# SEC-filing consumer lenders · 2026-09-02

26 filers read from XBRL company facts: receivables, allowance, charge-offs, delinquency where tagged, equity, non-reliance and late filings. Tier is the desk's own classification of the book.

| Ticker | Company | Sector | Tier | Status | Score | Flags | Read |
|---|---|---|---|---|---|---|---|
| CRMT | America's Car-Mart, Inc. | auto-bhph | subprime | live | 10 | Filed a non-reliance 8-K; Provision below net charge-offs for four or more quarters; Equity share of assets falling sharply year over year; Allowance covers under three quarters of the current loss burn; Net charge-off rate up year over year | https://getbookiq.com/read/co/CRMT |
| CURO | CURO Group Holdings Corp. | personal-installment | subprime | departed | 6 | Shareholders' equity is negative; Equity share of assets falling sharply year over year | https://getbookiq.com/read/co/CURO |
| ATLC | Atlanticus Holdings Corp. | card-retail | subprime | live | 4 | Equity share of assets falling sharply year over year; Allowance coverage down year over year; Equity under a tenth of assets | https://getbookiq.com/read/co/ATLC |
| PRG | PROG Holdings, Inc. | lease-to-own | subprime | live | 4 | Equity share of assets falling sharply year over year; Allowance covers under three quarters of the current loss burn | https://getbookiq.com/read/co/PRG |
| WRLD | World Acceptance Corp. | personal-installment | subprime | live | 4 | Equity share of assets falling sharply year over year; Allowance covers under three quarters of the current loss burn | https://getbookiq.com/read/co/WRLD |
| SYF | Synchrony Financial | card-bank | near-prime | live | 3 | Provision below net charge-offs for consecutive quarters; Allowance coverage down year over year | https://getbookiq.com/read/co/SYF |
| COF | Capital One Financial Corp. | card-bank | mixed | live | 2 | Provision below net charge-offs for consecutive quarters | https://getbookiq.com/read/co/COF |
| CONN | Conn's, Inc. | retail-credit | subprime | departed | 2 | Equity share of assets falling sharply year over year | https://getbookiq.com/read/co/CONN |
| HAPN | Happen Inc. (formerly LendingClub) | fintech-bank | prime | live | 2 | Provision below net charge-offs for consecutive quarters | https://getbookiq.com/read/co/HAPN |
| ALLY | Ally Financial Inc. | auto-bank | prime | live | 1 | Equity under a tenth of assets | https://getbookiq.com/read/co/ALLY |
| BFH | Bread Financial Holdings, Inc. | card-retail | near-prime | live | 1 | Allowance coverage down year over year | https://getbookiq.com/read/co/BFH |
| CPSS | Consumer Portfolio Services, Inc. | auto-indirect | subprime | live | 1 | Equity under a tenth of assets | https://getbookiq.com/read/co/CPSS |
| AFRM | Affirm Holdings, Inc. | bnpl | mixed | live | 0 |  | https://getbookiq.com/read/co/AFRM |
| CACC | Credit Acceptance Corp. | auto-indirect | subprime | live | 0 |  | https://getbookiq.com/read/co/CACC |
| CVNA | Carvana Co. | auto-retail | mixed | live | 0 |  | https://getbookiq.com/read/co/CVNA |
| ENVA | Enova International, Inc. | personal-installment | subprime | live | 0 |  | https://getbookiq.com/read/co/ENVA |
| KMX | CarMax, Inc. | auto-captive | prime | live | 0 |  | https://getbookiq.com/read/co/KMX |
| MFIN | Medallion Financial Corp. | consumer-secured | subprime | live | 0 |  | https://getbookiq.com/read/co/MFIN |
| NICK | Nicholas Financial / Old Market Capital | auto-indirect | subprime | departed | 0 |  | https://getbookiq.com/read/co/NICK |
| OMF | OneMain Holdings, Inc. | personal-installment | near-prime | live | 0 |  | https://getbookiq.com/read/co/OMF |
| OPFI | OppFi Inc. | personal-installment | subprime | live | 0 |  | https://getbookiq.com/read/co/OPFI |
| OPRT | Oportun Financial Corp. | personal-installment | near-prime | live | 0 |  | https://getbookiq.com/read/co/OPRT |
| RM | Regional Management Corp. | personal-installment | subprime | live | 0 |  | https://getbookiq.com/read/co/RM |
| SOFI | SoFi Technologies, Inc. | fintech-bank | prime | live | 0 |  | https://getbookiq.com/read/co/SOFI |
| UPBD | Upbound Group, Inc. | lease-to-own | subprime | live | 0 |  | https://getbookiq.com/read/co/UPBD |
| UPST | Upstart Holdings, Inc. | fintech-marketplace | near-prime | live | 0 |  | https://getbookiq.com/read/co/UPST |

Flag definitions: scissors (weight 3) = Allowance coverage falling while the loss rate rises; reserve_bleed (weight 2) = Provision below net charge-offs for consecutive quarters; reserve_bleed_deep (weight 3) = Provision below net charge-offs for four or more quarters; coverage_falling (weight 1) = Allowance coverage down year over year; losses_rising (weight 1) = Net charge-off rate up year over year; growth_thin (weight 2) = Book growing while reserve coverage thins; nonaccrual_rising (weight 1) = Nonaccrual share climbing; dq_rising (weight 2) = Past-due share climbing year over year; dq_vs_reserve (weight 3) = Past due rising while allowance coverage falls; reserve_thin (weight 2) = Allowance covers under three quarters of the current loss burn; equity_thin (weight 1) = Equity under a tenth of assets; equity_negative (weight 4) = Shareholders' equity is negative; equity_eroding (weight 2) = Equity share of assets falling sharply year over year; book_disposed (weight 0) = Receivables book no longer reported; nonreliance (weight 3) = Filed a non-reliance 8-K; late_filing (weight 1) = Filed a late-filing notice

Excluded: {"NAVI":"Navient tags its FFELP and private education loan balances in its own extension taxonomy. The only us-gaap balance element (NotesReceivableNet) is annual and stops in 2025, so the receivables denominator would be missing three quarters in four. Excluded until a quarterly balance element exists."}

Page: https://getbookiq.com/intel/ (Filers tab) · every row: https://getbookiq.com/intel/data/pubco.json · perimeter (who is and is not on the desk): https://getbookiq.com/text/intel/perim.md

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide