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 
      
    		                  
      interest income
    		                  
      loans and securitizations
    		830,156,000 738,862,000 712,876,000 688,723,000 671,976,000 621,061,000 620,228,000            
      other
    		61,405,000 53,543,000 50,936,000 55,214,000 51,398,000 53,534,000 45,683,000 46,278,000 24,343,000 25,150,000 11,168,000 7,109,000 3,881,000 1,608,000 1,269,000 815,000 758,000 636,000 
      total interest income
    		891,561,000 792,405,000 763,812,000 743,937,000 723,374,000 674,595,000 665,911,000 645,237,000 564,270,000 469,996,000 371,564,000 307,408,000 198,039,000 149,512,000 118,412,000 94,783,000 93,601,000 84,108,000 
      interest expense
    		                  
      securitizations and warehouses
    		29,849,000 29,650,000 28,144,000 23,022,000 31,093,000 17,362,000 40,921,000 62,989,000 63,847,000 63,060,000 54,324,000 50,969,000 20,653,000 18,599,000 19,906,000 15,067,000 19,360,000 26,250,000 
      deposits
    		264,901,000 233,232,000 225,399,000 238,596,000 248,292,000 231,815,000 211,451,000 182,612,000 145,563,000 106,529,000 73,116,000 40,670,000 14,149,000 4,543,000 431,000    
      corporate borrowings
    		11,595,000 11,504,000 11,428,000 12,039,000 12,871,000 12,725,000 10,711,000 9,882,000 9,784,000 9,167,000 8,000,000 7,069,000 5,270,000 3,450,000 2,649,000 2,593,000 1,366,000 1,378,000 
      total interest expense
    		306,447,000 274,568,000 265,086,000 273,768,000 292,364,000 262,011,000 263,193,000 255,596,000 219,307,000 178,870,000 135,554,000 98,824,000 40,189,000 26,783,000 23,479,000 18,206,000 21,226,000 28,096,000 
      net interest income
    		585,114,000 517,837,000 498,726,000 470,169,000 431,010,000 412,584,000 402,718,000 389,641,000 344,963,000 291,126,000 236,010,000 208,584,000 157,850,000 122,729,000 94,933,000 76,577,000 72,375,000 56,012,000 
      noninterest income
    		                  
      loan origination, sales, securitizations and servicing
    		65,431,000 70,855,000                 
      technology products and solutions
    		89,707,000 90,796,000 86,437,000 88,376,000 90,896,000 85,866,000 85,672,000 87,026,000 81,856,000 82,289,000 72,801,000 81,339,000 82,035,000 81,670,000 59,857,000    
      loan platform fees
    		164,897,000 127,405,000 92,750,000 63,235,000 55,641,000              
      total noninterest income
    		376,486,000 337,107,000 273,033,000 263,956,000 266,111,000 186,034,000 242,277,000 225,763,000 192,246,000 206,892,000 236,148,000 248,095,000 266,135,000 239,798,000 235,411,000 209,031,000 199,631,000 175,262,000 
      total net revenue
    		961,600,000 854,944,000 771,759,000 734,125,000 697,121,000 598,618,000 644,995,000 615,404,000 537,209,000 498,018,000 472,158,000 456,679,000 423,985,000 362,527,000 330,344,000 285,608,000 272,006,000 231,274,000 
      yoy
    		37.94% 42.82% 19.65% 19.29% 29.77% 20.20% 36.61% 34.76% 26.70% 37.37% 42.93% 59.90% 55.87% 56.75%     
      qoq
    		12.48% 10.78% 5.13% 5.31% 16.46% -7.19% 4.81% 14.56% 7.87% 5.48% 3.39% 7.71% 16.95% 9.74% 15.66% 5.00% 17.61%  
      benefit from credit losses
    		9,199,000 10,035,000 5,678,000 6,877,000 6,013,000 11,640,000 7,182,000 12,092,000 21,831,000 12,615,000 8,407,000 14,945,000 16,323,000 10,103,000 12,961,000 4,686,000 2,401,000 486,000 
      noninterest expense
    		                  
      technology and product development
    		167,144,000 152,146,000 156,206,000 148,986,000 139,714,000 132,167,000 130,920,000 141,817,000 125,698,000 126,845,000 117,059,000 113,281,000 110,702,000 99,366,000 81,908,000 66,316,000 74,434,000 69,389,000 
      sales and marketing
    		286,878,000 264,744,000 238,176,000 229,261,000 214,904,000 184,762,000 167,366,000 174,705,000 186,719,000 182,822,000 175,154,000 173,702,000 162,129,000 143,854,000 138,138,000 129,705,000 114,985,000 94,951,000 
      cost of operations
    		161,423,000 150,437,000 135,520,000 128,155,000 123,714,000 109,703,000 100,061,000 103,947,000 98,258,000 93,885,000 83,908,000 80,615,000 83,083,000 79,091,000 70,437,000 69,195,000 69,591,000 60,624,000 
      general and administrative
    		188,405,000 165,390,000 156,397,000 160,922,000 148,921,000 145,006,000 145,240,000 131,685,000 124,457,000 131,180,000 123,689,000 113,085,000 126,199,000 125,829,000 136,505,000 125,160,000 40,461,000 171,216,000 
      total noninterest expense
    		803,850,000 732,717,000 686,299,000 642,489,000 633,266,000 583,278,000 550,769,000 564,246,000 804,137,000 547,347,000 508,217,000 495,628,000 498,436,000 458,243,000 439,949,000 395,062,000 301,872,000 396,666,000 
      income before income taxes
    		148,551,000 112,192,000 79,782,000 59,924,000 63,855,000 15,340,000 94,226,000 51,158,000 -266,928,000 -49,329,000 -36,059,000 -38,949,000 -74,451,000 -95,716,000 -109,605,000 -109,454,000 -29,866,000 -165,392,000 
      income tax expense
    		-9,159,000  -8,666,000            -752,000    
      net income
    		139,392,000 97,263,000 71,116,000 332,473,000 60,745,000 17,404,000 88,043,000 47,913,000 -266,684,000 -47,549,000 -34,422,000 -40,006,000 -74,209,000 -95,835,000 -110,357,000 -111,012,000 -30,047,000 -165,314,000 
      yoy
    		129.47% 458.85% -19.23% 593.91% -122.78% -136.60% -355.78% -219.76% 259.37% -50.38% -68.81% -63.96% 146.98% -42.03%     
      qoq
    		43.31% 36.77% -78.61% 447.33% 249.03% -80.23% 83.76% -117.97% 460.86% 38.14% -13.96% -46.09% -22.57% -13.16% -0.59% 269.46% -81.82%  
      net income margin %
    		14.50% 11.38% 9.21% 45.29% 8.71% 2.91% 13.65% 7.79% -49.64% -9.55% -7.29% -8.76% -17.50% -26.44% -33.41% -38.87% -11.05% -71.48% 
      other comprehensive income
    		                  
      unrealized gains on available-for-sale securities
    		6,183,000 1,328,000 11,462,000 -16,228,000 9,029,000 741,000 -700,000 -2,284,000 5,616,000 830,000 2,248,000        
      foreign currency translation adjustments
    		-228,000 -563,000 -269,000 -246,000 563,000 -136,000 -179,000 475,000 103,000 392,000 -293,000 204,000 325,000 -56,000 -38,000 188,000 204,000 -266,000 
      total other comprehensive income
    		5,955,000 765,000 11,193,000 -16,474,000 9,592,000 605,000 -879,000 -1,809,000 5,719,000 1,222,000 1,955,000 -2,032,250 -1,589,000   -73,000 54,000  
      comprehensive income
    		145,347,000 98,028,000 82,309,000 315,999,000 70,337,000 18,009,000 87,164,000           -165,580,000 
      earnings per share
    		                  
      earnings per share – basic
    		0.12 0.09 0.06 0.32 0.06 0.01 0.08            
      earnings per share – diluted
    		0.11 0.08 0.06 0.31 0.05 0.01 0.02            
      weighted-average common stock outstanding – basic
    		1,171,205 1,107,006 1,097,994 1,050,219 1,071,159,746 1,058,591,943 982,617,492 945,024,160 951,183,107 936,569,420 929,270,723 900,886,113 916,762,973 910,046,750 852,853,596 526,730,261 800,565,830 365,036,365 
      weighted-average common stock outstanding – diluted
    		1,291,011 1,182,877 1,185,466 1,101,390 1,104,450,416 1,065,171,357 1,042,476,501 945,024,160 951,183,107 936,569,420 929,270,723 900,886,113 916,762,973 910,046,750 852,853,596 526,730,261 800,565,830 365,036,365 
      income tax benefit
    		 -14,929,000  272,549,000 -3,110,000 2,064,000 -6,183,000 -3,245,000 244,000 1,780,000 1,637,000 -1,057,000 242,000 -119,000  -1,558,000 -181,000 78,000 
      loan origination, sales, and securitizations
    		  48,358,000 73,913,000 70,085,000 54,872,000 57,000,000            
      servicing
    		  4,447,000 -1,316,000 9,927,000 6,659,000 6,974,000 7,525,000 8,009,000 9,052,000 12,742,000 13,544,000 7,296,000 10,471,000 12,236,000 9,594,000 458,000 -224,000 
      goodwill impairment
    		        247,174,000          
      loans
    		       334,369,000 537,947,000 442,187,000 357,342,000 297,824,000 191,525,000 145,337,000 114,385,000 91,119,000 89,844,000 79,678,000 
      securitizations
    		       1,923,250 1,980,000 2,659,000 3,054,000 2,475,000 2,633,000 2,567,000 2,758,000 2,849,000 2,999,000 3,794,000 
      loan origination and sales
    		       77,814,500 81,683,000 103,064,000 126,511,000 139,588,000 163,697,000 144,414,000 157,704,000 135,415,000 142,147,000 109,719,000 
      comprehensive loss
    		       46,104,000 -260,965,000 -46,327,000 -32,467,000 -38,702,000 -75,798,000 -97,882,000 -114,850,000 -112,025,000 -29,993,000  
      loss per share
    		                  
      loss per share – basic
    		       0.04 -0.29 -0.06 -0.05 -0.05 -0.09 -0.12 -0.14 -0.06 -0.05 -0.48 
      loss per share – diluted
    		       0.04 -0.29 -0.06 -0.05 -0.05 -0.09 -0.12 -0.14 -0.06 -0.05 -0.48 
      related party notes
    		                  
      other comprehensive loss
    		                  
      unrealized losses on available-for-sale securities
    		           1,100,000 -1,914,000 -1,991,000 -4,455,000 -1,201,000 -150,000  
      total other comprehensive loss
    		             -2,047,000 -4,493,000   -266,000 
      technology platform fees
    		               51,287,000 49,951,000 44,950,000 
    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.