Enova International (ENVA) 10-K 18 Feb 25 2024 FY Annual report Financial data

Document and Entity Information

Document and Entity Information - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Feb. 13, 2025	Jun. 30, 2024
Document Information [Line Items]
Document Type	10-K
Amendment Flag	false
Document Period End Date	Dec. 31, 2024
Document Fiscal Year Focus	2024
Document Fiscal Period Focus	FY
Trading Symbol	ENVA
Entity Registrant Name	Enova International, Inc.
Entity Central Index Key	0001529864
Current Fiscal Year End Date	--12-31
Entity Well-known Seasoned Issuer	No
Entity Current Reporting Status	Yes
Entity Voluntary Filers	No
Entity Filer Category	Large Accelerated Filer
Entity Emerging Growth Company	false
Entity Small Business	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		25,793,634
Entity Public Float			$ 1,578,803,860
Title of 12(b) Security	Common Stock, $.00001 par value per share
Name of Exchange of which registered	NYSE
Entity Interactive Data Current	Yes
Entity File Number	1-35503
Entity Incorporation, State or Country Code	DE
Entity Tax Identification Number	45-3190813
Entity Address, Address Line One	175 West Jackson Blvd.
Entity Address, City or Town	Chicago
Entity Address, State or Province	IL
Entity Address, Postal Zip Code	60604
City Area Code	312
Local Phone Number	568-4200
Document Transition Report	false
Document Annual Report	true
ICFR Auditor Attestation Flag	true
Document Financial Statement Error Correction [Flag]	false
Documents Incorporated by Reference	Portions of the Company’s Proxy Statement for the 2025 Annual Meeting of stockholders are incorporated by reference into Part III of this report.
Auditor Firm ID	34
Auditor Name	Deloitte & Touche LLP
Auditor Location	Chicago, Illinois
Auditor Opinion [Text Block]	Opinions on the Financial Statements and Internal Control over Financial Reporting We have audited the accompanying consolidated balance sheets of Enova International, Inc. and subsidiaries (the "Company") as of December 31, 2024 and 2023, the related consolidated statements of income, comprehensive income, stockholders' equity, and cash flows, for each of the three years in the period ended December 31, 2024, and the related notes (collectively referred to as the "financial statements"). We also have audited the Company’s internal control over financial reporting as of December 31, 2024, based on criteria established in Internal Control — Integrated Framework (2013) issued by the Committee of Sponsoring Organizations of the Treadway Commission (COSO). In our opinion, the financial statements referred to above present fairly, in all material respects, the financial position of the Company as of December 31, 2024 and 2023, and the results of its operations and its cash flows for each of the three years in the period ended December 31, 2024, in conformity with accounting principles generally accepted in the United States of America. Also, in our opinion, the Company maintained, in all material respects, effective internal control over financial reporting as of December 31, 2024, based on criteria established in Internal Control — Integrated Framework (2013) issued by COSO.

CONSOLIDATED BALANCE SHEETS

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands		Dec. 31, 2024	Dec. 31, 2023
Assets
Cash and cash equivalents	[1]	$ 73,910	$ 54,357
Restricted cash	[1]	248,758	323,082
Loans and finance receivables at fair value	[1]	4,386,444	3,629,167
Income taxes receivable		40,690	44,129
Other receivables and prepaid expenses	[1]	63,752	71,982
Property and equipment, net		119,956	108,705
Operating lease right-of-use asset		18,201	14,251
Goodwill		279,275	279,275
Intangible assets, net		10,951	19,005
Other assets	[1]	24,194	41,583
Total assets		5,266,131	4,585,536
Liabilities and Stockholders' Equity
Accounts payable and accrued expenses	[1]	249,970	261,156
Operating lease liability		32,165	27,042
Deferred tax liabilities, net		223,590	113,350
Long-term debt	[1]	3,563,482	2,943,805
Total liabilities		4,069,207	3,345,353
Commitments and contingencies (Note 10)
Stockholders' equity:
Common stock, $0.00001 par value, 250,000,000 shares authorized, 46,520,916 and 45,339,814 shares issued 25,808,096 and 29,089,258 outstanding as of December 31, 2024 and 2023, respectively		0	0
Preferred stock, $0.00001 par value, 25,000,000 shares authorized, no shares issued and outstanding
Additional paid in capital		328,268	284,256
Retained earnings		1,697,754	1,488,306
Accumulated other comprehensive loss		(13,691)	(6,264)
Treasury stock, at cost (20,712,820 and 16,250,556 shares as of December 31, 2024 and 2023, respectively)		(815,407)	(526,115)
Total stockholders' equity		1,196,924	1,240,183
Total liabilities and stockholders' equity		$ 5,266,131	$ 4,585,536
[1] Includes amounts in consolidated variable interest entities (“VIEs”) presented separately in the table below.

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) - $ / shares	Dec. 31, 2024	Dec. 31, 2023
Statement of Financial Position [Abstract]
Common stock, par value per share	$ 0.00001	$ 0.00001
Common stock, shares authorized	250,000,000	250,000,000
Common stock, shares issued	46,520,916	45,339,814
Common stock, shares outstanding	25,808,096	29,089,258
Preferred stock, par value per share	$ 0.00001	$ 0.00001
Preferred stock, shares authorized	25,000,000	25,000,000
Preferred stock, shares issued	0	0
Preferred stock, shares outstanding	0	0
Treasury stock, Shares	20,712,820	16,250,556

CONSOLIDATED BALANCE SHEETS (Co

CONSOLIDATED BALANCE SHEETS (Consolidated VIEs) - USD ($) $ in Thousands		Dec. 31, 2024	Dec. 31, 2023
Assets of consolidated VIEs, included in total assets above
Cash and cash equivalents	[1]	$ 73,910	$ 54,357
Restricted cash	[1]	248,758	323,082
Loans and finance receivables at fair value	[1]	4,386,444	3,629,167
Other receivables and prepaid expenses	[1]	63,752	71,982
Other assets	[1]	24,194	41,583
Total assets		5,266,131	4,585,536
Liabilities of consolidated VIEs, included in total liabilities above
Accounts payable and accrued expenses	[1]	249,970	261,156
Long-term debt	[1]	3,563,482	2,943,805
Total liabilities		4,069,207	3,345,353
Variable Interest Entity, Primary Beneficiary
Assets of consolidated VIEs, included in total assets above
Cash and cash equivalents		348	315
Restricted cash		217,344	135,980
Loans and finance receivables at fair value		3,048,561	2,656,049
Other receivables and prepaid expenses		26	6,792
Other assets		9,832	6,915
Total assets		3,276,111	2,806,051
Liabilities of consolidated VIEs, included in total liabilities above
Accounts payable and accrued expenses		11,300	10,469
Long-term debt		2,227,156	1,661,823
Total liabilities		$ 2,238,456	$ 1,672,292
[1] Includes amounts in consolidated variable interest entities (“VIEs”) presented separately in the table below.

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME - USD ($) shares in Thousands, $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Income Statement [Abstract]
Revenue	$ 2,657,800	$ 2,117,639	$ 1,736,085
Change in Fair Value	(1,128,351)	(887,717)	(618,521)
Net Revenue	1,529,449	1,229,922	1,117,564
Operating Expenses
Marketing	523,569	414,460	382,573
Operations and technology	224,391	194,905	173,668
General and administrative	156,524	160,265	140,464
Depreciation and amortization	40,207	38,157	36,867
Total Operating Expenses	944,691	807,787	733,572
Income from Operations	584,758	422,135	383,992
Interest expense, net	(290,442)	(194,779)	(115,887)
Foreign currency transaction (loss) gain, net	(1,064)	57	(645)
Equity method investment (loss) income	(16,460)	116	6,435
Other nonoperating expenses	(5,691)	(282)	(1,321)
Income before Income Taxes	271,101	227,247	272,574
Provision for income taxes	61,653	52,126	65,150
Net income	$ 209,448	$ 175,121	$ 207,424
Earnings per common share:
Basic	$ 7.78	$ 5.71	$ 6.42
Diluted	$ 7.43	$ 5.49	$ 6.19
Weighted average common shares outstanding:
Basic	26,920	30,673	32,290
Diluted	28,202	31,921	33,483

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Statement of Comprehensive Income [Abstract]
Net Income (Loss)		$ 209,448	$ 175,121	$ 207,424
Other comprehensive (loss) gain, net of tax:
Foreign currency translation (loss) gain	[1]	(7,919)	1,979	789
Unrealized gain (loss) on investments, net of tax		492	(2,253)	1,761
Total other comprehensive (loss) gain, net of tax		(7,427)	(274)	2,550
Comprehensive Income		$ 202,021	$ 174,847	$ 209,974
[1] Net of tax (provision) benefit of $ 2,483 , $ ( 637 ) and $ ( 209 ) for the years ended December 31, 2024, 2023 and 2022 , respectively.

CONSOLIDATED STATEMENTS OF CO_2

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Parenthetical) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Statement of Comprehensive Income [Abstract]
Tax benefit (provision) of foreign currency translation (loss) gain	$ 2,483	$ (637)	$ (209)

CONSOLIDATED STATEMENTS OF STOC

CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY - USD ($) $ in Thousands	Total	Common Stock	Additional Paid in Capital	Retained Earnings	Accumulated Other Comprehensive Loss	Treasury Stock
Balance at Dec. 31, 2021	$ 1,093,052		$ 225,689	$ 1,105,761	$ (8,540)	$ (229,858)
Balance, in shares at Dec. 31, 2021		43,424				(9,280)
Stock-based compensation expense	21,950		21,950
Shares issued for vested RSUs, in shares		640
Shares issued for stock option exercises	4,239		4,239
Shares issued for stock option exercises, in shares		263
Net Income (Loss)	207,424			207,424
Unrealized gain (loss) on investments, net of tax	1,761				1,761
Foreign currency translation (loss) gain, net of tax	789				789
Purchases of treasury shares, at cost	(143,070)					$ (143,070)
Purchases of treasury shares, at cost, in shares						(3,826,000)
Balance at Dec. 31, 2022	1,186,145		251,878	1,313,185	(5,990)	$ (372,928)
Balance, in shares at Dec. 31, 2022		44,327				(13,106)
Stock-based compensation expense	26,738		26,738
Shares issued for vested RSUs, in shares		624
Shares issued for stock option exercises	5,640		5,640
Shares issued for stock option exercises, in shares		389
Net Income (Loss)	175,121			175,121
Unrealized gain (loss) on investments, net of tax	(2,253)				(2,253)
Foreign currency translation (loss) gain, net of tax	1,979				1,979
Purchases of treasury shares, at cost	(153,187)					$ (153,187)
Purchases of treasury shares, at cost, in shares						(3,145,000)
Balance at Dec. 31, 2023	$ 1,240,183		284,256	1,488,306	(6,264)	$ (526,115)
Balance, in shares at Dec. 31, 2023	45,339,814	45,340				(16,251)
Stock-based compensation expense	$ 31,816		31,816
Shares issued for vested RSUs, in shares		617
Shares issued for stock option exercises	12,196		12,196
Shares issued for stock option exercises, in shares		564
Net Income (Loss)	209,448			209,448
Unrealized gain (loss) on investments, net of tax	492				492
Foreign currency translation (loss) gain, net of tax	(7,919)				(7,919)
Purchases of treasury shares, at cost	(289,292)					$ (289,292)
Purchases of treasury shares, at cost, in shares						(4,462,000)
Net income attributable to noncontrolling interest	209,448
Balance at Dec. 31, 2024	$ 1,196,924		$ 328,268	$ 1,697,754	$ (13,691)	$ (815,407)
Balance, in shares at Dec. 31, 2024	46,520,916	46,521				(20,713)

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Cash Flows from Operating Activities
Net income	$ 209,448	$ 175,121	$ 207,424
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	40,207	38,157	36,867
Amortization of deferred loan costs and debt discount	15,787	10,123	5,698
Change in fair value	1,119,214	879,351	612,154
Stock-based compensation expense	31,816	26,738	21,950
Write-down of equity method investment	16,552
Loss on sale of subsidiary			4,388
Incomplete transaction costs			710
Loss on early extinguishment of debt	5,690	282
Operating leases, net	1,173	(1,457)	(3,637)
Deferred income taxes, net	112,722	8,545	17,034
Changes in operating assets and liabilities:
Finance and service charges on loans and finance receivables	(12,513)	(44,169)	(32,317)
Other receivables, prepaid expenses and other assets	12,754	8,879	(24,335)
Accounts payable and accrued expenses	35,053	18,137	(2,843)
Current income taxes receivable/payable	(49,327)	47,162	50,905
Net cash provided by operating activities	1,538,576	1,166,869	893,998
Cash Flows from Investing Activities
Loans and finance receivables originated or acquired	(5,640,183)	(4,315,483)	(4,103,939)
Loans and finance receivables repaid	3,772,410	2,866,066	2,472,585
Capitalization of software development costs and purchases of fixed assets	(43,422)	(45,241)	(43,629)
Sale of subsidiary			8,713
Net cash used in investing activities	(1,911,195)	(1,494,658)	(1,666,270)
Cash Flows from Financing Activities
Borrowings under revolving line of credit	852,000	423,000	139,000
Repayments under revolving line of credit	(755,000)	(376,000)	(30,000)
Borrowings under securitization facilities	1,617,861	1,013,591	827,657
Repayments under securitization facilities	(1,046,424)	(679,190)	(65,487)
Issuance of senior notes	500,000	396,232
Repayments of senior notes	(544,393)	(81,123)
Debt issuance costs paid	(28,066)	(22,422)	(7,473)
Proceeds from exercise of stock options	12,196	5,640	4,239
Treasury shares purchased	(289,292)	(153,187)	(143,070)
Net cash provided by financing activities	318,882	526,541	724,866
Effect of exchange rates on cash	(1,034)	287	(77)
Net (decrease) increase in cash, cash equivalents and restricted cash	(54,771)	199,039	(47,483)
Cash, cash equivalents and restricted cash at beginning of year	377,439	178,400	225,883
Cash, cash equivalents and restricted cash at end of year	$ 322,668	$ 377,439	$ 178,400

Pay vs Performance Disclosure

Pay vs Performance Disclosure - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Pay vs Performance Disclosure
Net Income (Loss)	$ 209,448	$ 175,121	$ 207,424

Insider Trading Arrangements

Insider Trading Arrangements - shares		3 Months Ended
	Dec. 20, 2024	Dec. 31, 2024
Trading Arrangements, by Individual
Material Terms of Trading Arrangement	On December 20, 2024 , David Fisher , Chairman of the Board of Directors and Chief Executive Officer , adopted a written plan for the sale of up to 85,716 shares of the Company’s common stock that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c) under the Exchange Act. The plan will expire on February 18, 2026 , or on any earlier date on which all of the shares have been sold.
Name	David Fisher
Title	Chairman of the Board of Directors and Chief Executive Officer
Rule 10b5-1 Arrangement Adopted	true	false
Non-Rule 10b5-1 Arrangement Adopted		false
Adoption Date	December 20, 2024
Rule 10b5-1 Arrangement Terminated		false
Non-Rule 10b5-1 Arrangement Terminated		false
Expiration Date	February 18, 2026
Arrangement Duration	425 days
Aggregate Available	85,716
Rule 10B5 Arr Modified Flag		false
Non-Rule 10b5-1 Arrangement Modified		false

Insider Trading Policies and Pr

Insider Trading Policies and Procedures	Dec. 20, 2024
Insider Trading Policies and Procedures [Line Items]
Insider Trading Policies and Procedures Adopted	true

Cybersecurity Risk Management,

Cybersecurity Risk Management, Strategy and Governance	12 Months Ended
	Dec. 31, 2024
Cybersecurity Risk Management, Strategy, and Governance [Line Items]
Cybersecurity Risk Management Processes for Assessing, Identifying, and Managing Threats [Text Block]	ITE M 1C. CYBERSECURITY Our Board of Directors recognizes the critical importance of maintaining the trust and confidence of our customers, clients, business partners and employees. The Audit Committee of the Board in conjunction with the Board is actively involved in the oversight of risk, and cybersecurity represents an important component of our overall approach to risk management. Our cybersecurity policies, standards, processes and practices, which are based on recognized frameworks established by the National Institute of Standards and Technology and other applicable industry standards, are fully integrated into our overall risk management. In general, we seek to address cybersecurity risks through a comprehensive, cross-functional approach that is focused on preserving the confidentiality, integrity and availability of the information that we collect and store by seeking to identify, prevent and mitigate cybersecurity threats and effectively respond to cybersecurity incidents that may occur. Risk Management and Strategy Our cybersecurity risk management program is focused on the following key areas: • Governance. As discussed in more detail under the heading “Governance,” the Board's oversight of cybersecurity risk management is supported by the Audit Committee of the Board, which regularly reviews the Company’s cybersecurity risk management approach and interacts with various members of management. • Collaborative Approach. We use a comprehensive, cross-functional approach to identify, prevent and mitigate cybersecurity threats and incidents, and have implemented procedures designed to promptly escalate certain cybersecurity incidents so that decisions regarding the public disclosure and reporting of such incidents can be made by senior management in a timely manner. • Technical Safeguards. We deploy technical safeguards that are designed to protect our information systems from cybersecurity threats, including next-generation firewalls, intrusion prevention and detection systems, antimalware functionality and access controls, which are evaluated and improved through vulnerability assessments and cybersecurity threat intelligence. • Incident Response and Recovery Planning. We have established and maintain incident response and recovery plans that address our response to a cybersecurity incident, and such plans are evaluated on a regular basis. • Third-Party Risk Management. We maintain a comprehensive, risk-based approach to identifying and overseeing cybersecurity risks presented by third parties, including vendors, service providers and other external users of our systems, as well as the systems of third parties that could adversely impact our business in the event of a cybersecurity incident affecting those third-party systems. • Education and Awareness. We provide regular, mandatory training for personnel regarding cybersecurity threats as a means to equip our personnel with effective tools to address cybersecurity threats and to support this, we highlight best practices with a dedicated Cybersecurity month. We communicate the evolving information security policies, standards, processes and practices with personnel throughout the year. We engage in the periodic assessment and testing of our policies, standards, processes and practices that are designed to address cybersecurity threats and incidents. These efforts include audits, internal assessments, tabletop exercises, threat modeling, vulnerability testing and other exercises focused on evaluating the effectiveness of our cybersecurity measures and planning. We also engage third parties to perform assessments on our cybersecurity measures, including information security maturity assessments, audits and independent reviews of our information security control environment and operating effectiveness. The results of such assessments, audits and reviews are reported to the Audit Committee and we adjust our cybersecurity policies, standards, processes and practices as necessary based on the information provided by these assessments, audits and reviews. Although we devote significant resources to implementing, maintaining, testing and upgrading our cybersecurity systems and processes, these security measures do not provide absolute security. Despite our efforts to maintain an effective cybersecurity risk management program, it is possible that our cybersecurity risk mitigation and prevention efforts may not be able to adequately mitigate or prevent all possible security breaches, whether because of the use of new techniques that may not be known or recognized, because cyber-attacks can originate from a wide variety of sources, or for other reasons. As of the date of this Annual Report on Form 10-K, we are not aware of any cybersecurity incident that has materially affected or is reasonably likely to materially affect our business, strategy, results of operations or financial condition ; however, there can be no assurance that a cybersecurity incident that could have an adverse material impact on us will not occur in the future. See “Risk Factors—We are subject to cybersecurity risks and security breaches and may incur increasing costs in an effort to minimize those risks and to respond to cyber incidents.” Governance Board and Audit Committee Oversight The Board, in coordination with the Audit Committee, oversees our risk management process, including the management of risks arising from cybersecurity threats. The Audit Committee receives regular presentations and reports on cybersecurity risks, which address a wide range of topics including recent developments, evolving standards, vulnerability assessments, third-party and independent reviews, the threat environment, technological trends and information security considerations arising with respect to our peers and third parties. The Board also receives scheduled periodic reports both directly from management and through the Audit Committee. Our procedures require that the Board and the Audit Committee also receive prompt and timely information regarding any significant cybersecurity incident that meets established reporting thresholds, as well as ongoing updates, until it has been addressed, which allows the Board and Audit Committee to provide comprehensive oversight and guidance on critical cybersecurity issues. On a periodic basis, the Board and the Audit Committee discuss our approach to cybersecurity risk management with our Chief Analytics and Technology Officer (“CTO”), IT Risk Management team leader (“Head of IT Risk”) or other members of the IT Risk Management function. Management’s Role Our Head of IT Risk, with the CTO’s oversight, is primarily responsible for assessing, monitoring and managing material risks from cybersecurity threats and manages our IT Risk Management team. The Head of IT Risk is currently a Certified Information Systems Security Professional (CISSP), with a Master of Science in Digital Forensic Science and has 18 years of cybersecurity work experience. The members of our IT Risk Management team have an average of five years of cybersecurity work experience with degrees in information technology and computer engineering. The Head of IT Risk works closely with the CTO, including holding bi-weekly meetings, to discuss cybersecurity risks and any changes in our cybersecurity policies and practices. The CTO, Head of IT Risk and IT Risk Management function work collaboratively across our company to implement a program designed to protect our information systems from cybersecurity threats and to promptly respond to any cybersecurity incidents, if any, in accordance with our incident response and recovery plans.
Cybersecurity Risk Management Processes Integrated [Flag]	true
Cybersecurity Risk Management Processes Integrated [Text Block]	Our cybersecurity policies, standards, processes and practices, which are based on recognized frameworks established by the National Institute of Standards and Technology and other applicable industry standards, are fully integrated into our overall risk management. In general, we seek to address cybersecurity risks through a comprehensive, cross-functional approach that is focused on preserving the confidentiality, integrity and availability of the information that we collect and store by seeking to identify, prevent and mitigate cybersecurity threats and effectively respond to cybersecurity incidents that may occur.
Cybersecurity Risk Management Third Party Engaged [Flag]	true
Cybersecurity Risk Third Party Oversight and Identification Processes [Flag]	true
Cybersecurity Risk Materially Affected or Reasonably Likely to Materially Affect Registrant [Flag]	false
Cybersecurity Risk Board of Directors Oversight [Text Block]	Board and Audit Committee Oversight The Board, in coordination with the Audit Committee, oversees our risk management process, including the management of risks arising from cybersecurity threats. The Audit Committee receives regular presentations and reports on cybersecurity risks, which address a wide range of topics including recent developments, evolving standards, vulnerability assessments, third-party and independent reviews, the threat environment, technological trends and information security considerations arising with respect to our peers and third parties. The Board also receives scheduled periodic reports both directly from management and through the Audit Committee. Our procedures require that the Board and the Audit Committee also receive prompt and timely information regarding any significant cybersecurity incident that meets established reporting thresholds, as well as ongoing updates, until it has been addressed, which allows the Board and Audit Committee to provide comprehensive oversight and guidance on critical cybersecurity issues. On a periodic basis, the Board and the Audit Committee discuss our approach to cybersecurity risk management with our Chief Analytics and Technology Officer (“CTO”), IT Risk Management team leader (“Head of IT Risk”) or other members of the IT Risk Management function. Management’s Role Our Head of IT Risk, with the CTO’s oversight, is primarily responsible for assessing, monitoring and managing material risks from cybersecurity threats and manages our IT Risk Management team. The Head of IT Risk is currently a Certified Information Systems Security Professional (CISSP), with a Master of Science in Digital Forensic Science and has 18 years of cybersecurity work experience. The members of our IT Risk Management team have an average of five years of cybersecurity work experience with degrees in information technology and computer engineering. The Head of IT Risk works closely with the CTO, including holding bi-weekly meetings, to discuss cybersecurity risks and any changes in our cybersecurity policies and practices. The CTO, Head of IT Risk and IT Risk Management function work collaboratively across our company to implement a program designed to protect our information systems from cybersecurity threats and to promptly respond to any cybersecurity incidents, if any, in accordance with our incident response and recovery plans.
Cybersecurity Risk Board Committee or Subcommittee Responsible for Oversight [Text Block]	The Board, in coordination with the Audit Committee, oversees our risk management process, including the management of risks arising from cybersecurity threats. The Audit Committee receives regular presentations and reports on cybersecurity risks, which address a wide range of topics including recent developments, evolving standards, vulnerability assessments, third-party and independent reviews, the threat environment, technological trends and information security considerations arising with respect to our peers and third parties. The Board also receives scheduled periodic reports both directly from management and through the Audit Committee. Our procedures require that the Board and the Audit Committee also receive prompt and timely information regarding any significant cybersecurity incident that meets established reporting thresholds, as well as ongoing updates, until it has been addressed, which allows the Board and Audit Committee to provide comprehensive oversight and guidance on critical cybersecurity issues.
Cybersecurity Risk Process for Informing Board Committee or Subcommittee Responsible for Oversight [Text Block]	The Board also receives scheduled periodic reports both directly from management and through the Audit Committee.
Cybersecurity Risk Role of Management [Text Block]	Management’s Role Our Head of IT Risk, with the CTO’s oversight, is primarily responsible for assessing, monitoring and managing material risks from cybersecurity threats and manages our IT Risk Management team. The Head of IT Risk is currently a Certified Information Systems Security Professional (CISSP), with a Master of Science in Digital Forensic Science and has 18 years of cybersecurity work experience. The members of our IT Risk Management team have an average of five years of cybersecurity work experience with degrees in information technology and computer engineering. The Head of IT Risk works closely with the CTO, including holding bi-weekly meetings, to discuss cybersecurity risks and any changes in our cybersecurity policies and practices. The CTO, Head of IT Risk and IT Risk Management function work collaboratively across our company to implement a program designed to protect our information systems from cybersecurity threats and to promptly respond to any cybersecurity incidents, if any, in accordance with our incident response and recovery plans.
Cybersecurity Risk Management Positions or Committees Responsible [Flag]	true
Cybersecurity Risk Management Positions or Committees Responsible [Text Block]	The CTO, Head of IT Risk and IT Risk Management function work collaboratively across our company to implement a program designed to protect our information systems from cybersecurity threats and to promptly respond to any cybersecurity incidents, if any, in accordance with our incident response and recovery plans.
Cybersecurity Risk Management Expertise of Management Responsible [Text Block]	The Head of IT Risk is currently a Certified Information Systems Security Professional (CISSP), with a Master of Science in Digital Forensic Science and has 18 years of cybersecurity work experience. The members of our IT Risk Management team have an average of five years of cybersecurity work experience with degrees in information technology and computer engineering. The Head of IT Risk works closely with the CTO, including holding bi-weekly meetings, to discuss cybersecurity risks and any changes in our cybersecurity policies and practices. The CTO, Head of IT Risk and IT Risk Management function work collaboratively across our company to implement a program designed to protect our information systems from cybersecurity threats and to promptly respond to any cybersecurity incidents, if any, in accordance with our incident response and recovery plans.
Cybersecurity Risk Process for Informing Management or Committees Responsible [Text Block]	The Head of IT Risk works closely with the CTO, including holding bi-weekly meetings, to discuss cybersecurity risks and any changes in our cybersecurity policies and practices.
Cybersecurity Risk Management Positions or Committees Responsible Report to Board [Flag]	true

Significant Accounting Policies

Significant Accounting Policies	12 Months Ended
	Dec. 31, 2024
Accounting Policies [Abstract]
Significant Accounting Policies	1 . Significant Accounting Policies Nature of the Company Enova International, Inc. (“Enova”), formed on September 7, 2011, is an independent, publicly traded company, and the Company’s shares of common stock are listed on the New York Stock Exchange under the symbol “ENVA.” Enova and its subsidiaries (individually and collectively referred to herein as the “Company”) operate an internet-based lending platform to serve customers in need of cash to fulfill their financial responsibilities. Through a network of direct and indirect marketing channels, the Company offers funds to its customers through a variety of loan and finance receivable products that are primarily unsecured. The business is operated primarily through the internet to provide convenient, fully-automated financial solutions to its customers. As of December 31, 2024, the Company offered or arranged loans to consumers under the names “CashNetUSA” and “NetCredit” in 37 states in the United States and under the name “Simplic” in Brazil. The Company also offered financing to small businesses in 49 states and Washington D.C. in the United States under the names “OnDeck” and “Headway Capital.” The Company originates, guarantees or purchases consumer loans. Consumer loans provide customers with cash in their bank account, typically in exchange for an obligation to repay the amount advanced plus fees and/or interest. Consumer loans include installment loans and line of credit accounts. The Company provides or has provided financing to small businesses through either installment loans, a receivables purchase agreement product (“RPAs”) or a line of credit account. RPAs represent a right to receive future receivables from a small business. Small businesses receive funds in exchange for a portion of the business’ future receivables at an agreed upon discount. In contrast, lending is a commitment to repay principal and interest. “Loans and finance receivables” include consumer loans, small business loans and RPAs. Installment loans are loans written by the Company, by a third-party lender through the Company’s credit services organization or credit access business program (“CSO program” as further described below) that the Company guarantees or by a bank partner. Installment loans include longer-term loans that require the outstanding principal balance to be paid down in multiple installments. Line of credit accounts include draws made through the Company’s line of credit products. Through the Company’s CSO program, the Company provides services related to a third-party lender’s consumer loan products in Texas by acting as a credit services organization or credit access business on behalf of consumers in accordance with applicable state laws. Services offered under the CSO program include credit-related services such as arranging loans with independent third-party lenders and assisting in the preparation of loan applications and loan documents (“CSO loans”). Under the CSO program, the Company guarantees consumer loan payment obligations to the third-party lender in the event that the customer defaults on the loan, at which point, the loan is purchased by the Company. Prior to any potential purchase, CSO loans are not included in the Company’s consolidated balance sheets. The Company operates programs with certain banks to provide marketing services and loan servicing for near-prime unsecured consumer installment loans and line of credit accounts. Under the programs, the Company receives marketing and servicing fees while the bank receives an origination fee. The bank has the ability to sell and the Company has the option, but not the requirement, to purchase the loans the bank originates and, in the case of line of credit accounts, a participation interest in those accounts. The Company does not guarantee the performance of the loans and line of credit accounts originated by the bank. As part of the OnDeck business both prior and subsequent to Enova’s acquisition, OnDeck operates a program with a separate bank to provide marketing services and loan servicing for small business installment loans and line of credit accounts. Under the OnDeck program, the Company receives marketing fees while the bank receives origination fees and certain program fees. The bank has the ability to sell and the Company has the option, but not the requirement, to purchase the installment loans that the bank originates and, in the case of line of credit accounts, extensions under those line of credit accounts. The Company does not guarantee the performance of the loans originated by the bank. The Company operates a money transfer platform that allows customers to send money from the United States to Mexico, other Latin American countries and Asia. Revenue is generated through fees per transfer and an exchange rate spread. Basis of Presentation The consolidated financial statements of the Company included herein have been prepared on the basis of accounting principles generally accepted in the United States (“GAAP”) and reflect the historical results of operations and cash flows of the Company during each respective period. The consolidated financial statements include goodwill and intangible assets arising from businesses previously acquired. The financial information included herein may not be indicative of the consolidated financial position, operating results, changes in stockholders’ equity and cash flows of the Company in the future. Intercompany transactions are eliminated. Certain prior year amounts have been reclassified to conform to current year presentation. The Company consolidates any variable interest entity (“VIE”) where it has determined the Company is the primary beneficiary. The primary beneficiary is the entity which has both the power to direct the activities of the VIE that most significantly impact the VIE’s economic performance as well as the obligation to absorb losses or receive benefits of the entity that could potentially be significant to the VIE. Use of Estimates The preparation of these consolidated financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities, and disclosure of contingent assets and liabilities, at the dates of the consolidated financial statements and the reported amounts of revenue and expenses during the reporting periods. On an on-going basis, management evaluates its estimates and judgments, including those related to revenue recognition, fair value of loans and finance receivables, goodwill, long-lived and intangible assets, income taxes, contingencies and litigation. Management bases its estimates on historical experience, empirical data and on various other assumptions that are believed to be reasonable under the circumstances, the results of which form the basis for making judgments about the carrying values of assets and liabilities. Actual results may differ from these estimates. Foreign Currency Translations The functional currency for the Company’s subsidiaries that serve residents of Brazil is the Brazilian real. The assets and liabilities of these subsidiaries are translated into U.S. dollars at the exchange rate in effect at each balance sheet date, and the resulting adjustments are recorded in “Accumulated other comprehensive income (loss)” (“AOCI”) as a separate component of stockholders’ equity. Revenue and expenses are translated at the monthly average exchange rates occurring during each period. Cash and Cash Equivalents The Company considers deposits in banks and short-term investments with original maturities of 90 days or less as cash and cash equivalents. Restricted Cash The Company includes funds to be used for future debt payments relating to its securitization transactions and escrow deposits in restricted cash and cash equivalents. Cash, Cash Equivalents and Restricted Cash The following table provides a reconciliation of cash, cash equivalents and restricted cash to amounts reported within the consolidated balance sheets (in thousands): December 31, 2024 2023 2022 Cash and cash equivalents $ 73,910 $ 54,357 $ 100,165 Restricted cash 248,758 323,082 78,235 Total cash, cash equivalents and restricted cash $ 322,668 $ 377,439 $ 178,400 Revenue Recognition The Company recognizes revenue based on the financing products and services it offers and on loans it acquires. “Revenue” in the consolidated statements of income primarily includes: interest income, statement and draw fees on line of credit accounts, fees for services provided through the Company’s CSO program (“CSO fees”), revenue on RPAs, origination fees and other fees as permitted by applicable laws and pursuant to the agreement with the customer. Interest income is generally recognized on an effective yield basis over the contractual term of the loan on installment loans or the estimated outstanding period of the draw on line of credit accounts. Statement fees on line of credit accounts are similar to interest charges and are generally recognized similarly to interest income. Draw fees on line of credit accounts are generally recognized at the time of draw. Revenue on RPAs is recognized over the projected delivery term of the agreement. CSO fees are recognized over the term of the loan. Origination fees are charged to customers on certain installment loan products and are recognized upon origination. Loans and Finance Receivables The Company utilizes the fair value option on its entire loan and finance receivable portfolio. As such, loans and finance receivables are carried at fair value in the consolidated balance sheet with changes in fair value recorded in the consolidated income statement. To derive the fair value, the Company generally utilizes discounted cash flow analyses that factor in estimated losses, prepayments and servicing costs over the estimated duration of the underlying assets. Loss, prepayment and servicing cost assumptions are determined using historical loss data and include appropriate consideration of recent trends and anticipated future performance. Future cash flows are discounted using a rate of return that the Company believes a market participant would require. Accrued and unpaid interest and fees are included in “Loans and finance receivables at fair value” in the consolidated balance sheets. If a loan is renewed or refinanced, the renewal or refinanced loan is considered a new loan. The Company generally does not consider modifications that do not necessitate the customer to sign a new loan agreement to be new loans. Current and Delinquent Loans and Finance Receivables The Company classifies its loans and finance receivables as either current or delinquent. When a customer does not make a scheduled payment in full as of the due date, the receivable is considered delinquent. For the OnDeck portfolio, there is no accrual of interest income on loans when the customer misses their most recent payment. Excluding the OnDeck portfolio, there is no accrual of interest income on loans when a customer falls more than one payment behind. Loans may be returned to accrual status if the customer rectifies and the loan no longer meets non-accrual criteria. The Company allows for normal payment processing time before considering a loan delinquent but does not provide for any additional grace period. The Company offers certain forbearance options on its loan products with features such as payment deferrals without the incurrence of additional finance charges or late fees. If a loan is deemed to be current and the customer makes a deferral or payment modification, the loan is still deemed to be current until the next scheduled payment is missed. For consumer loans and finance receivables, the Company generally charges off a delinquent loan after 65 days past due, or earlier if deemed uncollectible at that point. For small business loans and finance receivables, the Company generally charges off a loan when it is probable that that it will be unable to collect all of the remaining principal payments, which is generally after 90 days of delinquency and 30 days of non-activity. Recoveries on loans and finance receivables that were previously charged off are generally recognized when collected or sold. Property and Equipment Property and equipment is recorded at cost. The cost of property retired or sold and the related accumulated depreciation are removed from the accounts, and any resulting gain or loss is recognized in the consolidated statements of income. Costs associated with repair and maintenance activities are expensed as incurred. Depreciation expense is generally provided on a straight-line basis, using the following estimated useful lives: Computer hardware and software 3 to 5 years Furniture, fixtures and equipment 3 to 7 years Leasehold improvements (1) 3 to 10 years (1) Leasehold improvements are depreciated over the lesser of the estimated useful life, remaining lease term, or 10 years. Software Development Costs The Company applies ASC 350-40, Internal Use Software (“ASC 350-40”), to its software purchase and development activities. Under ASC 350-40, eligible internal and external costs incurred for the development of computer software applications, as well as for upgrades and enhancements that result in additional functionality of the applications, are capitalized to “Property and equipment” on the consolidated balance sheets. Internal and external training and maintenance costs are charged to expense as incurred or over the related service period. When a software application is placed in service, the Company begins amortizing the related capitalized software costs using the straight-line method based on its estimated useful life, which generally ranges from three to five years . Goodwill Goodwill represents the excess of the purchase price over the fair value of the net tangible and identifiable intangible assets acquired in each business combination. In accordance with ASC 350, Intangibles—Goodwill and Other (“ASC 350”), the Company tests goodwill for potential impairment annually as of October 1 and between annual tests if an event occurs or circumstances change that would more likely than not reduce the fair value of a reporting unit below its carrying amount. The Company first assesses qualitative factors to determine whether it is necessary to perform the quantitative goodwill impairment test. In assessing the qualitative factors, management considers relevant events and circumstances including but not limited to macroeconomic conditions, industry and market environment, overall financial performance of the Company, cash flow from operating activities, market capitalization and stock price. If the Company determines that the quantitative impairment test is required, management uses the income approach to complete its annual goodwill assessment. The income approach uses future cash flows and estimated terminal values for the Company that are discounted using a market participant perspective to determine the fair value, which is then compared to the carrying value to determine if there is impairment. The income approach includes assumptions about revenue growth rates, operating margins and terminal growth rates discounted by an estimated weighted-average cost of capital derived from other publicly-traded companies that are similar but not identical from an operational and economic standpoint. Long-Lived Assets Other Than Goodwill An evaluation of the recoverability of property and equipment and intangible assets subject to amortization is performed whenever the facts and circumstances indicate that the carrying value may be impaired. An impairment loss is recognized if the future undiscounted cash flows associated with the asset and the estimated fair value of the asset are less than the asset’s corresponding carrying value. The amount of the impairment loss, if any, is the excess of the asset’s carrying value over its estimated fair value. The Company amortizes intangible assets subject to amortization on the basis of their expected periods of benefit, generally three to 20 years . The costs of start-up activities and organization costs are charged to expense as incurred. Investments in Unconsolidated Investees The Company owns a 20 % equity interest in On Deck Capital Australia PTY LTD (“OnDeck Australia”), which is recorded using the equity method of accounting. As of December 31, 2024 the carrying value of the Company’s ownership in OnDeck Australia was $ 0.1 million, which the Company included in “Other assets” on the consolidated balance sheets. As of December 31, 2023 , the carrying value of the Company’s investment in OnDeck Australia was $ 0.0 million. On February 24, 2021, the Company contributed the platform-as-service business assumed in the OnDeck acquisition to Linear Financial Technologies Holding LLC (“Linear”) in exchange for ownership units in that entity. The Company recorded its interest in Linear under the equity method of accounting and included it in “Other assets” on the consolidated balance sheets. In 2022, the Company recognized a gain of $ 11.0 million related to the sale by Linear of its operating company. In the third quarter of 2024, Linear was dissolved, with its sole assets, consisting of preferred shares in a separate company, being distributed to the holders of Linear’s ownership units. Concurrently in the third quarter of 2024, the separate company executed a capital raise in which the Company opted not to participate that resulted in the Company’s preferred shares having a substantially less preferential position in the separate company’s capital structure. Because of their subordinated position, the preferred shares were valued at $ 0 . As such, the Company recorded a loss of $ 16.6 million during 2024, which includes the carrying value of the investment of $ 16.1 million and the remaining unrealized loss of $ 0.5 million that had been recorded directly in accumulated other comprehensive income. As of December 31, 2024 and 2023 , the carrying value of the Company’s investment in Linear was $ 0 and $ 16.1 million, respectively. Equity method income has been included in “Equity method investment income” in the consolidated income statements. Marketing Expenses Marketing expenses consist of digital costs, lead purchase costs and offline marketing costs such as television and direct mail advertising. All marketing expenses are expensed as incurred. Operations and Technology Expenses Operations and technology expenses include all expenses related to the direct operations and technology infrastructure related to loan underwriting and processing. This includes, but is not limited to, contact center and operations personnel costs, software maintenance expense, underwriting data from third-party vendors, bank/transaction fees and collection costs. General and Administrative Expenses General and administrative expenses primarily include the Company’s corporate personnel costs, as well as legal, occupancy, and other related costs. Stock-Based Compensation The Company accounts for its stock-based employee compensation plans in accordance with ASC 718, Compensation—Stock Compensation (“ASC 718”). Under this guidance the fair value of share-based compensation is determined at the grant date and the recognition of the related expense is recorded over the period in which the share-based compensation vests. However, with respect to income taxes, the related deduction from taxes payable is based on the award’s intrinsic value at the time of exercise (for an option) or on the fair value upon vesting of the award (for restricted stock units), which can be either greater (creating an excess tax benefit) or less (creating a tax deficiency) than the deferred tax benefit that is recorded as compensation cost is recognized in the consolidated financial statements. These excess tax benefits (deficiencies) are recognized in “Provision for income taxes” in the period that the tax deduction arises. In the consolidated statement of cash flows, they are classified in operating activities in the same manner as other cash flows related to income taxes. Income Taxes The provision for income taxes is based on income before income taxes as reported for financial statement purposes. Deferred income taxes are provided for in accordance with the asset and liability method of accounting for income taxes in order to recognize the tax effects of temporary differences between the tax basis of an asset or liability and its reported amount in the consolidated financial statements. The Company accounts for uncertainty in income taxes in accordance with ASC 740, Income Taxes (“ASC 740”), which requires that a more-likely-than-not threshold (greater than 50 percent) be met before the benefit of a tax position may be recognized in the consolidated financial statements and prescribes how such benefit should be measured. The Company records interest and penalties related to tax matters as income tax expense in the consolidated statements of income. The Company performs an evaluation of the recoverability of its deferred tax assets on a quarterly basis. The Company establishes a valuation allowance if it is more likely than not that all or some portion of the deferred tax asset will not be realized. The Company analyzes several factors, including the nature and frequency of operating losses, the Company’s carryforward period for any losses, the reversal of future taxable temporary differences, the expected occurrence of future income or loss and the feasibility of available tax planning strategies to protect against the loss of deferred tax assets. See Note 9 for further discussion. Earnings Per Share Basic earnings per share is computed by dividing net income by the weighted average number of common shares outstanding during the year. Diluted earnings per share is calculated by giving effect to the potential dilution that could occur if securities or other contracts to issue common shares were exercised and converted into common shares during the year. Restricted stock units issued under the Company’s stock-based employee compensation plans are included in diluted shares upon the granting of the awards even though the vesting of shares will occur over time. The following table sets forth the reconciliation of numerators and denominators of basic and diluted earnings per share computations for the years ended December 31, 2024, 2023 and 2022 (in thousands, except per share amounts): Year Ended December 31, 2024 2023 2022 Numerator: Net Income $ 209,448 $ 175,121 $ 207,424 Denominator: Total weighted average basic shares 26,920 30,673 32,290 Shares applicable to stock-based compensation 1,282 1,248 1,193 Total weighted average diluted shares 28,202 31,921 33,483 Earnings per common share – basic $ 7.78 $ 5.71 $ 6.42 Earnings per common share – diluted $ 7.43 $ 5.49 $ 6.19 For the years ended December 31, 2024, 2023 and 2022 , 177,247 , 351,699 and 530,471 shares of common stock underlying stock options, respectively, were excluded from the calculation of diluted net earnings per share because their effect would have been antidilutive. For the year ended December 31, 2024 , there were 1,394 shares, for the year ended December 31, 2023 , there were 235,237 shares and for the year ended December 31, 2022 , there were no shares of common stock underlying restricted stock units that were excluded from the calculation of diluted net earnings per share because their effect would have been antidilutive.

Loans and Finance Receivables

Loans and Finance Receivables	12 Months Ended
	Dec. 31, 2024
Receivables [Abstract]
Loans and Finance Receivables	2 . Loans and Finance Receivables Revenue generated from the Company’s loans and finance receivables for the years ended December 31, 2024, 2023 and 2022 was as follows (in thousands): Year Ended December 31, 2024 2023 2022 Consumer loans and finance receivables revenue $ 1,576,821 $ 1,295,231 $ 1,065,033 Small business loans and finance receivables revenue 1,043,475 790,804 647,822 Total loans and finance receivables revenue 2,620,296 2,086,035 1,712,855 Other 37,504 31,604 23,230 Total Revenue $ 2,657,800 $ 2,117,639 $ 1,736,085 Loans and Finance Receivables at Fair Value The components of Company-owned loans and finance receivables at December 31, 2024 and 2023 were as follows (in thousands): As of December 31, 2024 Small Consumer Business Total Principal balance - accrual $ 1,210,042 $ 2,290,132 $ 3,500,174 Principal balance - non-accrual 143,972 166,298 310,270 Total principal balance 1,354,014 2,456,430 3,810,444 Accrued interest and fees 128,956 27,086 156,042 Loans and finance receivables at fair value - accrual 1,617,708 2,672,714 4,290,422 Loans and finance receivables at fair value - non-accrual 21,599 74,423 96,022 Loans and finance receivables at fair value 1,639,307 2,747,137 4,386,444 Difference between principal balance and fair value $ 285,293 $ 290,707 $ 576,000 As of December 31, 2023 Small Consumer Business Total Principal balance - accrual $ 1,019,057 $ 1,860,419 $ 2,879,476 Principal balance - non-accrual 119,871 155,388 275,259 Total principal balance 1,138,928 2,015,807 3,154,735 Accrued interest and fees 107,747 34,600 142,347 Loans and finance receivables at fair value - accrual 1,358,734 2,172,404 3,531,138 Loans and finance receivables at fair value - non-accrual 22,050 75,979 98,029 Loans and finance receivables at fair value $ 1,380,784 $ 2,248,383 $ 3,629,167 Difference between principal balance and fair value $ 241,856 $ 232,576 $ 474,432 As of December 31, 2024 and 2023 , the aggregate fair value of loans and finance receivables that are 90 days or more past due was $ 32.7 million, of which $ 16.6 million was in non-accrual status, and $ 24.3 million, of which $ 23.6 million was in non-accrual status, respectively. The aggregate unpaid principal balance for loans and finance receivables that are 90 days or more past due was $ 71.9 million and $ 43.6 million, respectively. Changes in the fair value of Company-owned loans and finance receivables during the years ended December 31, 2024 and 2023 were as follows (dollars in thousands): Year Ended December 31, 2024 Small Consumer Business Total Balance at beginning of period $ 1,380,784 $ 2,248,383 $ 3,629,167 Originations or acquisitions (1) 2,018,359 4,035,963 6,054,322 Interest and fees (2) 1,576,821 1,043,475 2,620,296 Repayments ( 2,564,901 ) ( 4,225,054 ) ( 6,789,955 ) Charge-offs, net (3) ( 785,317 ) ( 421,275 ) ( 1,206,592 ) Net change in fair value (3) 21,733 65,645 87,378 Effect of foreign currency translation ( 8,172 ) — ( 8,172 ) Balance at end of period $ 1,639,307 $ 2,747,137 $ 4,386,444 Year Ended December 31, 2023 Small Consumer Business Total Balance at beginning of period $ 1,083,062 $ 1,935,466 $ 3,018,528 Originations or acquisitions (1) 1,614,464 3,192,315 4,806,779 Interest and fees (2) 1,295,231 790,804 2,086,035 Repayments ( 2,024,570 ) ( 3,379,383 ) ( 5,403,953 ) Charge-offs, net (3) ( 680,185 ) ( 350,611 ) ( 1,030,796 ) Net change in fair value (3) 91,653 59,792 151,445 Effect of foreign currency translation 1,129 — 1,129 Balance at end of period $ 1,380,784 $ 2,248,383 $ 3,629,167 (1) Originations or acquisitions is presented on a cost basis . (2) Included in “Revenue” in the consolidated statements of income. (3) Included in “Change in Fair Value” in the consolidated statements of income. In connection with its CSO program, the Company guarantees consumer loan payment obligations to unrelated third-party lenders for consumer loans and is required to purchase any defaulted loans it has guaranteed. As of December 31, 2024 and 2023, the amount of consumer loans guaranteed by the Company had an estimated fair value of $ 28.4 million and $ 18.5 million, respectively, and an outstanding principal balance of $ 19.9 million and $ 13.5 million, respectively. As of December 31, 2024 and 2023, the amount of consumer loans, including principal, fees and interest, guaranteed by the Company were $ 23.8 million and $ 16.4 million, respectively. These loans are not included in the consolidated balance sheets as the Company does not own the loans prior to default.

Property and Equipment

Property and Equipment	12 Months Ended
	Dec. 31, 2024
Property, Plant and Equipment [Abstract]
Property and Equipment	3. Property and Equipment As a leading technology and analytics company, a significant amount of capital is invested in developing computer software and systems infrastructure. The Company capitalized internal software development costs of $ 40.9 million, $ 37.3 million and $ 29.3 million during 2024, 2023 and 2022, respectively. Major classifications of property and equipment at December 31, 2024 and 2023 were as follows (in thousands): As of December 31, 2024 Cost Accumulated Depreciation Net Computer software $ 210,268 $ ( 103,017 ) $ 107,251 Furniture, fixtures and equipment 34,253 ( 27,085 ) 7,168 Leasehold improvements 16,724 ( 11,187 ) 5,537 Total $ 261,245 $ ( 141,289 ) $ 119,956 As of December 31, 2023 Cost Accumulated Depreciation Net Computer software $ 183,230 $ ( 93,546 ) $ 89,684 Furniture, fixtures and equipment 34,959 ( 22,943 ) 12,016 Leasehold improvements 21,644 ( 14,639 ) 7,005 Total $ 239,833 $ ( 131,128 ) $ 108,705 The Company recognized depreciation expense of $ 32.2 million, $ 29.8 million and $ 28.8 million during 2024, 2023 and 2022 , respectively.

Goodwill and Other Intangible A

Goodwill and Other Intangible Assets	12 Months Ended
	Dec. 31, 2024
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill and Other Intangible Assets	4. Goodwill and Other Intangible Assets There were no changes in the carrying value of goodwill for the years ended December 31, 2024 and 2023. The Company completed its annual assessment of goodwill as of October 1, 2024 based on qualitative factors and determined that the fair value of its goodwill exceeded carrying value; as such, no impairment existed at that date. Acquired intangible assets that are subject to amortization as of December 31, 2024 and 2023, were as follows (in thousands): As of December 31, 2024 Cost Accumulated Amortization Net Developed technology $ 25,980 $ ( 21,013 ) $ 4,967 Trade names and trademarks 11,184 ( 6,875 ) 4,309 Licenses 3,100 ( 2,325 ) 775 Customer relationships 1,900 ( 1,425 ) 475 Lead provider and broker relationships 1,700 ( 1,275 ) 425 Total $ 43,864 $ ( 32,913 ) $ 10,951 As of December 31, 2023 Cost Accumulated Amortization Net Developed technology $ 25,980 $ ( 15,817 ) $ 10,163 Trade names and trademarks 11,214 ( 5,387 ) 5,827 Licenses 3,100 ( 1,705 ) 1,395 Customer relationships 1,900 ( 1,045 ) 855 Lead provider and broker relationships 1,700 ( 935 ) 765 Total $ 43,894 $ ( 24,889 ) $ 19,005 Developed technology is amortized over five years on a straight-line basis. Customer, lead provider and broker relationships are generally amortized over three to five years based on the pattern of economic benefits provided. Trade names and trademarks are generally amortized over three to 20 years on a straight-line basis. Licenses are generally amortized over five years on a straight-line basis. Amortization expense for acquired intangible assets was $ 8.1 million, $ 8.4 million and $ 8.1 million for the years ended December 31, 2024, 2023 and 2022, respectively. Estimated future amortization expense for the years ended December 31, is as follows (in thousands): Year Amount 2025 $ 7,291 2026 2,029 2027 806 2028 110 2029 110

Accounts Payable and Accrued Ex

Accounts Payable and Accrued Expenses	12 Months Ended
	Dec. 31, 2024
Payables and Accruals [Abstract]
Accounts Payable and Accrued Expenses	5 . Accounts Payable and Accrued Expenses Accounts payable and accrued expenses at December 31, 2024 and 2023 were as follows (in thousands): As of December 31, 2024 2023 Unrecognized tax benefits $ 82,463 $ 135,229 Trade accounts payable 58,950 43,330 Accrued payroll and fringe benefits 45,784 34,758 Accrued interest payable 30,501 27,673 Liability for consumer loans funded by third-party lender 19,357 11,610 Accrual for consumer loan payments rejected for non-sufficient funds 10,943 6,568 Other accrued liabilities 1,972 1,988 Total $ 249,970 $ 261,156 Refer to Note 9 for discussion of unrecognized tax benefits.

Marketing Expenses

Marketing Expenses	12 Months Ended
	Dec. 31, 2024
Marketing Expenses [Abstract]
Marketing Expenses	6. Marketing Expenses Marketing expenses for the years ended December 31, 2024, 2023 and 2022 were as follows (in thousands): Year Ended December 31, 2024 2023 2022 Customer procurement expense including lead purchase costs $ 292,794 $ 230,910 $ 248,446 Advertising 230,775 183,550 134,127 Total $ 523,569 $ 414,460 $ 382,573

Leases

Leases	12 Months Ended
	Dec. 31, 2024
Leases [Abstract]
Leases	7 . Leases The Company has operating leases primarily for its corporate headquarters, other offices located in the U.S. and certain equipment. The Company’s leases have remaining lease terms of less than one year to ten year s. Certain leases include options to extend the leases for up to five years , while others include options to terminate the leases within one year . The Company’s lease agreements do not contain any material residual value guarantees or material restrictive covenants. The Company determines if an arrangement is an operating lease at inception. Leases with an initial term of 12 months or less are not recorded on the consolidated balance sheet. All other operating leases are recorded on the consolidated balance sheet with right-of-use assets representing the right to use the underlying asset for the lease term and lease liabilities representing the obligation to make lease payments arising from the lease. Right-of-use assets and lease liabilities are recognized at the commencement date based on the present value of lease payments over the lease term and include options to extend or terminate the lease when they are reasonably certain to be exercised. The right-of-use assets represent the lease liability, plus any lease payments made at or before the commencement date, less any lease incentives received. If a lease does not provide an implicit rate, the Company uses its incremental secured borrowing rate, adjusted for the maturity date, based on information available at the commencement date in determining the present value of lease payments. Lease agreements with lease and non-lease components are accounted for as a single lease component. The Company’s operating lease expense is recognized on a straight-line basis over the lease term and is recorded in general and administrative expense. During the fourth quarter of 2024, the Company entered into amendments related to its leases for office space in Denver and New York. The amendments, among other changes, resulted in extensions of the lease terms from April 2026 to October 2029 in Denver and from December 2026 to June 2032 in New York. As a result, the Company recognized an adjustment to increase its operating lease liability and operating lease right of use asset balance by $ 5.5 million. Lease expenses for the years ended December 31, 2024, 2023 and 2022 were as follows (in thousands): Year Ended December 31, 2024 2023 2022 Operating lease cost $ 4,814 $ 4,983 $ 7,652 Operating lease impairment/termination charge — — ( 72 ) Variable lease cost 746 1,252 723 Short-term lease cost 493 1,208 383 Sublease income ( 281 ) ( 1,175 ) ( 226 ) Total lease cost $ 5,772 $ 6,268 $ 8,460 Future minimum lease payments as of December 31, 2024 are as follows (in thousands): Year Amount 2025 $ 3,471 2026 4,341 2027 6,619 2028 6,213 2029 5,518 Thereafter 22,404 Total lease payments $ 48,566 Less: interest 16,401 Present value of lease liabilities $ 32,165 The weighted average remaining lease term and discount rate as of December 31, 2024 and 2023 were as follows: December 31, 2024 2023 Weighted average remaining lease term (years) Operating leases 8.1 8.5 Weighted average discount rate Operating leases 8.81 % 9.01 % Supplemental cash flow disclosures related to leases for the years ended December 31, 2024 and 2023 were as follows (in thousands): Year Ended December 31, 2024 2023 Cash paid for amounts included in the measurement of lease liabilities Operating cash flows from operating leases $ 3,790 $ 7,735 Noncash transactions related to adjustments to lease liability and right-of-use asset Operating leases 6,186 ( 2,969 )

Long-term Debt

Long-term Debt	12 Months Ended
	Dec. 31, 2024
Debt Disclosure [Abstract]
Long-term Debt	8 . Long-term Debt The Company’s long-term debt instruments and balances outstanding as of December 31, 2024 and 2023 were as follows (in thousands): Weighted Outstanding Revolving average Borrowing December 31, period end date Maturity date interest rate (1) capacity 2024 2023 Funding Debt: 2018-1 Securitization Facility March 2025 March 2026 8.94 % $ 200,000 $ 32,200 $ 92,964 2018-2 Securitization Facility July 2023 July 2025 (2) — — — 66,110 NCR 2022 Securitization Facility October 2026 October 2028 8.62 % 200,000 119,039 43,975 NCLOCR 2024 Securitization Facility February 2027 February 2028 9.87 % 150,000 99,000 — ODR 2021-1 Securitization Facility November 2025 November 2026 8.09 % 233,333 233,333 151,331 ODR 2022-1 Securitization Facility June 2026 June 2027 8.23 % 420,000 188,342 277,586 RAOD Securitization Facility November 2026 November 2027 7.30 % 236,842 192,000 142,110 HWCR 2023 Securitization Facility September 2026 September 2027 8.80 % 487,595 331,214 287,214 ODAST III Securitization Notes April 2024 May 2027 (3) — — — 300,000 2023-A Securitization Notes — December 2027 7.78 % 32,116 32,116 78,865 2024-A Securitization Notes — October 2030 7.75 % 123,546 123,546 — ODAS IV 2023-1 Securitization Notes July 2026 August 2030 7.66 % 227,051 227,051 227,051 ODAS IV 2024-1 Securitization Notes May 2027 June 2031 6.84 % 399,574 399,574 — ODAS IV 2024-2 Securitization Notes September 2027 October 2031 5.78 % 261,353 261,353 — Total funding debt 7.70 % $ 2,971,410 $ 2,238,768 $ 1,667,206 Corporate Debt: 9.125 % Senior Notes Due 2029 — August 2029 9.13 % $ 500,000 $ 500,000 $ — 11.25 % Senior Notes Due 2028 — December 2028 11.25 % 400,000 400,000 400,000 8.50 % Senior Notes Due 2025 — September 2025 8.50 % — — 375,000 8.50 % Senior Notes Due 2024 — September 2024 8.50 % — — 168,702 Revolving line of credit June 2026 June 2026 7.93 % 665,000 (4) 453,000 356,000 Total corporate debt 9.35 % $ 1,565,000 $ 1,353,000 $ 1,299,702 Less: Long-term debt issuance costs $ ( 24,830 ) $ ( 17,966 ) Less: Debt discounts ( 3,456 ) ( 5,137 ) Total long-term debt $ 3,563,482 $ 2,943,805 (1) The weighted average interest rate is determined based on the rates and principal balances on December 31, 2024 . It does not include the impact of the amortization of deferred loan origination costs or debt discounts. (2) On May 31, 2024, the remaining outstanding balance on this facility was paid in full and the facility was terminated . (3) On May 17, 2024, the remaining outstanding balance of these notes were paid in full and the facility was terminated . (4) The Company had outstanding letters of credit under the Revolving line of credit of $ 0.7 and $ 0.8 million as of December 31, 2024 and 2023 , respectively. Weighted-average interest rates on long-term debt were 9.31 % and 8.28 % for the years ended December 31, 2024 and 2023, respectively. As of December 31, 2024 and 2023, the Company was in compliance with all covenants and other requirements set forth in the prevailing long-term debt agreements. Funding Debt 2018‑1 Securitization Facility On July 23, 2018, the Company and several of its subsidiaries entered into a receivables funding agreement (the “2018‑1 Securitization Facility”) with Pacific Western Bank, as lender (the “2018‑1 Lender”). The 2018‑1 Securitization Facility collateralizes securitization receivables that have been and will be originated or acquired under the Company’s NetCredit brand by several of its subsidiaries and that meet specified eligibility criteria in exchange for a revolving note. Under the 2018‑1 Securitization Facility, securitization receivables are sold to a wholly-owned subsidiary of the Company (the “2018‑1 Debtor”) and serviced by another subsidiary of the Company. The 2018‑1 Debtor has issued a revolving note with an initial maximum principal balance of $ 150.0 million, which was required to be secured by 1.25 times the drawn amount in eligible securitization receivables. On September 15, 2021, the 2018-1 Securitization Facility was amended to increase the advance rate 90 % and to reopen and extend the revolving period to September 15, 2024 and the final maturity date to September 15, 2026 . The amendment also increased the eligibility criteria around acceptable collateral and increased flexibility around certain financial covenants. On March 24, 2022, the 2018-1 Securitization Facility was amended to, among other changes, increase the commitment amount of the revolving loans from $ 150.0 million to $ 200.0 million and extend the maturity date from September 15, 2026 to March 24, 2027 . On May 22, 2024, the 2018-1 Securitization Facility was amended to change the maturity date from March 24, 2027 to March 24, 2026. The 2018‑1 Securitization Facility is non-recourse to the Company. As of December 31, 2024 and 2023 , the outstanding amount of the 2018-1 Securitization Facility was $ 32.2 million and $ 93.0 million, respectively. The 2018‑1 Securitization Facility is governed by a loan and security agreement, dated as of July 23, 2018, and amended on September 15, 2021, March 24, 2022, July 28, 2022, December 31, 2022 and May 22, 2024, between the 2018‑1 Lender and the 2018‑1 Debtor. The 2018-1 Securitization Facility bears interest at a rate per annum equal to the Secured Overnight Financing Rate (“SOFR”) plus an applicable margin, which rate per annum is 4.25 %. In addition, the 2018‑1 Debtor paid certain customary upfront closing fees to the 2018‑1 Lender. Interest payments on the 2018‑1 Securitization Facility are made monthly . The 2018‑1 Debtor shall be permitted to prepay the 2018‑1 Securitization Facility, subject to certain fees and conditions. In the event of prepayment for the purposes of securitizations, no fees shall apply. Any remaining amounts outstanding will be payable no later than March 24, 2026, the final maturity date. All amounts due under the 2018‑1 Securitization Facility are secured by all of the 2018‑1 Debtor’s assets, which include the securitization receivables transferred to the 2018‑1 Debtor, related rights under the securitization receivables, a bank account and certain other related collateral. The 2018‑1 Facility documents contain customary provisions for securitizations, including: representations and warranties as to the eligibility of the securitization receivables and other matters; indemnification for specified losses not including losses due to the inability of consumers to repay their loans; covenants regarding special purpose entity matters; and default and termination provisions which provide for the acceleration of the 2018‑1 Facility in circumstances including, but not limited to, failure to make payments when due, servicer defaults, certain insolvency events, breaches of representations, warranties or covenants, failure to maintain the security interest in the receivables and defaults under other material indebtedness of the 2018‑1 Debtor. 2018-2 Securitization Facility On October 23, 2018, the Company and several of its subsidiaries entered into a receivables funding agreement (the “2018-2 Securitization Facility”) with Credit Suisse AG, New York Branch, as agent (the “2018-2 Agent”). The 2018-2 Securitization Facility collateralized securitization receivables that were originated or acquired under the Company’s NetCredit brand by several of its subsidiaries and that met specified eligibility criteria in exchange for a revolving note. Under the 2018-2 Securitization Facility, securitization receivables were sold to a wholly-owned subsidiary of the Company (the “2018-2 Debtor”) and serviced by another subsidiary of the Company. The 2018-2 Debtor issued a revolving note with an initial maximum principal balance of $ 150.0 million, which was required to be secured by 1.25 times the drawn amount in eligible securitization receivables. On July 23, 2021, the 2018-2 Securitization Facility was amended to increase the advance rate to 90 % and to reopen and extend the revolving period for two years to July 23, 2023 . The amendment also made certain changes in the scope of eligibility criteria for acceptable collateral. On March 14, 2022, the 2018-2 Securitization facility was amended to, among other changes, increase the commitment amount from $ 150.0 million to $ 225.0 million. In May 2024, the 2018-2 Debtor repaid in full all outstanding indebtedness and terminated all commitments and obligations under the 2018-2 Securitization Facility. The 2018-2 Securitization Facility’s lender’s security interest in the 2018-2 Debtor’s assets was automatically released and terminated in connection with the repayment of the 2018-2 Securitization Facility. As of December 31, 2023 , the outstanding amount of the 2018-2 Securitization Facility was $ 66.1 million. NCR 2022 Securitization Facility On October 21, 2022, the Company and several of its subsidiaries entered into a receivables funding agreement (the “NCR 2022 Securitization Facility”) with Jefferies Funding LLC, as the initial note purchaser and administrative agent (the “NCR 2022 Administrative Agent”). The NCR 2022 Securitization Facility collateralizes certain receivables that have been and will be originated or acquired under the Company’s NetCredit brand by several of its subsidiaries and that meet specified eligibility criteria in exchange for a note payable. Under the NCR 2022 Securitization Facility, receivables are sold to a wholly-owned subsidiary of the Company (the “NCR 2022 Debtor”) and serviced by another subsidiary of the Company. The NCR 2022 Debtor has issued notes with an initial maximum principal balance of $ 125.0 million, which were required to be secured by 1.25 times the drawn amount in eligible receivables. On October 15, 2024, the NCR 2022 Securitization Facility was amended to, among other changes, extend the revolving period end and final maturity date to October 2026 and October 2028 , respectively, increase the revolving commitment from $ 125.0 million to $ 200.0 million, decrease the borrowing rate from SOFR + 4.75 % to SOFR + 4.25 % and increase the advance rate from 80 % to 85 %. The NCR 2022 Securitization Facility is non-recourse to the Company. As of December 31, 2024 and 2023 , the total outstanding amount of the NCR 2022 Securitization Facility was $ 119.0 million and $ 44.0 million, respectively. The NCR 2022 Securitization Facility is governed by a note issuance and purchase agreement, dated as of October 21, 2022, among the NCR 2022 Administrative Agent, the NCR 2022 Debtor, Citibank, N.A., as collateral agent and paying agent, and the other note purchasers from time to time party thereto. The NCR 2022 Securitization Facility bears interest at a rate per annum equal to the SOFR (subject to a floor) plus 4.75 %. Interest payments on the NCR 2022 Securitization Facility are made monthly. The NCR 2022 Debtor is permitted to prepay the NCR 2022 Securitization Facility, subject to certain fees and conditions. In the event of prepayment for the purposes of securitizations, no fees shall apply. All amounts due under the NCR 2022 Securitization Facility are secured by all of the NCR 2022 Debtor’s assets, which include the receivables transferred to the NCR 2022 Debtor, related rights under the receivables, a bank account and certain other related collateral. The NCR 2022 Facility documents contain customary provisions for securitizations, including: representations and warranties as to the eligibility of the receivables and other matters; indemnification for specified losses not including losses due to the inability of consumers to repay their loans; covenants regarding special purpose entity matters; and default and termination provisions which provide for the acceleration of the NCR 2022 Facility in circumstances including, but not limited to, failure to make payments when due, servicer defaults, certain insolvency events, breaches of representations, warranties or covenants, failure to maintain the security interest in the receivables and defaults under other material indebtedness of the NCR 2022 Debtor. NCLOCR 2024 Securitization Facility On February 21, 2024, NetCredit LOC Receivables 2024, LLC, a wholly-owned indirect subsidiary of the Company, entered into a receivables securitization (the “NCLOCR 2024 Securitization Facility”) with lenders party thereto from time to time, Midtown Madison Management, LLC, as administrative agent and Citibank, N.A., as collateral trustee and paying agent. The NCLOCR 2024 Securitization Facility collateralizes certain receivables that have been and will be originated under the Company’s NetCredit brand by several of its subsidiaries and that meet specified criteria in exchange for a note payable. The NCLOCR 2024 Securitization Facility has a revolving commitment of $ 150.0 million, which is required to be secured by eligible securitization receivables. The NCLOCR 2024 Securitization Facility is non-recourse to the Company. The facility has a revolving period that ends in February 2027 and a final maturity ending in February 2028. The NCLOCR 2024 Securitization Facility is non-recourse to the Company. As of December 31, 2024, the total outstanding amount of the NCLOCR 2024 Securitization Facility was $ 99.0 million. The NCLOCR 2024 Securitization Facility is governed by a note issuance and purchase agreement, dated as of February 21, 2024, among NetCredit LOC Receivables 2024, LLC, the administrative agent, the lenders, and the collateral trustee and paying agent. The revolving loans shall accrue interest as a rate per annum equal to SOFR plus 5.50 % with an advance rate of 85 %. Interest payments on the NCLOCR 2024 Securitization Facility will be made monthly. ODR 2021-1 Securitization Facility On November 17, 2021, the Company and several of its subsidiaries entered into a receivables securitization (the “ODR 2021-1 Securitization Facility”) with the lenders party thereto from time to time, JPMorgan Chase Bank, N.A., as administrative agent and collateral agent, and Deutsche Bank Trust Company Americas, as paying agent. The ODR 2021-1 Securitization Facility finances securitization receivables that have been and will be originated or acquired under the Company’s OnDeck brand by several of the Company’s subsidiaries and that meet specified eligibility criteria. Under the ODR 2021-1 Securitization Facility, eligible securitization receivables are sold to a wholly-owned subsidiary of the Company (the “ODR 2021-1 Debtor”) and serviced by another subsidiary of the Company. The ODR 2021-1 Debtor has issued revolving loan notes that are required to be secured by eligible securitization receivables. On March 29, 2022, the ODR 2021-1 Securitization Facility was amended to, among other changes, increase the commitment amount of the revolving loans from $ 150.0 million to $ 200.0 million. On November 18, 2022, the ODR 2021-1 Securitization Facility was further amended to include a Class B revolving note with a maximum loan balance of $ 33.3 million, increasing the total commitment amount from $ 200.0 million to $ 233.3 million. On November 15, 2023 the ODR 2021-1 Securitization Facility was amended to, among other changes, extend the revolving period to November 2025 and the maturity date to November 2026. T he ODR 2021-1 Securitization Facility is non-recourse to the Company. As of December 31, 2024 and 2023 , there was $ 233.3 million and $ 151.3 million outstanding amount under the ODR 2021-1 Securitization Facility, respectively. The ODR 2021-1 Securitization Facility is governed by a credit agreement, dated as of November 17, 2021, and amended on March 29, 2022, November 14, 2022, November 18, 2022, December 15, 2022, January 30, 2023, February 27, 2023 and November 15, 2023, among the ODR 2021-1 Debtor, the administrative and collateral agent, the lenders, and the paying agent. The ODR 2021-1 Securitization Facility Class A note bears interest at a rate per annum equal to a benchmark rate (currently the lender’s asset-backed commercial paper rate) plus an applicable margin of 2.60 %. The ODR 2021-1 Securitization Facility Class B note bears interest at a rate per annum equal to a benchmark rate (currently SOFR) plus an applicable margin of 8.00 %. Interest payments on the ODR 2021-1 Securitization Facility are made monthly . All amounts due under the ODR 2021-1 Securitization Facility are secured by all of the ODR 2021-1 Debtor’s assets, which include the eligible securitization receivables transferred to the ODR 2021-1 Debtor, related rights under the eligible securitization receivables, a bank account and certain other related collateral. The Company has issued a limited indemnity to the lenders for certain “bad acts,” and the Company has agreed for the benefit of the lenders to meet certain ongoing financial performance covenants. The ODR 2021-1 Securitization Facility documents contain customary provisions for securitizations, including representations and warranties as to the eligibility of the eligible securitization receivables and other matters; indemnification for specified losses not including losses due to the inability of customers to repay their loans or lines of credit; covenants regarding special purpose entity matters; and default and termination provisions which provide for the acceleration of the ODR 2021-1 Securitization Facility in circumstances including, but not limited to, failure to make payments when due, certain insolvency events, breaches of representations, warranties or covenants, failure to maintain the security interest in the eligible securitization receivables, and defaults under other material indebtedness of the ODR 2021-1 Debtor. ODR 2022-1 Securitization Facility On June 30, 2022, the Company and several of its subsidiaries entered into a receivables securitization (the “ODR 2022-1 Securitization Facility”) with lenders party thereto from time to time, BMO Capital Markets Corp. as administrative agent and collateral agent, and Deutsche Bank Trust Company Americas, as paying agent. The ODR 2022-1 Securitization Facility finances securitization receivables that have been and will be originated or acquired under the Company’s OnDeck brand by a wholly-owned subsidiary and that meet specified eligibility criteria. Under the ODR 2022-1 Securitization Facility, eligible securitization receivables are sold to a wholly-owned subsidiary of the Company (the “ODR 2022-1 Debtor”) and serviced by another subsidiary of the Company. The ODR 2022-1 Securitization Facility initially had Class A and Class B revolving commitments of $ 350.0 million and $ 70.0 million, respectively, which are required to be secured by eligible securitization receivables. On June 27, 2024, the ODR 2022-1 Securitization Facility was amended to, among other changes, extend the revolving period end and final maturity date to June 2026 and June 2027 , respectively, decrease the Class A revolving commitment from $ 350.0 million to $ 338.0 million, and increase the Class B revolving commitment from $ 70.0 million to $ 82.0 million. The total facility commitment remained the same at $ 420.0 million. Additionally, the borrowing rate on the Class A loans increased to BMO’s prime rate plus 2.60 % from BMO’s prime rate plus 1.75 % and the Class A advance rate decreased from 75.0 % to 72.5 %. There were no changes to the borrowing rate or advance rate on the Class B loans. The ODR 2022-1 Securitization Facility is non-recourse to the Company. As of December 31, 2024 and 2023 , the total outstanding amount of the ODR 2022-1 Securitization Facility was $ 188.3 million and $ 277.6 million, respectively. The ODR 2022-1 Securitization Facility is governed by a credit agreement, dated as of June 30, 2022, among the ODR 2022-1 Debtor, the administrative and collateral agent, the lenders, and the paying agent. The Class A revolving loans shall accrue interest at a rate per annum equal to BMO’s prime rate plus 2.60 % with an advance rate of 72.5 %. The Class B revolving loans shall accrue interest at a rate per annum equal to SOFR plus 7.50 % with an advance rate of 90 %. Interest payments on the ODR 2022-1 Securitization Facility are made monthly. All amounts due under the ODR 2022-1 Securitization Facility are secured by all of the ODR 2022-1 Debtor’s assets, which include the eligible securitization receivables transferred to the ODR 2022-1 Debtor, related rights under the eligible securitization receivables, a bank account and certain other related collateral. The Company has issued a limited indemnity to the lenders for certain “bad acts,” and the Company has agreed for the benefit of the lenders to meet certain ongoing financial performance covenants. The ODR 2022-1 Securitization Facility documents contain customary provisions for securitizations, including representations and warranties as to the eligibility of the eligible securitization receivables and other matters; indemnification for specified losses not including losses due to the inability of customers to repay their loans or lines of credit; covenants regarding special purpose entity matters; and default and termination provisions which provide for the acceleration of the ODR 2022-1 Securitization Facility in circumstances including, but not limited to, failure to make payments when due, certain insolvency events, breaches of representations, warranties or covenants, failure to maintain the security interest in the eligible securitization receivables, and defaults under other material indebtedness of the ODR 2022-1 Debtor. RAOD Securitization Facility Assumed in the OnDeck acquisition, the loan securitization facility (“RAOD Securitization Facility”) for Receivable Assets of OnDeck, LLC (“RAOD”), a wholly-owned indirect subsidiary of the Company, collateralizes certain eligible installment loans originated or purchased by OnDeck or certain other subsidiaries. The RAOD Securitization Facility was amended on December 24, 2020, which, amongst other changes, extended the revolving period from December 2020 to December 2022, extended the maturity date from September 2021 to December 2023, revised the advance rate to 76 % and changed the borrowing rate from LIBOR plus 1.65 % to LIBOR plus 2.5 % . On July 16, 2021, the RAOD Securitization Facility was further amended to increase the total commitment from $ 100.0 million to $ 177.6 million by increasing the Class A note commitment to $ 150.0 million and adding a Class B note with a commitment of $ 27.6 million. The borrowing rate on the Class A note was lowered from LIBOR plus 2.5 % to LIBOR plus 1.75 % and the borrowing rate on the Class B note was LIBOR plus 6.5 % and the advance rate for the Class A notes remained 76 % and the Class B notes advance rate was 90 %. The scope of acceptable collateral was also expanded to include line of credit products from OnDeck in addition to installment loans. On March 18, 2022, the RAOD Securitization Facility was amended to, among other changes, increase the Class A commitment amount to $ 200.0 million and the Class B commitment to $ 36.8 million. On November 18, 2022, the RAOD Securitization Facility was amended to, among other changes, extend the revolving period to November 2024 , extend the maturity date to November 2025 , change the Class A borrowing rate from LIBOR plus 1.75 % to SOFR plus 1.90 % and the Class B borrowing rate from LIBOR plus 6.5 % to SOFR plus 8.00 % , and decrease the Class B commitment from $ 36.8 million to $ 30.3 million and the Class B advance rate from 90 % to 87.5 %. On November 18, 2024 , the RAOD Securitization Facility was amended to extend the revolving period to November 2026 , extend the maturity date to November 2027 , change the Class A borrowing rate from SOFR plus 1.90 % to SOFR plus 1.85 % and the Class B borrowing rate from SOFR plus 8.00 % to SOFR plus 7.60 %, and increase the Class B commitment from $ 30.3 million to $ 36.8 million and the Class B advance rate from 87.5 % to 90 %. The Class A commitment amount and advance rate remained the same at $ 200.0 million and 76 %, respectively. As of December 31, 2024 and 2023 , the carrying amount of the RAOD Securitization Facility was $ 192.0 million and $ 142.1 million, respectively. HWCR 2023 Securitization Facility On May 25, 2023, the Company and several of its subsidiaries entered into a receivables securitization (the “HWCR 2023 Securitization Facility”) with lenders party thereto from time to time, BNP Paribas, as administrative agent and collateral agent, and Deutsche Bank Trust Company Americas, as paying agent. The HWCR 2023 Securitization Facility finances securitization receivables that have been and will be originated under the Company’s Headway Capital brand by a wholly-owned subsidiary and that meet specified eligibility criteria. Under the HWCR 2023 Securitization Facility, eligible securitization receivables are sold to a wholly-owned subsidiary of the Company (the “HWCR 2023 Debtor”) and serviced by another subsidiary of the Company. The HWCR 2023 Securitization Facility initially had Class A and Class B revolving commitments of $ 215.0 million and $ 72.2 million, respectively, which are required to be secured by eligible securitization receivables. On September 18, 2024, the HWCR 2022 Securitization Facility was amended to, among other changes, extend the revolving period end and final maturity date to September 2026 and September 2027 , respectively, increase the Class A revolving commitment from $ 215.0 million to $ 365.0 million, the Class B revolving commitment from $ 72.2 million to $ 122.6 million and the total facility commitment from $ 287.2 million to $ 487.6 million. There were no changes to the borrowing rate or advance rate on the Class A and Class B loans. The HWCR 2023 Securitization Facility is non-recourse to the Company. As of December 31, 2024 and 2023 , the total outstanding amount of the HWCR 2023 Securitization Facility was $ 331.2 million and $ 287.2 million, respectively. The HWCR 2023 Securitization Facility is governed by a credit agreement, dated as of May 25, 2023, among the HWCR 2023 Debtor, the administrative and collateral agent, the lenders, and the paying agent. The Class A revolving loans accrue interest at a rate per annum equal to the Commercial Paper rate plus 2.7 % with an advance rate of 65.5 %. The Class B revolving loans accrue interest at a rate per annum equal to SOFR plus 8.50 % with an advance rate of 87.5 %. Interest payments on the HWCR 2023 Securitization Facility are made monthly. All amounts due under the HWCR 2023 Securitization Facility are secured by all of the HWCR 2023 Debtor’s assets, which include the eligible securitization receivables transferred to the HWCR 2023 Debtor, related rights under the eligible securitization receivables, a bank account and certain other related collateral. The Company has issued a limited indemnity to the lenders for certain “bad acts,” and the Company has agreed for the benefit of the lenders to meet certain ongoing financial performance covenants. The HWCR 2023 Securitization Facility documents contain customary provisions for securitizations, including representations and warranties as to the eligibility of the eligible securitization receivables and other matters; indemnification for specified losses not including losses due to the inability of customers to repay their loans or lines of credit; covenants regarding special purpose entity matters; and default and termination provisions which provide for the acceleration of the HWCR 2023 Securitization Facility in circumstances including, but not limited to, failure to make payments when due, certain insolvency events, breaches of representations, warranties or covenants, failure to maintain the security interest in the eligible securitization receivables, and defaults under other material indebtedness of the HWCR 2023 Debtor. ODAST III Securitization Notes On May 5, 2021, the Company issued $ 300 million initial principal amount of fixed-rate, asset-backed notes (the “ODAST III Securitization Notes”) through a wholly-owned subsidiary, OnDeck Asset Securitization Trust III LLC (“ODAST III”). The net proceeds from issuance of the ODAST III Securitization Notes were used to acquire small business loans from On Deck Capital, Inc. (“ODC”) and ODK Capital, LLC (“ODK”), each of which is a wholly-owned subsidiary of the Company. The acquired loans were pledged as collateral for the ODAST III Securitization Notes and were serviced by another subsidiary of the Company. The ODAST III Securitization Notes were issued in four classes with a weighted average fixed interest coupon of 2.07 % per annum. The revolving period during which a certain portion of collections received on the portfolio of loans held by ODAST III could be used to continue to purchase loans from certain of the Company’s subsidiaries ended in April 2024. The ODAST III Securitization Notes had a final maturity in May 2027 with optional prepayment beginning in May 2023. The ODAST III Securitization Notes and future series of notes, if any, issued under the Base Indenture were secured by and payable from such series pro rata allocation of collections received on a revolving pool of small business loans transferred from time to time from the Company to ODAST III. At the time of issuance of the ODAST III Securitization Notes, the portfolio of loans held by ODAST III and pledged to secure the ODAST III Securitization Notes was approximately $ 316 million. The ODAST III Securitization Notes were paid in full and terminated in 2024. As of December 31, 2023 , the carrying amount of the ODAST III Securitization Notes was $ 299.3 million, including an unamortized discount of $ 0.4 million and unamortized issuance costs of $ 0.3 million. 2023-A Securitization Notes On March 3, 2023, the Company issued $ 170.0 million in aggregate principal notes (the “2023-A Securitization Notes”) through an indirect subsidiary, NetCredit Combined Receivables 2023, LLC (“NCCR 2023”). The 2023-A Securitization Notes were sold at a discount of the principal amount to yield 9.00 % to maturity in December 2027 (equivalent to 3.975 % spread above interpolated U.S. Treasuries). The 2023-A Securitization Notes represent obligations of NCCR 2023 only and are not guaranteed by the Company. The net proceeds from issuance of the 2023-A Securitization Notes were used to acquire consumer loans from certain of the Company’s wholly-owned subsidiaries. The acquired loans were pledged as collateral for 2023-A Securitization Notes and are serviced by another subsidiary of the Company. As of December 31, 2024 and 2023, the carrying amount of the 2023-A Securitization Notes was $ 31.7 million, including an unamortized discount of $ 0.2 million and unamortized issuance costs of $ 0.3 million, and $ 77.2 million, including an unamortized discount of $ 0.7 million and unamortized issuance costs of $ 0.9 million, respectively. The 2023-A Securitization Notes were offered and sold only to “qualified institutional buyers” pursuant to Rule 144A under the Securities Act and to certain persons outside of the United States in compliance with Regulation S under the Securities Act. 2024-A Securitization Notes On May 31, 2024, NetCredit Combined Receivables 2024, LLC (“NCCR 2024”), a wholly-owned indirect subsidiary of the Company, issued $ 217.2 million of Fixed Rate Asset-Backed Notes (the “2024-A Securitization Notes”) in a private securitization transaction. The 2024-A Securitization Notes have a legal final payment date in October 2030 and were issued in two classes with principal amounts and fixed interest rates per annum as follows: Class A Notes of $ 172.5 million at 7.43 % and Class B Notes of $ 44.6 million at 8.31 %. The 2024-A Securitization Notes are backed by a pool of unsecured consumer installment loans. The 2024-A Securitization Notes represent obligations of NCCR 2024 only and are not guaranteed by the Company. The net proceeds of the offering of the 2024-A Securitization Notes were used to acquire unsecured consumer installment loans from certain subsidiaries of the Company, fund a reserve amount and pay fees and expenses incurred in connection with the transaction. As of December 31, 2024, the carrying amount of the 2024-A Securitization Notes was $ 122.1 million, including unamortized issuance costs of $ 1.4 million. The 2024-A Securitization Notes were offered and sold only to “qualified institutional buyers” pursuant to Rule 144A under the Securities Act and to certain persons outside of the United States in compliance with Regulation S under the Securities Act. ODAS IV 2023-1 Securitization Notes On July 27, 2023, OnDeck Asset Securitization IV, LLC (“ODAS IV”), a wholly-owned ind

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2024
Income Tax Disclosure [Abstract]
Income Taxes	9 . Income Taxes The components of the Company’s deferred tax assets and liabilities as of December 31, 2024 and 2023 were as follows (in thousands): As of December 31, 2024 2023 Deferred tax assets: Compensation and benefits $ 6,858 $ 4,772 Translation adjustments 4,940 2,264 Lease liability 7,532 6,354 Foreign net operating loss carryforward 8,200 6,194 U.S. net operating loss carryforward 10,539 9,193 Capitalized intangible costs 28,938 25,198 Capital loss carryforward 5,136 919 Other 5,481 3,390 Total deferred tax assets 77,624 58,284 Deferred tax liabilities: Amortizable intangible assets 61,418 62,829 Loans and finance receivables, net 186,224 62,877 Property and equipment 26,606 23,881 Operating lease right-of-use asset 4,285 3,352 Other 2,203 2,660 Total deferred tax liabilities 280,736 155,599 Net deferred tax liabilities before valuation allowance ( 203,112 ) ( 97,315 ) Valuation allowance ( 20,478 ) ( 16,035 ) Net deferred tax liabilities $ ( 223,590 ) $ ( 113,350 ) The components of the provision for income taxes and the income to which it relates for the years ended December 31, 2024, 2023 and 2022 are shown below (in thousands): Year Ended December 31, 2024 2023 2022 Income before income taxes: Domestic $ 270,682 $ 226,638 $ 272,863 International 419 609 ( 289 ) Income before income taxes $ 271,101 $ 227,247 $ 272,574 Current provision: Federal $ ( 42,149 ) $ 38,260 $ 41,942 International 98 518 — State and local ( 9,019 ) 4,792 6,218 Total current provision $ ( 51,070 ) $ 43,570 $ 48,160 Deferred provision: Federal $ 96,736 $ 7,483 $ 15,566 State and local 15,987 1,073 1,424 Total deferred provision $ 112,723 $ 8,556 $ 16,990 Total provision for income taxes $ 61,653 $ 52,126 $ 65,150 Included within both the current and deferred federal provision components for the year ended December 31, 2024 is a decrease in the unrecognized tax benefits reserve, which results in a current federal and state income tax benefit with an equal and offsetting deferred federal and state income tax expense, due to the temporary nature of the unrecognized tax benefits. The effective tax rate on income differs from the federal statutory rate of 21 % for the years ended December 31, 2024, 2023 and 2022, for the following reasons (dollars in thousands): Year Ended December 31, 2024 2023 2022 Tax provision computed at the federal statutory income tax rate $ 56,931 $ 47,722 $ 57,240 State and local income taxes, net of federal tax benefits 7,249 3,815 8,752 Nondeductible regulatory settlement — 3,150 — Release of uncertain tax position ( 2,772 ) ( 2,541 ) ( 460 ) Other 245 ( 20 ) ( 382 ) Total provision $ 61,653 $ 52,126 $ 65,150 Effective tax rate 22.7 % 22.9 % 23.9 % The Company has gross federal net operating loss carryforwards of $ 11.2 million as of December 31, 2024 , mainly attributable to the Company’s 2020 acquisitions. The Company has recorded a valuation allowance related to the federal net operating loss carryforwards as they are not more likely than not to be utilized as the losses will be limited to the Section 382 ownership changes. The Company has established a tax-effected valuation allowance of $ 0.7 million as of December 31, 2024 against the net operating losses that will expire prior to their utilization. Following the acquisition of OnDeck, the Company is subject to a Section 382 limitation associated with the built-in losses and other attributes of the acquired OnDeck assets. The reversal of certain deferred tax assets acquired by Enova associated with OnDeck assets may be determined to be recognized built-in losses as defined in Section 382. As such, the losses may be limited to the annual Section 382 limitation of approximately $ 1.0 million per year. The Company has gross state net operating loss carryforwards of $ 277.4 million, $ 178.6 million and $ 341.6 million as of December 31, 2024, 2023 and 2022 , respectively, that, if unused, will expire between calendar years 2024 and 2044 . The 2022 gross state net operating loss carryforwards include losses incurred in states that quantify net operating losses before the application of apportionment factors, and their inclusion inflates the total amount of state net operating loss carryforwards when compared to a population of states that quantify net operating losses after the application of apportionment factors. The Company has recorded a tax-effected valuation allowance of $ 9.5 million as of December 31, 2024, primarily related to Louisiana state net operating loss carryforward deferred tax assets as they are not more likely than not to be utilized based on the calculation of income tax in the state of Louisiana. The state excludes interest income from its tax base and the Company does not anticipate generating a sufficient amount of non-interest income to enable the utilization of net operating losses. The Company has gross foreign net operating loss carryforwards from Brazilian operations of $ 39.0 million, $ 29.5 million and $ 22.0 million as of December 31, 2024, 2023 and 2022, respectively. These net operating loss carryforwards are subject to annual limitations and have an unlimited carryforward period. The Company has recorded a full valuation allowance related to the Brazilian net operating loss carryforwards, as they are not more likely than not to be utilized. As of December 31, 2024, we currently have insignificant accumulated earnings in foreign jurisdictions. We intend to indefinitely reinvest these earnings and expect future U.S. cash generation to be sufficient to meet future U.S. cash needs. The Company has gross federal capital loss carryforwards of $ 21.4 million as of December 31, 2024 , mainly attributable to the Company’s write-down on the investment in Linear in 2024. Capital losses can be carried back three years and carried forward five years . The Company has recorded a valuation allowance related to the capital loss that will not be utilized against capital gains within the three-year carryback window. The Company has established a tax-effected valuation allowance of $ 1.9 million as of December 31, 2024 against the capital loss carryforwards that are not more likely than not to be utilized prior to their expiration as the Company cannot project future capital gains. The following table summarizes the valuation allowance activity for the years ended December 31, 2024, 2023 and 2022 (in thousands): Year Ended December 31, 2024 2023 2022 Balance at beginning of period $ 16,035 $ 11,088 $ 8,568 Additions 4,443 4,963 2,683 Deductions — ( 16 ) ( 163 ) Balance at end of period $ 20,478 $ 16,035 $ 11,088 A reconciliation of the activity related to unrecognized tax benefits follows for the years ended December 31, 2024, 2023 and 2022 (in thousands): Year Ended December 31, 2024 2023 2022 Balance at beginning of period $ 173,707 $ 83,833 $ 42,024 Additions based on tax positions related to the current year 97,348 169,811 78,925 Additions for tax positions of prior years 59 244 276 Reductions for tax positions of prior years ( 169,345 ) ( 76,100 ) ( 36,638 ) Reductions due to lapsed statute of limitations ( 2,367 ) ( 4,081 ) ( 754 ) Reductions due to settlement with taxing authorities ( 125 ) — — Balance at end of period $ 99,277 $ 173,707 $ 83,833 Included in the balances of unrecognized tax benefits at December 31, 2024, 2023 and 2022 are potential benefits of $ 7.2 million, $ 9.9 million and $ 11.6 million, respectively, that, if recognized, would favorably affect the effective tax rate in the period of recognition. The balance of unrecognized tax benefits for temporary items as of December 31, 2024, 2023 and 2022 was $ 75.6 million, $ 125.9 million and $ 76.1 million, respectively. The Company recognizes interest and penalties, if any, related to unrecognized tax benefits in income tax expense. The liability for unrecognized tax benefits as of December 31, 2024 and 2023 includes $ 4.9 million and $ 5.6 million, respectively, for accrued interest and penalties related to unrecognized tax benefits. Within the tabular rollforward, the additions and reductions based on tax positions related to the current year, primarily relate to a temporary uncertainty that is expected to reverse in the immediately following tax period. The table includes the net increase or decrease associated with this position. The balance of unrecognized tax benefits includes amounts classified as an increase in income taxes payable or the reduction of a deferred tax asset. In 2024, the Company decreased the balance of the unrecognized tax benefits reserve due to management’s evaluation and remeasurement of its settlement position related to the timing of recognition of income and losses related to the Company's loan and finance receivable portfolio. The Company believes it is reasonably possible that, within the next twelve months, unrecognized domestic tax benefits will change by a significant amount up to and including the full amount of the reserve. The Company’s principal uncertainties are related to the timing of recognition of income and losses related to its loan and finance receivable portfolio. Depending upon the outcome of any future agreements or settlements with relevant taxing authorities, the amount of the uncertainty, including amounts that would be recognized as a component of the effective tax rate, could change significantly. While the total amount of uncertainty to be resolved is not clear, it is reasonably possible that the uncertainties pertaining to the tax positions will be resolved in the next twelve months. The Company’s U.S. tax returns are subject to examination by federal and state taxing authorities. The statute of limitations related to the Company’s consolidated Federal income tax returns is closed for all tax years up to and including 2020. The years open to examination by state, local and foreign government authorities vary by jurisdiction, but the statute of limitation is generally three years from the date the tax return is filed. For jurisdictions that have generated net operating losses, carryovers may be subject to the statute of limitations applicable for the year those carryovers are utilized. In these cases, the period for which the losses may be adjusted will extend to conform with the statute of limitations for the year in which the losses are utilized. In most circumstances, this is expected to increase the length of time that the applicable taxing authority may examine the carryovers by one year or longer, in limited cases.

Commitments and Contingencies

Commitments and Contingencies	12 Months Ended
	Dec. 31, 2024
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingencies	10 . Commitments and Contingencies Guarantees of Consumer Loans In connection with its CSO program, the Company guarantees consumer loan payment obligations to unrelated third-party lenders for consumer loans and is required to purchase any defaulted loans it has guaranteed. As of December 31, 2024 and 2023, the amount of consumer loans guaranteed by the Company had an estimated fair value of $ 28.4 million and $ 18.5 million, respectively, and an outstanding principal balance of $ 19.9 million and $ 13.5 million, respectively. As of December 31, 2024 and 2023 , the amount of consumer loans, including principal, fees and interest, guaranteed by the Company were $ 23.8 million and $ 16.4 million, respectively. These loans are not included in the consolidated balance sheets as the Company does not own the loans prior to default. Consumer Financial Protection Bureau On November 15, 2023, the Company consented to the issuance of a Consent Order by the CFPB pursuant to which the Company agreed, without admitting or denying any of the facts or conclusions, to pay a civil money penalty of $ 15.0 million. The civil money penalty is included in “General and Administrative” expenses in the Consolidated Statements of Income. The Consent Order relates to issues, the majority of which were self-disclosed, such as payment processing and debiting errors. Litigation On April 23, 2018, the Commonwealth of Virginia, through Attorney General Mark R. Herring, filed a lawsuit in the Circuit Court for the County of Fairfax, Virginia against NC Financial Solutions of Utah, LLC (“NC Utah”), a subsidiary of the Company. The lawsuit alleges violations of the Virginia Consumer Protection Act (“VCPA”) relating to NC Utah’s communications with customers, collections of certain payments, its loan agreements, and the rates it charged to Virginia borrowers. The plaintiff is seeking to enjoin NC Utah from continuing its current lending practices in Virginia, restitution, civil penalties, and costs and expenses in connection with the same. Neither the likelihood of an unfavorable decision nor the ultimate liability, if any, with respect to this matter can be determined at this time, and the Company is currently unable to estimate a range of reasonably possible losses, as defined by ASC 450-20-20, Contingencies–Loss Contingencies–Glossary , for this litigation. The Company carefully considered applicable Virginia law before NC Utah began lending in Virginia and, as a result, believes that the Plaintiff’s claims in the complaint are without merit and intends to vigorously defend this lawsuit. The Company is also involved in certain routine legal proceedings, claims and litigation matters encountered in the ordinary course of its business. Certain of these matters may be covered to an extent by insurance or by indemnification agreements with third parties. The Company has recorded accruals in its consolidated financial statements for those matters in which it is probable that it has incurred a loss and the amount of the loss, or range of loss, can be reasonably estimated. In the opinion of management, the resolution of these matters will not have a material adverse effect on the Company’s financial position, results of operations or liquidity.

Employee Benefit Plans

Employee Benefit Plans	12 Months Ended
	Dec. 31, 2024
Retirement Benefits [Abstract]
Employee Benefit Plans	11 . Employee Benefit Plans The Company sponsors the Enova International, Inc. 401(k) Savings Plan (the “Enova 401(k) Plan”), which is open to all U.S. employees of the Company and its subsidiaries. The Company also offers the Enova International, Inc. Nonqualified Savings Plan (the “NQSP”) for certain members of Company management. For the Enova 401(k) Plan, new employees are automatically enrolled in this plan unless they elect not to participate. The Company makes matching contributions of 100 % of the first 1 % of pay and 50 % of the next 5 % of pay that each employee contributes to the Enova 401(k) Plan. The Company’s matching contributions fully vest after a participant’s second year of service with the Company. The Company recorded compensation expense for combined contributions to these plans of $ 4.6 million, $ 4.1 million and $ 2.7 million for the years ended December 31, 2024, 2023 and 2022, respectively. The Company also sponsors the Enova International, Inc. Supplemental Executive Retirement Plan (“SERP”) in which certain officers and certain other employees of the Company participate. Under this defined contribution plan, the Company makes an annual supplemental cash contribution to the SERP based on the terms of the plan as approved by the Company’s Management Development and Compensation Committee of the Board of Directors. The Company recorded compensation expense of $ 0.9 million, $ 0.5 million and $ 0.8 million for SERP contributions for the years ended December 31, 2024, 2023 and 2022, respectively. The NQSP and the SERP are non-qualified deferred compensation plans for which the Company holds securities in rabbi trusts to pay benefits. These securities are classified as trading securities, and the unrealized gains and losses on these securities are netted with the costs of the plans in “General and administrative expenses” in the consolidated statements of income. Amounts included in the consolidated balance sheets relating to the NQSP and the SERP were as follows (in thousands): As of December 31, 2024 2023 Other receivables and prepaid expenses $ 10,712 $ 8,045 Accounts payable and accrued expenses $ 11,251 $ 8,531

Stock-Based Compensation

Stock-Based Compensation	12 Months Ended
	Dec. 31, 2024
Share-Based Payment Arrangement [Abstract]
Stock-Based Compensation	12 . Stock-Based Compensation Under the Enova International, Inc. 2014 Fourth Amended and Restated Long-Term Incentive Plan (the “Enova LTIP”), the Company is authorized to issue 16,500,000 shares of Common Stock pursuant to “Awards” granted as incentive stock options (intended to qualify under Section 422 of the Internal Revenue Code of 1986, as amended), nonqualified stock options, restricted stock units (“RSUs”), restricted stock, performance shares, stock appreciation rights or other stock-based awards. Since 2014, nonqualified stock options and RSU awards have been the only stock-based awards granted under the Plan. As of December 31, 2024 , there were 3,329,266 shares available for future grants under the Enova LTIP. During the year ended December 31, 2024 , the Company received 225,582 shares of its common stock valued at approximately $ 12.6 million as partial payment of taxes required to be withheld upon issuance of shares under RSUs. Restricted Stock Units During the years ended December 31, 2024, 2023 and 2022 , the Company granted RSUs to Company officers, certain employees and to the non-management members of the Board of Directors under the Enova LTIP. Each vested RSU entitles the holder to receive a share of the common stock of the Company. For Company officers and certain employees, the shares are to be issued upon vesting of the RSUs generally on an annual basis over a period of four years . Shares for RSU awards granted to members of the Board of Directors vest and are issued twelve months after the grant date. In accordance with ASC 718, the grant date fair value of RSUs is based on the Company’s closing stock price on the day before the grant date and is amortized to expense over the vesting periods. The agreements relating to awards provide that the vesting and payment of awards would be accelerated if there is a change in control of the Company. The following table summarizes the Company’s RSU activity during 2024, 2023 and 2022: Year Ended December 31, Year Ended December 31, Year Ended December 31, 2024 2023 2022 Units Weighted Average Fair Value at Date of Grant Units Weighted Average Fair Value at Date of Grant Units Weighted Average Fair Value at Date of Grant Outstanding at beginning of year 1,489,809 $ 41.40 1,540,579 $ 32.06 1,745,481 $ 25.80 Units granted 478,537 54.79 638,419 51.94 593,916 43.15 Shares issued ( 617,291 ) 36.36 ( 624,264 ) 29.10 ( 640,337 ) 24.87 Units forfeited ( 99,245 ) 49.75 ( 64,925 ) 41.71 ( 158,481 ) 32.74 Outstanding at end of year 1,251,810 $ 48.34 1,489,809 $ 41.40 1,540,579 $ 32.06 Compensation expense related to these RSUs totaling $ 25.0 million ($ 18.8 million net of related taxes), $ 22.2 million ($ 16.6 million net of related taxes) and $ 17.8 million ($ 13.4 million net of related taxes) was recognized for the years ended December 31, 2024, 2023 and 2022, respectively. Total unrecognized compensation cost related to these RSUs at December 31, 2024 was $ 39.6 million, which will be recognized over a weighted average period of approximately 2.4 years. The outstanding RSUs had an aggregate intrinsic value of $ 120.0 million at December 31, 2024. Stock Options During the years ended December 31, 2024, 2023 and 2022, the Company granted stock options to purchase Enova stock to Company officers and certain employees under the Enova LTIP. Stock options would allow the holder to purchase shares of the Company’s common stock at a price not less than the fair market value of the shares as of the grant date, or the exercise price. Stock options granted under the Enova LTIP generally become exercisable in equal increments on the first, second and third anniversaries of their date of grant, and expire on the seventh anniversary of their date of grant. Exercise prices of these stock options are equal to the closing stock price on the day before the grant date. In accordance with ASC 718, compensation expense on stock options is based on the grant date fair value of the stock options and is amortized to expense over the vesting periods. For the year ended December 31, 2024 , the Company estimated the fair value of the stock option grants using the Black-Scholes option-pricing model based on the following weighted average assumptions: risk-free interest rate of 4.1 %, expected term (life) of options of 4.5 years, expected volatility of 55.9 % and no expected dividends. Determining the fair value of options awards at their respective grant dates requires considerable judgment, including estimating expected volatility and expected term (life). The Company based its expected volatility on a weighted average of the historical volatility of the Company. The Company calculated its expected term based on the simplified method, which is the mid-point between the weighted-average graded-vesting term and the contractual term. The simplified method was chosen as a means to determine expected term as the Company has limited historical option exercise experience as a public company. The Company derived the risk-free rate from a weighted-average yield for the three-and five-year zero-coupon U.S. Treasury Strips. The Company estimates forfeitures at the grant date based on its historical forfeiture rate and revises the estimate, if necessary, in subsequent periods if actual forfeitures differ from those estimates. The following table summarizes the Company’s stock option activity during 2024, 2023 and 2022: Year Ended December 31, Year Ended December 31, Year Ended December 31, 2024 2023 2022 Units Weighted Average Exercise Price Units Weighted Average Exercise Price Units Weighted Average Exercise Price Outstanding at beginning of year 2,120,241 $ 28.98 2,202,687 $ 23.80 2,104,013 $ 20.65 Options granted 237,157 68.97 306,105 47.89 378,725 37.00 Options exercised ( 563,811 ) 21.63 ( 388,551 ) 14.52 ( 263,090 ) 15.80 Options forfeited — — — — ( 16,961 ) 30.46 Outstanding at end of year 1,793,587 $ 36.58 2,120,241 $ 28.98 2,202,687 $ 23.80 Exercisable options at end of year 1,170,738 28.14 1,450,841 23.24 1,471,971 19.72 The weighted average fair value of options granted in 2024 was $ 34.01 . Compensation expense related to stock options totaling $ 6.8 million ($ 5.1 million net of related taxes), $ 4.6 million ($ 3.4 million net of related taxes) and $ 4.1 million ($ 3.1 million net of related taxes) was recognized for the years ended December 31, 2024, 2023 and 2022, respectively. Total unrecognized compensation cost related to stock options at December 31, 2024 was $ 11.5 million, which will be recognized over a period of approximately 2.0 years. At December 31, 2024 , the intrinsic value of stock options outstanding was $ 106.4 million, and the intrinsic value of stock options exercisable was $ 79.3 million, respectively.

Related Party Transactions

Related Party Transactions	12 Months Ended
	Dec. 31, 2024
Related Party Transactions [Abstract]
Related Party Transactions	13 . Related Party Transactions As discussed in Note 1 in the Notes to Consolidated Financial Statements, in December 2021, the Company divested a portion of its interest in OnDeck Australia and began recording its remaining interest utilizing the equity method of accounting. As of December 31, 2024 and 2023 , there was no balance and $ 0.1 million due from affiliate, respectively, outstanding between the Company and OnDeck Australia. The Company believes that the transactions described above have been provided on terms no less favorable to the Company than could have been negotiated with non-affiliated third parties.

Variable Interest Entities

Variable Interest Entities	12 Months Ended
	Dec. 31, 2024
Variable Interest Entities [Abstract]
Variable Interest Entities	14 . Variable Interest Entities As part of the Company’s overall funding strategy and as part of its efforts to support its liquidity from sources other than its traditional capital market sources, the Company has established a securitization program through its various securitization facilities. The Company transfers certain loan receivables to wholly owned, bankruptcy-remote special purpose subsidiaries (“VIEs”), which issue notes backed by the underlying loan receivables and are serviced by other wholly-owned subsidiaries of the Company. The cash flows from the loans held by the VIEs are used to repay obligations under the notes. The Company is required to evaluate the VIEs for consolidation. The Company has the ability to direct the activities of the VIEs that most significantly impact the economic performance of the entities as the servicer of the securitized loan receivables. Additionally, the Company has the right to returns related to servicing fee revenue from the VIEs and to receive residual payments, which expose it to potentially significant losses and returns. Accordingly, the Company determined it is the primary beneficiary of the VIEs and is required to consolidate them. The assets and liabilities related to the VIEs are included in the Company’s consolidated financial statements and are accounted for as secured borrowings.

Supplemental Disclosures of Cas

Supplemental Disclosures of Cash Flow Information	12 Months Ended
	Dec. 31, 2024
Supplemental Cash Flow Elements [Abstract]
Supplemental Disclosures of Cash Flow Information	15. Supplemental Disclosures of Cash Flow Information The following table sets forth certain cash and non-cash activities for the years ended December 31, 2024, 2023 and 2022 (in thousands): Year Ended December 31, 2024 2023 2022 Cash paid during the year for: Interest $ 274,117 $ 182,407 $ 108,006 Income taxes recovered ( 1,517 ) ( 3,105 ) ( 2,354 ) Non-cash investing and financing activities: Loans and finance receivables renewed $ 414,138 $ 491,291 $ 320,789

Operating Segment Information

Operating Segment Information	12 Months Ended
	Dec. 31, 2024
Segment Reporting [Abstract]
Operating Segment Information	16 . Operating Segment Information During the three years ended December 31, 2024 , the Company primarily provided online financial services to non-prime credit consumers and small businesses in the United States and Brazil. The Company has one reportable segment, which is composed of the Company’s domestic and international operations and corporate services. The Company has aggregated all components of its business into a single operating segment based on the similarities of the economic characteristics, the nature of the products and services, the nature of the production and distribution methods, the shared technology platforms, the type of customer and the nature of the regulatory environment. The Company's Chief Operating Decision Maker, its Chief Executive Officer , is regularly provided with significant segment expenses at a similar level and category as is disclosed in the Consolidated Statements of Income; as such, separate presentation is not provided in this Note. The following table presents the Company’s revenue by geographic region for the years ended December 31, 2024, 2023 and 2022 (in thousands): Year Ended December 31, 2024 2023 2022 Revenue United States $ 2,604,460 $ 2,087,519 $ 1,722,927 Other international countries 53,340 30,120 13,158 Total revenue $ 2,657,800 $ 2,117,639 $ 1,736,085 The Company’s long-lived assets, which consist of the Company’s property and equipment, were $ 120.0 million and $ 108.7 million at December 31, 2024 and 2023 , respectively. The operations for the Company’s domestic and international businesses are primarily located within the United States, and the value of any long-lived assets located outside of the United States is immaterial.

Fair Value Measurements

Fair Value Measurements	12 Months Ended
	Dec. 31, 2024
Fair Value Disclosures [Abstract]
Fair Value Measurements	17 . Fair Value Measurements Recurring Fair Value Measurements The Company uses a hierarchical framework that prioritizes and ranks the market observability of inputs used in its fair value measurements. Market price observability is affected by a number of factors, including the type of asset or liability and the characteristics specific to the asset or liability being measured. Assets and liabilities with readily available, active, quoted market prices or for which fair value can be measured from actively quoted prices generally are deemed to have a higher degree of market price observability and a lesser degree of judgment used in measuring fair value. The Company classifies the inputs used to measure fair value into one of three levels as follows: • Level 1: Quoted prices in active markets for identical assets or liabilities. • Level 2: Inputs other than Level 1, quoted prices for similar assets or liabilities in active markets, quoted prices for identical or similar assets and liabilities in markets that are not active, and model-derived prices whose inputs are observable or whose significant value drivers are observable. • Level 3: Unobservable inputs for the asset or liability measured. Observable inputs are based on market data obtained from independent sources, while unobservable inputs are based on the Company’s market assumptions. Unobservable inputs require significant management judgment or estimation. In some cases, the inputs used to measure an asset or liability may fall into different levels of the fair value hierarchy. In those cases, the fair value measurement is categorized in its entirety in the same level of the fair value hierarchy as the lowest level of input that is significant to the entire measurement. Such determination requires significant management judgment. During the years ended December 31, 2024 and 2023 , there were no transfers of assets or liabilities between Level 1, 2 or 3. It is the Company’s policy to value any transfers between levels of the fair value hierarchy based on end of period values. The Company’s financial assets that are measured at fair value on a recurring basis as of December 31, 2024 and 2023 are as follows (in thousands): December 31, Fair Value Measurements Using 2024 Level 1 Level 2 Level 3 Financial assets Consumer loans and finance receivables (1) $ 1,639,307 $ — $ — $ 1,639,307 Small business loans and finance receivables (1) 2,747,137 — — 2,747,137 Non-qualified savings plan assets (2) 10,712 10,712 — — Investment in trading security (3) 3,636 3,636 — — Total $ 4,400,792 $ 14,348 $ — $ 4,386,444 December 31, Fair Value Measurements Using 2023 Level 1 Level 2 Level 3 Financial assets Consumer loans and finance receivables (1) $ 1,380,784 $ — $ — $ 1,380,784 Small business loans and finance receivables (1) 2,248,383 — — 2,248,383 Non-qualified savings plan assets (2) 8,045 8,045 — — Investment in trading security (3) 7,169 7,169 — — Total $ 3,644,381 $ 15,214 $ — $ 3,629,167 (1) Consumer loans and finance receivables and small business loans and finance receivables are included in “Loans and finance receivable at fair value” in the Company’s consolidated balance sheets. (2) The non-qualified savings plan assets are included in “Other receivables and prepaid expenses” in the Company’s consolidated balance sheets and have an offsetting liability, which is included in “Accounts payable and accrued expenses” in the Company’s consolidated balance sheets. (3) Investment in trading security is included in “Other assets” in the Company’s consolidated balance sheets. The Company primarily estimates the fair value of its loan and finance receivables portfolio using discounted cash flow models that have been internally developed. The models use inputs, such as estimated losses, prepayments, servicing costs and discount rates, that are unobservable but reflect the Company’s best estimates of the assumptions a market participant would use to calculate fair value. Certain unobservable inputs may, in isolation, have either a directionally consistent or opposite impact on the fair value of the financial instrument for a given change in that input. An increase to the net loss rate, prepayment rate, servicing cost, or discount rate would decrease the fair value of the Company’s loans and finance receivables. When multiple inputs are used within the valuation techniques for loans, a change in one input in a certain direction may be offset by an opposite change from another input. The fair value of the nonqualified savings plan assets was deemed Level 1 as they are publicly traded equity securities for which market prices of identical assets are readily observable. The fair value of the investment in trading security was deemed Level 1 as it is a publicly traded fund with active market pricing that is readily available. The Company had no liabilities measured at fair value on a recurring basis as of December 31, 2024 or 2023. Fair Value Measurements on a Non-Recurring Basis The Company measures non-financial assets and liabilities such as property and equipment and intangible assets at fair value on a nonrecurring basis or when events or circumstances indicate that the carrying amount of the assets may be impaired. At December 31, 2024 and 2023 , there were no assets or liabilities recorded at fair value on a nonrecurring basis. Financial Assets and Liabilities Not Measured at Fair Value The Company’s financial assets and liabilities as of December 31, 2024 and 2023 that are not measured at fair value in the consolidated balance sheets are as follows (in thousands): December 31, Fair Value Measurements Using 2024 Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents $ 73,910 $ 73,910 $ — $ — Restricted cash (1) 248,758 248,758 — — Investment in unconsolidated investee (2) 6,918 — — 6,918 Total $ 329,586 $ 322,668 $ — $ 6,918 Financial liabilities: Revolving line of credit $ 453,000 $ — $ — $ 453,000 Securitization facilities 2,238,279 — 2,246,406 — 11.25 % senior notes due 2028 397,033 — 433,112 — 9.125 % senior notes due 2029 500,000 — 519,360 — Total $ 3,588,312 $ — $ 3,198,878 $ 453,000 December 31, Fair Value Measurements Using 2023 Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents $ 54,357 $ 54,357 $ — $ — Restricted cash (1) 323,082 323,082 — — Investment in unconsolidated investee (2) 6,918 — — 6,918 Total $ 384,357 $ 377,439 $ — $ 6,918 Financial liabilities: Revolving line of credit $ 356,000 $ — $ — $ 356,000 Securitization facilities 1,665,785 — 1,660,596 — 8.50 % senior notes due 2024 168,702 — 168,702 — 8.50 % senior notes due 2025 375,000 — 370,729 — 11.25 % senior notes due 2028 396,284 — 412,588 — Total $ 2,961,771 $ — $ 2,612,615 $ 356,000 (1) Restricted cash includes $ 217.3 million and $ 136.0 million in assets of consolidated VIEs as of December 31, 2024 and 2023 , respectively. (2) Investment in unconsolidated investee is included in “Other assets” in the consolidated balance sheets. Cash and cash equivalents and restricted cash bear interest at market rates and have maturities of less than 90 days . The carrying amount of restricted cash and cash equivalents approximates fair value. The Company measures the fair value of its investment in unconsolidated investee using Level 3 inputs. Because the unconsolidated investee is a private company and financial information is limited, the Company estimates the fair value based on the best available information at the measurement date. The Company measures the fair value of its revolving line of credit using Level 3 inputs. The Company considered the fair value of its other long-term debt and the timing of expected payment(s). The fair values of the Company’s securitization facilities and senior notes are estimated based on quoted prices in markets that are not active, which are deemed Level 2 inputs.

Subsequent Events

Subsequent Events	12 Months Ended
	Dec. 31, 2024
Subsequent Events [Abstract]
Subsequent Events	18 . Subsequent Events Subsequent events have been reviewed through the date these financial statements were issued.

Significant Accounting Polici_2

Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2024
Accounting Policies [Abstract]
Basis of Presentation	Basis of Presentation The consolidated financial statements of the Company included herein have been prepared on the basis of accounting principles generally accepted in the United States (“GAAP”) and reflect the historical results of operations and cash flows of the Company during each respective period. The consolidated financial statements include goodwill and intangible assets arising from businesses previously acquired. The financial information included herein may not be indicative of the consolidated financial position, operating results, changes in stockholders’ equity and cash flows of the Company in the future. Intercompany transactions are eliminated. Certain prior year amounts have been reclassified to conform to current year presentation. The Company consolidates any variable interest entity (“VIE”) where it has determined the Company is the primary beneficiary. The primary beneficiary is the entity which has both the power to direct the activities of the VIE that most significantly impact the VIE’s economic performance as well as the obligation to absorb losses or receive benefits of the entity that could potentially be significant to the VIE.
Use of Estimates	Use of Estimates The preparation of these consolidated financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities, and disclosure of contingent assets and liabilities, at the dates of the consolidated financial statements and the reported amounts of revenue and expenses during the reporting periods. On an on-going basis, management evaluates its estimates and judgments, including those related to revenue recognition, fair value of loans and finance receivables, goodwill, long-lived and intangible assets, income taxes, contingencies and litigation. Management bases its estimates on historical experience, empirical data and on various other assumptions that are believed to be reasonable under the circumstances, the results of which form the basis for making judgments about the carrying values of assets and liabilities. Actual results may differ from these estimates.
Foreign Currency Translations	Foreign Currency Translations The functional currency for the Company’s subsidiaries that serve residents of Brazil is the Brazilian real. The assets and liabilities of these subsidiaries are translated into U.S. dollars at the exchange rate in effect at each balance sheet date, and the resulting adjustments are recorded in “Accumulated other comprehensive income (loss)” (“AOCI”) as a separate component of stockholders’ equity. Revenue and expenses are translated at the monthly average exchange rates occurring during each period.
Cash and Cash Equivalents	Cash and Cash Equivalents The Company considers deposits in banks and short-term investments with original maturities of 90 days or less as cash and cash equivalents.
Cash, Cash Equivalents and Restricted Cash	Restricted Cash The Company includes funds to be used for future debt payments relating to its securitization transactions and escrow deposits in restricted cash and cash equivalents. Cash, Cash Equivalents and Restricted Cash The following table provides a reconciliation of cash, cash equivalents and restricted cash to amounts reported within the consolidated balance sheets (in thousands): December 31, 2024 2023 2022 Cash and cash equivalents $ 73,910 $ 54,357 $ 100,165 Restricted cash 248,758 323,082 78,235 Total cash, cash equivalents and restricted cash $ 322,668 $ 377,439 $ 178,400
Revenue Recognition	Revenue Recognition The Company recognizes revenue based on the financing products and services it offers and on loans it acquires. “Revenue” in the consolidated statements of income primarily includes: interest income, statement and draw fees on line of credit accounts, fees for services provided through the Company’s CSO program (“CSO fees”), revenue on RPAs, origination fees and other fees as permitted by applicable laws and pursuant to the agreement with the customer. Interest income is generally recognized on an effective yield basis over the contractual term of the loan on installment loans or the estimated outstanding period of the draw on line of credit accounts. Statement fees on line of credit accounts are similar to interest charges and are generally recognized similarly to interest income. Draw fees on line of credit accounts are generally recognized at the time of draw. Revenue on RPAs is recognized over the projected delivery term of the agreement. CSO fees are recognized over the term of the loan. Origination fees are charged to customers on certain installment loan products and are recognized upon origination.
Loans and Finance Receivables	Loans and Finance Receivables The Company utilizes the fair value option on its entire loan and finance receivable portfolio. As such, loans and finance receivables are carried at fair value in the consolidated balance sheet with changes in fair value recorded in the consolidated income statement. To derive the fair value, the Company generally utilizes discounted cash flow analyses that factor in estimated losses, prepayments and servicing costs over the estimated duration of the underlying assets. Loss, prepayment and servicing cost assumptions are determined using historical loss data and include appropriate consideration of recent trends and anticipated future performance. Future cash flows are discounted using a rate of return that the Company believes a market participant would require. Accrued and unpaid interest and fees are included in “Loans and finance receivables at fair value” in the consolidated balance sheets. If a loan is renewed or refinanced, the renewal or refinanced loan is considered a new loan. The Company generally does not consider modifications that do not necessitate the customer to sign a new loan agreement to be new loans.
Current and Delinquent Loans and Finance Receivables	Current and Delinquent Loans and Finance Receivables The Company classifies its loans and finance receivables as either current or delinquent. When a customer does not make a scheduled payment in full as of the due date, the receivable is considered delinquent. For the OnDeck portfolio, there is no accrual of interest income on loans when the customer misses their most recent payment. Excluding the OnDeck portfolio, there is no accrual of interest income on loans when a customer falls more than one payment behind. Loans may be returned to accrual status if the customer rectifies and the loan no longer meets non-accrual criteria. The Company allows for normal payment processing time before considering a loan delinquent but does not provide for any additional grace period. The Company offers certain forbearance options on its loan products with features such as payment deferrals without the incurrence of additional finance charges or late fees. If a loan is deemed to be current and the customer makes a deferral or payment modification, the loan is still deemed to be current until the next scheduled payment is missed. For consumer loans and finance receivables, the Company generally charges off a delinquent loan after 65 days past due, or earlier if deemed uncollectible at that point. For small business loans and finance receivables, the Company generally charges off a loan when it is probable that that it will be unable to collect all of the remaining principal payments, which is generally after 90 days of delinquency and 30 days of non-activity. Recoveries on loans and finance receivables that were previously charged off are generally recognized when collected or sold.
Property and Equipment	Property and Equipment Property and equipment is recorded at cost. The cost of property retired or sold and the related accumulated depreciation are removed from the accounts, and any resulting gain or loss is recognized in the consolidated statements of income. Costs associated with repair and maintenance activities are expensed as incurred. Depreciation expense is generally provided on a straight-line basis, using the following estimated useful lives: Computer hardware and software 3 to 5 years Furniture, fixtures and equipment 3 to 7 years Leasehold improvements (1) 3 to 10 years (1) Leasehold improvements are depreciated over the lesser of the estimated useful life, remaining lease term, or 10 years.
Software Development Costs	Software Development Costs The Company applies ASC 350-40, Internal Use Software (“ASC 350-40”), to its software purchase and development activities. Under ASC 350-40, eligible internal and external costs incurred for the development of computer software applications, as well as for upgrades and enhancements that result in additional functionality of the applications, are capitalized to “Property and equipment” on the consolidated balance sheets. Internal and external training and maintenance costs are charged to expense as incurred or over the related service period. When a software application is placed in service, the Company begins amortizing the related capitalized software costs using the straight-line method based on its estimated useful life, which generally ranges from three to five years .
Goodwill	Goodwill Goodwill represents the excess of the purchase price over the fair value of the net tangible and identifiable intangible assets acquired in each business combination. In accordance with ASC 350, Intangibles—Goodwill and Other (“ASC 350”), the Company tests goodwill for potential impairment annually as of October 1 and between annual tests if an event occurs or circumstances change that would more likely than not reduce the fair value of a reporting unit below its carrying amount. The Company first assesses qualitative factors to determine whether it is necessary to perform the quantitative goodwill impairment test. In assessing the qualitative factors, management considers relevant events and circumstances including but not limited to macroeconomic conditions, industry and market environment, overall financial performance of the Company, cash flow from operating activities, market capitalization and stock price. If the Company determines that the quantitative impairment test is required, management uses the income approach to complete its annual goodwill assessment. The income approach uses future cash flows and estimated terminal values for the Company that are discounted using a market participant perspective to determine the fair value, which is then compared to the carrying value to determine if there is impairment. The income approach includes assumptions about revenue growth rates, operating margins and terminal growth rates discounted by an estimated weighted-average cost of capital derived from other publicly-traded companies that are similar but not identical from an operational and economic standpoint.
Long-Lived Assets Other Than Goodwill	Long-Lived Assets Other Than Goodwill An evaluation of the recoverability of property and equipment and intangible assets subject to amortization is performed whenever the facts and circumstances indicate that the carrying value may be impaired. An impairment loss is recognized if the future undiscounted cash flows associated with the asset and the estimated fair value of the asset are less than the asset’s corresponding carrying value. The amount of the impairment loss, if any, is the excess of the asset’s carrying value over its estimated fair value. The Company amortizes intangible assets subject to amortization on the basis of their expected periods of benefit, generally three to 20 years . The costs of start-up activities and organization costs are charged to expense as incurred.
Investments in Unconsolidated Investees	Investments in Unconsolidated Investees The Company owns a 20 % equity interest in On Deck Capital Australia PTY LTD (“OnDeck Australia”), which is recorded using the equity method of accounting. As of December 31, 2024 the carrying value of the Company’s ownership in OnDeck Australia was $ 0.1 million, which the Company included in “Other assets” on the consolidated balance sheets. As of December 31, 2023 , the carrying value of the Company’s investment in OnDeck Australia was $ 0.0 million. On February 24, 2021, the Company contributed the platform-as-service business assumed in the OnDeck acquisition to Linear Financial Technologies Holding LLC (“Linear”) in exchange for ownership units in that entity. The Company recorded its interest in Linear under the equity method of accounting and included it in “Other assets” on the consolidated balance sheets. In 2022, the Company recognized a gain of $ 11.0 million related to the sale by Linear of its operating company. In the third quarter of 2024, Linear was dissolved, with its sole assets, consisting of preferred shares in a separate company, being distributed to the holders of Linear’s ownership units. Concurrently in the third quarter of 2024, the separate company executed a capital raise in which the Company opted not to participate that resulted in the Company’s preferred shares having a substantially less preferential position in the separate company’s capital structure. Because of their subordinated position, the preferred shares were valued at $ 0 . As such, the Company recorded a loss of $ 16.6 million during 2024, which includes the carrying value of the investment of $ 16.1 million and the remaining unrealized loss of $ 0.5 million that had been recorded directly in accumulated other comprehensive income. As of December 31, 2024 and 2023 , the carrying value of the Company’s investment in Linear was $ 0 and $ 16.1 million, respectively. Equity method income has been included in “Equity method investment income” in the consolidated income statements.
Marketing Expenses	Marketing Expenses Marketing expenses consist of digital costs, lead purchase costs and offline marketing costs such as television and direct mail advertising. All marketing expenses are expensed as incurred.
Operations and Technology Expenses	Operations and Technology Expenses Operations and technology expenses include all expenses related to the direct operations and technology infrastructure related to loan underwriting and processing. This includes, but is not limited to, contact center and operations personnel costs, software maintenance expense, underwriting data from third-party vendors, bank/transaction fees and collection costs.
General and Administrative Expenses	General and Administrative Expenses General and administrative expenses primarily include the Company’s corporate personnel costs, as well as legal, occupancy, and other related costs.
Stock Based Compensation	Stock-Based Compensation The Company accounts for its stock-based employee compensation plans in accordance with ASC 718, Compensation—Stock Compensation (“ASC 718”). Under this guidance the fair value of share-based compensation is determined at the grant date and the recognition of the related expense is recorded over the period in which the share-based compensation vests. However, with respect to income taxes, the related deduction from taxes payable is based on the award’s intrinsic value at the time of exercise (for an option) or on the fair value upon vesting of the award (for restricted stock units), which can be either greater (creating an excess tax benefit) or less (creating a tax deficiency) than the deferred tax benefit that is recorded as compensation cost is recognized in the consolidated financial statements. These excess tax benefits (deficiencies) are recognized in “Provision for income taxes” in the period that the tax deduction arises. In the consolidated statement of cash flows, they are classified in operating activities in the same manner as other cash flows related to income taxes.
Income Taxes	Income Taxes The provision for income taxes is based on income before income taxes as reported for financial statement purposes. Deferred income taxes are provided for in accordance with the asset and liability method of accounting for income taxes in order to recognize the tax effects of temporary differences between the tax basis of an asset or liability and its reported amount in the consolidated financial statements. The Company accounts for uncertainty in income taxes in accordance with ASC 740, Income Taxes (“ASC 740”), which requires that a more-likely-than-not threshold (greater than 50 percent) be met before the benefit of a tax position may be recognized in the consolidated financial statements and prescribes how such benefit should be measured. The Company records interest and penalties related to tax matters as income tax expense in the consolidated statements of income. The Company performs an evaluation of the recoverability of its deferred tax assets on a quarterly basis. The Company establishes a valuation allowance if it is more likely than not that all or some portion of the deferred tax asset will not be realized. The Company analyzes several factors, including the nature and frequency of operating losses, the Company’s carryforward period for any losses, the reversal of future taxable temporary differences, the expected occurrence of future income or loss and the feasibility of available tax planning strategies to protect against the loss of deferred tax assets. See Note 9 for further discussion.
Earnings Per Share	Earnings Per Share Basic earnings per share is computed by dividing net income by the weighted average number of common shares outstanding during the year. Diluted earnings per share is calculated by giving effect to the potential dilution that could occur if securities or other contracts to issue common shares were exercised and converted into common shares during the year. Restricted stock units issued under the Company’s stock-based employee compensation plans are included in diluted shares upon the granting of the awards even though the vesting of shares will occur over time. The following table sets forth the reconciliation of numerators and denominators of basic and diluted earnings per share computations for the years ended December 31, 2024, 2023 and 2022 (in thousands, except per share amounts): Year Ended December 31, 2024 2023 2022 Numerator: Net Income $ 209,448 $ 175,121 $ 207,424 Denominator: Total weighted average basic shares 26,920 30,673 32,290 Shares applicable to stock-based compensation 1,282 1,248 1,193 Total weighted average diluted shares 28,202 31,921 33,483 Earnings per common share – basic $ 7.78 $ 5.71 $ 6.42 Earnings per common share – diluted $ 7.43 $ 5.49 $ 6.19 For the years ended December 31, 2024, 2023 and 2022 , 177,247 , 351,699 and 530,471 shares of common stock underlying stock options, respectively, were excluded from the calculation of diluted net earnings per share because their effect would have been antidilutive. For the year ended December 31, 2024 , there were 1,394 shares, for the year ended December 31, 2023 , there were 235,237 shares and for the year ended December 31, 2022 , there were no shares of common stock underlying restricted stock units that were excluded from the calculation of diluted net earnings per share because their effect would have been antidilutive.

Significant Accounting Polici_3

Significant Accounting Policies (Tables)	12 Months Ended
	Dec. 31, 2024
Accounting Policies [Abstract]
Schedule of Reconciliation of Cash, Cash Equivalents and Restricted Cash	The following table provides a reconciliation of cash, cash equivalents and restricted cash to amounts reported within the consolidated balance sheets (in thousands): December 31, 2024 2023 2022 Cash and cash equivalents $ 73,910 $ 54,357 $ 100,165 Restricted cash 248,758 323,082 78,235 Total cash, cash equivalents and restricted cash $ 322,668 $ 377,439 $ 178,400
Schedule of Property and Equipment Estimated Useful Lives	Depreciation expense is generally provided on a straight-line basis, using the following estimated useful lives: Computer hardware and software 3 to 5 years Furniture, fixtures and equipment 3 to 7 years Leasehold improvements (1) 3 to 10 years (1) Leasehold improvements are depreciated over the lesser of the estimated useful life, remaining lease term, or 10 years.
Schedule of Reconciliation of Numerators and Denominators of Basic and Diluted Earnings per Share Computations	The following table sets forth the reconciliation of numerators and denominators of basic and diluted earnings per share computations for the years ended December 31, 2024, 2023 and 2022 (in thousands, except per share amounts): Year Ended December 31, 2024 2023 2022 Numerator: Net Income $ 209,448 $ 175,121 $ 207,424 Denominator: Total weighted average basic shares 26,920 30,673 32,290 Shares applicable to stock-based compensation 1,282 1,248 1,193 Total weighted average diluted shares 28,202 31,921 33,483 Earnings per common share – basic $ 7.78 $ 5.71 $ 6.42 Earnings per common share – diluted $ 7.43 $ 5.49 $ 6.19

Loans and Finance Receivables (

Loans and Finance Receivables (Tables)	12 Months Ended
	Dec. 31, 2024
Receivables [Abstract]
Schedule of Revenue Generated from Loans and Finance Receivables	Revenue generated from the Company’s loans and finance receivables for the years ended December 31, 2024, 2023 and 2022 was as follows (in thousands): Year Ended December 31, 2024 2023 2022 Consumer loans and finance receivables revenue $ 1,576,821 $ 1,295,231 $ 1,065,033 Small business loans and finance receivables revenue 1,043,475 790,804 647,822 Total loans and finance receivables revenue 2,620,296 2,086,035 1,712,855 Other 37,504 31,604 23,230 Total Revenue $ 2,657,800 $ 2,117,639 $ 1,736,085
Components of Company-owned Loans and Finance Receivables at Fair Value	The components of Company-owned loans and finance receivables at December 31, 2024 and 2023 were as follows (in thousands): As of December 31, 2024 Small Consumer Business Total Principal balance - accrual $ 1,210,042 $ 2,290,132 $ 3,500,174 Principal balance - non-accrual 143,972 166,298 310,270 Total principal balance 1,354,014 2,456,430 3,810,444 Accrued interest and fees 128,956 27,086 156,042 Loans and finance receivables at fair value - accrual 1,617,708 2,672,714 4,290,422 Loans and finance receivables at fair value - non-accrual 21,599 74,423 96,022 Loans and finance receivables at fair value 1,639,307 2,747,137 4,386,444 Difference between principal balance and fair value $ 285,293 $ 290,707 $ 576,000 As of December 31, 2023 Small Consumer Business Total Principal balance - accrual $ 1,019,057 $ 1,860,419 $ 2,879,476 Principal balance - non-accrual 119,871 155,388 275,259 Total principal balance 1,138,928 2,015,807 3,154,735 Accrued interest and fees 107,747 34,600 142,347 Loans and finance receivables at fair value - accrual 1,358,734 2,172,404 3,531,138 Loans and finance receivables at fair value - non-accrual 22,050 75,979 98,029 Loans and finance receivables at fair value $ 1,380,784 $ 2,248,383 $ 3,629,167 Difference between principal balance and fair value $ 241,856 $ 232,576 $ 474,432
Schedule of Changes in Fair Value of Company-owned Loans and Finance Receivables	Changes in the fair value of Company-owned loans and finance receivables during the years ended December 31, 2024 and 2023 were as follows (dollars in thousands): Year Ended December 31, 2024 Small Consumer Business Total Balance at beginning of period $ 1,380,784 $ 2,248,383 $ 3,629,167 Originations or acquisitions (1) 2,018,359 4,035,963 6,054,322 Interest and fees (2) 1,576,821 1,043,475 2,620,296 Repayments ( 2,564,901 ) ( 4,225,054 ) ( 6,789,955 ) Charge-offs, net (3) ( 785,317 ) ( 421,275 ) ( 1,206,592 ) Net change in fair value (3) 21,733 65,645 87,378 Effect of foreign currency translation ( 8,172 ) — ( 8,172 ) Balance at end of period $ 1,639,307 $ 2,747,137 $ 4,386,444 Year Ended December 31, 2023 Small Consumer Business Total Balance at beginning of period $ 1,083,062 $ 1,935,466 $ 3,018,528 Originations or acquisitions (1) 1,614,464 3,192,315 4,806,779 Interest and fees (2) 1,295,231 790,804 2,086,035 Repayments ( 2,024,570 ) ( 3,379,383 ) ( 5,403,953 ) Charge-offs, net (3) ( 680,185 ) ( 350,611 ) ( 1,030,796 ) Net change in fair value (3) 91,653 59,792 151,445 Effect of foreign currency translation 1,129 — 1,129 Balance at end of period $ 1,380,784 $ 2,248,383 $ 3,629,167 (1) Originations or acquisitions is presented on a cost basis . (2) Included in “Revenue” in the consolidated statements of income. (3) Included in “Change in Fair Value” in the consolidated statements of income.

Property and Equipment (Tables)

Property and Equipment (Tables)	12 Months Ended
	Dec. 31, 2024
Property, Plant and Equipment [Abstract]
Classifications of Property and Equipment	Major classifications of property and equipment at December 31, 2024 and 2023 were as follows (in thousands): As of December 31, 2024 Cost Accumulated Depreciation Net Computer software $ 210,268 $ ( 103,017 ) $ 107,251 Furniture, fixtures and equipment 34,253 ( 27,085 ) 7,168 Leasehold improvements 16,724 ( 11,187 ) 5,537 Total $ 261,245 $ ( 141,289 ) $ 119,956 As of December 31, 2023 Cost Accumulated Depreciation Net Computer software $ 183,230 $ ( 93,546 ) $ 89,684 Furniture, fixtures and equipment 34,959 ( 22,943 ) 12,016 Leasehold improvements 21,644 ( 14,639 ) 7,005 Total $ 239,833 $ ( 131,128 ) $ 108,705

Goodwill and Other Intangible_2

Goodwill and Other Intangible Assets (Tables)	12 Months Ended
	Dec. 31, 2024
Goodwill and Intangible Assets Disclosure [Abstract]
Summary of Acquired Intangible Assets	Acquired intangible assets that are subject to amortization as of December 31, 2024 and 2023, were as follows (in thousands): As of December 31, 2024 Cost Accumulated Amortization Net Developed technology $ 25,980 $ ( 21,013 ) $ 4,967 Trade names and trademarks 11,184 ( 6,875 ) 4,309 Licenses 3,100 ( 2,325 ) 775 Customer relationships 1,900 ( 1,425 ) 475 Lead provider and broker relationships 1,700 ( 1,275 ) 425 Total $ 43,864 $ ( 32,913 ) $ 10,951 As of December 31, 2023 Cost Accumulated Amortization Net Developed technology $ 25,980 $ ( 15,817 ) $ 10,163 Trade names and trademarks 11,214 ( 5,387 ) 5,827 Licenses 3,100 ( 1,705 ) 1,395 Customer relationships 1,900 ( 1,045 ) 855 Lead provider and broker relationships 1,700 ( 935 ) 765 Total $ 43,894 $ ( 24,889 ) $ 19,005
Summary of Estimated Future Amortization Expense	Estimated future amortization expense for the years ended December 31, is as follows (in thousands): Year Amount 2025 $ 7,291 2026 2,029 2027 806 2028 110 2029 110

Accounts Payable and Accrued _2

Accounts Payable and Accrued Expenses (Tables)	12 Months Ended
	Dec. 31, 2024
Payables and Accruals [Abstract]
Schedule of Accounts Payable and Accrued Expenses	Accounts payable and accrued expenses at December 31, 2024 and 2023 were as follows (in thousands): As of December 31, 2024 2023 Unrecognized tax benefits $ 82,463 $ 135,229 Trade accounts payable 58,950 43,330 Accrued payroll and fringe benefits 45,784 34,758 Accrued interest payable 30,501 27,673 Liability for consumer loans funded by third-party lender 19,357 11,610 Accrual for consumer loan payments rejected for non-sufficient funds 10,943 6,568 Other accrued liabilities 1,972 1,988 Total $ 249,970 $ 261,156

Marketing Expenses (Tables)

Marketing Expenses (Tables)	12 Months Ended
	Dec. 31, 2024
Marketing Expenses [Abstract]
Schedule of Marketing Expenses	Marketing expenses for the years ended December 31, 2024, 2023 and 2022 were as follows (in thousands): Year Ended December 31, 2024 2023 2022 Customer procurement expense including lead purchase costs $ 292,794 $ 230,910 $ 248,446 Advertising 230,775 183,550 134,127 Total $ 523,569 $ 414,460 $ 382,573

Leases (Tables)

Leases (Tables)	12 Months Ended
	Dec. 31, 2024
Leases [Abstract]
Lease Expenses	Lease expenses for the years ended December 31, 2024, 2023 and 2022 were as follows (in thousands): Year Ended December 31, 2024 2023 2022 Operating lease cost $ 4,814 $ 4,983 $ 7,652 Operating lease impairment/termination charge — — ( 72 ) Variable lease cost 746 1,252 723 Short-term lease cost 493 1,208 383 Sublease income ( 281 ) ( 1,175 ) ( 226 ) Total lease cost $ 5,772 $ 6,268 $ 8,460
Future Minimum Lease Payments	Future minimum lease payments as of December 31, 2024 are as follows (in thousands): Year Amount 2025 $ 3,471 2026 4,341 2027 6,619 2028 6,213 2029 5,518 Thereafter 22,404 Total lease payments $ 48,566 Less: interest 16,401 Present value of lease liabilities $ 32,165
Weighted Average Remaining Lease Term and Discount Rate	The weighted average remaining lease term and discount rate as of December 31, 2024 and 2023 were as follows: December 31, 2024 2023 Weighted average remaining lease term (years) Operating leases 8.1 8.5 Weighted average discount rate Operating leases 8.81 % 9.01 %
Supplemental Cash Flow Disclosures Related to Leases	Supplemental cash flow disclosures related to leases for the years ended December 31, 2024 and 2023 were as follows (in thousands): Year Ended December 31, 2024 2023 Cash paid for amounts included in the measurement of lease liabilities Operating cash flows from operating leases $ 3,790 $ 7,735 Noncash transactions related to adjustments to lease liability and right-of-use asset Operating leases 6,186 ( 2,969 )

Long-term Debt (Tables)

Long-term Debt (Tables)	12 Months Ended
	Dec. 31, 2024
Debt Disclosure [Abstract]
Summary of Long-Term Debt Instruments and Balances Outstanding	The Company’s long-term debt instruments and balances outstanding as of December 31, 2024 and 2023 were as follows (in thousands): Weighted Outstanding Revolving average Borrowing December 31, period end date Maturity date interest rate (1) capacity 2024 2023 Funding Debt: 2018-1 Securitization Facility March 2025 March 2026 8.94 % $ 200,000 $ 32,200 $ 92,964 2018-2 Securitization Facility July 2023 July 2025 (2) — — — 66,110 NCR 2022 Securitization Facility October 2026 October 2028 8.62 % 200,000 119,039 43,975 NCLOCR 2024 Securitization Facility February 2027 February 2028 9.87 % 150,000 99,000 — ODR 2021-1 Securitization Facility November 2025 November 2026 8.09 % 233,333 233,333 151,331 ODR 2022-1 Securitization Facility June 2026 June 2027 8.23 % 420,000 188,342 277,586 RAOD Securitization Facility November 2026 November 2027 7.30 % 236,842 192,000 142,110 HWCR 2023 Securitization Facility September 2026 September 2027 8.80 % 487,595 331,214 287,214 ODAST III Securitization Notes April 2024 May 2027 (3) — — — 300,000 2023-A Securitization Notes — December 2027 7.78 % 32,116 32,116 78,865 2024-A Securitization Notes — October 2030 7.75 % 123,546 123,546 — ODAS IV 2023-1 Securitization Notes July 2026 August 2030 7.66 % 227,051 227,051 227,051 ODAS IV 2024-1 Securitization Notes May 2027 June 2031 6.84 % 399,574 399,574 — ODAS IV 2024-2 Securitization Notes September 2027 October 2031 5.78 % 261,353 261,353 — Total funding debt 7.70 % $ 2,971,410 $ 2,238,768 $ 1,667,206 Corporate Debt: 9.125 % Senior Notes Due 2029 — August 2029 9.13 % $ 500,000 $ 500,000 $ — 11.25 % Senior Notes Due 2028 — December 2028 11.25 % 400,000 400,000 400,000 8.50 % Senior Notes Due 2025 — September 2025 8.50 % — — 375,000 8.50 % Senior Notes Due 2024 — September 2024 8.50 % — — 168,702 Revolving line of credit June 2026 June 2026 7.93 % 665,000 (4) 453,000 356,000 Total corporate debt 9.35 % $ 1,565,000 $ 1,353,000 $ 1,299,702 Less: Long-term debt issuance costs $ ( 24,830 ) $ ( 17,966 ) Less: Debt discounts ( 3,456 ) ( 5,137 ) Total long-term debt $ 3,563,482 $ 2,943,805 (1) The weighted average interest rate is determined based on the rates and principal balances on December 31, 2024 . It does not include the impact of the amortization of deferred loan origination costs or debt discounts. (2) On May 31, 2024, the remaining outstanding balance on this facility was paid in full and the facility was terminated . (3) On May 17, 2024, the remaining outstanding balance of these notes were paid in full and the facility was terminated . (4) The Company had outstanding letters of credit under the Revolving line of credit of $ 0.7 and $ 0.8 million as of December 31, 2024 and 2023 , respectively.
Schedule of Maturities of Long-term Debt	As of December 31, 2024, required principal payments under the terms of the long-term debt for each of the five years after December 31, 2024 are as follows (in thousands): Year Amount 2025 $ — 2026 453,000 2027 — 2028 400,000 2029 500,000 Thereafter — Securitization (1) 2,238,768 Total $ 3,591,768 (1) The 2018-1 Securitization Facility matures in March 2026 , the NCR 2022 Securitization Facility matures in October 2028 , the NCLOCR 2024 Securitization Facility matures in February 2028 , the ODR 2021-1 Securitization Facility matures in November 2026 , the ODR 2022-1 Securitization Facility matures in June 2027 , the RAOD Securitization Facility matures in November 2027 , the HWCR 2023 Securitization Facility matures in September 2027 , the 2023-A Securitization Notes mature in December 2027 , the 2024-A Securitization Notes mature in October 2030 , the ODAS IV 2023-1 Securitization Notes mature in August 2030 , the ODAS IV 2024-1 Securitization Notes mature in June 2031 and the ODAS IV 2024-2 Securitization Notes mature in October 2031 .

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2024
Income Tax Disclosure [Abstract]
Schedule of Deferred Tax Assets and Liabilities	The components of the Company’s deferred tax assets and liabilities as of December 31, 2024 and 2023 were as follows (in thousands): As of December 31, 2024 2023 Deferred tax assets: Compensation and benefits $ 6,858 $ 4,772 Translation adjustments 4,940 2,264 Lease liability 7,532 6,354 Foreign net operating loss carryforward 8,200 6,194 U.S. net operating loss carryforward 10,539 9,193 Capitalized intangible costs 28,938 25,198 Capital loss carryforward 5,136 919 Other 5,481 3,390 Total deferred tax assets 77,624 58,284 Deferred tax liabilities: Amortizable intangible assets 61,418 62,829 Loans and finance receivables, net 186,224 62,877 Property and equipment 26,606 23,881 Operating lease right-of-use asset 4,285 3,352 Other 2,203 2,660 Total deferred tax liabilities 280,736 155,599 Net deferred tax liabilities before valuation allowance ( 203,112 ) ( 97,315 ) Valuation allowance ( 20,478 ) ( 16,035 ) Net deferred tax liabilities $ ( 223,590 ) $ ( 113,350 )
Schedule of Components of Income Tax Expense (Benefit)	The components of the provision for income taxes and the income to which it relates for the years ended December 31, 2024, 2023 and 2022 are shown below (in thousands): Year Ended December 31, 2024 2023 2022 Income before income taxes: Domestic $ 270,682 $ 226,638 $ 272,863 International 419 609 ( 289 ) Income before income taxes $ 271,101 $ 227,247 $ 272,574 Current provision: Federal $ ( 42,149 ) $ 38,260 $ 41,942 International 98 518 — State and local ( 9,019 ) 4,792 6,218 Total current provision $ ( 51,070 ) $ 43,570 $ 48,160 Deferred provision: Federal $ 96,736 $ 7,483 $ 15,566 State and local 15,987 1,073 1,424 Total deferred provision $ 112,723 $ 8,556 $ 16,990 Total provision for income taxes $ 61,653 $ 52,126 $ 65,150
Schedule of Effective Income Tax Rate Reconciliation	The effective tax rate on income differs from the federal statutory rate of 21 % for the years ended December 31, 2024, 2023 and 2022, for the following reasons (dollars in thousands): Year Ended December 31, 2024 2023 2022 Tax provision computed at the federal statutory income tax rate $ 56,931 $ 47,722 $ 57,240 State and local income taxes, net of federal tax benefits 7,249 3,815 8,752 Nondeductible regulatory settlement — 3,150 — Release of uncertain tax position ( 2,772 ) ( 2,541 ) ( 460 ) Other 245 ( 20 ) ( 382 ) Total provision $ 61,653 $ 52,126 $ 65,150 Effective tax rate 22.7 % 22.9 % 23.9 %
Summary of Valuation Allowance Activity	The following table summarizes the valuation allowance activity for the years ended December 31, 2024, 2023 and 2022 (in thousands): Year Ended December 31, 2024 2023 2022 Balance at beginning of period $ 16,035 $ 11,088 $ 8,568 Additions 4,443 4,963 2,683 Deductions — ( 16 ) ( 163 ) Balance at end of period $ 20,478 $ 16,035 $ 11,088
Reconciliation of Activity Related to Unrecognized Tax Benefits	A reconciliation of the activity related to unrecognized tax benefits follows for the years ended December 31, 2024, 2023 and 2022 (in thousands): Year Ended December 31, 2024 2023 2022 Balance at beginning of period $ 173,707 $ 83,833 $ 42,024 Additions based on tax positions related to the current year 97,348 169,811 78,925 Additions for tax positions of prior years 59 244 276 Reductions for tax positions of prior years ( 169,345 ) ( 76,100 ) ( 36,638 ) Reductions due to lapsed statute of limitations ( 2,367 ) ( 4,081 ) ( 754 ) Reductions due to settlement with taxing authorities ( 125 ) — — Balance at end of period $ 99,277 $ 173,707 $ 83,833

Employee Benefit Plans (Tables)

Employee Benefit Plans (Tables)	12 Months Ended
	Dec. 31, 2024
Retirement Benefits [Abstract]
Schedule of Amounts Included in Consolidated Balance Sheets Relating to NQSP and SERP	Amounts included in the consolidated balance sheets relating to the NQSP and the SERP were as follows (in thousands): As of December 31, 2024 2023 Other receivables and prepaid expenses $ 10,712 $ 8,045 Accounts payable and accrued expenses $ 11,251 $ 8,531

Stock-Based Compensation (Table

Stock-Based Compensation (Tables) - Enova LTIP	12 Months Ended
	Dec. 31, 2024
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Summary of RSU Activity	The following table summarizes the Company’s RSU activity during 2024, 2023 and 2022: Year Ended December 31, Year Ended December 31, Year Ended December 31, 2024 2023 2022 Units Weighted Average Fair Value at Date of Grant Units Weighted Average Fair Value at Date of Grant Units Weighted Average Fair Value at Date of Grant Outstanding at beginning of year 1,489,809 $ 41.40 1,540,579 $ 32.06 1,745,481 $ 25.80 Units granted 478,537 54.79 638,419 51.94 593,916 43.15 Shares issued ( 617,291 ) 36.36 ( 624,264 ) 29.10 ( 640,337 ) 24.87 Units forfeited ( 99,245 ) 49.75 ( 64,925 ) 41.71 ( 158,481 ) 32.74 Outstanding at end of year 1,251,810 $ 48.34 1,489,809 $ 41.40 1,540,579 $ 32.06
Summary of Stock Option Activity	The following table summarizes the Company’s stock option activity during 2024, 2023 and 2022: Year Ended December 31, Year Ended December 31, Year Ended December 31, 2024 2023 2022 Units Weighted Average Exercise Price Units Weighted Average Exercise Price Units Weighted Average Exercise Price Outstanding at beginning of year 2,120,241 $ 28.98 2,202,687 $ 23.80 2,104,013 $ 20.65 Options granted 237,157 68.97 306,105 47.89 378,725 37.00 Options exercised ( 563,811 ) 21.63 ( 388,551 ) 14.52 ( 263,090 ) 15.80 Options forfeited — — — — ( 16,961 ) 30.46 Outstanding at end of year 1,793,587 $ 36.58 2,120,241 $ 28.98 2,202,687 $ 23.80 Exercisable options at end of year 1,170,738 28.14 1,450,841 23.24 1,471,971 19.72

Supplemental Disclosures of C_2

Supplemental Disclosures of Cash Flow information (Tables)	12 Months Ended
	Dec. 31, 2024
Supplemental Cash Flow Elements [Abstract]
Schedule of Cash and Non-Cash Activities	The following table sets forth certain cash and non-cash activities for the years ended December 31, 2024, 2023 and 2022 (in thousands): Year Ended December 31, 2024 2023 2022 Cash paid during the year for: Interest $ 274,117 $ 182,407 $ 108,006 Income taxes recovered ( 1,517 ) ( 3,105 ) ( 2,354 ) Non-cash investing and financing activities: Loans and finance receivables renewed $ 414,138 $ 491,291 $ 320,789

Operating Segment Information (

Operating Segment Information (Tables)	12 Months Ended
	Dec. 31, 2024
Segment Reporting [Abstract]
Summary of Company's Revenue by Geographical Region	The following table presents the Company’s revenue by geographic region for the years ended December 31, 2024, 2023 and 2022 (in thousands): Year Ended December 31, 2024 2023 2022 Revenue United States $ 2,604,460 $ 2,087,519 $ 1,722,927 Other international countries 53,340 30,120 13,158 Total revenue $ 2,657,800 $ 2,117,639 $ 1,736,085

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	12 Months Ended
	Dec. 31, 2024
Fair Value Disclosures [Abstract]
Fair Value Assets Measured on Recurring Basis	The Company’s financial assets that are measured at fair value on a recurring basis as of December 31, 2024 and 2023 are as follows (in thousands): December 31, Fair Value Measurements Using 2024 Level 1 Level 2 Level 3 Financial assets Consumer loans and finance receivables (1) $ 1,639,307 $ — $ — $ 1,639,307 Small business loans and finance receivables (1) 2,747,137 — — 2,747,137 Non-qualified savings plan assets (2) 10,712 10,712 — — Investment in trading security (3) 3,636 3,636 — — Total $ 4,400,792 $ 14,348 $ — $ 4,386,444 December 31, Fair Value Measurements Using 2023 Level 1 Level 2 Level 3 Financial assets Consumer loans and finance receivables (1) $ 1,380,784 $ — $ — $ 1,380,784 Small business loans and finance receivables (1) 2,248,383 — — 2,248,383 Non-qualified savings plan assets (2) 8,045 8,045 — — Investment in trading security (3) 7,169 7,169 — — Total $ 3,644,381 $ 15,214 $ — $ 3,629,167 (1) Consumer loans and finance receivables and small business loans and finance receivables are included in “Loans and finance receivable at fair value” in the Company’s consolidated balance sheets. (2) The non-qualified savings plan assets are included in “Other receivables and prepaid expenses” in the Company’s consolidated balance sheets and have an offsetting liability, which is included in “Accounts payable and accrued expenses” in the Company’s consolidated balance sheets. (3) Investment in trading security is included in “Other assets” in the Company’s consolidated balance sheets.
Financial Assets and Liabilities Not Measured at Fair Value	The Company’s financial assets and liabilities as of December 31, 2024 and 2023 that are not measured at fair value in the consolidated balance sheets are as follows (in thousands): December 31, Fair Value Measurements Using 2024 Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents $ 73,910 $ 73,910 $ — $ — Restricted cash (1) 248,758 248,758 — — Investment in unconsolidated investee (2) 6,918 — — 6,918 Total $ 329,586 $ 322,668 $ — $ 6,918 Financial liabilities: Revolving line of credit $ 453,000 $ — $ — $ 453,000 Securitization facilities 2,238,279 — 2,246,406 — 11.25 % senior notes due 2028 397,033 — 433,112 — 9.125 % senior notes due 2029 500,000 — 519,360 — Total $ 3,588,312 $ — $ 3,198,878 $ 453,000 December 31, Fair Value Measurements Using 2023 Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents $ 54,357 $ 54,357 $ — $ — Restricted cash (1) 323,082 323,082 — — Investment in unconsolidated investee (2) 6,918 — — 6,918 Total $ 384,357 $ 377,439 $ — $ 6,918 Financial liabilities: Revolving line of credit $ 356,000 $ — $ — $ 356,000 Securitization facilities 1,665,785 — 1,660,596 — 8.50 % senior notes due 2024 168,702 — 168,702 — 8.50 % senior notes due 2025 375,000 — 370,729 — 11.25 % senior notes due 2028 396,284 — 412,588 — Total $ 2,961,771 $ — $ 2,612,615 $ 356,000 (1) Restricted cash includes $ 217.3 million and $ 136.0 million in assets of consolidated VIEs as of December 31, 2024 and 2023 , respectively. (2) Investment in unconsolidated investee is included in “Other assets” in the consolidated balance sheets.

Significant Accounting Polici_4

Significant Accounting Policies - Additional Information (Detail) $ in Thousands	12 Months Ended
	Dec. 31, 2024 USD ($) State shares	Dec. 31, 2023 USD ($) shares	Dec. 31, 2022 USD ($) shares
Significant Accounting Policies [Line Items]
Number of states, loans offered or arranged to consumers | State	37
Number of states financing offered to small business | State	49
Revenue	$ 2,657,800	$ 2,117,639	$ 1,736,085
Days for delinquent loans to be charged off	65 days
Days for delinquent loans remaining principal payment	90 days
Non activity loans and finance receivables period	30 days
Deferred income tax assets valuation allowance percentage	50%
Preferred shares
Unrealized loss on equity method investment	$ 16,460	$ (116)	$ (6,435)
Employee Stock Option
Significant Accounting Policies [Line Items]
Stock options not included in computation of diluted earnings per share | shares	177,247	351,699	530,471
Restricted stock units
Significant Accounting Policies [Line Items]
Stock options not included in computation of diluted earnings per share | shares	1,394	235,237	0
OnDeck Australia
Significant Accounting Policies [Line Items]
Equity interest percentage	20%
Linear
Significant Accounting Policies [Line Items]
Preferred shares	$ 0
Net gain (loss) on sale of equity method investments	(16,600)		$ 11,000
Unrealized loss on equity method investment	500
Carrying value of investment	0	$ 16,100
Other Assets | OnDeck Australia
Significant Accounting Policies [Line Items]
Carrying value of investment	100	$ 0
Other Assets | Linear
Significant Accounting Policies [Line Items]
Carrying value of investment	$ 16,100
Maximum
Significant Accounting Policies [Line Items]
Cash and cash equivalent maturity period	90 days
Expected period of life of intangible assets	20 years
Maximum | Software Development Costs
Significant Accounting Policies [Line Items]
Property and equipment, useful life	5 years
Minimum
Significant Accounting Policies [Line Items]
Expected period of life of intangible assets	3 years
Minimum | Software Development Costs
Significant Accounting Policies [Line Items]
Property and equipment, useful life	3 years

Significant Accounting Polici_5

Significant Accounting Policies - Schedule of Reconciliation of Cash, Cash Equivalents and Restricted Cash (Detail) - USD ($) $ in Thousands	Dec. 31, 2024		Dec. 31, 2023		Dec. 31, 2022	Dec. 31, 2021
Accounting Policies [Abstract]
Cash and cash equivalents	$ 73,910	[1]	$ 54,357	[1]	$ 100,165
Restricted cash	248,758	[1]	323,082	[1]	78,235
Total cash, cash equivalents and restricted cash	$ 322,668		$ 377,439		$ 178,400	$ 225,883
[1] Includes amounts in consolidated variable interest entities (“VIEs”) presented separately in the table below.

Significant Accounting Polici_6

Significant Accounting Policies - Schedule of Property and Equipment Estimated Useful Lives (Detail)	Dec. 31, 2024
Computer Hardware and Software | Minimum
Property Plant And Equipment [Line Items]
Property and equipment, useful life	3 years
Computer Hardware and Software | Maximum
Property Plant And Equipment [Line Items]
Property and equipment, useful life	5 years
Furniture, Fixtures and Equipment | Minimum
Property Plant And Equipment [Line Items]
Property and equipment, useful life	3 years
Furniture, Fixtures and Equipment | Maximum
Property Plant And Equipment [Line Items]
Property and equipment, useful life	7 years
Leasehold Improvements
Property Plant And Equipment [Line Items]
Property and equipment, useful life	10 years
Leasehold Improvements | Minimum
Property Plant And Equipment [Line Items]
Property and equipment, useful life	3 years	[1]
Leasehold Improvements | Maximum
Property Plant And Equipment [Line Items]
Property and equipment, useful life	10 years	[1]
[1] Leasehold improvements are depreciated over the lesser of the estimated useful life, remaining lease term, or 10 years.

Significant Accounting Polici_7

Significant Accounting Policies - Schedule of Property and Equipment Estimated Useful Lives (Detail) (Parenthetical) - Leasehold Improvements	Dec. 31, 2024
Property Plant And Equipment [Line Items]
Property and equipment, useful life	10 years
Maximum
Property Plant And Equipment [Line Items]
Property and equipment, useful life	10 years	[1]
Minimum
Property Plant And Equipment [Line Items]
Property and equipment, useful life	3 years	[1]
[1] Leasehold improvements are depreciated over the lesser of the estimated useful life, remaining lease term, or 10 years.

Significant Accounting Polici_8

Significant Accounting Policies - Reconciliation of Numerators and Denominators of Basic and Diluted Earnings per Share - (Detail) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Numerator:
Net income	$ 209,448	$ 175,121	$ 207,424
Denominator:
Total weighted average basic shares	26,920	30,673	32,290
Shares applicable to stock-based compensation	1,282	1,248	1,193
Total weighted average diluted shares	28,202	31,921	33,483
Earnings per common share - basic	$ 7.78	$ 5.71	$ 6.42
Earnings per common share - diluted	$ 7.43	$ 5.49	$ 6.19

Acquisitions - Additional Infor

Acquisitions - Additional Information (Detail) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Business Acquisition [Line Items]
Goodwill	$ 279,275	$ 279,275

Loans and Finance Receivables -

Loans and Finance Receivables - Schedule of Revenue Generated from Loans and Finance Receivables (Detail) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Accounts Notes And Loans Receivable [Line Items]
Consumer loans and finance receivables revenue	[1]	$ 2,620,296	$ 2,086,035
Total loans and finance receivables revenue		2,620,296	2,086,035	$ 1,712,855
Other		37,504	31,604	23,230
Total Revenue		2,657,800	2,117,639	1,736,085
Consumer Loans and Finance Receivables Revenue
Accounts Notes And Loans Receivable [Line Items]
Consumer loans and finance receivables revenue		1,576,821	1,295,231	1,065,033
Small Business Loans and Finance Receivables Revenue
Accounts Notes And Loans Receivable [Line Items]
Small business loans and finance receivables revenue		$ 1,043,475	$ 790,804	$ 647,822
[1] Included in “Revenue” in the consolidated statements of income.

Loans and Finance Receivables_2

Loans and Finance Receivables - Components of Company-owned Loans and Finance Receivables At Fair Value (Detail) - USD ($) $ in Thousands	Dec. 31, 2024		Dec. 31, 2023		Dec. 31, 2022
Accounts Notes And Loans Receivable [Line Items]
Principal balance - accrual	$ 3,500,174		$ 2,879,476
Principal balance - non-accrual	310,270		275,259
Total principal balance	3,810,444		3,154,735
Accrued interest and fees	156,042		142,347
Loans and finance receivables at fair value - accrual	4,290,422		3,531,138
Loans and finance receivables at fair value - non-accrual	96,022		98,029
Loans and finance receivables at fair value	4,386,444	[1]	3,629,167	[1]	$ 3,018,528
Difference between principal balance and fair value	576,000		474,432
Consumer
Accounts Notes And Loans Receivable [Line Items]
Principal balance - accrual	1,210,042		1,019,057
Principal balance - non-accrual	143,972		119,871
Total principal balance	1,354,014		1,138,928
Accrued interest and fees	128,956		107,747
Loans and finance receivables at fair value - accrual	1,617,708		1,358,734
Loans and finance receivables at fair value - non-accrual	21,599		22,050
Loans and finance receivables at fair value	1,639,307		1,380,784		1,083,062
Difference between principal balance and fair value	285,293		241,856
Small Business
Accounts Notes And Loans Receivable [Line Items]
Principal balance - accrual	2,290,132		1,860,419
Principal balance - non-accrual	166,298		155,388
Total principal balance	2,456,430		2,015,807
Accrued interest and fees	27,086		34,600
Loans and finance receivables at fair value - accrual	2,672,714		2,172,404
Loans and finance receivables at fair value - non-accrual	74,423		75,979
Loans and finance receivables at fair value	2,747,137		2,248,383		$ 1,935,466
Difference between principal balance and fair value	$ 290,707		$ 232,576
[1] Includes amounts in consolidated variable interest entities (“VIEs”) presented separately in the table below.

Loans and Finance Receivables_3

Loans and Finance Receivables - Additional Information (Detail) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Accounts Notes And Loans Receivable [Line Items]
Active consumer loans owned by third-party lenders	$ 23.8	$ 16.4
Accrual for losses on consumer loan guaranty obligations	28.4	18.5
Accrual for third party lender owned consumer loans, outstanding principal amount	19.9	13.5
Financial Asset, Equal to or Greater than 90 Days Past Due
Accounts Notes And Loans Receivable [Line Items]
Aggregate fair value of loans and finance receivables that are 90 days or more past due	32.7	24.3
Aggregate fair value of loans and finance receivables in non-accrual status	16.6	23.6
Aggregate unpaid principal balance for loans and finance receivables that are 90 days or more past due	$ 71.9	$ 43.6

Loans and Finance Receivables_4

Loans and Finance Receivables - Schedule of Changes in Fair Value of Company-owned Loans and Finance Receivables (Detail) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2024		Dec. 31, 2023
Accounts Notes And Loans Receivable [Line Items]
Balance at beginning of period		$ 3,629,167	[1]	$ 3,018,528
Originations or acquisitions	[2]	6,054,322		4,806,779
Interest and fees	[3]	2,620,296		2,086,035
Repayments		(6,789,955)		(5,403,953)
Charge-offs, net	[4]	(1,206,592)		(1,030,796)
Net change in fair value	[4]	87,378		151,445
Effect of foreign currency translation		(8,172)		1,129
Balance at end of period	[1]	4,386,444		3,629,167
Consumer
Accounts Notes And Loans Receivable [Line Items]
Balance at beginning of period		1,380,784		1,083,062
Originations or acquisitions	[2]	2,018,359		1,614,464
Interest and fees	[3]	1,576,821		1,295,231
Repayments		(2,564,901)		(2,024,570)
Charge-offs, net	[4]	(785,317)		(680,185)
Net change in fair value	[4]	21,733		91,653
Effect of foreign currency translation		(8,172)		1,129
Balance at end of period		1,639,307		1,380,784
Small Business
Accounts Notes And Loans Receivable [Line Items]
Balance at beginning of period		2,248,383		1,935,466
Originations or acquisitions	[2]	4,035,963		3,192,315
Interest and fees	[3]	1,043,475		790,804
Repayments		(4,225,054)		(3,379,383)
Charge-offs, net	[4]	(421,275)		(350,611)
Net change in fair value	[4]	65,645		59,792
Balance at end of period		$ 2,747,137		$ 2,248,383
[1] Includes amounts in consolidated variable interest entities (“VIEs”) presented separately in the table below. Originations or acquisitions is presented on a cost basis Included in “Revenue” in the consolidated statements of income. Included in “Change in Fair Value” in the consolidated statements of income.

Property and Equipment - Additi

Property and Equipment - Additional information (Detail) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Property, Plant and Equipment [Abstract]
Capitalized internal software development costs	$ 40.9	$ 37.3	$ 29.3
Depreciation expense	$ 32.2	$ 29.8	$ 28.8

Property and Equipment - Classi

Property and Equipment - Classifications of Property and Equipment (Detail) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Property Plant And Equipment [Line Items]
Property and equipment, Cost	$ 261,245	$ 239,833
Property and equipment, Accumulated Depreciation	(141,289)	(131,128)
Property and equipment, Net	119,956	108,705
Computer Software
Property Plant And Equipment [Line Items]
Property and equipment, Cost	210,268	183,230
Property and equipment, Accumulated Depreciation	(103,017)	(93,546)
Property and equipment, Net	107,251	89,684
Furniture, Fixtures and Equipment
Property Plant And Equipment [Line Items]
Property and equipment, Cost	34,253	34,959
Property and equipment, Accumulated Depreciation	(27,085)	(22,943)
Property and equipment, Net	7,168	12,016
Leasehold Improvements
Property Plant And Equipment [Line Items]
Property and equipment, Cost	16,724	21,644
Property and equipment, Accumulated Depreciation	(11,187)	(14,639)
Property and equipment, Net	$ 5,537	$ 7,005

Goodwill and Other Intangible_3

Goodwill and Other Intangible Assets - Additional Information (Detail) - USD ($)		12 Months Ended
	Oct. 01, 2024	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Finite Lived Intangible Assets [Line Items]
Carrying value of goodwill		$ 0	$ 0
Goodwill		279,275,000	279,275,000
Goodwill impairment loss	$ 0
Amortization of Intangible Assets		$ 8,100,000	$ 8,400,000	$ 8,100,000
Minimum
Finite Lived Intangible Assets [Line Items]
Expected period of life of intangible assets		3 years
Maximum
Finite Lived Intangible Assets [Line Items]
Expected period of life of intangible assets		20 years
Trade Names and Trademarks | Minimum
Finite Lived Intangible Assets [Line Items]
Expected period of life of intangible assets		3 years
Trade Names and Trademarks | Maximum
Finite Lived Intangible Assets [Line Items]
Expected period of life of intangible assets		20 years
Lead Provider and Broker Relationships | Minimum
Finite Lived Intangible Assets [Line Items]
Expected period of life of intangible assets		3 years
Lead Provider and Broker Relationships | Maximum
Finite Lived Intangible Assets [Line Items]
Expected period of life of intangible assets		5 years
Developed Technology
Finite Lived Intangible Assets [Line Items]
Expected period of life of intangible assets		5 years
Customer Relationships | Minimum
Finite Lived Intangible Assets [Line Items]
Expected period of life of intangible assets		3 years
Customer Relationships | Maximum
Finite Lived Intangible Assets [Line Items]
Expected period of life of intangible assets		5 years
Licenses
Finite Lived Intangible Assets [Line Items]
Expected period of life of intangible assets		5 years

Goodwill and Other Intangible_4

Goodwill and Other Intangible Assets - Summary of Acquired Intangible Assets (Detail) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Acquired Finite Lived Intangible Assets [Line Items]
Acquired intangible assets, Cost	$ 43,864	$ 43,894
Acquired intangible assets, Accumulated Amortization	(32,913)	(24,889)
Acquired intangible assets, Net	10,951	19,005
Developed Technology
Acquired Finite Lived Intangible Assets [Line Items]
Acquired intangible assets, Cost	25,980	25,980
Acquired intangible assets, Accumulated Amortization	(21,013)	(15,817)
Acquired intangible assets, Net	4,967	10,163
Trade Names and Trademarks
Acquired Finite Lived Intangible Assets [Line Items]
Acquired intangible assets, Cost	11,184	11,214
Acquired intangible assets, Accumulated Amortization	(6,875)	(5,387)
Acquired intangible assets, Net	4,309	5,827
Licenses
Acquired Finite Lived Intangible Assets [Line Items]
Acquired intangible assets, Cost	3,100	3,100
Acquired intangible assets, Accumulated Amortization	(2,325)	(1,705)
Acquired intangible assets, Net	775	1,395
Customer Relationships
Acquired Finite Lived Intangible Assets [Line Items]
Acquired intangible assets, Cost	1,900	1,900
Acquired intangible assets, Accumulated Amortization	(1,425)	(1,045)
Acquired intangible assets, Net	475	855
Lead Provider and Broker Relationships
Acquired Finite Lived Intangible Assets [Line Items]
Acquired intangible assets, Cost	1,700	1,700
Acquired intangible assets, Accumulated Amortization	(1,275)	(935)
Acquired intangible assets, Net	$ 425	$ 765

Goodwill and Other Intangible_5

Goodwill and Other Intangible Assets - Summary of Estimated Future Amortization Expense (Detail) $ in Thousands	Dec. 31, 2024 USD ($)
Goodwill and Intangible Assets Disclosure [Abstract]
2025	$ 7,291
2026	2,029
2027	806
2028	110
2029	$ 110

Accounts Payable and Accrued _3

Accounts Payable and Accrued Expenses - Schedule of Accounts Payable and Accrued Expenses (Detail) - USD ($) $ in Thousands		Dec. 31, 2024	Dec. 31, 2023
Payables and Accruals [Abstract]
Unrecognized tax benefits		$ 82,463	$ 135,229
Trade accounts payable		58,950	43,330
Accrued payroll and fringe benefits		45,784	34,758
Accrued interest payable		30,501	27,673
Liability for consumer loans funded by third-party lender		19,357	11,610
Accrual for consumer loan payments rejected for non-sufficient funds		10,943	6,568
Other accrued liabilities		1,972	1,988
Total	[1]	$ 249,970	$ 261,156
[1] Includes amounts in consolidated variable interest entities (“VIEs”) presented separately in the table below.

Marketing Expenses - Schedule o

Marketing Expenses - Schedule of Marketing Expenses (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Marketing Expenses [Abstract]
Customer procurement expense including lead purchase costs	$ 292,794	$ 230,910	$ 248,446
Advertising	230,775	183,550	134,127
Total	$ 523,569	$ 414,460	$ 382,573

Leases - Additional Information

Leases - Additional Information (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Lessee Lease Description [Line Items]
Option to extend, existence, operating lease	true
Option to extend, description, operating lease	Certain leases include options to extend the leases for up to five years
Option to terminate, existence, operating lease	true
Option to terminate, description, operating lease	while others include options to terminate the leases within one year
Option to terminate, operating lease, term	1 year
Operating lease right-of-use asset	$ 18,201	$ 14,251
New York
Lessee Lease Description [Line Items]
Operating lease right-of-use asset	$ 5,500
Minimum
Lessee Lease Description [Line Items]
Operating leases, remaining lease term	1 year
Maximum
Lessee Lease Description [Line Items]
Operating leases, remaining lease term	10 years
Option to extend, operating lease, term	5 years

Leases - Lease Expenses (Detail

Leases - Lease Expenses (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Leases [Abstract]
Operating lease cost	$ 4,814	$ 4,983	$ 7,652
Operating lease impairment charge			(72)
Variable lease cost	746	1,252	723
Short-term lease cost	493	1,208	383
Sublease income	(281)	(1,175)	(226)
Total lease cost	$ 5,772	$ 6,268	$ 8,460

Leases - Future Minimum Lease P

Leases - Future Minimum Lease Payments (Detail) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Leases [Abstract]
2025	$ 3,471
2026	4,341
2027	6,619
2028	6,213
2029	5,518
Thereafter	22,404
Total lease payments	48,566
Less: interest	16,401
Present value of lease liabilities	$ 32,165	$ 27,042

Leases - Weighted Average Remai

Leases - Weighted Average Remaining Lease Term and Discount Rate (Detail)	Dec. 31, 2024	Dec. 31, 2023
Weighted average remaining lease term (years)
Operating leases	8 years 1 month 6 days	8 years 6 months
Weighted average discount rate
Operating leases	8.81%	9.01%

Leases - Supplemental Cash Flow

Leases - Supplemental Cash Flow Disclosures Related to Leases (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Cash paid for amounts included in the measurement of lease liabilities
Operating cash flows from operating leases	$ 3,790	$ 7,735
Noncash transactions related to adjustments to lease liability and right-of-use asset
Operating leases	$ 6,186	$ (2,969)

Long-term Debt - Summary of Lon

Long-term Debt - Summary of Long-Term Debt Instruments and Balances Outstanding (Detail) - USD ($)

12 Months Ended

Oct. 15, 2024

Oct. 02, 2024

Jun. 27, 2024

Jun. 26, 2024

May 31, 2024

May 17, 2024

Dec. 31, 2024

Oct. 14, 2024

Sep. 11, 2024

Aug. 12, 2024

Feb. 21, 2024

Dec. 31, 2023

Oct. 19, 2023

Nov. 18, 2022

Jun. 30, 2022

Mar. 29, 2022

Mar. 28, 2022

Mar. 24, 2022

Mar. 23, 2022

Mar. 14, 2022

Mar. 13, 2022

May 05, 2021

Debt Instrument [Line Items]

Weighted average interest rates

9.31%

8.28%

Total debt, outstanding

$ 3,591,768,000

Less: Long-term debt issuance costs

(24,830,000)

$ (17,966,000)

Less: Debt discounts

(3,456,000)

(5,137,000)

Total long-term debt

[1]

$ 3,563,482,000

2,943,805,000

2018-1 Securitization Facility

Debt Instrument [Line Items]

Maturity date

2026-03

Borrowing capacity

$ 200,000,000

$ 150,000,000

2018-2 Securitization Facility

Debt Instrument [Line Items]

Borrowing capacity

$ 225,000,000

$ 150,000,000

NCR 2022 Securitization Facility

Debt Instrument [Line Items]

Revolving period end date

2026-10

Maturity date

2028-10

2028-10

Borrowing capacity

$ 200,000,000

$ 125,000,000

Total debt, outstanding

$ 119,000,000

44,000,000

NCLOCR 2024 Securitization Facility

Debt Instrument [Line Items]

Maturity date

2028-02

Borrowing capacity

$ 150,000,000

ODR 2021-1 Securitization Facility

Debt Instrument [Line Items]

Maturity date

2026-11

Borrowing capacity

$ 233,300,000

$ 200,000,000

$ 150,000,000

Total debt, outstanding

151,300,000

ODR 2022-1 Securitization Facility

Debt Instrument [Line Items]

Revolving period end date

2027-06

2026-06

Maturity date

2027-06

Borrowing capacity

$ 420,000,000

Total debt, outstanding

$ 233,300,000

RAOD Securitization Facility

Debt Instrument [Line Items]

Maturity date

2027-11

HWCR 2023 Securitization Facility

Debt Instrument [Line Items]

Maturity date

2027-09

ODAST III Securitization Notes

Debt Instrument [Line Items]

Weighted average interest rates

2.07%

Less: Long-term debt issuance costs

(300,000)

2023-A Securitization Notes

Debt Instrument [Line Items]

Less: Long-term debt issuance costs

$ (300,000)

(900,000)

2024-A Securitization Notes

Debt Instrument [Line Items]

Maturity date

2030-10

2030-10

Less: Long-term debt issuance costs

$ (1,400,000)

ODAS IV 2023-1 Securitization Notes

Debt Instrument [Line Items]

Maturity date

2030-08

Less: Long-term debt issuance costs

$ (1,700,000)

(2,700,000)

ODAS IV 2024-1 Securitization Notes

Debt Instrument [Line Items]

Maturity date

2031-10

2031-06

2031-06

Less: Long-term debt issuance costs

$ (4,300,000)

ODAS IV 2024-2 Securitization Notes

Debt Instrument [Line Items]

Maturity date

2031-10

Less: Long-term debt issuance costs

$ (3,400,000)

9.125% Senior Notes Due 2029

Debt Instrument [Line Items]

Less: Long-term debt issuance costs

(8,000,000)

11.25% Senior Unsecured Notes Due 2028

Debt Instrument [Line Items]

Less: Long-term debt issuance costs

$ (5,600,000)

(6,900,000)

8.50% Senior Notes Due 2025

Debt Instrument [Line Items]

Senior notes

$ 375,000,000

Revolving Line of Credit

Debt Instrument [Line Items]

Borrowing capacity

$ 665,000,000

$ 515,000,000

Funding Debt

Debt Instrument [Line Items]

Weighted average interest rates

[2]

7.70%

Borrowing capacity

$ 2,971,410,000

Total debt, outstanding

$ 2,238,768,000

1,667,206,000

Funding Debt | 2018-1 Securitization Facility

Debt Instrument [Line Items]

Revolving period end date

2025-03

Maturity date

2026-03

Weighted average interest rates

[2]

8.94%

Borrowing capacity

$ 200,000,000

Total debt, outstanding

$ 32,200,000

92,964,000

Funding Debt | 2018-2 Securitization Facility

Debt Instrument [Line Items]

Revolving period end date

2023-07

Maturity date

[3]

2025-07

Total debt, outstanding

66,110,000

Funding Debt | NCR 2022 Securitization Facility

Debt Instrument [Line Items]

Revolving period end date

2026-10

Maturity date

2028-10

Weighted average interest rates

[2]

8.62%

Borrowing capacity

$ 200,000,000

Total debt, outstanding

$ 119,039,000

43,975,000

Funding Debt | NCLOCR 2024 Securitization Facility

Debt Instrument [Line Items]

Revolving period end date

2027-02

Maturity date

2028-02

Weighted average interest rates

[2]

9.87%

Borrowing capacity

$ 150,000,000

Total debt, outstanding

$ 99,000,000

Funding Debt | ODR 2021-1 Securitization Facility

Debt Instrument [Line Items]

Revolving period end date

2025-11

Maturity date

2026-11

Weighted average interest rates

[2]

8.09%

Borrowing capacity

$ 233,333,000

Total debt, outstanding

$ 233,333,000

151,331,000

Funding Debt | ODR 2022-1 Securitization Facility

Debt Instrument [Line Items]

Revolving period end date

2026-06

Maturity date

2027-06

Weighted average interest rates

[2]

8.23%

Borrowing capacity

$ 420,000,000

Total debt, outstanding

$ 188,342,000

277,586,000

Funding Debt | RAOD Securitization Facility

Debt Instrument [Line Items]

Revolving period end date

2026-11

Maturity date

2027-11

Weighted average interest rates

[2]

7.30%

Borrowing capacity

$ 236,842,000

Total debt, outstanding

$ 192,000,000

142,110,000

Funding Debt | HWCR 2023 Securitization Facility

Debt Instrument [Line Items]

Revolving period end date

2026-09

Maturity date

2027-09

Weighted average interest rates

[2]

8.80%

Borrowing capacity

$ 487,595,000

Total debt, outstanding

$ 331,214,000

287,214,000

Funding Debt | ODAST III Securitization Notes

Debt Instrument [Line Items]

Revolving period end date

2024-04

Maturity date

[4]

2027-05

Total debt, outstanding

300,000,000

Funding Debt | 2023-A Securitization Notes

Debt Instrument [Line Items]

Maturity date

2027-12

Weighted average interest rates

[2]

7.78%

Borrowing capacity

$ 32,116,000

Total debt, outstanding

$ 32,116,000

78,865,000

Funding Debt | 2024-A Securitization Notes

Debt Instrument [Line Items]

Maturity date

2030-10

Weighted average interest rates

[2]

7.75%

Borrowing capacity

$ 123,546,000

Total debt, outstanding

$ 123,546,000

Funding Debt | ODAS IV 2023-1 Securitization Notes

Debt Instrument [Line Items]

Revolving period end date

2026-07

Maturity date

2030-08

Weighted average interest rates

[2]

7.66%

Borrowing capacity

$ 227,051,000

Total debt, outstanding

$ 227,051,000

227,051,000

Funding Debt | ODAS IV 2024-1 Securitization Notes

Debt Instrument [Line Items]

Revolving period end date

2027-05

Maturity date

2031-06

Weighted average interest rates

[2]

6.84%

Borrowing capacity

$ 399,574,000

Total debt, outstanding

$ 399,574,000

Funding Debt | ODAS IV 2024-2 Securitization Notes

Debt Instrument [Line Items]

Revolving period end date

2027-09

Maturity date

2031-10

Weighted average interest rates

[2]

5.78%

Borrowing capacity

$ 261,353,000

Total debt, outstanding

$ 261,353,000

Corporate Debt

Debt Instrument [Line Items]

Weighted average interest rates

[2]

9.35%

Borrowing capacity

$ 1,565,000,000

Total corporate debt

$ 1,353,000,000

1,299,702,000

Corporate Debt | 9.125% Senior Notes Due 2029

Debt Instrument [Line Items]

Maturity date

2029-08

Weighted average interest rates

[2]

9.13%

Borrowing capacity

$ 500,000,000

Senior notes

$ 500,000,000

Corporate Debt | 11.25% Senior Unsecured Notes Due 2028

Debt Instrument [Line Items]

Maturity date

2028-12

Weighted average interest rates

[2]

11.25%

Borrowing capacity

$ 400,000,000

Senior notes

$ 400,000,000

400,000,000

Corporate Debt | 8.50% Senior Notes Due 2025

Debt Instrument [Line Items]

Maturity date

2025-09

Weighted average interest rates

[2]

8.50%

Senior notes

375,000,000

Corporate Debt | 8.50% Senior Notes Due 2024

Debt Instrument [Line Items]

Maturity date

2024-09

Weighted average interest rates

[2]

8.50%

Senior notes

168,702,000

Corporate Debt | Revolving Line of Credit

Debt Instrument [Line Items]

Revolving period end date

2026-06

Maturity date

2026-06

Weighted average interest rates

[2]

7.93%

Borrowing capacity

[5]

$ 665,000,000

Revolving line of credit

$ 453,000,000

$ 356,000,000

[1] Includes amounts in consolidated variable interest entities (“VIEs”) presented separately in the table below. The weighted average interest rate is determined based on the rates and principal balances on December 31, 2024 . It does not include the impact of the amortization of deferred loan origination costs or debt discounts. On May 31, 2024, the remaining outstanding balance on this facility was paid in full and the facility was terminated . On May 17, 2024, the remaining outstanding balance of these notes were paid in full and the facility was terminated . The Company had outstanding letters of credit under the Revolving line of credit of $ 0.7 and $ 0.8 million as of December 31, 2024 and 2023 , respectively.

Long-term Debt - Summary of L_2

Long-term Debt - Summary of Long-Term Debt Instruments and Balances Outstanding (Parenthetical) (Detail) - USD ($)	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Sep. 11, 2024	Aug. 12, 2024	Dec. 06, 2023	Oct. 19, 2023	Sep. 19, 2018	Sep. 01, 2017
Debt Instrument [Line Items]
Principal outstanding	$ 3,591,768,000
Revolving Credit Facility
Debt Instrument [Line Items]
Borrowing capacity			$ 665,000,000			$ 515,000,000
Letters of credit outstanding amount	$ 700,000	$ 800,000
9.125% Senior Notes Due 2029
Debt Instrument [Line Items]
Debt instrument, interest rate	9.125%	9.125%		9.125%
Debt instrument, maturity period	2029	2029
11.25% Senior Unsecured Notes Due 2028
Debt Instrument [Line Items]
Debt instrument, interest rate	11.25%	11.25%			11.25%
Debt instrument, maturity period	2028	2028
8.50% Senior Notes Due 2025
Debt Instrument [Line Items]
Debt instrument, interest rate	8.50%	8.50%					8.50%
Debt instrument, maturity period	2025	2025
8.50% Senior Notes Due 2024
Debt Instrument [Line Items]
Debt instrument, interest rate	8.50%	8.50%						8.50%
Debt instrument, maturity period	2024	2024

Long-term Debt - Additional Inf

Long-term Debt - Additional Information (Detail)

12 Months Ended

Nov. 18, 2024 USD ($)

Nov. 17, 2024 USD ($)

Oct. 15, 2024 USD ($)

Oct. 14, 2024 USD ($)

Oct. 02, 2024 USD ($)

Sep. 18, 2024 USD ($)

Aug. 12, 2024 USD ($)

Jun. 27, 2024 USD ($)

Jun. 26, 2024 USD ($)

May 31, 2024 USD ($)

May 17, 2024 USD ($)

Feb. 21, 2024 USD ($)

Dec. 06, 2023 USD ($)

Oct. 05, 2023 USD ($)

Oct. 03, 2023

Sep. 26, 2023 USD ($)

Nov. 18, 2022 USD ($)

Oct. 21, 2022 USD ($)

Mar. 24, 2022 USD ($)

Mar. 23, 2022 USD ($)

Sep. 15, 2021

Jul. 23, 2021

Jul. 16, 2021 USD ($)

Jul. 15, 2021 USD ($)

Dec. 24, 2020

Dec. 23, 2020

Sep. 19, 2018 USD ($)

Sep. 01, 2017 USD ($)

Dec. 31, 2024 USD ($)

Dec. 31, 2023 USD ($)

Sep. 17, 2024 USD ($)

Sep. 11, 2024 USD ($)

Oct. 19, 2023 USD ($)

Jul. 27, 2023 USD ($)

May 25, 2023 USD ($)

Mar. 03, 2023 USD ($)

Nov. 17, 2022 USD ($)

Jun. 30, 2022 USD ($)

Jun. 23, 2022 USD ($)

Mar. 29, 2022 USD ($)

Mar. 28, 2022 USD ($)

Mar. 18, 2022 USD ($)

Mar. 14, 2022 USD ($)

Mar. 13, 2022 USD ($)

May 05, 2021 USD ($)

Oct. 23, 2018 USD ($)

Jul. 23, 2018 USD ($)

Debt Instrument [Line Items]

Weighted average interest rates

9.31%

8.28%

Principal outstanding

$ 3,591,768,000

Debt instrument, issuance cost

24,830,000

$ 17,966,000

Debt instrument repurchase pricipal amount

81,300,000

Cash consideration for repurchase of notes

81,100,000

Loss on extingiushment of debt

(5,690,000)

(282,000)

Revolving Credit Facility

Debt Instrument [Line Items]

Commitment amount

$ 665,000,000

$ 515,000,000

Letter of credit, sublimit

700,000

800,000

2018-1 Securitization Facility

Debt Instrument [Line Items]

Debt instrument, face amount

$ 150,000,000

Debt instrument, maturity date

Sep. 15, 2026

Securitization facilities

$ 32,200,000

93,000,000

Commitment amount

$ 200,000,000

$ 150,000,000

Debt instrument, revolving expiration date

Mar. 24, 2027

Sep. 15, 2026

Sep. 15, 2024

Advance rate

90%

Maturity date

2026-03

2018-1 Securitization Facility | Secured Overnight Financing Rate

Debt Instrument [Line Items]

Debt instrument, effective percentage

4.25%

Debt instrument, frequency of periodic payment

monthly

2018-2 Securitization Facility

Debt Instrument [Line Items]

Debt instrument, face amount

$ 150,000,000

Debt instrument, maturity date

Jul. 23, 2023

Extended maturity term

2 years

Securitization facilities

66,100,000

Commitment amount

$ 225,000,000

$ 150,000,000

Advance rate

90%

NCR 2022 Securitization Facility

Debt Instrument [Line Items]

Principal outstanding

$ 119,000,000

44,000,000

Debt instrument, borrowing rate

4.25%

4.75%

Commitment amount

$ 200,000,000

$ 125,000,000

Advance rate

85%

80%

Initial maximum principal balance of notes issued

$ 125,000,000

Revolving period end date

2026-10

Maturity date

2028-10

2028-10

NCR 2022 Securitization Facility | Secured Overnight Financing Rate

Debt Instrument [Line Items]

Debt instrument, borrowing rate

4.75%

NCLOCR 2024 Securitization Facility

Debt Instrument [Line Items]

Securitization facilities

$ 99,000,000

Debt instrument, borrowing rate

5.50%

Commitment amount

$ 150,000,000

Advance rate

85%

Maturity date

2028-02

ODR 2021-1 Securitization Facility

Debt Instrument [Line Items]

Debt instrument, payment terms

Interest payments on the ODR 2021-1 Securitization Facility are made monthly.

Principal outstanding

151,300,000

Debt instrument, frequency of periodic payment

monthly

Commitment amount

$ 233,300,000

$ 200,000,000

$ 150,000,000

Maturity date

2026-11

ODR 2021-1 Securitization Facility | Class A Notes

Debt Instrument [Line Items]

Weighted average interest rates

2.60%

ODR 2021-1 Securitization Facility | Class B Notes

Debt Instrument [Line Items]

Weighted average interest rates

8%

ODR 2021-1 Securitization Facility | Class B Revolving Loan

Debt Instrument [Line Items]

Commitment amount

$ 33,300,000

ODR 2022-1 Securitization Facility

Debt Instrument [Line Items]

Principal outstanding

$ 233,300,000

Commitment amount

$ 420,000,000

Revolving period end date

2027-06

2026-06

Maturity date

2027-06

ODR 2022-1 Securitization Facility | Class A Revolving Loan

Debt Instrument [Line Items]

Principal outstanding

$ 188,300,000

277,600,000

Debt instrument, borrowing rate

2.60%

1.75%

2.60%

Commitment amount

$ 338,000,000

$ 350,000,000

350,000,000

Advance rate

72.50%

75%

72.50%

ODR 2022-1 Securitization Facility | Class B Revolving Loan

Debt Instrument [Line Items]

Debt instrument, borrowing rate

7.50%

Commitment amount

$ 82,000,000

$ 70,000,000

$ 70,000,000

Advance rate

90%

RAOD Securitization Facility

Debt Instrument [Line Items]

Maturity date

2027-11

RAOD Securitization Facility | On Deck Capital Incorporation

Debt Instrument [Line Items]

Debt instrument, maturity date

Nov. 30, 2025

Principal outstanding

$ 192,000,000

142,100,000

Debt instrument, borrowing rate

2.50%

1.65%

Borrowing rate description

LIBOR plus 1.65% to LIBOR plus 2.5%

Commitment amount

$ 177,600,000

$ 100,000,000

Credit agreement, maturity date

Nov. 30, 2027

Debt instrument, revolving expiration date

Nov. 30, 2026

Nov. 30, 2024

Advance rate

76%

RAOD Securitization Facility | Class A Notes | On Deck Capital Incorporation

Debt Instrument [Line Items]

Debt instrument, borrowing rate

1.75%

2.50%

Borrowing rate description

LIBOR plus 2.5% to LIBOR plus 1.75%

Commitment amount

$ 150,000,000

Advance rate

76%

RAOD Securitization Facility | Class B Notes | On Deck Capital Incorporation

Debt Instrument [Line Items]

Debt instrument, borrowing rate

7.60%

6.50%

Borrowing rate description

LIBOR plus 6.5%

Commitment amount

$ 27,600,000

Advance rate

90%

RAOD Securitization Facility | Class A Borrowing Rate | On Deck Capital Incorporation

Debt Instrument [Line Items]

Debt instrument, borrowing rate

1.85%

1.90%

Borrowing rate description

LIBOR plus 1.75% to SOFR plus 1.90%

RAOD Securitization Facility | Class A Borrowing Rate | LIBOR | On Deck Capital Incorporation

Debt Instrument [Line Items]

Debt instrument, borrowing rate

1.75%

RAOD Securitization Facility | Class A Borrowing Rate | Secured Overnight Financing Rate | On Deck Capital Incorporation

Debt Instrument [Line Items]

Debt instrument, borrowing rate

1.90%

RAOD Securitization Facility | Class B Borrowing Rate | On Deck Capital Incorporation

Debt Instrument [Line Items]

Debt instrument, borrowing rate

8%

Borrowing rate description

LIBOR plus 6.5% to SOFR plus 8.00%

RAOD Securitization Facility | Class B Borrowing Rate | LIBOR | On Deck Capital Incorporation

Debt Instrument [Line Items]

Debt instrument, borrowing rate

6.50%

RAOD Securitization Facility | Class B Borrowing Rate | Secured Overnight Financing Rate | On Deck Capital Incorporation

Debt Instrument [Line Items]

Debt instrument, borrowing rate

8%

RAOD Securitization Facility | Class A Commitment | On Deck Capital Incorporation

Debt Instrument [Line Items]

Commitment amount

$ 200,000,000

$ 200,000,000

Advance rate

76%

RAOD Securitization Facility | Class B Commitment | On Deck Capital Incorporation

Debt Instrument [Line Items]

Commitment amount

$ 36,800,000

$ 30,300,000

$ 30,300,000

$ 36,800,000

$ 36,800,000

Advance rate

90%

87.50%

87.50%

90%

HWCR 2023 Securitization Facility

Debt Instrument [Line Items]

Principal outstanding

$ 331,200,000

287,200,000

Commitment amount

$ 487,600,000

$ 287,200,000

Credit agreement, maturity date

Sep. 30, 2027

Debt instrument, revolving expiration date

Sep. 30, 2026

HWCR 2023 Securitization Facility | Class A Revolving Loan

Debt Instrument [Line Items]

Debt instrument, borrowing rate

2.70%

Commitment amount

$ 365,000,000

215,000,000

$ 215,000,000

Advance rate

65.50%

HWCR 2023 Securitization Facility | Class B Revolving Loan

Debt Instrument [Line Items]

Debt instrument, borrowing rate

8.50%

Commitment amount

$ 122,600,000

$ 72,200,000

$ 72,200,000

Advance rate

87.50%

ODAST III Securitization Notes

Debt Instrument [Line Items]

Weighted average interest rates

2.07%

Debt instrument, face amount

299,300,000

$ 300,000,000

Debt instrument, unamortized discount

400,000

Debt instrument, issuance cost

300,000

ODAST III Securitization Notes

Debt Instrument [Line Items]

Debt instrument, face amount

$ 316,000,000

2023-A Securitization Notes

Debt Instrument [Line Items]

Debt instrument, face amount

$ 31,700,000

77,200,000

Debt instrument, interest rate

9%

Percentage of expected maturity equivalent to interpolated U.S. Treasuries

3.975%

Securitization facilities

$ 170,000,000

Debt instrument, unamortized discount

200,000

700,000

Debt instrument, issuance cost

300,000

900,000

2024-A Securitization Notes

Debt Instrument [Line Items]

Debt instrument, face amount

$ 217,200,000

122,100,000

Debt instrument, issuance cost

$ 1,400,000

Maturity date

2030-10

2030-10

2024-A Securitization Notes | Class A Notes

Debt Instrument [Line Items]

Debt instrument, face amount

$ 172,500,000

Debt instrument, interest rate

7.43%

2024-A Securitization Notes | Class B Notes

Debt Instrument [Line Items]

Debt instrument, face amount

$ 44,600,000

Debt instrument, interest rate

8.31%

ODAS IV 2023-1 Securitization Notes

Debt Instrument [Line Items]

Debt instrument, face amount

$ 225,200,000

224,000,000

$ 227,100,000

Debt instrument, unamortized discount

200,000

300,000

Debt instrument, issuance cost

$ 1,700,000

$ 2,700,000

Maturity date

2030-08

ODAS IV 2023-1 Securitization Notes | Class A Notes

Debt Instrument [Line Items]

Debt instrument, face amount

$ 143,800,000

Debt instrument, interest rate

7%

ODAS IV 2023-1 Securitization Notes | Class B Notes

Debt Instrument [Line Items]

Debt instrument, face amount

$ 56,300,000

Debt instrument, interest rate

8.25%

ODAS IV 2023-1 Securitization Notes | Class C Notes

Debt Instrument [Line Items]

Debt instrument, face amount

$ 27,000,000

Debt instrument, interest rate

9.93%

ODAS IV 2024-1 Securitization Notes

Debt Instrument [Line Items]

Debt instrument, face amount

$ 399,600,000

$ 395,200,000

Debt instrument, unamortized discount

100,000

Debt instrument, issuance cost

$ 4,300,000

Maturity date

2031-10

2031-06

2031-06

ODAS IV 2024-1 Securitization Notes | Class A Notes

Debt Instrument [Line Items]

Debt instrument, face amount

$ 260,100,000

Debt instrument, interest rate

6.27%

ODAS IV 2024-1 Securitization Notes | Class B Notes

Debt Instrument [Line Items]

Debt instrument, face amount

$ 82,200,000

Debt instrument, interest rate

7.15%

ODAS IV 2024-1 Securitization Notes | Class C Notes

Debt Instrument [Line Items]

Debt instrument, face amount

$ 57,300,000

Debt instrument, interest rate

8.99%

ODAS IV 2024-2 Securitization Notes

Debt Instrument [Line Items]

Debt instrument, face amount

$ 261,400,000

$ 257,900,000

Debt instrument, issuance cost

$ 3,400,000

Maturity date

2031-10

ODAS IV 2024-2 Securitization Notes | Class A Notes

Debt Instrument [Line Items]

Debt instrument, face amount

$ 141,700,000

Debt instrument, interest rate

4.98%

ODAS IV 2024-2 Securitization Notes | Class B Notes

Debt Instrument [Line Items]

Debt instrument, face amount

$ 56,900,000

Debt instrument, interest rate

5.42%

ODAS IV 2024-2 Securitization Notes | Class C Notes

Debt Instrument [Line Items]

Debt instrument, face amount

$ 40,200,000

Debt instrument, interest rate

7.03%

ODAS IV 2024-2 Securitization Notes | Class D Notes

Debt Instrument [Line Items]

Debt instrument, face amount

$ 22,600,000

Debt instrument, interest rate

9.49%

8.50% Senior Unsecured Notes Due 2024

Debt Instrument [Line Items]

Debt instrument, face amount

$ 250,000,000

Debt instrument, interest rate

8.50%

8.50%

8.50%

Debt instrument, payment terms

The 2024 Senior Notes bore interest at a rate of 8.50% annually on the principal amount payable semi-annually in arrears on March 1 and September 1 of each year, beginning on March 1, 2018.

Debt instrument, percentage of sale price

100%

Notes redemption, description

The 2024 Senior Notes were redeemable at the Company’s option, in whole or in part, (i) at any time prior to September 1, 2020 at 100% of the aggregate principal amount of 2024 Senior Notes redeemed plus the applicable “make whole” premium specified in the indenture that governed the Company’s 2024 Senior Notes (the “2024 Senior Notes Indenture”), plus accrued and unpaid interest, if any, to the redemption date and (ii) at any time on or after September 1, 2020 at the premium, if any, specified in the 2024 Senior Notes Indenture that will decrease over time, plus accrued and unpaid interest, if any, to the redemption date.

Note redeem rate

100%

Loss on extingiushment of debt

$ (300,000)

Tax related to extingushment of debt

$ (200,000)

8.50% Senior Unsecured Notes Due 2024 | $250.0 million 8.50% Senior Unsecured Notes Redemption, Under Additional Option Available

Debt Instrument [Line Items]

Note redeem rate

108.50%

Percentage of notes principal redeemable

40%

8.50% Senior Unsecured Notes Due 2025

Debt Instrument [Line Items]

Debt instrument, face amount

$ 375,000,000

Debt instrument, interest rate

8.50%

8.50%

8.50%

Debt instrument, payment terms

The 2025 Senior Notes bore interest at a rate of 8.50% annually on the principal amount payable semi-annually in arrears on March 15 and September 15 of each year, beginning on March 15, 2019.

Debt instrument, percentage of sale price

100%

Notes redemption, description

The 2025 Senior Notes were redeemable at the Company’s option, in whole or in part, (i) at any time prior to September 15, 2021 at 100% of the aggregate principal amount of 2025 Senior Notes redeemed plus the applicable “make whole” premium specified in the indenture that governed the Company’s 2025 Senior Notes (the “2025 Senior Notes Indenture”), plus accrued and unpaid interest, if any, to the redemption date and (ii) at any time on or after September 15, 2021 at the premium, if any, specified in the 2025 Senior Notes Indenture that will decrease over time, plus accrued and unpaid interest, if any, to the redemption date.

Note redeem rate

100%

Debt to tangible common equity ratio

4.5

Percentage of consents of the holders of aggregate principal amount of notes outstanding received

50%

Cash payment per principal amount of notes

$ 5,400,000

Debt instrument commitment fee percentage

1.50%

Remaining balance

$ 375,000,000

Unamortized deferred financing costs and expense

4,700,000

Unamortized deferred financing costs and expense, net of tax

3,500,000

8.50% Senior Unsecured Notes Due 2025 | Maximum

Debt Instrument [Line Items]

Debt instrument maximum restricted repayment capacity

$ 200,000,000

8.50% Senior Unsecured Notes Due 2025 | $375.0 million 8.50% Senior Unsecured Notes Redemption, Under Additional Option Available

Debt Instrument [Line Items]

Note redeem rate

108.50%

Percentage of notes principal redeemable

40%

11.25% Senior Unsecured Notes Due 2028

Debt Instrument [Line Items]

Debt instrument, face amount

$ 400,000,000

$ 391,400,000

$ 389,400,000

Debt instrument, maturity date

Dec. 15, 2028

Debt instrument, interest rate

11.25%

11.25%

11.25%

Debt instrument, payment terms

The 2028 Senior Notes bear interest at a rate of 11.25% annually on the principal amount payable semi-annually in arrears on June 15 and December 15 of each year, beginning on June 15, 2024.

Debt instrument, percentage of sale price

99.058%

Notes redemption, description

The 2028 Senior Notes are redeemable at the Company’s option, in whole or in part, (i) at any time prior to December 15, 2025 at 100% of the aggregate principal amount of 2028 Senior Notes redeemed plus the applicable “make whole” premium specified in the indenture that governs the Company’s 2028 Senior Notes (the “2028 Senior Notes Indenture”), plus accrued and unpaid interest, if any, to the redemption date and (ii) at any time on or after December 15, 2025 at the premium, if any, specified in the 2028 Senior Notes Indenture that will decrease over time, plus accrued and unpaid interest, if any, to the redemption date.

Note redeem rate

100%

Debt instrument, unamortized discount

$ 3,000,000

$ 3,700,000

Debt instrument, issuance cost

$ 5,600,000

$ 6,900,000

Unamortized discount and issuance costs amortized to interest expense period

5 years

11.25% Senior Unsecured Notes Due 2028 | $400.0 million 11.25% Senior Unsecured Notes Redemption, Under Additional Option Available

Debt Instrument [Line Items]

Note redeem rate

111.25%

Percentage of notes principal redeemable

40%

9.125% Senior Notes Due 2029

Debt Instrument [Line Items]

Debt instrument, face amount

$ 500,000,000

$ 491,900,000

Debt instrument, maturity date

Aug. 01, 2029

Aug. 01, 2029

Debt instrument, interest rate

9.125%

9.125%

9.125%

Debt instrument, payment terms

The 2029 Senior Notes bear interest at a rate of 9.125% annually on the principal amount payable semi-annually in arrears on February 1 and August 1 of each year, beginning on February 1, 2025

Debt instrument, percentage of sale price

100%

Notes redemption, description

The 2029 Senior Notes are redeemable at the Company’s option, in whole or in part, (i) at any time prior to August 1, 2026 at 100% of the aggregate principal amount of 2029 Senior Notes redeemed plus the applicable “make whole” premium specified in the indenture that governs the Company’s 2029 Senior Notes (the “2029 Senior Notes Indenture”), plus accrued and unpaid interest, if any, to the redemption date and (ii) at any time on or after August 1, 2026 at the premium, if any, specified in the 2029 Senior Notes Indenture that will decrease over time, plus accrued and unpaid interest, if any, to the redemption date.

Note redeem rate

100%

Debt instrument, issuance cost

$ 8,000,000

Unamortized discount and issuance costs amortized to interest expense period

5 years

9.125% Senior Notes Due 2029 | 9.125 Senior Unsecured Notes Redemption, Under Additional Option Available

Debt Instrument [Line Items]

Note redeem rate

109.125%

Percentage of notes principal redeemable

40%

Revolving Credit Facility Due 2026

Debt Instrument [Line Items]

Revolving line of credit

$ 453,000,000

$ 356,000,000

Credit agreement, maturity date

Jun. 30, 2026

Letter of credit, sublimit

$ 20,000,000

Swingline loan, amount

10,000,000

Revolving Credit Facility Due 2026 | Minimum

Debt Instrument [Line Items]

Line of credit facility, advance rate

0.15%

Revolving Credit Facility Due 2026 | Maximum

Debt Instrument [Line Items]

Revolving line of credit

$ 440,000,000

Line of credit facility, advance rate

0.50%

Revolving Credit Facility Due 2026 | Letters of Credit

Debt Instrument [Line Items]

Letter of credit, sublimit

$ 700,000

$ 800,000

Revolving Credit Facility Due 2026 | Base Rate

Debt Instrument [Line Items]

Debt instrument, borrowing rate

0.75%

Revolving Credit Facility Due 2026 | Secured Overnight Financing Rate

Debt Instrument [Line Items]

Debt instrument, borrowing rate

3.50%

Long-term Debt - Schedule of Ma

Long-term Debt - Schedule of Maturities of Long-term Debt (Detail) $ in Thousands	Dec. 31, 2024 USD ($)
Debt Disclosure [Abstract]
2025	$ 0
2026	453,000
2027	0
2028	400,000
2029	500,000
Thereafter	0
Securitization	2,238,768	[1]
Total	$ 3,591,768
[1] The 2018-1 Securitization Facility matures in March 2026 , the NCR 2022 Securitization Facility matures in October 2028 , the NCLOCR 2024 Securitization Facility matures in February 2028 , the ODR 2021-1 Securitization Facility matures in November 2026 , the ODR 2022-1 Securitization Facility matures in June 2027 , the RAOD Securitization Facility matures in November 2027 , the HWCR 2023 Securitization Facility matures in September 2027 , the 2023-A Securitization Notes mature in December 2027 , the 2024-A Securitization Notes mature in October 2030 , the ODAS IV 2023-1 Securitization Notes mature in August 2030 , the ODAS IV 2024-1 Securitization Notes mature in June 2031 and the ODAS IV 2024-2 Securitization Notes mature in October 2031 .

Long-term Debt - Schedule of _2

Long-term Debt - Schedule of Maturities of Long-term Debt (Parenthetical) (Detail)					12 Months Ended
	Oct. 15, 2024	Oct. 02, 2024	May 31, 2024	May 17, 2024	Dec. 31, 2024
2018-1 Securitization Facility
Debt Instrument [Line Items]
Maturity date					2026-03
NCR 2022 Securitization Facility
Debt Instrument [Line Items]
Maturity date	2028-10				2028-10
NCLOCR 2024 Securitization Facility
Debt Instrument [Line Items]
Maturity date					2028-02
ODR 2021-1 Securitization Facility
Debt Instrument [Line Items]
Maturity date					2026-11
ODR 2022-1 Securitization Facility
Debt Instrument [Line Items]
Maturity date					2027-06
RAOD Securitization Facility
Debt Instrument [Line Items]
Maturity date					2027-11
HWCR 2023 Securitization Facility
Debt Instrument [Line Items]
Maturity date					2027-09
2023-A Securitization Notes
Debt Instrument [Line Items]
Maturity date					2027-12
2024-A Securitization Notes
Debt Instrument [Line Items]
Maturity date			2030-10		2030-10
ODAS IV 2023-1 Securitization Notes
Debt Instrument [Line Items]
Maturity date					2030-08
ODAS IV 2024-1 Securitization Notes
Debt Instrument [Line Items]
Maturity date		2031-10		2031-06	2031-06
ODAS IV 2024-2 Securitization Notes
Debt Instrument [Line Items]
Maturity date					2031-10

Income Taxes - Components of De

Income Taxes - Components of Deferred Tax Assets and Liabilities (Detail) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Deferred tax assets:
Compensation and benefits	$ 6,858	$ 4,772
Translation adjustments	4,940	2,264
Lease liability	7,532	6,354
Foreign net operating loss carryforward	8,200	6,194
U.S. net operating loss carryforward	10,539	9,193
Capitalized intangible costs	28,938	25,198
Capital loss carryforward	5,136	919
Other	5,481	3,390
Total deferred tax assets	77,624	58,284
Deferred tax liabilities:
Amortizable intangible assets	61,418	62,829
Loans and finance receivables, net	186,224	62,877
Property and equipment	26,606	23,881
Operating lease right-of-use asset	4,285	3,352
Other	2,203	2,660
Total deferred tax liabilities	280,736	155,599
Net deferred tax liabilities before valuation allowance	(203,112)	(97,315)
Valuation allowance	(20,478)	(16,035)
Net deferred tax liabilities	$ (223,590)	$ (113,350)

Income Taxes - Components of Pr

Income Taxes - Components of Provision for Income Taxes (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Income before income taxes:
Domestic	$ 270,682	$ 226,638	$ 272,863
International	419	609	(289)
Income before Income Taxes	271,101	227,247	272,574
Current provision:
Federal	(42,149)	38,260	41,942
International	98	518
State and local	(9,019)	4,792	6,218
Total current provision	(51,070)	43,570	48,160
Deferred provision:
Federal	96,736	7,483	15,566
State and local	15,987	1,073	1,424
Total deferred provision	112,723	8,556	16,990
Total provision for income taxes	$ 61,653	$ 52,126	$ 65,150

Income Taxes - Additional Infor

Income Taxes - Additional Information (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Income Tax Contingency [Line Items]
Deferred tax asset	$ 28,938	$ 25,198
Federal statutory rate	21%	21%	21%
Gross net operating loss carryforwards	$ 11,200
Capital loss carryforward	$ 5,136	$ 919
Capital losses carried back duration	3 years
Capital losses carried forward duration	5 years
Net capital loss carryforwards, tax-effected valuation allowance	$ 1,900
Net operating loss carryforwards, tax-effected valuation allowance	20,478	16,035	$ 11,088	$ 8,568
Potential benefits that would affect effective tax rate	7,200	9,900	11,600
Unrecognized tax benefits for temporary items	75,600	125,900	76,100
Accrued interest and penalties related to unrecognized tax benefits	4,900	5,600
Foreign | Brazilian Operations
Income Tax Contingency [Line Items]
Gross net operating loss carryforwards	$ 39,000	29,500	22,000
State Local And Foreign Jurisdiction Tax Authority
Income Tax Contingency [Line Items]
Statute of limitation period	3 years
State
Income Tax Contingency [Line Items]
Gross net operating loss carryforwards	$ 277,400	$ 178,600	$ 341,600
Net operating loss carryforwards, tax-effected valuation allowance	9,500
Federal
Income Tax Contingency [Line Items]
Capital loss carryforward	21,400
Annual Section 382 Limitation
Income Tax Contingency [Line Items]
Net operating loss carryforwards, tax-effected valuation allowance	700
Operating loss carry forwards limitations on use amount	$ 1,000
Earliest Tax Year | State
Income Tax Contingency [Line Items]
Net operating loss carryforwards, expiration year	2024	2024
Latest Tax Year | State
Income Tax Contingency [Line Items]
Net operating loss carryforwards, expiration year	2044	2044

Income Taxes - Components of Ef

Income Taxes - Components of Effective Tax Rate on Income (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Income Tax Disclosure [Abstract]
Tax provision computed at the federal statutory income tax rate	$ 56,931	$ 47,722	$ 57,240
State and local income taxes, net of federal tax benefits	7,249	3,815	8,752
Nondeductible regulatory settlement		3,150
Release of uncertain tax position	(2,772)	(2,541)	(460)
Other	245	(20)	(382)
Total provision for income taxes	$ 61,653	$ 52,126	$ 65,150
Effective tax rate	22.70%	22.90%	23.90%

Income Taxes - Summary of Valua

Income Taxes - Summary of Valuation Allowance Activity (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Income Tax Disclosure [Abstract]
Balance at beginning of period	$ 16,035	$ 11,088	$ 8,568
Additions	4,443	4,963	2,683
Deductions	0	(16)	(163)
Balance at end of period	$ 20,478	$ 16,035	$ 11,088

Income Taxes - Reconciliation o

Income Taxes - Reconciliation of Activity Related to Unrecognized Tax Benefits (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Income Tax Disclosure [Abstract]
Balance at beginning of period	$ 173,707	$ 83,833	$ 42,024
Additions based on tax positions related to the current year	97,348	169,811	78,925
Additions for tax positions of prior years	59	244	276
Reductions for tax positions of prior years	(169,345)	(76,100)	(36,638)
Reductions due to lapsed statute of limitations	(2,367)	(4,081)	(754)
Reductions due to settlements with the taxing authorities	(125)
Balance at end of period	$ 99,277	$ 173,707	$ 83,833

Commitments and Contingencies -

Commitments and Contingencies - Additional information (Detail) - USD ($) $ in Millions	Nov. 15, 2023	Dec. 31, 2024	Dec. 31, 2023
Loss Contingencies [Line Items]
Active consumer loans owned by third-party lenders		$ 23.8	$ 16.4
Accrual for losses on consumer loan guaranty obligations		28.4	18.5
Accrual for third party lender owned consumer loans, outstanding principal amount		$ 19.9	$ 13.5
General and Administrative Expense
Loss Contingencies [Line Items]
Civil money penalty expense	$ 15

Employee Benefit Plans - Additi

Employee Benefit Plans - Additional Information (Detail) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2015
SERP
Deferred Compensation Arrangement With Individual Excluding Share Based Payments And Postretirement Benefits [Line Items]
Compensation expense	$ 0.9	$ 0.5	$ 0.8
401(k) Savings Plan | Nonqualified Savings Plan
Deferred Compensation Arrangement With Individual Excluding Share Based Payments And Postretirement Benefits [Line Items]
Percentage of matching contribution by employer				100%
Percentage of matching contribution by employee				1%
Percentage of matching contribution by employer on the next part of pay				50%
Percentage of the next part of employee pay for matching contribution				5%
Compensation expense for combined contributions	$ 4.6	$ 4.1	$ 2.7

Employee Benefit Plans - Schedu

Employee Benefit Plans - Schedule of Amounts Included in Consolidated Balance Sheets Relating to NQSP and SERP (Detail) - USD ($) $ in Thousands		Dec. 31, 2024	Dec. 31, 2023
Defined Benefit Plan Disclosure [Line Items]
Other Receivables And Prepaid Expenses	[1]	$ 63,752	$ 71,982
SERP | Nonqualified Savings Plan
Defined Benefit Plan Disclosure [Line Items]
Other Receivables And Prepaid Expenses		10,712	8,045
Accounts payable and accrued expenses		$ 11,251	$ 8,531
[1] Includes amounts in consolidated variable interest entities (“VIEs”) presented separately in the table below.

Stock-Based Compensation - Addi

Stock-Based Compensation - Additional Information (Detail) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Common stock share received value	$ 289,292	$ 153,187	$ 143,070
Restricted Stock Units
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Common stock shares received	225,582
Common stock share received value	$ 12,600
Restricted Stock Units | Officers and Certain Employees
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Share based compensation units vesting period	4 years
Enova LTIP
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Number of shares authorized	16,500,000
Shares available for future grants	3,329,266
Enova LTIP | Restricted Stock Units
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Compensation expense	$ 25,000	22,200	17,800
Compensation expenses net of tax	18,800	16,600	13,400
Unrecognized compensation cost	$ 39,600
Unrecognized compensation expense recognition period	2 years 4 months 24 days
Outstanding RSUs aggregate intrinsic value	$ 120,000
Enova LTIP | Stock options
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Compensation expense	6,800	4,600	4,100
Compensation expenses net of tax	5,100	$ 3,400	$ 3,100
Unrecognized compensation cost	$ 11,500
Unrecognized compensation expense recognition period	2 years
Risk-free interest rate	4.10%
Expected life (years)	4 years 6 months
Expected volatility	55.90%
Expected dividend yield	0%
Weighted average fair value of options granted	$ 34.01
Outstanding stock options aggregate intrinsic value	$ 106,400
Exercisable stock options intrinsic value	$ 79,300

Stock-Based Compensation - Summ

Stock-Based Compensation - Summary of RSU Activity (Detail) - Enova LTIP - Restricted Stock Units - $ / shares	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Outstanding at beginning of year, Units	1,489,809	1,540,579	1,745,481
Units granted, Units	478,537	638,419	593,916
Shares issued, Units	(617,291)	(624,264)	(640,337)
Units forfeited, Units	(99,245)	(64,925)	(158,481)
Outstanding at end of year, Units	1,251,810	1,489,809	1,540,579
Outstanding at beginning of year, Weighted Average Fair Value at Date of Grant	$ 41.40	$ 32.06	$ 25.80
Units granted, Weighted Average Fair Value at Date of Grant	54.79	51.94	43.15
Shares issued, Weighted Average Fair Value at Date of Grant	36.36	29.1	24.87
Units forfeited, Weighted Average Fair Value at Date of Grant	49.75	41.71	32.74
Outstanding at end of year, Weighted Average Fair Value at Date of Grant	$ 48.34	$ 41.40	$ 32.06

Stock-Based Compensation - Su_2

Stock-Based Compensation - Summary of Stock Option Activity (Detail) - Enova LTIP - Stock options - $ / shares	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Outstanding at beginning of year, Units	2,120,241	2,202,687	2,104,013
Options granted, Units	237,157	306,105	378,725
Options exercised, Units	(563,811)	(388,551)	(263,090)
Options forfeited, Units			(16,961)
Outstanding at end of year, Units	1,793,587	2,120,241	2,202,687
Exercisable options at end of year, Units	1,170,738	1,450,841	1,471,971
Outstanding at beginning of year, Weighted Average Exercise Price	$ 28.98	$ 23.80	$ 20.65
Options granted, Weighted Average Exercise Price	68.97	47.89	37
Options exercised, Weighted Average Exercise Price	21.63	14.52	15.8
Options forfeited, Weighted Average Exercise Price			30.46
Outstanding at end of year, Weighted Average Exercise Price	36.58	28.98	23.80
Exercisable options at end of year, Weighted Average Exercise Price	$ 28.14	$ 23.24	$ 19.72

Related Party Transactions - Ad

Related Party Transactions - Additional Information (Detail) - USD ($)	Dec. 31, 2024	Dec. 31, 2023
OnDeck Australia
Related Party Transaction [Line Items]
Due from affiliate balance	$ 0	$ 100,000

Supplemental Disclosures of C_3

Supplemental Disclosures of Cash Flow Information - Schedule of Cash and Non-Cash Activities (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Cash paid during the year for:
Interest	$ 274,117	$ 182,407	$ 108,006
Income taxes recovered	(1,517)	(3,105)	(2,354)
Non-cash investing and financing activities:
Loans and finance receivables renewed	$ 414,138	$ 491,291	$ 320,789

Operating Segment Information -

Operating Segment Information - Additional Information (Detail) $ in Thousands	12 Months Ended
	Dec. 31, 2024 USD ($) Segment	Dec. 31, 2023 USD ($)
Segment Reporting [Abstract]
Number of reportable segment	1
Number of operating segment	1
Segment Reporting, CODM, Individual Title and Position or Group Name [Extensible Enumeration]	srt:ChiefExecutiveOfficerMember
Segment Reporting, CODM, Profit (Loss) Measure, How Used, Description	The Company's Chief Operating Decision Maker, its Chief Executive Officer, is regularly provided with significant segment expenses at a similar level and category as is disclosed in the Consolidated Statements of Income; as such, separate presentation is not provided in this Note.
Property and equipment, net | $	$ 119,956	$ 108,705

Operating Segment Information_2

Operating Segment Information - Summary of Company's Revenue by Geographical Region (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Revenue [Abstract]
Revenue	$ 2,657,800	$ 2,117,639	$ 1,736,085
United States
Revenue [Abstract]
Revenue	2,604,460	2,087,519	1,722,927
Other International Countries
Revenue [Abstract]
Revenue	$ 53,340	$ 30,120	$ 13,158

Fair Value Measurements - Addit

Fair Value Measurements - Additional Information (Detail) - USD ($)	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Transfer of liabilities, amount	$ 0	$ 0
Transfer of assets, amount	$ 0	0
Maximum
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Cash and cash equivalent maturity period	90 days
Fair Value, Measurements, Recurring
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Liabilities fair value recurring	$ 0	0
Fair Value Measurements Nonrecurring
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Liabilities fair value recurring	0	0
Assets fair value non-recurring	$ 0	$ 0

Fair Value Measurements - Fair

Fair Value Measurements - Fair Value Assets Measured on Recurring Basis (Detail) - Fair Value, Measurements, Recurring - USD ($) $ in Thousands		Dec. 31, 2024	Dec. 31, 2023
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Consumer loans and finance receivables	[1]	$ 1,639,307	$ 1,380,784
Small business loans and finance receivables	[1]	2,747,137	2,248,383
Non-qualified savings plan assets	[2]	10,712	8,045
Investment in trading security	[3]	3,636	7,169
Total		4,400,792	3,644,381
Level 1
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Non-qualified savings plan assets	[2]	10,712	8,045
Investment in trading security	[3]	3,636	7,169
Total		14,348	15,214
Level 3
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Consumer loans and finance receivables	[1]	1,639,307	1,380,784
Small business loans and finance receivables	[1]	2,747,137	2,248,383
Total		$ 4,386,444	$ 3,629,167
[1] Consumer loans and finance receivables and small business loans and finance receivables are included in “Loans and finance receivable at fair value” in the Company’s consolidated balance sheets. The non-qualified savings plan assets are included in “Other receivables and prepaid expenses” in the Company’s consolidated balance sheets and have an offsetting liability, which is included in “Accounts payable and accrued expenses” in the Company’s consolidated balance sheets. Investment in trading security is included in “Other assets” in the Company’s consolidated balance sheets.

Fair Value Measurements - Finan

Fair Value Measurements - Financial Assets and Liabilities Not Measured at Fair Value (Detail) - USD ($) $ in Thousands		Dec. 31, 2024	Dec. 31, 2023
Carrying Value
Financial assets:
Cash and cash equivalents		$ 73,910	$ 54,357
Restricted cash	[1]	248,758	323,082
Investment in unconsolidated investee	[2]	6,918	6,918
Total		329,586	384,357
Financial liabilities:
Revolving line of credit		453,000	356,000
Securitization facilities		2,238,279	1,665,785
Total		3,588,312	2,961,771
Carrying Value | 8.50% Senior Notes Due 2024
Financial liabilities:
Senior notes			168,702
Carrying Value | 8.50% Senior Notes Due 2025
Financial liabilities:
Senior notes			375,000
Carrying Value | 11.25% Senior Unsecured Notes Due 2028
Financial liabilities:
Senior notes		397,033	396,284
Carrying Value | 9.125% Senior Notes Due 2029
Financial liabilities:
Senior notes		500,000
Level 1 | Estimated Fair Value
Financial assets:
Cash and cash equivalents		73,910	54,357
Restricted cash	[1]	248,758	323,082
Total		322,668	377,439
Level 2 | Estimated Fair Value
Financial liabilities:
Securitization facilities		2,246,406	1,660,596
Total		3,198,878	2,612,615
Level 2 | Estimated Fair Value | 8.50% Senior Notes Due 2024
Financial liabilities:
Senior notes			168,702
Level 2 | Estimated Fair Value | 8.50% Senior Notes Due 2025
Financial liabilities:
Senior notes			370,729
Level 2 | Estimated Fair Value | 11.25% Senior Unsecured Notes Due 2028
Financial liabilities:
Senior notes		433,112	412,588
Level 2 | Estimated Fair Value | 9.125% Senior Notes Due 2029
Financial liabilities:
Senior notes		519,360
Level 3 | Estimated Fair Value
Financial assets:
Investment in unconsolidated investee	[2]	6,918	6,918
Total		6,918	6,918
Financial liabilities:
Revolving line of credit		453,000	356,000
Total		$ 453,000	$ 356,000
[1] Restricted cash includes $ 217.3 million and $ 136.0 million in assets of consolidated VIEs as of December 31, 2024 and 2023 , respectively. Investment in unconsolidated investee is included in “Other assets” in the consolidated balance sheets.

Fair Value Measurements - Fin_2

Fair Value Measurements - Financial Assets and Liabilities Not Measured at Fair Value (Parenthetical) (Detail) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 06, 2023	Sep. 19, 2018	Sep. 01, 2017
Variable Interest Entity, Primary Beneficiary
Fair Value Balance Sheet Grouping Financial Statement Captions [Line Items]
Restricted cash	$ 217.3	$ 136
8.50% Senior Notes Due 2024
Fair Value Balance Sheet Grouping Financial Statement Captions [Line Items]
Debt instrument, interest rate	8.50%	8.50%			8.50%
Debt instrument, maturity period	2024	2024
8.50% Senior Notes Due 2025
Fair Value Balance Sheet Grouping Financial Statement Captions [Line Items]
Debt instrument, interest rate	8.50%	8.50%		8.50%
Debt instrument, maturity period	2025	2025
11.25% Senior Unsecured Notes Due 2028
Fair Value Balance Sheet Grouping Financial Statement Captions [Line Items]
Debt instrument, interest rate	11.25%	11.25%	11.25%
Debt instrument, maturity period	2028	2028
9.125% Senior Notes Due 2029
Fair Value Balance Sheet Grouping Financial Statement Captions [Line Items]
Debt instrument, interest rate	9.125%
Debt instrument, maturity period	2029