Consolidated Statements of Operations and Comprehensive Income (unaudited) - USD ($) shares in Thousands, $ in Thousands		3 Months Ended
		Mar. 31, 2026	Mar. 31, 2025
Income Statement [Abstract]
Total revenue		$ 135,539	$ 104,912
Operating Expenses
Personnel		14,667	15,048
Transaction expense		18,520	15,317
Third-party technology and data		4,415	3,374
Marketing, advertising, and tradeshows		11,246	5,346
General and administrative		3,980	3,131
Provision for credit losses		13,675	12,801
Total operating expenses		66,503	55,017
Operating Income		69,036	49,895
Other Income (Expense)
Net interest expense		(3,015)	(2,914)
Other income (expense), net		(32)	25
Income before taxes		65,989	47,006
Income tax expense		14,686	10,842
Net Income		51,303	36,164
Other Comprehensive (Loss) Income
Foreign currency translation adjustment		(78)	93
Total Comprehensive Income		$ 51,225	$ 36,257
Net income per share
Basic (in usd per share)	[1]	$ 1.52	$ 1.07
Diluted (in usd per share)	[1]	$ 1.47	$ 1.00
Weighted-average shares outstanding
Basic (in shares)	[1]	33,764	33,852
Diluted (in shares)	[1]	34,932	36,171

[1] Effective March 28, 2025, we performed a 6-for-1 stock split of the Company’s common stock, effected through a stock dividend. Share and per-share amounts have been retroactively adjusted.