7Baggers
Quarterly
Annual
    Unit: USD2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30 2022-06-30 2022-03-31 2021-12-31 2021-09-30 2021-06-30 2021-03-31 2020-12-31 
      
    		                    
      revenue
    		                    
      merchant network revenue
    		251,147,000 239,451,000 213,973,000 244,895,000 184,339,000 181,008,000 159,292,000 188,357,000 145,950,000 141,419,000 119,013,000 134,019,000 113,149,000 118,126,000 121,054,000 127,087,000 92,244,000 88,657,000 97,999,000 99,630,000 
      card network revenue
    		69,330,000 67,114,000 58,572,000 58,142,000 47,480,000 42,980,000 35,676,000 39,269,000 33,476,000 34,044,000 29,469,000 29,117,000 26,708,000 31,574,000 23,169,000 26,558,000 19,395,000 19,264,000 13,809,000 10,820,000 
      total network revenue
    		320,477,000 306,565,000 272,545,000 303,037,000 231,819,000 223,988,000 194,968,000 227,626,000 179,426,000 175,463,000 148,482,000 163,136,000 139,857,000 149,700,000 144,223,000 153,645,000 111,639,000 107,921,000 111,808,000  
      interest income
    		454,122,000 419,089,000 402,701,000 409,367,000 377,064,000 337,618,000 315,712,000 288,346,000 262,679,000 214,824,000 178,270,000 155,321,000 136,802,000 137,624,000 134,599,000 138,355,000 117,302,000 103,793,000 94,530,000 73,857,000 
      gain on sales of loans
    		119,049,000 116,883,000 75,838,000 125,287,000 63,613,000 69,983,000 40,183,000 52,702,000 34,285,000 32,326,000 32,813,000 59,607,000 63,595,000 55,282,000 52,484,000 57,690,000 30,979,000 42,582,000 16,350,000 14,560,000 
      servicing income
    		39,689,000 33,879,000 32,050,000 28,690,000 25,983,000 27,596,000 25,294,000 22,436,000 20,157,000 23,212,000 21,413,000 21,494,000 21,370,000 21,528,000 23,456,000 11,321,000 9,465,000 7,484,000 7,977,000 5,174,000 
      total revenue
    		933,337,000 876,417,000 783,135,000 866,381,000 698,479,000 659,185,000 576,157,000 591,110,000 496,547,000 445,825,000 380,978,000 399,558,000 361,624,000 364,134,000 354,762,000 361,011,000 269,385,000 261,780,000 230,665,000 204,041,000 
      yoy
    		33.62% 32.95% 35.92% 46.57% 40.67% 47.86% 51.23% 47.94% 37.31% 22.43% 7.39% 10.68% 34.24% 39.10% 53.80% 76.93%     
      qoq
    		6.49% 11.91% -9.61% 24.04% 5.96% 14.41% -2.53% 19.04% 11.38% 17.02% -4.65% 10.49% -0.69% 2.64% -1.73% 34.01% 2.91% 13.49% 13.05%  
      operating expenses
    		                    
      loss on loan purchase commitment
    		71,552,000 60,459,000 57,290,000 70,278,000 54,237,000 47,756,000 44,143,000 53,630,000 34,866,000 35,009,000 31,224,000 38,422,000 35,610,000 40,285,000 46,853,000 65,265,000 51,678,000 51,010,000 62,054,000 67,768,000 
      benefit from credit losses
    		162,752,000 156,627,000 147,252,000 152,980,000 159,824,000 117,609,000 122,443,000 120,880,000 99,696,000 94,483,000 66,438,000 106,689,000 64,250,000 72,691,000 66,294,000 52,640,000 63,647,000 25,489,000 -1,063,000 17,468,000 
      funding costs
    		110,027,000 105,912,000 107,631,000 107,762,000 104,145,000 95,256,000 90,449,000 84,617,000 73,931,000 63,008,000 51,188,000 43,751,000 25,066,000 19,417,000 15,824,000 17,700,000 16,753,000 15,623,000 14,665,000 12,060,000 
      processing and servicing
    		133,807,000 128,345,000 118,398,000 115,960,000 95,146,000 89,166,000 88,209,000 90,203,000 75,671,000 71,247,000 65,229,000 66,508,000 54,359,000 47,393,000 43,371,000 41,849,000 25,201,000 22,132,000 21,335,000 16,802,000 
      technology and data analytics
    		168,106,000 154,600,000 152,620,000 148,213,000 134,290,000 124,231,000 124,828,000 119,833,000 132,965,000 152,318,000 161,792,000 156,747,000 144,961,000 135,350,000 110,291,000 94,989,000 78,013,000 81,952,000 98,728,000 41,634,000 
      sales and marketing
    		78,491,000 79,554,000 74,022,000 136,038,000 145,233,000 135,324,000 132,950,000 161,265,000 146,866,000 145,131,000 140,942,000 188,334,000 163,873,000 168,693,000 156,214,000 143,476,000 63,960,000 65,036,000 57,549,000 39,112,000 
      general and administrative
    		144,941,000 132,857,000 134,303,000 139,412,000 138,482,000 123,459,000 128,721,000 132,777,000 140,334,000 127,521,000 139,266,000 158,639,000 160,972,000 157,531,000 142,466,000 141,292,000 136,204,000 150,209,000 146,853,000 40,916,000 
      restructuring and other
    		  12,000 60,000 -255,000 -156,000 5,203,000 56,000 1,665,000            
      total operating expenses
    		869,676,000 818,353,000 791,527,000 870,703,000 831,102,000 732,645,000 736,946,000 763,261,000 705,994,000 689,653,000 691,013,000 759,090,000 649,091,000 641,360,000 581,313,000 557,211,000 435,456,000 411,451,000 400,121,000 235,760,000 
      operating income
    		63,661,000 58,064,000 -8,393,000 -4,322,000 -132,623,000 -73,460,000 -160,789,000 -172,151,000 -209,447,000 -243,828,000 -310,035,000 -359,532,000 -287,467,000 -277,226,000 -226,551,000 -196,200,000 -166,071,000 -149,671,000 -169,456,000 -31,719,000 
      yoy
    		-148.00% -179.04% -94.78% -97.49% -36.68% -69.87% -48.14% -52.12% -27.14% -12.05% 36.85% 83.25% 73.10% 85.22% 33.69% 518.56%     
      qoq
    		9.64% -791.81% 94.19% -96.74% 80.54% -54.31% -6.60% -17.81% -14.10% -21.35% -13.77% 25.07% 3.69% 22.37% 15.47% 18.14% 10.96% -11.68% 434.24%  
      operating margin %
    		6.82% 6.63% -1.07% -0.50% -18.99% -11.14% -27.91% -29.12% -42.18% -54.69% -81.38% -89.98% -79.49% -76.13% -63.86% -54.35% -61.65% -57.17% -73.46% -15.55% 
      other income
    		19,358,000 13,516,000 13,738,000 87,181,000 34,303,000 29,321,000 27,743,000 4,549,000 38,707,000 36,550,000 103,522,000 35,527,000 36,018,000 72,710,000 172,139,000 36,741,000 -140,373,000 -5,985,000 -77,773,000 240,000 
      income before income taxes
    		83,019,000 71,580,000 5,345,000 82,859,000 -98,320,000 -44,139,000 -133,046,000 -167,602,000 -170,740,000 -207,278,000 -206,513,000 -324,005,000 -251,449,000 -204,516,000 -54,412,000 -159,459,000 -306,444,000 -155,656,000 -247,229,000 -31,479,000 
      income tax expense
    		2,326,000 1,735,500 2,541,000  1,902,000           276,000 171,000   78,000 
      net income
    		80,694,000 69,244,000 2,804,000 80,360,000 -100,222,000 -45,136,000 -133,936,000 -166,902,000 -171,783,000 -205,962,000 -205,677,000 -322,437,000 -251,269,000 -186,396,000 -54,671,000 -159,735,000 -306,615,000 -153,208,000 -247,159,000 -31,557,000 
      yoy
    		-180.52% -253.41% -102.09% -148.15% -41.66% -78.09% -34.88% -48.24% -31.63% 10.50% 276.21% 101.86% -18.05% 21.66% -77.88% 406.18%     
      qoq
    		16.54% 2369.47% -96.51% -180.18% 122.04% -66.30% -19.75% -2.84% -16.59% 0.14% -36.21% 28.32% 34.80% 240.94% -65.77% -47.90% 100.13% -38.01% 683.21%  
      net income margin %
    		8.65% 7.90% 0.36% 9.28% -14.35% -6.85% -23.25% -28.24% -34.60% -46.20% -53.99% -80.70% -69.48% -51.19% -15.41% -44.25% -113.82% -58.53% -107.15% -15.47% 
      other comprehensive income
    		                    
      foreign currency translation adjustments
    		-10,003,000 29,598,000 3,550,000 -35,469,000 8,346,000 -4,702,000 -10,879,000 13,824,000 -11,898,000 8,850,000 31,000 4,522,000 -21,546,000 -9,845,000 5,406,000 2,341,000 -3,802,000 1,994,000 2,829,000 1,834,000 
      unrealized gain on securities available for sale
    		812,000 -197,000 778,000 -2,873,000 5,589,000 681,000 -30,000 4,853,000 1,353,000 -2,943,000 4,520,000   -4,981,000 -2,105,000 -657,000 -279,000    
      loss on cash flow hedges
    		-129,000                    
      net other comprehensive income
    		-9,320,000 29,435,000 3,049,000 -38,431,000 12,443,000 -469,500 -10,159,000 18,063,000  6,915,000 4,294,000   -14,826,000 3,301,000 1,684,000 -4,081,000 2,023,000 2,829,000 1,834,000 
      comprehensive income
    		71,373,000 98,680,000 5,853,000 41,929,000                 
      per share data:
    		                    
      net income per share
    		                    
      basic
    		0.24 0.21 0.01 0.25 -0.31 -0.14 -0.43 -0.54 -0.57 -0.69 -0.69 -1.1 -0.86 -0.65 -0.19 -0.57 -1.13 -0.45 -1.06 -0.45 
      diluted
    		0.23 0.2 0.01 0.23 -0.31 -0.14 -0.43 -0.54 -0.57 -0.69 -0.69 -1.1 -0.86 -0.65 -0.19 -0.57 -1.13 -0.4 -1.06 -0.45 
      weighted-average common shares outstanding:
    		                    
      basic
    		330,238,205 322,851,873 324,053,967 322,282,334 318,234,555 309,857,129 312,626,728 307,571,602 303,839,670 295,343,466 297,204,715 293,683,331 290,929,270 281,704,041 285,641,820 281,533,888 271,677,516 158,367,923 233,309,590 70,801,521 
      diluted
    		348,278,403 341,023,566 344,224,332 345,196,568 318,234,555 309,857,129 312,626,728 307,571,602 303,839,670 295,343,466 297,204,715 293,683,331 290,929,270 281,704,041 285,641,820 281,533,888 271,677,516 159,244,611 233,309,590 70,801,521 
      gain on cash flow hedges
    		 34,000 -1,279,000 -89,000 -1,492,000 -243,000 750,000 -614,000 763,000            
      income tax benefit
    		   2,499,000         -180,000 -18,120,000 259,000   26,250 -70,000  
      comprehensive loss
    		    -87,779,000 -49,400,000 -144,095,000 -148,839,000 -181,565,000 -199,047,000 -201,383,000 -314,846,000 -278,343,000 -201,222,000 -51,370,000 -158,051,000 -310,696,000 -151,185,000 -244,330,000 -29,723,000 
      income tax (benefit) expense
    		     308,250 890,000 -700,000 1,043,000 -646,000 -836,000 -1,568,000         
      other comprehensive loss
    		                    
      net other comprehensive loss
    		        -9,782,000   7,591,000 -27,074,000        
      restructuring charges
    		         8,733,500 34,934,000          
      unrealized gain on cash flow hedges
    		         1,008,000 -257,000          
      unrealized loss on securities available for sale
    		           3,069,000 -5,528,000        
      excess return to preferred stockholders on repurchase
    		                    
      net income attributable to common stockholders
    		                 -153,208,000 -247,159,000 -31,557,000 
    The information provided in this report is taken from www.sec.gov and many other data providers. While we have conducted our best efforts to ensure that the parsed data is accurate, we cannot guarantee its accuracy. Please use caution and understand that any consequences of its use are your own responsibility.