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CONDENSED CONSOLIDATED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME - USD ($)
3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Revenues:        
Total revenues $ 154,921,000 $ 171,947,000 $ 460,364,000 $ 493,890,000
Operating expenses:        
Service charges from agents and banks 98,636,000 111,348,000 294,681,000 322,651,000
Salaries and benefits 19,701,000 17,238,000 56,514,000 52,237,000
Other selling, general and administrative expenses 14,132,000 10,412,000 37,475,000 30,846,000
Provision for credit losses 2,154,000 1,665,000 6,078,000 5,036,000
Restructuring costs 0 27,000 306,000 2,738,000
Transaction costs 5,353,000 50,000.0 8,746,000 86,000.0
Depreciation and amortization 4,410,000 3,382,000 12,493,000 9,981,000
Total operating expenses 144,386,000 144,122,000 416,293,000 423,575,000
Operating income 10,535,000 27,825,000 44,071,000 70,315,000
Interest expense 2,981,000 3,200,000 8,774,000 8,997,000
Income before income taxes 7,554,000 24,625,000 35,297,000 61,318,000
Income tax provision 2,591,000 7,328,000 11,558,000 17,882,000
Net income 4,963,000 17,297,000 23,739,000 43,436,000
Other comprehensive income (loss) (160,000) (66,000) 1,424,000 (585,000)
Comprehensive income $ 4,803,000 $ 17,231,000 $ 25,163,000 $ 42,851,000
Earnings per common share:        
Basic (in dollars per share) $ 0.17 $ 0.53 $ 0.79 $ 1.32
Diluted (in dollars per share) $ 0.17 $ 0.53 $ 0.79 $ 1.30
Weighted-average common shares outstanding:        
Basic (in shares) 29,616,788 32,366,831 30,012,584 32,911,742
Diluted (in shares) 29,816,620 32,732,465 30,183,399 33,335,363
Wire transfer and money order fees, net        
Revenues:        
Total revenues $ 127,795,000 $ 144,600,000 $ 380,932,000 $ 417,358,000
Foreign exchange gain, net        
Revenues:        
Total revenues 22,278,000 23,954,000 66,140,000 67,100,000
Other income        
Revenues:        
Total revenues $ 4,848,000 $ 3,393,000 $ 13,292,000 $ 9,432,000