2021 Q4 Form 10-K Financial Statement

#000153871622000019 Filed on March 01, 2022

View on sec.gov

Income Statement

Concept 2021 Q4 2021 2020 Q4
Revenue $160.5M $626.8M $114.6M
YoY Change 40.08% 7.37% -12.45%
Cost Of Revenue $57.93M
YoY Change
Gross Profit $521.2M
YoY Change
Gross Profit Margin 83.15%
Selling, General & Admin $139.6M $37.48M $96.30M
YoY Change 45.0% 83.09% -4.18%
% of Gross Profit 7.19%
Research & Development $16.90M
YoY Change
% of Gross Profit 3.24%
Depreciation & Amortization $6.722M $9.400M $5.300M
YoY Change 26.83% 0.0% 20.45%
% of Gross Profit 1.8%
Operating Expenses $139.6M $37.48M $96.30M
YoY Change 45.0% 83.09% -3.41%
Operating Profit $483.7M
YoY Change
Interest Expense
YoY Change
% of Operating Profit
Other Income/Expense, Net $43.98M
YoY Change
Pretax Income $20.89M $62.79M $14.70M
YoY Change 42.12% -208.09% -52.88%
Income Tax $6.725M $15.38M $4.700M
% Of Pretax Income 32.19% 24.49% 31.97%
Net Earnings $14.17M $47.41M $8.500M
YoY Change 66.66% -205.17% -63.36%
Net Earnings / Revenue 8.82% 7.56% 7.42%
Basic Earnings Per Share $1.68
Diluted Earnings Per Share $491.5K $1.56 $308.0K
COMMON SHARES
Basic Shares Outstanding 28.39M shares 28.19M shares 27.61M shares
Diluted Shares Outstanding 30.32M shares

Balance Sheet

Concept 2021 Q4 2021 2020 Q4
SHORT-TERM ASSETS
Cash & Short-Term Investments $131.0M $131.0M $136.2M
YoY Change -3.85% -3.85% 88.64%
Cash & Equivalents $131.0M $131.0M $136.2M
Short-Term Investments
Other Short-Term Assets $25.36M $25.36M $17.20M
YoY Change 47.41% 47.41% 40.98%
Inventory
Prepaid Expenses
Receivables $2.387B
Other Receivables $34.24M
Total Short-Term Assets $177.2M $177.2M $168.8M
YoY Change 4.99% 4.99% 56.01%
LONG-TERM ASSETS
Property, Plant & Equipment $9.915M $48.32M $15.85M
YoY Change -37.44% -22.94% -30.59%
Goodwill $104.0M $0.00
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $65.92M $65.92M $34.10M
YoY Change 93.33% 93.33% -47.94%
Total Long-Term Assets $2.769B $2.769B $1.840B
YoY Change 50.49% 50.49% -12.1%
TOTAL ASSETS
Total Short-Term Assets $177.2M $177.2M $168.8M
Total Long-Term Assets $2.769B $2.769B $1.840B
Total Assets $2.947B $2.947B $2.009B
YoY Change 46.67% 46.66% -8.76%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $8.343M $8.343M $1.800M
YoY Change 363.5% 363.5% -69.49%
Accrued Expenses $123.9M $123.9M $103.6M
YoY Change 19.55% 19.55% 9.63%
Deferred Revenue
YoY Change
Short-Term Debt $0.00 $0.00 $0.00
YoY Change
Long-Term Debt Due $14.04M
YoY Change
Total Short-Term Liabilities $154.6M $154.6M $118.4M
YoY Change 30.6% 30.6% -14.2%
LONG-TERM LIABILITIES
Long-Term Debt $2.160B $2.160B $1.414B
YoY Change 52.77% 52.77% -8.75%
Other Long-Term Liabilities $47.72M
YoY Change
Total Long-Term Liabilities $2.160B $2.160B $1.414B
YoY Change 52.77% 52.77% -8.81%
TOTAL LIABILITIES
Total Short-Term Liabilities $154.6M $154.6M $118.4M
Total Long-Term Liabilities $2.160B $2.160B $1.414B
Total Liabilities $2.343B $2.343B $1.542B
YoY Change 51.89% 51.86% -9.96%
SHAREHOLDERS EQUITY
Retained Earnings $83.85M $36.43M
YoY Change 130.14% -52.49%
Common Stock $526.3M $436.5M
YoY Change 20.58% 4.35%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity $603.9M $603.9M $466.6M
YoY Change
Total Liabilities & Shareholders Equity $2.947B $2.947B $2.009B
YoY Change 46.67% 46.66% -8.76%

Cashflow Statement

Concept 2021 Q4 2021 2020 Q4
OPERATING ACTIVITIES
Net Income $14.17M $47.41M $8.500M
YoY Change 66.66% -205.17% -63.36%
Depreciation, Depletion And Amortization $6.722M $9.400M $5.300M
YoY Change 26.83% 0.0% 20.45%
Cash From Operating Activities $59.72M $163.4M $13.50M
YoY Change 342.36% 6.92% -73.63%
INVESTING ACTIVITIES
Capital Expenditures -$17.70M $12.30M -$6.500M
YoY Change 172.37% 154.84% -25.29%
Acquisitions $111.7M
YoY Change
Other Investing Activities -$550.3M -$846.0M -$96.50M
YoY Change 470.3% -2067.47% -48.94%
Cash From Investing Activities -$568.0M -$884.8M -$103.0M
YoY Change 451.5% -5501.95% -47.9%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 477.5M $745.7M 94.60M
YoY Change 404.79% -645.11% 51.85%
NET CHANGE
Cash From Operating Activities 59.72M $163.4M 13.50M
Cash From Investing Activities -568.0M -$884.8M -103.0M
Cash From Financing Activities 477.5M $745.7M 94.60M
Net Change In Cash -30.80M $24.37M 5.100M
YoY Change -703.82% -24.9% -106.06%
FREE CASH FLOW
Cash From Operating Activities $59.72M $163.4M $13.50M
Capital Expenditures -$17.70M $12.30M -$6.500M
Free Cash Flow $77.42M $151.2M $20.00M
YoY Change 287.12% 2.1% -66.61%

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NetCashProvidedByUsedInInvestingActivities
16379000 USD
CY2021 us-gaap Proceeds From Long Term Lines Of Credit
ProceedsFromLongTermLinesOfCredit
1291795000 USD
CY2020 us-gaap Proceeds From Long Term Lines Of Credit
ProceedsFromLongTermLinesOfCredit
469000000 USD
CY2021 us-gaap Proceeds From Issuance Of Secured Debt
ProceedsFromIssuanceOfSecuredDebt
1479332000 USD
CY2020 us-gaap Proceeds From Issuance Of Secured Debt
ProceedsFromIssuanceOfSecuredDebt
40244000 USD
CY2021 us-gaap Repayments Of Long Term Lines Of Credit
RepaymentsOfLongTermLinesOfCredit
1144996000 USD
CY2020 us-gaap Repayments Of Long Term Lines Of Credit
RepaymentsOfLongTermLinesOfCredit
284006000 USD
CY2021 us-gaap Repayments Of Secured Debt
RepaymentsOfSecuredDebt
875007000 USD
CY2020 us-gaap Repayments Of Secured Debt
RepaymentsOfSecuredDebt
360001000 USD
CY2021 us-gaap Proceeds From Payments For Other Financing Activities
ProceedsFromPaymentsForOtherFinancingActivities
-2183000 USD
CY2020 us-gaap Proceeds From Payments For Other Financing Activities
ProceedsFromPaymentsForOtherFinancingActivities
-495000 USD
CY2021 us-gaap Payments Related To Tax Withholding For Share Based Compensation
PaymentsRelatedToTaxWithholdingForShareBasedCompensation
3232000 USD
CY2020 us-gaap Payments Related To Tax Withholding For Share Based Compensation
PaymentsRelatedToTaxWithholdingForShareBasedCompensation
1541000 USD
CY2021 us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
745709000 USD
CY2020 us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
-136799000 USD
CY2021 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect
24370000 USD
CY2020 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect
32449000 USD
CY2020Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
168590000 USD
CY2019Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
136141000 USD
CY2021Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
192960000 USD
CY2020Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
168590000 USD
CY2021Q4 us-gaap Cash And Cash Equivalents At Carrying Value
CashAndCashEquivalentsAtCarryingValue
130959000 USD
CY2020Q4 us-gaap Cash And Cash Equivalents At Carrying Value
CashAndCashEquivalentsAtCarryingValue
136187000 USD
CY2021Q4 us-gaap Restricted Cash And Cash Equivalents
RestrictedCashAndCashEquivalents
62001000 USD
CY2020Q4 us-gaap Restricted Cash And Cash Equivalents
RestrictedCashAndCashEquivalents
32403000 USD
CY2021Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
192960000 USD
CY2020Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
168590000 USD
CY2021 us-gaap Income Taxes Paid Net
IncomeTaxesPaidNet
3884000 USD
CY2020 us-gaap Income Taxes Paid Net
IncomeTaxesPaidNet
2829000 USD
CY2021 us-gaap Interest Paid Net
InterestPaidNet
46831000 USD
CY2020 us-gaap Interest Paid Net
InterestPaidNet
57140000 USD
CY2021 us-gaap Operating Lease Payments
OperatingLeasePayments
17603000 USD
CY2020 us-gaap Operating Lease Payments
OperatingLeasePayments
16244000 USD
CY2021 us-gaap Right Of Use Asset Obtained In Exchange For Operating Lease Liability
RightOfUseAssetObtainedInExchangeForOperatingLeaseLiability
12392000 USD
CY2020 us-gaap Right Of Use Asset Obtained In Exchange For Operating Lease Liability
RightOfUseAssetObtainedInExchangeForOperatingLeaseLiability
8826000 USD
CY2021 us-gaap Noncash Or Part Noncash Acquisition Net Nonmonetary Assets Acquired Liabilities Assumed1
NoncashOrPartNoncashAcquisitionNetNonmonetaryAssetsAcquiredLiabilitiesAssumed1
73181000 USD
CY2020 us-gaap Noncash Or Part Noncash Acquisition Net Nonmonetary Assets Acquired Liabilities Assumed1
NoncashOrPartNoncashAcquisitionNetNonmonetaryAssetsAcquiredLiabilitiesAssumed1
0 USD
CY2021 us-gaap Noncash Or Part Noncash Acquisition Fixed Assets Acquired1
NoncashOrPartNoncashAcquisitionFixedAssetsAcquired1
2103000 USD
CY2020 us-gaap Noncash Or Part Noncash Acquisition Fixed Assets Acquired1
NoncashOrPartNoncashAcquisitionFixedAssetsAcquired1
550000 USD
CY2021 oprt Other Noncash Financing Activities
OtherNoncashFinancingActivities
33000 USD
CY2020 oprt Other Noncash Financing Activities
OtherNoncashFinancingActivities
0 USD
CY2021 us-gaap Use Of Estimates
UseOfEstimates
<span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Use of Estimates ‑</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> The preparation of the consolidated financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the consolidated financial statements, and the reported amounts of income and expenses during the reporting period. These estimates are based on information available as of the date of the consolidated financial statements; therefore, actual results could differ from those estimates and assumptions.</span>
CY2021 us-gaap Concentration Risk Credit Risk
ConcentrationRiskCreditRisk
<span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Concentration of Credit Risk ‑ </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Financial instruments that potentially subject the Company to concentrations of credit risk consist principally of loans receivable at fair value. </span>As of December 31, 2021, 49%, 27%, 7% and 6% of the owned principal balance related to borrowers from California, Texas, Florida and Illinois, respectively. Owned principal balance related to borrowers from each of the remaining states of operation continues to be at or below 3%. As of December 31, 2020, 56%, 26%, 5% and 5% of the owned principal balance related to borrowers from California, Texas, Illinois and Florida, respectively, and the owned principal balance related to borrowers from each of the remaining states was at or below 3%.
CY2021Q4 us-gaap Financing Receivable Threshold Period Past Due
FinancingReceivableThresholdPeriodPastDue
P120D
CY2021 us-gaap Property Plant And Equipment Impairment
PropertyPlantAndEquipmentImpairment
<span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Impairment ‑ </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Company reviews long-lived assets, including fixed assets, right of use assets and system development costs, for impairment whenever events or changes in circumstances indicate that the carrying amount of the assets may not be fully recoverable. An impairment loss is recognized when estimated undiscounted future cash flows expected to result from the use of the asset and its eventual disposition are less than its carrying amount. The Company determined that there were no events or changes in circumstances that indicated our long-lived assets were impaired for the years ended December 31, 2021 and 2020, except as disclosed in </span><span style="color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:underline"><a href="#i559fc8c7ac0e403c913594c10b86d0da_2462" style="color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:underline">Note </a><a href="#i559fc8c7ac0e403c913594c10b86d0da_2462" style="color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:underline">7</a><a href="#i559fc8c7ac0e403c913594c10b86d0da_2462" style="color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:underline">,</a><a href="#i559fc8c7ac0e403c913594c10b86d0da_2462" style="color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:underline"> </a><a href="#i559fc8c7ac0e403c913594c10b86d0da_2462" style="color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:underline">Capitalized Software</a><a href="#i559fc8c7ac0e403c913594c10b86d0da_2462" style="color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:underline">, </a><a href="#i559fc8c7ac0e403c913594c10b86d0da_2462" style="color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:underline">Other Intangible</a><a href="#i559fc8c7ac0e403c913594c10b86d0da_2462" style="color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:underline">s and Goodwill</a></span>.
CY2020 us-gaap Impairment Of Long Lived Assets Held For Use
ImpairmentOfLongLivedAssetsHeldForUse
0 USD
CY2021 us-gaap Revenue Recognition Interest
RevenueRecognitionInterest
<div style="text-align:justify;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Revenue Recognition ‑ </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Company’s primary sources of revenue consist of interest and non-interest income. </span></div><div style="text-align:justify;text-indent:18pt"><span><br/></span></div><div style="text-align:justify;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">Interest Income</span></div><div style="text-align:justify;text-indent:18pt"><span><br/></span></div><div style="text-align:justify;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Interest income includes interest and fees on loans. Generally, the Company’s loans require semi-monthly or biweekly borrower payments of interest and principal. Fees on loans include billed late fees offset by charged-off fees and provision for uncollectible fees. The Company charges borrowers a late fee if a scheduled installment payment becomes delinquent. Depending on the loan, late fees are assessed when the loan is eight to 16 days delinquent. Late fees are recognized when they are billed. When a loan is charged off, uncollected late fees are also written off. For Loans Receivable at Fair Value, interest income includes (i) billed interest and late fees, plus (ii) origination fees recognized at loan disbursement, less (iii) charged-off interest and late fees, less (iv) provision for uncollectible interest and late fees. Additionally, direct loan origination expenses are recognized in operating expenses as incurred. For Loans Receivable at Fair Value, loan origination fees and costs are recognized when incurred.</span></div><div style="text-align:justify;text-indent:18pt"><span><br/></span></div><div style="text-align:justify;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Interest income on our personal loan receivables is recognized based upon the amount the Company expects to collect from its borrowers. When a loan becomes delinquent for a period of 90 days or more, interest income continues to be recorded until the loan is charged off. Delinquent loans are charged off at month-end during the month it becomes 120 days’ delinquent. For personal loans receivable, the Company mitigates the risk of income recorded for loans that are delinquent for 90 days or more by establishing a 100% provision and the provision for uncollectible interest and late fees is offset against interest income. Previously accrued and unpaid interest is also charged off in the month the Company receives a notification of bankruptcy, a judgment or mediated agreement by the court, or loss of life, unless there is evidence that the principal and interest are collectible. </span></div>Interest income on our credit card receivables is recognized on the current balance on the account, inclusive of outstanding principal balance plus previously unpaid interest and fees, at the end of the monthly billing cycle. Delinquent credit card accounts, including unpaid interest and fees are charged off at month-end during the month they become 180 days contractually past due.
CY2021Q4 oprt Service Fee Rate
ServiceFeeRate
0.050
CY2021 us-gaap Stock Issued During Period Shares Treasury Stock Reissued
StockIssuedDuringPeriodSharesTreasuryStockReissued
0 shares
CY2020 us-gaap Treasury Stock Shares Retired
TreasuryStockSharesRetired
0 shares
CY2021 us-gaap Treasury Stock Shares Retired
TreasuryStockSharesRetired
0 shares
CY2020 us-gaap Stock Issued During Period Shares Treasury Stock Reissued
StockIssuedDuringPeriodSharesTreasuryStockReissued
0 shares
CY2021 us-gaap Net Income Loss
NetIncomeLoss
47414000 USD
CY2020 us-gaap Net Income Loss
NetIncomeLoss
-45082000 USD
CY2021 us-gaap Net Income Loss Available To Common Stockholders Basic
NetIncomeLossAvailableToCommonStockholdersBasic
47414000 USD
CY2020 us-gaap Net Income Loss Available To Common Stockholders Basic
NetIncomeLossAvailableToCommonStockholdersBasic
-45082000 USD
CY2021 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
28191610 shares
CY2020 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
27333271 shares
CY2021 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
30323194 shares
CY2020 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
27333271 shares
CY2021 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
1.68
CY2020 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
-1.65
CY2021 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
1.56
CY2020 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
-1.65
CY2021 us-gaap Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount
AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount
2057095 shares
CY2020 us-gaap Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount
AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount
6660893 shares
CY2021Q4 oprt Minimum Loan Sale Rate Whole Loan Sale Program
MinimumLoanSaleRateWholeLoanSaleProgram
0.10
CY2021Q4 oprt Incremental Optional Loan Sale Rate Whole Loan Sale Program
IncrementalOptionalLoanSaleRateWholeLoanSaleProgram
0.05
CY2020Q3 oprt Minimum Loan Sale Rate Access Loan Program
MinimumLoanSaleRateAccessLoanProgram
1
CY2021 us-gaap Payments For Origination And Purchases Of Loans Held For Sale
PaymentsForOriginationAndPurchasesOfLoansHeldForSale
214600000 USD
CY2021 us-gaap Gain Loss On Sales Of Consumer Loans
GainLossOnSalesOfConsumerLoans
26800000 USD
CY2021 us-gaap Contractually Specified Servicing Fees Amount
ContractuallySpecifiedServicingFeesAmount
13300000 USD
CY2020 us-gaap Payments For Origination And Purchases Of Loans Held For Sale
PaymentsForOriginationAndPurchasesOfLoansHeldForSale
188500000 USD
CY2020 us-gaap Gain Loss On Sales Of Consumer Loans
GainLossOnSalesOfConsumerLoans
20300000 USD
CY2020 us-gaap Contractually Specified Servicing Fees Amount
ContractuallySpecifiedServicingFeesAmount
15300000 USD
CY2021Q4 us-gaap Share Price
SharePrice
20.72
CY2021Q4 oprt Payments To Acquire Business Gross Held In Escrow
PaymentsToAcquireBusinessGrossHeldInEscrow
1300000 USD
CY2021 us-gaap Capitalized Computer Software Additions
CapitalizedComputerSoftwareAdditions
28600000 USD
CY2020 us-gaap Capitalized Computer Software Additions
CapitalizedComputerSoftwareAdditions
21700000 USD
CY2021Q4 oprt Total Acquired Intangibles And Developed Technology
TotalAcquiredIntangiblesAndDevelopedTechnology
83800000 USD
CY2021 us-gaap Business Combination Pro Forma Information Revenue Of Acquiree Since Acquisition Date Actual
BusinessCombinationProFormaInformationRevenueOfAcquireeSinceAcquisitionDateActual
900000 USD
CY2021Q4 us-gaap Capitalized Computer Software Accumulated Amortization
CapitalizedComputerSoftwareAccumulatedAmortization
45433000 USD
CY2020Q4 us-gaap Capitalized Computer Software Accumulated Amortization
CapitalizedComputerSoftwareAccumulatedAmortization
28524000 USD
CY2021Q4 us-gaap Capitalized Computer Software Net
CapitalizedComputerSoftwareNet
87617000 USD
CY2020Q4 us-gaap Capitalized Computer Software Net
CapitalizedComputerSoftwareNet
27419000 USD
CY2021Q4 us-gaap Capitalized Contract Cost Amortization Period
CapitalizedContractCostAmortizationPeriod
P10D
CY2021Q4 us-gaap Finite Lived Intangible Assets Gross
FiniteLivedIntangibleAssetsGross
43864000 USD
CY2021Q4 us-gaap Finite Lived Intangible Assets Accumulated Amortization
FiniteLivedIntangibleAssetsAccumulatedAmortization
300000 USD
CY2021Q4 us-gaap Finite Lived Intangible Assets Net
FiniteLivedIntangibleAssetsNet
43564000 USD
CY2020Q4 us-gaap Finite Lived Intangible Assets Gross
FiniteLivedIntangibleAssetsGross
64000 USD
CY2020Q4 us-gaap Finite Lived Intangible Assets Accumulated Amortization
FiniteLivedIntangibleAssetsAccumulatedAmortization
0 USD
CY2020Q4 us-gaap Finite Lived Intangible Assets Net
FiniteLivedIntangibleAssetsNet
64000 USD
CY2021 us-gaap Amortization Of Intangible Assets
AmortizationOfIntangibleAssets
300000 USD
CY2020 us-gaap Amortization Of Intangible Assets
AmortizationOfIntangibleAssets
0 USD
CY2021Q4 us-gaap Finite Lived Intangible Assets Amortization Expense Next Twelve Months
FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths
7929000 USD
CY2021Q4 us-gaap Finite Lived Intangible Assets Amortization Expense Year Two
FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo
7929000 USD
CY2021Q4 us-gaap Finite Lived Intangible Assets Amortization Expense Year Three
FiniteLivedIntangibleAssetsAmortizationExpenseYearThree
7778000 USD
CY2021Q4 us-gaap Finite Lived Intangible Assets Amortization Expense Year Four
FiniteLivedIntangibleAssetsAmortizationExpenseYearFour
4929000 USD
CY2021Q4 oprt Finite Lived Intangible Asset Expected Amortization After Year Four
FiniteLivedIntangibleAssetExpectedAmortizationAfterYearFour
14637000 USD
CY2021Q4 oprt Finite Lived Intangible Asset Expected Amortization
FiniteLivedIntangibleAssetExpectedAmortization
43200000 USD
CY2020Q4 us-gaap Goodwill
Goodwill
0 USD
CY2021 us-gaap Goodwill Acquired During Period
GoodwillAcquiredDuringPeriod
104014000 USD
CY2021Q4 us-gaap Goodwill
Goodwill
104014000 USD
CY2021 us-gaap Goodwill Acquired During Period
GoodwillAcquiredDuringPeriod
104014000 USD
CY2021Q4 us-gaap Goodwill
Goodwill
104014000 USD
CY2021Q4 us-gaap Machinery And Equipment Gross
MachineryAndEquipmentGross
13658000 USD
CY2020Q4 us-gaap Machinery And Equipment Gross
MachineryAndEquipmentGross
11182000 USD
CY2021Q4 us-gaap Furniture And Fixtures Gross
FurnitureAndFixturesGross
8553000 USD
CY2020Q4 us-gaap Furniture And Fixtures Gross
FurnitureAndFixturesGross
11072000 USD
CY2021Q4 oprt Other Purchased Software Gross
OtherPurchasedSoftwareGross
2073000 USD
CY2020Q4 oprt Other Purchased Software Gross
OtherPurchasedSoftwareGross
1992000 USD
CY2021Q4 us-gaap Leasehold Improvements Gross
LeaseholdImprovementsGross
19816000 USD
CY2020Q4 us-gaap Leasehold Improvements Gross
LeaseholdImprovementsGross
29543000 USD
CY2021Q4 us-gaap Property Plant And Equipment Gross
PropertyPlantAndEquipmentGross
44100000 USD
CY2020Q4 us-gaap Property Plant And Equipment Gross
PropertyPlantAndEquipmentGross
53789000 USD
CY2021Q4 us-gaap Accumulated Depreciation Depletion And Amortization Property Plant And Equipment
AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment
34185000 USD
CY2020Q4 us-gaap Accumulated Depreciation Depletion And Amortization Property Plant And Equipment
AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment
37939000 USD
CY2021Q4 us-gaap Property Plant And Equipment Net
PropertyPlantAndEquipmentNet
9915000 USD
CY2020Q4 us-gaap Property Plant And Equipment Net
PropertyPlantAndEquipmentNet
15850000 USD
CY2021Q4 us-gaap Loans Receivable Held For Sale Amount
LoansReceivableHeldForSaleAmount
491000 USD
CY2020Q4 us-gaap Loans Receivable Held For Sale Amount
LoansReceivableHeldForSaleAmount
1158000 USD
CY2021Q4 us-gaap Prepaid Expense Current And Noncurrent
PrepaidExpenseCurrentAndNoncurrent
25355000 USD
CY2020Q4 us-gaap Prepaid Expense Current And Noncurrent
PrepaidExpenseCurrentAndNoncurrent
17241000 USD
CY2021Q4 us-gaap Deferred Income Tax Assets Net
DeferredIncomeTaxAssetsNet
3923000 USD
CY2020Q4 us-gaap Deferred Income Tax Assets Net
DeferredIncomeTaxAssetsNet
1716000 USD
CY2021Q4 us-gaap Income Tax Receivable
IncomeTaxReceivable
13330000 USD
CY2020Q4 us-gaap Income Tax Receivable
IncomeTaxReceivable
7457000 USD
CY2021Q4 us-gaap Other Assets Miscellaneous
OtherAssetsMiscellaneous
19330000 USD
CY2021Q4 us-gaap Other Assets
OtherAssets
72344000 USD
CY2020Q4 us-gaap Other Assets
OtherAssets
54206000 USD
CY2020Q4 us-gaap Other Assets Miscellaneous
OtherAssetsMiscellaneous
10784000 USD
CY2021 us-gaap Depreciation
Depreciation
9400000 USD
CY2020 us-gaap Depreciation
Depreciation
9400000 USD
CY2021Q4 us-gaap Warehouse Agreement Borrowings
WarehouseAgreementBorrowings
393889000 USD
CY2021Q4 us-gaap Line Of Credit Facility Maximum Borrowing Capacity
LineOfCreditFacilityMaximumBorrowingCapacity
750000000 USD
CY2021Q4 us-gaap Accounts Payable Current And Noncurrent
AccountsPayableCurrentAndNoncurrent
8343000 USD
CY2020Q4 us-gaap Accounts Payable Current And Noncurrent
AccountsPayableCurrentAndNoncurrent
1819000 USD
CY2021Q4 us-gaap Employee Related Liabilities Current And Noncurrent
EmployeeRelatedLiabilitiesCurrentAndNoncurrent
36417000 USD
CY2020Q4 us-gaap Employee Related Liabilities Current And Noncurrent
EmployeeRelatedLiabilitiesCurrentAndNoncurrent
32681000 USD
CY2021Q4 us-gaap Accrued Liabilities And Other Liabilities
AccruedLiabilitiesAndOtherLiabilities
36464000 USD
CY2020Q4 us-gaap Accrued Liabilities And Other Liabilities
AccruedLiabilitiesAndOtherLiabilities
17830000 USD
CY2021Q4 us-gaap Interest Payable Current And Noncurrent
InterestPayableCurrentAndNoncurrent
3276000 USD
CY2020Q4 us-gaap Interest Payable Current And Noncurrent
InterestPayableCurrentAndNoncurrent
3430000 USD
CY2021Q4 us-gaap Servicing Liability At Amortized Value Balance
ServicingLiabilityAtAmortizedValueBalance
14062000 USD
CY2020Q4 us-gaap Servicing Liability At Amortized Value Balance
ServicingLiabilityAtAmortizedValueBalance
6781000 USD
CY2021Q4 us-gaap Deferred Income Tax Liabilities Net
DeferredIncomeTaxLiabilitiesNet
28424000 USD
CY2020Q4 us-gaap Deferred Income Tax Liabilities Net
DeferredIncomeTaxLiabilitiesNet
10557000 USD
CY2021Q4 us-gaap Other Accrued Liabilities Current And Noncurrent
OtherAccruedLiabilitiesCurrentAndNoncurrent
8372000 USD
CY2020Q4 us-gaap Other Accrued Liabilities Current And Noncurrent
OtherAccruedLiabilitiesCurrentAndNoncurrent
5947000 USD
CY2021Q4 us-gaap Other Liabilities
OtherLiabilities
135358000 USD
CY2020Q4 us-gaap Other Liabilities
OtherLiabilities
79045000 USD
CY2020Q4 us-gaap Preferred Stock Shares Authorized
PreferredStockSharesAuthorized
100000000 shares
CY2021Q4 us-gaap Preferred Stock Shares Authorized
PreferredStockSharesAuthorized
100000000 shares
CY2020Q4 us-gaap Preferred Stock Shares Outstanding
PreferredStockSharesOutstanding
0 shares
CY2020Q4 us-gaap Preferred Stock Shares Issued
PreferredStockSharesIssued
0 shares
CY2021Q4 us-gaap Preferred Stock Shares Issued
PreferredStockSharesIssued
0 shares
CY2021Q4 us-gaap Preferred Stock Shares Outstanding
PreferredStockSharesOutstanding
0 shares
CY2020Q4 us-gaap Common Stock Shares Authorized
CommonStockSharesAuthorized
1000000000 shares
CY2021Q4 us-gaap Common Stock Shares Authorized
CommonStockSharesAuthorized
1000000000 shares
CY2020Q4 us-gaap Common Stock Par Or Stated Value Per Share
CommonStockParOrStatedValuePerShare
0.0001
CY2021Q4 us-gaap Common Stock Par Or Stated Value Per Share
CommonStockParOrStatedValuePerShare
0.0001
CY2021Q4 us-gaap Common Stock Shares Issued
CommonStockSharesIssued
32276419 shares
CY2021Q4 us-gaap Common Stock Shares Outstanding
CommonStockSharesOutstanding
32004396 shares
CY2021Q4 us-gaap Treasury Stock Common Shares
TreasuryStockCommonShares
272023 shares
CY2020Q4 us-gaap Common Stock Shares Issued
CommonStockSharesIssued
27951286 shares
CY2020Q4 us-gaap Common Stock Shares Outstanding
CommonStockSharesOutstanding
27679263 shares
CY2020Q4 us-gaap Treasury Stock Common Shares
TreasuryStockCommonShares
272023 shares
CY2020Q4 us-gaap Class Of Warrant Or Right Outstanding
ClassOfWarrantOrRightOutstanding
0 shares
CY2021Q4 us-gaap Class Of Warrant Or Right Outstanding
ClassOfWarrantOrRightOutstanding
0 shares
CY2021Q4 us-gaap Employee Stock Ownership Plan Esop Shares In Esop
EmployeeStockOwnershipPlanESOPSharesInESOP
1273009 shares
CY2020 oprt Employee Stock Ownership Plan Esop Number Of Additional Shares Authorized
EmployeeStockOwnershipPlanESOPNumberOfAdditionalSharesAuthorized
276792 shares
CY2021Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Maximum Employee Subscription Rate
ShareBasedCompensationArrangementByShareBasedPaymentAwardMaximumEmployeeSubscriptionRate
0.15
CY2021 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Purchase Price Of Common Stock Percent
SharebasedCompensationArrangementBySharebasedPaymentAwardPurchasePriceOfCommonStockPercent
0.85
CY2021 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Purchase Price Of Common Stock Percent
SharebasedCompensationArrangementBySharebasedPaymentAwardPurchasePriceOfCommonStockPercent
0.85
CY2020Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Number
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber
4391725 shares
CY2020Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Weighted Average Exercise Price
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice
14.61
CY2020 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Outstanding Weighted Average Remaining Contractual Term2
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2
P5Y5M4D
CY2020Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Intrinsic Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue
26059000 USD
CY2021 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Grants In Period Gross
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross
260792 shares
CY2021 us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Grants In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice
21.23
CY2021 us-gaap Stock Issued During Period Shares Stock Options Exercised
StockIssuedDuringPeriodSharesStockOptionsExercised
240047 shares
CY2021 us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Exercises In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice
13.63
CY2021 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Forfeitures And Expirations In Period
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriod
97084 shares
CY2021 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Forfeitures And Expirations In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriodWeightedAverageExercisePrice
25.75
CY2021 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Forfeitures In Period
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod
127531 shares
CY2021 us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Forfeitures In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice
20.98
CY2021Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Number
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber
4187855 shares
CY2021Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Weighted Average Exercise Price
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice
14.63
CY2021 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Outstanding Weighted Average Remaining Contractual Term2
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2
P4Y7M2D
CY2021Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Intrinsic Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue
27011000 USD
CY2021Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Vested And Expected To Vest Outstanding Number
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingNumber
4187855 shares
CY2021Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Vested And Expected To Vest Outstanding Weighted Average Exercise Price
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageExercisePrice
14.63
CY2021 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested And Expected To Vest Outstanding Weighted Average Remaining Contractual Term1
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageRemainingContractualTerm1
P4Y7M2D
CY2021Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Vested And Expected To Vest Outstanding Aggregate Intrinsic Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingAggregateIntrinsicValue
27011000 USD
CY2021Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercisable Number
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber
3437729 shares
CY2021Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercisable Weighted Average Exercise Price
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice
13.48
CY2021 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Exercisable Weighted Average Remaining Contractual Term1
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1
P3Y9M14D
CY2021Q4 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Exercisable Intrinsic Value1
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1
26315000 USD
CY2021 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Grants In Period Weighted Average Grant Date Fair Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue
12.11
CY2020 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Grants In Period Weighted Average Grant Date Fair Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue
9.10
CY2021 us-gaap Proceeds From Stock Options Exercised
ProceedsFromStockOptionsExercised
3272000 USD
CY2020 us-gaap Proceeds From Stock Options Exercised
ProceedsFromStockOptionsExercised
216000 USD
CY2021 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercises In Period Total Intrinsic Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue
2380000 USD
CY2020 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercises In Period Total Intrinsic Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue
622000 USD
CY2021 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested In Period Fair Value1
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedInPeriodFairValue1
4974000 USD
CY2020 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested In Period Fair Value1
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedInPeriodFairValue1
5710000 USD
CY2020Q4 oprt Share Based Compensation Arrangement By Share Based Payment Award Equity Instruments Other Than Options Vested In Period Deferred Delivery Number
ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodDeferredDeliveryNumber
10120 shares
CY2021 us-gaap Allocated Share Based Compensation Expense
AllocatedShareBasedCompensationExpense
18857000 USD
CY2020 us-gaap Allocated Share Based Compensation Expense
AllocatedShareBasedCompensationExpense
19488000 USD
CY2021 us-gaap Employee Service Share Based Compensation Allocation Of Recognized Period Costs Capitalized Amount
EmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsCapitalizedAmount
1000000 USD
CY2020 us-gaap Employee Service Share Based Compensation Allocation Of Recognized Period Costs Capitalized Amount
EmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsCapitalizedAmount
1000000 USD
CY2021 us-gaap Employee Service Share Based Compensation Tax Benefit From Compensation Expense
EmployeeServiceShareBasedCompensationTaxBenefitFromCompensationExpense
200000 USD
CY2020 us-gaap Employee Service Share Based Compensation Tax Benefit From Compensation Expense
EmployeeServiceShareBasedCompensationTaxBenefitFromCompensationExpense
-2600000 USD
CY2021 us-gaap Defined Contribution Plan Employer Matching Contribution Percent
DefinedContributionPlanEmployerMatchingContributionPercent
0.04
CY2021 us-gaap Defined Contribution Plan Employer Discretionary Contribution Amount
DefinedContributionPlanEmployerDiscretionaryContributionAmount
3700000 USD
CY2020 us-gaap Defined Contribution Plan Employer Discretionary Contribution Amount
DefinedContributionPlanEmployerDiscretionaryContributionAmount
2900000 USD
CY2021 oprt Interest Income Loans Consumer
InterestIncomeLoansConsumer
566155000 USD
CY2020 oprt Interest Income Loans Consumer
InterestIncomeLoansConsumer
538544000 USD
CY2021 oprt Fee Income Loans Consumer
FeeIncomeLoansConsumer
9684000 USD
CY2020 oprt Fee Income Loans Consumer
FeeIncomeLoansConsumer
6922000 USD
CY2021 us-gaap Interest And Fee Income Loans Consumer
InterestAndFeeIncomeLoansConsumer
575839000 USD
CY2020 us-gaap Interest And Fee Income Loans Consumer
InterestAndFeeIncomeLoansConsumer
545466000 USD
CY2021 us-gaap Gain Loss On Sale Of Notes Receivable
GainLossOnSaleOfNotesReceivable
26750000 USD
CY2020 us-gaap Gain Loss On Sale Of Notes Receivable
GainLossOnSaleOfNotesReceivable
20308000 USD
CY2021 us-gaap Contractually Specified Servicing Fees Amount
ContractuallySpecifiedServicingFeesAmount
13253000 USD
CY2020 us-gaap Deferred Foreign Income Tax Expense Benefit
DeferredForeignIncomeTaxExpenseBenefit
-153000 USD
CY2020 us-gaap Contractually Specified Servicing Fees Amount
ContractuallySpecifiedServicingFeesAmount
15264000 USD
CY2021 us-gaap Other Income
OtherIncome
10940000 USD
CY2020 us-gaap Other Income
OtherIncome
2696000 USD
CY2021 us-gaap Noninterest Income Other Operating Income
NoninterestIncomeOtherOperatingIncome
50943000 USD
CY2020 us-gaap Noninterest Income Other Operating Income
NoninterestIncomeOtherOperatingIncome
38268000 USD
CY2021 us-gaap Income Loss From Continuing Operations Before Income Taxes Domestic
IncomeLossFromContinuingOperationsBeforeIncomeTaxesDomestic
61087000 USD
CY2020 us-gaap Income Loss From Continuing Operations Before Income Taxes Domestic
IncomeLossFromContinuingOperationsBeforeIncomeTaxesDomestic
-58405000 USD
CY2021 us-gaap Income Loss From Continuing Operations Before Income Taxes Foreign
IncomeLossFromContinuingOperationsBeforeIncomeTaxesForeign
1704000 USD
CY2020 us-gaap Income Loss From Continuing Operations Before Income Taxes Foreign
IncomeLossFromContinuingOperationsBeforeIncomeTaxesForeign
311000 USD
CY2021 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
62791000 USD
CY2020 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
-58094000 USD
CY2021 us-gaap Current Federal Tax Expense Benefit
CurrentFederalTaxExpenseBenefit
-1394000 USD
CY2020 us-gaap Current Federal Tax Expense Benefit
CurrentFederalTaxExpenseBenefit
-1547000 USD
CY2021 us-gaap Current State And Local Tax Expense Benefit
CurrentStateAndLocalTaxExpenseBenefit
-516000 USD
CY2020 us-gaap Current State And Local Tax Expense Benefit
CurrentStateAndLocalTaxExpenseBenefit
2207000 USD
CY2021 us-gaap Current Foreign Tax Expense Benefit
CurrentForeignTaxExpenseBenefit
836000 USD
CY2020 us-gaap Current Foreign Tax Expense Benefit
CurrentForeignTaxExpenseBenefit
792000 USD
CY2021 us-gaap Current Income Tax Expense Benefit
CurrentIncomeTaxExpenseBenefit
-1074000 USD
CY2020 us-gaap Current Income Tax Expense Benefit
CurrentIncomeTaxExpenseBenefit
1452000 USD
CY2021 us-gaap Deferred Federal Income Tax Expense Benefit
DeferredFederalIncomeTaxExpenseBenefit
11005000 USD
CY2020 us-gaap Deferred Federal Income Tax Expense Benefit
DeferredFederalIncomeTaxExpenseBenefit
-7426000 USD
CY2021 us-gaap Deferred State And Local Income Tax Expense Benefit
DeferredStateAndLocalIncomeTaxExpenseBenefit
5372000 USD
CY2020 us-gaap Deferred State And Local Income Tax Expense Benefit
DeferredStateAndLocalIncomeTaxExpenseBenefit
-6885000 USD
CY2021 us-gaap Deferred Foreign Income Tax Expense Benefit
DeferredForeignIncomeTaxExpenseBenefit
74000 USD
CY2021 us-gaap Deferred Income Taxes And Tax Credits
DeferredIncomeTaxesAndTaxCredits
16451000 USD
CY2020 us-gaap Deferred Income Taxes And Tax Credits
DeferredIncomeTaxesAndTaxCredits
-14464000 USD
CY2021 us-gaap Federal Income Tax Expense Benefit Continuing Operations
FederalIncomeTaxExpenseBenefitContinuingOperations
15377000 USD
CY2020 us-gaap Federal Income Tax Expense Benefit Continuing Operations
FederalIncomeTaxExpenseBenefitContinuingOperations
-13012000 USD
CY2021 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
15400000 USD
CY2020 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
-13000000.0 USD
CY2021 us-gaap Effective Income Tax Rate Continuing Operations
EffectiveIncomeTaxRateContinuingOperations
0.245
CY2020 us-gaap Effective Income Tax Rate Continuing Operations
EffectiveIncomeTaxRateContinuingOperations
0.224
CY2021 us-gaap Income Tax Reconciliation Income Tax Expense Benefit At Federal Statutory Income Tax Rate
IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate
13186000 USD
CY2020 us-gaap Income Tax Reconciliation Income Tax Expense Benefit At Federal Statutory Income Tax Rate
IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate
-12200000 USD
CY2021 us-gaap Income Tax Reconciliation State And Local Income Taxes
IncomeTaxReconciliationStateAndLocalIncomeTaxes
4646000 USD
CY2020 us-gaap Income Tax Reconciliation State And Local Income Taxes
IncomeTaxReconciliationStateAndLocalIncomeTaxes
-4097000 USD
CY2021 us-gaap Income Tax Reconciliation Foreign Income Tax Rate Differential
IncomeTaxReconciliationForeignIncomeTaxRateDifferential
552000 USD
CY2020 us-gaap Income Tax Reconciliation Foreign Income Tax Rate Differential
IncomeTaxReconciliationForeignIncomeTaxRateDifferential
573000 USD
CY2021 us-gaap Income Tax Reconciliation Tax Credits
IncomeTaxReconciliationTaxCredits
1962000 USD
CY2020 us-gaap Income Tax Reconciliation Tax Credits
IncomeTaxReconciliationTaxCredits
1795000 USD
CY2021 us-gaap Income Tax Reconciliation Nondeductible Expense Share Based Compensation Cost
IncomeTaxReconciliationNondeductibleExpenseShareBasedCompensationCost
-353000 USD
CY2020 us-gaap Income Tax Reconciliation Nondeductible Expense Share Based Compensation Cost
IncomeTaxReconciliationNondeductibleExpenseShareBasedCompensationCost
2525000 USD
CY2021 us-gaap Income Tax Reconciliation Tax Contingencies
IncomeTaxReconciliationTaxContingencies
853000 USD
CY2020 us-gaap Income Tax Reconciliation Tax Contingencies
IncomeTaxReconciliationTaxContingencies
1993000 USD
CY2021 us-gaap Income Tax Reconciliation Prior Year Income Taxes
IncomeTaxReconciliationPriorYearIncomeTaxes
-172000 USD
CY2020 us-gaap Income Tax Reconciliation Prior Year Income Taxes
IncomeTaxReconciliationPriorYearIncomeTaxes
-1532000 USD
CY2021 oprt Effective Income Tax Rate Reconciliation Return To Provision Adjustment
EffectiveIncomeTaxRateReconciliationReturnToProvisionAdjustment
-2812000 USD
CY2020 oprt Effective Income Tax Rate Reconciliation Return To Provision Adjustment
EffectiveIncomeTaxRateReconciliationReturnToProvisionAdjustment
-277000 USD
CY2021 us-gaap Income Tax Reconciliation Nondeductible Expense Other
IncomeTaxReconciliationNondeductibleExpenseOther
0 USD
CY2020 us-gaap Income Tax Reconciliation Nondeductible Expense Other
IncomeTaxReconciliationNondeductibleExpenseOther
1333000 USD
CY2021 us-gaap Income Tax Reconciliation Nondeductible Expense
IncomeTaxReconciliationNondeductibleExpense
1458000 USD
CY2020 us-gaap Income Tax Reconciliation Nondeductible Expense
IncomeTaxReconciliationNondeductibleExpense
0 USD
CY2021 us-gaap Income Tax Reconciliation Other Adjustments
IncomeTaxReconciliationOtherAdjustments
-19000 USD
CY2020 us-gaap Income Tax Reconciliation Other Adjustments
IncomeTaxReconciliationOtherAdjustments
465000 USD
CY2021 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
15377000 USD
CY2020 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
-13012000 USD
CY2021 us-gaap Effective Income Tax Rate Continuing Operations
EffectiveIncomeTaxRateContinuingOperations
0.245
CY2020 us-gaap Effective Income Tax Rate Continuing Operations
EffectiveIncomeTaxRateContinuingOperations
0.224
CY2021Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Reserves And Accruals
DeferredTaxAssetsTaxDeferredExpenseReservesAndAccruals
3356000 USD
CY2020Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Reserves And Accruals
DeferredTaxAssetsTaxDeferredExpenseReservesAndAccruals
4007000 USD
CY2021Q4 oprt Deferred Tax Assets Rightof Use Assets
DeferredTaxAssetsRightofUseAssets
12859000 USD
CY2020Q4 oprt Deferred Tax Assets Rightof Use Assets
DeferredTaxAssetsRightofUseAssets
13427000 USD
CY2021Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Compensation And Benefits Share Based Compensation Cost
DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost
7410000 USD
CY2020Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Compensation And Benefits Share Based Compensation Cost
DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost
6824000 USD
CY2021Q4 us-gaap Deferred Tax Assets Property Plant And Equipment
DeferredTaxAssetsPropertyPlantAndEquipment
0 USD
CY2020Q4 us-gaap Deferred Tax Assets Property Plant And Equipment
DeferredTaxAssetsPropertyPlantAndEquipment
1967000 USD
CY2021Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Other
DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsOther
0 USD
CY2020Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Other
DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsOther
2372000 USD
CY2021Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Compensation And Benefits Other
DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsOther
536000 USD
CY2020Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Compensation And Benefits Other
DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsOther
1001000 USD
CY2021Q4 us-gaap Deferred Tax Assets Operating Loss Carryforwards
DeferredTaxAssetsOperatingLossCarryforwards
23916000 USD
CY2020Q4 us-gaap Deferred Tax Assets Operating Loss Carryforwards
DeferredTaxAssetsOperatingLossCarryforwards
1537000 USD
CY2021Q4 us-gaap Deferred Tax Assets Gross
DeferredTaxAssetsGross
48077000 USD
CY2020Q4 us-gaap Deferred Tax Assets Gross
DeferredTaxAssetsGross
31135000 USD
CY2021Q4 us-gaap Deferred Tax Assets Valuation Allowance
DeferredTaxAssetsValuationAllowance
0 USD
CY2020Q4 us-gaap Deferred Tax Assets Valuation Allowance
DeferredTaxAssetsValuationAllowance
0 USD
CY2021Q4 us-gaap Deferred Tax Liabilities Deferred Expense Capitalized Software
DeferredTaxLiabilitiesDeferredExpenseCapitalizedSoftware
22323000 USD
CY2020Q4 us-gaap Deferred Tax Liabilities Deferred Expense Capitalized Software
DeferredTaxLiabilitiesDeferredExpenseCapitalizedSoftware
7482000 USD
CY2021Q4 us-gaap Deferred Tax Liabilities Leasing Arrangements
DeferredTaxLiabilitiesLeasingArrangements
10353000 USD
CY2020Q4 us-gaap Deferred Tax Liabilities Leasing Arrangements
DeferredTaxLiabilitiesLeasingArrangements
12653000 USD
CY2021Q4 us-gaap Deferred Tax Liabilities Property Plant And Equipment
DeferredTaxLiabilitiesPropertyPlantAndEquipment
7112000 USD
CY2020Q4 us-gaap Deferred Tax Liabilities Property Plant And Equipment
DeferredTaxLiabilitiesPropertyPlantAndEquipment
0 USD
CY2021Q4 oprt Deferred Tax Liabilities Fair Value Adjustments Loans Receivable
DeferredTaxLiabilitiesFairValueAdjustmentsLoansReceivable
30718000 USD
CY2020Q4 oprt Deferred Tax Liabilities Fair Value Adjustments Loans Receivable
DeferredTaxLiabilitiesFairValueAdjustmentsLoansReceivable
19748000 USD
CY2021Q4 oprt Deferred Tax Liabilities Fair Value Adjustment Bonds Payable
DeferredTaxLiabilitiesFairValueAdjustmentBondsPayable
1838000 USD
CY2020Q4 oprt Deferred Tax Liabilities Fair Value Adjustment Bonds Payable
DeferredTaxLiabilitiesFairValueAdjustmentBondsPayable
0 USD
CY2021Q4 us-gaap Deferred Tax Liabilities Other
DeferredTaxLiabilitiesOther
234000 USD
CY2020Q4 us-gaap Deferred Tax Liabilities Other
DeferredTaxLiabilitiesOther
93000 USD
CY2021Q4 us-gaap Deferred Income Tax Liabilities
DeferredIncomeTaxLiabilities
72578000 USD
CY2020Q4 us-gaap Deferred Income Tax Liabilities
DeferredIncomeTaxLiabilities
39976000 USD
CY2021Q4 us-gaap Deferred Tax Liabilities
DeferredTaxLiabilities
24501000 USD
CY2020Q4 us-gaap Deferred Tax Liabilities
DeferredTaxLiabilities
8841000 USD
CY2021Q4 us-gaap Tax Credit Carryforward Amount
TaxCreditCarryforwardAmount
1600000 USD
CY2020Q4 us-gaap Unrecognized Tax Benefits
UnrecognizedTaxBenefits
3927000 USD
CY2019Q4 us-gaap Unrecognized Tax Benefits
UnrecognizedTaxBenefits
1933000 USD
CY2021 us-gaap Unrecognized Tax Benefits Increases Resulting From Current Period Tax Positions
UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions
680000 USD
CY2020 us-gaap Unrecognized Tax Benefits Increases Resulting From Current Period Tax Positions
UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions
563000 USD
CY2021 us-gaap Unrecognized Tax Benefits Decreases Resulting From Current Period Tax Positions
UnrecognizedTaxBenefitsDecreasesResultingFromCurrentPeriodTaxPositions
0 USD
CY2020 us-gaap Unrecognized Tax Benefits Decreases Resulting From Current Period Tax Positions
UnrecognizedTaxBenefitsDecreasesResultingFromCurrentPeriodTaxPositions
0 USD
CY2021 us-gaap Unrecognized Tax Benefits Increases Resulting From Prior Period Tax Positions
UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions
638000 USD
CY2020 us-gaap Unrecognized Tax Benefits Increases Resulting From Prior Period Tax Positions
UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions
1431000 USD
CY2021 us-gaap Unrecognized Tax Benefits Decreases Resulting From Prior Period Tax Positions
UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions
75000 USD
CY2020 us-gaap Unrecognized Tax Benefits Decreases Resulting From Prior Period Tax Positions
UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions
0 USD
CY2021Q4 us-gaap Unrecognized Tax Benefits
UnrecognizedTaxBenefits
5170000 USD
CY2020Q4 us-gaap Unrecognized Tax Benefits
UnrecognizedTaxBenefits
3927000 USD
CY2021 us-gaap Unrecognized Tax Benefits Income Tax Penalties And Interest Expense
UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestExpense
400000 USD
CY2020 us-gaap Unrecognized Tax Benefits Income Tax Penalties And Interest Expense
UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestExpense
300000 USD
CY2021Q4 oprt Unrecognized Tax Benefits Expiring In Next Twelve Months
UnrecognizedTaxBenefitsExpiringInNextTwelveMonths
400000 USD
CY2021Q4 us-gaap Unrecognized Tax Benefits That Would Impact Effective Tax Rate
UnrecognizedTaxBenefitsThatWouldImpactEffectiveTaxRate
3300000 USD
CY2021Q4 us-gaap Principal Amount Outstanding Of Loans Held In Portfolio
PrincipalAmountOutstandingOfLoansHeldInPortfolio
2272864000 USD
CY2021Q4 oprt Loansand Leases Receivable Grossat Fair Value
LoansandLeasesReceivableGrossatFairValue
2386807000 USD
CY2020Q4 us-gaap Principal Amount Outstanding Of Loans Held In Portfolio
PrincipalAmountOutstandingOfLoansHeldInPortfolio
1639626000 USD
CY2020Q4 oprt Loansand Leases Receivable Grossat Fair Value
LoansandLeasesReceivableGrossatFairValue
1696526000 USD
CY2021Q4 us-gaap Secured Debt
SecuredDebt
1654412000 USD
CY2021Q4 oprt Secured Debt Fair Value
SecuredDebtFairValue
1651706000 USD
CY2020Q4 us-gaap Secured Debt
SecuredDebt
1154419000 USD
CY2020Q4 oprt Secured Debt Fair Value
SecuredDebtFairValue
1167309000 USD
CY2021Q4 us-gaap Fair Value Option Loans Held As Assets90 Days Or More Past Due
FairValueOptionLoansHeldAsAssets90DaysOrMorePastDue
3500000 USD
CY2021Q4 oprt Fair Value Option Principal Balanceof Loans Heldas Assets90 Daysor More Past Due
FairValueOptionPrincipalBalanceofLoansHeldasAssets90DaysorMorePastDue
20700000 USD
CY2020Q4 us-gaap Fair Value Option Loans Held As Assets90 Days Or More Past Due
FairValueOptionLoansHeldAsAssets90DaysOrMorePastDue
2300000 USD
CY2020Q4 oprt Fair Value Option Principal Balanceof Loans Heldas Assets90 Daysor More Past Due
FairValueOptionPrincipalBalanceofLoansHeldasAssets90DaysorMorePastDue
14800000 USD
CY2021Q4 us-gaap Lessee Operating Lease Remaining Lease Term
LesseeOperatingLeaseRemainingLeaseTerm
P10Y
CY2021Q4 us-gaap Operating Lease Weighted Average Discount Rate Percent
OperatingLeaseWeightedAverageDiscountRatePercent
0.0401
CY2021Q4 us-gaap Lessee Operating Lease Liability Payments Due Next Twelve Months
LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths
14927000 USD
CY2021Q4 us-gaap Lessee Operating Lease Liability Payments Due Year Two
LesseeOperatingLeaseLiabilityPaymentsDueYearTwo
13214000 USD
CY2021Q4 us-gaap Lessee Operating Lease Liability Payments Due Year Three
LesseeOperatingLeaseLiabilityPaymentsDueYearThree
11142000 USD
CY2021Q4 us-gaap Lessee Operating Lease Liability Payments Due Year Four
LesseeOperatingLeaseLiabilityPaymentsDueYearFour
9238000 USD
CY2021Q4 us-gaap Lessee Operating Lease Liability Payments Due Year Five
LesseeOperatingLeaseLiabilityPaymentsDueYearFive
3387000 USD
CY2021Q4 us-gaap Lessee Operating Lease Liability Payments Due After Year Five
LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive
706000 USD
CY2021Q4 us-gaap Lessee Operating Lease Liability Payments Due
LesseeOperatingLeaseLiabilityPaymentsDue
52614000 USD
CY2021Q4 us-gaap Lessee Operating Lease Liability Undiscounted Excess Amount
LesseeOperatingLeaseLiabilityUndiscountedExcessAmount
4030000 USD
CY2021Q4 us-gaap Operating Lease Liability
OperatingLeaseLiability
48584000 USD
CY2021Q4 us-gaap Lessor Operating Lease Payments To Be Received Next Twelve Months
LessorOperatingLeasePaymentsToBeReceivedNextTwelveMonths
896000 USD
CY2021Q4 oprt Lessor Operating Lease Payment To Be Received After Year One
LessorOperatingLeasePaymentToBeReceivedAfterYearOne
0 USD
CY2021Q4 us-gaap Lessor Operating Lease Payments To Be Received
LessorOperatingLeasePaymentsToBeReceived
896000 USD
CY2021Q4 oprt Lessor Operating Lease Asset Undiscounted Excess Amount
LessorOperatingLeaseAssetUndiscountedExcessAmount
11000 USD
CY2021Q4 oprt Operating Lease Asset
OperatingLeaseAsset
885000 USD
CY2021Q4 oprt Operating Lease Liability Net
OperatingLeaseLiabilityNet
47699000 USD
CY2021Q4 us-gaap Operating Lease Weighted Average Remaining Lease Term1
OperatingLeaseWeightedAverageRemainingLeaseTerm1
P3Y10M24D
CY2020Q4 us-gaap Lessee Operating Lease Liability Payments Due Next Twelve Months
LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths
15788000 USD
CY2020Q4 us-gaap Lessee Operating Lease Liability Payments Due Year Two
LesseeOperatingLeaseLiabilityPaymentsDueYearTwo
12967000 USD
CY2020Q4 us-gaap Lessee Operating Lease Liability Payments Due Year Three
LesseeOperatingLeaseLiabilityPaymentsDueYearThree
10881000 USD
CY2020Q4 us-gaap Lessee Operating Lease Liability Payments Due Year Four
LesseeOperatingLeaseLiabilityPaymentsDueYearFour
9069000 USD
CY2020Q4 us-gaap Lessee Operating Lease Liability Payments Due Year Five
LesseeOperatingLeaseLiabilityPaymentsDueYearFive
6989000 USD
CY2020Q4 us-gaap Lessee Operating Lease Liability Payments Due After Year Five
LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive
1641000 USD
CY2020Q4 us-gaap Lessee Operating Lease Liability Payments Due
LesseeOperatingLeaseLiabilityPaymentsDue
57335000 USD
CY2020Q4 us-gaap Lessee Operating Lease Liability Undiscounted Excess Amount
LesseeOperatingLeaseLiabilityUndiscountedExcessAmount
5247000 USD
CY2020Q4 us-gaap Operating Lease Liability
OperatingLeaseLiability
52088000 USD
CY2020Q4 us-gaap Lessor Operating Lease Payments To Be Received Next Twelve Months
LessorOperatingLeasePaymentsToBeReceivedNextTwelveMonths
1594000 USD
CY2021Q4 us-gaap Lessor Operating Lease Payments To Be Received Two Years
LessorOperatingLeasePaymentsToBeReceivedTwoYears
896000 USD
CY2020Q4 oprt Lessor Operating Lease Payment To Be Received After Year Two
LessorOperatingLeasePaymentToBeReceivedAfterYearTwo
0 USD
CY2020Q4 us-gaap Lessor Operating Lease Payments To Be Received
LessorOperatingLeasePaymentsToBeReceived
2490000 USD
CY2020Q4 oprt Lessor Operating Lease Asset Undiscounted Excess Amount
LessorOperatingLeaseAssetUndiscountedExcessAmount
86000 USD
CY2020Q4 oprt Operating Lease Asset
OperatingLeaseAsset
2404000 USD
CY2020Q4 oprt Operating Lease Liability Net
OperatingLeaseLiabilityNet
49684000 USD
CY2020Q4 us-gaap Operating Lease Weighted Average Remaining Lease Term1
OperatingLeaseWeightedAverageRemainingLeaseTerm1
P4Y3M18D
CY2020Q4 us-gaap Operating Lease Weighted Average Discount Rate Percent
OperatingLeaseWeightedAverageDiscountRatePercent
0.0442
CY2021 us-gaap Operating Lease Expense
OperatingLeaseExpense
24300000 USD
CY2020 us-gaap Operating Lease Expense
OperatingLeaseExpense
20800000 USD
CY2021Q4 us-gaap Purchase Obligation Due In Next Twelve Months
PurchaseObligationDueInNextTwelveMonths
20600000 USD
CY2021Q4 us-gaap Purchase Obligation Due In Second Year
PurchaseObligationDueInSecondYear
12900000 USD
CY2021Q4 us-gaap Purchase Obligation Due In Third Year
PurchaseObligationDueInThirdYear
4100000 USD
CY2021Q4 us-gaap Purchase Obligation Due In Fourth Year
PurchaseObligationDueInFourthYear
1400000 USD
CY2021Q4 us-gaap Purchase Obligation Due After Fifth Year
PurchaseObligationDueAfterFifthYear
0 USD
CY2021Q1 oprt Retained Credit Card Originations Limit
RetainedCreditCardOriginationsLimit
25000000 USD
CY2021Q4 oprt Retained Credit Card Originations Limit
RetainedCreditCardOriginationsLimit
38500000 USD
CY2021Q4 us-gaap Proceeds From Lines Of Credit
ProceedsFromLinesOfCredit
41000000 USD
CY2021Q4 oprt Minimum Loan Sale Rate Whole Loan Sale Program
MinimumLoanSaleRateWholeLoanSaleProgram
0.10
CY2021Q4 oprt Incremental Optional Loan Sale Rate Whole Loan Sale Program
IncrementalOptionalLoanSaleRateWholeLoanSaleProgram
0.05
CY2021Q4 oprt Minimum Loan Sale Rate Access Loan Program
MinimumLoanSaleRateAccessLoanProgram
1
CY2021Q4 us-gaap Other Commitment
OtherCommitment
39800000 USD
CY2020Q4 us-gaap Other Commitment
OtherCommitment
3500000 USD
CY2020Q4 us-gaap Litigation Reserve
LitigationReserve
8800000 USD
CY2020Q4 us-gaap Payments For Legal Settlements
PaymentsForLegalSettlements
5800000 USD
CY2021Q4 us-gaap Litigation Reserve
LitigationReserve
3000000 USD
CY2021 us-gaap Litigation Settlement Expense
LitigationSettlementExpense
8800000 USD

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