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Group Holdings Corp.","cik":"0001711291","sector":"personal-installment","tier":"subprime","status":"departed","basis":"personal-installment","model":"Was a multi-product consumer lender across installment and revolving credit.","dq_note":"Filed Chapter 11 in March 2024 and deregistered. The tape ends there.","dq":["nco_rate_implausible"],"prov":{"receivables_gross":{"tag":"NotesReceivableGross","label":"Financing Receivable, before Allowance for Credit Loss","desc":"Amount, before allowance for credit loss, of financing receivable.","n":24,"last":"2023-09-30"},"receivables_net":{"tag":"NotesReceivableNet","label":"Financing Receivable, after Allowance for Credit Loss","desc":"Amount, after allowance for credit loss, of financing receivable. Excludes financing receivable covered under loss sharing agreement.","n":24,"last":"2023-09-30"},"allowance":{"tag":"FinancingReceivableAllowanceForCreditLosses","label":"Financing Receivable, Allowance for Credit Loss","desc":"Amount of allowance for credit loss on financing receivable. Excludes allowance for financing receivable covered under loss sharing agreement.","n":28,"last":"2023-09-30"},"provision":{"tag":"ProvisionForLoanAndLeaseLosses","label":"Provision for Loan and Lease Losses","desc":"Amount of expense related to estimated loss from loan and lease transactions.","n":19,"last":"2020-03-31"},"dq_total":{"tag":"FinancingReceivableRecordedInvestmentPastDue","label":"Financing Receivable, Past Due","desc":"Amount of financing receivable past due.","n":14,"last":"2021-03-31"},"writeoffs":{"tag":"FinancingReceivableAllowanceForCreditLossesWriteOffs","label":"Financing Receivable, Allowance for Credit Loss, Writeoff","desc":"Amount of writeoff of financing receivable, charged against allowance for credit loss.","n":19,"last":"2020-03-31"},"recoveries":{"tag":"FinancingReceivableAllowanceForCreditLossesRecovery","label":"Financing Receivable, Allowance for Credit Loss, Recovery","desc":"Amount of increase in allowance for credit loss on financing receivable from recovery.","n":19,"last":"2020-03-31"},"revenue":{"tag":"Revenues","label":"Revenues","desc":"Amount of revenue recognized from goods sold, services rendered, insurance premiums, or other activities that constitute an earning process. Includes, but is not limited to, investment and interest income before deduction of interest expense when recognized as a component of revenue, and sales and trading gain (loss).","n":46,"last":"2023-09-30"},"interest_income":{"tag":"InterestAndDividendIncomeOperating","label":"Interest and Dividend Income, Operating","desc":"Represents the total of interest and dividend income, including any amortization and accretion (as applicable) of discounts and premiums, earned from (1) loans and leases whether held-for-sale or held-in-portfolio; (2) investment securities; (3) federal funds sold; (4) securities purchased under agreements to resell; (5) investments in banker's acceptances, commercial paper, or certificates of deposit; (6) dividend income; or (7) other investments not otherwise specified herein.","n":46,"last":"2023-09-30"},"assets":{"tag":"Assets","label":"Assets","desc":"Sum of the carrying amounts as of the balance sheet date of all assets that are recognized. Assets are probable future economic benefits obtained or controlled by an entity as a result of past transactions or events.","n":24,"last":"2023-09-30"},"equity":{"tag":"StockholdersEquity","label":"Stockholders' Equity Attributable to Parent","desc":"Total of all stockholders' equity (deficit) items, net of receivables from officers, directors, owners, and affiliates of the entity which are attributable to the parent. The amount of the economic entity's stockholders' equity attributable to the parent excludes the amount of stockholders' equity which is allocable to that ownership interest in subsidiary equity which is not attributable to the parent (noncontrolling interest, minority interest). This excludes temporary equity and is sometimes called permanent equity.","n":26,"last":"2023-09-30"},"debt":{"tag":"LongTermDebt","label":"Long-term Debt","desc":"Amount, after unamortized (discount) premium and debt issuance costs, of long-term debt. Includes, but not limited to, notes payable, bonds payable, debentures, mortgage loans and commercial paper. Excludes capital lease obligations.","n":23,"last":"2023-09-30"}},"events":[{"d":"2024-03-22","kind":"bankruptcy","sev":"DANGER","t":"Chapter 11 petition","s":"CURO Group Holdings filed under chapter 11 of the United States Bankruptcy Code in the Southern District of Texas, Houston Division. Verified in the filed 8-K document.","url":"https://www.sec.gov/Archives/edgar/data/1711291/000110465924038503/tm249524d1_8k.htm"},{"d":"2024-03-29","kind":"deregistration","sev":"DANGER","t":"Form 15-12G: registration terminated","s":"Certification and notice of termination of registration. Reporting obligations end here, which is why the tape stops. No periodic report follows.","url":"https://www.sec.gov/Archives/edgar/data/1711291/000110465924044878/tm249773d1_1512g.htm"}],"pct":{"alw_ratio":75,"nco_rate":null,"prov_nco":null,"yield":0,"growth_yoy":25,"leverage":null,"equity_ratio":0,"dq_total_r":null,"dq90_r":null},"insights":[["DANGER","Shareholders' equity is negative: liabilities exceed assets by 22.4% of the balance sheet, and have for 4 consecutive reported quarters. In this dataset that condition preceded the only two Chapter 11 filings on record. Threshold: equity below 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Holdings Corp.","cik":"0001464343","sector":"card-retail","tier":"subprime","status":"live","basis":"subprime","model":"Private-label credit card and retail point-of-sale finance to near-prime and subprime borrowers.","dq_note":"A card book, not auto. Revolving credit behaves differently from a fixed-term note: balances revolve, so growth and charge-off dynamics are not directly comparable to installment lenders.","dq":[],"prov":{"receivables_gross":{"tag":"NotesReceivableGross","label":"Financing Receivable, before Allowance for Credit Loss","desc":"Amount, before allowance for credit loss, of financing receivable.","n":13,"last":"2026-06-30"},"receivables_net":{"tag":"NotesReceivableNet","label":"Financing Receivable, after Allowance for Credit Loss","desc":"Amount, after allowance for credit loss, of financing receivable. Excludes financing receivable covered under loss sharing agreement.","n":14,"last":"2026-06-30"},"allowance":{"tag":"FinancingReceivableAllowanceForCreditLosses","label":"Financing Receivable, Allowance for Credit Loss","desc":"Amount of allowance for credit loss on financing receivable. Excludes allowance for financing receivable covered under loss sharing agreement.","n":63,"last":"2026-06-30"},"provision":{"tag":"ProvisionForLoanAndLeaseLosses","label":"Provision for Loan and Lease Losses","desc":"Amount of expense related to estimated loss from loan and lease transactions.","n":51,"last":"2018-06-30"},"dq90":{"tag":"FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing","label":"Financing Receivable, 90 Days or More Past Due, Still Accruing","desc":"Amount of financing receivable 90 days or more past due and still accruing.","n":54,"last":"2026-06-30"},"dq60":{"tag":"FinancingReceivableRecordedInvestment60To89DaysPastDue","label":"Financing Receivable, Recorded Investment, 60 to 89 Days Past Due (Deprecated 2015-01-31)","desc":"Financing receivables that are less than 90 days past due but more than 59 days past due.","n":17,"last":"2016-03-31"},"dq30":{"tag":"FinancingReceivableRecordedInvestment30To59DaysPastDue","label":"Financing Receivable, Recorded Investment, 30 to 59 Days Past Due (Deprecated 2015-01-31)","desc":"Financing receivables that are less than 60 days past due but more than 29 days past due.","n":17,"last":"2016-03-31"},"dq_total":{"tag":"FinancingReceivableRecordedInvestmentPastDue","label":"Financing Receivable, Past Due","desc":"Amount of financing receivable past due.","n":37,"last":"2021-03-31"},"writeoffs":{"tag":"FinancingReceivableAllowanceForCreditLossesWriteOffs","label":"Financing Receivable, Allowance for Credit Loss, Writeoff","desc":"Amount of writeoff of financing receivable, charged against allowance for credit loss.","n":82,"last":"2024-09-30"},"recoveries":{"tag":"FinancingReceivableAllowanceForCreditLossesRecovery","label":"Financing Receivable, Allowance for Credit Loss, Recovery","desc":"Amount of increase in allowance for credit loss on financing receivable from recovery.","n":82,"last":"2024-09-30"},"revenue":{"tag":"InterestAndDividendIncomeOperating","label":"Interest and Dividend Income, Operating","desc":"Represents the total of interest and dividend income, including any amortization and accretion (as applicable) of discounts and premiums, earned from (1) loans and leases whether held-for-sale or held-in-portfolio; (2) investment securities; (3) federal funds sold; (4) securities purchased under agreements to resell; (5) investments in banker's acceptances, commercial paper, or certificates of deposit; (6) dividend income; or (7) other investments not otherwise specified herein.","n":99,"last":"2026-06-30"},"interest_income":{"tag":"InterestAndFeeIncomeLoansConsumer","label":"Interest and Fee Income, Loans, Consumer","desc":"Interest and fee income generated from consumer loans. Consumer loans are loans to individuals for household, family, and other personal expenditures. Such loans include residential mortgages, home equity lines-of-credit, automobiles and marine transport loans, credit card transactions, and others.","n":99,"last":"2026-06-30"},"assets":{"tag":"Assets","label":"Assets","desc":"Sum of the carrying amounts as of the balance sheet date of all assets that are recognized. Assets are probable future economic benefits obtained or controlled by an entity as a result of past transactions or events.","n":62,"last":"2026-06-30"},"equity":{"tag":"StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest","label":"Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest","desc":"Amount of stockholders' equity (deficit), net of receivables from officers, directors, owners, and affiliates of the entity, attributable to both the parent and noncontrolling interests. Amount excludes temporary equity. Alternate caption for the concept is permanent equity.","n":63,"last":"2026-06-30"},"debt":{"tag":"SecuredDebt","label":"Secured Debt","desc":"Carrying value as of the balance sheet date, including the current and noncurrent portions, of collateralized debt obligations (with maturities initially due after one year or beyond the operating cycle, if longer). Such obligations include mortgage loans, chattel loans, and any other borrowings secured by assets of the borrower.","n":40,"last":"2026-06-30"}},"events":[],"pct":{"alw_ratio":0,"nco_rate":null,"prov_nco":null,"yield":75,"growth_yoy":20,"leverage":0,"equity_ratio":10,"dq_total_r":null,"dq90_r":50},"insights":[["HIGH","Equity fell to 9.3% of assets from 15.4% a year earlier, a 6.0 point erosion of the cushion under the book. 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Includes, but not limited to, notes payable, bonds payable, debentures, mortgage loans and commercial paper. Excludes capital lease obligations.","n":8,"last":"2026-06-30"}},"events":[],"pct":{"alw_ratio":null,"nco_rate":null,"prov_nco":25,"yield":null,"growth_yoy":null,"leverage":12,"equity_ratio":80,"dq_total_r":null,"dq90_r":null},"insights":[["HIGH","The allowance covers 1.3 quarters of losses at the current burn ($18.6M against $14.7M a quarter). Threshold: three quarters."],["HIGH","Equity fell to 39.3% of assets from 46.0% a year earlier, a 6.7 point erosion of the cushion under the book. Threshold: 4 points."]],"read_q":null,"flags":["equity_eroding","reserve_thin"],"score":4,"hist":[["2018-12-31",null,null,null,null,12970000,null,null,null,null,null,null,null,null,1760708000,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0],["2019-06-30",null,null,null,null,12783000,null,null,null,null,524944000,null,null,null,1849558000,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0],["2019-09-30",null,null,null,null,14054000,6068000,5423000,626000,4797000,537536000,null,null,null,1867655000,null,null,null,null,1.26,null,null,null,2.9,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2],["2019-12-31",null,null,null,null,14911000,6376000,6139000,620000,5519000,-780873000,null,2284000,3297800000,1737259000,null,null,null,null,1.16,null,52.68,null,2.7,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2],["2020-03-31",null,null,null,null,31594000,12722000,6201000,699000,5502000,668442000,9908000,null,null,1446614000,null,null,null,null,2.31,null,null,null,5.7,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0],["2020-06-30",null,null,null,null,30693000,3428000,5132000,803000,4329000,599163000,null,null,null,1521199000,null,null,null,null,0.79,null,null,null,7.1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0],["2020-09-30",null,null,null,null,35415000,7611000,3782000,893000,2889000,611338000,null,1641000,2884932000,1638682000,null,null,null,null,2.63,null,56.8,null,12.3,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0],["2020-12-31",null,null,null,null,42127000,10277000,4389000,824000,3565000,605652000,null,1962000,1317404000,986136000,50000000,null,null,null,2.88,null,74.85,0.05,11.8,null,null,null,null,null,22.17,null,null,0,null,null,null,null,null,null,null,0],["2021-03-31",null,null,null,null,44656000,6468000,4883000,944000,3939000,721001000,13019000,2327000,1398798000,1036956000,null,null,null,null,1.64,null,74.13,null,11.3,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0],["2021-06-30",null,null,null,null,45151000,4388000,4766000,873000,3893000,659971000,null,1965000,1425920000,1063335000,null,null,null,null,1.13,null,74.57,null,11.6,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0],["2021-09-30",null,null,null,null,44650000,3868000,5382000,1013000,4369000,650405000,null,2819000,1454258000,1076456000,null,null,null,null,0.89,null,74.02,null,10.2,null,null,null,null,null,17.22,null,null,null,null,null,null,null,null,null,null,0],["2021-12-31",null,null,null,null,40789000,2944000,7850000,1045000,6805000,646543000,null,3527000,1621761000,679408000,589654000,null,null,null,0.43,null,41.89,0.87,6.0,null,null,null,null,null,-32.96,null,null,0,null,null,null,null,null,null,null,4],["2022-03-31",null,null,null,null,40279000,7682000,9388000,1196000,8192000,710464000,null,3407000,1572721000,632534000,null,null,null,null,0.94,null,40.22,null,4.9,null,null,null,null,null,-33.91,null,null,0,null,null,null,null,null,null,null,4],["2022-06-30",null,null,null,null,40797000,8778000,9286000,1026000,8260000,649444000,null,3567000,1478390000,556771000,null,null,null,null,1.06,null,37.66,null,4.9,null,null,null,null,null,-36.91,null,null,0,null,null,null,null,null,null,null,2],["2022-09-30",null,null,null,null,42302000,12031000,11612000,1086000,10526000,625821000,null,5004000,1491491000,566464000,null,null,null,null,1.14,null,37.98,null,4.0,null,null,null,null,null,-36.04,null,null,0,null,null,null,null,null,null,null,2],["2022-12-31",null,null,null,null,42428000,12741000,13693000,1078000,12615000,612097000,null,4436000,1491909000,570461000,590966000,null,null,null,1.01,null,38.24,1.04,3.4,null,null,null,null,null,-3.65,null,null,0,null,null,null,null,null,null,null,0],["2023-03-31",null,null,null,null,39781000,8714000,12737000,1376000,11361000,655140000,null,4269000,1509586000,584792000,null,null,null,null,0.77,null,38.74,null,3.5,null,null,null,null,null,-1.48,null,null,0,null,null,null,null,null,null,null,0],["2023-06-30",null,null,null,null,38946000,8791000,10883000,1257000,9626000,592846000,null,3834000,1483057000,593649000,null,null,null,null,0.91,null,40.03,null,4.0,null,null,null,null,null,2.37,null,null,0,null,null,null,null,null,null,null,2],["2023-09-30",null,null,null,null,40189000,10521000,10968000,1690000,9278000,582877000,null,4633000,1489157000,598137000,null,null,null,null,1.13,null,40.17,null,4.3,null,null,null,null,null,2.19,null,null,0,null,null,null,null,null,null,null,0],["2023-12-31",null,null,null,null,2828000,-23366000,13618000,1318000,12300000,508489000,null,4482000,1491255000,591331000,592265000,null,null,null,-1.9,null,39.65,1.0,0.2,null,null,null,null,null,1.41,null,null,0,null,null,null,null,null,null,null,2],["2024-03-31",null,null,null,null,38997000,11049000,14423000,1751000,12672000,641870000,null,4359000,1461666000,585090000,null,null,null,null,0.87,null,40.03,null,3.1,null,null,null,null,null,1.29,null,null,0,null,null,null,null,null,null,null,2],["2024-06-30",null,null,null,null,40242000,12035000,12755000,1965000,10790000,592161000,null,5002000,1460707000,581853000,null,null,null,null,1.12,null,39.83,null,3.7,null,null,null,null,null,-0.2,null,null,0,null,null,null,null,null,null,null,0],["2024-09-30",null,null,null,null,43241000,15133000,13992000,1858000,12134000,606145000,null,4462000,1446340000,630807000,null,null,null,null,1.25,null,43.61,null,3.6,null,null,null,null,null,3.44,null,null,0,null,null,null,null,null,null,null,0],["2024-12-31",null,null,null,null,9228000,-19578000,-27518000,-4161000,null,558905000,null,4793000,1513767000,650281000,643563000,null,null,null,null,null,42.96,0.99,null,null,null,null,null,null,3.31,null,null,0,null,null,null,null,null,null,null,0],["2025-03-31",null,null,null,null,9429000,5501000,6047000,747000,5300000,668428000,null,4044000,1469913000,654448000,null,null,null,null,1.04,null,44.52,null,1.8,null,null,null,null,null,4.49,null,null,0,null,null,null,null,null,null,null,2],["2025-06-30",null,null,null,null,9849000,8043000,8726000,1103000,7623000,588503000,null,3364000,1454596000,668673000,null,null,null,null,1.06,null,45.97,null,1.3,null,null,null,null,null,6.14,null,null,0,null,null,null,null,null,null,null,2],["2025-09-30",null,null,null,null,51468000,38878000,42198000,6384000,35814000,626928000,null,4079000,1546601000,703557000,null,null,null,null,1.09,null,45.49,null,1.4,null,null,null,null,null,1.88,null,null,0,null,null,null,null,null,null,null,2],["2025-12-31",null,null,null,null,17318000,-12083000,-19276000,-2788000,null,525364000,null,null,1610408000,746417000,594861000,null,null,null,null,null,46.35,0.8,null,null,null,null,null,null,3.39,null,null,0,null,null,null,null,null,null,null,0],["2026-03-31",null,null,null,null,17594000,11206000,13665000,2735000,10930000,742674000,null,null,2042512000,774355000,936122000,null,null,null,1.03,null,37.91,1.21,1.6,null,null,null,null,null,-6.61,null,null,0,null,null,null,null,null,null,null,4],["2026-06-30",null,null,null,null,18649000,15719000,17521000,2857000,14664000,719715000,null,null,2048066000,805340000,887064000,null,null,null,1.07,null,39.32,1.1,1.3,null,null,null,null,null,-6.65,null,null,0,null,null,null,null,null,null,null,4]],"flagHist":[["2019-09-30",["reserve_thin"]],["2019-12-31",["reserve_thin"]],["2021-12-31",["equity_eroding","reserve_bleed"]],["2022-03-31",["equity_eroding","reserve_bleed"]],["2022-06-30",["equity_eroding"]],["2022-09-30",["equity_eroding"]],["2023-06-30",["reserve_bleed"]],["2023-12-31",["reserve_thin"]],["2024-03-31",["reserve_bleed"]],["2025-03-31",["reserve_thin"]],["2025-06-30",["reserve_thin"]],["2025-09-30",["reserve_thin"]],["2026-03-31",["equity_eroding","reserve_thin"]],["2026-06-30",["equity_eroding","reserve_thin"]]]},{"tk":"WRLD","nm":"World Acceptance Corp.","cik":"0000108385","sector":"personal-installment","tier":"subprime","status":"live","basis":"personal-installment","model":"Small-loan consumer installment lender operating as World Finance.","dq_note":"Not auto. Included as the cleanest public read on the deep-subprime household's cash position, which is what ultimately pays a car note.","dq":[],"prov":{"receivables_gross":{"tag":"NotesReceivableGross","label":"Financing Receivable, before Allowance for Credit Loss","desc":"Amount, before allowance for credit loss, of financing receivable.","n":25,"last":"2026-06-30"},"receivables_net":{"tag":"NotesReceivableNet","label":"Financing Receivable, after Allowance for Credit Loss","desc":"Amount, after allowance for credit loss, of financing receivable. Excludes financing receivable covered under loss sharing agreement.","n":25,"last":"2026-06-30"},"allowance":{"tag":"FinancingReceivableAllowanceForCreditLosses","label":"Financing Receivable, Allowance for Credit Loss","desc":"Amount of allowance for credit loss on financing receivable. Excludes allowance for financing receivable covered under loss sharing agreement.","n":30,"last":"2026-06-30"},"provision":{"tag":"ProvisionForLoanLossesExpensed","label":"Financing Receivable, Credit Loss, Expense (Reversal)","desc":"Amount of credit loss expense (reversal of expense) for financing receivable.","n":50,"last":"2026-06-30"},"dq_total":{"tag":"FinancingReceivableRecordedInvestmentPastDue","label":"Financing Receivable, Past Due","desc":"Amount of financing receivable past due.","n":19,"last":"2020-03-31"},"writeoffs":{"tag":"FinancingReceivableAllowanceForCreditLossesWriteOffs","label":"Financing Receivable, Allowance for Credit Loss, Writeoff","desc":"Amount of writeoff of financing receivable, charged against allowance for credit loss.","n":41,"last":"2026-06-30"},"recoveries":{"tag":"FinancingReceivableAllowanceForCreditLossesRecovery","label":"Financing Receivable, Allowance for Credit Loss, Recovery","desc":"Amount of increase in allowance for credit loss on financing receivable from recovery.","n":41,"last":"2026-06-30"},"nonaccrual":{"tag":"FinancingReceivableRecordedInvestmentNonaccrualStatus","label":"Financing Receivable, Nonaccrual","desc":"Amount of financing receivable on nonaccrual status.","n":26,"last":"2026-06-30"},"revenue":{"tag":"Revenues","label":"Revenues","desc":"Amount of revenue recognized from goods sold, services rendered, insurance premiums, or other activities that constitute an earning process. Includes, but is not limited to, investment and interest income before deduction of interest expense when recognized as a component of revenue, and sales and trading gain (loss).","n":114,"last":"2026-06-30"},"interest_income":{"tag":"InterestAndFeeIncomeLoansConsumer","label":"Interest and Fee Income, Loans, Consumer","desc":"Interest and fee income generated from consumer loans. Consumer loans are loans to individuals for household, family, and other personal expenditures. Such loans include residential mortgages, home equity lines-of-credit, automobiles and marine transport loans, credit card transactions, and others.","n":98,"last":"2026-06-30"},"assets":{"tag":"Assets","label":"Assets","desc":"Sum of the carrying amounts as of the balance sheet date of all assets that are recognized. Assets are probable future economic benefits obtained or controlled by an entity as a result of past transactions or events.","n":62,"last":"2026-06-30"},"equity":{"tag":"StockholdersEquity","label":"Stockholders' Equity Attributable to Parent","desc":"Total of all stockholders' equity (deficit) items, net of receivables from officers, directors, owners, and affiliates of the entity which are attributable to the parent. The amount of the economic entity's stockholders' equity attributable to the parent excludes the amount of stockholders' equity which is allocable to that ownership interest in subsidiary equity which is not attributable to the parent (noncontrolling interest, minority interest). This excludes temporary equity and is sometimes called permanent equity.","n":64,"last":"2026-06-30"},"debt":{"tag":"LongTermDebt","label":"Long-term Debt","desc":"Amount, after unamortized (discount) premium and debt issuance costs, of long-term debt. Includes, but not limited to, notes payable, bonds payable, debentures, mortgage loans and commercial paper. Excludes capital lease obligations.","n":28,"last":"2026-06-30"}},"events":[],"pct":{"alw_ratio":0,"nco_rate":50,"prov_nco":0,"yield":50,"growth_yoy":0,"leverage":25,"equity_ratio":60,"dq_total_r":null,"dq90_r":null},"insights":[["HIGH","The allowance covers 2.6 quarters of losses at the current burn ($112.5M against $43.3M a quarter). Threshold: three quarters."],["HIGH","Equity fell to 33.6% of assets from 41.6% a year earlier, a 8.0 point erosion of the cushion under the book. 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Write-off and recovery elements start in 2021; before that the allowance is tagged but the loss flow is not. No total revenue element exists, so revenue here is interest and fees on loans, the same convention OneMain is shown on.","dq":[],"prov":{"receivables_gross":{"tag":"NotesReceivableGross","label":"Financing Receivable, before Allowance for Credit Loss","desc":"Amount, before allowance for credit loss, of financing receivable.","n":22,"last":"2026-06-30"},"receivables_net":{"tag":"NotesReceivableNet","label":"Financing Receivable, after Allowance for Credit Loss","desc":"Amount, after allowance for credit loss, of financing receivable. Excludes financing receivable covered under loss sharing agreement.","n":22,"last":"2026-06-30"},"allowance":{"tag":"FinancingReceivableAllowanceForCreditLosses","label":"Financing Receivable, Allowance for Credit Loss","desc":"Amount of allowance for credit loss on financing receivable. 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Assets are probable future economic benefits obtained or controlled by an entity as a result of past transactions or events.","n":50,"last":"2026-06-30"},"equity":{"tag":"StockholdersEquity","label":"Stockholders' Equity Attributable to Parent","desc":"Total of all stockholders' equity (deficit) items, net of receivables from officers, directors, owners, and affiliates of the entity which are attributable to the parent. The amount of the economic entity's stockholders' equity attributable to the parent excludes the amount of stockholders' equity which is allocable to that ownership interest in subsidiary equity which is not attributable to the parent (noncontrolling interest, minority interest). This excludes temporary equity and is sometimes called permanent equity.","n":55,"last":"2026-06-30"},"debt":{"tag":"LongTermDebt","label":"Long-term Debt","desc":"Amount, after unamortized (discount) premium and debt issuance costs, of long-term debt. 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One Financial Corp.","cik":"0000927628","sector":"card-bank","tier":"mixed","status":"live","basis":"ALL","model":"Bank holding company with a large credit card book and a prime and near-prime indirect auto book.","dq_note":"Total loans held for investment: card, consumer banking (mostly auto) and commercial are blended, so every ratio here is a bank-wide read, not an auto read. Capital One tags gross charge-offs from 2023 but no recovery element on the same basis, so the loss rate shown is GROSS charge-offs over average loans, which runs above its reported net charge-off rate. Deposit funded.","dq":[],"prov":{"receivables_gross":{"tag":"NotesReceivableGross","label":"Financing Receivable, before Allowance for Credit Loss","desc":"Amount, before allowance for credit loss, of financing receivable.","n":28,"last":"2026-03-31"},"receivables_net":{"tag":"NotesReceivableNet","label":"Financing Receivable, after Allowance for Credit Loss","desc":"Amount, after allowance for credit loss, of financing receivable. Excludes financing receivable covered under loss sharing agreement.","n":24,"last":"2026-03-31"},"allowance":{"tag":"FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest","label":null,"desc":null,"n":20,"last":"2026-03-31"},"provision":{"tag":"ProvisionForLoanLossesExpensed","label":"Financing Receivable, Credit Loss, Expense (Reversal)","desc":"Amount of credit loss expense (reversal of expense) for financing receivable.","n":43,"last":"2026-03-31"},"dq90":{"tag":"FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing","label":"Financing Receivable, 90 Days or More Past Due, Still Accruing","desc":"Amount of financing receivable 90 days or more past due and still accruing.","n":48,"last":"2026-03-31"},"dq_total":{"tag":"FinancingReceivableRecordedInvestmentPastDue","label":"Financing Receivable, Past Due","desc":"Amount of financing receivable past due.","n":29,"last":"2021-06-30"},"writeoffs":{"tag":"FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff","label":null,"desc":null,"n":13,"last":"2026-03-31"},"nonaccrual":{"tag":"FinancingReceivableRecordedInvestmentNonaccrualStatus","label":"Financing Receivable, Nonaccrual","desc":"Amount of financing receivable on nonaccrual status.","n":48,"last":"2026-03-31"},"revenue":{"tag":"Revenues","label":"Revenues","desc":"Amount of revenue recognized from goods sold, services rendered, insurance premiums, or other activities that constitute an earning process. Includes, but is not limited to, investment and interest income before deduction of interest expense when recognized as a component of revenue, and sales and trading gain (loss).","n":88,"last":"2026-03-31"},"interest_income":{"tag":"InterestAndFeeIncomeLoansAndLeases","label":"Interest and Fee Income, Loans and Leases","desc":"The aggregate interest and fee income generated by: (1) loans the Entity has positive intent and ability to hold for the foreseeable future, or until maturity or payoff, including commercial and consumer loans, whether domestic or foreign, which may consist of: (a) industrial and agricultural; (b) real estate; and (c) real estate construction loans; (d) trade financing; (e) lease financing; (f) home equity lines-of-credit; (g) automobile and other vehicle loans; and (h) credit card and other revolving-type loans and (2) loans and leases held-for-sale which may include mortgage loans, direct financing, and sales-type leases.","n":83,"last":"2026-03-31"},"assets":{"tag":"Assets","label":"Assets","desc":"Sum of the carrying amounts as of the balance sheet date of all assets that are recognized. Assets are probable future economic benefits obtained or controlled by an entity as a result of past transactions or events.","n":69,"last":"2026-03-31"},"equity":{"tag":"StockholdersEquity","label":"Stockholders' Equity Attributable to Parent","desc":"Total of all stockholders' equity (deficit) items, net of receivables from officers, directors, owners, and affiliates of the entity which are attributable to the parent. The amount of the economic entity's stockholders' equity attributable to the parent excludes the amount of stockholders' equity which is allocable to that ownership interest in subsidiary equity which is not attributable to the parent (noncontrolling interest, minority interest). This excludes temporary equity and is sometimes called permanent equity.","n":74,"last":"2026-03-31"},"debt":{"tag":"LongTermDebtAndCapitalLeaseObligations","label":"Long-term Debt and Lease Obligation","desc":"Amount of long-term debt and lease obligation, classified as noncurrent.","n":44,"last":"2026-03-31"}},"events":[],"pct":{"alw_ratio":25,"nco_rate":22,"prov_nco":9,"yield":10,"growth_yoy":92,"leverage":12,"equity_ratio":43,"dq_total_r":null,"dq90_r":40},"insights":[["HIGH","Reserve bleed: provision has run below net charge-offs for 3 consecutive quarters (latest 2026-03-31, provision $4.07B against $5.45B of net charge-offs). The allowance is absorbing losses it is not being refilled for. Threshold: two consecutive 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Inc.","cik":"0001223389","sector":"retail-credit","tier":"subprime","status":"departed","basis":"subprime","model":"Was a specialty retailer of furniture and appliances that financed its own customers, the closest non-auto analogue to the BHPH model.","dq_note":"Filed Chapter 11 in July 2024. The in-house credit segment is what makes it a useful case: a retailer whose real business was the receivable.","dq":["nco_negative"],"prov":{"receivables_gross":{"tag":"AccountsReceivableGross","label":"Accounts Receivable, before Allowance for Credit Loss","desc":"Amount, before allowance for credit loss, of right to consideration from customer for product sold and service rendered in normal course of business.","n":48,"last":"2024-01-31"},"receivables_net":{"tag":"AccountsReceivableNetCurrent","label":"Accounts Receivable, after Allowance for Credit Loss, Current","desc":"Amount, after allowance for credit loss, of right to consideration from customer for product sold and service rendered in normal course of business, classified as current.","n":53,"last":"2024-01-31"},"allowance":{"tag":"AllowanceForDoubtfulAccountsReceivable","label":"Accounts Receivable, Allowance for Credit Loss","desc":"Amount of allowance for credit loss on accounts receivable.","n":52,"last":"2024-01-31"},"provision":{"tag":"ProvisionForDoubtfulAccounts","label":"Accounts Receivable, Credit Loss Expense (Reversal)","desc":"Amount of expense (reversal of expense) for expected credit loss on accounts receivable.","n":84,"last":"2024-01-31"},"dq90":{"tag":"FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing","label":"Financing Receivable, 90 Days or More Past Due, Still Accruing","desc":"Amount of financing receivable 90 days or more past due and still accruing.","n":48,"last":"2024-01-31"},"dq_total":{"tag":"FinancingReceivableRecordedInvestmentPastDue","label":"Financing Receivable, Past Due","desc":"Amount of financing receivable past due.","n":24,"last":"2020-10-31"},"writeoffs":{"tag":"FinancingReceivableAllowanceForCreditLossesWriteOffs","label":"Financing Receivable, Allowance for Credit Loss, Writeoff","desc":"Amount of writeoff of financing receivable, charged against allowance for credit loss.","n":6,"last":"2024-01-31"},"recoveries":{"tag":"AllowanceForDoubtfulAccountsReceivableRecoveries","label":"Accounts Receivable, Allowance for Credit Loss, Recovery","desc":"Amount of increase in allowance for credit loss on accounts receivable, from recovery.","n":51,"last":"2024-01-31"},"nonaccrual":{"tag":"FinancingReceivableRecordedInvestmentNonaccrualStatus","label":"Financing Receivable, Nonaccrual","desc":"Amount of financing receivable on nonaccrual status.","n":48,"last":"2024-01-31"},"revenue":{"tag":"Revenues","label":"Revenues","desc":"Amount of revenue recognized from goods sold, services rendered, insurance premiums, or other activities that constitute an earning process. Includes, but is not limited to, investment and interest income before deduction of interest expense when recognized as a component of revenue, and sales and trading gain (loss).","n":94,"last":"2024-01-31"},"interest_income":{"tag":"InterestAndFeeIncomeLoansConsumer","label":"Interest and Fee Income, Loans, Consumer","desc":"Interest and fee income generated from consumer loans. Consumer loans are loans to individuals for household, family, and other personal expenditures. Such loans include residential mortgages, home equity lines-of-credit, automobiles and marine transport loans, credit card transactions, and others.","n":37,"last":"2020-04-30"},"assets":{"tag":"Assets","label":"Assets","desc":"Sum of the carrying amounts as of the balance sheet date of all assets that are recognized. Assets are probable future economic benefits obtained or controlled by an entity as a result of past transactions or events.","n":52,"last":"2024-01-31"},"equity":{"tag":"StockholdersEquity","label":"Stockholders' Equity Attributable to Parent","desc":"Total of all stockholders' equity (deficit) items, net of receivables from officers, directors, owners, and affiliates of the entity which are attributable to the parent. The amount of the economic entity's stockholders' equity attributable to the parent excludes the amount of stockholders' equity which is allocable to that ownership interest in subsidiary equity which is not attributable to the parent (noncontrolling interest, minority interest). This excludes temporary equity and is sometimes called permanent equity.","n":56,"last":"2024-01-31"},"debt":{"tag":"LongTermDebt","label":"Long-term Debt","desc":"Amount, after unamortized (discount) premium and debt issuance costs, of long-term debt. Includes, but not limited to, notes payable, bonds payable, debentures, mortgage loans and commercial paper. Excludes capital lease obligations.","n":36,"last":"2024-01-31"}},"events":[{"d":"2024-07-23","kind":"bankruptcy","sev":"DANGER","t":"Chapter 11 petition","s":"Conn's, Inc. and certain subsidiaries filed voluntary petitions under chapter 11 of the United States Bankruptcy Code in the Southern District of Texas. Verified in the filed 8-K (Item 1.03, Bankruptcy or Receivership), filed 2024-07-25.","url":"https://www.sec.gov/Archives/edgar/data/1223389/000119312524184837/d855036d8k.htm"},{"d":"2024-06-11","kind":"late_filing","sev":"HIGH","t":"NT 10-Q: quarterly report late","s":"Conn's notified the SEC it could not timely file its quarterly report. Six weeks later it filed for Chapter 11. A late-filing notice is the cheapest early warning in the whole dataset.","url":null},{"d":"2024-09-06","kind":"delisting","sev":"DANGER","t":"Exchange delisting (Form 25-NSE)","s":"Delisting notice filed. No 10-K or 10-Q follows it, which is the test this build uses to separate a genuine registrant exit from a single-class delisting.","url":null},{"d":"2020-04-14","kind":"nonreliance","sev":"DANGER","t":"Non-reliance 8-K (Item 4.02)","s":"Previously issued financial statements were identified as no longer reliable. Verified by reading the filed document, four years before the Chapter 11.","url":null}],"pct":{"alw_ratio":0,"nco_rate":null,"prov_nco":null,"yield":null,"growth_yoy":0,"leverage":0,"equity_ratio":0,"dq_total_r":null,"dq90_r":0},"insights":[["DANGER","Past-due receivables rose 2.88 points year over year to 7.87% of the book while allowance coverage fell 1.04 points to 17.24%. Past due rising into a shrinking reserve is the clearest deterioration signature this engine looks for. Threshold: 0.50 points."],["HIGH","Equity fell to 31.9% of assets from 37.6% a year earlier, a 5.7 point erosion of the cushion under the book. Threshold: 4 points."]],"read_q":"2022-07-31","flags":["equity_eroding"],"score":2,"hist":[["2015-01-31",1365807000,643094000,null,1365807000,146982000,58577000,null,424000,null,426748000,60205000,13700000,1645804000,653670000,779045000,10.76,null,17.63,null,1.0,39.72,1.19,null,null,null,null,null,null,null,null,null,97100000,316000000,null,null,7.11,23.14,null,null,0],["2015-04-30",1382242000,653141000,null,1382242000,153389000,47543000,null,1147000,null,365076000,55419000,15400000,1612672000,669977000,null,11.1,null,16.13,null,1.11,41.54,null,null,null,null,null,null,null,null,null,null,84500000,null,null,null,6.11,null,null,null,0],["2015-07-31",1451937000,685933000,null,1451937000,164330000,51646000,null,1109000,null,396050000,57383000,16300000,1752072000,688621000,null,11.32,null,16.2,null,1.12,39.3,null,null,null,null,null,null,null,null,null,null,93600000,null,null,null,6.45,null,null,null,0],["2015-10-31",1501674000,706934000,null,1501674000,180533000,58208000,null,1133000,null,395233000,58961000,23600000,2088843000,635208000,null,12.02,null,15.97,null,1.57,30.41,null,null,null,null,null,null,null,null,null,null,107900000,null,null,null,7.19,null,null,null,0],["2016-01-31",1587856000,743931000,null,1587856000,190990000,64780000,null,1031000,null,456819000,66398000,20600000,2025300000,538281000,1273490000,12.03,null,17.19,null,1.3,26.58,2.37,null,16.3,1.27,null,0.3,-0.44,-13.14,null,null,115100000,387300000,null,null,7.25,24.39,0.14,1.25,4],["2016-04-30",1537488000,727079000,null,1537488000,195129000,58218000,null,1936000,null,389113000,60621000,21900000,1996825000,530215000,null,12.69,null,15.52,null,1.42,26.55,null,null,11.2,1.59,null,0.31,-0.61,-14.99,null,null,98700000,350100000,null,null,6.42,22.77,0.31,null,2],["2016-07-31",1544339000,733718000,null,1544339000,201176000,60196000,null,1307000,null,398157000,54502000,24400000,1997178000,519640000,null,13.03,null,14.15,null,1.58,26.02,null,null,6.4,1.71,null,0.46,-2.05,-13.28,null,null,104700000,381300000,null,null,6.78,24.69,0.33,null,2],["2016-10-31",1534215000,688011000,null,1534215000,204330000,51564000,null,1383000,null,376773000,58404000,26200000,2080634000,516693000,null,13.32,null,15.18,null,1.71,24.83,null,null,2.2,1.3,null,0.14,-0.79,-5.58,null,null,121600000,397900000,null,null,7.93,25.94,0.74,null,4],["2017-01-31",1556439000,702162000,null,1556439000,210175000,72316000,null,1150000,null,432805000,64859000,22900000,1941134000,517790000,1156791000,13.5,null,16.79,null,1.47,26.67,2.23,null,-2.0,1.47,null,0.17,-0.4,0.09,null,null,124000000,406100000,null,null,7.97,26.09,0.72,1.7,2],["2017-04-30",1480900000,652046000,null,1480900000,207061000,55930000,null,2236000,null,355826000,67131000,22300000,2010606000,517048000,null,13.98,null,17.68,null,1.51,25.72,null,null,-3.7,1.29,null,0.09,2.16,-0.83,null,null,108100000,387200000,null,null,7.3,26.15,0.88,3.38,2],["2017-07-31",1479532000,644148000,null,1479532000,202655000,49449000,null,2300000,null,366647000,69490000,49200000,1875063000,525277000,null,13.7,null,18.78,null,3.33,28.01,null,null,-4.2,0.67,null,1.75,4.63,1.99,null,null,84900000,391500000,null,null,5.74,26.46,-1.04,1.77,3],["2017-10-31",1488906000,635700000,null,1488906000,202906000,56512000,null,2761000,null,373172000,74144000,21400000,1874389000,529391000,null,13.63,null,19.98,null,1.44,28.24,null,null,-3.0,0.31,null,-0.27,4.8,3.41,null,null,105200000,394500000,null,null,7.07,26.5,-0.86,0.56,2],["2018-01-31",1527862000,636825000,null,1527862000,203572000,54984000,null,3590000,null,420386000,78240000,13900000,1900799000,535068000,1097476000,13.32,null,20.75,null,0.91,28.15,2.05,null,-1.8,-0.18,null,-0.56,3.96,1.48,null,null,106500000,390000000,null,null,6.97,25.53,-1.0,-0.56,0],["2018-04-30",1494493000,618160000,null,1494493000,204100000,44156000,null,5469000,null,358387000,76346000,15800000,1784749000,549655000,582919000,13.66,null,20.21,null,1.06,30.8,1.06,null,0.9,-0.32,null,-0.45,2.53,5.08,null,null,111100000,383800000,null,null,7.43,25.68,0.13,-0.47,1],["2018-07-31",1508361000,622009000,null,1508361000,203609000,50751000,null,4826000,null,384620000,80435000,17400000,1796501000,569648000,431475000,13.5,null,21.43,null,1.15,31.71,0.76,null,1.9,-0.2,null,-2.18,2.65,3.7,null,null,96700000,400300000,null,null,6.41,26.54,0.67,0.08,0],["2018-10-31",1526506000,630396000,null,1526506000,207097000,47548000,null,3994000,null,373824000,82964000,15600000,1841012000,587034000,615333000,13.57,null,21.87,null,1.02,31.89,1.05,null,2.5,-0.06,null,-0.42,1.89,3.65,null,null,110600000,418400000,null,null,7.25,27.41,0.18,0.91,2],["2019-01-31",1589828000,652769000,null,1589828000,214879000,55627000,null,4507000,null,432982000,85391000,13900000,1884907000,619975000,null,13.52,null,21.92,null,0.87,32.89,null,null,4.1,0.2,null,-0.04,1.17,4.74,null,null,106500000,420900000,null,null,6.7,26.47,-0.27,0.94,2],["2019-04-30",1534692000,642385000,null,1534692000,206527000,40046000,null,6471000,null,353512000,84017000,13500000,2090284000,647819000,721983000,13.46,null,21.51,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Inc. (formerly LendingClub)","cik":"0001409970","sector":"fintech-bank","tier":"prime","status":"live","basis":"prime","model":"Digital marketplace bank, formerly LendingClub, renamed Happen Inc. in June 2026. Originates prime personal loans, holds part of them, and sells the rest.","dq_note":"The tagged book is loans held for investment at amortized cost. The larger held-for-sale and fair-value slice sits outside it. LendingClub's recovery element stopped in 2023, so net charge-offs here come straight from the filer's net write-off element rather than from gross write-offs less recoveries. Interest income is tagged for the whole balance sheet, so no yield is shown against the held-for-investment book. Deposit funded; no debt element resolves.","dq":[],"prov":{"receivables_gross":{"tag":"FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss","label":null,"desc":null,"n":22,"last":"2026-06-30"},"receivables_net":{"tag":"FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss","label":null,"desc":null,"n":22,"last":"2026-06-30"},"allowance":{"tag":"FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest","label":null,"desc":null,"n":23,"last":"2026-06-30"},"provision":{"tag":"ProvisionForLoanLossesExpensed","label":"Financing Receivable, Credit Loss, Expense (Reversal)","desc":"Amount of credit loss expense (reversal of expense) for financing receivable.","n":48,"last":"2026-06-30"},"writeoffs":{"tag":"FinancingReceivableAllowanceForCreditLossesWriteOffs","label":"Financing Receivable, Allowance for Credit Loss, Writeoff","desc":"Amount of writeoff of financing receivable, charged against allowance for credit loss.","n":36,"last":"2026-06-30"},"nco_direct":{"tag":"FinancingReceivableAllowanceForCreditLossWriteoffAfterRecovery","label":"Financing Receivable, Allowance for Credit Loss, Writeoff, after Recovery","desc":"Amount, after recovery, of writeoff of financing receivable, charged against allowance for credit loss.","n":30,"last":"2026-06-30"},"nonaccrual":{"tag":"FinancingReceivableRecordedInvestmentNonaccrualStatus","label":"Financing Receivable, Nonaccrual","desc":"Amount of financing receivable on nonaccrual status.","n":25,"last":"2026-06-30"},"revenue":{"tag":"RevenuesNetOfInterestExpense","label":"Revenues, Net of Interest Expense","desc":"Amount of revenue recognized from goods sold, services rendered, insurance premiums, or other activities that constitute an earning process. Includes, but is not limited to, investment and interest income after deduction of interest expense when recognized as a component of revenue, and sales and trading gain (loss).","n":40,"last":"2026-06-30"},"assets":{"tag":"Assets","label":"Assets","desc":"Sum of the carrying amounts as of the balance sheet date of all assets that are recognized. Assets are probable future economic benefits obtained or controlled by an entity as a result of past transactions or events.","n":62,"last":"2026-06-30"},"equity":{"tag":"StockholdersEquity","label":"Stockholders' Equity Attributable to Parent","desc":"Total of all stockholders' equity (deficit) items, net of receivables from officers, directors, owners, and affiliates of the entity which are attributable to the parent. The amount of the economic entity's stockholders' equity attributable to the parent excludes the amount of stockholders' equity which is allocable to that ownership interest in subsidiary equity which is not attributable to the parent (noncontrolling interest, minority interest). This excludes temporary equity and is sometimes called permanent equity.","n":63,"last":"2026-06-30"}},"events":[],"pct":{"alw_ratio":67,"nco_rate":50,"prov_nco":0,"yield":null,"growth_yoy":0,"leverage":null,"equity_ratio":33,"dq_total_r":null,"dq90_r":null},"insights":[["HIGH","Reserve bleed: provision has run below net charge-offs for 2 consecutive quarters (latest 2026-06-30, provision $-10.9M against $12.5M of net charge-offs). The allowance is absorbing losses it is not being refilled for. Threshold: two consecutive 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Financial Inc.","cik":"0000040729","sector":"auto-bank","tier":"prime","status":"live","basis":"prime","model":"Bank holding company whose core is prime retail auto loans and leases through a dealer network, plus commercial auto floorplan, mortgage and corporate finance.","dq_note":"The tagged book is total finance receivables and loans, not the retail auto slice alone, so the allowance ratio blends a prime auto book with floorplan and corporate lending and reads below Ally's own retail auto coverage. Operating leases sit outside the receivable. Deposit funded, so debt to equity is not a leverage read comparable to a finance company's. In the second quarter of 2021 recoveries exceeded charge-offs, a real stimulus-era result that the panel's negative loss screen blanks for that one quarter.","dq":["nco_negative"],"prov":{"receivables_gross":{"tag":"FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss","label":null,"desc":null,"n":21,"last":"2026-06-30"},"receivables_net":{"tag":"FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss","label":null,"desc":null,"n":21,"last":"2026-06-30"},"allowance":{"tag":"FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest","label":null,"desc":null,"n":26,"last":"2026-06-30"},"provision":{"tag":"FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal","label":null,"desc":null,"n":32,"last":"2026-06-30"},"writeoffs":{"tag":"FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff","label":null,"desc":null,"n":32,"last":"2026-06-30"},"recoveries":{"tag":"FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery","label":null,"desc":null,"n":32,"last":"2026-06-30"},"nonaccrual":{"tag":"FinancingReceivableRecordedInvestmentNonaccrualStatus","label":"Financing Receivable, Nonaccrual","desc":"Amount of financing receivable on nonaccrual status.","n":59,"last":"2026-06-30"},"revenue":{"tag":"Revenues","label":"Revenues","desc":"Amount of revenue recognized from goods sold, services rendered, insurance premiums, or other activities that constitute an earning process. Includes, but is not limited to, investment and interest income before deduction of interest expense when recognized as a component of revenue, and sales and trading gain (loss).","n":107,"last":"2026-06-30"},"interest_income":{"tag":"InterestAndFeeIncomeLoansAndLeasesHeldInPortfolio","label":"Interest and Fee Income, Loans and Leases Held-in-portfolio","desc":"Interest and fee income generated by loans the Entity intends and has the ability to hold for the foreseeable future, or until maturity or payoff, including commercial and consumer loans, whether domestic or foreign, which may consist of: (1) industrial and agricultural; (2) real estate; and (3) real estate construction loans; (4) trade financing; (5) lease financing; (6) home equity lines-of-credit; (7) automobile and other vehicle loans; and (8) credit card and other revolving-type loans. Also includes interest income for leases held by the Entity.","n":53,"last":"2026-06-30"},"assets":{"tag":"Assets","label":"Assets","desc":"Sum of the carrying amounts as of the balance sheet date of all assets that are recognized. Assets are probable future economic benefits obtained or controlled by an entity as a result of past transactions or events.","n":62,"last":"2026-06-30"},"equity":{"tag":"StockholdersEquity","label":"Stockholders' Equity Attributable to Parent","desc":"Total of all stockholders' equity (deficit) items, net of receivables from officers, directors, owners, and affiliates of the entity which are attributable to the parent. The amount of the economic entity's stockholders' equity attributable to the parent excludes the amount of stockholders' equity which is allocable to that ownership interest in subsidiary equity which is not attributable to the parent (noncontrolling interest, minority interest). This excludes temporary equity and is sometimes called permanent equity.","n":66,"last":"2026-06-30"},"debt":{"tag":"LongTermDebt","label":"Long-term Debt","desc":"Amount, after unamortized (discount) premium and debt issuance costs, of long-term debt. Includes, but not limited to, notes payable, bonds payable, debentures, mortgage loans and commercial paper. 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Loans held for investment are tagged at unpaid principal before allowance, and the allowance element resolves to the total credit-loss allowance rather than the small trade-receivable reserve Affirm also tags. Short-duration loans mean the book turns over several times a year, so an annualized loss rate on average balance runs hotter than a term-loan lender's at the same credit quality.","dq":[],"prov":{"receivables_gross":{"tag":"FinancingReceivableBeforeAllowanceForCreditLossAndFee","label":"Financing Receivable, before Allowance for Credit Loss and Fee","desc":"Amount, before allowance for credit loss and fee, of financing receivable. Excludes financing receivable covered under loss sharing agreement.","n":24,"last":"2026-06-30"},"receivables_net":{"tag":"NotesReceivableNet","label":"Financing Receivable, after Allowance for Credit Loss","desc":"Amount, after allowance for credit loss, of financing receivable. 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Acceptance Corp.","cik":"0000885550","sector":"auto-indirect","tier":"subprime","status":"live","basis":"subprime","model":"Indirect through a dealer network, most volume under the Portfolio Program where Credit Acceptance advances against dealer pools and shares collections.","dq_note":"GAAP loans receivable reflects a forecast-of-collections model, not the face value of consumer paper, so allowance moves largely track forecast revisions. Credit Acceptance tags its write-offs as literal zeros in the periods checked, so the net charge-off family is suppressed here rather than published wrong.","dq":["writeoffs_tagged_zero"],"prov":{"receivables_gross":{"tag":"NotesReceivableGross","label":"Financing Receivable, before Allowance for Credit Loss","desc":"Amount, before allowance for credit loss, of financing receivable.","n":9,"last":"2026-06-30"},"receivables_net":{"tag":"NotesReceivableNet","label":"Financing Receivable, after Allowance for Credit Loss","desc":"Amount, after allowance for credit loss, of financing receivable. Excludes financing receivable covered under loss sharing agreement.","n":15,"last":"2026-06-30"},"allowance":{"tag":"FinancingReceivableAllowanceForCreditLosses","label":"Financing Receivable, Allowance for Credit Loss","desc":"Amount of allowance for credit loss on financing receivable. 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Co.","cik":"0001690820","sector":"auto-retail","tier":"mixed","status":"live","basis":"ALL","model":"Online used-vehicle retailer that originates paper and sells it, largely through a forward-flow arrangement and its own securitizations.","dq_note":"Most originated loans are sold rather than held, so balance-sheet receivables understate origination volume and credit performance shows up in gain-on-sale and retained interests.","dq":[],"prov":{"receivables_net":{"tag":"TradeAndLoansReceivablesHeldForSaleNetNotPartOfDisposalGroup","label":"Accounts and Financing Receivables, Held-for-Sale, Not Part of Disposal Group, after Valuation Allowance","desc":"Amount, after valuation allowance, of accounts and financing receivables held for sale and not part of disposal group. 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International, Inc.","cik":"0001529864","sector":"personal-installment","tier":"subprime","status":"live","basis":"personal-installment","model":"Online consumer and small-business installment and line-of-credit lender.","dq_note":"Carries loans at fair value, so allowance ratios are thin or absent and credit shows in fair-value marks instead.","dq":["nco_rate_implausible"],"prov":{"receivables_gross":{"tag":"LoansAndLeasesReceivableGrossCarryingAmount","label":"Loans and Leases Receivable, Gross","desc":"Amount before allowance of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. 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Inc.","cik":"0001170010","sector":"auto-captive","tier":"prime","status":"live","basis":"prime","model":"CarMax Auto Finance: captive lender to CarMax's own used-vehicle customers, mostly prime, funded through non-recourse securitizations and warehouse lines.","dq_note":"Fiscal year ends the last day of February, so quarters land in May, August, November and February and line up with calendar peers only approximately. Revenue is consolidated CarMax vehicle sales plus finance income, as for Car-Mart. Debt includes the non-recourse notes payable that fund the receivables. Beginning fiscal 2026 a slice of originations is held for sale.","dq":[],"prov":{"receivables_gross":{"tag":"NotesReceivableGross","label":"Financing Receivable, before Allowance for Credit Loss","desc":"Amount, before allowance for credit loss, of financing receivable.","n":60,"last":"2026-05-31"},"receivables_net":{"tag":"NotesReceivableNet","label":"Financing Receivable, after Allowance for Credit Loss","desc":"Amount, after allowance for credit loss, of financing receivable. Excludes financing receivable covered under loss sharing agreement.","n":62,"last":"2026-05-31"},"allowance":{"tag":"FinancingReceivableAllowanceForCreditLosses","label":"Financing Receivable, Allowance for Credit Loss","desc":"Amount of allowance for credit loss on financing receivable. 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Financial Corp.","cik":"0001000209","sector":"consumer-secured","tier":"subprime","status":"live","basis":"subprime","model":"Consumer lender secured by recreation and home-improvement collateral, plus the legacy taxi medallion book.","dq_note":"Mixed collateral. Ratios blend recreation, home improvement, and commercial lending, so peer comparison against monoline auto lenders is directional at best.","dq":["fair_value_book","alw_ratio_implausible","nco_rate_implausible"],"prov":{"receivables_gross":{"tag":"NotesReceivableGross","label":"Financing Receivable, before Allowance for Credit Loss","desc":"Amount, before allowance for credit loss, of financing receivable.","n":20,"last":"2026-06-30"},"receivables_net":{"tag":"NotesReceivableNet","label":"Financing Receivable, after Allowance for Credit Loss","desc":"Amount, after allowance for credit loss, of financing receivable. Excludes financing receivable covered under loss sharing agreement.","n":18,"last":"2026-06-30"},"allowance":{"tag":"FinancingReceivableAllowanceForCreditLosses","label":"Financing Receivable, Allowance for Credit Loss","desc":"Amount of allowance for credit loss on financing receivable. 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Assets are probable future economic benefits obtained or controlled by an entity as a result of past transactions or events.","n":34,"last":"2026-06-30"},"equity":{"tag":"StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest","label":"Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest","desc":"Amount of stockholders' equity (deficit), net of receivables from officers, directors, owners, and affiliates of the entity, attributable to both the parent and noncontrolling interests. Amount excludes temporary equity. 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Financial / Old Market Capital","cik":"0001000045","sector":"auto-indirect","tier":"subprime","status":"departed","basis":"subprime","model":"Was a branch-based subprime auto lender. Sold the consumer loan portfolio and became Old Market Capital Corporation, a different business, before delisting.","dq_note":"The tape ends when the auto book was disposed of. Later periods do not describe subprime auto lending and should not be read as though they do.","dq":["past_due_ratio_impossible"],"prov":{"receivables_gross":{"tag":"AccountsReceivableGross","label":"Accounts Receivable, before Allowance for Credit Loss","desc":"Amount, before allowance for credit loss, of right to consideration from customer for product sold and service rendered in normal course of business.","n":4,"last":"2023-12-31"},"receivables_net":{"tag":"AccountsReceivableNet","label":"Accounts Receivable, after Allowance for Credit Loss","desc":"Amount, after allowance for credit loss, of right to consideration from customer for product sold and service rendered in normal course of business.","n":22,"last":"2024-03-31"},"allowance":{"tag":"AllowanceForDoubtfulAccountsReceivable","label":"Accounts Receivable, Allowance for Credit Loss","desc":"Amount of allowance for credit loss on accounts receivable.","n":6,"last":"2025-03-31"},"provision":{"tag":"ProvisionForLoanLeaseAndOtherLosses","label":"Provision for Loan, Lease, and Other Losses","desc":"Amount of expense related loan transactions, lease transactions, credit loss from transactions other than loan and lease transactions, and other loss based on assessment of uncollectability from the counterparty to reduce the account to their net realizable value.","n":102,"last":"2025-06-30"},"dq90":{"tag":"FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing","label":"Financing Receivable, 90 Days or More Past Due, Still Accruing","desc":"Amount of financing receivable 90 days or more past due and still accruing.","n":2,"last":"2023-09-30"},"writeoffs":{"tag":"FinancingReceivableAllowanceForCreditLossesWriteOffs","label":"Financing Receivable, Allowance for Credit Loss, Writeoff","desc":"Amount of writeoff of financing receivable, charged against allowance for credit loss.","n":1,"last":"2019-03-31"},"revenue":{"tag":"Revenues","label":"Revenues","desc":"Amount of revenue recognized from goods sold, services rendered, insurance premiums, or other activities that constitute an earning process. Includes, but is not limited to, investment and interest income before deduction of interest expense when recognized as a component of revenue, and sales and trading gain (loss).","n":68,"last":"2025-09-30"},"interest_income":{"tag":"InterestAndFeeIncomeLoansAndLeases","label":"Interest and Fee Income, Loans and Leases","desc":"The aggregate interest and fee income generated by: (1) loans the Entity has positive intent and ability to hold for the foreseeable future, or until maturity or payoff, including commercial and consumer loans, whether domestic or foreign, which may consist of: (a) industrial and agricultural; (b) real estate; and (c) real estate construction loans; (d) trade financing; (e) lease financing; (f) home equity lines-of-credit; (g) automobile and other vehicle loans; and (h) credit card and other revolving-type loans and (2) loans and leases held-for-sale which may include mortgage loans, direct financing, and sales-type leases.","n":46,"last":"2024-03-31"},"assets":{"tag":"Assets","label":"Assets","desc":"Sum of the carrying amounts as of the balance sheet date of all assets that are recognized. Assets are probable future economic benefits obtained or controlled by an entity as a result of past transactions or events.","n":59,"last":"2025-09-30"},"equity":{"tag":"StockholdersEquity","label":"Stockholders' Equity Attributable to Parent","desc":"Total of all stockholders' equity (deficit) items, net of receivables from officers, directors, owners, and affiliates of the entity which are attributable to the parent. The amount of the economic entity's stockholders' equity attributable to the parent excludes the amount of stockholders' equity which is allocable to that ownership interest in subsidiary equity which is not attributable to the parent (noncontrolling interest, minority interest). This excludes temporary equity and is sometimes called permanent equity.","n":54,"last":"2025-09-30"},"debt":{"tag":"LongTermDebt","label":"Long-term Debt","desc":"Amount, after unamortized (discount) premium and debt issuance costs, of long-term debt. Includes, but not limited to, notes payable, bonds payable, debentures, mortgage loans and commercial paper. Excludes capital lease obligations.","n":23,"last":"2025-09-30"}},"events":[{"d":"2025-12-22","kind":"delisting","sev":"DANGER","t":"Form 25: exchange delisting","s":"Nicholas Financial, by then renamed Old Market Capital Corporation, delisted. It had already exited subprime auto lending: the consumer loan portfolio was sold and the registrant became a different business, so its later filings do not describe an auto book.","url":null},{"d":"2026-01-02","kind":"deregistration","sev":"DANGER","t":"Form 15-12G/A: registration terminated","s":"Registration withdrawn. No periodic report follows.","url":null}],"pct":{"alw_ratio":null,"nco_rate":null,"prov_nco":null,"yield":null,"growth_yoy":null,"leverage":12,"equity_ratio":91,"dq_total_r":null,"dq90_r":null},"insights":[["HIGH","Equity fell to 59.9% of assets from 82.8% a year earlier, a 22.9 point erosion of the cushion under the book. Threshold: 4 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Holdings, Inc.","cik":"0001584207","sector":"personal-installment","tier":"near-prime","status":"live","basis":"personal-installment","model":"Branch-based near-prime and subprime personal installment lender; bought Foursight to add auto.","dq_note":"Auto is a growing slice, not the whole book. Delinquency ratios are dimensional disclosures the companyfacts feed does not carry, so the net charge-off rate here is derived from write-offs less recoveries over average receivables and approximates, but does not equal, the company's own NCO convention.","dq":[],"prov":{"receivables_gross":{"tag":"NotesReceivableGross","label":"Financing Receivable, before Allowance for Credit Loss","desc":"Amount, before allowance for credit loss, of financing receivable.","n":29,"last":"2026-03-31"},"receivables_net":{"tag":"NotesReceivableNet","label":"Financing Receivable, after Allowance for Credit Loss","desc":"Amount, after allowance for credit loss, of financing receivable. Excludes financing receivable covered under loss sharing agreement.","n":29,"last":"2026-03-31"},"allowance":{"tag":"FinancingReceivableAllowanceForCreditLosses","label":"Financing Receivable, Allowance for Credit Loss","desc":"Amount of allowance for credit loss on financing receivable. 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Assets are probable future economic benefits obtained or controlled by an entity as a result of past transactions or events.","n":56,"last":"2026-03-31"},"equity":{"tag":"StockholdersEquity","label":"Stockholders' Equity Attributable to Parent","desc":"Total of all stockholders' equity (deficit) items, net of receivables from officers, directors, owners, and affiliates of the entity which are attributable to the parent. The amount of the economic entity's stockholders' equity attributable to the parent excludes the amount of stockholders' equity which is allocable to that ownership interest in subsidiary equity which is not attributable to the parent (noncontrolling interest, minority interest). This excludes temporary equity and is sometimes called permanent equity.","n":52,"last":"2026-03-31"},"debt":{"tag":"LongTermDebt","label":"Long-term Debt","desc":"Amount, after unamortized (discount) premium and debt issuance costs, of long-term debt. 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This excludes temporary equity and is sometimes called permanent equity.","n":26,"last":"2026-06-30"},"debt":{"tag":"SecuredDebt","label":"Secured Debt","desc":"Carrying value as of the balance sheet date, including the current and noncurrent portions, of collateralized debt obligations (with maturities initially due after one year or beyond the operating cycle, if longer). Such obligations include mortgage loans, chattel loans, and any other borrowings secured by assets of the borrower.","n":11,"last":"2023-12-31"}},"events":[{"d":"2022-12-09","kind":"nonreliance","sev":"DANGER","t":"Non-reliance 8-K (Item 4.02)","s":"OppFi disclosed previously issued statements should no longer be relied upon. Verified in the document. Read it as an accounting restatement in a post-SPAC reporting structure rather than evidence of credit distress: the company continues to file and operate.","url":null},{"d":"2021-04-22","kind":"nonreliance","sev":"DANGER","t":"Non-reliance 8-K (Item 4.02)","s":"Earlier non-reliance disclosure, verified in the document. Part of the 2021 wave of SPAC warrant accounting restatements, which hit many de-SPAC registrants at once.","url":null}],"pct":{"alw_ratio":null,"nco_rate":null,"prov_nco":null,"yield":null,"growth_yoy":null,"leverage":null,"equity_ratio":80,"dq_total_r":null,"dq90_r":null},"insights":[],"read_q":null,"flags":[],"score":0,"hist":[["2018-12-31",null,null,null,null,27117000,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0],["2019-12-31",null,null,null,null,53146000,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0],["2020-06-30",null,null,null,null,43858000,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0],["2020-09-30",null,null,null,null,47534000,16303000,null,2650000,null,62759000,62493000,null,1958367,29000,null,null,null,null,null,null,1.48,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1],["2020-12-31",255943000,222243000,null,255943000,55031000,25483000,null,2115000,null,92321000,92038000,19300000,285843000,5000010,16025000,21.5,null,143.84,null,7.54,1.75,3.2,null,null,null,null,null,null,null,null,null,0,null,null,null,0.0,null,null,null,1],["2021-03-31",null,null,null,null,7000,7000,null,null,null,84257000,84103000,null,244174740,5000010,null,null,null,null,null,null,2.05,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1],["2021-06-30",null,null,null,null,11000,31000,null,null,null,78376000,78030000,null,243809019,5000010,null,null,null,null,null,null,2.05,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,4],["2021-09-30",1402000,1269000,null,1402000,146000,143000,null,0,null,91977000,91448000,3000,440654000,-23181000,19791000,10.41,null,26090.73,null,0.21,-5.26,null,null,null,null,null,null,null,-6.74,null,null,0,null,null,null,0.0,null,null,null,9],["2021-12-31",5285000,4220000,null,5285000,803000,748000,null,0,null,95958000,95448000,100000,502106000,-9040000,22443000,15.19,null,11418.93,null,1.89,-1.8,null,null,-97.9,-6.31,null,-5.65,11275.09,-3.55,null,null,0,null,null,null,0.0,null,0.0,null,8],["2022-03-31",5942000,4811000,null,5942000,931000,457000,329000,null,329000,100710000,100336000,500000,512545000,-8747000,19176000,15.67,23.44,7149.62,1.39,8.41,-1.71,null,2.8,null,null,null,null,null,-3.76,null,null,null,null,null,null,null,null,null,null,9],["2022-06-30",5746000,4579000,null,5746000,1045000,569000,455000,null,455000,107875000,107873000,1200000,578070000,-3976000,5123000,18.19,31.14,7383.5,1.25,20.88,-0.69,null,2.3,null,null,null,null,null,-2.74,null,null,null,null,null,null,null,null,null,null,6],["2022-09-30",5159000,null,null,5159000,null,1017000,831000,null,831000,124244000,123605000,1400000,579970000,-3244000,1758000,null,null,9067.77,1.22,27.14,-0.56,null,null,268.0,null,null,26.93,-17022.96,4.7,null,null,null,null,null,null,null,null,null,null,5],["2022-12-31",730000,null,null,730000,null,null,1038000,null,1038000,120030000,119634000,100000,579839000,-494000,756000,null,null,16251.86,null,13.7,-0.09,null,null,-86.2,null,null,11.81,4832.93,1.71,null,null,0,null,null,null,0.0,null,0.0,null,8],["2023-03-31",506000,null,null,506000,null,null,119000,null,119000,120374000,119942000,100000,560045000,1438000,0,null,null,77632.36,null,19.76,0.26,null,null,-91.5,null,null,11.35,70482.74,1.97,null,null,null,null,null,null,null,null,null,null,5],["2023-06-30",2845000,null,null,2845000,null,null,1505000,null,1505000,122486000,121583000,42400,577380000,7447000,0,null,null,29026.08,null,1.49,1.29,null,null,-50.5,null,null,-19.39,21642.58,1.98,null,null,null,null,null,null,null,null,null,null,4],["2023-09-30",2355000,null,null,2355000,null,null,535000,null,535000,133165000,132090000,38000,600592000,11413000,0,null,null,20321.54,null,1.61,1.9,null,null,-54.4,null,null,-25.53,11253.77,2.46,null,null,null,null,null,null,null,null,null,null,4],["2023-12-31",454000,null,null,454000,null,null,1985000,null,1985000,132924000,131815000,30000,601543000,10440000,0,null,null,37540.76,null,6.61,1.74,null,null,-37.8,null,null,-7.09,21288.9,1.83,null,null,null,null,null,null,null,null,null,null,4],["2024-03-31",54000,null,null,54000,null,null,366000,null,366000,127343000,126279000,17000,563206000,18176000,null,null,null,198864.57,null,31.48,3.23,null,null,-89.3,null,null,11.72,121232.21,2.97,null,null,null,null,null,null,null,null,null,null,2],["2024-06-30",21000,null,null,21000,null,null,8000,null,8000,126304000,125076000,13000,573093000,18628000,null,null,null,1334144.0,null,61.9,3.25,null,null,-99.3,null,null,60.41,1305117.92,1.96,null,null,null,null,null,null,null,null,null,null,2],["2024-09-30",10000,null,null,10000,null,null,4000,null,4000,136593000,135535000,8000,619266000,34888000,null,null,null,3497677.42,null,80.0,5.63,null,null,-99.6,null,null,78.39,3477355.88,3.73,null,null,null,null,null,null,null,null,null,null,2],["2024-12-31",null,null,null,null,null,null,null,null,null,135723000,134337000,null,641171000,32774000,null,null,null,null,null,null,5.11,null,null,null,null,null,null,null,3.37,null,null,null,null,null,null,null,null,null,null,1],["2025-03-31",null,null,null,null,null,null,null,null,null,140268000,139118000,null,640072000,22550000,null,null,null,null,null,null,3.52,null,null,null,null,null,null,null,0.29,null,null,null,null,null,null,null,null,null,null,1],["2025-06-30",null,null,null,null,null,null,null,null,null,142443000,141144000,null,673375000,13351000,null,null,null,null,null,null,1.98,null,null,null,null,null,null,null,-1.27,null,null,null,null,null,null,null,null,null,null,1],["2025-09-30",null,null,null,null,null,null,null,null,null,155089000,153706000,null,720615000,49423000,null,null,null,null,null,null,6.86,null,null,null,null,null,null,null,1.23,null,null,null,null,null,null,null,null,null,null,1],["2025-12-31",null,null,null,null,null,null,null,null,null,159250000,157801000,null,754090000,58484000,null,null,null,null,null,null,7.76,null,null,null,null,null,null,null,2.65,null,null,null,null,null,null,null,null,null,null,1],["2026-03-31",null,null,null,null,null,null,null,null,null,151881000,150526000,null,719987000,75654000,null,null,null,null,null,null,10.51,null,null,null,null,null,null,null,6.99,null,null,null,null,null,null,null,null,null,null,0],["2026-06-30",null,null,null,null,null,null,null,null,null,145170000,143726000,null,770729000,414255000,null,null,null,null,null,null,53.75,null,null,null,null,null,null,null,51.77,null,null,null,null,null,null,null,null,null,null,0]],"flagHist":[["2020-09-30",["equity_thin"]],["2020-12-31",["equity_thin"]],["2021-03-31",["equity_thin"]],["2021-06-30",["nonreliance","equity_thin"]],["2021-09-30",["equity_negative","nonreliance","equity_eroding"]],["2021-12-31",["equity_negative","nonreliance","coverage_falling"]],["2022-03-31",["equity_negative","nonreliance","reserve_thin"]],["2022-06-30",["equity_negative","reserve_thin"]],["2022-09-30",["equity_negative","nonaccrual_rising"]],["2022-12-31",["equity_negative","nonreliance","nonaccrual_rising"]],["2023-03-31",["nonreliance","equity_thin","nonaccrual_rising"]],["2023-06-30",["nonreliance","equity_thin"]],["2023-09-30",["nonreliance","equity_thin"]],["2023-12-31",["nonreliance","equity_thin"]],["2024-03-31",["equity_thin","nonaccrual_rising"]],["2024-06-30",["equity_thin","nonaccrual_rising"]],["2024-09-30",["equity_thin","nonaccrual_rising"]],["2024-12-31",["equity_thin"]],["2025-03-31",["equity_thin"]],["2025-06-30",["equity_thin"]],["2025-09-30",["equity_thin"]],["2025-12-31",["equity_thin"]]]},{"tk":"OPRT","nm":"Oportun Financial Corp.","cik":"0001538716","sector":"personal-installment","tier":"near-prime","status":"live","basis":"personal-installment","model":"Personal installment lender to thin-file and no-file borrowers, increasingly through bank partnerships.","dq_note":"Elects fair value for much of its loan book, so allowance-based ratios cover only part of it.","dq":[],"prov":{"receivables_gross":{"tag":"LoansAndLeasesReceivableBeforeFeesGross","label":"Loans and Leases Receivable, before Fees, Gross","desc":"Amount, before allowance and fees, of loans and leases receivable. Excludes loans and leases covered under loss sharing agreements.","n":7,"last":"2020-12-31"},"receivables_net":{"tag":"LoansAndLeasesReceivableNetReportedAmount","label":"Loans and Leases Receivable, Net Amount","desc":"Amount after allowance and deduction of deferred interest and fees, unamortized costs and premiums and discounts from face amounts, of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Excludes loans and leases covered under loss sharing agreements and loans held for sale.","n":7,"last":"2020-12-31"},"provision":{"tag":"ProvisionForLoanAndLeaseLosses","label":"Provision for Loan and Lease Losses","desc":"Amount of expense related to estimated loss from loan and lease transactions.","n":16,"last":"2020-12-31"},"dq90":{"tag":"FairValueOptionLoansHeldAsAssets90DaysOrMorePastDue","label":"Fair Value, Option, Loans Held as Assets, 90 Days or More Past Due","desc":"This item represents the aggregate fair value of loans held as assets that are 90 days or more past due for which the fair value option has been elected.","n":21,"last":"2024-06-30"},"writeoffs":{"tag":"AllowanceForLoanAndLeaseLossesWriteOffs","label":"Allowance for Loan and Lease Losses, Write-offs","desc":"Amount of loans and leases that have been written off from both loan receivables and allowance reserve for credit loss.","n":10,"last":"2020-12-31"},"recoveries":{"tag":"AllowanceForLoanAndLeaseLossRecoveryOfBadDebts","label":"Allowance for Loan and Lease Loss, Recovery of Bad Debts","desc":"Amount of recovery of loans and lease receivables which had previously been fully or partially written-off as bad debts.","n":10,"last":"2020-12-31"},"revenue":{"tag":"Revenues","label":"Revenues","desc":"Amount of revenue recognized from goods sold, services rendered, insurance premiums, or other activities that constitute an earning process. Includes, but is not limited to, investment and interest income before deduction of interest expense when recognized as a component of revenue, and sales and trading gain (loss).","n":49,"last":"2026-06-30"},"interest_income":{"tag":"InterestAndFeeIncomeLoansConsumer","label":"Interest and Fee Income, Loans, Consumer","desc":"Interest and fee income generated from consumer loans. Consumer loans are loans to individuals for household, family, and other personal expenditures. Such loans include residential mortgages, home equity lines-of-credit, automobiles and marine transport loans, credit card transactions, and others.","n":49,"last":"2026-06-30"},"assets":{"tag":"Assets","label":"Assets","desc":"Sum of the carrying amounts as of the balance sheet date of all assets that are recognized. Assets are probable future economic benefits obtained or controlled by an entity as a result of past transactions or events.","n":29,"last":"2026-06-30"},"equity":{"tag":"StockholdersEquity","label":"Stockholders' Equity Attributable to Parent","desc":"Total of all stockholders' equity (deficit) items, net of receivables from officers, directors, owners, and affiliates of the entity which are attributable to the parent. The amount of the economic entity's stockholders' equity attributable to the parent excludes the amount of stockholders' equity which is allocable to that ownership interest in subsidiary equity which is not attributable to the parent (noncontrolling interest, minority interest). This excludes temporary equity and is sometimes called permanent equity.","n":29,"last":"2026-06-30"},"debt":{"tag":"SecuredDebt","label":"Secured Debt","desc":"Carrying value as of the balance sheet date, including the current and noncurrent portions, of collateralized debt obligations (with maturities initially due after one year or beyond the operating cycle, if longer). Such obligations include mortgage loans, chattel loans, and any other borrowings secured by assets of the borrower.","n":29,"last":"2026-06-30"}},"events":[],"pct":{"alw_ratio":null,"nco_rate":null,"prov_nco":null,"yield":null,"growth_yoy":null,"leverage":0,"equity_ratio":0,"dq_total_r":null,"dq90_r":null},"insights":[],"read_q":null,"flags":[],"score":0,"hist":[["2018-12-31",323814000,295781000,null,323814000,null,-3450000,16489000,3321000,13168000,139012000,124821000,null,1739939000,346549000,863165000,null,16.27,154.19,-0.26,null,19.92,2.49,null,null,null,null,null,null,null,null,null,1100000,null,null,null,0.34,null,null,null,0],["2019-09-30",76167000,68981000,null,76167000,null,-426000,5970000,2224000,3746000,128669000,108992000,null,2092587000,461117000,1113165000,null,7.49,217.99,-0.11,null,22.04,2.41,null,null,null,null,null,null,null,null,null,6000000,null,null,null,7.88,null,null,null,2],["2019-12-31",42546000,38471000,null,42546000,null,-728000,4208000,1986000,2222000,165344000,148348000,null,2201874000,488766000,1113165000,null,14.97,999.71,-0.33,null,22.2,2.28,null,-86.9,null,-1.3,null,845.52,2.28,null,null,3600000,null,null,null,8.46,null,8.12,null,4],["2020-03-31",0,0,null,0,null,0,0,0,0,163428000,150700000,null,2117320000,483541000,1113165000,null,null,null,null,null,22.84,2.3,null,null,null,null,null,null,null,null,null,2300000,null,null,null,null,null,null,null,0],["2020-06-30",0,0,null,0,null,0,null,null,null,142707000,136086000,null,1974622000,454332000,1113165000,null,null,null,null,null,23.01,2.45,null,null,null,null,null,null,null,null,null,2000000,null,null,null,null,null,null,null,0],["2020-09-30",0,0,null,0,null,0,null,null,null,136767000,128739000,null,1917523000,453021000,1113165000,null,null,null,null,null,23.63,2.46,null,null,null,null,null,null,1.59,null,null,2000000,null,null,null,null,null,null,null,0],["2020-12-31",0,0,null,0,null,0,null,null,null,140832000,129941000,null,2009051000,466628000,1154419000,null,null,null,null,null,23.23,2.47,null,null,null,null,null,null,1.03,null,null,2300000,null,null,null,null,null,null,null,0],["2021-03-31",null,null,null,null,null,null,null,null,null,135313000,127191000,null,1992061000,472248000,1329415000,null,null,null,null,null,23.71,2.82,null,null,null,null,null,null,0.87,null,null,1800000,null,null,null,null,null,null,null,0],["2021-06-30",null,null,null,null,null,null,null,null,null,138254000,128589000,null,2221483000,484581000,1604414000,null,null,null,null,null,21.81,3.31,null,null,null,null,null,null,-1.2,null,null,1700000,null,null,null,null,null,null,null,0],["2021-09-30",null,null,null,null,null,null,null,null,null,159084000,145444000,null,2347881000,511591000,1154412000,null,null,null,null,null,21.79,2.26,null,null,null,null,null,null,-1.84,null,null,3600000,null,null,null,null,null,null,null,0],["2021-12-31",null,null,null,null,null,null,null,null,null,194131000,174615000,null,2946625000,603881000,1654412000,null,null,null,null,null,20.49,2.74,null,null,null,null,null,null,-2.74,null,null,3500000,null,null,null,null,null,null,null,0],["2022-03-31",null,null,null,null,null,null,null,null,null,214720000,192237000,null,2992551000,649936000,1654412000,null,null,null,null,null,21.72,2.55,null,null,null,null,null,null,-1.99,null,null,3700000,null,null,null,null,null,null,null,0],["2022-06-30",null,null,null,null,null,null,null,null,null,225802000,207655000,null,3350022000,648198000,2043158000,null,null,null,null,null,19.35,3.15,null,null,null,null,null,null,-2.46,null,null,3100000,null,null,null,null,null,null,null,0],["2022-09-30",null,null,null,null,null,null,null,null,null,250076000,232115000,null,3539994000,549113000,2408362000,null,null,null,null,null,15.51,4.39,null,null,null,null,null,null,-6.28,null,null,7000000,null,null,null,null,null,null,null,2],["2022-12-31",null,null,null,null,null,null,null,null,null,261947000,244107000,null,3613695000,547599000,2582025000,null,null,null,null,null,15.15,4.72,null,null,null,null,null,null,-5.34,null,null,4100000,null,null,null,null,null,null,null,2],["2023-03-31",null,null,null,null,null,null,null,null,null,259512000,237619000,null,3502057000,456146000,2445656000,null,null,null,null,null,13.03,5.36,null,null,null,null,null,null,-8.69,null,null,7600000,null,null,null,null,null,null,null,2],["2023-06-30",null,null,null,null,null,null,null,null,null,266563000,240463000,null,3472043000,458398000,2251619000,null,null,null,null,null,13.2,4.91,null,null,null,null,null,null,-6.15,null,null,10000000,null,null,null,null,null,null,null,2],["2023-09-30",null,null,null,null,null,null,null,null,null,268220000,243258000,null,3429932000,441363000,2076246000,null,null,null,null,null,12.87,4.7,null,null,null,null,null,null,-2.64,null,null,6300000,null,null,null,null,null,null,null,0],["2023-12-31",null,null,null,null,null,null,null,null,null,262624000,242156000,null,3411888000,404404000,1874406000,null,null,null,null,null,11.85,4.63,null,null,null,null,null,null,-3.3,null,null,5200000,null,null,null,null,null,null,null,0],["2024-03-31",null,null,null,null,null,null,null,null,null,250482000,230590000,null,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Management Corp.","cik":"0001519401","sector":"personal-installment","tier":"subprime","status":"live","basis":"personal-installment","model":"Branch-based small and large personal installment loans.","dq_note":"Mostly not auto-secured. 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Technologies, Inc.","cik":"0001818874","sector":"fintech-bank","tier":"prime","status":"live","basis":"prime","model":"Digital bank: personal, student and home loans, with credit card and commercial lending.","dq_note":"Basis: the receivables and allowance here cover only the amortized-cost book, about a billion dollars of card, commercial and senior secured lending. The personal and student loans, near thirty billion, are carried at fair value and tagged as held for sale, so they carry no allowance and no charge-off flow. Write-off and recovery elements are not tagged for the amortized-cost book, so the loss rate is empty, and loan interest income is earned mostly on the fair-value book, so no yield is shown. Coverage here is not SoFi's consumer credit performance.","dq":[],"prov":{"receivables_net":{"tag":"FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss","label":null,"desc":null,"n":11,"last":"2026-06-30"},"allowance":{"tag":"FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest","label":null,"desc":null,"n":22,"last":"2026-06-30"},"provision":{"tag":"FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal","label":null,"desc":null,"n":33,"last":"2026-06-30"},"revenue":{"tag":"RevenuesNetOfInterestExpense","label":"Revenues, Net of Interest Expense","desc":"Amount of revenue recognized from goods sold, services rendered, insurance premiums, or other activities that constitute an earning process. Includes, but is not limited to, investment and interest income after deduction of interest expense when recognized as a component of revenue, and sales and trading gain (loss).","n":39,"last":"2026-06-30"},"assets":{"tag":"Assets","label":"Assets","desc":"Sum of the carrying amounts as of the balance sheet date of all assets that are recognized. Assets are probable future economic benefits obtained or controlled by an entity as a result of past transactions or events.","n":24,"last":"2026-06-30"},"equity":{"tag":"StockholdersEquity","label":"Stockholders' Equity Attributable to Parent","desc":"Total of all stockholders' equity (deficit) items, net of receivables from officers, directors, owners, and affiliates of the entity which are attributable to the parent. 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Holdings, Inc.","cik":"0001647639","sector":"fintech-marketplace","tier":"near-prime","status":"live","basis":"near-prime","model":"AI-underwriting marketplace that originates personal and auto loans through bank partners and sells most of them to institutional investors.","dq_note":"Basis: the loans Upstart keeps are carried at fair value and total roughly a billion dollars, a small fraction of what it originates. There is no allowance, provision or charge-off rollforward to tag, so the coverage and loss metrics are empty by construction, not missing. Read the balance as a warehouse and R&D book, not as the credit performance of Upstart-powered loans.","dq":["fair_value_book"],"prov":{"receivables_net":{"tag":"NotesReceivableNet","label":"Financing Receivable, after Allowance for Credit Loss","desc":"Amount, after allowance for credit loss, of financing receivable. Excludes financing receivable covered under loss sharing agreement.","n":19,"last":"2026-06-30"},"revenue":{"tag":"Revenues","label":"Revenues","desc":"Amount of revenue recognized from goods sold, services rendered, insurance premiums, or other activities that constitute an earning process. 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