| In millions, except per share items | Dec-31-22 | Dec-31-21 | Dec-31-20 | Dec-31-19 | Dec-31-18 | Dec-31-17 | Dec-31-16 |
| | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K | S-1/A |
| Revenue | | | | | | | |
| Interest income | 876.1 | 575.8 | 545.5 | | | | |
| Non-interest income | 76.4 | 50.9 | 38.3 | 56.0 | 48.8 | 33.0 | |
| Total revenue | 31.2 | 0.8 | 335.1 | 157.6 | 113.0 | 446.0 | 277.5 |
| Total revenue growth | 3735.9% | -99.8% | 112.6% | 39.4% | -74.7% | 60.7% | |
| Less: | | | | | | | |
| Interest expense | 93.0 | 47.7 | 58.4 | | | | |
| Net revenue | 31.2 | 0.8 | 335.1 | 157.6 | 113.0 | 446.0 | 277.5 |
| Net revenue growth | 3735.9% | -99.8% | 112.6% | 39.4% | -74.7% | 60.7% | |
| Operating expenses: | | | | | | | |
| Technology and facilities | 216.1 | 139.6 | 129.8 | 102.0 | 82.8 | 70.9 | |
| Sales and marketing | 110.0 | 116.9 | 89.4 | 97.2 | 77.6 | 58.1 | |
| Personnel | 154.9 | 115.8 | 106.4 | 90.6 | 63.3 | 47.2 | |
| Outsourcing and professional fees | 67.6 | 57.9 | 47.1 | 57.2 | 52.7 | 31.2 | |
| General, administrative and other | 497.4 | 350.8 | 303.8 | 265.3 | 209.7 | 166.1 | |
| Total operating expenses | 715.9 | 467.7 | 393.2 | 362.4 | 287.3 | 224.2 | 162.3 |
| Income (loss) before taxes | -75.3 | 62.8 | -58.1 | | | | |
| Income tax expense (benefit) | 2.5 | 15.4 | -13.0 | 22.8 | 46.7 | 12.3 | -34.8 |
| Net income (loss) | -77.7 | 47.4 | -45.1 | 61.6 | 123.4 | -10.2 | 50.9 |
| Net income (loss) attributable to common stockholders | -77.7 | 47.4 | -45.1 | 4.3 | 16.6 | -10.2 | 4.4 |
| |
| Share data: | | | | | | | |
| Earnings (loss) per share: | | | | | | | |
| Basic (in USD per share) | ($2.37) | $1.68 | ($1.65) | $0.46 | $6.42 | ($4.22) | $1.83 |
| Diluted (in USD per share) | ($2.37) | $1.56 | ($1.65) | $0.40 | $4.47 | ($4.22) | $1.28 |
| |
| Weighted average common shares outstanding: | | | | | | | |
| Basic (in shares) | 32.8 | 28.2 | 27.3 | 9.3 | 2.6 | 2.4 | 2.4 |
| Diluted (in shares) | 32.8 | 30.3 | 27.3 | 10.8 | 3.7 | 2.4 | 3.5 |