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CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Cash flows from operating activities:    
Net income $ 23,739,000 $ 43,436,000
Adjustments to reconcile net income to net cash provided by operating activities:    
Depreciation and amortization 12,493,000 9,981,000
Share-based compensation 7,004,000 6,857,000
Provision for credit losses 6,078,000 5,036,000
Debt origination costs amortization 770,000 888,000
Loss on debt extinguishment 0 272,000
Deferred income tax provision (benefit), net 368,000 (1,110,000)
Non-cash lease expense 5,220,000 5,265,000
Loss on disposal of property and equipment 1,111,000 1,315,000
Total adjustments 33,044,000 28,504,000
Changes in operating assets and liabilities:    
Accounts receivable (18,972,000) 23,919,000
Prepaid wires, net 28,164,000 (5,661,000)
Prepaid expenses and other assets (4,974,000) 5,469,000
Wire transfers and money orders payable, net 6,465,000 (17,232,000)
Lease liabilities (6,061,000) (4,036,000)
Accounts payable and accrued and other liabilities (8,896,000) (16,431,000)
Net cash provided by operating activities 52,509,000 57,968,000
Cash flows from investing activities:    
Purchases of property and equipment (16,713,000) (26,060,000)
Proceeds from sale of real estate property 407,000 0
Cash used in business acquisition, net of cash and cash equivalents acquired 0 (1,249,000)
Acquisition of agent locations (1,199,000) (550,000)
Net cash used in investing activities (17,505,000) (27,859,000)
Cash flows from financing activities:    
Repayments of term loan facility 0 (75,469,000)
Borrowings under revolving credit facility 6,086,600,000 936,450,000
Repayments under revolving credit facility (6,085,286,000) (912,250,000)
Debt origination costs 0 (3,066,000)
Payments from exercise of stock options (10,000) (823,000)
Payments for stock-based awards (1,059,000) (1,136,000)
Repurchases of common stock (16,334,000) (54,940,000)
Other financing activities (49,000) 0
Net cash used in financing activities (16,138,000) (111,234,000)
Effect of exchange rate changes on cash and cash equivalents 2,220,000 (1,467,000)
Net increase (decrease) in cash and cash equivalents 21,086,000 (82,592,000)
Cash and cash equivalents, beginning of period 130,503,000 239,203,000
Cash and cash equivalents, end of period 151,589,000 156,611,000
Supplemental disclosure of cash flow information:    
Cash paid for interest 8,004,000 7,939,000
Cash paid for income taxes 16,706,000 24,304,000
Supplemental disclosure of non-cash investing activities:    
Lease liabilities arising from obtaining right-of-use assets 2,745,000 2,089,000
Settlement of receivables from agent acquisitions 1,634,000 0
Accrued liabilities related to agent acquisitions 350,000 0
Supplemental disclosure of non-cash financing activities:    
Issuance of common stock for cashless exercise of options $ 0 $ 4,359,000