v3.26.1
Segment Reporting
 6 Months Ended
Jun. 30, 2026
Segment Reporting [Abstract]  
Segment Reporting

Note 13. Segment Reporting

The Company has one reportable segment: consumer finance. Consolidated net income is the measure used by the CODM in evaluating the segment profit or loss of the Company. The CODM either reviews or is otherwise regularly provided with amounts for the following measures in the Company’s financial results for the periods indicated:

 

 

 

Three Months Ended June 30,

 

 

Six Months Ended June 30,

 

Dollars in thousands

 

2026

 

 

2025

 

 

2026

 

 

2025

 

Interest income

 

$

140,293

 

 

$

130,244

 

 

$

280,535

 

 

$

257,013

 

Fee income

 

 

9,985

 

 

 

10,451

 

 

 

20,039

 

 

 

20,235

 

Insurance income, net

 

 

10,976

 

 

 

11,499

 

 

 

22,786

 

 

 

22,796

 

Other income

 

 

6,752

 

 

 

5,248

 

 

 

11,936

 

 

 

10,365

 

Provision for credit losses

 

 

69,006

 

 

 

60,587

 

 

 

133,874

 

 

 

118,579

 

Share-based compensation expense

 

 

2,392

 

 

 

2,798

 

 

 

4,291

 

 

 

6,299

 

Depreciation and amortization expense

 

 

3,213

 

 

 

2,397

 

 

 

6,315

 

 

 

4,697

 

Interest expense

 

 

22,993

 

 

 

20,426

 

 

 

45,916

 

 

 

40,197

 

Income tax expense

 

 

2,410

 

 

 

3,344

 

 

 

5,844

 

 

 

5,498

 

As part of the CODM’s review and evaluation process for allocating resources, the CODM is provided with consolidated expenses and total assets as noted on the face of the Company’s Consolidated Statements of Comprehensive Income and Consolidated Balance Sheets, respectively.

The Company’s balance sheet expenditures for long-lived assets either reviewed by the CODM or otherwise regularly provided to the CODM are included in the Company’s Consolidated Statements of Cash Flows. These expenditures are represented as “Purchases of intangible assets,” “Purchases of property and equipment,” and “Operating leases paid” within the referenced statements.