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CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($)
shares in Thousands, $ in Thousands
3 Months Ended 9 Months Ended
Sep. 30, 2023
Sep. 30, 2022
Sep. 30, 2023
Sep. 30, 2022
Revenue        
Total revenue $ 167,863 $ 186,409 $ 504,247 $ 737,547
Provision for losses 49,009 65,020 161,128 277,421
Net revenue 118,854 121,389 343,119 460,126
Operating Expenses        
Salaries and benefits 52,148 49,179 161,911 196,121
Occupancy 10,454 12,419 32,683 46,442
Advertising 2,819 4,676 6,785 27,342
Direct operations 12,176 8,288 33,953 41,438
Depreciation and amortization 5,390 5,683 16,119 17,070
Other operating expense 11,207 22,595 37,179 56,354
Total operating expenses 94,194 102,840 288,630 384,767
Other expense (income)        
Interest expense 55,798 38,155 150,303 103,840
Loss from equity method investment 1,453 2,309 7,000 2,053
Extinguishment or modification of debt costs 0 3,702 8,864 3,702
Gain on sale of business 0 (68,443) 2,027 (68,443)
Miscellaneous expenses 0 0 1,435 0
Total other expense (income) 57,251 (24,277) 169,629 41,152
(Loss) income from continuing operations before income taxes (32,591) 42,826 (115,140) 34,207
Provision for income taxes from continuing operations 1,021 21,709 27,445 22,109
Net (loss) income from continuing operations (33,612) 21,117 (142,585) 12,098
Net (loss) income from discontinued operations (70,830) 4,536 (80,655) (11,189)
Net (loss) income $ (104,442) $ 25,653 $ (223,240) $ 909
Basic (loss) earnings per share:        
Basic (loss) earnings per share, continuing operations (in usd per share) $ (0.81) $ 0.52 $ (3.48) $ 0.30
Basic (loss) earnings per share, discontinued operations (in usd per share) (1.72) 0.11 (1.97) (0.28)
Basic (loss) earnings per share (in usd per share) (2.53) 0.63 (5.45) 0.02
Diluted (loss) earnings per share:        
Diluted (loss) earnings per share, continuing operations (in usd per share) (0.81) 0.52 (3.48) 0.3
Diluted (loss) earnings per share, discontinued operations (in usd per share) (1.72) 0.11 (1.97) (0.28)
Diluted (loss) earnings per share (in usd per share) $ (2.53) $ 0.63 $ (5.45) $ 0.02
Weighted average common shares outstanding:        
Basic (in shares) 41,267 40,479 41,018 40,203
Diluted (in shares) 41,267 40,835 41,018 40,754
Interest and fees revenue        
Revenue        
Total revenue $ 143,493 $ 155,940 $ 429,563 $ 659,725
Insurance and other income        
Revenue        
Total revenue $ 24,370 $ 30,469 $ 74,684 $ 77,822