CONDENSED CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Sep. 30, 2025	Dec. 31, 2024
Current assets:
Cash and cash equivalents	$ 151,589	$ 130,503
Accounts receivable, net of allowance of $5,684 and $3,546, respectively	119,218	107,077
Prepaid wires, net	23,199	49,205
Prepaid expenses and other current assets	17,218	10,998
Total current assets	311,224	297,783
Property and equipment, net	56,633	50,354
Goodwill	55,195	55,195
Intangible assets, net	26,576	26,847
Other assets	29,104	32,198
Total assets	478,732	462,377
Current liabilities:
Accounts payable	18,328	19,520
Wire transfers and money orders payable, net	93,416	85,044
Accrued and other liabilities	41,758	47,434
Total current liabilities	153,502	151,998
Long-term liabilities:
Debt, net	157,929	156,623
Lease liabilities, net	16,995	18,582
Deferred tax liability, net	618	250
Total long-term liabilities	175,542	175,455
Commitments and contingencies, see Note 17
Stockholders’ equity:
Preferred stock $0.0001 par value; 5,000,000 shares authorized, none issued or outstanding	0	0
Common stock $0.0001 par value; 200,000,000 shares authorized, 40,676,779 and 40,164,056 shares issued and 29,713,211 and 30,548,702 shares outstanding as of September 30, 2025 and December 31, 2024, respectively	4	4
Additional paid-in capital	85,527	79,592
Retained earnings	281,209	257,470
Accumulated other comprehensive loss	(22)	(1,446)
Treasury stock, at cost; 10,963,568 and 9,615,354 shares as of September 30, 2025 and December 31, 2024, respectively	(217,030)	(200,696)
Total stockholders’ equity	149,688	134,924
Total liabilities and stockholders’ equity	$ 478,732	$ 462,377