CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	9 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Cash flows from operating activities:
Net income	$ 7,235	$ 30,871
Adjustments to reconcile net income (loss) to net cash provided by operating activities:
Stock-based compensation	176,998	182,771
Amortization of intangible assets	45,494	46,760
Depreciation of property and equipment	16,751	9,850
Amortization of capitalized internal-use software costs and other paid in cash	25,038	10,947
Amortization of debt discount and issuance costs	4,826	3,280
Accretion of discount on investments in marketable debt securities	(19,144)	(29,410)
Accretion of discount on loans held for investment	(20,760)	(15,239)
Gain on debt extinguishment	0	(40,550)
Provision for expected credit losses on acquired card receivables and other financial assets	57,554	56,964
Non-cash operating lease expense	6,150	6,174
Other	949	909
Changes in assets and liabilities:
Accounts receivable	410	1,282
Prepaid expenses and other current assets	11,399	(18,206)
Other assets	74	8,398
Accounts payable	(8,475)	1,760
Other accruals and current liabilities	7,741	14,381
Operating lease liabilities	(7,511)	(7,187)
Other long-term liabilities	1,166	2,261
Deferred revenue	(1,049)	812
Net cash provided by operating activities	304,846	266,828
Cash flows from investing activities:
Purchases of corporate and customer fund short-term investments	(1,333,209)	(2,314,975)
Proceeds from maturities and sales of corporate and customer fund short-term investments	1,247,330	1,727,367
Purchase of intangible assets	0	(2,868)
Purchases of loans held for investment	(759,498)	(576,885)
Principal repayments of loans held for investment	767,043	564,295
Acquired card receivables, net	(146,644)	(146,388)
Purchases of property and equipment	(2,959)	(1,546)
Capitalization of internal-use software costs	(43,760)	(21,219)
Other	(1,438)	(1,582)
Net cash used in investing activities	(273,135)	(773,801)
Cash flows from financing activities:
Proceeds from issuance of convertible senior notes	0	1,400,000
Cash paid for convertible senior notes issuance costs	0	(24,006)
Payments for repurchase and settlement of convertible senior notes	(33,463)	(539,403)
Purchase of capped calls	0	(92,960)
Customer fund deposits liability	(56,861)	(61,856)
Prepaid card deposits	31,557	43,473
Repurchase of common stock	(272,658)	(400,001)
Proceeds from line of credit borrowings	150,000	0
Proceeds from exercise of stock options	1,517	2,772
Tax withholdings related to net share settlements of equity awards	(43,964)	(6,416)
Proceeds from issuance of common stock under the employee stock purchase plan	4,648	5,302
Other	(2,254)	0
Net cash provided by (used in) financing activities	(221,478)	326,905
Effect of exchange rate changes on cash, cash equivalents, restricted cash and restricted cash equivalents	142	(181)
Net decrease in cash, cash equivalents, restricted cash, and restricted cash equivalents	(189,625)	(180,249)
Cash, cash equivalents, restricted cash, and restricted cash equivalents, beginning of period	3,550,885	3,351,399
Cash, cash equivalents, restricted cash, and restricted cash equivalents, end of period	3,361,260	3,171,150
Reconciliation of cash, cash equivalents, restricted cash, and restricted cash equivalents within the condensed consolidated balance sheets to the amounts shown in the condensed consolidated statements of cash flows above:
Cash and cash equivalents	994,672	1,047,737
Restricted cash included in other current assets	110,372	92,754
Restricted cash included in other assets	3,304	5,297
Restricted cash and restricted cash equivalents included in funds held for customers	2,252,912	2,025,362
Total cash, cash equivalents, restricted cash, and restricted cash equivalents, end of period	$ 3,361,260	$ 3,171,150