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      "text": "Notes:\n1. Restructuring and other includes expenses incurred in the period associated with the Company's restructurings and other exit and disposal activities, which were presented separately in the income statement\nbeginning March 31, 2023\n2. Other costs consist of expenses incurred in the period associated with the Company's acquisitions and impairment charges. For the three months ended December 31, 2022 and earlier periods, other costs also\ninclude expenses related to exit and disposal activities, including one-time employee termination benefits\n3. Metrics are unaudited",
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      "text": "Three Months Ended March 31, 2024\nGAAP\nD&A\nStock-Based Compensation Expense\nEnterprise Warrant & Share Based Expenses\nRestructuring and other (1)\nOther costs (2)\nNon-GAAP\nLoss on loan purchase commitment\n44,143\n0\n0\n0\n0\n0\n44,143\nProvision for credit losses\n122,443\n0\n0\n0\n0\n0\n122,443\nFunding costs\n90,449\n0\n0\n0\n0\n0\n90,449\nProcessing and servicing\n88,209\n58\n165\n0\n0\n0\n87,986\nTotal Transaction Costs\n345,244\n58\n165\n0\n0\n0\n345,021\nTechnology and data analytics\n124,828\n43,841\n21,105\n0\n0\n0\n59,882\nSales and marketing\n132,950\n683\n3,858\n111,829\n0\n0\n16,580\nGeneral and administrative\n128,721\n606\n51,947\n0\n0\n0\n76,168\nRestructuring and other\n5,203\n0\n0\n0\n5,203\n0\n0\nOther Operating Expenses\n391,702\n45,130\n76,910\n111,829\n5,203\n0\n152,630\nTotal Operating Expenses\n736,946\n45,189\n77,075\n111,829\n5,203\n0\n497,651",
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      "text": "Three Months Ended June 30, 2024\nGAAP\nD&A\nStock-Based Compensation Expense\nEnterprise Warrant & Share Based Expenses\nRestructuring and other (1)\nOther costs (2)\nNon-GAAP\nLoss on loan purchase commitment\n47,756\n0\n0\n0\n0\n0\n47,756\nProvision for credit losses\n117,609\n0\n0\n0\n0\n0\n117,609\nFunding costs\n95,256\n0\n0\n0\n0\n0\n95,256\nProcessing and servicing\n89,166\n35\n114\n0\n0\n0\n89,017\nTotal Transaction Costs\n349,787\n35\n114\n0\n0\n0\n349,638\nTechnology and data analytics\n124,231\n42,875\n17,789\n0\n0\n0\n63,567\nSales and marketing\n135,324\n757\n2,746\n114,226\n0\n0\n17,595\nGeneral and administrative\n123,459\n616\n44,264\n0\n0\n0\n78,579\nRestructuring and other\n(156)\n0\n0\n0\n(156)\n0\n0\nOther Operating Expenses\n382,858\n44,249\n64,799\n114,226\n(156)\n0\n159,740\nTotal Operating Expenses\n732,645\n44,284\n64,913\n114,226\n(156)\n0\n509,378",
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