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CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Cash flows from operating activities:    
Net income (loss) $ (2,533) $ 13,488
Adjustments to reconcile net income (loss) to net cash provided by operating activities:    
Provision for (benefit from) credit losses (695) 12,756
Loss on sale of assets 82 0
Loss on impairment 641 5,771
Right-of-use amortization 143 415
Amortization of debt issuance costs 1,351 1,054
Deferred income taxes, net 22,573 4,807
Unrealized net gain on warrants (775) (2,406)
Loss on disposal of inventory 314 0
Net gain on exercise and cancellation of warrants 0 (445)
Gain on sale of business (1,476) 0
Change in fair value of acquisition-related contingent consideration 0 (4,900)
Loss (gain) on revaluation of finance receivables 3,727 (2,495)
Foreign currency transaction gains (681) (1,414)
Loss on marketable investments 384 266
Loan discount amortization and fee accretion (2,225) (3,918)
Interest paid-in-kind (1,785) (2,807)
Stock-based compensation 1,175 944
Depreciation and amortization expense 40 1,399
Changes in operating assets and liabilities:    
Interest, accounts receivable and other receivables 1,929 (1,059)
Derivative assets and liabilities, net 915 1,229
Collateral on foreign currency forward contract 2,750 0
Other assets, net 1,343 199
Accounts payable, accrued expenses, and other non-current liabilities 1,589 (1,326)
Deferred income (1,500) 1,491
Net cash provided by operating activities 27,286 23,049
Cash flows from investing activities:    
Proceeds from sale of property and equipment 110 0
Settlement of foreign currency forward contract 1,560 0
Proceeds from sale of assets and liabilities held for sale 6,790 0
Sale of marketable investments 0 574
Investment in finance receivables (28,500) (63,706)
Proceeds from sale of finance receivables 31,678 0
Repayment of finance receivables 56,911 53,109
Corporate debt securities principal payments 21 27
Purchases of property and equipment (512) (138)
Net cash provided by (used in) investing activities 68,058 (10,134)
Cash flows from financing activities:    
Net settlement for employee taxes on stock options (89) (43)
Net payments on from credit facility (6,233) (6,117)
Cash dividends (49,078) 0
Payments on financing costs (41) (50)
Repurchases of common stock, including fees and expenses (3,067) (6,014)
Net cash used in financing activities (58,508) (12,224)
Net increase in cash and cash equivalents 36,836 691
Cash and cash equivalents at beginning of period 5,927 5,236
Cash and cash equivalents at end of period 42,763 5,927
Supplemental non-cash investing and financing activities:    
Derecognition of right-of-use assets and operating lease liabilities upon termination of lease 0 82
Cash paid for interest 2,967 3,082
Fair value of warrants received with finance receivables $ 537 $ 1,241