| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|---|
| Cash and cash equivalents | $1.35B+33.7% | $1.01B+13.6% | $892.0M-28.9% | $1.26B-14.4% | $1.47B+449.2% | $267.1M |
| Restricted cash | $192.6M+32.1% | $145.8M-28.5% | $203.9M-31.0% | $295.6M+30.8% | $226.1M+270.2% | $61.1M |
| Securities available for sale at fair value | $871.4M-23.0% | $1.13B-3.7% | $1.17B-26.4% | $1.60B+9766.3% | $16.2M | — |
| Loans held for sale | $0-100.0% | $36K-52.6% | $76K-97.2% | $2.7M-79.5% | $13.0M+192.2% | $4.5M |
| Loans held for investment | $6.83B+25.0% | $5.46B+31.6% | $4.15B+65.8% | $2.50B+23.8% | $2.02B+95.5% | $1.03B |
| Allowance for credit losses | -$365.7M-50.5% | -$243.0M-36.3% | -$178.3M-14.7% | -$155.4M-32.0% | -$117.8M-23.8% | -$95.1M |
| Loans held for investment, net | $6.46B+23.8% | $5.22B+31.3% | $3.97B+69.2% | $2.35B+23.3% | $1.90B+102.8% | $939.2M |
| Accounts receivable, net | $3.0M+2.4% | $3.0M-63.9% | $8.2M-94.2% | $142.1M+55.1% | $91.6M+55.2% | $59.0M |
| Property, equipment and software, net | $572.6M+33.9% | $427.7M+47.4% | $290.1M+69.2% | $171.5M+174.4% | $62.5M+29.8% | $48.1M |
| Goodwill | $534.2M+0.1% | $533.4M-1.7% | $542.6M+0.6% | $539.5M+4.5% | $516.5M+41056.6% | $1.3M |
| Intangible assets | $12.9M-4.2% | $13.5M-60.8% | $34.4M-56.4% | $78.9M+16.2% | $67.9M+2621.6% | $2.5M |
| Commercial agreement assets | $57.2M-45.3% | $104.6M-41.1% | $177.7M-32.5% | $263.2M+15.8% | $227.4M | $0 |
| Other assets | $2.6M-76.0% | $10.7M-41.4% | $18.2M-93.5% | $281.6M+2.5% | $274.7M+1301.6% | $19.6M |
| Total assets | $6.66B+23.9% | $5.38B+27.9% | $4.20B-39.7% | $6.97B+43.3% | $4.87B+247.1% | $1.40B |
| Accounts payable | $2.8M+0.1% | $2.8M-2.2% | $2.9M-91.2% | $33.1M-42.7% | $57.8M+214.6% | $18.4M |
| Payable to third-party loan owners | $211.7M+32.6% | $159.6M+196.4% | $53.9M-24.6% | $71.4M+42.5% | $50.1M+100.3% | $25.0M |
| Accrued interest payable | $24.0M-0.9% | $24.2M+79.4% | $13.5M+102.7% | $6.7M+142.1% | $2.8M+47.9% | $1.9M |
| Accrued expenses and other liabilities | $2.8M-74.8% | $11.1M-37.6% | $17.8M-92.5% | $237.6M-26.6% | $323.6M+1063.5% | $27.8M |
| Convertible senior notes, net | $1.15B-14.0% | $1.34B-5.1% | $1.41B-17.1% | $1.71B | $0-100.0% | $74.2M |
| Funding debt | $1.59B-11.3% | $1.79B+8.4% | $1.66B+146.3% | $672.6M-1.2% | $680.6M-16.8% | $817.9M |
| Total liabilities | $6.46B+27.3% | $5.07B+31.5% | $3.86B-11.5% | $4.36B+90.1% | $2.29B+137.4% | $965.2M |
| Additional paid in capital | $6.14B+4.7% | $5.86B+14.0% | $5.14B+21.5% | $4.23B+22.0% | $3.47B+4213.9% | $80.4M |
| Accumulated deficit | -$3.06B+1.7% | -$3.11B-20.0% | -$2.59B-61.4% | -$1.61B-78.7% | -$898.5M-100.9% | -$447.2M |
| Accumulated other comprehensive loss | -$15.1M+30.1% | -$21.6M-39.8% | -$15.4M-115.7% | -$7.1M-205.6% | $6.8M+2342.7% | -$302K |
| Total stockholders’ equity | $3.07B+12.3% | $2.73B+7.8% | $2.53B-3.2% | $2.62B+1.7% | $2.58B+801.6% | -$367.1M |
| Total liabilities and stockholders’ equity | $11.15B+17.2% | $9.52B+16.7% | $8.16B+16.9% | $6.97B+43.3% | $4.87B+247.1% | $1.40B |
| Notes Issued By Securitization Trusts | ||||||
| Notes issued by securitization trusts | $4.83B+49.3% | $3.24B+49.5% | $2.17B+33.1% | $1.63B+38.3% | $1.18B | $0 |
| Consolidated Variable Interest Entities | ||||||
| Total net assets of consolidated VIEs | $205.7M-33.2% | $308.1M-11.3% | $347.4M | — | — | — |
| Class A common stock | ||||||
| Common stock | $1K+0.0% | $1K+0.0% | $1K+0.0% | $1K+0.0% | $1K | $0 |
| Class B common stock | ||||||
Source: SEC EDGAR XBRL. % change vs prior period shown where available.
Source: SEC EDGAR 10-K and 10-Q filings. Up to 10 years annual / 16 quarters shown.