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CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($)
shares in Thousands, $ in Thousands
3 Months Ended 6 Months Ended
Jun. 30, 2022
Jun. 30, 2021
Jun. 30, 2022
Jun. 30, 2021
Revenue $ 304,404 $ 187,693 $ 594,600 $ 384,244
Provision for losses 129,546 45,165 227,077 81,310
Consolidated net revenue 174,858 142,528 367,523 302,934
Operating Expenses        
Salaries and benefits 82,427 58,320 162,156 113,237
Occupancy 17,507 13,783 34,544 28,130
Advertising 12,707 7,043 23,207 15,127
Direct operations 20,293 13,699 40,567 25,668
Depreciation and amortization 8,672 7,435 18,486 12,400
Other operating expense 22,801 17,218 38,913 30,170
Total operating expenses 164,407 117,498 317,873 224,732
Other expense (income)        
Interest expense 42,193 23,440 80,534 42,979
Loss (income) from equity method investment 1,328 (1,712) (256) (2,258)
Gain from equity method investment 0 (135,387) 0 (135,387)
Total other expense (income) 43,521 (113,659) 80,278 (94,666)
(Loss) income before income taxes (33,070) 138,689 (30,628) 172,868
(Benefit) provision for income taxes (6,990) 34,172 (5,884) 42,616
Net (loss) income $ (26,080) $ 104,517 $ (24,744) $ 130,252
Earnings per share:        
Basic earnings per share (in usd per share) $ (0.65) $ 2.51 $ (0.61) $ 3.13
Diluted earnings per share (in usd per share) $ (0.65) $ 2.39 $ (0.61) $ 2.99
Weighted average common shares outstanding:        
Basic (in shares) 40,376 41,655 40,372 41,580
Diluted (in shares) 40,376 43,672 40,372 43,556
Interest and fees revenue        
Revenue $ 278,331 $ 169,403 $ 543,287 $ 348,526
Insurance premiums and commissions        
Revenue 18,653 11,853 36,913 23,422
Other revenue        
Revenue $ 7,420 $ 6,437 $ 14,400 $ 12,296