment	0		0
Loans, interest and fees receivable collectively evaluated for impairment	0		259,500
Credit Card Receivable [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Adoption of Fair Value Under the CECL Standard [Member]
Balance at beginning of period	43,400
Credit Card Receivable [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Adoption of the CECL Standard [Member]
Balance at beginning of period	0
Automobile Loan [Member]
Balance at beginning of period	(1,400)	(1,700)
Provision for loan losses	(100)	(100)
Charge-offs	400	600
Recoveries	(300)	(300)
Balance at end of period	(1,600)	(1,500)
Balance at end of period individually evaluated for impairment	0		(100)
Balance at end of period collectively evaluated for impairment	(1,600)		(1,300)
Loans, interest and fees receivable, gross	99,900		94,600
Loans, interest and fees receivable individually evaluated for impairment	0		400
Loans, interest and fees receivable collectively evaluated for impairment	99,900		94,200
Automobile Loan [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Adoption of Fair Value Under the CECL Standard [Member]
Balance at beginning of period	0
Automobile Loan [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Adoption of the CECL Standard [Member]
Balance at beginning of period	(200)
Other Unsecured Lending Products [Member]
Balance at beginning of period	(12,400)	(35,100)
Provision for loan losses	0	200
Charge-offs	0	7,300
Recoveries	0	(1,700)
Balance at end of period	0	$ (29,300)
Balance at end of period individually evaluated for impairment	0		0
Balance at end of period collectively evaluated for impairment	0		(12,400)
Loans, interest and fees receivable, gross	0		116,200
Loans, interest and fees receivable individually evaluated for impairment	0		0
Loans, interest and fees receivable collectively evaluated for impairment	0		$ 116,200
Other Unsecured Lending Products [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Adoption of Fair Value Under the CECL Standard [Member]
Balance at beginning of period	12,400
Other Unsecured Lending Products [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Adoption of the CECL Standard [Member]
Balance at beginning of period	$ 0

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	Mar. 31, 2022	Dec. 31, 2021
Total loans, interest and fees receivable, gross	$ 99,916	$ 470,293
Balance of loans greater than 90-days delinquent still accruing interest and fees	1,000	1,500
Financial Asset, 30 to 59 Days Past Due [Member]
Total loans, interest and fees receivable, gross	4,800	17,800
Financial Asset, 60 to 89 Days Past Due [Member]
Total loans, interest and fees receivable, gross	1,600	12,100
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Total loans, interest and fees receivable, gross	1,400	26,700
Financial Asset, Past Due [Member]
Total loans, interest and fees receivable, gross	7,800	56,600
Financial Asset, Not Past Due [Member]
Total loans, interest and fees receivable, gross	92,100	413,700
Credit Card Receivable [Member]
Total loans, interest and fees receivable, gross	0	259,500
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	0	7,300
Credit Card Receivable [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Total loans, interest and fees receivable, gross	0	6,900
Credit Card Receivable [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Total loans, interest and fees receivable, gross	0	17,900
Credit Card Receivable [Member] | Financial Asset, Past Due [Member]
Total loans, interest and fees receivable, gross	0	32,100
Credit Card Receivable [Member] | Financial Asset, Not Past Due [Member]
Total loans, interest and fees receivable, gross	0	227,400
Automobile Loan [Member]
Total loans, interest and fees receivable, gross	99,900	94,600
Balance of loans greater than 90-days delinquent still accruing interest and fees	1,000	1,500
Automobile Loan [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Total loans, interest and fees receivable, gross	4,800	7,200
Automobile Loan [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Total loans, interest and fees receivable, gross	1,600	2,600
Automobile Loan [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Total loans, interest and fees receivable, gross	1,400	2,000
Automobile Loan [Member] | Financial Asset, Past Due [Member]
Total loans, interest and fees receivable, gross	7,800	11,800
Automobile Loan [Member] | Financial Asset, Not Past Due [Member]
Total loans, interest and fees receivable, gross	92,100	82,800
Other Unsecured Lending Products [Member]
Total loans, interest and fees receivable, gross	0	116,200
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	0	3,300
Other Unsecured Lending Products [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Total loans, interest and fees receivable, gross	0	2,600
Other Unsecured Lending Products [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Total loans, interest and fees receivable, gross	0	6,800
Other Unsecured Lending Products [Member] | Financial Asset, Past Due [Member]
Total loans, interest and fees receivable, gross	0	12,700
Other Unsecured Lending Products [Member] | Financial Asset, Not Past Due [Member]
Total loans, interest and fees receivable, gross	$ 0	$ 103,500

Note 2 - Significant Accounti_6

Note 2 - Significant Accounting Policies and Consolidated Financial Statement Components - Summary of Troubled Debt Restructurings (Details) $ in Thousands		3 Months Ended
		Mar. 31, 2022USD ($)	Mar. 31, 2021USD ($)	Dec. 31, 2021USD ($)
Point-of-Sale [Member]
Number of TDRs		17,886		14,919
Amount of TDRs on non-accrual status (in thousands)		$ 21,280		$ 17,152
Carrying value of TDRs (in thousands)		$ 14,330		11,173
Number of accounts		3,853	2,448
Loan balance at time of charge off (in thousands)		$ 5,897	$ 3,364
Point-of-Sale [Member] | Performing Financial Instruments [Member]
Carrying value of TDRs (in thousands)	[1]	11,917		8,797
Point-of-Sale [Member] | Nonperforming Financial Instruments [Member]
Carrying value of TDRs (in thousands)	[1]	$ 2,413		$ 2,376
Point-of-Sale [Member] | Extended Maturity [Member]
Number of TDRs		283		812
Amount of TDRs on non-accrual status (in thousands)		$ 424		$ 1,205
Direct-to-Consumer [Member]
Number of TDRs		52,652		39,322
Amount of TDRs on non-accrual status (in thousands)		$ 32,915		$ 25,154
Carrying value of TDRs (in thousands)		$ 20,961		15,502
Number of accounts		10,487	6,304
Loan balance at time of charge off (in thousands)		$ 8,721	$ 5,553
Direct-to-Consumer [Member] | Performing Financial Instruments [Member]
Carrying value of TDRs (in thousands)	[1]	18,992		13,387
Direct-to-Consumer [Member] | Nonperforming Financial Instruments [Member]
Carrying value of TDRs (in thousands)	[1]	$ 1,969		$ 2,115
Direct-to-Consumer [Member] | Extended Maturity [Member]
Number of TDRs		893		2,035
Amount of TDRs on non-accrual status (in thousands)		$ 678		$ 1,553
[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		3 Months Ended
		Mar. 31, 2022	Mar. 31, 2021
Revenue from contracts with customers		$ 10,266	$ 4,579
Credit and Debit Card [Member]
Revenue from contracts with customers	[1]	5,698	2,622
Servicing Income [Member]
Revenue from contracts with customers		1,082	713
Service Charges and Other Customer Related Fees [Member]
Revenue from contracts with customers		3,486	1,244
Credit and Other Investments [Member]
Revenue from contracts with customers		9,998	4,239
Credit and Other Investments [Member] | Credit and Debit Card [Member]
Revenue from contracts with customers	[1]	5,698	2,622
Credit and Other Investments [Member] | Servicing Income [Member]
Revenue from contracts with customers		830	388
Credit and Other Investments [Member] | Service Charges and Other Customer Related Fees [Member]
Revenue from contracts with customers		3,470	1,229
Auto Finance [Member]
Revenue from contracts with customers		268	340
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		252	325
Auto Finance [Member] | Service Charges and Other Customer Related Fees [Member]
Revenue from contracts with customers		$ 16	$ 15
[1]	Interchange revenue is presented net of customer reward expense.

Note 3 - Segment Reporting (Det

Note 3 - Segment Reporting (Details Textual)	3 Months Ended
	Mar. 31, 2022
Number of Reportable Segments	2

Note 3 - Segment Reporting - Su

Note 3 - Segment Reporting - Summary of Operating Segment Information (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021
Consumer loans, including past due fees	$ 164,806	$ 102,296
Fees and related income on earning assets	54,698	37,020
Other revenue	10,266	4,579
Other non-operating revenue	61	840
Total revenue	229,831	144,735
Interest expense	(17,410)	(12,298)
Provision for losses on loans, interest and fees receivable recorded at net realizable value	(147)	(4,135)
Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value	(104,680)	(27,491)
Net margin	107,594	100,811
Income (loss) before income taxes	37,634	51,797
Income tax benefit	7,121	(7,770)
Total assets	1,921,637	1,199,495	$ 1,943,863
Credit and Other Investments [Member]
Consumer loans, including past due fees	156,465	94,110
Fees and related income on earning assets	54,680	37,003
Other revenue	9,998	4,238
Other non-operating revenue	35	835
Total revenue	221,178	136,186
Interest expense	(17,163)	(12,044)
Provision for losses on loans, interest and fees receivable recorded at net realizable value	0	(4,007)
Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value	(104,680)	(27,491)
Net margin	99,335	92,644
Income (loss) before income taxes	43,598	49,304
Income tax benefit	5,518	(7,163)
Total assets	1,835,155	1,117,215
Auto Finance [Member]
Consumer loans, including past due fees	8,341	8,186
Fees and related income on earning assets	18	17
Other revenue	268	341
Other non-operating revenue	26	5
Total revenue	8,653	8,549
Interest expense	(247)	(254)
Provision for losses on loans, interest and fees receivable recorded at net realizable value	(147)	(128)
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	8,259	8,167
Income (loss) before income taxes	(5,964)	2,493
Income tax benefit	1,603	(607)
Total assets	$ 86,482	$ 82,280

Note 4 - Shareholders' Equity_2

Note 4 - Shareholders' Equity and Preferred Stock (Details Textual) - USD ($)	Dec. 27, 2019	Mar. 31, 2020	Jul. 31, 2021	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021	Nov. 14, 2019	Nov. 26, 2014
Stock Repurchased and Retired During Period, Shares (in shares)				1,005,212	9,928
Stock Repurchased and Retired During Period, Value				$ 65,214,000	$ 297,000
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] | Public Offering [Member]
Preferred Stock, Dividend Rate, Percentage			7.625%
Stock Issued During Period, Shares, New Issues (in shares)			3,188,533,000,000
Preferred Stock, Liquidation Preference Per Share (in dollars per share)			$ 25
Proceeds from Issuance of Preferred Stock and Preference Stock			$ 76,500,000
Shares Issued, Price Per Share (in dollars per share)			$ 25
Preferred Stock, Dividends Per Share, Declared (in dollars per share)			$ 1.90625
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)	Mar. 31, 2022
Equity Method Investment to Acquire Portfolio of Credit Card Receivables [Member]
Equity Method Investment, Ownership Percentage	66.70%

Note 5 - Investment in Equity_4

Note 5 - Investment in Equity-method Investee - Summary of Equity-method Investee (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Net margin	$ 229,831	$ 144,735
Net income	44,755	44,027
Net income attributable to our equity investment investee	$ 0	19
Equity Method Investment, Nonconsolidated Investee or Group of Investees [Member]
Net margin		55
Net income		$ 29

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		Mar. 31, 2022	Dec. 31, 2021
Loans, interest and fees receivable, at fair value		$ 1,405,765	$ 1,026,424
Fair Value, Recurring [Member]
Loans, interest and fees receivable, net for which it is practicable to estimate fair value	[1]	82,426	383,811
Loans, interest and fees receivable, at fair value	[1]	1,405,765	1,026,424
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]	90,585	402,380
Loans, interest and fees receivable, at fair value	[1]	$ 1,405,765	$ 1,026,424
[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	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Balance	$ 1,026,424	$ 417,098
Net revaluations of loans, interest and fees receivable, at fair value, included in earnings	(3,372)	(13,303)
Principal charge-offs, net of recoveries, included in earnings	(68,797)	(10,686)
Finance charge-offs, included in earnings	(32,511)	(3,630)
Purchases	537,573	250,469
Settlements	(563,104)	(211,065)
Finance and fees, included in earnings	194,567	52,551
Balance	1,405,765	481,434
Cumulative Effect, Period of Adoption, Adjustment [Member]
Balance	$ 314,985	$ 0

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	Mar. 31, 2022USD ($)	Dec. 31, 2021USD ($)
Loans, interest and fees receivable, at fair value	$ 1,405,765	$ 1,026,424
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Gross Yield [Member]
Loans, interest and fees receivable, at fair value	$ 1,405,765	$ 1,026,424
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	0.324	0.409
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	0.109	0.106
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	0.305	0.235
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	0.037	0.046
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	0.127	0.129

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	Mar. 31, 2022	Dec. 31, 2021
Revolving credit facilities	$ 1,245,513	$ 1,255,518
Amortizing debt facilities	23,308	23,346
Senior notes, net	143,310	142,951
Senior notes, net	143,310	142,951
Fair Value, Inputs, Level 1 [Member]
Revolving credit facilities	0	0
Amortizing debt facilities	0	0
Senior notes, net	148,200	153,000
Senior notes, net	148,200	153,000
Fair Value, Inputs, Level 2 [Member]
Revolving credit facilities	0	0
Amortizing debt facilities	0	0
Senior notes, net	0	0
Senior notes, net	0	0
Fair Value, Inputs, Level 3 [Member]
Revolving credit facilities	1,245,513	1,255,518
Amortizing debt facilities	23,308	23,346
Senior notes, net	0	0
Senior notes, net	$ 0	$ 0

Note 6 - Fair Values of Asset_7

Note 6 - Fair Values of Assets and Liabilities - Reconciliation of Level 3 Liabilities (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2022USD ($)
Balance	$ 2,919
Net revaluations of notes payable associated with structured financings, at fair value, included in earnings	(128)
Balance	$ 2,791

Note 6 - Fair Values of Asset_8

Note 6 - Fair Values of Assets and Liabilities - Summary of Other Relevant Data (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Loans, interest and fees receivable, at fair value	$ 1,405,765	$ 1,026,424
Loans and Fees Receivable at Fair Value [Member]
Aggregate unpaid gross balance of loans, interest and fees receivable that are reported at fair value	1,102	1,249
Aggregate unpaid principal balance included within loans, interest and fees receivable that are reported at fair value	1,064	1,204
Loans, interest and fees receivable, at fair value	1,065	1,215
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)	5	8
Unpaid principal balance of receivables within loans, interest and fees receivable that are reported at fair value and are 90 days or more past due (which also coincides with finance charge and fee non-accrual policies) over the fair value of such loans, interest and fees receivable	13	13
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	1,677,610	1,234,039
Aggregate unpaid principal balance included within loans, interest and fees receivable that are reported at fair value	1,530,777	1,131,895
Loans, interest and fees receivable, at fair value	1,404,700	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)	5,100	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	$ 94,519	$ 59,656

Note 7 - Variable Interest En_3

Note 7 - Variable Interest Entities - Summary of Variable Interest Entities (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021	Mar. 31, 2021
Unrestricted cash and cash equivalents	$ 373,468	$ 409,660
Restricted cash and cash equivalents	32,009	96,968
Loans, interest and fees receivable, at fair value	1,405,765	1,026,424
Total loans, interest and fees receivable, gross	99,916	470,293
Allowances for uncollectible loans, interest and fees receivable	(1,612)	(57,201)
Deferred revenue	(15,878)	(29,281)
Total Assets held by VIEs	1,921,637	1,943,863	$ 1,199,495
Notes Payable, net held by VIEs	1,268,821	1,278,864
Maximum exposure to loss due to involvement with VIEs	1,285,100	1,289,100
Variable Interest Entity, Primary Beneficiary [Member]
Unrestricted cash and cash equivalents	211,600	209,500
Restricted cash and cash equivalents	12,500	75,900
Loans, interest and fees receivable, at fair value	1,293,200	925,500
Total loans, interest and fees receivable, gross	0	369,600
Allowances for uncollectible loans, interest and fees receivable	0	(55,100)
Deferred revenue	0	(8,200)
Total Assets held by VIEs	1,517,300	1,517,200
Notes Payable, net held by VIEs	$ 1,206,600	$ 1,223,400

Note 8 - Leases (Details Textua

Note 8 - Leases (Details Textual) $ in Millions	3 Months Ended
	Mar. 31, 2022	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	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Operating lease cost, gross	$ 1,724	$ 1,726
Sublease income	(1,302)	(1,293)
Net Operating lease cost	422	433
Cash paid under operating leases, gross	$ 2,635	$ 2,584
Weighted average remaining lease term - months (Month)	20 months
Weighted average discount rate	5.20%

Note 8 - Leases - Maturities of

Note 8 - Leases - Maturities of Lease Liabilities (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
2022 (excluding the three months ended March 31, 2022), gross	$ 2,151
2022 (excluding the three months ended March 31, 2022), payments received from sublease	(1,245)
2022 (excluding the three months ended March 31, 2022), net lease payment	906
2023, gross	549
2023, payments received from sublease	0
2023, net lease payment	549
2024, gross	347
2024, payments received from sublease	0
2024, net lease payment	347
2025, gross	204
2025, payments received from sublease	0
2025, net lease payment	204
2026, gross	95
2026, payments received from sublease	0
2026, net lease payment	95
Thereafter, gross	25
Thereafter, payments received from sublease	0
Thereafter, net lease payment	25
Gross, gross	3,371
Sublease income, payments received from sublease	(1,245)
Lease payments, net lease payment	2,126
Less imputed interest, gross	(914)
Total, net	$ 2,457	$ 4,842

Note 9 - Notes Payable (Details

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

1 Months Ended

3 Months Ended

Nov. 30, 2021

Sep. 30, 2021

Jun. 30, 2021

Oct. 31, 2020

Jul. 31, 2020

Nov. 30, 2019

Mar. 31, 2022

Dec. 31, 2021

Jan. 31, 2021

Aug. 31, 2019

Jun. 30, 2019

Dec. 31, 2018

Dec. 31, 2017

Oct. 31, 2015

Long-Term Line of Credit, Total

$ 1,245,513

$ 1,255,518

Proceeds from Issuance of Long-term Debt, Total

$ 300,000

$ 300,000

$ 250,000

$ 100,000

$ 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

$ 15,000

Long-Term Line of Credit, Total

10,000

Second Term Facility [Member]

Line of Credit Facility, Maximum Borrowing Capacity

$ 75,000

Long-Term Line of Credit, Total

0

Debt Instrument, Interest Rate, Stated Percentage

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

$ 400

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

$ 36,900

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

Line of Credit Facility, Maximum Borrowing Capacity

38,900

$ 55,000

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

14,800

June 2019 Revolving Credit Facility [Member]

Line of Credit Facility, Maximum Borrowing Capacity

$ 15,000

Long-Term Line of Credit, Total

$ 4,800

London Interbank Offered Rate (LIBOR) [Member]

Debt Instrument, Variable Rate

0.45%

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

3.50%

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

Debt Instrument, Basis Spread on Variable Rate

3.15%

Note 9 - Notes Payable - Schedu

Note 9 - Notes Payable - Schedule of Notes Payable at Face Value and Notes Payable to Related Parties (Details) - USD ($) $ in Thousands		Mar. 31, 2022		Dec. 31, 2021
Revolving credit facilities		$ 1,245,513		$ 1,255,518
Amortizing debt facilities		23,308		23,346
Total notes payable before unamortized debt issuance costs and discounts		1,278,700	[1]	1,289,000
Unamortized debt issuance costs and discounts		(9,900)	[1]	(10,100)
Total notes payable outstanding, net		1,268,800	[1]	1,278,900
Other Secured Debt [Member]
Amortizing debt facilities		5,900	[1]	5,900
Phoenix [Member]
Unsecured term debt (expiring August 26, 2024) with a weighted average interest rate equal to 8.0% (3)	[2]	17,400	[1]	17,400
Revolving Credit Facility Expiring November 1, 2024 [Member]
Revolving credit facilities	[2],[3],[4]	38,900	[1]	32,100
Revolving Credit Facility Expiring October 30, 2023 [Member]
Revolving credit facilities	[2],[4],[5],[6]	36,900	[1]	48,700
Revolving Credit Facility Expiring October 15, 2022 [Member]
Revolving credit facilities	[2],[4],[5],[6],[7]	0	[1]	0
Revolving Credit Facility Expiring July 15, 2022 [Member]
Revolving credit facilities	[2],[4],[5],[6]	4,800	[1]	5,700
Revolving Credit Facility Expiring March 15, 2024 [Member]
Revolving credit facilities	[2],[4],[5],[6],[7]	0	[1]	0
Revolving Credit Facility Expiring May 15, 2024 [Member]
Revolving credit facilities	[2],[5],[6],[7]	200,000	[1]	200,000
Revolving Credit Facility Expiring April 21, 2023 [Member]
Revolving credit facilities	[2],[4],[5],[6]	14,800	[1]	19,200
Revolving Credit Facility Expiring January 15, 2025 [Member]
Revolving credit facilities	[2],[5],[6],[7]	100,000	[1]	100,000
Revolving Credit Facility Expiring October 15, 2025 [Member]
Revolving credit facilities	[2],[5],[6],[7]	250,000	[1]	250,000
Revolving Credit Facility Expiring February 15, 2024 [Member]
Revolving credit facilities	[2],[5],[6]	10,000	[1]	10,000
Revolving Credit Facility Expiring December 15, 2026 [Member]
Revolving credit facilities	[2],[5],[6],[7]	300,000	[1]	300,000
Revolving Credit Facility Expiring March 15, 2025 [Member]
Revolving credit facilities	[2],[5],[6],[7]	0	[1]	0
Revolving Credit Facility Expiring May 15, 2026 [Member]
Revolving credit facilities	[2],[5],[6],[7]	$ 300,000	[1]	$ 300,000
[1]	As of March 31, 2022, the LIBOR rate was 0.45% and the prime rate was 3.50%.
[2]	See below for additional information.
[3]	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.
[4]	These notes reflect modifications to either extend the maturity date, increase the loan amount or both, and are treated as accounting modifications.
[5]	Loans are associated with VIEs.
[6]	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.
[7]	Creditors do not have recourse against the general assets of the Company but only to the collateral within the VIEs.

Note 9 - Notes Payable - Sche_2

Note 9 - Notes Payable - Schedule of Notes Payable at Face Value and Notes Payable to Related Parties (Details) (Parentheticals) - USD ($) $ in Millions		3 Months Ended		12 Months Ended
		Mar. 31, 2022	[1]	Dec. 31, 2021	Oct. 31, 2015
Phoenix [Member]
Interest rate	[2]	8.00%		8.00%
Debt maturity	[2]	Aug. 26, 2024		Aug. 26, 2024
Revolving Credit Facility Expiring November 1, 2024 [Member]
Revolving credit facility, maximum borrowing capacity	[2],[3],[4]	$ 55		$ 55
Revolving credit facility, expiration date	[2],[3],[4]	Nov. 1, 2024		Nov. 1, 2024
Revolving Credit Facility [Member]
Revolving credit facility, maximum borrowing capacity					$ 50
Amount of securing assets	[2],[3],[4]	$ 1,392.2		$ 1,391.6
Interest rate	[2],[3],[4]	4.30%		4.30%
Revolving Credit Facility Expiring October 30, 2023 [Member]
Revolving credit facility, maximum borrowing capacity	[2],[4],[5],[6]	$ 50		$ 50
Revolving credit facility, expiration date	[2],[4],[5],[6]	Oct. 30, 2023		Oct. 30, 2023
Revolving Credit Facility Expiring October 15, 2022 [Member]
Revolving credit facility, maximum borrowing capacity	[2],[4],[5],[6],[7]	$ 100		$ 100
Revolving credit facility, expiration date	[2],[4],[5],[6],[7]	Oct. 15, 2022		Oct. 15, 2022
Revolving Credit Facility Expiring July 15, 2022 [Member]
Revolving credit facility, maximum borrowing capacity	[2],[4],[5],[6]	$ 15		$ 15
Revolving credit facility, expiration date	[2],[4],[5],[6]	Jul. 15, 2022		Jul. 15, 2022
Revolving Credit Facility Expiring March 15, 2024 [Member]
Revolving credit facility, maximum borrowing capacity	[2],[4],[5],[6],[7]	$ 100		$ 100
Revolving credit facility, expiration date	[2],[4],[5],[6],[7]	Mar. 15, 2024		Mar. 15, 2024
Revolving Credit Facility Expiring May 15, 2024 [Member]
Revolving credit facility, maximum borrowing capacity	[2],[5],[6],[7]	$ 200		$ 200
Revolving credit facility, expiration date	[2],[5],[6],[7]	May 15, 2024		May 15, 2024
Revolving Credit Facility Expiring April 21, 2023 [Member]
Revolving credit facility, maximum borrowing capacity	[2],[4],[5],[6]	$ 25		$ 25
Revolving credit facility, expiration date	[2],[4],[5],[6]	Apr. 21, 2023		Apr. 21, 2023
Revolving Credit Facility Expiring January 15, 2025 [Member]
Revolving credit facility, maximum borrowing capacity	[2],[5],[6],[7]	$ 100		$ 100
Revolving credit facility, expiration date	[2],[5],[6],[7]	Jan. 15, 2025		Jan. 15, 2025
Revolving Credit Facility Expiring October 15, 2025 [Member]
Revolving credit facility, maximum borrowing capacity	[2],[5],[6],[7]	$ 250		$ 250
Revolving credit facility, expiration date	[2],[5],[6],[7]	Oct. 15, 2025		Oct. 15, 2025
Revolving Credit Facility Expiring February 15, 2024 [Member]
Revolving credit facility, maximum borrowing capacity	[2],[5],[6]	$ 15		$ 15
Revolving credit facility, expiration date	[2],[5],[6]	Feb. 15, 2024		Feb. 15, 2024
Revolving Credit Facility Expiring December 15, 2026 [Member]
Revolving credit facility, maximum borrowing capacity	[2],[5],[6],[7]	$ 300		$ 300
Revolving credit facility, expiration date	[2],[5],[6],[7]	Dec. 15, 2026		Dec. 15, 2026
Revolving Credit Facility Expiring March 15, 2025 [Member]
Revolving credit facility, maximum borrowing capacity	[2],[5],[6],[7]	$ 75		$ 75
Revolving credit facility, expiration date	[2],[5],[6],[7]	Mar. 15, 2025		Mar. 15, 2025
Revolving Credit Facility Expiring May 15, 2026 [Member]
Revolving credit facility, maximum borrowing capacity	[2],[5],[6],[7]	$ 300		$ 300
Revolving credit facility, expiration date	[2],[5],[6],[7]	May 15, 2026		May 15, 2026
[1]	As of March 31, 2022, the LIBOR rate was 0.45% and the prime rate was 3.50%.
[2]	See below for additional information.
[3]	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.
[4]	These notes reflect modifications to either extend the maturity date, increase the loan amount or both, and are treated as accounting modifications.
[5]	Loans are associated with VIEs.
[6]	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.
[7]	Creditors do not have recourse against the general assets of the Company but only to the collateral within the VIEs.

Note 10 - Commitments and Con_2

Note 10 - Commitments and Contingencies (Details Textual) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021	Mar. 31, 2021
Assets, Total	$ 1,921,637	$ 1,943,863	$ 1,199,495
Auto Finance [Member]
Assets, Total	86,482		$ 82,280
Loss Contingency Accrual, Ending Balance	8,500
Asset Pledged as Collateral [Member] | Contractual Obligations [Member]
Assets, Total	19,500
Unfunded Individual Credit Commitment [Member]
Other Commitment, Total	2,100,000
Unfunded Outstanding Floor-Plan Financing Commitment [Member]
Other Commitment, Total	12,800
Credit Protection Program [Member]
Loss Contingency, Estimate of Possible Loss	$ 63,800

Note 11 - Net Income Attribut_3

Note 11 - Net Income Attributable to Controlling Interests Per Common Share (Details Textual) - shares	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Weighted Average Number of Shares, Unvested Share-based Payment Awards, Basic (in shares)	100,331	421,639
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	4,000,000

Note 11 - Net Income Attribut_4

Note 11 - Net Income Attributable to Controlling Interests Per Common Share - Summary of Earning Per Share (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands		3 Months Ended
		Mar. 31, 2022	Mar. 31, 2021
Net income attributable to controlling interests		$ 45,010	$ 44,075
Preferred stock and preferred unit dividends and accretion		(6,206)	(4,687)
Net income attributable to common shareholders—basic		38,804	39,388
Effect of dilutive preferred stock dividends and accretion		592	592
Net income attributable to common shareholders—diluted		$ 39,396	$ 39,980
Basic (including unvested share-based payment awards) (1) (in shares)	[1]	14,821	15,013
Effect of dilutive stock compensation arrangements and exchange of preferred stock (in shares)		5,238	5,921
Diluted (including unvested share-based payment awards) (1) (in shares)	[1]	20,059	20,934
Net income attributable to common shareholders per common share—basic (in dollars per share)		$ 2.62	$ 2.62
Net income attributable to common shareholders per common share—diluted (in dollars per share)		$ 1.96	$ 1.91
[1]	Shares related to unvested share-based payment awards included in our basic and diluted share counts were 100,330 for the three months ended March 31, 2022, compared to 421,639 for the three months ended March 31, 2021

Note 12 - Stock-based Compens_3

Note 12 - Stock-based Compensation (Details Textual) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021
Share-based Compensation, Tax Charges to Additional Paid in Capital From Exercise and Vesting	$ 0	$ 0
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Remaining Amortization Period (Year)	1 year 6 months
Restricted Stock [Member]
Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Grants in Period (in shares)	106,498	33,276
Share-Based Payment Arrangement, Expensed and Capitalized, Amount, Total	$ 5,000	$ 900
Share-Based Payment Arrangement, Expense	600	200
Share-Based Payment Arrangement, Nonvested Award, Excluding Option, Cost Not yet Recognized, Amount	$ 5,400
Share-Based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Period for Recognition (Year)	3 years
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	$ 500	300
Share-based Compensation Arrangement by Share-based Payment Award, Expiration Period (Year)	10 years
Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Fair Value	$ 0	$ 100
Share-Based Payment Arrangement, Nonvested Award, Option, Cost Not yet Recognized, Amount	$ 1,900		$ 2,400
The Fourth Amended 2014 Plan [Member]
Share-Based Compensation Arrangement by Share-Based Payment Award, Number of Shares Available for Grant (in shares)	53,724
Employee Stock Purchase Plan [Member]
Share-Based Compensation Arrangement by Share-Based Payment Award, Number of Shares Available for Grant (in shares)	1,996,953

Note 12 - Stock-based Compens_4

Note 12 - Stock-based Compensation - Summary of Outstanding Options (Details)	3 Months Ended
	Mar. 31, 2022USD ($)$ / sharesshares
Outstanding (in shares) | shares	2,017,969
Outstanding, weighted average exercise price (in dollars per share) | $ / shares	$ 6.74
Issued (in shares) | shares	0
Issued, weighted average exercise price (in dollars per share) | $ / shares	$ 0
Exercised (in shares) | shares	(1,000,534)
Exercised, weighted average exercise price (in dollars per share) | $ / shares	$ 2.79
Expired/Forfeited (in shares) | shares	(1,000)
Expired/Forfeited, weighted average exercise price (in dollars per share) | $ / shares	$ 15.30
Outstanding (in shares) | shares	1,016,435
Outstanding, weighted average exercise price (in dollars per share) | $ / shares	$ 10.63
Outstanding, weighted average remaining contractual life (Year)	1 year 10 months 24 days
Outstanding, aggregate intrinsic value | $	$ 41,834,424
Exercisable (in shares) | shares	815,666
Exercisable, weighted average exercise price (in dollars per share) | $ / shares	$ 6.19
Exercisable, weighted average remaining contractual life (Year)	1 year 6 months
Exercisable, aggregate intrinsic value | $	$ 37,191,595