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CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($)
3 Months Ended 6 Months Ended
Sep. 30, 2023
Sep. 30, 2022
Sep. 30, 2023
Sep. 30, 2022
Revenues:        
Interest and fee income $ 116,953,114 $ 130,461,548 $ 233,572,028 $ 260,666,938
Insurance and other income, net 19,922,207 20,796,630 42,627,084 48,509,528
Total revenues 136,875,321 151,258,178 276,199,112 309,176,466
Expenses:        
Provision for credit losses 40,463,066 68,620,146 87,065,078 154,442,413
General and administrative expenses:        
Personnel 38,437,364 45,294,668 80,229,451 90,473,013
Occupancy and equipment 12,428,506 13,490,914 25,048,246 26,725,611
Advertising 2,241,707 1,009,797 4,991,251 3,218,192
Amortization of intangible assets 1,062,563 1,106,050 2,131,879 2,238,154
Other 8,777,372 8,792,876 18,671,889 18,689,730
Total general and administrative expenses 62,947,512 69,694,305 131,072,716 141,344,700
Interest expense 12,543,238 13,032,418 24,785,487 24,206,765
Total expenses 115,953,816 151,346,869 242,923,281 319,993,878
Income (loss) before income taxes 20,921,505 (88,691) 33,275,831 (10,817,412)
Income tax expense (benefit) 4,839,086 548,888 7,654,664 (1,613,361)
Net income (loss) $ 16,082,419 $ (637,579) $ 25,621,167 $ (9,204,051)
Net income (loss) per common share:        
Basic (in dollars per share) $ 2.78 $ (0.11) $ 4.44 $ (1.61)
Diluted (in dollars per share) $ 2.71 $ (0.11) $ 4.33 $ (1.61)
Weighted average common shares outstanding:        
Basic (in shares) 5,780,061 5,726,469 5,776,417 5,733,613
Diluted (in shares) 5,938,705 5,726,469 5,915,023 5,733,613