CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Current assets:
Unrestricted cash and cash equivalents	$ 2,136,375	$ 1,063,426
Restricted cash	5,693	2,728
Investment securities available-for-sale, at fair value	0	10,020
Settlement assets	344,299	239,222
Accounts receivable, net	44,175	59,543
Prepaid expenses and other assets	54,278	66,183
Income tax receivable	961	870
Total current assets	2,585,781	1,441,992
Investment securities available-for-sale, at fair value	309,374	267,419
Loans to bank customers, net of allowance for loan losses of $642 and $1,166 as of September 30, 2020 and December 31, 2019, respectively	20,423	21,417
Prepaid expenses and other assets	40,683	10,991
Property, equipment, and internal-use software, net	145,932	145,476
Operating lease right-of-use assets	21,745	26,373
Deferred expenses	6,860	16,891
Net deferred tax assets	9,097	9,037
Goodwill and intangible assets	499,014	520,994
Total assets	3,638,909	2,460,590
Current liabilities:
Accounts payable	28,831	37,876
Deposits	2,282,674	1,175,341
Obligations to customers	93,693	69,377
Settlement obligations	9,708	13,251
Amounts due to card issuing banks for overdrawn accounts	292	380
Other accrued liabilities	137,478	107,842
Operating lease liabilities	8,080	8,764
Deferred revenue	13,570	28,355
Income tax payable	12,695	3,948
Total current liabilities	2,587,021	1,445,134
Other accrued liabilities	6,402	10,883
Operating lease liabilities	18,629	24,445
Line of credit	0	35,000
Net deferred tax liabilities	17,984	17,772
Total liabilities	2,630,036	1,533,234
Commitments and contingencies (Note 17)
Stockholders’ equity:
Class A common stock, $0.001 par value; 100,000 shares authorized as of September 30, 2020 and December 31, 2019; 53,459 and 51,807 shares issued and outstanding as of September 30, 2020 and December 31, 2019, respectively	53	52
Additional paid-in capital	329,967	296,224
Retained earnings	675,906	629,040
Accumulated other comprehensive income	2,947	2,040
Total stockholders’ equity	1,008,873	927,356
Total liabilities and stockholders’ equity	$ 3,638,909	$ 2,460,590