Note 2 - Significant Accounting Policies and Consolidated Financial Statement Components (Tables)

9 Months Ended

Sep. 30, 2020

Notes Tables

Financing Receivable, Current, Allowance for Credit Loss [Table Text Block]

For the Three Months Ended September 30, 2020	Credit Cards			Auto Finance			Other Unsecured Lending Products			Total
Allowance for uncollectible loans, interest and fees receivable:
Balance at beginning of period	$	(112.5	)	$	(1.8	)	$	(43.8	)	$	(158.1	)
Provision for loan losses		(14.9	)		(0.4	)		(1.7	)		(17.0	)
Charge offs		39.3			0.6			15.0			54.9
Recoveries		(2.8	)		(0.3	)		(2.6	)		(5.7	)
Balance at end of period	$	(90.9	)	$	(1.9	)	$	(33.1	)	$	(125.9	)

For the Nine Months Ended September 30, 2020	Credit Cards			Auto Finance			Other Unsecured Lending Products			Total
Allowance for uncollectible loans, interest and fees receivable:
Balance at beginning of period	$	(121.3	)	$	(1.6	)	$	(63.4	)	$	(186.3	)
Provision for loan losses		(96.1	)		(1.8	)		(19.0	)		(116.9	)
Charge offs		134.3			2.3			62.3			198.9
Recoveries		(7.8	)		(0.8	)		(13.0	)		(21.6	)
Balance at end of period	$	(90.9	)	$	(1.9	)	$	(33.1	)	$	(125.9	)

As of September 30, 2020	Credit Cards			Auto Finance			Other Unsecured Lending Products			Total
Allowance for uncollectible loans, interest and fees receivable:
Balance at end of period individually evaluated for impairment	$	—		$	(0.4	)	$	(0.3	)	$	(0.7	)
Balance at end of period collectively evaluated for impairment	$	(90.9	)	$	(1.5	)	$	(32.8	)	$	(125.2	)
Loans, interest and fees receivable:
Loans, interest and fees receivable, gross	$	370.9		$	90.5		$	233.9		$	695.3
Loans, interest and fees receivable individually evaluated for impairment	$	—		$	3.3		$	0.3		$	3.6
Loans, interest and fees receivable collectively evaluated for impairment	$	370.9		$	87.2		$	233.6		$	691.7

For the Three Months Ended September 30, 2019	Credit Cards			Auto Finance			Other Unsecured Lending Products			Total
Allowance for uncollectible loans, interest and fees receivable:
Balance at beginning of period	$	(55.3	)	$	(1.6	)	$	(43.3	)	$	(100.2	)
Provision for loan losses		(41.0	)		(0.6	)		(23.9	)		(65.5	)
Charge offs		20.0			1.0			14.8			35.8
Recoveries		(2.8	)		(0.4	)		(1.5	)		(4.7	)
Balance at end of period	$	(79.1	)	$	(1.6	)	$	(53.9	)	$	(134.6	)

For the Nine Months Ended September 30, 2019	Credit Cards			Auto Finance			Other Unsecured Lending Products			Total
Allowance for uncollectible loans, interest and fees receivable:
Balance at beginning of period	$	(35.4	)	$	(1.3	)	$	(42.5	)	$	(79.2	)
Provision for loan losses		(89.6	)		(2.6	)		(56.3	)		(148.5	)
Charge offs		49.4			3.4			49.0			101.8
Recoveries		(3.5	)		(1.1	)		(4.1	)		(8.7	)
Balance at end of period	$	(79.1	)	$	(1.6	)	$	(53.9	)	$	(134.6	)

As of December 31, 2019	Credit Cards			Auto Finance			Other Unsecured Lending Products			Total
Allowance for uncollectible loans, interest and fees receivable:
Balance at end of period individually evaluated for impairment	$	—		$	(0.4	)	$	(0.1	)	$	(0.5	)
Balance at end of period collectively evaluated for impairment	$	(121.3	)	$	(1.2	)	$	(63.3	)	$	(185.8	)
Loans, interest and fees receivable:
Loans, interest and fees receivable, gross	$	509.2		$	89.8		$	399.2		$	998.2
Loans, interest and fees receivable individually evaluated for impairment	$	—		$	2.1		$	0.1		$	2.2
Loans, interest and fees receivable collectively evaluated for impairment	$	509.2		$	87.7		$	399.1		$	996.0

Financing Receivable, Past Due [Table Text Block]

As of September 30, 2020	Credit Cards		Auto Finance		Other Unsecured Lending Products		Total
30-59 days past due	$	8.3	$	6.0	$	5.0	$	19.3
60-89 days past due		7.5		2.2		3.8		13.5
90 or more days past due		21.2		1.9		9.5		32.6
Delinquent loans, interest and fees receivable, gross		37.0		10.1		18.3		65.4
Current loans, interest and fees receivable, gross		333.9		80.4		215.6		629.9
Total loans, interest and fees receivable, gross	$	370.9	$	90.5	$	233.9	$	695.3
Balance of loans greater than 90-days delinquent still accruing interest and fees	$	—	$	1.3	$	—	$	1.3

As of December 31, 2019	Credit Cards		Auto Finance		Other Unsecured Lending Products		Total
30-59 days past due	$	21.7	$	8.1	$	14.0	$	43.8
60-89 days past due		18.5		3.0		11.5		33.0
90 or more days past due		46.6		2.6		27.2		76.4
Delinquent loans, interest and fees receivable, gross		86.8		13.7		52.7		153.2
Current loans, interest and fees receivable, gross		422.4		76.1		346.5		845.0
Total loans, interest and fees receivable, gross	$	509.2	$	89.8	$	399.2	$	998.2
Balance of loans greater than 90-days delinquent still accruing interest and fees	$	—	$	1.9	$	—	$	1.9

Financing Receivable, Troubled Debt Restructuring [Table Text Block]

	As of
	September 30, 2020				December 31, 2019
	Point-of-sale		Direct-to-consumer		Point-of-sale		Direct-to-consumer
Number of TDRs		14,460		40,401		10,682		14,553
Number of TDRs that have been re-aged		3,046		7,789		2,788		2,854
Amount of TDRs on non-accrual status (in thousands)	$	17,243	$	29,705	$	14,468	$	13,037
Amount of TDRs on non-accrual status above that have been re-aged (in thousands)	$	5,161	$	7,040	$	5,118	$	3,104
Carrying value of TDRs (in thousands)	$	12,260	$	19,701	$	8,864	$	7,312
TDRs - Performing (carrying value, in thousands)*	$	9,965	$	17,941	$	6,754	$	6,106
TDRs - Nonperforming (carrying value, in thousands)*	$	2,295	$	1,760	$	2,110	$	1,206

	Twelve Months Ended
	September 30, 2020				September 30, 2019
	Point-of-sale		Direct-to-consumer		Point-of-sale		Direct-to-consumer
Number of accounts		3,820		7,986		2,597		2,689
Loan balance at time of charge off (in thousands)	$	5,333	$	7,055	$	4,115	$	2,902

Components of Fees and Related Income on Earning Assets [Table Text Block]

	For the Three Months Ended September 30,				For the Nine Months Ended September 30,
	2020		2019		2020		2019
Fees on credit products	$	35,488	$	19,725	$	102,532	$	44,329
Changes in fair value of notes payable associated with structured financings recorded at fair value		73		346		553		1,673
Other		295		9		596		109
Total fees and related income on earning assets	$	35,856	$	20,080	$	103,681	$	46,111

Disaggregation of Revenue [Table Text Block]

	Credit and
For the Three Months Ended September 30, 2020	Other Investments		Auto Finance		Total
Interchange revenues, net (1)	$	2,732	$	—	$	2,732
Servicing income		262		265		527
Service charges and other customer related fees		1,447		16		1,463
Total revenue from contracts with customers	$	4,441	$	281	$	4,722

	Credit and
For the Nine Months Ended September 30, 2020	Other Investments		Auto Finance		Total
Interchange revenues, net (1)	$	6,554	$	—	$	6,554
Servicing income		886		733		1,619
Service charges and other customer related fees		2,136		49		2,185
Total revenue from contracts with customers	$	9,576	$	782	$	10,358

	Credit and
For the Three Months Ended September 30, 2019	Other Investments		Auto Finance		Total
Interchange revenues, net (1)	$	2,674	$	—	$	2,674
Servicing income		144		212		356
Service charges and other customer related fees		1,085		16		1,101
Total revenue from contracts with customers	$	3,903	$	228	$	4,131

	Credit and
For the Nine Months Ended September 30, 2019	Other Investments		Auto Finance		Total
Interchange revenues, net (1)	$	5,514	$	—	$	5,514
Servicing income		698		719		1,417
Service charges and other customer related fees		2,193		49		2,242
Total revenue from contracts with customers	$	8,405	$	768	$	9,173