Atlanticus (ATLC) 10-Q 8 Aug 24 2024 Q2 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	6 Months Ended
	Jun. 30, 2024	Jul. 31, 2024
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	Q2
Document Fiscal Year Focus	2024
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Jun. 30, 2024
Document Transition Report	false
Entity Incorporation, State or Country Code	GA
Entity Tax Identification Number	58-2336689
Entity File Number	0-53717
Entity Address, Address Line One	Five Concourse Parkway, Suite 300
Entity Address, City or Town	Atlanta
Entity Address, State or Province	GA
Entity Address, Postal Zip Code	30328
City Area Code	770
Local Phone Number	828-2000
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		14,744,679
Senior Notes Due in 2029 [Member[
Document Information [Line Items]
Title of 12(b) Security	9.25% Senior Notes due 2029
Trading Symbol	ATLCZ
Security Exchange Name	NASDAQ
Senior Notes Due in 2026 [Member]
Document Information [Line Items]
Title of 12(b) Security	6.125% 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	7.625% Series B Cumulative Perpetual 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

Condensed Consolidated Balance

Condensed Consolidated Balance Sheets (Current Period Unaudited) - USD ($) $ in Thousands		Jun. 30, 2024	Dec. 31, 2023
Assets
Unrestricted cash and cash equivalents		$ 350,907	$ 339,338
Restricted cash and cash equivalents		56,256	44,315
Loans, interest and fees receivable, at fair value		2,277,379	2,173,759
Loans at amortized cost, net (including $2.4 million and $1.8 million of allowance for credit losses at June 30, 2024 and December 31, 2023, respectively; and $18.1 million and $17.9 million of deferred revenue at June 30, 2024 and December 31, 2023, respectively)		97,469	98,425
Property at cost, net of depreciation		10,269	11,445
Operating lease right-of-use assets		11,111	11,310
Prepaid expenses and other assets		33,870	27,853
Total assets		2,837,261	2,706,445
Liabilities
Accounts payable and accrued expenses		70,579	61,634
Operating lease liabilities		19,679	20,180
Notes Payable, net held by VIEs		1,879,071	1,861,685
Senior notes, net		199,496	144,453
Income tax liability		97,128	85,826
Total liabilities		2,265,953	2,173,778
Commitments and contingencies (Note 10)
Shareholders' Equity
Common stock, no par value, 150,000,000 shares authorized: 14,748,938 and 14,603,563 shares issued and outstanding at June 30, 2024 and December 31, 2023, respectively		0	0
Paid-in capital		88,705	87,415
Retained earnings		345,110	307,260
Total shareholders’ equity		433,815	394,675
Noncontrolling interests		(2,907)	(2,258)
Total equity		430,908	392,417
Total liabilities, shareholders' equity and temporary equity		2,837,261	2,706,445
Series A Preferred Stock [Member]
Liabilities
Series A preferred stock, 400,000 shares issued and outstanding (liquidation preference - $40.0 million) at June 30, 2024 and December 31, 2023 (Note 5) (1)	[1]	40,000	40,000
Class B preferred units issued to noncontrolling interests (Note 5)	[1]	40,000	40,000
Series B Preferred Stock [Member]
Liabilities
Series A preferred stock, 400,000 shares issued and outstanding (liquidation preference - $40.0 million) at June 30, 2024 and December 31, 2023 (Note 5) (1)		100,400	100,250
Class B preferred units issued to noncontrolling interests (Note 5)		100,400	100,250
Shareholders' Equity
Series B preferred stock, no par value, 3,300,704 shares issued and outstanding at June 30, 2024 (liquidation preference - $82.5 million); 3,256,561 shares issued and outstanding at December 31, 2023 (liquidation preference - $81.4 million) (1)	[1]	$ 0	$ 0
[1]Both the Series A preferred stock and the Series B preferred stock have no par value and are part of the same aggregate 10,000,000 shares authorized.

Condensed Consolidated Balanc_2

Condensed Consolidated Balance Sheets (Current Period Unaudited) (Parentheticals) - USD ($) $ / shares in Thousands, $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Unrestricted cash and cash equivalents	$ 350,907	$ 339,338
Restricted cash and cash equivalents	56,256	44,315
Loans, interest and fees receivable, at fair value	2,277,379	2,173,759
Allowance for credit losses	2,400	1,800
Deferred revenue	18,100	17,900
Notes payable, at face value	$ 1,879,071	$ 1,861,685
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)	14,748,938	14,603,563
Common stock, outstanding (in shares)	14,748,938	14,603,563
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)	3,300,704	3,256,561
Preferred stock, shares outstanding (in shares)	3,300,704	3,256,561
Preferred stock, liquidation preference	$ 82,500	$ 81,400
Variable Interest Entity, Primary Beneficiary [Member]
Unrestricted cash and cash equivalents	146,000	158,000
Restricted cash and cash equivalents	33,000	20,500
Loans, interest and fees receivable, at fair value	2,168,000	2,128,600
Notes payable, at face value	$ 1,816,700	$ 1,795,900

Condensed Consolidated Statemen

Condensed Consolidated Statements of Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Revenue:
Consumer loans, including past due fees	$ 242,349	$ 220,042	$ 472,723	$ 429,743
Fees and related income on earning assets	59,506	62,874	107,411	107,231
Other revenue	13,786	7,835	25,681	14,759
Total operating revenue	315,641	290,751	605,815	551,733
Other non-operating revenue	382	87	914	146
Total revenue	316,023	290,838	606,729	551,879
Interest expense	(37,948)	(24,215)	(73,011)	(48,449)
Provision for credit losses	(1,746)	(309)	(4,690)	(1,013)
Changes in fair value of loans	(186,251)	(177,829)	(345,422)	(327,651)
Net margin	90,078	88,485	183,606	174,766
Operating expenses:
Salaries and benefits	(11,973)	(10,629)	(25,285)	(21,233)
Card and loan servicing	(27,698)	(23,814)	(54,520)	(48,149)
Marketing and solicitation	(13,572)	(14,486)	(24,000)	(24,892)
Depreciation	(653)	(643)	(1,307)	(1,261)
Other	(7,579)	(6,900)	(17,070)	(13,136)
Total operating expenses	(61,475)	(56,472)	(122,182)	(108,671)
Income before income taxes	28,603	32,013	61,424	66,095
Income tax expense	(4,476)	(7,199)	(11,478)	(15,387)
Net income	24,127	24,814	49,946	50,708
Net loss attributable to noncontrolling interests	153	275	504	593
Net income attributable to controlling interests	24,280	25,089	50,450	51,301
Preferred stock and preferred unit dividends and discount accretion	(6,308)	(6,289)	(12,600)	(12,516)
Net income attributable to common shareholders	$ 17,972	$ 18,800	$ 37,850	$ 38,785
Net income attributable to common shareholders per common share—basic (in dollars per share)	$ 1.22	$ 1.3	$ 2.57	$ 2.68
Net income attributable to common shareholders per common share—diluted (in dollars per share)	$ 0.99	$ 1.02	$ 2.08	$ 2.11

Condensed Consolidated Statem_2

Condensed Consolidated Statements of Shareholders' Equity and Temporary Equity (Unaudited) - USD ($) $ in Thousands	Preferred Stock [Member] Series B Preferred Stock [Member]	Preferred Stock [Member] Series A Preferred Stock [Member]	Preferred Stock [Member] Class B Preferred Units [Member]	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	Noncontrolling Interest [Member]	Total
Balance (in shares) at Dec. 31, 2022	3,204,640			14,453,415
Balance at Dec. 31, 2022		$ 40,000	$ 99,950		$ 121,996	$ 204,415	$ (1,371)	$ 325,040
Accretion of discount associated with issuance of subsidiary equity			75		(75)			(75)
Preferred stock and preferred unit dividends					(6,168)			(6,168)
Compensatory stock issuances, net of forfeitures (in shares)				146,227
Issuance of series B preferred stock, net (in shares)	51,327
Issuance of series B preferred stock, net					1,069			1,069
Contributions by owners of noncontrolling interests							4	4
Stock-based compensation costs					931			931
Redemption and retirement of common shares (in shares)				(72,354)
Redemption and retirement of common shares					(1,947)			(1,947)
Net income (loss)						26,212	(318)	25,894
Stock option exercises and proceeds related thereto (in shares)				1,258
Stock option exercises and proceeds related thereto					19			19
Discount associated with repurchase of preferred stock					16			16
Redemption and retirement of preferred shares (in shares)	(1,806)
Redemption and retirement of preferred shares					(45)			(45)
Balance (in shares) at Mar. 31, 2023	3,254,161			14,528,546
Balance at Mar. 31, 2023		40,000	100,025		115,796	230,627	(1,685)	344,738
Balance (in shares) at Dec. 31, 2022	3,204,640			14,453,415
Balance at Dec. 31, 2022		40,000	99,950		121,996	204,415	(1,371)	325,040
Accretion of discount associated with issuance of subsidiary equity								(150)
Balance (in shares) at Jun. 30, 2023	3,256,261			14,428,039
Balance at Jun. 30, 2023		40,000	100,100		107,633	255,716	(1,960)	361,389
Balance (in shares) at Mar. 31, 2023	3,254,161			14,528,546
Balance at Mar. 31, 2023		40,000	100,025		115,796	230,627	(1,685)	344,738
Accretion of discount associated with issuance of subsidiary equity			75		(75)			(75)
Preferred stock and preferred unit dividends					(6,214)			(6,214)
Compensatory stock issuances, net of forfeitures (in shares)				(220)
Issuance of series B preferred stock, net (in shares)	2,100
Issuance of series B preferred stock, net					43			43
Stock-based compensation costs					1,031			1,031
Redemption and retirement of common shares (in shares)				(105,447)
Redemption and retirement of common shares					(2,988)			(2,988)
Net income (loss)						25,089	(275)	24,814
Stock option exercises and proceeds related thereto (in shares)				5,160
Stock option exercises and proceeds related thereto					40			40
Balance (in shares) at Jun. 30, 2023	3,256,261			14,428,039
Balance at Jun. 30, 2023		40,000	100,100		107,633	255,716	(1,960)	361,389
Balance (in shares) at Dec. 31, 2023	3,256,561			14,603,563
Balance at Dec. 31, 2023		40,000	100,250		87,415	307,260	(2,258)	392,417
Accretion of discount associated with issuance of subsidiary equity			75			(75)		(75)
Preferred stock and preferred unit dividends						(6,217)		(6,217)
Compensatory stock issuances, net of forfeitures (in shares)				206,629
Issuance of series B preferred stock, net (in shares)	44,143
Issuance of series B preferred stock, net					1,071			1,071
Distributions to owners of noncontrolling interests	$ 0						(148)	(148)
Contributions by owners of noncontrolling interests							3	3
Stock-based compensation costs					940			940
Redemption and retirement of common shares (in shares)				(18,033)
Redemption and retirement of common shares					(543)			(543)
Net income (loss)						26,170	(351)	25,819
Balance (in shares) at Mar. 31, 2024	3,300,704			14,792,159
Balance at Mar. 31, 2024		40,000	100,325		88,883	327,138	(2,754)	413,267
Balance (in shares) at Dec. 31, 2023	3,256,561			14,603,563
Balance at Dec. 31, 2023		40,000	100,250		87,415	307,260	(2,258)	392,417
Accretion of discount associated with issuance of subsidiary equity								$ (150)
Stock option exercises and proceeds related thereto (in shares)								2,975
Balance (in shares) at Jun. 30, 2024	3,300,704			14,748,938
Balance at Jun. 30, 2024		40,000	100,400		88,705	345,110	(2,907)	$ 430,908
Balance (in shares) at Mar. 31, 2024	3,300,704			14,792,159
Balance at Mar. 31, 2024		40,000	100,325		88,883	327,138	(2,754)	413,267
Accretion of discount associated with issuance of subsidiary equity			75			(75)		(75)
Preferred stock and preferred unit dividends						(6,233)		(6,233)
Compensatory stock issuances, net of forfeitures (in shares)				3,007
Stock-based compensation costs					1,050			1,050
Redemption and retirement of common shares (in shares)				(49,203)
Redemption and retirement of common shares					(1,273)			(1,273)
Net income (loss)						24,280	(153)	24,127
Stock option exercises and proceeds related thereto (in shares)				2,975
Stock option exercises and proceeds related thereto					45			45
Balance (in shares) at Jun. 30, 2024	3,300,704			14,748,938
Balance at Jun. 30, 2024		$ 40,000	$ 100,400		$ 88,705	$ 345,110	$ (2,907)	$ 430,908

Condsensed Consolidated Stateme

Condsensed Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023
Operating activities
Net income	$ 49,946	$ 50,708
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation, amortization and accretion, net	2,504	1,696
Provision for credit losses	4,690	1,013
Income from accretion of merchant fees and discount associated with receivables purchases	(79,666)	(82,680)
Changes in fair value of loans	345,422	327,651
Amortization of debt issuance costs	5,289	2,904
Stock-based compensation costs	1,990	1,962
Lease liability payments	(1,499)	(361)
Changes in assets and liabilities:
Increase in uncollected fees on earning assets	(110,557)	(113,268)
Increase in income tax liability	11,302	14,951
Increase in accounts payable and accrued expenses	8,996	3,950
Other	(3,978)	1,261
Net cash provided by operating activities	234,439	209,787
Investing activities
Proceeds from recoveries on charged off receivables	23,449	30,101
Investments in earning assets	(1,238,058)	(1,192,213)
Proceeds from earning assets	949,988	924,499
Purchases and development of property	(131)	(3,798)
Net cash used in investing activities	(264,752)	(241,411)
Financing activities
Noncontrolling interests contributions	3	4
Noncontrolling interests distributions	(148)	0
Proceeds from issuance of Series B preferred stock, net of issuance costs	1,071	1,112
Preferred stock and preferred unit dividends	(12,500)	(12,429)
Proceeds from exercise of stock options	45	59
Purchase and retirement of outstanding stock	(1,816)	(4,964)
Proceeds from issuance of Senior notes, net of issuance costs	54,559	0
Proceeds from borrowings	423,898	252,212
Repayment of borrowings	(411,289)	(243,159)
Net cash provided by (used for) financing activities	53,823	(7,165)
Effect of exchange rate changes on cash and cash equivalents and restricted cash	0	4
Net increase (decrease) in cash and cash equivalents and restricted cash	23,510	(38,785)
Cash and cash equivalents and restricted cash at beginning of period	383,653	433,192
Cash and cash equivalents and restricted cash at end of period	407,163	394,407
Supplemental cash flow information
Cash paid for interest	65,181	45,501
Net cash income tax payments	176	436
Accretion of discount associated with issuance of subsidiary equity	150	150
Decrease in accrued and unpaid preferred stock and preferred unit dividends	$ (50)	$ (47)

Note 1 - Description of Our Bus

Note 1 - Description of Our Business	6 Months Ended
	Jun. 30, 2024
Notes to Financial Statements
Organization, Consolidation and Presentation of Financial Statements Disclosure [Text Block]	1. Description of Our Business Our accompanying condensed 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 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 $40 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.

Note 2 - Significant Accounting

Note 2 - Significant Accounting Policies and Condensed Consolidated Financial Statement Components	6 Months Ended
	Jun. 30, 2024
Notes to Financial Statements
Significant Accounting Policies [Text Block]	2. Significant Accounting Policies and Condensed Consolidated Financial Statement Components The following is a summary of significant accounting policies we follow in preparing our interim condensed consolidated financial statements, as well as a description of significant components of our interim condensed consolidated financial statements. The unaudited condensed financial statements furnished have been prepared in accordance with accounting principles generally accepted in the United States of America (“GAAP”) for interim financial information and the instructions to Form 10 10 01 X Recent rules enacted by the Consumer Financial Protection Bureau ("CFPB"), which, if implemented, would limit the late fees charged to consumers in most instances, are expected to adversely impact the revenue recognized on our receivables. In order to mitigate these impacts, our bank partners have taken a number of steps, from modifying products and policies (such as further tightening the criteria used to evaluate new loans) to changing prices (including increasing interest rates and fees charged to consumers). We believe these product, policy and pricing changes will offset the negative impact of a reduced late fee. The changes will take several quarters to fully implement. These modifications could result in changes to certain estimates such as credit losses, payment rates, servicing costs, discount rates and yields earned on credit card receivables and affect the reported amount (and changes thereon) of our Loans at fair value on our condensed consolidated balance sheets and condensed consolidated statements of income. We maintain two Consolidation 7 Loans at fair value. Further details concerning our loans at fair value are presented within Note 6, Loans at amortized cost, net. three six June 30, 2024 2023, Certain of our loans at amortized cost, net, also contain components of deferred revenue related to loan discounts on the purchase of our auto finance receivables. As of June 30, 2024 December 31, 2023, A roll-forward (in millions) of our allowance for credit losses by class of receivable is as follows: For the Three Months Ended June 30, 2024 2023 Allowances for credit losses: Balance at beginning of period $ (3.4 ) $ (1.7 ) Provision for credit losses (1.7 ) (0.3 ) Charge-offs 3.4 0.8 Recoveries (0.7 ) (0.5 ) Balance at end of period $ (2.4 ) $ (1.7 ) For the Six Months Ended June 30, 2024 2023 Allowances for credit losses: Balance at beginning of period $ (1.8 ) $ (1.6 ) Provision for credit losses (4.7 ) (1.0 ) Charge-offs 5.3 1.8 Recoveries (1.2 ) (0.9 ) Balance at end of period $ (2.4 ) $ (1.7 ) June 30, December 31, As of 2024 2023 Allowances for credit losses: Balance at end of period individually evaluated for impairment $ (0.6 ) $ — Balance at end of period collectively evaluated for impairment $ (1.8 ) $ (1.8 ) Loans at amortized cost: Loans at amortized cost $ 118.0 $ 118.0 Loans at amortized cost individually evaluated for impairment $ 0.6 $ — Loans at amortized cost collectively evaluated for impairment $ 117.4 $ 118.0 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 at amortized cost (in millions) as of June 30, 2024 December 31, 2023 June 30, December 31, As of 2024 2023 30-59 days past due $ 9.2 $ 9.4 60-89 days past due 3.8 3.4 90 or more days past due 4.9 3.5 Delinquent loans at amortized cost 17.9 16.3 Current loans at amortized cost 100.1 101.7 Total loans at amortized cost $ 118.0 $ 118.0 Balance of loans greater than 90-days delinquent still accruing interest and fees $ 2.8 $ 2.6 Loan Modifications and Restructurings We review our Loans at amortized cost, net, associated with our Auto Finance segment’s operations to determine if any modifications for borrowers experiencing financial difficulty were made that would qualify the receivable as a Financial Difficulty Modification ("FDM"). This could include a restructuring of the loan terms to alleviate the burden of the borrower's near-term cash requirements, such as a modification of terms to reduce or defer cash payments to help the borrower attempt to improve its financial condition. For the six June 30, 2024, no Income Taxes We experienced effective tax rates of 15.6% and 18.5% for the three six June 30, 2024, three six June 30, 2023, Our effective tax rates for the three six June 30, 2024 1 2 three June 30, 2024, 1 three June 30, 2024 2 3 162 1986, Our effective tax rates for the three six June 30, 2023 1 2 3 4 We report interest expense associated with our income tax liabilities (including accrued liabilities for uncertain tax positions) within our income tax line item on our condensed consolidated statements of income. We likewise report within such line item the reversal of interest expense associated with our accrued liabilities for uncertain tax positions to the extent we resolve such liabilities in a manner favorable to our accruals therefor. Our interest expense was $93 thousand for the six June 30, 2024, six June 30, 2023. Revenue from Contracts with Customers Revenue from contracts with customers is included in Other revenue on our condensed consolidated statements of income. Components (in thousands) of our revenue from contracts with customers are as follows: For the Three Months Ended June 30, 2024 CaaS Auto Finance Total Interchange revenues, net (1) $ 4,783 $ — $ 4,783 Servicing income 1,849 190 2,039 Service charges and other customer related fees 6,948 16 6,964 Total revenue from contracts with customers $ 13,580 $ 206 $ 13,786 ( 1 For the Six Months Ended June 30, 2024 CaaS Auto Finance Total Interchange revenues, net (1) $ 9,447 $ — $ 9,447 Servicing income 3,184 390 3,574 Service charges and other customer related fees 12,627 33 12,660 Total revenue from contracts with customers $ 25,258 $ 423 $ 25,681 ( 1 For the Three Months Ended June 30, 2023 CaaS Auto Finance Total Interchange revenues, net (1) $ 5,003 $ — $ 5,003 Servicing income 636 189 825 Service charges and other customer related fees 1,989 18 2,007 Total revenue from contracts with customers $ 7,628 $ 207 $ 7,835 ( 1 For the Six Months Ended June 30, 2023 CaaS Auto Finance Total Interchange revenues, net (1) $ 9,619 $ — $ 9,619 Servicing income 1,341 380 1,721 Service charges and other customer related fees 3,382 37 3,419 Total revenue from contracts with customers $ 14,342 $ 417 $ 14,759 ( 1 Recent Accounting Pronouncements In December 2023, 2023 09, 740 740" 740 740 December 15, 2024. not In November 2023, 2023 07, 280 280" 280 one December 15, 2023, December 15, 2024. On March 31, 2022, 2022 02, 326 326 326 326 326 January 1, 2023. 326 not

Note 3 - Segment Reporting

Note 3 - Segment Reporting	6 Months Ended
	Jun. 30, 2024
Notes to Financial Statements
Segment Reporting Disclosure [Text Block]	3. Segment Reporting We operate primarily within one two two We have no We measure the profitability of our reportable segments based on their income after allocation of specific costs and corporate overhead; however, our segment results do not Summary operating segment information (in thousands) is as follows: Three Months Ended June 30, 2024 CaaS Auto Finance Total Revenue: Consumer loans, including past due fees $ 232,014 $ 10,335 $ 242,349 Fees and related income on earning assets 59,484 22 59,506 Other revenue 13,582 204 13,786 Total operating revenue 305,080 10,561 315,641 Other non-operating revenue 79 303 382 Total revenue 305,159 10,864 316,023 Interest expense (37,126 ) (822 ) (37,948 ) Provision for credit losses — (1,746 ) (1,746 ) Changes in fair value of loans (186,251 ) — (186,251 ) Net margin $ 81,782 $ 8,296 $ 90,078 Income before income taxes $ 26,180 $ 2,423 $ 28,603 Income tax expense $ (3,836 ) $ (640 ) $ (4,476 ) Six Months Ended June 30, 2024 CaaS Auto Finance Total Revenue: Consumer loans, including past due fees $ 452,053 $ 20,670 $ 472,723 Fees and related income on earning assets 107,369 42 107,411 Other revenue 25,259 422 25,681 Total operating revenue 584,681 21,134 605,815 Other non-operating revenue 361 553 914 Total revenue 585,042 21,687 606,729 Interest expense (71,362 ) (1,649 ) (73,011 ) Provision for credit losses — (4,690 ) (4,690 ) Changes in fair value of loans (345,422 ) — (345,422 ) Net margin $ 168,258 $ 15,348 $ 183,606 Income before income taxes $ 57,994 $ 3,430 $ 61,424 Income tax expense $ (10,577 ) $ (901 ) $ (11,478 ) Total assets $ 2,733,909 $ 103,352 $ 2,837,261 Three Months Ended June 30, 2023 CaaS Auto Finance Total Revenue: Consumer loans, including past due fees $ 210,268 $ 9,774 $ 220,042 Fees and related income on earning assets 62,852 22 62,874 Other revenue 7,627 208 7,835 Total operating revenue 280,747 10,004 290,751 Other non-operating revenue 89 (2 ) 87 Total revenue 280,836 10,002 290,838 Interest expense (23,363 ) (852 ) (24,215 ) Provision for credit losses — (309 ) (309 ) Changes in fair value of loans (177,829 ) — (177,829 ) Net margin $ 79,644 $ 8,841 $ 88,485 Income before income taxes $ 28,883 $ 3,130 $ 32,013 Income tax expense $ (6,346 ) $ (853 ) $ (7,199 ) Six Months Ended June 30, 2023 CaaS Auto Finance Total Revenue: Consumer loans, including past due fees $ 410,797 $ 18,946 $ 429,743 Fees and related income on earning assets 107,191 40 107,231 Other revenue 14,342 417 14,759 Total operating revenue 532,330 19,403 551,733 Other non-operating revenue 103 43 146 Total revenue 532,433 19,446 551,879 Interest expense (46,823 ) (1,626 ) (48,449 ) Provision for credit losses — (1,013 ) (1,013 ) Changes in fair value of loans (327,651 ) — (327,651 ) Net margin $ 157,959 $ 16,807 $ 174,766 Income before income taxes $ 60,736 $ 5,359 $ 66,095 Income tax expense $ (13,913 ) $ (1,474 ) $ (15,387 ) Total assets $ 2,355,177 $ 99,525 $ 2,454,702

Note 4 - Shareholders' Equity a

Note 4 - Shareholders' Equity and Preferred Stock	6 Months Ended
	Jun. 30, 2024
Notes to Financial Statements
Equity [Text Block]	4. Shareholders’ Equity and Preferred Stock During the three six June 30, 2024 2023, Preferred Stock In June July 2021, 7.625% $25.00 During the three six June 30, 2023, three six June 30, 2024. ATM Programs On August 10, 2022, 2026 2026 December 29, 2023, no may 415 1933, During the three six June 30, 2024 2023, three six June 30, 2024 2023, 2026 three six June 30, 2024,

Note 5 - Redeemable Preferred S

Note 5 - Redeemable Preferred Stock	6 Months Ended
	Jun. 30, 2024
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 11, Dove is a limited liability company owned by three one two two On November 14, 2019, third not March 2020, may, $1.00 October 14, 2024. 11,

Note 6 - Fair Values of Assets

Note 6 - Fair Values of Assets and Liabilities	6 Months Ended
	Jun. 30, 2024
Notes to Financial Statements
Fair Value Disclosures [Text Block]	6. Fair Values of Assets and Liabilities Fair value is defined as the price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. 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" in the condensed 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 and therefore impact earnings. Further, our retail asset typically has seasonal growth during the summer months, impacting the fair value of assets. Fair value differs from amortized cost accounting in the following ways: • Receivables 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 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 impact net margins; and • Net charge-offs are recognized as they occur rather than through the establishment of an allowance and provision for credit losses for those loans, interest and fees receivable carried at amortized cost. For receivables that are carried at net amortized cost, we include disclosures of the fair value of such receivables to the extent practicable within the disclosures below. Where applicable, 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 June 30, 2024 December 31, 2023 1 2 not Assets – As of June 30, 2024 (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 at amortized cost, net for which it is practicable to estimate fair value and which are carried at net amortized cost $ — $ — $ 105,456 $ 97,469 Loans at fair value $ — $ — $ 2,277,379 $ 2,277,379 Assets – As of December 31, 2023 (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 at amortized cost, net for which it is practicable to estimate fair value and which are carried at net amortized cost $ — $ — $ 105,409 $ 98,425 Loans at fair value $ — $ — $ 2,173,759 $ 2,173,759 ( 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 condensed consolidated financial statements, gains and losses associated with fair value changes are detailed on our condensed consolidated statements of income as a component of "Changes in fair value of loans". For our loans 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 three six June 30, 2024 2023: Loans at Fair Value 2024 2023 Balance at January 1, $ 2,173,759 $ 1,817,976 Changes in fair value of loans at fair value, included in earnings 103,326 44,212 Changes in fair value due to principal charge-offs, net of recoveries (322,174 ) (256,000 ) Changes in fair value due to finance and fee charge-offs (126,574 ) (115,863 ) Purchases 1,203,662 1,157,313 Finance and fees, added to the account balance 501,038 453,766 Settlements (1,255,658 ) (1,185,341 ) Balance at June 30, $ 2,277,379 $ 1,916,063 The unrealized gains and losses for assets within the Level 3 Loans at Fair Value. The fair value of Loans at fair value is based on the present value of future cash flows using a valuation model of expected cash flows and the estimated cost to service and collect those cash flows. We estimate the present value of these future cash flows using internally-developed estimates of assumptions third 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 June 30, 2024 December 31, 2023 not Liabilities – As of June 30, 2024 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 $ — $ — $ 1,856,114 $ 1,856,114 Amortizing debt facilities $ — $ — $ 22,957 $ 22,957 Senior notes, net $ 190,315 $ — $ — $ 199,496 Liabilities – As of December 31, 2023 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 $ — $ — $ 1,838,647 $ 1,838,647 Amortizing debt facilities $ — $ — $ 23,038 $ 23,038 Senior notes, net $ 138,229 $ — $ — $ 144,453 For our notes payable where market prices are not third not 9, Other Relevant Data Other relevant data (in thousands) as of June 30, 2024 December 31, 2023 As of June 30, 2024 Loans at Fair Value Loans at Fair Value Pledged as Collateral under Structured Financings Aggregate unpaid gross balance of loans at fair value $ 396 $ 2,414,696 Aggregate unpaid principal balance included within loans at fair value $ 385 $ 2,196,823 Aggregate fair value of loans at fair value $ 396 $ 2,276,983 Aggregate fair value of loans at fair value that are 90 days or more past due (which also coincides with finance charge and fee non-accrual policies) $ — $ 25,489 Unpaid principal balance of loans at fair value that 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 $ 6 $ 131,505 As of December 31, 2023 Loans at Fair Value Loans at Fair Value Pledged as Collateral under Structured Financings Aggregate unpaid gross balance of loans at fair value $ 507 $ 2,410,748 Aggregate unpaid principal balance included within loans at fair value $ 491 $ 2,176,845 Aggregate fair value of loans at fair value $ 508 $ 2,173,251 Aggregate fair value of loans at fair value that are 90 days or more past due (which also coincides with finance charge and fee non-accrual policies) $ — $ 29,149 Unpaid principal balance of loans at fair value that 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 $ 9 $ 147,803

Note 7 - Variable Interest Enti

Note 7 - Variable Interest Entities	6 Months Ended
	Jun. 30, 2024
Notes to Financial Statements
Variable Interest Entity Disclosure [Text Block]	7. Variable Interest Entities The following table presents a summary of VIEs in which we had continuing involvement and held a variable interest (in millions): As of June 30, 2024 December 31, 2023 Unrestricted cash and cash equivalents $ 146.0 $ 158.0 Restricted cash and cash equivalents 33.0 20.5 Loans at fair value 2,168.0 2,128.6 Total Assets held by VIEs $ 2,347.0 $ 2,307.1 Notes Payable, net held by VIEs $ 1,816.7 $ 1,795.9 Maximum exposure to loss due to involvement with VIEs $ 2,138.2 $ 2,099.0

Note 8 - Leases

Note 8 - Leases	6 Months Ended
	Jun. 30, 2024
Notes to Financial Statements
Lessee, Operating Leases [Text Block]	8. Leases The components of lease expense associated with our lease liabilities and supplemental cash flow information related to those leases were as follows (dollar amounts in thousands): For the Three Months Ended June 30, For the Six Months Ended June 30, 2024 2023 2024 2023 Operating lease cost, gross $ 637 $ 637 $ 1,264 $ 1,276 Sublease income (24 ) (23 ) (48 ) (47 ) Net Operating lease cost $ 613 $ 614 $ 1,216 $ 1,229 Cash paid under operating leases, gross $ 752 $ 181 $ 1,499 $ 361 Weighted average remaining lease term - months 116 128 Weighted average discount rate 6.6 % 6.6 % As of June 30, 2024 Gross Lease Payment Payments received from Sublease Net Lease Payment 2024 (excluding the six months ended June 30, 2024) $ 1,504 $ (49 ) $ 1,455 2025 2,903 (41 ) 2,862 2026 2,769 — 2,769 2027 2,638 — 2,638 2028 2,590 — 2,590 Thereafter 14,865 — 14,865 Total lease payments 27,269 (90 ) 27,179 Less imputed interest (7,590 ) Operating lease liabilities $ 19,679 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 condensed consolidated financial statements. As of June 30, 2024, no one

Note 9 - Notes Payable

Note 9 - Notes Payable	6 Months Ended
	Jun. 30, 2024
Notes to Financial Statements
Debt Disclosure [Text Block]	9. Notes Payable Notes Payable, at Face Value Other notes payable outstanding as of June 30, 2024 December 31, 2023 As of June 30, 2024 December 31, 2023 Revolving credit facilities at a weighted average interest rate equal to 7.0 6.3 2,304.4 2,252.9 Revolving credit facility, not to exceed $ 65.0 December 1, 2026 $ 39.4 $ 42.7 Revolving credit facility, not to exceed $ 50.0 October 30, 2025 28.5 38.6 Revolving credit facility, not to exceed $ 100.0 December 15, 2025 — — Revolving credit facility, not to exceed $ 50.0 July 20, 2025 31.3 47.5 Revolving credit facility, not to exceed $ 20.0 December 11, 2024 20.0 14.3 Revolving credit facility, not to exceed $ 250.0 May 2024 — 250.0 Revolving credit facility, not to exceed $ 35.0 July 31, 2026 35.0 15.0 Revolving credit facility, not to exceed $ 300.0 December 15, 2026 300.0 300.0 Revolving credit facility, not to exceed $ 75.0 September 1, 2025 — — Revolving credit facility, not to exceed $ 300.0 May 15, 2026 300.0 300.0 Revolving credit facility, not to exceed $ 325.0 November 15, 2028 325.0 250.0 Revolving credit facility, not to exceed $ 100.0 August 5, 2024 — 50.0 Revolving credit facility, not to exceed $ 100.0 March 15, 2027 100.0 100.0 Revolving credit facility, not to exceed $ 20.0 May 26, 2026 — — Revolving credit facility, not to exceed $ 300.0 February 15, 2028 300.0 300.0 Revolving credit facility, not to exceed $ 150.0 May 17, 2027 150.0 150.0 Revolving credit facility, not to exceed $ 250.0 November 15, 2028 250.0 — Other facilities Other debt 5.5 5.6 Unsecured term debt (expiring August 26, 2024 8.0 17.4 17.4 Total notes payable before unamortized debt issuance costs and discounts 1,902.1 1,881.1 Unamortized debt issuance costs and discounts (23.0 ) (19.4 ) Total notes payable outstanding, net $ 1,879.1 $ 1,861.7 ( 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 7, ( 6 Creditors do not * As of June 30, 2024 In October 2015, June 30, 2024). October 30, 2025 In October 2016, June 30, 2024). October 2016, June 30, 2024, December 1, 2026. no In December 2017, June 30, 2024). July 2023 July 20, 2025. no In 2018, June 30, 2024) December 15, 2025, June 30, 2024, In June 2019, June 30, 2024). December 11, 2024. In August 2019, August 2024. In October 2020, May 2024. In January 2021, June 30, 2024) July 31, 2026 In June 2021, May 15, 2026 December 15, 2026). four In September 2021, June 30, 2024) 18 September 2025. In November 2021, May 15, 2026). three In May 2022, June 30, 2024) November 15, 2028). five In August 2022, June 30, 2024) August 5, 2024. In September 2022, March 15, 2027). In May 2023, June 30, 2024). May 26, 2026 In September 2023, February 15, 2028). three In November 2023, May 17, 2027). In May 2024, November 15, 2028). As of June 30, 2024, Senior Notes, net In November 2021, 6.125% 2026 "2026 2026 2026 2026 2026 2026 February 1, May 1, August 1 November 1 2026 November 30, 2026. 2026 three six June 30, 2024 2023 2026 three six June 30, 2024 2023, In January February 2024, 9.25% 2029 "2029 2029 2029 2029 2029 2029 January 15, April 15, July 15 October 15 2029 January 31, 2029. 2029 three six June 30, 2024 The 2026 2029

Note 10 - Commitments and Conti

Note 10 - Commitments and Contingencies	6 Months Ended
	Jun. 30, 2024
Notes to Financial Statements
Commitments and Contingencies Disclosure [Text Block]	10. Commitments and Contingencies General Under finance products available in the private label credit and general purpose credit card channels, consumers have the ability to borrow up to the maximum credit limit assigned to each individual’s account. Unfunded commitments under these products aggregated $3.4 billion at June 30, 2024. 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 June 30, 2024, not Under agreements with third June 30, 2024 Under agreements with third June 30, 2024, Under the account terms, consumers have the option of enrolling with our issuing bank partners in a credit protection program, which would make the minimum payments owed on their accounts for a period of up to six June 30, 2024. Concentrations We acquire all of our fair value receivables under agreements with two third Our five June 30, 2024. Our general purpose credit card and private label credit receivables base is diverse and spread across individual consumers in the U.S. As of June 30, 2024, one 10% Litigation We are involved in various legal proceedings that are incidental to the conduct of our business. There are currently no

Note 11 - Net Income Attributab

Note 11 - Net Income Attributable to Controlling Interests Per Common Share	6 Months Ended
	Jun. 30, 2024
Notes to Financial Statements
Earnings Per Share [Text Block]	11. Net Income Attributable to Controlling Interests Per Common Share We compute net income attributable to controlling interests per common share by dividing net income attributable to controlling interests by the weighted average number of shares of common stock (including participating securities) outstanding during the period, as discussed below. Diluted computations applicable in financial reporting periods in which we report income use the treasury stock method to reflect the potential dilution to the basic income per share of common stock computations that could occur if securities or other contracts to issue common stock were exercised, were converted into common stock or were to result in the issuance of common stock that would share in our results of operations. In performing our net income attributable to controlling interests per share of common stock computations, we apply accounting rules that require us to include all unvested stock awards that contain non-forfeitable rights to dividends or dividend equivalents, whether paid or unpaid, in the number of shares outstanding in our basic and diluted calculations. Common stock and certain unvested share-based payment awards earn dividends equally, and we have included all outstanding restricted stock awards in our basic and diluted calculations for current and prior periods. The following table sets forth the computations of net income attributable to controlling interests per share of common stock (in thousands, except per share data): For the Three Months Ended For the Six Months Ended June 30, June 30, 2024 2023 2024 2023 Numerator: Net income attributable to controlling interests $ 24,280 $ 25,089 $ 50,450 $ 51,301 Preferred stock and preferred unit dividends and discount accretion (6,308 ) (6,289 ) (12,600 ) (12,516 ) Net income attributable to common shareholders—basic 17,972 18,800 37,850 38,785 Effect of dilutive preferred stock dividends and discount accretion 596 598 1,193 1,190 Net income attributable to common shareholders—diluted $ 18,568 $ 19,398 $ 39,043 $ 39,975 Denominator: Basic (including unvested share-based payment awards) (1) 14,771 14,439 14,722 14,457 Effect of dilutive stock compensation arrangements and exchange of preferred stock 4,037 4,520 4,044 4,513 Diluted (including unvested share-based payment awards) (1) 18,808 18,959 18,766 18,970 Net income attributable to common shareholders per share—basic $ 1.22 $ 1.30 $ 2.57 $ 2.68 Net income attributable to common shareholders per share—diluted $ 0.99 $ 1.02 $ 2.08 $ 2.11 ( 1 Shares related to unvested share-based payment awards included in our basic and diluted share counts were 390,096 and 341,837 for the three six June 30, 2024 three six June 30, 2023, 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 both the three six June 30, 2024, three six June 30, 2023, For the three six June 30, 2024 2023, 5,

Note 12 - Stock-based Compensat

Note 12 - Stock-based Compensation	6 Months Ended
	Jun. 30, 2024
Notes to Financial Statements
Share-Based Payment Arrangement [Text Block]	12. Stock-Based Compensation We currently have two 2014 2014 may 2014 may 2014 May 2019. June 30, 2024, 2014 Exercises and vestings under our stock-based compensation plans resulted in no income tax-related charges to paid-in capital during the three six June 30, 2024 2023. Restricted Stock and Restricted Stock Units During the three six June 30, 2024 2023, three six June 30, 2024 2023, may June 30, 2024, No The table below includes additional information about outstanding restricted stock and restricted stock units: Number of Shares Weighted Average Grant Date Fair Value Outstanding at December 31, 2023 244,225 $ 32.75 Issued 213,921 $ 30.99 Vested (64,120 ) $ 33.08 Forfeited (4,285 ) $ 32.47 Outstanding at June 30, 2024 389,741 $ 31.73 Stock Options The exercise price per share of the options awarded under the Fourth Amended 2014 may not three six June 30, 2024 2023, Number of Shares Weighted Average Exercise Price Weighted Average of Remaining Contractual Life (in years) Aggregate Intrinsic Value Outstanding at December 31, 2023 223,406 $ 28.52 Issued — $ — Exercised (2,975 ) $ 15.30 Expired/Forfeited (2,000 ) $ 15.30 Outstanding at June 30, 2024 218,431 $ 28.82 1.7 $ 1,090,353 Exercisable at June 30, 2024 192,148 $ 27.07 1.6 $ 1,090,353 No options were issued during the three six June 30, 2024 2023. June 30, 2024 December 31, 2023, June 30, 2024.

Insider Trading Arrangements

Insider Trading Arrangements	3 Months Ended	6 Months Ended
	Jun. 30, 2024	Jun. 30, 2024
Insider Trading Arr Line Items
Material Terms of Trading Arrangement [Text Block]		5. OTHER INFORMATION During the three June 30, 2024, none 16a 1 10b5 1 10b5 1 408
Rule 10b5-1 Arrangement Adopted [Flag]	false
Non-Rule 10b5-1 Arrangement Adopted [Flag]	false
Rule 10b5-1 Arrangement Terminated [Flag]	false
Non-Rule 10b5-1 Arrangement Terminated [Flag]	false

Significant Accounting Policies

Significant Accounting Policies (Policies)	6 Months Ended
	Jun. 30, 2024
Accounting Policies [Abstract]
Consolidation, Policy [Policy Text Block]	Consolidation 7
Receivable [Policy Text Block]	Loans at fair value. Further details concerning our loans at fair value are presented within Note 6, Loans at amortized cost, net. three six June 30, 2024 2023, Certain of our loans at amortized cost, net, also contain components of deferred revenue related to loan discounts on the purchase of our auto finance receivables. As of June 30, 2024 December 31, 2023, A roll-forward (in millions) of our allowance for credit losses by class of receivable is as follows: For the Three Months Ended June 30, 2024 2023 Allowances for credit losses: Balance at beginning of period $ (3.4 ) $ (1.7 ) Provision for credit losses (1.7 ) (0.3 ) Charge-offs 3.4 0.8 Recoveries (0.7 ) (0.5 ) Balance at end of period $ (2.4 ) $ (1.7 ) For the Six Months Ended June 30, 2024 2023 Allowances for credit losses: Balance at beginning of period $ (1.8 ) $ (1.6 ) Provision for credit losses (4.7 ) (1.0 ) Charge-offs 5.3 1.8 Recoveries (1.2 ) (0.9 ) Balance at end of period $ (2.4 ) $ (1.7 ) June 30, December 31, As of 2024 2023 Allowances for credit losses: Balance at end of period individually evaluated for impairment $ (0.6 ) $ — Balance at end of period collectively evaluated for impairment $ (1.8 ) $ (1.8 ) Loans at amortized cost: Loans at amortized cost $ 118.0 $ 118.0 Loans at amortized cost individually evaluated for impairment $ 0.6 $ — Loans at amortized cost collectively evaluated for impairment $ 117.4 $ 118.0 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 at amortized cost (in millions) as of June 30, 2024 December 31, 2023 June 30, December 31, As of 2024 2023 30-59 days past due $ 9.2 $ 9.4 60-89 days past due 3.8 3.4 90 or more days past due 4.9 3.5 Delinquent loans at amortized cost 17.9 16.3 Current loans at amortized cost 100.1 101.7 Total loans at amortized cost $ 118.0 $ 118.0 Balance of loans greater than 90-days delinquent still accruing interest and fees $ 2.8 $ 2.6 Loan Modifications and Restructurings We review our Loans at amortized cost, net, associated with our Auto Finance segment’s operations to determine if any modifications for borrowers experiencing financial difficulty were made that would qualify the receivable as a Financial Difficulty Modification ("FDM"). This could include a restructuring of the loan terms to alleviate the burden of the borrower's near-term cash requirements, such as a modification of terms to reduce or defer cash payments to help the borrower attempt to improve its financial condition. For the six June 30, 2024, no
Income Tax, Policy [Policy Text Block]	Income Taxes We experienced effective tax rates of 15.6% and 18.5% for the three six June 30, 2024, three six June 30, 2023, Our effective tax rates for the three six June 30, 2024 1 2 three June 30, 2024, 1 three June 30, 2024 2 3 162 1986, Our effective tax rates for the three six June 30, 2023 1 2 3 4 We report interest expense associated with our income tax liabilities (including accrued liabilities for uncertain tax positions) within our income tax line item on our condensed consolidated statements of income. We likewise report within such line item the reversal of interest expense associated with our accrued liabilities for uncertain tax positions to the extent we resolve such liabilities in a manner favorable to our accruals therefor. Our interest expense was $93 thousand for the six June 30, 2024, six June 30, 2023.
Revenue from Contract with Customer [Policy Text Block]	Revenue from Contracts with Customers Revenue from contracts with customers is included in Other revenue on our condensed consolidated statements of income. Components (in thousands) of our revenue from contracts with customers are as follows: For the Three Months Ended June 30, 2024 CaaS Auto Finance Total Interchange revenues, net (1) $ 4,783 $ — $ 4,783 Servicing income 1,849 190 2,039 Service charges and other customer related fees 6,948 16 6,964 Total revenue from contracts with customers $ 13,580 $ 206 $ 13,786 ( 1 For the Six Months Ended June 30, 2024 CaaS Auto Finance Total Interchange revenues, net (1) $ 9,447 $ — $ 9,447 Servicing income 3,184 390 3,574 Service charges and other customer related fees 12,627 33 12,660 Total revenue from contracts with customers $ 25,258 $ 423 $ 25,681 ( 1 For the Three Months Ended June 30, 2023 CaaS Auto Finance Total Interchange revenues, net (1) $ 5,003 $ — $ 5,003 Servicing income 636 189 825 Service charges and other customer related fees 1,989 18 2,007 Total revenue from contracts with customers $ 7,628 $ 207 $ 7,835 ( 1 For the Six Months Ended June 30, 2023 CaaS Auto Finance Total Interchange revenues, net (1) $ 9,619 $ — $ 9,619 Servicing income 1,341 380 1,721 Service charges and other customer related fees 3,382 37 3,419 Total revenue from contracts with customers $ 14,342 $ 417 $ 14,759 ( 1
New Accounting Pronouncements, Policy [Policy Text Block]	Recent Accounting Pronouncements In December 2023, 2023 09, 740 740" 740 740 December 15, 2024. not In November 2023, 2023 07, 280 280" 280 one December 15, 2023, December 15, 2024. On March 31, 2022, 2022 02, 326 326 326 326 326 January 1, 2023. 326 not

Note 2 - Significant Accounti_2

Note 2 - Significant Accounting Policies and Condensed Consolidated Financial Statement Components (Tables)	6 Months Ended
	Jun. 30, 2024
Notes Tables
Financing Receivable, Current, Allowance for Credit Loss [Table Text Block]	For the Three Months Ended June 30, 2024 2023 Allowances for credit losses: Balance at beginning of period $ (3.4 ) $ (1.7 ) Provision for credit losses (1.7 ) (0.3 ) Charge-offs 3.4 0.8 Recoveries (0.7 ) (0.5 ) Balance at end of period $ (2.4 ) $ (1.7 ) For the Six Months Ended June 30, 2024 2023 Allowances for credit losses: Balance at beginning of period $ (1.8 ) $ (1.6 ) Provision for credit losses (4.7 ) (1.0 ) Charge-offs 5.3 1.8 Recoveries (1.2 ) (0.9 ) Balance at end of period $ (2.4 ) $ (1.7 ) June 30, December 31, As of 2024 2023 Allowances for credit losses: Balance at end of period individually evaluated for impairment $ (0.6 ) $ — Balance at end of period collectively evaluated for impairment $ (1.8 ) $ (1.8 ) Loans at amortized cost: Loans at amortized cost $ 118.0 $ 118.0 Loans at amortized cost individually evaluated for impairment $ 0.6 $ — Loans at amortized cost collectively evaluated for impairment $ 117.4 $ 118.0
Financing Receivable, Past Due [Table Text Block]	June 30, December 31, As of 2024 2023 30-59 days past due $ 9.2 $ 9.4 60-89 days past due 3.8 3.4 90 or more days past due 4.9 3.5 Delinquent loans at amortized cost 17.9 16.3 Current loans at amortized cost 100.1 101.7 Total loans at amortized cost $ 118.0 $ 118.0 Balance of loans greater than 90-days delinquent still accruing interest and fees $ 2.8 $ 2.6
Disaggregation of Revenue [Table Text Block]	For the Three Months Ended June 30, 2024 CaaS Auto Finance Total Interchange revenues, net (1) $ 4,783 $ — $ 4,783 Servicing income 1,849 190 2,039 Service charges and other customer related fees 6,948 16 6,964 Total revenue from contracts with customers $ 13,580 $ 206 $ 13,786 For the Six Months Ended June 30, 2024 CaaS Auto Finance Total Interchange revenues, net (1) $ 9,447 $ — $ 9,447 Servicing income 3,184 390 3,574 Service charges and other customer related fees 12,627 33 12,660 Total revenue from contracts with customers $ 25,258 $ 423 $ 25,681 For the Three Months Ended June 30, 2023 CaaS Auto Finance Total Interchange revenues, net (1) $ 5,003 $ — $ 5,003 Servicing income 636 189 825 Service charges and other customer related fees 1,989 18 2,007 Total revenue from contracts with customers $ 7,628 $ 207 $ 7,835 For the Six Months Ended June 30, 2023 CaaS Auto Finance Total Interchange revenues, net (1) $ 9,619 $ — $ 9,619 Servicing income 1,341 380 1,721 Service charges and other customer related fees 3,382 37 3,419 Total revenue from contracts with customers $ 14,342 $ 417 $ 14,759

Note 3 - Segment Reporting (Tab

Note 3 - Segment Reporting (Tables)	6 Months Ended
	Jun. 30, 2024
Notes Tables
Schedule of Segment Reporting Information, by Segment [Table Text Block]	Three Months Ended June 30, 2024 CaaS Auto Finance Total Revenue: Consumer loans, including past due fees $ 232,014 $ 10,335 $ 242,349 Fees and related income on earning assets 59,484 22 59,506 Other revenue 13,582 204 13,786 Total operating revenue 305,080 10,561 315,641 Other non-operating revenue 79 303 382 Total revenue 305,159 10,864 316,023 Interest expense (37,126 ) (822 ) (37,948 ) Provision for credit losses — (1,746 ) (1,746 ) Changes in fair value of loans (186,251 ) — (186,251 ) Net margin $ 81,782 $ 8,296 $ 90,078 Income before income taxes $ 26,180 $ 2,423 $ 28,603 Income tax expense $ (3,836 ) $ (640 ) $ (4,476 ) Six Months Ended June 30, 2024 CaaS Auto Finance Total Revenue: Consumer loans, including past due fees $ 452,053 $ 20,670 $ 472,723 Fees and related income on earning assets 107,369 42 107,411 Other revenue 25,259 422 25,681 Total operating revenue 584,681 21,134 605,815 Other non-operating revenue 361 553 914 Total revenue 585,042 21,687 606,729 Interest expense (71,362 ) (1,649 ) (73,011 ) Provision for credit losses — (4,690 ) (4,690 ) Changes in fair value of loans (345,422 ) — (345,422 ) Net margin $ 168,258 $ 15,348 $ 183,606 Income before income taxes $ 57,994 $ 3,430 $ 61,424 Income tax expense $ (10,577 ) $ (901 ) $ (11,478 ) Total assets $ 2,733,909 $ 103,352 $ 2,837,261 Three Months Ended June 30, 2023 CaaS Auto Finance Total Revenue: Consumer loans, including past due fees $ 210,268 $ 9,774 $ 220,042 Fees and related income on earning assets 62,852 22 62,874 Other revenue 7,627 208 7,835 Total operating revenue 280,747 10,004 290,751 Other non-operating revenue 89 (2 ) 87 Total revenue 280,836 10,002 290,838 Interest expense (23,363 ) (852 ) (24,215 ) Provision for credit losses — (309 ) (309 ) Changes in fair value of loans (177,829 ) — (177,829 ) Net margin $ 79,644 $ 8,841 $ 88,485 Income before income taxes $ 28,883 $ 3,130 $ 32,013 Income tax expense $ (6,346 ) $ (853 ) $ (7,199 ) Six Months Ended June 30, 2023 CaaS Auto Finance Total Revenue: Consumer loans, including past due fees $ 410,797 $ 18,946 $ 429,743 Fees and related income on earning assets 107,191 40 107,231 Other revenue 14,342 417 14,759 Total operating revenue 532,330 19,403 551,733 Other non-operating revenue 103 43 146 Total revenue 532,433 19,446 551,879 Interest expense (46,823 ) (1,626 ) (48,449 ) Provision for credit losses — (1,013 ) (1,013 ) Changes in fair value of loans (327,651 ) — (327,651 ) Net margin $ 157,959 $ 16,807 $ 174,766 Income before income taxes $ 60,736 $ 5,359 $ 66,095 Income tax expense $ (13,913 ) $ (1,474 ) $ (15,387 ) Total assets $ 2,355,177 $ 99,525 $ 2,454,702

Note 6 - Fair Values of Asset_2

Note 6 - Fair Values of Assets and Liabilities (Tables)	6 Months Ended
	Jun. 30, 2024
Notes Tables
Fair Value, Assets Measured on Recurring Basis [Table Text Block]	Assets – As of June 30, 2024 (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 at amortized cost, net for which it is practicable to estimate fair value and which are carried at net amortized cost $ — $ — $ 105,456 $ 97,469 Loans at fair value $ — $ — $ 2,277,379 $ 2,277,379 Assets – As of December 31, 2023 (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 at amortized cost, net for which it is practicable to estimate fair value and which are carried at net amortized cost $ — $ — $ 105,409 $ 98,425 Loans at fair value $ — $ — $ 2,173,759 $ 2,173,759
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Table Text Block]	Loans at Fair Value 2024 2023 Balance at January 1, $ 2,173,759 $ 1,817,976 Changes in fair value of loans at fair value, included in earnings 103,326 44,212 Changes in fair value due to principal charge-offs, net of recoveries (322,174 ) (256,000 ) Changes in fair value due to finance and fee charge-offs (126,574 ) (115,863 ) Purchases 1,203,662 1,157,313 Finance and fees, added to the account balance 501,038 453,766 Settlements (1,255,658 ) (1,185,341 ) Balance at June 30, $ 2,277,379 $ 1,916,063
Fair Value, Liabilities Measured on Recurring Basis [Table Text Block]	Liabilities – As of June 30, 2024 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 $ — $ — $ 1,856,114 $ 1,856,114 Amortizing debt facilities $ — $ — $ 22,957 $ 22,957 Senior notes, net $ 190,315 $ — $ — $ 199,496 Liabilities – As of December 31, 2023 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 $ — $ — $ 1,838,647 $ 1,838,647 Amortizing debt facilities $ — $ — $ 23,038 $ 23,038 Senior notes, net $ 138,229 $ — $ — $ 144,453
Fair Value Option, Disclosures [Table Text Block]	As of June 30, 2024 Loans at Fair Value Loans at Fair Value Pledged as Collateral under Structured Financings Aggregate unpaid gross balance of loans at fair value $ 396 $ 2,414,696 Aggregate unpaid principal balance included within loans at fair value $ 385 $ 2,196,823 Aggregate fair value of loans at fair value $ 396 $ 2,276,983 Aggregate fair value of loans at fair value that are 90 days or more past due (which also coincides with finance charge and fee non-accrual policies) $ — $ 25,489 Unpaid principal balance of loans at fair value that 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 $ 6 $ 131,505 As of December 31, 2023 Loans at Fair Value Loans at Fair Value Pledged as Collateral under Structured Financings Aggregate unpaid gross balance of loans at fair value $ 507 $ 2,410,748 Aggregate unpaid principal balance included within loans at fair value $ 491 $ 2,176,845 Aggregate fair value of loans at fair value $ 508 $ 2,173,251 Aggregate fair value of loans at fair value that are 90 days or more past due (which also coincides with finance charge and fee non-accrual policies) $ — $ 29,149 Unpaid principal balance of loans at fair value that 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 $ 9 $ 147,803

Note 7 - Variable Interest En_2

Note 7 - Variable Interest Entities (Tables)	6 Months Ended
	Jun. 30, 2024
Notes Tables
Schedule of Variable Interest Entities [Table Text Block]	As of June 30, 2024 December 31, 2023 Unrestricted cash and cash equivalents $ 146.0 $ 158.0 Restricted cash and cash equivalents 33.0 20.5 Loans at fair value 2,168.0 2,128.6 Total Assets held by VIEs $ 2,347.0 $ 2,307.1 Notes Payable, net held by VIEs $ 1,816.7 $ 1,795.9 Maximum exposure to loss due to involvement with VIEs $ 2,138.2 $ 2,099.0

Note 8 - Leases (Tables)

Note 8 - Leases (Tables)	6 Months Ended
	Jun. 30, 2024
Notes Tables
Lease, Cost [Table Text Block]	For the Three Months Ended June 30, For the Six Months Ended June 30, 2024 2023 2024 2023 Operating lease cost, gross $ 637 $ 637 $ 1,264 $ 1,276 Sublease income (24 ) (23 ) (48 ) (47 ) Net Operating lease cost $ 613 $ 614 $ 1,216 $ 1,229 Cash paid under operating leases, gross $ 752 $ 181 $ 1,499 $ 361 Weighted average remaining lease term - months 116 128 Weighted average discount rate 6.6 % 6.6 %
Operating Lease, Liability and Payments to be Received, Maturity [Table Text Block]	Gross Lease Payment Payments received from Sublease Net Lease Payment 2024 (excluding the six months ended June 30, 2024) $ 1,504 $ (49 ) $ 1,455 2025 2,903 (41 ) 2,862 2026 2,769 — 2,769 2027 2,638 — 2,638 2028 2,590 — 2,590 Thereafter 14,865 — 14,865 Total lease payments 27,269 (90 ) 27,179 Less imputed interest (7,590 ) Operating lease liabilities $ 19,679

Note 9 - Notes Payable (Tables)

Note 9 - Notes Payable (Tables)	6 Months Ended
	Jun. 30, 2024
Notes Tables
Schedule of Debt [Table Text Block]	As of June 30, 2024 December 31, 2023 Revolving credit facilities at a weighted average interest rate equal to 7.0 6.3 2,304.4 2,252.9 Revolving credit facility, not to exceed $ 65.0 December 1, 2026 $ 39.4 $ 42.7 Revolving credit facility, not to exceed $ 50.0 October 30, 2025 28.5 38.6 Revolving credit facility, not to exceed $ 100.0 December 15, 2025 — — Revolving credit facility, not to exceed $ 50.0 July 20, 2025 31.3 47.5 Revolving credit facility, not to exceed $ 20.0 December 11, 2024 20.0 14.3 Revolving credit facility, not to exceed $ 250.0 May 2024 — 250.0 Revolving credit facility, not to exceed $ 35.0 July 31, 2026 35.0 15.0 Revolving credit facility, not to exceed $ 300.0 December 15, 2026 300.0 300.0 Revolving credit facility, not to exceed $ 75.0 September 1, 2025 — — Revolving credit facility, not to exceed $ 300.0 May 15, 2026 300.0 300.0 Revolving credit facility, not to exceed $ 325.0 November 15, 2028 325.0 250.0 Revolving credit facility, not to exceed $ 100.0 August 5, 2024 — 50.0 Revolving credit facility, not to exceed $ 100.0 March 15, 2027 100.0 100.0 Revolving credit facility, not to exceed $ 20.0 May 26, 2026 — — Revolving credit facility, not to exceed $ 300.0 February 15, 2028 300.0 300.0 Revolving credit facility, not to exceed $ 150.0 May 17, 2027 150.0 150.0 Revolving credit facility, not to exceed $ 250.0 November 15, 2028 250.0 — Other facilities Other debt 5.5 5.6 Unsecured term debt (expiring August 26, 2024 8.0 17.4 17.4 Total notes payable before unamortized debt issuance costs and discounts 1,902.1 1,881.1 Unamortized debt issuance costs and discounts (23.0 ) (19.4 ) Total notes payable outstanding, net $ 1,879.1 $ 1,861.7

Note 11 - Net Income Attribut_2

Note 11 - Net Income Attributable to Controlling Interests Per Common Share (Tables)	6 Months Ended
	Jun. 30, 2024
Notes Tables
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]	For the Three Months Ended For the Six Months Ended June 30, June 30, 2024 2023 2024 2023 Numerator: Net income attributable to controlling interests $ 24,280 $ 25,089 $ 50,450 $ 51,301 Preferred stock and preferred unit dividends and discount accretion (6,308 ) (6,289 ) (12,600 ) (12,516 ) Net income attributable to common shareholders—basic 17,972 18,800 37,850 38,785 Effect of dilutive preferred stock dividends and discount accretion 596 598 1,193 1,190 Net income attributable to common shareholders—diluted $ 18,568 $ 19,398 $ 39,043 $ 39,975 Denominator: Basic (including unvested share-based payment awards) (1) 14,771 14,439 14,722 14,457 Effect of dilutive stock compensation arrangements and exchange of preferred stock 4,037 4,520 4,044 4,513 Diluted (including unvested share-based payment awards) (1) 18,808 18,959 18,766 18,970 Net income attributable to common shareholders per share—basic $ 1.22 $ 1.30 $ 2.57 $ 2.68 Net income attributable to common shareholders per share—diluted $ 0.99 $ 1.02 $ 2.08 $ 2.11

Note 12 - Stock-based Compens_2

Note 12 - Stock-based Compensation (Tables)	6 Months Ended
	Jun. 30, 2024
Notes Tables
Share-Based Payment Arrangement, Restricted Stock and Restricted Stock Unit, Activity [Table Text Block]	Number of Shares Weighted Average Grant Date Fair Value Outstanding at December 31, 2023 244,225 $ 32.75 Issued 213,921 $ 30.99 Vested (64,120 ) $ 33.08 Forfeited (4,285 ) $ 32.47 Outstanding at June 30, 2024 389,741 $ 31.73
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, 2023 223,406 $ 28.52 Issued — $ — Exercised (2,975 ) $ 15.30 Expired/Forfeited (2,000 ) $ 15.30 Outstanding at June 30, 2024 218,431 $ 28.82 1.7 $ 1,090,353 Exercisable at June 30, 2024 192,148 $ 27.07 1.6 $ 1,090,353

Note 2 - Significant Accounti_3

Note 2 - Significant Accounting Policies and Condensed Consolidated Financial Statement Components (Details Textual) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended		12 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Dec. 31, 2023
Payment for Acquisition, Loan and Lease, Held-for-Investment	$ 51,200	$ 55,300	$ 112,200	$ 120,300
Financing Receivable, Deferred Commitment Fee	$ 18,100		$ 18,100		$ 17,900
Weighted Average Remaining Accretion Period of Deferred Revenue (Month)			24 months		26 months
Effective Income Tax Rate Reconciliation, Percent	15.60%	22.30%	18.50%	23.10%
Unrecognized Tax Benefits, Interest on Income Taxes Expense			$ 93	$ 1,140

Note 2 - Significant Accounti_4

Note 2 - Significant Accounting Policies and Consolidated Financial Statement Components - Summary of Allowance for Uncollectible Loans and Fees Receivable (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Dec. 31, 2023
Balance at beginning of period	$ (3,400)	$ (1,700)	$ (1,800)	$ (1,600)
Provision for credit losses	(1,746)	(309)	(4,690)	(1,013)
Charge-offs	3,400	800	5,300	1,800
Recoveries	(700)	(500)	(1,200)	(900)
Balance at end of period	(2,400)	$ (1,700)	(2,400)	$ (1,700)
Balance at end of period individually evaluated for impairment	(600)		(600)		$ 0
Balance at end of period collectively evaluated for impairment	(1,800)		(1,800)		(1,800)
Loans at amortized cost individually evaluated for impairment	600		600		0
Loans at amortized cost collectively evaluated for impairment	117,400		117,400		118,000
Loans at Amortized Cost [Member]
Loans at amortized cost	$ 118,000		$ 118,000		$ 118,000

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 Millions	Jun. 30, 2024	Dec. 31, 2023
Balance of loans greater than 90-days delinquent still accruing interest and fees	$ 2.8	$ 2.6
Loans at Amortized Cost [Member]
Financing receivable, gross	118	118
Financial Asset, 30 to 59 Days Past Due [Member]
Financing receivable, gross	9.2	9.4
Financial Asset, 60 to 89 Days Past Due [Member]
Financing receivable, gross	3.8	3.4
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Financing receivable, gross	4.9	3.5
Financial Asset, Past Due [Member]
Financing receivable, gross	17.9	16.3
Financial Asset, Not Past Due [Member]
Financing receivable, gross	$ 100.1	$ 101.7

Note 2 - Significant Accounti_6

Note 2 - Significant Accounting Policies and Consolidated Financial Statement Components - Components of Revenue from Contracts with Customers (Details) - USD ($) $ in Thousands		3 Months Ended		6 Months Ended
		Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Revenue from contracts with customers		$ 13,786	$ 7,835	$ 25,681	$ 14,759
Credit and Debit Card [Member]
Revenue from contracts with customers	[1]	4,783	5,003	9,447	9,619
Servicing Income [Member]
Revenue from contracts with customers		2,039	825	3,574	1,721
Service Charges and Other Customer Related Fees [Member]
Revenue from contracts with customers		6,964	2,007	12,660	3,419
Credit and Other Investments [Member]
Revenue from contracts with customers		13,580	7,628	25,258	14,342
Credit and Other Investments [Member] | Credit and Debit Card [Member]
Revenue from contracts with customers	[1]	4,783	5,003	9,447	9,619
Credit and Other Investments [Member] | Servicing Income [Member]
Revenue from contracts with customers		1,849	636	3,184	1,341
Credit and Other Investments [Member] | Service Charges and Other Customer Related Fees [Member]
Revenue from contracts with customers		6,948	1,989	12,627	3,382
Auto Finance [Member]
Revenue from contracts with customers		206	207	423	417
Auto Finance [Member] | Credit and Debit Card [Member]
Revenue from contracts with customers	[1]	0	0	0	0
Auto Finance [Member] | Servicing Income [Member]
Revenue from contracts with customers		190	189	390	380
Auto Finance [Member] | Service Charges and Other Customer Related Fees [Member]
Revenue from contracts with customers		$ 16	$ 18	$ 33	$ 37
[1]Interchange revenue is presented net of customer reward expense.

Note 3 - Segment Reporting (Det

Note 3 - Segment Reporting (Details Textual)	6 Months Ended
	Jun. 30, 2024
Number of Reportable Segments	2

Note 3 - Segment Reporting - Su

Note 3 - Segment Reporting - Summary of Operating Segment Information (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Dec. 31, 2023
Consumer loans, including past due fees	$ 242,349	$ 220,042	$ 472,723	$ 429,743
Fees and related income on earning assets	59,506	62,874	107,411	107,231
Other revenue	13,786	7,835	25,681	14,759
Total operating revenue	315,641	290,751	605,815	551,733
Other non-operating revenue	382	87	914	146
Total revenue	316,023	290,838	606,729	551,879
Interest expense	(37,948)	(24,215)	(73,011)	(48,449)
Provision for credit losses	(1,746)	(309)	(4,690)	(1,013)
Changes in fair value of loans	(186,251)	(177,829)	(345,422)	(327,651)
Net margin	90,078	88,485	183,606	174,766
Income before income taxes	28,603	32,013	61,424	66,095
Income tax expense	(4,476)	(7,199)	(11,478)	(15,387)
Assets	2,837,261	2,454,702	2,837,261	2,454,702	$ 2,706,445
Credit and Other Investments [Member]
Consumer loans, including past due fees	232,014	210,268	452,053	410,797
Fees and related income on earning assets	59,484	62,852	107,369	107,191
Other revenue	13,582	7,627	25,259	14,342
Total operating revenue	305,080	280,747	584,681	532,330
Other non-operating revenue	79	89	361	103
Total revenue	305,159	280,836	585,042	532,433
Interest expense	(37,126)	(23,363)	(71,362)	(46,823)
Provision for credit losses	0	0	0	0
Changes in fair value of loans	(186,251)	(177,829)	(345,422)	(327,651)
Net margin	81,782	79,644	168,258	157,959
Income before income taxes	26,180	28,883	57,994	60,736
Income tax expense	(3,836)	(6,346)	(10,577)	(13,913)
Assets	2,733,909	2,355,177	2,733,909	2,355,177
Auto Finance [Member]
Consumer loans, including past due fees	10,335	9,774	20,670	18,946
Fees and related income on earning assets	22	22	42	40
Other revenue	204	208	422	417
Total operating revenue	10,561	10,004	21,134	19,403
Other non-operating revenue	303	(2)	553	43
Total revenue	10,864	10,002	21,687	19,446
Interest expense	(822)	(852)	(1,649)	(1,626)
Provision for credit losses	(1,746)	(309)	(4,690)	(1,013)
Changes in fair value of loans	0	0	0	0
Net margin	8,296	8,841	15,348	16,807
Income before income taxes	2,423	3,130	3,430	5,359
Income tax expense	(640)	(853)	(901)	(1,474)
Assets	$ 103,352	$ 99,525	$ 103,352	$ 99,525

Note 4 - Shareholders' Equity_2

Note 4 - Shareholders' Equity and Preferred Stock (Details Textual) - USD ($)		2 Months Ended	3 Months Ended		6 Months Ended
	Dec. 27, 2019	Jul. 31, 2021	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Dec. 29, 2023	Aug. 10, 2022
Stock Repurchased and Retired During Period, Shares (in shares)			49,203	105,447	67,236	177,801
Stock Repurchased and Retired During Period, Value			$ 1,300,000	$ 3,000,000	$ 1,800,000	$ 4,900,000
Proceeds from Issuance of Senior Long-Term Debt					54,559,000	0
Maximum [Member]
Common Stock Aggregate Offering Price							$ 50,000,000
Public Offering [Member] | Senior Notes 2026 [Member]
Proceeds from Issuance of Senior Long-Term Debt			$ 0	$ 0	$ 0	$ 0
Series B Preferred Stock [Member]
Stock Repurchased and Retired During Period, Shares (in shares)			0	0	0	1,806
Stock Repurchased and Retired During Period, Value				$ 0		$ 29,000
Series B Preferred Stock [Member] | Maximum [Member]
Preferred Stock, Aggregate Offering Price								$ 100,000,000
Series B Preferred Stock [Member] | O2021A Dividends [Member]
Preferred Stock, Dividends Per Share, Declared (in dollars per share)		$ 1.90625
Series B Preferred Stock [Member] | Public Offering [Member]
Stock Issued During Period, Shares, New Issues (in shares)		3,188,533	0	2,100	44,143	53,427
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	$ 0	$ 0	$ 1,100,000	$ 1,100,000
Series A Preferred Stock [Member]
Preferred Stock, Dividend Rate, Percentage	6%
Series A Preferred Stock [Member] | Public Offering [Member]
Preferred Stock, Dividend Rate, Percentage		6%
Preferred Stock, Liquidation Preference Per Share (in dollars per share)		$ 100
Common Shares [Member] | Public Offering [Member]
Stock Issued During Period, Shares, New Issues (in shares)			0		0

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	Jun. 30, 2024	Dec. 31, 2023	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]
Preferred stock, shares issued (in shares)	400,000		400,000	400,000
Preferred stock, 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		Jun. 30, 2024	Dec. 31, 2023
Loans, interest and fees receivable, at fair value		$ 2,277,379	$ 2,173,759
Fair Value, Recurring [Member]
Loans at amortized cost, net for which it is practicable to estimate fair value and which are carried at net amortized cost	[1]	97,469	98,425
Loans, interest and fees receivable, at fair value	[1]	2,277,379	2,173,759
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]
Loans at amortized cost, 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 at amortized cost, 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 at amortized cost, net for which it is practicable to estimate fair value and which are carried at net amortized cost	[1]	105,456	105,409
Loans, interest and fees receivable, at fair value	[1]	$ 2,277,379	$ 2,173,759
[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	6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023
Balance	$ 2,173,759	$ 1,817,976
Changes in fair value of loans at fair value, included in earnings	103,326	44,212
Changes in fair value due to principal charge-offs, net of recoveries	(322,174)	(256,000)
Changes in fair value due to finance and fee charge-offs	(126,574)	(115,863)
Purchases	1,203,662	1,157,313
Finance and fees, added to the account balance	501,038	453,766
Settlements	(1,255,658)	(1,185,341)
Balance	$ 2,277,379	$ 1,916,063

Note 6 - Fair Values of Asset_5

Note 6 - Fair Values of Assets and Liabilities - Summary of Fair Value Hierarchy for Liabilities (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Revolving credit facilities	$ 1,856,114	$ 1,838,647
Amortizing debt facilities	22,957	23,038
Senior notes, net	199,496	144,453
Senior notes, net	199,496	144,453
Fair Value, Inputs, Level 1 [Member]
Revolving credit facilities	0	0
Amortizing debt facilities	0	0
Senior notes, net	190,315	138,229
Senior notes, net	190,315	138,229
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	1,856,114	1,838,647
Amortizing debt facilities	22,957	23,038
Senior notes, net	0	0
Senior notes, net	$ 0	$ 0

Note 6 - Fair Values of Asset_6

Note 6 - Fair Values of Assets and Liabilities - Summary of Other Relevant Data (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Loans, interest and fees receivable, at fair value	$ 2,277,379	$ 2,173,759
Loans and Fees Receivable at Fair Value [Member]
Aggregate unpaid gross balance of loans at fair value	396	507
Aggregate unpaid principal balance included within loans at fair value	385	491
Loans, interest and fees receivable, at fair value	396	508
Aggregate fair value of loans at fair value that are 90 days or more past due (which also coincides with finance charge and fee non-accrual policies)	0	0
Unpaid principal balance of loans at fair value that 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	6	9
Loans and Fees Receivable Pledged as Collateral, Fair Value [Member]
Aggregate unpaid gross balance of loans at fair value	2,414,696	2,410,748
Aggregate unpaid principal balance included within loans at fair value	2,196,823	2,176,845
Loans, interest and fees receivable, at fair value	2,276,983	2,173,251
Aggregate fair value of loans at fair value that are 90 days or more past due (which also coincides with finance charge and fee non-accrual policies)	25,489	29,149
Unpaid principal balance of loans at fair value that 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	$ 131,505	$ 147,803

Note 7 - Variable Interest En_3

Note 7 - Variable Interest Entities - Summary of Variable Interest Entities (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023	Jun. 30, 2023
Unrestricted cash and cash equivalents	$ 350,907	$ 339,338
Restricted cash and cash equivalents	56,256	44,315
Loans, interest and fees receivable, at fair value	2,277,379	2,173,759
Total Assets held by VIEs	2,837,261	2,706,445	$ 2,454,702
Notes Payable, net held by VIEs	1,879,071	1,861,685
Maximum exposure to loss due to involvement with VIEs	2,138,200	2,099,000
Variable Interest Entity, Primary Beneficiary [Member]
Unrestricted cash and cash equivalents	146,000	158,000
Restricted cash and cash equivalents	33,000	20,500
Loans, interest and fees receivable, at fair value	2,168,000	2,128,600
Total Assets held by VIEs	2,347,000	2,307,100
Notes Payable, net held by VIEs	$ 1,816,700	$ 1,795,900

Note 8 - Leases (Details Textua

Note 8 - Leases (Details Textual) - Operating Lease in Atlanta, Georgia [Member] $ in Millions	Aug. 31, 2021 USD ($) ft²
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

Note 8 - Leases - Lease Cost (D

Note 8 - Leases - Lease Cost (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Operating lease cost, gross	$ 637	$ 637	$ 1,264	$ 1,276
Sublease income	(24)	(23)	(48)	(47)
Net Operating lease cost	613	614	1,216	1,229
Cash paid under operating leases, gross	$ 752	$ 181	$ 1,499	$ 361
Weighted average remaining lease term - months (Month)	116 months	128 months	116 months	128 months
Weighted average discount rate	6.60%	6.60%	6.60%	6.60%

Note 8 - Leases - Maturities of

Note 8 - Leases - Maturities of Lease Liabilities (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
2024 (excluding the three months ended March 31, 2024), gross	$ 1,504
2024 (excluding the three months ended March 31, 2024), payments received from sublease	(49)
2024 (excluding the three months ended March 31, 2024), net lease payment	1,455
2025, gross	2,903
2025, payments received from sublease	(41)
2025, net lease payment	2,862
2026, gross	2,769
2026, payments received from sublease	0
2026, net lease payment	2,769
2027, gross	2,638
2027, payments received from sublease	0
2027, net lease payment	2,638
2028, gross	2,590
2028, payments received from sublease	0
2028, net lease payment	2,590
Thereafter, gross	14,865
Thereafter, payments received from sublease	0
Thereafter, net lease payment	14,865
Gross, gross	27,269
Sublease income, payments received from sublease	(90)
Total lease payments, net lease payment	27,179
Less imputed interest, gross	(7,590)
Operating lease liabilities	$ 19,679	$ 20,180

Note 9 - Notes Payable (Details

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

1 Months Ended

3 Months Ended

6 Months Ended

May 31, 2024

Nov. 30, 2023

Sep. 30, 2023

Sep. 30, 2022

May 31, 2022

Nov. 30, 2021

Sep. 30, 2021

Jun. 30, 2021

Oct. 31, 2020

Jun. 30, 2024

Jun. 30, 2023

Jun. 30, 2024

Jun. 30, 2023

Mar. 31, 2024

Feb. 29, 2024

Dec. 31, 2023

May 31, 2023

Aug. 31, 2022

Jan. 31, 2021

Aug. 31, 2019

Jun. 30, 2019

Dec. 31, 2018

Dec. 31, 2017

Oct. 31, 2015

Long-Term Line of Credit

$ 1,856,114

$ 1,856,114

$ 1,838,647

Proceeds from Issuance of Long-term Debt, Total

$ 250,000

Term Note [Member]

Long-term Debt, Total

$ 17,400

Debt Instrument, Interest Rate, Stated Percentage

8%

Second Term Facility [Member]

Line of Credit Facility, Maximum Borrowing Capacity

$ 75,000

Long-Term Line of Credit

$ 0

Debt Instrument, Interest Rate, Stated Percentage

2.75%

Asset Backed Securities, Term of Revolving Structure (Year)

24 months

Senior Notes 2026 [Member]

Debt Instrument, Interest Rate, Stated Percentage

6.125%

Debt Instrument, Face Amount

$ 150,000

Amortization of Debt Issuance Costs

300

$ 300

700

$ 700

Extinguishment of Debt, Amount

0

$ 800

400

$ 800

Senior Notes 2029 [Member]

Debt Instrument, Interest Rate, Stated Percentage

9.25%

Debt Instrument, Face Amount

$ 57,200

Amortization of Debt Issuance Costs

100

200

Revolving Credit Facility Expiring October 30, 2025 [Member]

Line of Credit Facility, Maximum Borrowing Capacity

50,000

[1]

50,000

[1]

50,000

$ 50,000

Long-Term Line of Credit

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

28,500

[1]

28,500

[1]

38,600

Revolving Credit Facility Expiring November 1, 2025 1[Member]

Line of Credit Facility, Maximum Borrowing Capacity

65,000

65,000

Long-Term Line of Credit

39,400

39,400

Revolving Credit Facility Expiring July 20, 2025 [Member]

Line of Credit Facility, Maximum Borrowing Capacity

50,000

[1]

50,000

[1]

50,000

$ 50,000

Long-Term Line of Credit

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

31,300

[1]

31,300

[1]

47,500

Revolving Credit Facility Expiring December 15, 2025 [Member]

Line of Credit Facility, Maximum Borrowing Capacity

100,000

[1]

100,000

[1]

100,000

$ 100,000

Long-Term Line of Credit

[2],[3],[4],[5],[6]

0

[1]

0

[1]

0

Revolving Credit Facility Expiring December 11, 2024 [Member]

Line of Credit Facility, Maximum Borrowing Capacity

20,000

[1]

20,000

[1]

20,000

$ 20,000

Long-Term Line of Credit

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

20,000

[1]

20,000

[1]

14,300

Revolving Credit Facility Expiring July 31, 2026 [Member]

Line of Credit Facility, Maximum Borrowing Capacity

35,000

[1]

35,000

[1]

35,000

$ 35,000

Long-Term Line of Credit

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

35,000

[1]

35,000

[1]

15,000

Revolving Credit Facility Expiring December 15, 2026 [Member]

Line of Credit Facility, Maximum Borrowing Capacity

300,000

[1]

300,000

[1]

300,000

Long-Term Line of Credit

[2],[3],[4],[6]

300,000

[1]

300,000

[1]

300,000

Proceeds from Issuance of Long-term Debt, Total

$ 300,000

Asset Backed Securities, Term of Revolving Structure (Year)

4 years

Asset Backed Securities, Weighted Average Interest Rate

4.24%

Revolving Credit Facility Expiring December 15, 2026 [Member] | Minimum [Member]

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

11 months

Revolving Credit Facility Expiring December 15, 2026 [Member] | Maximum [Member]

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

18 months

Revolving Credit Facility Expiring May 15, 2026 [Member]

Line of Credit Facility, Maximum Borrowing Capacity

300,000

[1]

300,000

[1]

300,000

Long-Term Line of Credit

[2],[3],[4],[6]

300,000

[1]

300,000

[1]

300,000

Proceeds from Issuance of Long-term Debt, Total

$ 300,000

Asset Backed Securities, Term of Revolving Structure (Year)

3 years

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

18 months

Asset Backed Securities, Weighted Average Interest Rate

3.53%

Revolving Credit Facility, Sold May 2022, Expiring November 15, 2028 [Member]

Line of Credit Facility, Maximum Borrowing Capacity

$ 325,000

325,000

[1]

325,000

[1]

325,000

Long-Term Line of Credit

[2],[3],[4],[5],[6]

325,000

[1]

325,000

[1]

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%

Revolving Credit Facility Expiring August 5, 2024 [Member]

Line of Credit Facility, Maximum Borrowing Capacity

$ 100,000

Long-Term Line of Credit

0

0

Revolving Credit Facility Expiring March 15, 2027 [Member]

Line of Credit Facility, Maximum Borrowing Capacity

100,000

[1]

100,000

[1]

100,000

Long-Term Line of Credit

[2],[3],[4],[6]

100,000

[1]

100,000

[1]

100,000

Proceeds from Issuance of Long-term Debt, Total

$ 100,000

Asset Backed Securities, Term of Revolving Structure (Year)

3 years

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

18 months

Asset Backed Securities, Weighted Average Interest Rate

7.32%

Revolving Credit Facility Expiring May 26, 2026 [Member]

Line of Credit Facility, Maximum Borrowing Capacity

20,000

[1]

20,000

[1]

20,000

$ 20,000

Long-Term Line of Credit

[2],[3],[4]

0

[1]

0

[1]

0

Revolving Credit Facility Expiring February 15, 2028 [Member]

Line of Credit Facility, Maximum Borrowing Capacity

300,000

[1]

300,000

[1]

300,000

Long-Term Line of Credit

[2],[3],[4],[6]

300,000

[1]

300,000

[1]

300,000

Proceeds from Issuance of Long-term Debt, Total

$ 300,000

Asset Backed Securities, Term of Revolving Structure (Year)

3 years

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

18 months

Asset Backed Securities, Weighted Average Interest Rate

9.51%

Revolving Credit Facility Expiring May 17, 2027 [Member]

Line of Credit Facility, Maximum Borrowing Capacity

150,000

[1]

150,000

[1]

150,000

Long-Term Line of Credit

[2],[3],[4],[6]

150,000

[1]

150,000

[1]

150,000

Proceeds from Issuance of Long-term Debt, Total

$ 150,000

Asset Backed Securities, Term of Revolving Structure (Year)

2 years

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

18 months

Asset Backed Securities, Weighted Average Interest Rate

9.39%

Revolving Credit Facility, Sold May 2024, Expiring November 15, 2028 [Member]

Line of Credit Facility, Maximum Borrowing Capacity

250,000

[1]

250,000

[1]

250,000

Long-Term Line of Credit

[2],[3],[4],[6]

$ 250,000

[1]

$ 250,000

[1]

$ 0

Proceeds from Issuance of Long-term Debt, Total

$ 250,000

Asset Backed Securities, Term of Revolving Structure (Year)

3 years

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

18 months

Asset Backed Securities, Weighted Average Interest Rate

8.86%

Prime Rate [Member]

Debt Instrument, Variable Rate

8.50%

8.50%

Prime Rate [Member] | Revolving Credit Facility Expiring July 31, 2026 [Member] | Minimum [Member]

Debt Instrument, Interest Rate, Stated Percentage

4%

4%

Secured Overnight Financing Rate (SOFR) [Member]

Debt Instrument, Variable Rate

5.33%

5.33%

Secured Overnight Financing Rate (SOFR) [Member] | Revolving Credit Facility Expiring October 30, 2025 [Member]

Debt Instrument, Basis Spread on Variable Rate

3%

Secured Overnight Financing Rate (SOFR) [Member] | Revolving Credit Facility Expiring November 1, 2025 1[Member] | Minimum [Member]

Debt Instrument, Basis Spread on Variable Rate

2.25%

Secured Overnight Financing Rate (SOFR) [Member] | Revolving Credit Facility Expiring November 1, 2025 1[Member] | Maximum [Member]

Debt Instrument, Basis Spread on Variable Rate

2.60%

Secured Overnight Financing Rate (SOFR) [Member] | Revolving Credit Facility Expiring July 20, 2025 [Member]

Debt Instrument, Basis Spread on Variable Rate

3.60%

Secured Overnight Financing Rate (SOFR) [Member] | Revolving Credit Facility Expiring December 15, 2025 [Member]

Debt Instrument, Basis Spread on Variable Rate

3.75%

Secured Overnight Financing Rate (SOFR) [Member] | Revolving Credit Facility Expiring August 5, 2024 [Member]

Debt Instrument, Basis Spread on Variable Rate

1.80%

Secured Overnight Financing Rate (SOFR) [Member] | Revolving Credit Facility Expiring May 26, 2026 [Member]

Debt Instrument, Basis Spread on Variable Rate

3.75%

[1]As of June 30, 2024, the Prime Rate was 8.50% and the Secured Overnight Financing Rate ("SOFR") was 5.33%.[2]Loans are associated with VIEs. See Note 7, "Variable Interest Entities" for more information.[3]Loans are subject to certain affirmative covenants tied to default rates and other performance metrics the failure of which could result in required early repayment of the remaining unamortized balances of the notes.[4]See below for additional information.[5]These notes reflect modifications to either extend the maturity date, increase the loan amount or both, and are treated as accounting modifications.[6]Creditors do not have recourse against the general assets of the Company but only to the collateral within the VIEs.

Note 9 - Notes Payable - Schedu

Note 9 - Notes Payable - Schedule of Notes Payable at Face Value and Notes Payable to Related Parties (Details) - USD ($) $ in Thousands		Jun. 30, 2024		Dec. 31, 2023
Revolving credit facilities		$ 1,856,114		$ 1,838,647
Amortizing debt facilities		22,957		23,038
Total notes payable before unamortized debt issuance costs and discounts		1,902,100	[1]	1,881,100
Unamortized debt issuance costs and discounts		(23,000)	[1]	(19,400)
Total notes payable outstanding, net		1,879,100	[1]	1,861,700
Other Secured Debt [Member]
Amortizing debt facilities		5,500	[1]	5,600
Phoenix [Member]
Unsecured term debt (expiring August 26, 2024) with a weighted average interest rate equal to 8.0% (3)	[2]	17,400	[1]	17,400
Revolving Credit Facility Expiring December 1, 2026 [Member]
Revolving credit facilities	[2],[3],[4]	39,400	[1]	42,700
Revolving Credit Facility Expiring October 30, 2025 [Member]
Revolving credit facilities	[2],[4],[5],[6]	28,500	[1]	38,600
Revolving Credit Facility Expiring December 15, 2025 [Member]
Revolving credit facilities	[2],[4],[5],[6],[7]	0	[1]	0
Revolving Credit Facility Expiring July 20, 2025 [Member]
Revolving credit facilities	[2],[4],[5],[6]	31,300	[1]	47,500
Revolving Credit Facility Expiring December 11, 2024 [Member]
Revolving credit facilities	[2],[4],[5],[6]	20,000	[1]	14,300
Revolving Credit Facility, Paid Off May, 2024 [Member]
Revolving credit facilities				250,000
Revolving Credit Facility Expiring July 31, 2026 [Member]
Revolving credit facilities	[2],[4],[5],[6]	35,000	[1]	15,000
Revolving Credit Facility Expiring December 15, 2026 [Member]
Revolving credit facilities	[2],[5],[6],[7]	300,000	[1]	300,000
Revolving Credit Facility Expiring September 1, 2025 [Member]
Revolving credit facilities	[2],[4],[5],[6],[7]	0	[1]	0
Revolving Credit Facility Expiring May 15, 2026 [Member]
Revolving credit facilities	[2],[5],[6],[7]	300,000	[1]	300,000
Revolving Credit Facility, Sold May 2022, Expiring November 15, 2028 [Member]
Revolving credit facilities	[2],[4],[5],[6],[7]	325,000	[1]	250,000
Revolving Credit Facility Expiring August 25, 2024 [Member]
Revolving credit facilities	[2],[5],[6],[7]	0	[1]	50,000
Revolving Credit Facility Expiring March 15, 2027 [Member]
Revolving credit facilities	[2],[5],[6],[7]	100,000	[1]	100,000
Revolving Credit Facility Expiring May 26, 2026 [Member]
Revolving credit facilities	[2],[5],[6]	0	[1]	0
Revolving Credit Facility Expiring February 15, 2028 [Member]
Revolving credit facilities	[2],[5],[6],[7]	300,000	[1]	300,000
Revolving Credit Facility Expiring May 17, 2027 [Member]
Revolving credit facilities	[2],[5],[6],[7]	150,000	[1]	150,000
Revolving Credit Facility, Sold May 2024, Expiring November 15, 2028 [Member]
Revolving credit facilities	[2],[5],[6],[7]	$ 250,000	[1]	$ 0
[1]As of June 30, 2024, the Prime Rate was 8.50% and the Secured Overnight Financing Rate ("SOFR") was 5.33%.[2]See below for additional information.[3]Loan is subject to certain affirmative covenants, including a coverage ratio, a leverage ratio and a collateral performance test, the failure of which could result in required early repayment of all or a portion of the outstanding balance by our CAR Auto Finance operations.[4]These notes reflect modifications to either extend the maturity date, increase the loan amount or both, and are treated as accounting modifications.[5]Loans are associated with VIEs. See Note 7, "Variable Interest Entities" for more information.[6]Loans are subject to certain affirmative covenants tied to default rates and other performance metrics the failure of which could result in required early repayment of the remaining unamortized balances of the notes.[7]Creditors do not have recourse against the general assets of the Company but only to the collateral within the VIEs.

Note 9 - Notes Payable - Sche_2

Note 9 - Notes Payable - Schedule of Notes Payable at Face Value and Notes Payable to Related Parties (Details) (Parentheticals) - USD ($) $ in Millions	6 Months Ended		12 Months Ended
	Jun. 30, 2024	[1]	Dec. 31, 2023	May 31, 2023	May 31, 2022	Jan. 31, 2021	Jun. 30, 2019	Dec. 31, 2018	Dec. 31, 2017	Oct. 31, 2015
Phoenix [Member]
Interest rate	8%		8%
Debt maturity	Aug. 26, 2024		Aug. 26, 2024
Revolving Credit Facility Expiring December 1, 2026 [Member]
Revolving credit facility, maximum borrowing capacity	$ 65		$ 65
Revolving credit facility, expiration date	Dec. 01, 2026		Dec. 01, 2026
Revolving Credit Facility [Member]
Amount of securing assets	$ 2,304.4		$ 2,252.9
Interest rate	7%		6.30%
Revolving Credit Facility Expiring October 30, 2025 [Member]
Revolving credit facility, maximum borrowing capacity	$ 50		$ 50							$ 50
Revolving credit facility, expiration date	Oct. 30, 2025		Oct. 30, 2025
Revolving Credit Facility Expiring December 15, 2025 [Member]
Revolving credit facility, maximum borrowing capacity	$ 100		$ 100					$ 100
Revolving credit facility, expiration date	Dec. 15, 2025		Dec. 15, 2025
Revolving Credit Facility Expiring July 20, 2025 [Member]
Revolving credit facility, maximum borrowing capacity	$ 50		$ 50						$ 50
Revolving credit facility, expiration date	Jul. 20, 2025		Jul. 20, 2025
Revolving Credit Facility Expiring December 11, 2024 [Member]
Revolving credit facility, maximum borrowing capacity	$ 20		$ 20				$ 20
Revolving credit facility, expiration date	Dec. 11, 2024		Dec. 11, 2024
Revolving Credit Facility, Paid Off May, 2024 [Member]
Revolving credit facility, maximum borrowing capacity			$ 250
Revolving credit facility, pay off date			May 31, 2024
Revolving Credit Facility Expiring July 31, 2026 [Member]
Revolving credit facility, maximum borrowing capacity	$ 35		$ 35			$ 35
Revolving credit facility, expiration date	Jul. 31, 2026		Jul. 31, 2026
Revolving Credit Facility Expiring December 15, 2026 [Member]
Revolving credit facility, maximum borrowing capacity	$ 300		$ 300
Revolving credit facility, expiration date	Dec. 15, 2026		Dec. 15, 2026
Revolving Credit Facility Expiring September 1, 2025 [Member]
Revolving credit facility, maximum borrowing capacity	$ 75		$ 75
Revolving credit facility, expiration date	Sep. 01, 2025		Sep. 01, 2025
Revolving Credit Facility Expiring May 15, 2026 [Member]
Revolving credit facility, maximum borrowing capacity	$ 300		$ 300
Revolving credit facility, expiration date	May 15, 2026		May 15, 2026
Revolving Credit Facility, Sold May 2022, Expiring November 15, 2028 [Member]
Revolving credit facility, maximum borrowing capacity	$ 325		$ 325		$ 325
Revolving credit facility, expiration date	Nov. 15, 2028		Nov. 15, 2028
Revolving Credit Facility Expiring August 25, 2024 [Member]
Revolving credit facility, maximum borrowing capacity	$ 100		$ 100
Revolving credit facility, expiration date	Aug. 05, 2024		Aug. 05, 2024
Revolving Credit Facility Expiring March 15, 2027 [Member]
Revolving credit facility, maximum borrowing capacity	$ 100		$ 100
Revolving credit facility, expiration date	Mar. 15, 2027		Mar. 15, 2027
Revolving Credit Facility Expiring May 26, 2026 [Member]
Revolving credit facility, maximum borrowing capacity	$ 20		$ 20	$ 20
Revolving credit facility, expiration date	May 26, 2026		May 26, 2026
Revolving Credit Facility Expiring February 15, 2028 [Member]
Revolving credit facility, maximum borrowing capacity	$ 300		$ 300
Revolving credit facility, expiration date	Feb. 15, 2028		Feb. 15, 2028
Revolving Credit Facility Expiring May 17, 2027 [Member]
Revolving credit facility, maximum borrowing capacity	$ 150		$ 150
Revolving credit facility, expiration date	May 17, 2027		May 17, 2027
Revolving Credit Facility, Sold May 2024, Expiring November 15, 2028 [Member]
Revolving credit facility, maximum borrowing capacity	$ 250		$ 250
Revolving credit facility, expiration date	Nov. 15, 2028		Nov. 15, 2028
[1]As of June 30, 2024, the Prime Rate was 8.50% and the Secured Overnight Financing Rate ("SOFR") was 5.33%.

Note 10 - Commitments and Con_2

Note 10 - Commitments and Contingencies (Details Textual) $ in Thousands	6 Months Ended
	Jun. 30, 2024 USD ($)	Dec. 31, 2023 USD ($)	Jun. 30, 2023 USD ($)
Assets	$ 2,837,261	$ 2,706,445	$ 2,454,702
Customer Concentration Risk [Member] | Private Label Credit Receivable [Member]
Number of Major Customers	5
Customer Concentration Risk [Member] | Private Label Credit Receivable [Member] | Five Largest Retail Partners [Member]
Concentration Risk, Percentage	70%
Asset Pledged as Collateral [Member] | Contractual Obligations [Member]
Assets	$ 23,200
Unfunded Individual Credit Commitment [Member]
Other Commitment	3,400,000
Unfunded Outstanding Floor-Plan Financing Commitment [Member]
Other Commitment	11,400
Credit Protection Program [Member]
Loss Contingency, Estimate of Possible Loss	$ 80,700

Note 11 - Net Income Attribut_3

Note 11 - Net Income Attributable to Controlling Interests Per Common Share (Details Textual) - shares	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Weighted Average Number of Shares, Unvested Share-based Payment Awards, Basic (in shares)	390,096	246,994	341,837	217,851
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount (in shares)	100,000	100,000	100,000	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	4,000,000	4,000,000

Note 11 - Net Income Attribut_4

Note 11 - Net Income Attributable to Controlling Interests Per Common Share - Summary of Earning Per Share (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands		3 Months Ended			6 Months Ended
		Jun. 30, 2024		Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Net income attributable to controlling interests		$ 24,280		$ 25,089	$ 50,450	$ 51,301
Preferred stock and preferred unit dividends and discount accretion		(6,308)		(6,289)	(12,600)	(12,516)
Net income attributable to common shareholders—basic		17,972		18,800	37,850	38,785
Effect of dilutive preferred stock dividends and discount accretion		596		598	1,193	1,190
Net income attributable to common shareholders—diluted		$ 18,568		$ 19,398	$ 39,043	$ 39,975
Basic (including unvested share-based payment awards) (1) (in shares)	[1]	14,771	[2]	14,439	14,722	14,457
Effect of dilutive stock compensation arrangements and exchange of preferred stock (in shares)		4,037		4,520	4,044	4,513
Diluted (including unvested share-based payment awards) (1) (in shares)	[1]	18,808		18,959	18,766	18,970
Net income attributable to common shareholders per common share—basic (in dollars per share)		$ 1.22		$ 1.3	$ 2.57	$ 2.68
Net income attributable to common shareholders per common share—diluted (in dollars per share)		$ 0.99		$ 1.02	$ 2.08	$ 2.11
[1]Shares related to unvested share-based payment awards included in our basic and diluted share counts were 293,578 for the three months ended March 31, 2024 compared to 188,384 for the three months ended March 31, 2023.[2]Shares related to unvested share-based payment awards included in our basic and diluted share counts were 390,096 and 341,837 for the three and six months ended June 30, 2024, respectively, compared to 246,994 and 217,851 for the three and six months ended June 30, 2023, respectively.

Note 12 - Stock-based Compens_3

Note 12 - Stock-based Compensation (Details Textual) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Dec. 31, 2023
Share-based Compensation, Tax Charges to Additional Paid in Capital From Exercise and Vesting	$ 0	$ 0	$ 0	$ 0
Restricted Stock [Member]
Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Grants in Period (in shares)	3,007		209,636	146,007
Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Forfeited in Period (in shares)		220
Share-Based Payment Arrangement, Expensed and Capitalized, Amount	$ 100	$ 0	$ 6,500	$ 3,600
Share-Based Payment Arrangement, Expense	1,000	800	1,900	1,500
Share-Based Payment Arrangement, Nonvested Award, Excluding Option, Cost Not yet Recognized, Amount	8,500		$ 8,500
Share-Based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Period for Recognition (Year)			3 years 6 months
Restricted Stock [Member] | Minimum [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period (Month)			12 months
Restricted Stock [Member] | Maximum [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period (Month)			60 months
Share-Based Payment Arrangement, Option [Member]
Share-Based Payment Arrangement, Expense	$ 100	$ 200	$ 100	$ 400
Share-Based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Period for Recognition (Year)			0 years
Share-based Compensation Arrangement by Share-based Payment Award, Expiration Period (Year)			10 years
Share-Based Compensation Arrangement by Share-Based Payment Award, Shares Issued in Period (in shares)	0	0	0	0
Share-Based Payment Arrangement, Nonvested Award, Option, Cost Not yet Recognized, Amount	$ 0		$ 0		$ 100
Employee Stock Purchase Plan [Member]
Share-Based Compensation Arrangement by Share-Based Payment Award, Number of Shares Authorized (in shares)	500,000		500,000
Share-Based Compensation Arrangement by Share-Based Payment Award, Number of Shares Available for Grant (in shares)	44,652		44,652
The Fourth Amended 2014 Plan [Member]
Share-Based Compensation Arrangement by Share-Based Payment Award, Number of Shares Authorized (in shares)	5,750,000		5,750,000
Share-Based Compensation Arrangement by Share-Based Payment Award, Number of Shares Available for Grant (in shares)	1,945,463		1,945,463

Note 12 - Stock-based Compens_4

Note 12 - Stock-based Compensation - Summary of Restricted Stock and Restricted Stock Units (Details) - Restricted Stock and Restricted Stock Units [Member]	6 Months Ended
	Jun. 30, 2024 $ / shares shares
Outstanding (in shares) | shares	244,225
Outstanding, weighted average grant date fair value (in dollars per share) | $ / shares	$ 32.75
Issued (in shares) | shares	213,921
Issued, weighted average grant date fair value (in dollars per share) | $ / shares	$ 30.99
Vested (in shares) | shares	(64,120)
Vested, weighted average grant date fair value (in dollars per share) | $ / shares	$ 33.08
Forfeited (in shares) | shares	(4,285)
Forfeited, weighted average grant date fair value (in dollars per share) | $ / shares	$ 32.47
Outstanding (in shares) | shares	389,741
Outstanding, weighted average grant date fair value (in dollars per share) | $ / shares	$ 31.73

Note 12 - Stock-based Compens_5

Note 12 - Stock-based Compensation - Summary of Outstanding Options (Details) - USD ($)	6 Months Ended
	Jun. 30, 2024
Outstanding (in shares)	223,406
Outstanding, weighted average exercise price (in dollars per share)	$ 28.52
Issued (in shares)	0
Issued, weighted average exercise price (in dollars per share)	$ 0
Exercised (in shares)	(2,975)
Exercised, weighted average exercise price (in dollars per share)	$ 15.3
Expired/Forfeited (in shares)	(2,000)
Expired/Forfeited, weighted average exercise price (in dollars per share)	$ 15.3
Outstanding (in shares)	218,431
Outstanding, weighted average exercise price (in dollars per share)	$ 28.82
Outstanding, weighted average remaining contractual life (Year)	1 year 8 months 12 days
Outstanding, aggregate intrinsic value	$ 1,090,353
Exercisable (in shares)	192,148
Exercisable, weighted average exercise price (in dollars per share)	$ 27.07
Exercisable, weighted average remaining contractual life (Year)	1 year 7 months 6 days
Exercisable, aggregate intrinsic value	$ 1,090,353