Atlanticus (ATLC) 10-K 14 Mar 23 2022 FY Annual report Financial data

Document And Entity Information

Document And Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2022	Feb. 28, 2023	Jun. 30, 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	FY
Document Fiscal Year Focus	2022
Document Type	10-K
Document Annual Report	true
Document Period End Date	Dec. 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 Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
ICFR Auditor Attestation Flag	true
Entity Shell Company	false
Entity Public Float			$ 163,900,000
Entity Common Stock, Shares Outstanding		14,449,712
Auditor Name	BDO USA, LLP
Auditor Location	Atlanta, GA
Auditor Firm ID	243
Senior Notes [Member]
Document Information [Line Items]
Title of 12(b) Security	Senior Notes due 2026
Trading Symbol	ATLCL
Security Exchange Name	NASDAQ
Series B Preferred Stock [Member]
Document Information [Line Items]
Title of 12(b) Security	Series B Preferred Stock, no par value per share
Trading Symbol	ATLCP
Security Exchange Name	NASDAQ
Common Stock [Member]
Document Information [Line Items]
Title of 12(b) Security	Common stock, no par value per share
Trading Symbol	ATLC
Security Exchange Name	NASDAQ

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands		Dec. 31, 2022	Dec. 31, 2021
Assets
Unrestricted cash and cash equivalents		$ 384,984	$ 409,660
Restricted cash and cash equivalents		48,208	96,968
Loans, interest and fees receivable:
Loans, interest and fees receivable, at fair value		1,817,976	1,026,424
Loans, interest and fees receivable, gross		105,267	470,293
Allowances for uncollectible loans, interest and fees receivable (including $0 and $55.1 million associated with variable interest entities at December 31, 2022 and December 31, 2021, respectively)		(1,643)	(57,201)
Deferred revenue (including $0 and $8.2 million associated with variable interest entities at December 31, 2022 and December 31, 2021, respectively)		(16,190)	(29,281)
Net loans, interest and fees receivable		1,905,410	1,410,235
Property at cost, net of depreciation		10,013	7,335
Operating lease right-of-use assets		11,782	4,016
Prepaid expenses and other assets		27,417	15,649
Total assets		2,387,814	1,943,863
Liabilities
Accounts payable and accrued expenses		44,332	42,287
Operating lease liabilities		20,112	4,842
Notes Payable, net held by VIEs		1,653,306	1,278,864
Senior notes, net		144,385	142,951
Income tax liability		60,689	47,770
Total liabilities		1,922,824	1,516,714
Commitments and contingencies (Note 11)
Shareholders' Equity
Common stock, no par value, 150,000,000 shares authorized: 14,453,415 and 14,804,408 shares issued and outstanding at December 31, 2022 and December 31, 2021, respectively		0	0
Paid-in capital		121,996	227,763
Retained earnings		204,415	60,236
Total shareholders’ equity		326,411	287,999
Noncontrolling interests		(1,371)	(500)
Total equity		325,040	287,499
Total liabilities, preferred stock and equity		2,387,814	1,943,863
Series A Preferred Stock [Member]
Liabilities
Series A preferred stock, 400,000 shares issued and outstanding at December 31, 2022 (liquidation preference - $40.0 million); 400,000 shares issued and outstanding at December 31, 2021 (Note 4) (1)	[1]	40,000	40,000
Class B preferred units issued to noncontrolling interests (Note 4)	[1]	40,000	40,000
Series B Preferred Stock [Member]
Liabilities
Series A preferred stock, 400,000 shares issued and outstanding at December 31, 2022 (liquidation preference - $40.0 million); 400,000 shares issued and outstanding at December 31, 2021 (Note 4) (1)		99,950	99,650
Class B preferred units issued to noncontrolling interests (Note 4)		99,950	99,650
Shareholders' Equity
Series B preferred stock, no par value, 3,204,640 shares issued and outstanding at December 31, 2022 (liquidation preference - $80.1 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 (Pa

Consolidated Balance Sheets (Parentheticals) - USD ($) $ / shares in Thousands, $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Unrestricted cash and cash equivalents	$ 384,984	$ 409,660
Restricted cash and cash equivalents	48,208	96,968
Loans, interest and fees receivable, at fair value	1,817,976	1,026,424
Loans, interest and fees receivable, gross	105,267	470,293
Allowances for uncollectible loans, interest and fees receivable	1,643	57,201
Deferred revenue	16,190	29,281
Notes payable, at face value	$ 1,653,306	$ 1,278,864
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)	14,453,415	14,804,408
Common stock, outstanding (in shares)	14,453,415	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)	3,204,640	3,188,533
Preferred stock, shares outstanding (in shares)	3,204,640	3,188,533
Preferred stock, liquidation preference	$ 80,100	$ 80,100
Variable Interest Entity, Primary Beneficiary [Member]
Unrestricted cash and cash equivalents	202,200	209,500
Restricted cash and cash equivalents	27,600	75,900
Loans, interest and fees receivable, at fair value	1,735,900	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	$ 1,586,000	$ 1,223,400

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Revenue:
Consumer loans, including past due fees	$ 786,235	$ 518,783	$ 410,616
Fees and related income on earning assets	217,071	194,466	133,960
Other revenue	42,798	30,606	15,431
Total operating revenue, net	1,046,104	743,855	560,007
Other non-operating revenue	809	4,201	3,403
Total revenue	1,046,913	748,056	563,410
Interest expense	(81,851)	(54,127)	(51,548)
Provision for losses on loans, interest and fees receivable recorded at amortized cost	(1,252)	(36,455)	(142,719)
Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value	(577,069)	(218,733)	(108,548)
Net margin	386,741	438,741	260,595
Operating expense:
Salaries and benefits	43,063	34,024	29,079
Card and loan servicing	95,428	75,397	63,047
Marketing and solicitation	62,403	56,635	35,012
Depreciation	2,175	1,493	1,247
Other	34,400	22,180	17,819
Total operating expense	237,469	189,729	146,204
Loss on repurchase and redemption of convertible senior notes	0	29,439	0
Income before income taxes	149,272	219,573	114,391
Income tax expense	(14,660)	(41,784)	(20,474)
Net income	134,612	177,789	93,917
Net loss attributable to noncontrolling interests	985	113	203
Net income attributable to controlling interests	135,597	177,902	94,120
Preferred dividends and discount accretion	(25,076)	(22,363)	(17,070)
Net income attributable to common shareholders	$ 110,521	$ 155,539	$ 77,050
Net income attributable to common shareholders per common share—basic (in dollars per share)	$ 7.55	$ 10.32	$ 5.32
Net income attributable to common shareholders per common share—diluted (in dollars per share)	$ 5.83	$ 7.56	$ 3.95

Consolidated Statements of Shar

Consolidated Statements of Shareholders' Equity and Temporary Equity - USD ($)	Cumulative Effect, Period of Adoption, Adjustment [Member] Retained Earnings [Member]	Preferred Stock [Member] Series B Preferred Stock [Member]	Preferred Stock [Member] Class B Preferred Units [Member]	Preferred Stock [Member] Series A Preferred Stock [Member]	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	Noncontrolling Interest [Member]	Series B Preferred Stock [Member]	Total
Balance (in shares) at Dec. 31, 2019					15,885,314
Balance at Dec. 31, 2019			$ 49,050,000	$ 40,000,000		$ 212,692,000	$ (211,786,000)	$ (571,000)		$ 335,000
Accretion of discount associated with issuance of subsidiary equity			300,000			(300,000)				(300,000)
Preferred dividends						(16,770,000)				(16,770,000)
Stock option exercises and proceeds related thereto (in shares)					407,533
Stock option exercises and proceeds related thereto						1,326,000				1,326,000
Compensatory stock issuances, net of forfeitures (in shares)					68,040
Contributions by preferred shareholders			50,000,000
Stock-based compensation costs						1,355,000				$ 1,355,000
Redemption and retirement of shares (in shares)					(245,534)					(245,534)
Redemption and retirement of shares						(3,353,000)				$ (3,353,000)
Net income (loss)							94,120,000	(203,000)		93,917,000
Balance (in shares) at Dec. 31, 2020					16,115,353
Balance at Dec. 31, 2020			99,350,000	40,000,000		194,950,000	(117,666,000)	(774,000)		76,510,000
Accretion of discount associated with issuance of subsidiary equity			300,000			(300,000)				(300,000)
Preferred dividends						(22,063,000)				(22,063,000)
Stock option exercises and proceeds related thereto (in shares)					526,015
Stock option exercises and proceeds related thereto						1,885,000				1,885,000
Compensatory stock issuances, net of forfeitures (in shares)					56,654
Contributions by preferred shareholders								387,000		387,000
Stock-based compensation costs						3,240,000				$ 3,240,000
Redemption and retirement of shares (in shares)					(1,893,614)					(434,381)
Redemption and retirement of shares						(25,219,000)				$ (25,219,000)
Net income (loss)							177,902,000	(113,000)		177,789,000
Issuance of series B preferred stock, net (in shares)		3,188,533
Issuance of series B preferred stock, net						75,270,000				75,270,000
Balance (in shares) at Dec. 31, 2021		3,188,533			14,804,408
Balance at Dec. 31, 2021	$ 8,582,000		99,650,000	40,000,000		227,763,000	60,236,000	(500,000)		287,499,000
Accretion of discount associated with issuance of subsidiary equity			300,000			(300,000)				(300,000)
Preferred dividends						(24,794,000)				$ (24,794,000)
Stock option exercises and proceeds related thereto (in shares)					1,211,141					1,211,141
Stock option exercises and proceeds related thereto						3,731,000				$ 3,731,000
Compensatory stock issuances, net of forfeitures (in shares)					112,027
Contributions by preferred shareholders								114,000		114,000
Stock-based compensation costs						4,167,000				$ 4,167,000
Redemption and retirement of shares (in shares)									(3,500)	(1,674,161)
Redemption and retirement of shares									$ (69,000)	$ (88,939,000)
Net income (loss)							135,597,000	(985,000)		134,612,000
Issuance of series B preferred stock, net (in shares)		19,607
Issuance of series B preferred stock, net						437,000				437,000
Discount associated with repurchase of preferred stock						18,000				18,000
Redemption and retirement of preferred shares (in shares)		(3,500)
Redemption and retirement of preferred shares						(87,000)				(87,000)
Redemption and retirement of common shares (in shares)					(1,674,161)
Redemption and retirement of common shares						(88,939,000)				(88,939,000)
Balance (in shares) at Dec. 31, 2022		3,204,640			14,453,415
Balance at Dec. 31, 2022			$ 99,950,000	$ 40,000,000		$ 121,996,000	$ 204,415,000	$ (1,371,000)		$ 325,040,000

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Operating activities
Net income	$ 134,612	$ 177,789	$ 93,917
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation, amortization and accretion, net	4,848	2,494	7,952
Provision for losses on loans, interest and fees receivable	1,252	36,455	142,719
Interest expense from accretion of discount on notes	0	453	585
Income from accretion of merchant fees and discount associated with receivables purchases	(137,179)	(166,266)	(110,402)
Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value	577,069	218,733	108,548
Amortization of deferred loan costs	5,101	5,114	5,137
Income from equity-method investments	0	(16)	(456)
Loss on repurchase and redemption of convertible senior notes	0	29,439	0
Stock-based compensation costs	4,167	3,240	1,355
Lease liability payments	(4,053)	(10,470)	(10,278)
Gain on sale of property	0	(599)	0
Changes in assets and liabilities:
Increase in uncollected fees on earning assets	(252,704)	(111,807)	(43,319)
Increase in income tax liability	10,412	21,838	20,147
Increase in accounts payable and accrued expenses	4,260	6,005	(3,096)
Other	(1,655)	(36)	(75)
Net cash provided by operating activities	346,130	212,366	212,734
Investing activities
Investments in equity-method investee	0	(398)	0
Proceeds from equity-method investee	0	560	998
Proceeds from recoveries on charged off receivables	32,361	14,065	13,781
Investments in earning assets	(2,544,477)	(2,018,760)	(1,330,980)
Proceeds from earning assets	1,836,183	1,535,500	1,024,375
Sale of property	0	1,100	0
Purchases and development of property, net of disposals	(4,852)	(7,089)	(749)
Net cash used in investing activities	(680,785)	(475,022)	(292,575)
Financing activities
Noncontrolling interests contributions	114	387	50,000
Proceeds from issuance of Series B preferred stock, net of issuance costs	437	75,270	0
Preferred dividends	(24,793)	(21,809)	(13,561)
Proceeds from exercise of stock options	3,731	1,885	1,326
Purchase and retirement of outstanding stock	(89,008)	(25,219)	(3,353)
Proceeds from issuance of Senior notes, net of issuance costs	0	142,832	0
Proceeds from borrowings	680,527	923,477	588,229
Repayment of borrowings	(309,753)	(586,495)	(460,256)
Net cash provided by financing activities	261,255	510,328	162,385
Effect of exchange rate changes on cash	(36)	(5)	23
Net (decrease) increase in cash and cash equivalents and restricted cash	(73,436)	247,667	82,567
Cash and cash equivalents and restricted cash at beginning of period	506,628	258,961	176,394
Cash and cash equivalents and restricted cash at end of period	433,192	506,628	258,961
Supplemental cash flow information
Cash paid for interest	75,357	47,608	46,526
Net cash income tax payments	4,248	19,946	327
Increase in accrued and unpaid preferred dividends	$ 1	$ 254	$ 3,209

Note 1 - Description of Our Bus

Note 1 - Description of Our Business	12 Months Ended
	Dec. 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 $30 25 third may not We also report within our CaaS segment: 1 2 None not 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	12 Months Ended
	Dec. 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. Unrestricted Cash and Cash Equivalents Unrestricted cash and cash equivalents consist of cash, money market investments and overnight deposits. We consider all highly liquid cash investments with low interest rate risk and original maturities of three $4.5 Restricted Cash Restricted cash as of December 31, 2022 2021 Loans, Interest and Fees Receivable We maintain two 90 180 180 30 not We adopted Accounting Standards Update ("ASU") 2016 13, January 1, 2022. one Loans, Interest and Fees Receivable, at Fair Value. January 1, 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 December 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, loan discounts on the purchase of our auto finance receivables and annual fee billings for our general purpose credit card receivables. Our private label credit, general purpose credit card 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, annual fees and loan discounts. As of December 31, 2022 December 31, 2021, December 31, 2022 December 31, 2021. As a result of the COVID- 19 March 2020 March 2020, 19 19 may 19. 19 19 not December 31, 2022 19 Our CaaS segment consists of two For the Year Ended December 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 credit losses — (1.3 ) — (1.3 ) Charge-offs — 2.6 — 2.6 Recoveries — (1.3 ) — (1.3 ) Balance at end of period $ — $ (1.6 ) $ — $ (1.6 ) As of December 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 $ — $ 105.3 $ — $ 105.3 Loans, interest and fees receivable individually evaluated for impairment $ — $ — $ — $ — Loans, interest and fees receivable collectively evaluated for impairment $ — $ 105.3 $ — $ 105.3 For the Year Ended December 31, 2021 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at beginning of period $ (88.2 ) $ (1.7 ) $ (35.1 ) $ (125.0 ) Provision for credit losses (34.9 ) (0.2 ) (1.4 ) (36.5 ) Charge-offs 88.6 1.5 31.1 121.2 Recoveries (8.9 ) (1.0 ) (7.0 ) (16.9 ) Balance at end of period $ (43.4 ) $ (1.4 ) $ (12.4 ) $ (57.2 ) As of December 31, 2021 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at end of period individually evaluated for impairment $ — $ (0.1 ) $ — $ (0.1 ) Balance at end of period collectively evaluated for impairment $ (43.4 ) $ (1.3 ) $ (12.4 ) $ (57.1 ) Loans, interest and fees receivable: Loans, interest and fees receivable, gross $ 259.5 $ 94.6 $ 116.2 $ 470.3 Loans, interest and fees receivable individually evaluated for impairment $ — $ 0.4 $ — $ 0.4 Loans, interest and fees receivable collectively evaluated for impairment $ 259.5 $ 94.2 $ 116.2 $ 469.9 For the Year Ended December 31, 2020 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at beginning of period $ (121.3 ) $ (1.6 ) $ (63.4 ) $ (186.3 ) Provision for credit losses (112.1 ) (2.0 ) (28.6 ) (142.7 ) Charge-offs 155.1 3.0 72.1 230.2 Recoveries (9.9 ) (1.1 ) (15.2 ) (26.2 ) Balance at end of period $ (88.2 ) $ (1.7 ) $ (35.1 ) $ (125.0 ) As of December 31, 2020 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at end of period individually evaluated for impairment $ — $ (0.3 ) $ — $ (0.3 ) Balance at end of period collectively evaluated for impairment $ (88.2 ) $ (1.4 ) $ (35.1 ) $ (124.7 ) Loans, interest and fees receivable: Loans, interest and fees receivable, gross $ 364.2 $ 93.2 $ 210.2 $ 667.6 Loans, interest and fees receivable individually evaluated for impairment $ — $ 2.3 $ — $ 2.3 Loans, interest and fees receivable collectively evaluated for impairment $ 364.2 $ 90.9 $ 210.2 $ 665.3 Delinquent loans, interest and fees receivable reflect the principal, fee and interest components of loans we did not not Recoveries, noted above, consist of amounts received from the efforts of third third December 31, 2022, third third December 31, 2021, third third December 31, 2020, third third We consider loan delinquencies a key indicator of credit quality because this measure provides the best ongoing estimate of how a particular class of receivables is performing. An aging of our delinquent loans, interest and fees receivable, gross (in millions) by class of receivable is as follows: As of December 31, 2022 Credit Cards Auto Finance Other Unsecured Lending Products Total 30-59 days past due $ — $ 8.5 $ — $ 8.5 60-89 days past due — 3.0 — 3.0 90 or more days past due — 2.1 — 2.1 Delinquent loans, interest and fees receivable, gross — 13.6 — 13.6 Current loans, interest and fees receivable, gross — 91.7 — 91.7 Total loans, interest and fees receivable, gross $ — $ 105.3 $ — $ 105.3 Balance of loans greater than 90-days delinquent still accruing interest and fees $ — $ 1.7 $ — $ 1.7 As of December 31, 2021 Credit Cards Auto Finance Other Unsecured Lending Products Total 30-59 days past due $ 7.3 $ 7.0 $ 3.3 $ 17.6 60-89 days past due 6.9 2.5 2.6 12.0 90 or more days past due 17.9 1.8 6.8 26.5 Delinquent loans, interest and fees receivable, gross 32.1 11.3 12.7 56.1 Current loans, interest and fees receivable, gross 227.4 83.3 103.5 414.2 Total loans, interest and fees receivable, gross $ 259.5 $ 94.6 $ 116.2 $ 470.3 Balance of loans greater than 90-days delinquent still accruing interest and fees $ — $ 1.5 $ — $ 1.5 As of December 31, 2020 Credit Cards Auto Finance Other Unsecured Lending Products Total 30-59 days past due $ 12.4 $ 7.6 $ 5.1 $ 25.1 60-89 days past due 8.0 2.8 3.8 14.6 90 or more days past due 19.9 2.1 9.5 31.5 Delinquent loans, interest and fees receivable, gross 40.3 12.5 18.4 71.2 Current loans, interest and fees receivable, gross 323.9 80.7 191.8 596.4 Total loans, interest and fees receivable, gross $ 364.2 $ 93.2 $ 210.2 $ 667.6 Balance of loans greater than 90-days delinquent still accruing interest and fees $ — $ 1.5 $ — $ 1.5 Troubled Debt Restructurings As part of ongoing collection efforts, once an account, the receivable of which is included in our CaaS segment, becomes 90 may no one 19 six 19 30 not not not 19 The following table details by class of receivable, the number and amount of modified loans, including TDRs that have been re-aged: As of December 31, 2022 December 31, 2021 December 31, 2020 Private label credit General purpose credit card Private label credit General purpose credit card Private label credit General purpose credit card Number of TDRs 24,594 171,729 14,919 39,322 12,394 37,784 Number of TDRs that have been re-aged 2,499 28,598 812 2,035 2,788 7,846 Amount of TDRs on non-accrual status (in thousands) $ 31,350 $ 119,785 $ 17,152 $ 25,154 $ 14,537 $ 26,989 Amount of TDRs on non-accrual status above that have been re-aged (in thousands) $ 4,606 $ 24,440 $ 1,205 $ 1,553 $ 4,662 $ 6,890 Carrying value of TDRs (in thousands) $ 18,827 $ 70,519 $ 11,173 $ 15,502 $ 9,583 $ 14,287 TDRs - Performing (carrying value, in thousands)* $ 15,001 $ 59,735 $ 8,797 $ 13,387 $ 7,420 $ 11,855 TDRs - Nonperforming (carrying value, in thousands)* $ 3,826 $ 10,784 $ 2,376 $ 2,115 $ 2,163 $ 2,432 We do not The Company modified 232,086, 65,125 and 60,908 accounts in the amount of $230.4 million, $70.0 million and $70.3 million during the twelve December 31, 2022, 2021 2020, twelve Twelve Months Ended December 31, 2022 December 31, 2021 December 31, 2020 Private label credit General purpose credit card Private label credit General purpose credit card Private label credit General purpose credit card Number of accounts 7,049 28,714 3,119 7,765 3,065 7,665 Loan balance at time of charge off (in thousands) $ 11,302 $ 22,679 $ 4,642 $ 6,455 $ 4,352 $ 6,745 Property at Cost, Net of Depreciation We capitalize costs related to internal development and implementation of software used in our operating activities in accordance with applicable accounting literature. These capitalized costs consist almost exclusively of fees paid to third We record our property at cost less accumulated depreciation or amortization. We compute depreciation expense using the straight-line method over the estimated useful lives of our assets, which are approximately 5 years for furniture, fixtures and equipment, and 3 years for computers and software. We amortize leasehold improvements over the shorter of their estimated useful lives or the terms of their respective underlying leases. We periodically review our property to determine if it is impaired. We incurred no impairment costs in 2022 2021 Prepaid Expenses and Other Assets Prepaid expenses and other assets include amounts paid to third third 1 2 3 Accounts Payable and Accrued Expenses Accounts payable and accrued expenses reflect both the billed and unbilled amounts owed at the end of a period for services rendered. 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 credit products, including the receivables underlying the private label and general purpose credit cards we service, 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. Other revenue Other revenue includes revenues associated with interchange revenues, servicing income and ancillary product offerings (primarily associated with a credit protection program offered by our issuing bank partner). We recognize these fees as income in the period earned. Other non-operating revenue Other non-operating revenue includes revenues associated with investments in equity method investees and other revenues not Revenue from Contracts with Customers The majority of our revenue is earned from financial instruments and is not No. 2014 09, None For the Year Ended December 31, 2022 CaaS Auto Finance Total Interchange revenues, net (1) $ 24,926 $ — $ 24,926 Servicing income 3,259 888 4,147 Service charges and other customer related fees 13,658 67 13,725 Total revenue from contracts with customers $ 41,843 $ 955 $ 42,798 1 For the Year Ended December 31, 2021 CaaS Auto Finance Total Interchange revenues, net (1) $ 18,134 $ — $ 18,134 Servicing income 1,871 1,224 3,095 Service charges and other customer related fees 9,317 60 9,377 Total revenue from contracts with customers $ 29,322 $ 1,284 $ 30,606 1 For the Year Ended December 31, 2020 CaaS Auto Finance Total Interchange revenues, net (1) $ 9,500 $ — $ 9,500 Servicing income 1,187 994 2,181 Service charges and other customer related fees 3,685 65 3,750 Total revenue from contracts with customers $ 14,372 $ 1,059 $ 15,431 ( 1 Card and Loan Servicing Expenses Card and loan servicing costs primarily include collections and customer service expenses. Within this category of expenses are personnel, service bureau, cardholder correspondence and other direct costs associated with our collections and customer service efforts. Card and loan servicing costs also include outsourced collections and customer service expenses. We expense card and loan servicing costs as we incur them, with the exception of prepaid costs, which we expense over respective service periods. Marketing and Solicitation Expenses We expense product solicitation costs, including printing, credit bureaus, list processing, telemarketing, postage, and internet marketing fees, as we incur these costs or expend resources. Loss on repurchase and redemption of convertible senior notes In periods where we repurchased or redeemed outstanding 5.875% convertible senior notes (“convertible senior notes”), we recorded any discount or premium paid for the repurchase or redemption (including accrued interest) relative to the amortized book value of the notes. For the year ended December 31, 2021, 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 not On March 31, 2022, 2022 02, 326 December 15, 2022. not

Note 3 - Segment Reporting

Note 3 - Segment Reporting	12 Months Ended
	Dec. 31, 2022
Notes to Financial Statements
Segment Reporting Disclosure [Text Block]	3. Segment Reporting We operate primarily within one two As of both December 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: Year Ended December 31, 2022 CaaS Auto Finance Total Revenue: Consumer loans, including past due fees $ 751,052 $ 35,183 $ 786,235 Fees and related income on earning assets 216,989 82 217,071 Other revenue 41,843 955 42,798 Other non-operating revenue 698 111 809 Total revenue 1,010,582 36,331 1,046,913 Interest expense (79,875 ) (1,976 ) (81,851 ) Provision for losses on loans, interest and fees receivable recorded at amortized cost — (1,252 ) (1,252 ) Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value (577,069 ) — (577,069 ) Net margin $ 353,638 $ 33,103 $ 386,741 Income before income taxes $ 146,577 $ 2,695 $ 149,272 Income tax expense $ (14,122 ) $ (538 ) $ (14,660 ) Total assets $ 2,295,092 $ 92,722 $ 2,387,814 Year Ended December 31, 2021 CaaS Auto Finance Total Revenue: Consumer loans, including past due fees $ 485,241 $ 33,542 $ 518,783 Fees and related income on earning assets 194,392 74 194,466 Other revenue 29,322 1,284 30,606 Other non-operating revenue 4,135 66 4,201 Total revenue 713,090 34,966 748,056 Interest expense (53,093 ) (1,034 ) (54,127 ) Provision for losses on loans, interest and fees receivable recorded at amortized cost (36,262 ) (193 ) (36,455 ) Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value (218,733 ) — (218,733 ) Net margin $ 405,002 $ 33,739 $ 438,741 Income before income taxes $ 208,926 $ 10,647 $ 219,573 Income tax expense $ (39,221 ) $ (2,563 ) $ (41,784 ) Total assets $ 1,859,950 $ 83,913 $ 1,943,863 Year Ended December 31, 2020 CaaS Auto Finance Total Revenue: Consumer loans, including past due fees $ 378,817 $ 31,799 $ 410,616 Fees and related income on earning assets 133,891 69 133,960 Other revenue 14,372 1,059 15,431 Other non-operating revenue 3,360 43 3,403 Total revenue 530,440 32,970 563,410 Interest expense (50,387 ) (1,161 ) (51,548 ) Provision for losses on loans, interest and fees receivable recorded at amortized cost (140,683 ) (2,036 ) (142,719 ) Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value (108,548 ) — (108,548 ) Net margin $ 230,822 $ 29,773 $ 260,595 Income before income taxes $ 105,429 $ 8,962 $ 114,391 Income tax expense $ (18,257 ) $ (2,217 ) $ (20,474 ) Total assets $ 1,124,618 $ 82,596 $ 1,207,214

Note 4 - Shareholders' Equity a

Note 4 - Shareholders' Equity and Preferred Stock	12 Months Ended
	Dec. 31, 2022
Notes to Financial Statements
Stockholders' Equity Note Disclosure [Text Block]	4. Shareholders’ Equity and Preferred Stock During the years ended December 31, 2022, 2021 2020, During 2021, November 2005 December 31, 2021 , In June July 2021, 7.625% During the year ending December 31, 2022, December 31, 2022, 15

Note 5 - Redeemable Preferred S

Note 5 - Redeemable Preferred Stock	12 Months Ended
	Dec. 31, 2022
Notes to Financial Statements
Preferred Stock [Text Block]	5. Redeemable Preferred Stock On November 26, 2014, December 27, 2019, no may, January 1, 2025 $100 January 1, 2024. $100 13, Dove is a limited liability company owned by three one two two On November 14, 2019, third not may, October 14, 2024. March 2020, 13,

Note 6 - Fair Values of Assets

Note 6 - Fair Values of Assets and Liabilities	12 Months Ended
	Dec. 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, discount rates, 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 • The net present value of cash flows associated with future fee billings on existing receivables are included in fair value; • Changes in the fair value of loans and notes impact net margins; and • Net charge-offs are recognized as they occur rather than through the establishment of an allowance and provision for losses for those loans, interest and fees receivable carried at amortized cost. For all of our other receivables, we have not Where applicable as noted above, we account for our financial assets and liabilities at fair value based upon a three 1 2 1 2 3 may Valuations and Techniques for Assets Our assessment of the significance of a particular input to the fair value measurement in its entirety requires judgment and considers factors specific to the asset or liability. The table below summarizes (in thousands) by fair value hierarchy the December 31, 2022 December 31, 2021 1 2 not Assets As of December 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 and which are carried at net amortized cost $ — $ — $ 94,968 $ 87,434 Loans, interest and fees receivable, at fair value $ — $ — $ 1,817,976 $ 1,817,976 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 and which are carried at net amortized cost $ — $ — $ 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 table, we assess the fair value of these assets based on our estimate of future cash flows net of servicing costs, and to the extent that such cash flow estimates change from period to period, any such changes are considered to be attributable to changes in instrument-specific credit risk. For Level 3 December 31, 2022 2021 2020 Loans, Interest and Fees Receivables, at Fair Value 2022 2021 2020 Balance at January 1, $ 1,026,424 $ 417,098 $ 4,386 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 (32,574 ) (110,283 ) (96,948 ) Principal charge-offs, net of recoveries, included in earnings (367,213 ) (78,463 ) (9,855 ) Finance and fees, included in earnings 874,749 366,307 103,983 Finance charge-offs, included in earnings (177,282 ) (30,794 ) (2,746 ) Purchases 2,466,676 1,626,062 713,579 Settlements (2,287,789 ) (1,163,503 ) (295,301 ) Balance at December 31, $ 1,817,976 $ 1,026,424 $ 417,098 The unrealized gains and losses for assets within the Level 3 Net Revaluation of Loans, Interest and Fees Receivable. third For Level 3 December 31, 2022, 2021 2020. Quantitative Information about Level 3 Fair Value Measurement Fair Value at December 31, 2022 (in thousands) Valuation Technique Unobservable Input Range (Weighted Average) Loans, interest and fees receivable, at fair value $ 1,817,976 Discounted cash flows Gross yield, net of finance charge charge-offs 24.7% to 36.1% (31.6%) Payment rate 5.0% to 11.4% (10.3%) Expected principal credit loss rate 9.2% to 30.3% (30.2%) Servicing rate 3.5% to 6.4% (3.6%) Discount rate 9.8% to 10.5% (10.1%) 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%) Quantitative Information about Level 3 Fair Value Measurement Fair Value Measurement Fair Value at December 31, 2020 (in thousands) Valuation Technique Unobservable Input Range (Weighted Average) Loans, interest and fees receivable, at fair value $ 417,098 Discounted cash flows Gross yield, net of finance charge charge-offs 22.7% to 56.5% (43.3%) Payment rate 3.9% to 11.4% (8.5%) Expected principal credit loss rate 6.9% to 31.4% (24.8%) Servicing rate 2.9% to 14.2% (4.3%) Discount rate 12.8% to 13.5% (13.3%) Valuations and Techniques for Liabilities Our assessment of the significance of a particular input to the fair value measurement in its entirety requires judgment and considers factors specific to the liability. The table below summarizes (in thousands) by fair value hierarchy the December 31, 2022 2021 1 2 not Liabilities As of December 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 $ — $ — $ 1,630,111 $ 1,630,111 Amortizing debt facilities $ — $ — $ 23,195 $ 23,195 Senior notes, net $ 125,640 $ — $ — $ 144,385 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 10, For our material Level 3 December 31, 2021 ( no December 31, 2022): Notes Payable Associated with Structured Financings, at Fair Value 2021 2020 Balance at January 1, $ 2,919 $ 3,920 Net revaluations of notes payable associated with structured financings, at fair value, included in earnings (807 ) (1,001 ) Repayments on outstanding notes payable, net (2,112 ) — Balance at December 31, $ — $ 2,919 The unrealized gains and losses for liabilities within the Level 3 3 Net Revaluation of Notes Payable Associated with Structured Financings, at Fair Value. not third Other Relevant Data Other relevant data (in thousands) as of December 31, 2022 December 31, 2021 As of December 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 $ 786 $ 2,119,340 Aggregate unpaid principal balance included within loans, interest and fees receivable that are reported at fair value $ 760 $ 1,910,090 Aggregate fair value of loans, interest and fees receivable that are reported at fair value $ 765 $ 1,817,211 Aggregate fair value of receivables carried at fair value that are 90 days or more past due (which also coincides with finance charge and fee non-accrual policies) $ 3 $ 8,362 Unpaid principal balance of receivables within loans, interest and fees receivable that are reported at fair value and are 90 days or more past due (which also coincides with finance charge and fee non-accrual policies) over the fair value of such loans, interest and fees receivable $ 4 $ 144,767 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 - Property

Note 7 - Property	12 Months Ended
	Dec. 31, 2022
Notes to Financial Statements
Property, Plant and Equipment Disclosure [Text Block]	7. Property Details (in thousands) of our property on our consolidated balance sheets are as follows: As of December 31, 2022 2021 Software $ 850 $ 1,695 Furniture and fixtures 2,872 3,540 Data processing and telephone equipment 502 692 Leasehold improvements 3,437 10,539 Other 6,910 6,909 Total cost 14,571 23,375 Less accumulated depreciation (4,558 ) (16,040 ) Property, net $ 10,013 $ 7,335 Depreciation expense totaled $2.2 million and $1.5 million for the years ended December 31, 2022 2021

Note 8 - Variable Interest Enti

Note 8 - Variable Interest Entities	12 Months Ended
	Dec. 31, 2022
Notes to Financial Statements
Variable Interest Entity Disclosure [Text Block]	8. Variable Interest Entities The Company contributes the vast majority of 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 and held a variable interest (in millions): As of December 31, 2022 December 31, 2021 Unrestricted cash and cash equivalents $ 202.2 $ 209.5 Restricted cash and cash equivalents 27.6 75.9 Loans, interest and fees receivable, at fair value 1,735.9 925.5 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 $ 1,965.7 $ 1,517.2 Notes Payable, net held by VIEs $ 1,586.0 $ 1,223.4 Maximum exposure to loss due to involvement with VIEs $ 1,756.0 $ 1,289.1

Note 9 - Leases

Note 9 - Leases	12 Months Ended
	Dec. 31, 2022
Notes to Financial Statements
Lessee, Operating Leases [Text Block]	9. 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 12 years, some of which include options, at our discretion, to extend the leases for additional periods generally on one For the Year Ended December 31, 2022 2021 2020 Operating lease cost, gross $ 4,431 $ 6,905 $ 6,879 Sublease income (2,165 ) (5,234 ) (5,133 ) Net Operating lease cost $ 2,266 $ 1,671 $ 1,746 Cash paid under operating leases, gross $ 4,053 $ 10,470 $ 10,278 Weighted average remaining lease term - months 133 Weighted average discount rate 6.5 % As of December 31, 2022 Gross Lease Payment Payments received from Sublease Net Lease Payment 2023 $ 1,662 $ (39 ) $ 1,623 2024 2,777 — 2,777 2025 2,629 — 2,629 2026 2,489 — 2,489 2027 2,466 — 2,466 Thereafter 17,338 — 17,338 Total lease payments 29,361 (39 ) 29,322 Less imputed interest (9,249 ) Total $ 20,112 In August 2021, third June 2022 third In addition, we occasionally lease certain equipment under cancelable and non-cancelable leases, which are accounted for as capital leases in our consolidated financial statements. As of December 31, 2022, no one

Note 10 - Notes Payable

Note 10 - Notes Payable	12 Months Ended
	Dec. 31, 2022
Notes to Financial Statements
Debt Disclosure [Text Block]	10. Notes Payable Notes Payable, at Face Value Other notes payable outstanding as of December 31, 2022 December 31, 2021 As of December 31, 2022 December 31, 2021 Revolving credit facilities at a weighted average interest rate equal to 5.1 1,856.2 1,391.6 Revolving credit facility, not to exceed $ 55.0 November 1, 2024 $ 44.1 $ 32.1 Revolving credit facility, not to exceed $ 50.0 October 30, 2024 50.0 48.7 Revolving credit facility, not to exceed $ 20.0 July 15, 2023 11.1 5.7 Revolving credit facility, not to exceed $ 100.0 March 15, 2024 — — Revolving credit facility, not to exceed $ 200.0 May 15, 2024 188.9 200.0 Revolving credit facility, not to exceed $ 25.0 April 21, 2023 24.6 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 $ 25.0 June 16, 2025 25.0 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 Revolving credit facility, not to exceed $ 250.0 May 15, 2030 250.0 — Revolving credit facility, not to exceed $ 100.0 August 5, 2024 — — Revolving credit facility, not to exceed $ 100.0 March 15, 2028 100.0 — Other facilities Other debt 5.8 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 1,666.9 1,289.0 Unamortized debt issuance costs and discounts (13.6 ) (10.1 ) Total notes payable outstanding, net $ 1,653.3 $ 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. See Note 8, ( 6 Creditors do not * As of December 31, 2022 In October 2015, December 31, 2022). October 30, 2024 In October 2016, December 31, 2022). October 2016, December 31, 2022, November 1, 2024. no January 2023, November 1, 2025. In 2018, December 31, 2022) March 15, 2024, December 31, 2022, In December 2017, December 31, 2022). April 21, 2023 In June 2019, December 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, December 31, 2022) June 16, 2025 In June 2021, May 15, 2026 December 15, 2026). four In September 2021, December 31, 2022) 18 March 2025. In November 2021, May 15, 2026). three In May 2022, December 31, 2022) May 15, 2030). five In August 2022, December 31, 2022) August 5, 2024. In September 2022, As of December 31, 2022, Senior Notes, net In November 2021, February 1, May 1, August 1 November 1 November 30, 2026. December 31, 2022 2021

Note 11 - Commitments and Conti

Note 11 - Commitments and Contingencies	12 Months Ended
	Dec. 31, 2022
Notes to Financial Statements
Commitments and Contingencies Disclosure [Text Block]	11. 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 $2.2 billion at December 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 December 31, 2022, Under agreements with third December 31, 2022 Under agreements with third December 31, 2022, Under the account terms, consumers have the option of enrolling in a credit protection program with our issuing bank partner which would make the minimum payments owed on their accounts for a period of up to six December 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 9, Litigation We are involved in various legal proceedings that are incidental to the conduct of our business. There are currently no first 2022

Note 12 - Income Taxes

Note 12 - Income Taxes	12 Months Ended
	Dec. 31, 2022
Notes to Financial Statements
Income Tax Disclosure [Text Block]	12. Income Taxes Deferred tax assets and liabilities reflect the effects of tax losses, credits, and the future income tax effects of temporary differences between the consolidated financial statement carrying amounts of existing assets and liabilities and their respective tax bases and are measured using enacted tax rates that apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The current and deferred portions (in thousands) of our federal, foreign, and state and other income tax expenses or benefits are as follows: For the Year Ended December 31, 2022 2021 2020 Federal income tax (expense) benefit: Current tax benefit (expense) $ 4,352 $ (34,910 ) $ 1,351 Deferred tax (expense) (16,623 ) (2,369 ) (21,752 ) Total federal income tax (expense) $ (12,271 ) $ (37,279 ) $ (20,401 ) Foreign income tax (expense) benefit: Current tax (expense) $ (183 ) $ (107 ) $ (143 ) Deferred tax benefit (expense) 3 1 (5 ) Total foreign income tax (expense) $ (180 ) $ (106 ) $ (148 ) State and other income tax benefit (expense): Current tax benefit (expense) $ 2,146 $ (4,910 ) $ (1,228 ) Deferred tax (expense) benefit (4,355 ) 511 1,303 Total state and other income tax (expense) benefit $ (2,209 ) $ (4,399 ) $ 75 Total income tax (expense) $ (14,660 ) $ (41,784 ) $ (20,474 ) We experienced an effective income tax expense rate of 9.8% and 19.0% for the years ended December 31, 2022, December 31, 2021, 1 2022 2021 2022 162 1986, 2 162 We report income tax-related interest and penalties (including those associated with both our accrued liabilities for uncertain tax positions and unpaid tax liabilities) within our income tax line item on our consolidated statements of income. We likewise report the reversal of income tax-related interest and penalties within such line item to the extent we resolve our liabilities for uncertain tax positions or unpaid tax liabilities in a manner favorable to our accruals therefor. For 2022 2021, The following table reconciles our effective income tax expense rate to the statutory rate for 2022 2021: For the Year Ended December 31, 2022 2021 2020 Statutory federal expense rate 21.0 % 21.0 % 21.0 % (Decrease) increase in statutory federal tax expense rate resulting from: Share-based compensation (10.5 ) (3.1 ) — Section 162(m) of the Code executive compensation deduction limitations 0.2 1.7 — Net interest and penalties related to uncertain tax positions and unpaid tax liabilities 0.1 — (0.6 ) Interest expense on preferred stock classified as debt for tax purposes (2.3 ) (1.6 ) (2.6 ) Foreign taxes, net of valuation allowance effects (0.2 ) (0.1 ) (0.2 ) State taxes, net of valuation allowance effects 1.4 1.6 (0.1 ) Prior year provision to return reconciling items, tax effects of non-controlling interests, and other (0.1 ) (0.6 ) 0.2 Global intangible low-taxed income tax 0.2 0.1 0.2 Effective tax expense rate 9.8 % 19.0 % 17.9 % As of December 31, 2022, December 31, 2021, As of December 31, 2022 2021 Deferred tax assets: Capitalized research and experimentation expenditures and fixed assets $ 1,445 $ — Provision for credit loss 1,716 14,647 Credit card and other loans receivable fair value election differences 70,966 48,730 Equity-based compensation 1,327 967 Accrued expenses 156 159 Accruals for state taxes and interest associated with unrecognized tax benefits and unpaid accrued tax liabilities 195 149 Federal net operating loss and capital loss carry-forwards 22,626 — Foreign net operating loss carry-forward 304 304 Other 1,056 506 State tax benefits, primarily from net operating losses 28,796 27,081 Deferred tax assets, gross $ 128,587 $ 92,543 Valuation allowances (20,699 ) (22,716 ) Deferred tax assets, net of valuation allowances $ 107,888 $ 69,827 Deferred tax (liabilities): Prepaid expenses and other $ (1,030 ) $ (513 ) Software development costs and fixed assets — (41 ) Equity in income of equity-method investee (792 ) (697 ) Market discount on acquired marked discount bonds (155,879 ) (94,958 ) Deferred costs (641 ) (590 ) Deferred tax (liabilities), gross $ (158,342 ) $ (96,799 ) Deferred tax (liabilities), net $ (50,454 ) $ (26,972 ) We undertook a detailed review of our deferred taxes and determined that a valuation allowance was required for certain deferred tax assets in state tax jurisdictions within the U.S. and in the U.K. We reduce our deferred tax assets by valuation allowances if it is more likely than not not not December 31, 2022, December 31, 2021, Certain of our deferred tax assets relate to federal, foreign, and state net operating losses, and we have no 2023. Our subsidiaries file federal, foreign, and/or state and other income tax returns. In the normal course of our business, we are subject to examination by taxing authorities throughout the world, including such major jurisdictions as the U.S., the U.K., and various U.S. states and territories. With a few exceptions of a non-material nature, we are no 2018. Reconciliations (in thousands) of our unrecognized tax benefits from the beginning to the end of 2022 2021, 2022 2021 2020 Balance at January 1, $ (605 ) $ (495 ) $ (445 ) Reductions based on tax positions related to prior years 79 23 — (Additions) based on tax positions related to prior years (11,965 ) (26 ) 32 (Additions) based on tax positions related to the current year (10,201 ) (107 ) (82 ) Balance at December 31, $ (22,692 ) $ (605 ) $ (495 ) Our unrecognized tax benefits that, if recognized, would affect the effective tax rate are not December 31, 2022, 2021 2020,

Note 13 - Net Income Attributab

Note 13 - Net Income Attributable to Controlling Interests Per Common Share	12 Months Ended
	Dec. 31, 2022
Notes to Financial Statements
Earnings Per Share [Text Block]	13. Net Income Attributable to Controlling Interests Per Common Share We compute net income attributable to controlling interests per common share by dividing net income attributable to controlling interests by the weighted-average number of shares of common stock (including participating securities) outstanding during the period, as discussed below. Diluted computations applicable in financial reporting periods in which we report income reflect the potential dilution to the basic income per share of common stock computations that could occur if securities or other contracts to issue common stock were exercised, were converted into common stock or were to result in the issuance of common stock that would share in our results of operations. In performing our net income attributable to controlling interests per share of common stock computations, we apply accounting rules that require us to include all unvested stock awards that contain non-forfeitable rights to dividends or dividend equivalents, whether paid or unpaid, in the number of shares outstanding in our basic and diluted calculations. Common stock and certain unvested share-based payment awards earn dividends equally, and we have included all outstanding restricted stock awards in our basic and diluted calculations for current and prior periods. The following table sets forth the computations of net income attributable to controlling interests per share of common stock (in thousands, except per share data): December 31, 2022 2021 2020 Numerator: Net income attributable to controlling interests $ 135,597 $ 177,902 $ 94,120 Preferred stock and preferred unit dividends and accretion (25,076 ) (22,363 ) (17,070 ) Net income attributable to common shareholders—basic 110,521 155,539 77,050 Effect of dilutive preferred stock dividends and accretion 2,400 2,400 2,400 Net income attributable to common shareholders—diluted $ 112,921 $ 157,939 $ 79,450 Denominator: Basic (including unvested share-based payment awards) (1) 14,629 15,074 14,486 Effect of dilutive stock compensation arrangements and exchange of preferred stock 4,747 5,824 5,616 Diluted (including unvested share-based payment awards) (1) 19,376 20,898 20,102 Net income attributable to common shareholders per share—basic $ 7.55 $ 10.32 $ 5.32 Net income attributable to common shareholders per share—diluted $ 5.83 $ 7.56 $ 3.95 ( 1 Shares related to unvested share-based payment awards included in our basic and diluted share counts were 137,046 for the year ended December 31, 2022 , December 31, 2021 . As their effects were anti-dilutive, we excluded stock options to purchase 0.1 million shares from our net income attributable to controlling interests per share of common stock calculations for the year ended December 31, 2022. December 31, 2021. December 31, 2020. For the years ended December 31, 2022, 2021 2020, 5, For the year ended December 31, 2021,

Note 14 - Stock-based Compensat

Note 14 - Stock-based Compensation	12 Months Ended
	Dec. 31, 2022
Notes to Financial Statements
Share-Based Payment Arrangement [Text Block]	14. Stock-Based Compensation We currently have two 2014 2014 2014 may 2014 May 2019. December 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 years ended December 31, 2022 2021. Restricted Stock and Restricted Stock Units During the years ended December 31, 2022, 2021 2020, December 31, 2022, 2021 2020, may December 31, 2022, No Stock Options The exercise price per share of the options awarded under the Fourth Amended 2014 may not December 31, 2022, 2021 2020, 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 (1,211,141 ) $ 3.08 Expired/Forfeited (4,665 ) $ 15.30 Outstanding at December 31, 2022 802,163 $ 12.23 1.6 $ 12,704,473 Exercisable at December 31, 2022 673,137 $ 8.71 1.2 $ 12,270,696 Information on stock options granted, exercised and vested is as follows (in thousands, except per share data): Year ended December 31, 2022 2021 Weighted average fair value per share of options granted N/A $ 24.00 Cash received from options exercised, net $ 3,731 $ 1,885 Aggregate intrinsic value of options exercised $ 74,296 $ 13,673 Grant date fair value of shares vested $ 1,802 $ 834 Options issued during the years ended December 31, 2021 2020 December 31, 2022. December 31, 2022 December 31, 2021, December 31, 2022.

Note 15 - ATM Program

Note 15 - ATM Program	12 Months Ended
	Dec. 31, 2022
Notes to Financial Statements
Stock Issuance Program [Text Block]	15. ATM Program On August 10, 2022, may 415 1933, For further information regarding the ATM Program, see Note 4,

Note 16 - Employee Benefit Plan

Note 16 - Employee Benefit Plans	12 Months Ended
	Dec. 31, 2022
Notes to Financial Statements
Compensation and Employee Benefit Plans, Other than Share-Based Compensation [Text Block]	16. Employee Benefit Plans We maintain a defined contribution retirement plan ( “401 401 December 31, 2022 2021 2020, Also, all employees, excluding executive officers, are eligible to participate in the ESPP. Under the ESPP, employees can elect to have up to 10% of their annual wages withheld to purchase our common stock up to a fair market value of $10,000. The amounts deducted and accumulated by each participant are used to purchase shares of common stock on or as promptly as practicable after the last business day of each month. The price of stock purchased under the ESPP is approximately 85% of the fair market value per share of our common stock on the purchase date. Employees contributed $107,995 to purchase 3,280 shares of common stock in 2022 2021 2020 2022 2021 2020

Note 17 - Related Party Transac

Note 17 - Related Party Transactions	12 Months Ended
	Dec. 31, 2022
Notes to Financial Statements
Related Party Transactions Disclosure [Text Block]	17. Related Party Transactions Under a shareholders’ agreement which we entered into with certain shareholders, including David G. Hanna, Frank J. Hanna, III and certain trusts that were Hanna affiliates, following our initial public offering ( 1 one third may 2 50% third may In June 2007, 2022, 2021 2020, January 1, 2023 May 2023 In January 2013, four December 31, 2022, 2021 2020, On November 26, 2014, December 27, 2019, three one two two 5 During 2022, 2022

Note 18 - Subsequent Events

Note 18 - Subsequent Events	12 Months Ended
	Dec. 31, 2022
Notes to Financial Statements
Subsequent Events [Text Block]	18. Subsequent Events We evaluate subsequent events that occur after our consolidated balance sheet date but before our consolidated financial statements are issued. There are two 1 2 not We have evaluated subsequent events occurring after December 31, 2022 , not We purchased 16,313 shares of common stock through February 28, 2023,

Significant Accounting Policies

Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 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.
Cash and Cash Equivalents, Unrestricted Cash and Cash Equivalents, Policy [Policy Text Block]	Unrestricted Cash and Cash Equivalents Unrestricted cash and cash equivalents consist of cash, money market investments and overnight deposits. We consider all highly liquid cash investments with low interest rate risk and original maturities of three $4.5
Cash and Cash Equivalents, Restricted Cash and Cash Equivalents, Policy [Policy Text Block]	Restricted Cash Restricted cash as of December 31, 2022 2021
Receivable [Policy Text Block]	Loans, Interest and Fees Receivable We maintain two 90 180 180 30 not We adopted Accounting Standards Update ("ASU") 2016 13, January 1, 2022. one Loans, Interest and Fees Receivable, at Fair Value. January 1, 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 December 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, loan discounts on the purchase of our auto finance receivables and annual fee billings for our general purpose credit card receivables. Our private label credit, general purpose credit card 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, annual fees and loan discounts. As of December 31, 2022 December 31, 2021, December 31, 2022 December 31, 2021. As a result of the COVID- 19 March 2020 March 2020, 19 19 may 19. 19 19 not December 31, 2022 19 Our CaaS segment consists of two For the Year Ended December 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 credit losses — (1.3 ) — (1.3 ) Charge-offs — 2.6 — 2.6 Recoveries — (1.3 ) — (1.3 ) Balance at end of period $ — $ (1.6 ) $ — $ (1.6 ) As of December 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 $ — $ 105.3 $ — $ 105.3 Loans, interest and fees receivable individually evaluated for impairment $ — $ — $ — $ — Loans, interest and fees receivable collectively evaluated for impairment $ — $ 105.3 $ — $ 105.3 For the Year Ended December 31, 2021 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at beginning of period $ (88.2 ) $ (1.7 ) $ (35.1 ) $ (125.0 ) Provision for credit losses (34.9 ) (0.2 ) (1.4 ) (36.5 ) Charge-offs 88.6 1.5 31.1 121.2 Recoveries (8.9 ) (1.0 ) (7.0 ) (16.9 ) Balance at end of period $ (43.4 ) $ (1.4 ) $ (12.4 ) $ (57.2 ) As of December 31, 2021 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at end of period individually evaluated for impairment $ — $ (0.1 ) $ — $ (0.1 ) Balance at end of period collectively evaluated for impairment $ (43.4 ) $ (1.3 ) $ (12.4 ) $ (57.1 ) Loans, interest and fees receivable: Loans, interest and fees receivable, gross $ 259.5 $ 94.6 $ 116.2 $ 470.3 Loans, interest and fees receivable individually evaluated for impairment $ — $ 0.4 $ — $ 0.4 Loans, interest and fees receivable collectively evaluated for impairment $ 259.5 $ 94.2 $ 116.2 $ 469.9 For the Year Ended December 31, 2020 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at beginning of period $ (121.3 ) $ (1.6 ) $ (63.4 ) $ (186.3 ) Provision for credit losses (112.1 ) (2.0 ) (28.6 ) (142.7 ) Charge-offs 155.1 3.0 72.1 230.2 Recoveries (9.9 ) (1.1 ) (15.2 ) (26.2 ) Balance at end of period $ (88.2 ) $ (1.7 ) $ (35.1 ) $ (125.0 ) As of December 31, 2020 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at end of period individually evaluated for impairment $ — $ (0.3 ) $ — $ (0.3 ) Balance at end of period collectively evaluated for impairment $ (88.2 ) $ (1.4 ) $ (35.1 ) $ (124.7 ) Loans, interest and fees receivable: Loans, interest and fees receivable, gross $ 364.2 $ 93.2 $ 210.2 $ 667.6 Loans, interest and fees receivable individually evaluated for impairment $ — $ 2.3 $ — $ 2.3 Loans, interest and fees receivable collectively evaluated for impairment $ 364.2 $ 90.9 $ 210.2 $ 665.3 Delinquent loans, interest and fees receivable reflect the principal, fee and interest components of loans we did not not Recoveries, noted above, consist of amounts received from the efforts of third third December 31, 2022, third third December 31, 2021, third third December 31, 2020, third third We consider loan delinquencies a key indicator of credit quality because this measure provides the best ongoing estimate of how a particular class of receivables is performing. An aging of our delinquent loans, interest and fees receivable, gross (in millions) by class of receivable is as follows: As of December 31, 2022 Credit Cards Auto Finance Other Unsecured Lending Products Total 30-59 days past due $ — $ 8.5 $ — $ 8.5 60-89 days past due — 3.0 — 3.0 90 or more days past due — 2.1 — 2.1 Delinquent loans, interest and fees receivable, gross — 13.6 — 13.6 Current loans, interest and fees receivable, gross — 91.7 — 91.7 Total loans, interest and fees receivable, gross $ — $ 105.3 $ — $ 105.3 Balance of loans greater than 90-days delinquent still accruing interest and fees $ — $ 1.7 $ — $ 1.7 As of December 31, 2021 Credit Cards Auto Finance Other Unsecured Lending Products Total 30-59 days past due $ 7.3 $ 7.0 $ 3.3 $ 17.6 60-89 days past due 6.9 2.5 2.6 12.0 90 or more days past due 17.9 1.8 6.8 26.5 Delinquent loans, interest and fees receivable, gross 32.1 11.3 12.7 56.1 Current loans, interest and fees receivable, gross 227.4 83.3 103.5 414.2 Total loans, interest and fees receivable, gross $ 259.5 $ 94.6 $ 116.2 $ 470.3 Balance of loans greater than 90-days delinquent still accruing interest and fees $ — $ 1.5 $ — $ 1.5 As of December 31, 2020 Credit Cards Auto Finance Other Unsecured Lending Products Total 30-59 days past due $ 12.4 $ 7.6 $ 5.1 $ 25.1 60-89 days past due 8.0 2.8 3.8 14.6 90 or more days past due 19.9 2.1 9.5 31.5 Delinquent loans, interest and fees receivable, gross 40.3 12.5 18.4 71.2 Current loans, interest and fees receivable, gross 323.9 80.7 191.8 596.4 Total loans, interest and fees receivable, gross $ 364.2 $ 93.2 $ 210.2 $ 667.6 Balance of loans greater than 90-days delinquent still accruing interest and fees $ — $ 1.5 $ — $ 1.5 Troubled Debt Restructurings As part of ongoing collection efforts, once an account, the receivable of which is included in our CaaS segment, becomes 90 may no one 19 six 19 30 not not not 19 The following table details by class of receivable, the number and amount of modified loans, including TDRs that have been re-aged: As of December 31, 2022 December 31, 2021 December 31, 2020 Private label credit General purpose credit card Private label credit General purpose credit card Private label credit General purpose credit card Number of TDRs 24,594 171,729 14,919 39,322 12,394 37,784 Number of TDRs that have been re-aged 2,499 28,598 812 2,035 2,788 7,846 Amount of TDRs on non-accrual status (in thousands) $ 31,350 $ 119,785 $ 17,152 $ 25,154 $ 14,537 $ 26,989 Amount of TDRs on non-accrual status above that have been re-aged (in thousands) $ 4,606 $ 24,440 $ 1,205 $ 1,553 $ 4,662 $ 6,890 Carrying value of TDRs (in thousands) $ 18,827 $ 70,519 $ 11,173 $ 15,502 $ 9,583 $ 14,287 TDRs - Performing (carrying value, in thousands)* $ 15,001 $ 59,735 $ 8,797 $ 13,387 $ 7,420 $ 11,855 TDRs - Nonperforming (carrying value, in thousands)* $ 3,826 $ 10,784 $ 2,376 $ 2,115 $ 2,163 $ 2,432 We do not The Company modified 232,086, 65,125 and 60,908 accounts in the amount of $230.4 million, $70.0 million and $70.3 million during the twelve December 31, 2022, 2021 2020, twelve Twelve Months Ended December 31, 2022 December 31, 2021 December 31, 2020 Private label credit General purpose credit card Private label credit General purpose credit card Private label credit General purpose credit card Number of accounts 7,049 28,714 3,119 7,765 3,065 7,665 Loan balance at time of charge off (in thousands) $ 11,302 $ 22,679 $ 4,642 $ 6,455 $ 4,352 $ 6,745
Property, Plant and Equipment, Policy [Policy Text Block]	Property at Cost, Net of Depreciation We capitalize costs related to internal development and implementation of software used in our operating activities in accordance with applicable accounting literature. These capitalized costs consist almost exclusively of fees paid to third We record our property at cost less accumulated depreciation or amortization. We compute depreciation expense using the straight-line method over the estimated useful lives of our assets, which are approximately 5 years for furniture, fixtures and equipment, and 3 years for computers and software. We amortize leasehold improvements over the shorter of their estimated useful lives or the terms of their respective underlying leases. We periodically review our property to determine if it is impaired. We incurred no impairment costs in 2022 2021
Prepaid Expenses and Other Assets [Policy Text Block]	Prepaid Expenses and Other Assets Prepaid expenses and other assets include amounts paid to third third 1 2 3
Accounts Payable and Accrued Expenses [Policy Text Block]	Accounts Payable and Accrued Expenses Accounts payable and accrued expenses reflect both the billed and unbilled amounts owed at the end of a period for services rendered.
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 credit products, including the receivables underlying the private label and general purpose credit cards we service, 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. Other revenue Other revenue includes revenues associated with interchange revenues, servicing income and ancillary product offerings (primarily associated with a credit protection program offered by our issuing bank partner). We recognize these fees as income in the period earned. Other non-operating revenue Other non-operating revenue includes revenues associated with investments in equity method investees and other revenues not Revenue from Contracts with Customers The majority of our revenue is earned from financial instruments and is not No. 2014 09, None For the Year Ended December 31, 2022 CaaS Auto Finance Total Interchange revenues, net (1) $ 24,926 $ — $ 24,926 Servicing income 3,259 888 4,147 Service charges and other customer related fees 13,658 67 13,725 Total revenue from contracts with customers $ 41,843 $ 955 $ 42,798 1 For the Year Ended December 31, 2021 CaaS Auto Finance Total Interchange revenues, net (1) $ 18,134 $ — $ 18,134 Servicing income 1,871 1,224 3,095 Service charges and other customer related fees 9,317 60 9,377 Total revenue from contracts with customers $ 29,322 $ 1,284 $ 30,606 1 For the Year Ended December 31, 2020 CaaS Auto Finance Total Interchange revenues, net (1) $ 9,500 $ — $ 9,500 Servicing income 1,187 994 2,181 Service charges and other customer related fees 3,685 65 3,750 Total revenue from contracts with customers $ 14,372 $ 1,059 $ 15,431 ( 1 Card and Loan Servicing Expenses Card and loan servicing costs primarily include collections and customer service expenses. Within this category of expenses are personnel, service bureau, cardholder correspondence and other direct costs associated with our collections and customer service efforts. Card and loan servicing costs also include outsourced collections and customer service expenses. We expense card and loan servicing costs as we incur them, with the exception of prepaid costs, which we expense over respective service periods.
Selling, General and Administrative Expenses, Policy [Policy Text Block]	Marketing and Solicitation Expenses We expense product solicitation costs, including printing, credit bureaus, list processing, telemarketing, postage, and internet marketing fees, as we incur these costs or expend resources.
Credit Loss, Financial Instrument [Policy Text Block]	Loss on repurchase and redemption of convertible senior notes In periods where we repurchased or redeemed outstanding 5.875% convertible senior notes (“convertible senior notes”), we recorded any discount or premium paid for the repurchase or redemption (including accrued interest) relative to the amortized book value of the notes. For the year ended December 31, 2021,
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 not On March 31, 2022, 2022 02, 326 December 15, 2022. not

Note 2 - Significant Accounti_2

Note 2 - Significant Accounting Policies and Consolidated Financial Statement Components (Tables)	12 Months Ended
	Dec. 31, 2022
Notes Tables
Financing Receivable, Current, Allowance for Credit Loss [Table Text Block]	For the Year Ended December 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 credit losses — (1.3 ) — (1.3 ) Charge-offs — 2.6 — 2.6 Recoveries — (1.3 ) — (1.3 ) Balance at end of period $ — $ (1.6 ) $ — $ (1.6 ) As of December 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 $ — $ 105.3 $ — $ 105.3 Loans, interest and fees receivable individually evaluated for impairment $ — $ — $ — $ — Loans, interest and fees receivable collectively evaluated for impairment $ — $ 105.3 $ — $ 105.3 For the Year Ended December 31, 2021 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at beginning of period $ (88.2 ) $ (1.7 ) $ (35.1 ) $ (125.0 ) Provision for credit losses (34.9 ) (0.2 ) (1.4 ) (36.5 ) Charge-offs 88.6 1.5 31.1 121.2 Recoveries (8.9 ) (1.0 ) (7.0 ) (16.9 ) Balance at end of period $ (43.4 ) $ (1.4 ) $ (12.4 ) $ (57.2 ) As of December 31, 2021 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at end of period individually evaluated for impairment $ — $ (0.1 ) $ — $ (0.1 ) Balance at end of period collectively evaluated for impairment $ (43.4 ) $ (1.3 ) $ (12.4 ) $ (57.1 ) Loans, interest and fees receivable: Loans, interest and fees receivable, gross $ 259.5 $ 94.6 $ 116.2 $ 470.3 Loans, interest and fees receivable individually evaluated for impairment $ — $ 0.4 $ — $ 0.4 Loans, interest and fees receivable collectively evaluated for impairment $ 259.5 $ 94.2 $ 116.2 $ 469.9 For the Year Ended December 31, 2020 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at beginning of period $ (121.3 ) $ (1.6 ) $ (63.4 ) $ (186.3 ) Provision for credit losses (112.1 ) (2.0 ) (28.6 ) (142.7 ) Charge-offs 155.1 3.0 72.1 230.2 Recoveries (9.9 ) (1.1 ) (15.2 ) (26.2 ) Balance at end of period $ (88.2 ) $ (1.7 ) $ (35.1 ) $ (125.0 ) As of December 31, 2020 Credit Cards Auto Finance Other Unsecured Lending Products Total Allowance for uncollectible loans, interest and fees receivable: Balance at end of period individually evaluated for impairment $ — $ (0.3 ) $ — $ (0.3 ) Balance at end of period collectively evaluated for impairment $ (88.2 ) $ (1.4 ) $ (35.1 ) $ (124.7 ) Loans, interest and fees receivable: Loans, interest and fees receivable, gross $ 364.2 $ 93.2 $ 210.2 $ 667.6 Loans, interest and fees receivable individually evaluated for impairment $ — $ 2.3 $ — $ 2.3 Loans, interest and fees receivable collectively evaluated for impairment $ 364.2 $ 90.9 $ 210.2 $ 665.3
Financing Receivable, Past Due [Table Text Block]	As of December 31, 2022 Credit Cards Auto Finance Other Unsecured Lending Products Total 30-59 days past due $ — $ 8.5 $ — $ 8.5 60-89 days past due — 3.0 — 3.0 90 or more days past due — 2.1 — 2.1 Delinquent loans, interest and fees receivable, gross — 13.6 — 13.6 Current loans, interest and fees receivable, gross — 91.7 — 91.7 Total loans, interest and fees receivable, gross $ — $ 105.3 $ — $ 105.3 Balance of loans greater than 90-days delinquent still accruing interest and fees $ — $ 1.7 $ — $ 1.7 As of December 31, 2021 Credit Cards Auto Finance Other Unsecured Lending Products Total 30-59 days past due $ 7.3 $ 7.0 $ 3.3 $ 17.6 60-89 days past due 6.9 2.5 2.6 12.0 90 or more days past due 17.9 1.8 6.8 26.5 Delinquent loans, interest and fees receivable, gross 32.1 11.3 12.7 56.1 Current loans, interest and fees receivable, gross 227.4 83.3 103.5 414.2 Total loans, interest and fees receivable, gross $ 259.5 $ 94.6 $ 116.2 $ 470.3 Balance of loans greater than 90-days delinquent still accruing interest and fees $ — $ 1.5 $ — $ 1.5 As of December 31, 2020 Credit Cards Auto Finance Other Unsecured Lending Products Total 30-59 days past due $ 12.4 $ 7.6 $ 5.1 $ 25.1 60-89 days past due 8.0 2.8 3.8 14.6 90 or more days past due 19.9 2.1 9.5 31.5 Delinquent loans, interest and fees receivable, gross 40.3 12.5 18.4 71.2 Current loans, interest and fees receivable, gross 323.9 80.7 191.8 596.4 Total loans, interest and fees receivable, gross $ 364.2 $ 93.2 $ 210.2 $ 667.6 Balance of loans greater than 90-days delinquent still accruing interest and fees $ — $ 1.5 $ — $ 1.5
Financing Receivable, Troubled Debt Restructuring [Table Text Block]	As of December 31, 2022 December 31, 2021 December 31, 2020 Private label credit General purpose credit card Private label credit General purpose credit card Private label credit General purpose credit card Number of TDRs 24,594 171,729 14,919 39,322 12,394 37,784 Number of TDRs that have been re-aged 2,499 28,598 812 2,035 2,788 7,846 Amount of TDRs on non-accrual status (in thousands) $ 31,350 $ 119,785 $ 17,152 $ 25,154 $ 14,537 $ 26,989 Amount of TDRs on non-accrual status above that have been re-aged (in thousands) $ 4,606 $ 24,440 $ 1,205 $ 1,553 $ 4,662 $ 6,890 Carrying value of TDRs (in thousands) $ 18,827 $ 70,519 $ 11,173 $ 15,502 $ 9,583 $ 14,287 TDRs - Performing (carrying value, in thousands)* $ 15,001 $ 59,735 $ 8,797 $ 13,387 $ 7,420 $ 11,855 TDRs - Nonperforming (carrying value, in thousands)* $ 3,826 $ 10,784 $ 2,376 $ 2,115 $ 2,163 $ 2,432 Twelve Months Ended December 31, 2022 December 31, 2021 December 31, 2020 Private label credit General purpose credit card Private label credit General purpose credit card Private label credit General purpose credit card Number of accounts 7,049 28,714 3,119 7,765 3,065 7,665 Loan balance at time of charge off (in thousands) $ 11,302 $ 22,679 $ 4,642 $ 6,455 $ 4,352 $ 6,745
Disaggregation of Revenue [Table Text Block]	For the Year Ended December 31, 2022 CaaS Auto Finance Total Interchange revenues, net (1) $ 24,926 $ — $ 24,926 Servicing income 3,259 888 4,147 Service charges and other customer related fees 13,658 67 13,725 Total revenue from contracts with customers $ 41,843 $ 955 $ 42,798 For the Year Ended December 31, 2021 CaaS Auto Finance Total Interchange revenues, net (1) $ 18,134 $ — $ 18,134 Servicing income 1,871 1,224 3,095 Service charges and other customer related fees 9,317 60 9,377 Total revenue from contracts with customers $ 29,322 $ 1,284 $ 30,606 For the Year Ended December 31, 2020 CaaS Auto Finance Total Interchange revenues, net (1) $ 9,500 $ — $ 9,500 Servicing income 1,187 994 2,181 Service charges and other customer related fees 3,685 65 3,750 Total revenue from contracts with customers $ 14,372 $ 1,059 $ 15,431

Note 3 - Segment Reporting (Tab

Note 3 - Segment Reporting (Tables)	12 Months Ended
	Dec. 31, 2022
Notes Tables
Schedule of Segment Reporting Information, by Segment [Table Text Block]	Year Ended December 31, 2022 CaaS Auto Finance Total Revenue: Consumer loans, including past due fees $ 751,052 $ 35,183 $ 786,235 Fees and related income on earning assets 216,989 82 217,071 Other revenue 41,843 955 42,798 Other non-operating revenue 698 111 809 Total revenue 1,010,582 36,331 1,046,913 Interest expense (79,875 ) (1,976 ) (81,851 ) Provision for losses on loans, interest and fees receivable recorded at amortized cost — (1,252 ) (1,252 ) Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value (577,069 ) — (577,069 ) Net margin $ 353,638 $ 33,103 $ 386,741 Income before income taxes $ 146,577 $ 2,695 $ 149,272 Income tax expense $ (14,122 ) $ (538 ) $ (14,660 ) Total assets $ 2,295,092 $ 92,722 $ 2,387,814 Year Ended December 31, 2021 CaaS Auto Finance Total Revenue: Consumer loans, including past due fees $ 485,241 $ 33,542 $ 518,783 Fees and related income on earning assets 194,392 74 194,466 Other revenue 29,322 1,284 30,606 Other non-operating revenue 4,135 66 4,201 Total revenue 713,090 34,966 748,056 Interest expense (53,093 ) (1,034 ) (54,127 ) Provision for losses on loans, interest and fees receivable recorded at amortized cost (36,262 ) (193 ) (36,455 ) Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value (218,733 ) — (218,733 ) Net margin $ 405,002 $ 33,739 $ 438,741 Income before income taxes $ 208,926 $ 10,647 $ 219,573 Income tax expense $ (39,221 ) $ (2,563 ) $ (41,784 ) Total assets $ 1,859,950 $ 83,913 $ 1,943,863 Year Ended December 31, 2020 CaaS Auto Finance Total Revenue: Consumer loans, including past due fees $ 378,817 $ 31,799 $ 410,616 Fees and related income on earning assets 133,891 69 133,960 Other revenue 14,372 1,059 15,431 Other non-operating revenue 3,360 43 3,403 Total revenue 530,440 32,970 563,410 Interest expense (50,387 ) (1,161 ) (51,548 ) Provision for losses on loans, interest and fees receivable recorded at amortized cost (140,683 ) (2,036 ) (142,719 ) Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value (108,548 ) — (108,548 ) Net margin $ 230,822 $ 29,773 $ 260,595 Income before income taxes $ 105,429 $ 8,962 $ 114,391 Income tax expense $ (18,257 ) $ (2,217 ) $ (20,474 ) Total assets $ 1,124,618 $ 82,596 $ 1,207,214

Note 6 - Fair Values of Asset_2

Note 6 - Fair Values of Assets and Liabilities (Tables)	12 Months Ended
	Dec. 31, 2022
Notes Tables
Fair Value, Assets Measured on Recurring Basis [Table Text Block]	Assets As of December 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 and which are carried at net amortized cost $ — $ — $ 94,968 $ 87,434 Loans, interest and fees receivable, at fair value $ — $ — $ 1,817,976 $ 1,817,976 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 and which are carried at net amortized cost $ — $ — $ 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 2020 Balance at January 1, $ 1,026,424 $ 417,098 $ 4,386 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 (32,574 ) (110,283 ) (96,948 ) Principal charge-offs, net of recoveries, included in earnings (367,213 ) (78,463 ) (9,855 ) Finance and fees, included in earnings 874,749 366,307 103,983 Finance charge-offs, included in earnings (177,282 ) (30,794 ) (2,746 ) Purchases 2,466,676 1,626,062 713,579 Settlements (2,287,789 ) (1,163,503 ) (295,301 ) Balance at December 31, $ 1,817,976 $ 1,026,424 $ 417,098
Fair Value Measurement Inputs and Valuation Techniques [Table Text Block]	Fair Value Measurement Fair Value at December 31, 2022 (in thousands) Valuation Technique Unobservable Input Range (Weighted Average) Loans, interest and fees receivable, at fair value $ 1,817,976 Discounted cash flows Gross yield, net of finance charge charge-offs 24.7% to 36.1% (31.6%) Payment rate 5.0% to 11.4% (10.3%) Expected principal credit loss rate 9.2% to 30.3% (30.2%) Servicing rate 3.5% to 6.4% (3.6%) Discount rate 9.8% to 10.5% (10.1%) 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%) Quantitative Information about Level 3 Fair Value Measurement Fair Value Measurement Fair Value at December 31, 2020 (in thousands) Valuation Technique Unobservable Input Range (Weighted Average) Loans, interest and fees receivable, at fair value $ 417,098 Discounted cash flows Gross yield, net of finance charge charge-offs 22.7% to 56.5% (43.3%) Payment rate 3.9% to 11.4% (8.5%) Expected principal credit loss rate 6.9% to 31.4% (24.8%) Servicing rate 2.9% to 14.2% (4.3%) Discount rate 12.8% to 13.5% (13.3%)
Fair Value, Liabilities Measured on Recurring Basis [Table Text Block]	Liabilities As of December 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 $ — $ — $ 1,630,111 $ 1,630,111 Amortizing debt facilities $ — $ — $ 23,195 $ 23,195 Senior notes, net $ 125,640 $ — $ — $ 144,385 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 2020 Balance at January 1, $ 2,919 $ 3,920 Net revaluations of notes payable associated with structured financings, at fair value, included in earnings (807 ) (1,001 ) Repayments on outstanding notes payable, net (2,112 ) — Balance at December 31, $ — $ 2,919
Fair Value Option, Disclosures [Table Text Block]	As of December 31, 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 $ 786 $ 2,119,340 Aggregate unpaid principal balance included within loans, interest and fees receivable that are reported at fair value $ 760 $ 1,910,090 Aggregate fair value of loans, interest and fees receivable that are reported at fair value $ 765 $ 1,817,211 Aggregate fair value of receivables carried at fair value that are 90 days or more past due (which also coincides with finance charge and fee non-accrual policies) $ 3 $ 8,362 Unpaid principal balance of receivables within loans, interest and fees receivable that are reported at fair value and are 90 days or more past due (which also coincides with finance charge and fee non-accrual policies) over the fair value of such loans, interest and fees receivable $ 4 $ 144,767 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 - Property (Tables)

Note 7 - Property (Tables)	12 Months Ended
	Dec. 31, 2022
Notes Tables
Property, Plant and Equipment [Table Text Block]	As of December 31, 2022 2021 Software $ 850 $ 1,695 Furniture and fixtures 2,872 3,540 Data processing and telephone equipment 502 692 Leasehold improvements 3,437 10,539 Other 6,910 6,909 Total cost 14,571 23,375 Less accumulated depreciation (4,558 ) (16,040 ) Property, net $ 10,013 $ 7,335

Note 8 - Variable Interest En_2

Note 8 - Variable Interest Entities (Tables)	12 Months Ended
	Dec. 31, 2022
Notes Tables
Schedule of Variable Interest Entities [Table Text Block]	As of December 31, 2022 December 31, 2021 Unrestricted cash and cash equivalents $ 202.2 $ 209.5 Restricted cash and cash equivalents 27.6 75.9 Loans, interest and fees receivable, at fair value 1,735.9 925.5 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 $ 1,965.7 $ 1,517.2 Notes Payable, net held by VIEs $ 1,586.0 $ 1,223.4 Maximum exposure to loss due to involvement with VIEs $ 1,756.0 $ 1,289.1

Note 9 - Leases (Tables)

Note 9 - Leases (Tables)	12 Months Ended
	Dec. 31, 2022
Notes Tables
Lease, Cost [Table Text Block]	For the Year Ended December 31, 2022 2021 2020 Operating lease cost, gross $ 4,431 $ 6,905 $ 6,879 Sublease income (2,165 ) (5,234 ) (5,133 ) Net Operating lease cost $ 2,266 $ 1,671 $ 1,746 Cash paid under operating leases, gross $ 4,053 $ 10,470 $ 10,278 Weighted average remaining lease term - months 133 Weighted average discount rate 6.5 %
Operating Lease, Liability and Payments to be Received, Maturity [Table Text Block]	Gross Lease Payment Payments received from Sublease Net Lease Payment 2023 $ 1,662 $ (39 ) $ 1,623 2024 2,777 — 2,777 2025 2,629 — 2,629 2026 2,489 — 2,489 2027 2,466 — 2,466 Thereafter 17,338 — 17,338 Total lease payments 29,361 (39 ) 29,322 Less imputed interest (9,249 ) Total $ 20,112

Note 10 - Notes Payable (Tables

Note 10 - Notes Payable (Tables)	12 Months Ended
	Dec. 31, 2022
Notes Tables
Schedule of Debt [Table Text Block]	As of December 31, 2022 December 31, 2021 Revolving credit facilities at a weighted average interest rate equal to 5.1 1,856.2 1,391.6 Revolving credit facility, not to exceed $ 55.0 November 1, 2024 $ 44.1 $ 32.1 Revolving credit facility, not to exceed $ 50.0 October 30, 2024 50.0 48.7 Revolving credit facility, not to exceed $ 20.0 July 15, 2023 11.1 5.7 Revolving credit facility, not to exceed $ 100.0 March 15, 2024 — — Revolving credit facility, not to exceed $ 200.0 May 15, 2024 188.9 200.0 Revolving credit facility, not to exceed $ 25.0 April 21, 2023 24.6 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 $ 25.0 June 16, 2025 25.0 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 Revolving credit facility, not to exceed $ 250.0 May 15, 2030 250.0 — Revolving credit facility, not to exceed $ 100.0 August 5, 2024 — — Revolving credit facility, not to exceed $ 100.0 March 15, 2028 100.0 — Other facilities Other debt 5.8 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 1,666.9 1,289.0 Unamortized debt issuance costs and discounts (13.6 ) (10.1 ) Total notes payable outstanding, net $ 1,653.3 $ 1,278.9

Note 12 - Income Taxes (Tables)

Note 12 - Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2022
Notes Tables
Schedule of Components of Income Tax Expense (Benefit) [Table Text Block]	For the Year Ended December 31, 2022 2021 2020 Federal income tax (expense) benefit: Current tax benefit (expense) $ 4,352 $ (34,910 ) $ 1,351 Deferred tax (expense) (16,623 ) (2,369 ) (21,752 ) Total federal income tax (expense) $ (12,271 ) $ (37,279 ) $ (20,401 ) Foreign income tax (expense) benefit: Current tax (expense) $ (183 ) $ (107 ) $ (143 ) Deferred tax benefit (expense) 3 1 (5 ) Total foreign income tax (expense) $ (180 ) $ (106 ) $ (148 ) State and other income tax benefit (expense): Current tax benefit (expense) $ 2,146 $ (4,910 ) $ (1,228 ) Deferred tax (expense) benefit (4,355 ) 511 1,303 Total state and other income tax (expense) benefit $ (2,209 ) $ (4,399 ) $ 75 Total income tax (expense) $ (14,660 ) $ (41,784 ) $ (20,474 )
Schedule of Effective Income Tax Rate Reconciliation [Table Text Block]	For the Year Ended December 31, 2022 2021 2020 Statutory federal expense rate 21.0 % 21.0 % 21.0 % (Decrease) increase in statutory federal tax expense rate resulting from: Share-based compensation (10.5 ) (3.1 ) — Section 162(m) of the Code executive compensation deduction limitations 0.2 1.7 — Net interest and penalties related to uncertain tax positions and unpaid tax liabilities 0.1 — (0.6 ) Interest expense on preferred stock classified as debt for tax purposes (2.3 ) (1.6 ) (2.6 ) Foreign taxes, net of valuation allowance effects (0.2 ) (0.1 ) (0.2 ) State taxes, net of valuation allowance effects 1.4 1.6 (0.1 ) Prior year provision to return reconciling items, tax effects of non-controlling interests, and other (0.1 ) (0.6 ) 0.2 Global intangible low-taxed income tax 0.2 0.1 0.2 Effective tax expense rate 9.8 % 19.0 % 17.9 %
Schedule of Deferred Tax Assets and Liabilities [Table Text Block]	As of December 31, 2022 2021 Deferred tax assets: Capitalized research and experimentation expenditures and fixed assets $ 1,445 $ — Provision for credit loss 1,716 14,647 Credit card and other loans receivable fair value election differences 70,966 48,730 Equity-based compensation 1,327 967 Accrued expenses 156 159 Accruals for state taxes and interest associated with unrecognized tax benefits and unpaid accrued tax liabilities 195 149 Federal net operating loss and capital loss carry-forwards 22,626 — Foreign net operating loss carry-forward 304 304 Other 1,056 506 State tax benefits, primarily from net operating losses 28,796 27,081 Deferred tax assets, gross $ 128,587 $ 92,543 Valuation allowances (20,699 ) (22,716 ) Deferred tax assets, net of valuation allowances $ 107,888 $ 69,827 Deferred tax (liabilities): Prepaid expenses and other $ (1,030 ) $ (513 ) Software development costs and fixed assets — (41 ) Equity in income of equity-method investee (792 ) (697 ) Market discount on acquired marked discount bonds (155,879 ) (94,958 ) Deferred costs (641 ) (590 ) Deferred tax (liabilities), gross $ (158,342 ) $ (96,799 ) Deferred tax (liabilities), net $ (50,454 ) $ (26,972 )
Summary of Positions for which Significant Change in Unrecognized Tax Benefits is Reasonably Possible [Table Text Block]	2022 2021 2020 Balance at January 1, $ (605 ) $ (495 ) $ (445 ) Reductions based on tax positions related to prior years 79 23 — (Additions) based on tax positions related to prior years (11,965 ) (26 ) 32 (Additions) based on tax positions related to the current year (10,201 ) (107 ) (82 ) Balance at December 31, $ (22,692 ) $ (605 ) $ (495 )

Note 13 - Net Income Attribut_2

Note 13 - Net Income Attributable to Controlling Interests Per Common Share (Tables)	12 Months Ended
	Dec. 31, 2022
Notes Tables
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]	December 31, 2022 2021 2020 Numerator: Net income attributable to controlling interests $ 135,597 $ 177,902 $ 94,120 Preferred stock and preferred unit dividends and accretion (25,076 ) (22,363 ) (17,070 ) Net income attributable to common shareholders—basic 110,521 155,539 77,050 Effect of dilutive preferred stock dividends and accretion 2,400 2,400 2,400 Net income attributable to common shareholders—diluted $ 112,921 $ 157,939 $ 79,450 Denominator: Basic (including unvested share-based payment awards) (1) 14,629 15,074 14,486 Effect of dilutive stock compensation arrangements and exchange of preferred stock 4,747 5,824 5,616 Diluted (including unvested share-based payment awards) (1) 19,376 20,898 20,102 Net income attributable to common shareholders per share—basic $ 7.55 $ 10.32 $ 5.32 Net income attributable to common shareholders per share—diluted $ 5.83 $ 7.56 $ 3.95

Note 14 - Stock-based Compens_2

Note 14 - Stock-based Compensation (Tables)	12 Months Ended
	Dec. 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 (1,211,141 ) $ 3.08 Expired/Forfeited (4,665 ) $ 15.30 Outstanding at December 31, 2022 802,163 $ 12.23 1.6 $ 12,704,473 Exercisable at December 31, 2022 673,137 $ 8.71 1.2 $ 12,270,696
Schedule of Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Grants in Period, Grant Date Intrinsic Value [Table Text Block]	Year ended December 31, 2022 2021 Weighted average fair value per share of options granted N/A $ 24.00 Cash received from options exercised, net $ 3,731 $ 1,885 Aggregate intrinsic value of options exercised $ 74,296 $ 13,673 Grant date fair value of shares vested $ 1,802 $ 834

Note 2 - Significant Accounti_3

Note 2 - Significant Accounting Policies and Consolidated Financial Statement Components (Details Textual) $ in Thousands	12 Months Ended
	Dec. 31, 2022 USD ($)	Dec. 31, 2021 USD ($)	Dec. 31, 2020 USD ($)	Jan. 01, 2022 USD ($)
Retained Earnings (Accumulated Deficit), Total	$ 204,415	$ 60,236
Payments to Acquire Loans and Leases Held-for-investment, Total	214,700	194,800
Loans and Leases Receivable, Deferred Income	$ 16,190	$ 29,281
Weighted Average Remaining Accretion Period of Deferred Revenue (Month)	27 months	15 months
Unamortized Loan Commitment and Origination Fees and Unamortized Discounts or Premiums	$ 16,200	$ 20,400
Financing Receivable, Allowance for Credit Loss, Recovery	$ 1,300	$ 16,900	$ 26,200
Financing Receivable, Modifications, Number of Contracts	232,086	65,125	60,908
Financing Receivable, Troubled Debt Restructuring	$ 230,400	$ 70,000	$ 70,300
Asset Impairment Charges, Total	0	0
Gain (Loss) on Extinguishment of Debt, Total	0	(29,439)	0
Loans Receivable, Fair Value Disclosure	1,817,976	1,026,424
Loans and Leases Receivable, Gross	105,267	470,293	667,600
Loans and Leases Receivable, Allowance	1,643	57,201
Accounts Payable and Accrued Liabilities, Total	$ 44,332	$ 42,287
Five Point Eight Seven Five Percent Convertible Senior Notes Due Two Thousand Thirty Five [Member] | Convertible Debt [Member]
Debt Instrument, Interest Rate, Stated Percentage		5.875%
Extinguishment of Debt, Amount		$ 33,800
Repayments of Convertible Debt		54,300
Gain (Loss) on Extinguishment of Debt, Total		(29,400)
Furniture and Fixtures [Member]
Property, Plant and Equipment, Useful Life (Year)	5 years
Computer Equipment [Member]
Property, Plant and Equipment, Useful Life (Year)	3 years
Receivables Recoveries from Employed Third-Party Collectors ][Member]
Financing Receivable, Allowance for Credit Loss, Recovery	$ 1,300	8,700	12,400
Receivable Recoveries from Sales of Charged-Off Accounts to Third-Parties [Member]
Financing Receivable, Allowance for Credit Loss, Recovery	$ 0	$ 8,200	$ 13,800
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	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Balance at beginning of period	$ (57,200)	$ (125,000)	$ (186,300)
Provision for credit losses	(1,252)	(36,455)	(142,719)
Charge-offs	2,600	121,200	230,200
Recoveries	(1,300)	(16,900)	(26,200)
Balance at end of period	(1,600)	(57,200)	(125,000)
Balance at end of period individually evaluated for impairment	0	(100)	(300)
Balance at end of period collectively evaluated for impairment	(1,600)	(57,100)	(124,700)
Loans, interest and fees receivable, gross	105,267	470,293	667,600
Loans, interest and fees receivable individually evaluated for impairment	0	400	2,300
Loans, interest and fees receivable collectively evaluated for impairment	105,300	469,900	665,300
Cumulative Effect, Period of Adoption, Adjustment [Member] | Adoption of Fair Value Under the CECL Standard [Member]
Balance at beginning of period	55,800
Balance at end of period		55,800
Cumulative Effect, Period of Adoption, Adjustment [Member] | Adoption of the CECL Standard [Member]
Balance at beginning of period	(200)
Balance at end of period		(200)
Credit Card Receivable [Member]
Balance at beginning of period	(43,400)	(88,200)	(121,300)
Provision for credit losses	0	(34,900)	(112,100)
Charge-offs	0	88,600	155,100
Recoveries	0	(8,900)	(9,900)
Balance at end of period	0	(43,400)	(88,200)
Balance at end of period individually evaluated for impairment	0	0	0
Balance at end of period collectively evaluated for impairment	0	(43,400)	(88,200)
Loans, interest and fees receivable, gross	0	259,500	364,200
Loans, interest and fees receivable individually evaluated for impairment	0	0	0
Loans, interest and fees receivable collectively evaluated for impairment	0	259,500	364,200
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
Balance at end 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
Balance at end of period		0
Automobile Loan [Member]
Balance at beginning of period	(1,400)	(1,700)	(1,600)
Provision for credit losses	(1,300)	(200)	(2,000)
Charge-offs	2,600	1,500	3,000
Recoveries	(1,300)	(1,000)	(1,100)
Balance at end of period	(1,600)	(1,400)	(1,700)
Balance at end of period individually evaluated for impairment	0	(100)	(300)
Balance at end of period collectively evaluated for impairment	(1,600)	(1,300)	(1,400)
Loans, interest and fees receivable, gross	105,300	94,600	93,200
Loans, interest and fees receivable individually evaluated for impairment	0	400	2,300
Loans, interest and fees receivable collectively evaluated for impairment	105,300	94,200	90,900
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
Balance at end 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)
Balance at end of period		(200)
Other Unsecured Lending Products [Member]
Balance at beginning of period	(12,400)	(35,100)	(63,400)
Provision for credit losses	0	(1,400)	(28,600)
Charge-offs	0	31,100	72,100
Recoveries	0	(7,000)	(15,200)
Balance at end of period	0	(12,400)	(35,100)
Balance at end of period individually evaluated for impairment	0	0	0
Balance at end of period collectively evaluated for impairment	0	(12,400)	(35,100)
Loans, interest and fees receivable, gross	0	116,200	210,200
Loans, interest and fees receivable individually evaluated for impairment	0	0	0
Loans, interest and fees receivable collectively evaluated for impairment	0	116,200	$ 210,200
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
Balance at end 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
Balance at end 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	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Total loans, interest and fees receivable, gross	$ 105,267	$ 470,293	$ 667,600
Balance of loans greater than 90-days delinquent still accruing interest and fees	1,700	1,500	1,500
Credit Card Receivable [Member]
Total loans, interest and fees receivable, gross	0	259,500	364,200
Balance of loans greater than 90-days delinquent still accruing interest and fees	0	0	0
Automobile Loan [Member]
Total loans, interest and fees receivable, gross	105,300	94,600	93,200
Balance of loans greater than 90-days delinquent still accruing interest and fees	1,700	1,500	1,500
Other Unsecured Lending Products [Member]
Total loans, interest and fees receivable, gross	0	116,200	210,200
Balance of loans greater than 90-days delinquent still accruing interest and fees	0	0	0
Financial Asset, 30 to 59 Days Past Due [Member]
Total loans, interest and fees receivable, gross	8,500	17,600	25,100
Financial Asset, 30 to 59 Days Past Due [Member] | Credit Card Receivable [Member]
Total loans, interest and fees receivable, gross	0	7,300	12,400
Financial Asset, 30 to 59 Days Past Due [Member] | Automobile Loan [Member]
Total loans, interest and fees receivable, gross	8,500	7,000	7,600
Financial Asset, 30 to 59 Days Past Due [Member] | Other Unsecured Lending Products [Member]
Total loans, interest and fees receivable, gross	0	3,300	5,100
Financial Asset, 60 to 89 Days Past Due [Member]
Total loans, interest and fees receivable, gross	3,000	12,000	14,600
Financial Asset, 60 to 89 Days Past Due [Member] | Credit Card Receivable [Member]
Total loans, interest and fees receivable, gross	0	6,900	8,000
Financial Asset, 60 to 89 Days Past Due [Member] | Automobile Loan [Member]
Total loans, interest and fees receivable, gross	3,000	2,500	2,800
Financial Asset, 60 to 89 Days Past Due [Member] | Other Unsecured Lending Products [Member]
Total loans, interest and fees receivable, gross	0	2,600	3,800
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Total loans, interest and fees receivable, gross	2,100	26,500	31,500
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Credit Card Receivable [Member]
Total loans, interest and fees receivable, gross	0	17,900	19,900
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Automobile Loan [Member]
Total loans, interest and fees receivable, gross	2,100	1,800	2,100
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Other Unsecured Lending Products [Member]
Total loans, interest and fees receivable, gross	0	6,800	9,500
Financial Asset, Past Due [Member]
Total loans, interest and fees receivable, gross	13,600	56,100	71,200
Financial Asset, Past Due [Member] | Credit Card Receivable [Member]
Total loans, interest and fees receivable, gross	0	32,100	40,300
Financial Asset, Past Due [Member] | Automobile Loan [Member]
Total loans, interest and fees receivable, gross	13,600	11,300	12,500
Financial Asset, Past Due [Member] | Other Unsecured Lending Products [Member]
Total loans, interest and fees receivable, gross	0	12,700	18,400
Financial Asset, Not Past Due [Member]
Total loans, interest and fees receivable, gross	91,700	414,200	596,400
Financial Asset, Not Past Due [Member] | Credit Card Receivable [Member]
Total loans, interest and fees receivable, gross	0	227,400	323,900
Financial Asset, Not Past Due [Member] | Automobile Loan [Member]
Total loans, interest and fees receivable, gross	91,700	83,300	80,700
Financial Asset, Not Past Due [Member] | Other Unsecured Lending Products [Member]
Total loans, interest and fees receivable, gross	$ 0	$ 103,500	$ 191,800

Note 2 - Significant Accounti_6

Note 2 - Significant Accounting Policies and Consolidated Financial Statement Components - Summary of Troubled Debt Restructurings (Details) $ in Thousands		12 Months Ended
		Dec. 31, 2022 USD ($)	Dec. 31, 2021 USD ($)	Dec. 31, 2020 USD ($)
Amount of TDRs on non-accrual status (in thousands)		$ 230,400	$ 70,000	$ 70,300
Point-of-Sale [Member]
Number of TDRs		24,594	14,919	12,394
Amount of TDRs on non-accrual status (in thousands)		$ 31,350	$ 17,152	$ 14,537
Carrying value of TDRs (in thousands)		$ 18,827	$ 11,173	$ 9,583
Number of accounts		7,049	3,119	3,065
Loan balance at time of charge off (in thousands)		$ 11,302	$ 4,642	$ 4,352
Point-of-Sale [Member] | Performing Financial Instruments [Member]
Carrying value of TDRs (in thousands)	[1]	15,001	8,797	7,420
Point-of-Sale [Member] | Nonperforming Financial Instruments [Member]
Carrying value of TDRs (in thousands)	[1]	$ 3,826	$ 2,376	$ 2,163
Point-of-Sale [Member] | Extended Maturity [Member]
Number of TDRs		2,499	812	2,788
Amount of TDRs on non-accrual status (in thousands)		$ 4,606	$ 1,205	$ 4,662
Direct-to-Consumer [Member]
Number of TDRs		171,729	39,322	37,784
Amount of TDRs on non-accrual status (in thousands)		$ 119,785	$ 25,154	$ 26,989
Carrying value of TDRs (in thousands)		$ 70,519	$ 15,502	$ 14,287
Number of accounts		28,714	7,765	7,665
Loan balance at time of charge off (in thousands)		$ 22,679	$ 6,455	$ 6,745
Direct-to-Consumer [Member] | Performing Financial Instruments [Member]
Carrying value of TDRs (in thousands)	[1]	59,735	13,387	11,855
Direct-to-Consumer [Member] | Nonperforming Financial Instruments [Member]
Carrying value of TDRs (in thousands)	[1]	$ 10,784	$ 2,115	$ 2,432
Direct-to-Consumer [Member] | Extended Maturity [Member]
Number of TDRs		28,598	2,035	7,846
Amount of TDRs on non-accrual status (in thousands)		$ 24,440	$ 1,553	$ 6,890
[1]TDRs - Performing” include accounts that are current on all amounts owed, while “TDRs - Nonperforming” include all accounts with past due amounts owed

Note 2 - Significant Accounti_7

Note 2 - Significant Accounting Policies and Consolidated Financial Statement Components - Components of Revenue from Contracts with Customers (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Revenue from contracts with customers		$ 42,798	$ 30,606	$ 15,431
Credit and Debit Card [Member]
Revenue from contracts with customers	[1]	24,926	18,134	9,500
Servicing Income [Member]
Revenue from contracts with customers		4,147	3,095	2,181
Service Charges and Other Customer Related Fees [Member]
Revenue from contracts with customers		13,725	9,377	3,750
Credit and Other Investments [Member]
Revenue from contracts with customers		41,843	29,322	14,372
Credit and Other Investments [Member] | Credit and Debit Card [Member]
Revenue from contracts with customers	[1]	24,926	18,134	9,500
Credit and Other Investments [Member] | Servicing Income [Member]
Revenue from contracts with customers		3,259	1,871	1,187
Credit and Other Investments [Member] | Service Charges and Other Customer Related Fees [Member]
Revenue from contracts with customers		13,658	9,317	3,685
Auto Finance [Member]
Revenue from contracts with customers		955	1,284	1,059
Auto Finance [Member] | Credit and Debit Card [Member]
Revenue from contracts with customers	[1]	0	0	0
Auto Finance [Member] | Servicing Income [Member]
Revenue from contracts with customers		888	1,224	994
Auto Finance [Member] | Service Charges and Other Customer Related Fees [Member]
Revenue from contracts with customers		$ 67	$ 60	$ 65
[1]Interchange revenue is presented net of customer reward expense.

Note 3 - Segment Reporting (Det

Note 3 - Segment Reporting (Details Textual)	12 Months Ended
	Dec. 31, 2022
Number of Reportable Segments	2

Note 3 - Segment Reporting - Su

Note 3 - Segment Reporting - Summary of Operating Segment Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Consumer loans, including past due fees	$ 786,235	$ 518,783	$ 410,616
Fees and related income on earning assets	217,071	194,466	133,960
Other revenue	42,798	30,606	15,431
Other non-operating revenue	809	4,201	3,403
Total revenue	1,046,913	748,056	563,410
Interest expense	(81,851)	(54,127)	(51,548)
Provision for losses on loans, interest and fees receivable recorded at amortized cost	(1,252)	(36,455)	(142,719)
Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value	(577,069)	(218,733)	(108,548)
Net margin	386,741	438,741	260,595
Income before income taxes	149,272	219,573	114,391
Income tax expense	(14,660)	(41,784)	(20,474)
Assets, Total	2,387,814	1,943,863	1,207,214
Credit and Other Investments [Member]
Consumer loans, including past due fees	751,052	485,241	378,817
Fees and related income on earning assets	216,989	194,392	133,891
Other revenue	41,843	29,322	14,372
Other non-operating revenue	698	4,135	3,360
Total revenue	1,010,582	713,090	530,440
Interest expense	(79,875)	(53,093)	(50,387)
Provision for losses on loans, interest and fees receivable recorded at amortized cost	0	(36,262)	(140,683)
Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value	(577,069)	(218,733)	(108,548)
Net margin	353,638	405,002	230,822
Income before income taxes	146,577	208,926	105,429
Income tax expense	(14,122)	(39,221)	(18,257)
Assets, Total	2,295,092	1,859,950	1,124,618
Auto Finance [Member]
Consumer loans, including past due fees	35,183	33,542	31,799
Fees and related income on earning assets	82	74	69
Other revenue	955	1,284	1,059
Other non-operating revenue	111	66	43
Total revenue	36,331	34,966	32,970
Interest expense	(1,976)	(1,034)	(1,161)
Provision for losses on loans, interest and fees receivable recorded at amortized cost	(1,252)	(193)	(2,036)
Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value	0	0	0
Net margin	33,103	33,739	29,773
Income before income taxes	2,695	10,647	8,962
Income tax expense	(538)	(2,563)	(2,217)
Assets, Total	$ 92,722	$ 83,913	$ 82,596

Note 4 - Shareholders' Equity_2

Note 4 - Shareholders' Equity and Preferred Stock (Details Textual) - USD ($)	2 Months Ended	12 Months Ended
	Jul. 31, 2021	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Stock Repurchased and Retired During Period, Shares (in shares)		1,674,161	434,381	245,534
Stock Repurchased and Retired During Period, Value		$ 88,939,000	$ 25,219,000	$ 3,353,000
Own-share Lending Arrangement, Shares, Outstanding (in shares)			1,459,233
Series B Preferred Stock [Member]
Stock Repurchased and Retired During Period, Shares (in shares)		3,500
Stock Repurchased and Retired During Period, Value		$ 69,000
Series B Preferred Stock [Member] | Public Offering [Member]
Stock Issued During Period, Shares, New Issues (in shares)	3,188,533	19,607
Preferred Stock, Dividend Rate, Percentage	7.625%
Preferred Stock, Liquidation Preference Per Share (in dollars per share)	$ 25
Proceeds from Issuance of Preferred Stock and Preference Stock	$ 76,500,000	$ 400,000
Preferred Stock, Dividends Per Share, Declared (in dollars per share)	$ 1.90625

Note 5 - Redeemable Preferred_2

Note 5 - Redeemable Preferred Stock (Details Textual) - USD ($) $ / shares in Units, $ in Millions		1 Months Ended
	Dec. 27, 2019	Mar. 31, 2020	Dec. 31, 2022	Dec. 31, 2021	Nov. 14, 2019	Nov. 26, 2014
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%
Preferred Units Issued, Maximum Percentage Points of Preferred Return in Form of Issuance of Additional Units or Cash					6%
Additional Preferred Units Issued (in shares)		50,000,000
Series A Preferred Stock [Member]
Temporary Equity, Shares Issued (in shares)	400,000		400,000	400,000
Temporary Equity, Liquidation Preference	$ 40		$ 40	$ 40
Preferred Stock, Dividend Rate, Percentage	6%
Temporary Equity, Redemption Price Per Share (in dollars per share)	$ 100
Temporary Equity, Conversion Price Per Share (in dollars per share)	$ 10
Dove Ventures, LLC [Member] | Senior Secured Term Loan Facility [Member]
Line of Credit Facility, Maximum Borrowing Capacity						$ 40
Extinguishment of Debt, Amount	$ 40

Note 6 - Fair Values of Asset_3

Note 6 - Fair Values of Assets and Liabilities - Summary of Fair Value Hierarchy for Assets (Details) - USD ($) $ in Thousands		Dec. 31, 2022	Dec. 31, 2021
Loans, interest and fees receivable, at fair value		$ 1,817,976	$ 1,026,424
Fair Value, Recurring [Member]
Loans, interest and fees receivable, net for which it is practicable to estimate fair value and which are carried at net amortized cost	[1]	87,434	383,811
Loans, interest and fees receivable, at fair value	[1]	1,817,976	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 and which are carried at net amortized cost	[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 and which are carried at net amortized cost	[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 and which are carried at net amortized cost	[1]	94,968	402,380
Loans, interest and fees receivable, at fair value	[1]	$ 1,817,976	$ 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	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Balance	$ 1,026,424	$ 417,098	$ 4,386
Net revaluations of loans, interest and fees receivable, at fair value, included in earnings	(32,574)	(110,283)	(96,948)
Principal charge-offs, net of recoveries, included in earnings	(367,213)	(78,463)	(9,855)
Finance and fees, included in earnings	874,749	366,307	103,983
Finance charge-offs, included in earnings	(177,282)	(30,794)	(2,746)
Purchases	2,466,676	1,626,062	713,579
Settlements	(2,287,789)	(1,163,503)	(295,301)
Balance	1,817,976	1,026,424	417,098
Cumulative Effect, Period of Adoption, Adjustment [Member]
Balance	$ 314,985	0	0
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)	Dec. 31, 2022 USD ($)	Dec. 31, 2021 USD ($)	Dec. 31, 2020 USD ($)
Loans, interest and fees receivable, at fair value	$ 1,817,976,000	$ 1,026,424,000
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Gross Yield [Member]
Loans, interest and fees receivable, at fair value	$ 1,817,976,000	$ 1,026,424	$ 417,098
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Gross Yield [Member] | Minimum [Member]
Loans and fees receivable, measurement input	0.247	0.278	0.227
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Gross Yield [Member] | Maximum [Member]
Loans and fees receivable, measurement input	0.361	0.469	0.565
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Gross Yield [Member] | Weighted Average [Member]
Loans and fees receivable, measurement input	0.316	0.409	0.433
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Constant Prepayment Rate [Member] | Minimum [Member]
Loans and fees receivable, measurement input	0.053	0.054	0.039
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Constant Prepayment Rate [Member] | Maximum [Member]
Loans and fees receivable, measurement input	0.114	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	0.103	0.106	0.085
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Default Rate [Member] | Minimum [Member]
Loans and fees receivable, measurement input	0.092	0.078	0.069
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Default Rate [Member] | Maximum [Member]
Loans and fees receivable, measurement input	0.303	0.264	0.314
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Default Rate [Member] | Weighted Average [Member]
Loans and fees receivable, measurement input	0.302	0.235	0.248
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Servicing Rate [Member] | Minimum [Member]
Loans and fees receivable, measurement input	0.035	0.034	0.029
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Servicing Rate [Member] | Maximum [Member]
Loans and fees receivable, measurement input	0.064	0.057	0.142
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Servicing Rate [Member] | Weighted Average [Member]
Loans and fees receivable, measurement input	0.036	0.046	0.043
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Discount Rate [Member] | Minimum [Member]
Loans and fees receivable, measurement input	0.098	0.123	0.128
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Discount Rate [Member] | Maximum [Member]
Loans and fees receivable, measurement input	0.105	0.135	0.135
Valuation Technique, Discounted Cash Flow [Member] | Measurement Input, Discount Rate [Member] | Weighted Average [Member]
Loans and fees receivable, measurement input	0.101	0.129	0.133

Note 6 - Fair Values of Asset_6

Note 6 - Fair Values of Assets and Liabilities - Summary of Fair Value Hierarchy for Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Revolving credit facilities	$ 1,630,111	$ 1,255,518
Amortizing debt facilities	23,195	23,346
Senior notes, net	144,385	142,951
Senior notes, net	144,385	142,951
Fair Value, Inputs, Level 1 [Member]
Revolving credit facilities	0	0
Amortizing debt facilities	0	0
Senior notes, net	125,640	153,000
Senior notes, net	125,640	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	1,630,111	1,255,518
Amortizing debt facilities	23,195	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) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Balance	$ 2,919	$ 3,920
Net revaluations of notes payable associated with structured financings, at fair value, included in earnings	(807)	(1,001)
Repayments on outstanding notes payable, net	(2,112)	0
Balance	$ 0	$ 2,919

Note 6 - Fair Values of Asset_8

Note 6 - Fair Values of Assets and Liabilities - Summary of Other Relevant Data (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Loans, interest and fees receivable, at fair value	$ 1,817,976	$ 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	786	1,249
Aggregate unpaid principal balance included within loans, interest and fees receivable that are reported at fair value	760	1,204
Loans, interest and fees receivable, at fair value	765	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)	3	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	4	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	2,119,340	1,234,039
Aggregate unpaid principal balance included within loans, interest and fees receivable that are reported at fair value	1,910,090	1,131,895
Loans, interest and fees receivable, at fair value	1,817,211	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)	8,362	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	$ 144,767	$ 59,656

Note 7 - Property (Details Text

Note 7 - Property (Details Textual) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Depreciation, Total	$ 2.2	$ 1.5

Note 7 - Property - Schedule of

Note 7 - Property - Schedule of Property (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Property, plant and equipment	$ 14,571	$ 23,375
Less accumulated depreciation	(4,558)	(16,040)
Property, net	10,013	7,335
Software and Software Development Costs [Member]
Property, plant and equipment	850	1,695
Furniture and Fixtures [Member]
Property, plant and equipment	2,872	3,540
Data Processing and Telephone Equipment [Member]
Property, plant and equipment	502	692
Leasehold Improvements [Member]
Property, plant and equipment	3,437	10,539
Other Capitalized Property Plant and Equipment [Member]
Property, plant and equipment	$ 6,910	$ 6,909

Note 8 - Variable Interest En_3

Note 8 - Variable Interest Entities - Summary of Variable Interest Entities (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Unrestricted cash and cash equivalents	$ 384,984	$ 409,660
Restricted cash and cash equivalents	48,208	96,968
Loans, interest and fees receivable, at fair value	1,817,976	1,026,424
Total loans, interest and fees receivable, gross	105,267	470,293	$ 667,600
Allowances for uncollectible loans, interest and fees receivable	(1,643)	(57,201)
Deferred revenue	(16,190)	(29,281)
Total Assets held by VIEs	2,387,814	1,943,863	$ 1,207,214
Notes Payable, net held by VIEs	1,653,306	1,278,864
Maximum exposure to loss due to involvement with VIEs	1,756,000	1,289,100
Variable Interest Entity, Primary Beneficiary [Member]
Unrestricted cash and cash equivalents	202,200	209,500
Restricted cash and cash equivalents	27,600	75,900
Loans, interest and fees receivable, at fair value	1,735,900	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	1,965,700	1,517,200
Notes Payable, net held by VIEs	$ 1,586,000	$ 1,223,400

Note 9 - Leases (Details Textua

Note 9 - Leases (Details Textual) $ in Millions	12 Months Ended
	Dec. 31, 2022	Aug. 31, 2021 USD ($) 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)	12 years

Note 9 - Leases - Lease Cost (D

Note 9 - Leases - Lease Cost (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Operating lease cost, gross	$ 4,431	$ 6,905	$ 6,879
Sublease income	(2,165)	(5,234)	(5,133)
Net Operating lease cost	2,266	1,671	1,746
Cash paid under operating leases, gross	$ 4,053	$ 10,470	$ 10,278
Weighted average remaining lease term - months (Month)	133 months
Weighted average discount rate	6.50%

Note 9 - Leases - Maturities of

Note 9 - Leases - Maturities of Lease Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
2023, gross	$ 1,662
2023, payments received from sublease	(39)
2023, net lease payment	1,623
2024, gross	2,777
2024, payments received from sublease	0
2024, net lease payment	2,777
2025, gross	2,629
2025, payments received from sublease	0
2025, net lease payment	2,629
2026, gross	2,489
2026, payments received from sublease	0
2026, net lease payment	2,489
2027, gross	2,466
2027, payments received from sublease	0
2027, net lease payment	2,466
Thereafter, gross	17,338
Thereafter, payments received from sublease	0
Thereafter, net lease payment	17,338
Gross, gross	29,361
Sublease income, payments received from sublease	(39)
Lease payments, net lease payment	29,322
Less imputed interest, gross	(9,249)
Total, net	$ 20,112	$ 4,842

Note 10 - Notes Payable (Detail

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

1 Months Ended

3 Months Ended

12 Months Ended

Sep. 30, 2022

Aug. 31, 2022

May 31, 2022

Nov. 30, 2021

Sep. 30, 2021

Jun. 30, 2021

Oct. 31, 2020

Jul. 31, 2020

Nov. 30, 2019

Mar. 31, 2022

Dec. 31, 2022

Dec. 31, 2021

Jan. 31, 2023

Jan. 31, 2021

Aug. 31, 2019

Jun. 30, 2019

Dec. 31, 2018

Dec. 31, 2017

Oct. 31, 2015

Long-Term Line of Credit, Total

$ 1,630,111

$ 1,255,518

Proceeds from Issuance of Long-term Debt, Total

$ 100,000

$ 300,000

$ 300,000

$ 250,000

$ 100,000

$ 200,000

Asset Backed Securities, Term of Revolving Structure (Year)

3 years

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

18 months

Asset Backed Securities, Weighted Average Interest Rate

7.30%

3.53%

4.24%

4.10%

5.47%

4.91%

Term Facility [Member]

Line of Credit Facility, Maximum Borrowing Capacity

$ 25,000

Long-Term Line of Credit, Total

25,000

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%

Senior Notes [Member]

Debt Instrument, Interest Rate, Stated Percentage

6.125%

Debt Instrument, Face Amount

$ 150,000

Amortization of Debt Issuance Costs

$ 1,400

$ 100

Minimum [Member]

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

11 months

12 months

Minimum [Member] | Term Facility [Member]

Debt Instrument, Interest Rate, Stated Percentage

4%

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

$ 50,000

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

Line of Credit Facility, Maximum Borrowing Capacity

55,000

Long-Term Line of Credit, Total

44,100

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

Line of Credit Facility, Maximum Borrowing Capacity

$ 65,000

Additional Trust Funding Notes Facilities [Member]

Line of Credit Facility, Maximum Borrowing Capacity

100,000

$ 100,000

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

24,600

June 2019 Revolving Credit Facility [Member]

Line of Credit Facility, Maximum Borrowing Capacity

$ 20,000

Long-Term Line of Credit, Total

11,100

May 2022 Revolving Credit Facility [Member]

Line of Credit Facility, Maximum Borrowing Capacity

$ 250,000

Long-Term Line of Credit, Total

250,000

Asset Backed Securities, Term of Revolving Structure (Year)

5 years

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

18 months

Asset Backed Securities, Weighted Average Interest Rate

6.33%

August 2022 Revolving Credit Facility [Member]

Line of Credit Facility, Maximum Borrowing Capacity

$ 100,000

Long-Term Line of Credit, Total

$ 0

London Interbank Offered Rate (LIBOR) [Member]

Debt Instrument, Variable Rate

4.39%

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

Debt Instrument, Basis Spread on Variable Rate

3%

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%

Prime Rate [Member]

Debt Instrument, Variable Rate

7.50%

Secured Overnight Financing Rate (SOFR) Overnight Index Swap Rate [Member]

Debt Instrument, Variable Rate

4.30%

Secured Overnight Financing Rate (SOFR) Overnight Index Swap Rate [Member] | Additional Trust Funding Notes Facilities [Member]

Debt Instrument, Basis Spread on Variable Rate

3.10%

Secured Overnight Financing Rate (SOFR) Overnight Index Swap Rate [Member] | December 2017 Revolving Credit Facility [Member]

Debt Instrument, Basis Spread on Variable Rate

3.60%

Secured Overnight Financing Rate (SOFR) Overnight Index Swap Rate [Member] | August 2022 Revolving Credit Facility [Member]

Debt Instrument, Basis Spread on Variable Rate

1.80%

Note 10 - Notes Payable - Sched

Note 10 - Notes Payable - Schedule of Notes Payable at Face Value and Notes Payable to Related Parties (Details) - USD ($) $ in Thousands		Dec. 31, 2022	Dec. 31, 2021
Revolving credit facilities		$ 1,630,111	$ 1,255,518
Amortizing debt facilities		23,195	23,346
Total notes payable before unamortized debt issuance costs and discounts	[1]	1,666,900	1,289,000
Unamortized debt issuance costs and discounts	[1]	(13,600)	(10,100)
Total notes payable outstanding, net	[1]	1,653,300	1,278,900
Other Secured Debt [Member]
Amortizing debt facilities	[1]	5,800	5,900
Phoenix [Member]
Unsecured term debt (expiring August 26, 2024) with a weighted average interest rate equal to 8.0% (3)	[1],[2]	17,400	17,400
Revolving Credit Facility Expiring November 1, 2024 [Member]
Revolving credit facilities	[1],[2],[3],[4],[5]	44,100	32,100
Revolving Credit Facility Expiring October 30, 2023 [Member]
Revolving credit facilities	[1],[2],[4],[5],[6]	50,000	48,700
Revolving Credit Facility Expiring July 15, 2023 [Member]
Revolving credit facilities	[1],[2],[4],[5],[6]	11,100	5,700
Revolving Credit Facility Expiring March 15, 2024 [Member]
Revolving credit facilities	[1],[2],[4],[5],[6],[7]	0	0
Revolving Credit Facility Expiring May 15, 2024 [Member]
Revolving credit facilities	[1],[2],[4],[5],[6],[7]	188,900	200,000
Revolving Credit Facility Expiring April 21, 2023 [Member]
Revolving credit facilities	[1],[2],[4],[5],[6]	24,600	19,200
Revolving Credit Facility Expiring January 15, 2025 [Member]
Revolving credit facilities	[1],[2],[4],[5],[6],[7]	100,000	100,000
Revolving Credit Facility Expiring October 15, 2025 [Member]
Revolving credit facilities	[1],[2],[4],[5],[6],[7]	250,000	250,000
Revolving Credit Facility Expiring June 16, 2025 [Member]
Revolving credit facilities	[1],[2],[4],[5],[6]	25,000	10,000
Revolving Credit Facility Expiring December 15, 2026 [Member]
Revolving credit facilities	[1],[2],[4],[5],[6],[7]	300,000	300,000
Revolving Credit Facility Expiring March 15, 2025 [Member]
Revolving credit facilities	[1],[2],[4],[5],[6],[7]	0	0
Revolving Credit Facility Expiring May 15, 2026 [Member]
Revolving credit facilities	[1],[2],[4],[5],[6],[7]	300,000	300,000
Revolving Credit Facility Expiring May 15, 2030 [Member]
Revolving credit facilities	[1],[2],[4],[5],[6],[7]	250,000	0
Revolving Credit Facility Expiring August 25, 2024 [Member]
Revolving credit facilities	[1],[2],[4],[5],[6],[7]	0	0
Revolving Credit Facility Expiring March 15, 2028 [Member]
Revolving credit facilities	[1],[2],[4],[5],[6],[7]	$ 100,000	$ 0
[1]As of December 31, 2022, the LIBOR rate was 4.39% and the Prime Rate was 7.50%.[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]Loans are subject to certain affirmative covenants tied to default rates and other performance metrics the failure of which could result in required early repayment of the remaining unamortized balances of the notes.[5]These notes reflect modifications to either extend the maturity date, increase the loan amount or both, and are treated as accounting modifications.[6]Loans are associated with VIEs. See Note 8, "Variable Interest Entities" for more information.[7]Creditors do not have recourse against the general assets of the Company but only to the collateral within the VIEs.

Note 10 - Notes Payable - Sch_2

Note 10 - Notes Payable - Schedule of Notes Payable at Face Value and Notes Payable to Related Parties (Details) (Parentheticals) - USD ($) $ in Millions		12 Months Ended
		Dec. 31, 2022	Dec. 31, 2021	Oct. 31, 2015
Phoenix [Member]
Interest rate	[1],[2]	8%	8%
Debt maturity	[1],[2]	Aug. 26, 2024	Aug. 26, 2024
Revolving Credit Facility Expiring November 1, 2024 [Member]
Revolving credit facility, maximum borrowing capacity	[1],[2],[3],[4],[5]	$ 55	$ 55
Revolving credit facility, expiration date	[1],[2],[3],[4],[5]	Nov. 01, 2024	Nov. 01, 2024
Revolving Credit Facility [Member]
Revolving credit facility, maximum borrowing capacity				$ 50
Amount of securing assets	[1],[2],[3],[4],[5]	$ 1,856.2	$ 1,391.6
Interest rate	[1],[2],[3],[4],[5]	5.10%	4.30%
Revolving Credit Facility Expiring October 30, 2023 [Member]
Revolving credit facility, maximum borrowing capacity	[1],[2],[4],[5],[6]	$ 50	$ 50
Revolving credit facility, expiration date	[1],[2],[4],[5],[6]	Oct. 30, 2024	Oct. 30, 2024
Revolving Credit Facility Expiring July 15, 2023 [Member]
Revolving credit facility, maximum borrowing capacity	[1],[2],[4],[5],[6]	$ 20	$ 20
Revolving credit facility, expiration date	[1],[2],[4],[5],[6]	Jul. 15, 2023	Jul. 15, 2023
Revolving Credit Facility Expiring March 15, 2024 [Member]
Revolving credit facility, maximum borrowing capacity	[1],[2],[4],[5],[6],[7]	$ 100	$ 100
Revolving credit facility, expiration date	[1],[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	[1],[2],[4],[5],[6],[7]	$ 200	$ 200
Revolving credit facility, expiration date	[1],[2],[4],[5],[6],[7]	May 15, 2024	May 15, 2024
Revolving Credit Facility Expiring April 21, 2023 [Member]
Revolving credit facility, maximum borrowing capacity	[1],[2],[4],[5],[6]	$ 25	$ 25
Revolving credit facility, expiration date	[1],[2],[4],[5],[6]	Apr. 21, 2023	Apr. 21, 2023
Revolving Credit Facility Expiring January 15, 2025 [Member]
Revolving credit facility, maximum borrowing capacity	[1],[2],[4],[5],[6],[7]	$ 100	$ 100
Revolving credit facility, expiration date	[1],[2],[4],[5],[6],[7]	Jan. 15, 2025	Jan. 15, 2025
Revolving Credit Facility Expiring October 15, 2025 [Member]
Revolving credit facility, maximum borrowing capacity	[1],[2],[4],[5],[6],[7]	$ 250	$ 250
Revolving credit facility, expiration date	[1],[2],[4],[5],[6],[7]	Oct. 15, 2025	Oct. 15, 2025
Revolving Credit Facility Expiring June 16, 2025 [Member]
Revolving credit facility, maximum borrowing capacity	[1],[2],[4],[5],[6]	$ 25	$ 25
Revolving credit facility, expiration date	[1],[2],[4],[5],[6]	Jun. 16, 2025	Jun. 16, 2025
Revolving Credit Facility Expiring December 15, 2026 [Member]
Revolving credit facility, maximum borrowing capacity	[1],[2],[4],[5],[6],[7]	$ 300	$ 300
Revolving credit facility, expiration date	[1],[2],[4],[5],[6],[7]	Dec. 15, 2026	Dec. 15, 2026
Revolving Credit Facility Expiring March 15, 2025 [Member]
Revolving credit facility, maximum borrowing capacity	[1],[2],[4],[5],[6],[7]	$ 75	$ 75
Revolving credit facility, expiration date	[1],[2],[4],[5],[6],[7]	Mar. 15, 2025	Mar. 15, 2025
Revolving Credit Facility Expiring May 15, 2026 [Member]
Revolving credit facility, maximum borrowing capacity	[1],[2],[4],[5],[6],[7]	$ 300	$ 300
Revolving credit facility, expiration date	[1],[2],[4],[5],[6],[7]	May 15, 2026	May 15, 2026
Revolving Credit Facility Expiring May 15, 2030 [Member]
Revolving credit facility, maximum borrowing capacity	[1],[2],[4],[5],[6],[7]	$ 250	$ 250
Revolving credit facility, expiration date	[1],[2],[4],[5],[6],[7]	May 15, 2030	May 15, 2030
Revolving Credit Facility Expiring August 25, 2024 [Member]
Revolving credit facility, maximum borrowing capacity	[1],[2],[4],[5],[6],[7]	$ 100	$ 100
Revolving credit facility, expiration date	[1],[2],[4],[5],[6],[7]	Aug. 05, 2024	Aug. 05, 2024
Revolving Credit Facility Expiring March 15, 2028 [Member]
Revolving credit facility, maximum borrowing capacity	[1],[2],[4],[5],[6],[7]	$ 100	$ 100
Revolving credit facility, expiration date	[1],[2],[4],[5],[6],[7]	Mar. 15, 2028	Mar. 15, 2028
[1]As of December 31, 2022, the LIBOR rate was 4.39% and the Prime Rate was 7.50%.[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]Loans are subject to certain affirmative covenants tied to default rates and other performance metrics the failure of which could result in required early repayment of the remaining unamortized balances of the notes.[5]These notes reflect modifications to either extend the maturity date, increase the loan amount or both, and are treated as accounting modifications.[6]Loans are associated with VIEs. See Note 8, "Variable Interest Entities" for more information.[7]Creditors do not have recourse against the general assets of the Company but only to the collateral within the VIEs.

Note 11 - Commitments and Con_2

Note 11 - Commitments and Contingencies (Details Textual) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Assets, Total		$ 2,387,814	$ 1,943,863	$ 1,207,214
Auto Finance [Member]
Assets, Total		92,722	$ 83,913	$ 82,596
Litigation Settlement, Expense	$ 8,500
Asset Pledged as Collateral [Member] | Contractual Obligations [Member]
Assets, Total		20,600
Unfunded Individual Credit Commitment [Member]
Other Commitment, Total		2,200,000
Unfunded Outstanding Floor-Plan Financing Commitment [Member]
Other Commitment, Total		11,400
Credit Protection Program [Member]
Loss Contingency, Estimate of Possible Loss		$ 69,400

Note 12 - Income Taxes (Details

Note 12 - Income Taxes (Details Textual) - USD ($)	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Effective Income Tax Rate Reconciliation, Percent, Total	9.80%	19%	17.90%
Deferred Tax Assets, Valuation Allowance	$ 20,699,000	$ 22,716,000
Deferred Tax Assets, Operating Loss Carryforwards, Domestic	22,600
Deferred Tax Assets, Operating Loss Carryforwards, State and Local	$ 28,600,000
Open Tax Year	2018 2019 2020 2021 2022
Unrecognized Tax Benefits that Would Impact Effective Tax Rate	$ 900,000	$ 700,000	$ 600,000
Domestic Tax Authority [Member]
Deferred Tax Assets, Operating Loss Carryforwards, Not Subject to Expiration	$ 104,000,000

Note 12 - Income Taxes - Schedu

Note 12 - Income Taxes - Schedule of Components of Income Tax Expense (Benefit) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Current tax benefit, federal	$ 4,352	$ (34,910)	$ 1,351
Deferred tax (expense), federal	(16,623)	(2,369)	(21,752)
Total federal income tax (expense)	(12,271)	(37,279)	(20,401)
Current tax (expense)	(183)	(107)	(143)
Deferred tax benefit (expense)	3	1	(5)
Total foreign income tax (expense)	(180)	(106)	(148)
Current tax benefit (expense)	2,146	(4,910)	(1,228)
Deferred tax (expense) benefit	(4,355)	511	1,303
Total state and other income tax (expense) benefit	(2,209)	(4,399)	75
Total income tax (expense)	$ (14,660)	$ (41,784)	$ (20,474)

Note 12 - Income Taxes - Sche_2

Note 12 - Income Taxes - Schedule of Effective Income Tax Rate Reconciliation (Details)	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Statutory federal expense rate	21%	21%	21%
Share-based compensation	(10.50%)	(3.10%)	0%
Section 162(m) of the Code executive compensation deduction limitations	0.20%	1.70%	0%
Net interest and penalties related to uncertain tax positions and unpaid tax liabilities	0.10%	0%	(0.60%)
Interest expense on preferred stock classified as debt for tax purposes	(2.30%)	(1.60%)	(2.60%)
Foreign taxes, net of valuation allowance effects	(0.20%)	(0.10%)	(0.20%)
State taxes, net of valuation allowance effects	1.40%	1.60%	(0.10%)
Prior year provision to return reconciling items, tax effects of non-controlling interests, and other	(0.10%)	(0.60%)	0.20%
Global intangible low-taxed income tax	0.20%	0.10%	0.20%
Effective tax expense rate	9.80%	19%	17.90%

Note 12 - Income Taxes - Sche_3

Note 12 - Income Taxes - Schedule of Deferred Tax Assets and Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Capitalized research and experimentation expenditures and fixed assets	$ 1,445	$ 0
Provision for credit loss	1,716	14,647
Credit card and other loans receivable fair value election differences	70,966	48,730
Equity-based compensation	1,327	967
Accrued expenses	156	159
Accruals for state taxes and interest associated with unrecognized tax benefits and unpaid accrued tax liabilities	195	149
Federal net operating loss and capital loss carry-forwards	22,626	0
Foreign net operating loss carry-forward	304	304
Other	1,056	506
State tax benefits, primarily from net operating losses	28,796	27,081
Deferred tax assets, gross	128,587	92,543
Valuation allowances	(20,699)	(22,716)
Deferred tax assets, net of valuation allowances	107,888	69,827
Prepaid expenses and other	(1,030)	(513)
Software development costs and fixed assets	0	(41)
Equity in income of equity-method investee	(792)	(697)
Market discount on acquired marked discount bonds	(155,879)	(94,958)
Deferred costs	(641)	(590)
Deferred tax (liabilities), gross	(158,342)	(96,799)
Deferred tax (liabilities), net	$ (50,454)	$ (26,972)

Note 12 - Income Taxes - Unreco

Note 12 - Income Taxes - Unrecognized Tax Benefits Rollforward (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Balance	$ (605)	$ (495)	$ (445)
Reductions based on tax positions related to prior years	79	23	0
(Additions) based on tax positions related to prior years	(11,965)	(26)	32
(Additions) based on tax positions related to the current year	(10,201)	(107)	(82)
Balance	$ (22,692)	$ (605)	$ (495)

Note 13 - Net Income Attribut_3

Note 13 - Net Income Attributable to Controlling Interests Per Common Share (Details Textual) - shares	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Weighted Average Number of Shares, Unvested Share-based Payment Awards, Basic (in shares)	137,046	312,792
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount (in shares)	100,000	0	100,000
Five Point Eight Seven Five Percent Convertible Senior Notes Due Two Thousand Thirty Five [Member]
Incremental Common Shares Attributable to Dilutive Effect of Conversion of Debt Securities (in shares)		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	3,800,000

Note 13 - Net Income Attribut_4

Note 13 - Net Income Attributable to Controlling Interests Per Common Share - Summary of Earning Per Share (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands		12 Months Ended
		Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Net income attributable to controlling interests		$ 135,597	$ 177,902	$ 94,120
Preferred stock and preferred unit dividends and accretion		(25,076)	(22,363)	(17,070)
Net income attributable to common shareholders—basic		110,521	155,539	77,050
Effect of dilutive preferred stock dividends and accretion		2,400	2,400	2,400
Net income attributable to common shareholders—diluted		$ 112,921	$ 157,939	$ 79,450
Basic (including unvested share-based payment awards) (1) (in shares)	[1]	14,629	15,074	14,486
Effect of dilutive stock compensation arrangements and exchange of preferred stock (in shares)		4,747	5,824	5,616
Diluted (including unvested share-based payment awards) (1) (in shares)	[1]	19,376	20,898	20,102
Net income attributable to common shareholders per common share—basic (in dollars per share)		$ 7.55	$ 10.32	$ 5.32
Net income attributable to common shareholders per common share—diluted (in dollars per share)		$ 5.83	$ 7.56	$ 3.95
[1]Shares related to unvested share-based payment awards included in our basic and diluted share counts were 146,617 and 133,702 for the three and nine months ended September 30, 2022, respectively, compared to 278,425 and 376,301 for the three and nine months ended September 30, 2021, respectively

Note 14 - Stock-based Compens_3

Note 14 - Stock-based Compensation (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
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 1 month 6 days
Restricted Stock [Member]
Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Grants in Period (in shares)	105,360	49,988	61,373
Share-Based Payment Arrangement, Expensed and Capitalized, Amount, Total	$ 4,900	$ 1,700	$ 600
Share-Based Payment Arrangement, Expense	2,600	1,200	800
Share-Based Payment Arrangement, Nonvested Award, Excluding Option, Cost Not yet Recognized, Amount	$ 3,300
Share-Based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Period for Recognition (Year)	2 years 9 months 18 days
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	$ 1,600	2,000	500
Share-based Compensation Arrangement by Share-based Payment Award, Expiration Period (Year)	10 years
Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Fair Value		3,100	$ 1,400
Share-Based Compensation Arrangement by Share-Based Payment Award, Shares Issued in Period (in shares)	0
Share-Based Payment Arrangement, Nonvested Award, Option, Cost Not yet Recognized, Amount	$ 800	$ 2,400
Employee Stock Purchase Plan [Member]
Share-Based Compensation Arrangement by Share-Based Payment Award, Number of Shares Available for Grant (in shares)	51,041
The Fourth Amended 2014 Plan [Member]
Share-Based Compensation Arrangement by Share-Based Payment Award, Number of Shares Available for Grant (in shares)	2,085,158

Note 14 - Stock-based Compens_4

Note 14 - Stock-based Compensation - Summary of Outstanding Options (Details)	12 Months Ended
	Dec. 31, 2022 USD ($) $ / shares shares
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	(1,211,141)
Exercised, weighted average exercise price (in dollars per share) | $ / shares	$ 3.08
Expired/Forfeited (in shares) | shares	(4,665)
Expired/Forfeited, weighted average exercise price (in dollars per share) | $ / shares	$ 15.30
Outstanding (in shares) | shares	802,163
Outstanding, weighted average exercise price (in dollars per share) | $ / shares	$ 12.23
Outstanding, weighted average remaining contractual life (Year)	1 year 7 months 6 days
Outstanding, aggregate intrinsic value | $	$ 12,704,473
Exercisable (in shares) | shares	673,137
Exercisable, weighted average exercise price (in dollars per share) | $ / shares	$ 8.71
Exercisable, weighted average remaining contractual life (Year)	1 year 2 months 12 days
Exercisable, aggregate intrinsic value | $	$ 12,270,696

Note 14 - Stock-based Compens_5

Note 14 - Stock-based Compensation - Information of Stock Options Granted, Exercised and Vested (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Weighted average fair value per share of options granted (in dollars per share)		$ 24
Proceeds from exercise of stock options	$ 3,731	$ 1,885	$ 1,326
Aggregate intrinsic value of options exercised	74,296	13,673
Grant date fair value of shares vested	$ 1,802	$ 834

Note 15 - ATM Program (Details

Note 15 - ATM Program (Details Textual)	Aug. 10, 2022 USD ($)
Series B Preferred Stock [Member] | Maximum [Member]
Preferred Stock, Aggregate Offering Price	$ 100,000,000

Note 16 - Employee Benefit Pl_2

Note 16 - Employee Benefit Plans (Details Textual) - USD ($)	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Defined Contribution Plan, Employer Discretionary Contribution Amount	$ 341,245	$ 274,759	$ 197,214
Employee Stock Purchase Plan, Percent of Wages Withheld, Maximum	10%
Employee Stock Purchase Plan, Max Annual Contribution by Employees	$ 10,000
Percent of Purchase Price to Company's Common Stock on Last Day of Offering Period	85%
Stock Issued During Period, Value, Employee Stock Purchase Plan	$ 107,995	$ 79,095	$ 106,775
Stock Issued During Period, Shares, Employee Stock Purchase Plans (in shares)	3,280	2,241	9,209
Employee Stock Purchase Plan, Shares Authorized (in shares)			100,000
Employee Stock Purchase Plan, Employer Expense During Period	$ 35,348	$ 28,937	$ 31,748

Note 17 - Related Party Trans_2

Note 17 - Related Party Transactions (Details Textual)		12 Months Ended
	Dec. 27, 2019 USD ($) shares	Dec. 31, 2022 USD ($) shares	Dec. 31, 2021 USD ($) shares	Dec. 31, 2020 USD ($) ft²	Nov. 26, 2014 USD ($)	Jun. 30, 2007 ft²
Related Party Transaction, Percent of Common Stock Purchase to Trigger Share Sale		50%
Debt Satisfied By Issuance of Series A Preferred Stock [Member]
Debt Conversion, Original Debt, Amount	$ 40,000,000
Series A Preferred Stock [Member]
Temporary Equity, Shares Issued (in shares) | shares	400,000	400,000	400,000
Chief Executive Officer [Member]
Area of Real Estate Property (Square Foot) | ft²				3,100		1,000
Related Party Transaction, Other Revenues from Transactions with Related Party		$ 62,422	$ 17,299	$ 16,960
Related Party Transaction, Due from (to) Related Party, Noncurrent, Total		39,400
Related Party Transaction, Amounts of Transaction		404,302	$ 380,733	$ 334,526
Dove Ventures, LLC [Member] | Senior Secured Term Loan Facility [Member]
Line of Credit Facility, Maximum Borrowing Capacity					$ 40,000,000
Axiom Bank [Member]
Related Party Transaction, Amounts of Transaction		$ 1,000,000

Note 18 - Subsequent Events (De

Note 18 - Subsequent Events (Details Textual) - shares	2 Months Ended	12 Months Ended
	Feb. 28, 2023	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Stock Repurchased and Retired During Period, Shares (in shares)		1,674,161	434,381	245,534
Common Stock [Member] | Subsequent Event [Member]
Stock Repurchased and Retired During Period, Shares (in shares)	16,313