Quarterly report pursuant to Section 13 or 15(d)

Consolidated Balance Sheets (Unaudited)

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Consolidated Balance Sheets (Unaudited) - USD ($)
$ in Thousands
Sep. 30, 2024
Dec. 31, 2023
Assets    
Cash $ 111,944 $ 92,195
Restricted cash, including amounts held by variable interest entities (VIEs) of $1,217 and $128 4,415 2,284
Consumer receivables 218,642 208,167
Allowance for credit losses on consumer receivables (33,511) (35,329)
Consumer receivables, net, including amounts held by VIEs of $160,037 and $131,283 185,131 172,838
Consumer receivables held for sale 4,401  
Enterprise receivables, net 24,279 15,978
Property and equipment, net 1,906 1,864
Intangible assets, net 165,380 176,541
Other assets 33,260 53,559
Total assets 530,716 515,259
Liabilities:    
Secured loans, net 64,497 64,334
Accounts payable and accrued liabilities 53,529 52,396
Warrant liability 405 810
Other debt, net, including amounts held by VIEs of $106,588 and $125,419 106,588 125,419
Other liabilities 23,225 15,077
Total liabilities 248,244 258,036
Commitments and contingencies (Note 15)
Stockholders' equity :    
Class A Common Stock, $0.0001 par value; 66,666,666 shares authorized as of September 30, 2024 and December 31, 2023, 11,162,735 and 11,105,735 issued and outstanding, respectively, as of September 30, 2024 and 10,444,627 and 10,412,294 issued and outstanding, respectively, as of December 31, 2023 1 1
Additional paid-in capital 988,446 969,641
Accumulated deficit (695,299) (702,719)
Treasury stock at cost, 56,738 and 32,333 shares as of September 30, 2024 and December 31, 2023, respectively (10,676) (9,700)
Total stockholders’ equity 282,472 257,223
Total liabilities and stockholders' equity $ 530,716 $ 515,259