What changed: r4 to r5
Includes September Stride agreement and raised guidance; adds loan-investment and conditional cash-price bridge.
Retrieval clocks and internal hashes are excluded. Changed source or accounting definitions are not automatically an economic restatement. The authored reason describes the destination revision.
| Field | Before | After |
|---|---|---|
| /business/description | We created Chime to help everyday people make progress in their financial lives. For too long, millions of Americans, including the nearly 75% of the adult population that earn up to $100,000 annually, have struggled with bank relationships that are not always aligned with their best interests. So we set out to create a new approach, built on a foundation of trust rather than fine print and punitive fees. Through our direct relationships with FDIC-insured bank partners, we deliver easy-to-use products that address the most critical financial needs of everyday people — spending, saving, accessing liquidity, and building credit, all while avoiding punitive fees. Since our founding, we are proud to have created some of the most impactful product innovations in consumer banking and payments. Through our broad suite of products, we have built trusted relationships with 9.5 million Active Members, with the majority of them relying on Chime to. | Chime provides payments, liquidity, credit and related financial services through its consumer platform and partner banks. Interchange, transfer fees and lending-related services monetize member activity. Its proposed Stride Bank acquisition would add a regulated bank subsidiary, subject to approvals. |
| /business/drivers/0 | Through our direct relationships with FDIC-insured bank partners, we deliver easy-to-use products that address the most critical financial needs of everyday. | Member purchase volume, card mix and payment yield |
| /business/drivers/1 | Since our founding, we are proud to have created some of the most impactful product innovations in consumer banking and payments. | Platform monetization after credit and dispute losses |
| /business/drivers/2 | Through our broad suite of products, we have built trusted relationships with 9.5 million Active Members, with the majority of them relying on Chime to serve. | Loan funding, corporate cash and conditional bank acquisition |
| /estimates/basis | not yet estimated | Desk base scenario from the operating model; not consensus. Revenue basis: Revenue ($M). |
| /estimates/rows/2026Q3/as_of | None | 2026-09-20 |
| /estimates/rows/2026Q3/basis | None | Desk base scenario. Revenue basis: Revenue ($M). Calculated from the operating-model inputs below; not consensus or company guidance. |
| /estimates/rows/2026Q3/class | None | estimate |
| /estimates/rows/2026Q3/period | None | 2026Q3 |
| /estimates/rows/2026Q3/revenue | None | 705000000.0 |
| /estimates/rows/2026Q4/as_of | None | 2026-09-20 |
| /estimates/rows/2026Q4/basis | None | Desk base scenario. Revenue basis: Revenue ($M). Calculated from the operating-model inputs below; not consensus or company guidance. |
| /estimates/rows/2026Q4/class | None | estimate |
| /estimates/rows/2026Q4/period | None | 2026Q4 |
| /estimates/rows/2026Q4/revenue | None | 742845000.0 |
| /estimates/rows/2027Q1/as_of | None | 2026-09-20 |
| /estimates/rows/2027Q1/basis | None | Desk base scenario. Revenue basis: Revenue ($M). Calculated from the operating-model inputs below; not consensus or company guidance. |
| /estimates/rows/2027Q1/class | None | estimate |
| /estimates/rows/2027Q1/period | None | 2027Q1 |
| /estimates/rows/2027Q1/revenue | None | 790000000.0 |
| /estimates/rows/2027Q2/as_of | None | 2026-09-20 |
| /estimates/rows/2027Q2/basis | None | Desk base scenario. Revenue basis: Revenue ($M). Calculated from the operating-model inputs below; not consensus or company guidance. |
| /estimates/rows/2027Q2/class | None | estimate |
| /estimates/rows/2027Q2/period | None | 2027Q2 |
| /estimates/rows/2027Q2/revenue | None | 825000000.0 |
| /meta/as_of | 2026-09-18 | 2026-09-20 |
| /meta/business_authored | False | True |
| /meta/extract_accession | 0001795586-26-000013 | None |
| /meta/extract_filed | 2026-03-06 | None |
| /meta/extract_form | 10-K | None |
| /meta/extract_source | filing | authored |
| /meta/extract_url | https://www.sec.gov/Archives/edgar/data/1795586/000179558626000013/chym-20251231.htm | None |
| /meta/research_reviewed_at | None | 2026-09-20 |
| /meta/research_stage | None | operating_scenarios |
| /meta/revision | 4 | 5 |
| /meta/skeleton | True | False |
| /model/quarters/2025-03-31/fiscal_label | 2026Q1 | 2025Q2 |
| /operating_model/cells/base_2026q3_acquisition_cash:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2026q3_acquisition_cash:base/case | None | base |
| /operating_model/cells/base_2026q3_acquisition_cash:base/formula/op | None | multiply |
| /operating_model/cells/base_2026q3_acquisition_cash:base/formula/refs/0 | None | stride_price |
| /operating_model/cells/base_2026q3_acquisition_cash:base/formula/refs/1 | None | base_2026q3_stride_closing |
| /operating_model/cells/base_2026q3_acquisition_cash:base/id | None | base_2026q3_acquisition_cash |
| /operating_model/cells/base_2026q3_acquisition_cash:base/kind | None | derived |
| /operating_model/cells/base_2026q3_acquisition_cash:base/label | None | Conditional Stride purchase cash |
| /operating_model/cells/base_2026q3_acquisition_cash:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_acquisition_cash:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_acquisition_cash:base/value | None | 0.0 |
| /operating_model/cells/base_2026q3_adj_ebitda:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2026q3_adj_ebitda:base/case | None | base |
| /operating_model/cells/base_2026q3_adj_ebitda:base/formula/op | None | subtract |
| /operating_model/cells/base_2026q3_adj_ebitda:base/formula/refs/0 | None | base_2026q3_transaction_profit |
| /operating_model/cells/base_2026q3_adj_ebitda:base/formula/refs/1 | None | base_2026q3_adjusted_costs |
| /operating_model/cells/base_2026q3_adj_ebitda:base/id | None | base_2026q3_adj_ebitda |
| /operating_model/cells/base_2026q3_adj_ebitda:base/kind | None | derived |
| /operating_model/cells/base_2026q3_adj_ebitda:base/label | None | Adjusted EBITDA proxy |
| /operating_model/cells/base_2026q3_adj_ebitda:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_adj_ebitda:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_adj_ebitda:base/value | None | 118.5 |
| /operating_model/cells/base_2026q3_adjusted_costs:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q3_adjusted_costs:base/case | None | base |
| /operating_model/cells/base_2026q3_adjusted_costs:base/id | None | base_2026q3_adjusted_costs |
| /operating_model/cells/base_2026q3_adjusted_costs:base/kind | None | assumption |
| /operating_model/cells/base_2026q3_adjusted_costs:base/label | None | Adjusted product, sales and corporate cost |
| /operating_model/cells/base_2026q3_adjusted_costs:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_adjusted_costs:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_adjusted_costs:base/value | None | 399.75 |
| /operating_model/cells/base_2026q3_capex:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q3_capex:base/case | None | base |
| /operating_model/cells/base_2026q3_capex:base/id | None | base_2026q3_capex |
| /operating_model/cells/base_2026q3_capex:base/kind | None | assumption |
| /operating_model/cells/base_2026q3_capex:base/label | None | PP&E and purchased/internal software cash |
| /operating_model/cells/base_2026q3_capex:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_capex:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_capex:base/value | None | 10.0 |
| /operating_model/cells/base_2026q3_cash_adjustments:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q3_cash_adjustments:base/case | None | base |
| /operating_model/cells/base_2026q3_cash_adjustments:base/id | None | base_2026q3_cash_adjustments |
| /operating_model/cells/base_2026q3_cash_adjustments:base/kind | None | assumption |
| /operating_model/cells/base_2026q3_cash_adjustments:base/label | None | Cash costs excluded from adjusted EBITDA |
| /operating_model/cells/base_2026q3_cash_adjustments:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_cash_adjustments:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_cash_adjustments:base/value | None | 2.0 |
| /operating_model/cells/base_2026q3_cash_after_acquisition:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2026q3_cash_after_acquisition:base/case | None | base |
| /operating_model/cells/base_2026q3_cash_after_acquisition:base/formula/op | None | subtract |
| /operating_model/cells/base_2026q3_cash_after_acquisition:base/formula/refs/0 | None | base_2026q3_cash_after_funding |
| /operating_model/cells/base_2026q3_cash_after_acquisition:base/formula/refs/1 | None | base_2026q3_acquisition_cash |
| /operating_model/cells/base_2026q3_cash_after_acquisition:base/id | None | base_2026q3_cash_after_acquisition |
| /operating_model/cells/base_2026q3_cash_after_acquisition:base/kind | None | derived |
| /operating_model/cells/base_2026q3_cash_after_acquisition:base/label | None | Cash after proposed bank purchase |
| /operating_model/cells/base_2026q3_cash_after_acquisition:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_cash_after_acquisition:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_cash_after_acquisition:base/value | None | 59.5 |
| /operating_model/cells/base_2026q3_cash_after_funding:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2026q3_cash_after_funding:base/case | None | base |
| /operating_model/cells/base_2026q3_cash_after_funding:base/formula/op | None | subtract |
| /operating_model/cells/base_2026q3_cash_after_funding:base/formula/refs/0 | None | base_2026q3_cfo |
| /operating_model/cells/base_2026q3_cash_after_funding:base/formula/refs/1 | None | base_2026q3_investment |
| /operating_model/cells/base_2026q3_cash_after_funding:base/id | None | base_2026q3_cash_after_funding |
| /operating_model/cells/base_2026q3_cash_after_funding:base/kind | None | derived |
| /operating_model/cells/base_2026q3_cash_after_funding:base/label | None | Cash after loan funding and assets |
| /operating_model/cells/base_2026q3_cash_after_funding:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_cash_after_funding:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_cash_after_funding:base/value | None | 59.5 |
| /operating_model/cells/base_2026q3_cash_earnings:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2026q3_cash_earnings:base/case | None | base |
| /operating_model/cells/base_2026q3_cash_earnings:base/formula/op | None | sum |
| /operating_model/cells/base_2026q3_cash_earnings:base/formula/refs/0 | None | base_2026q3_adj_ebitda |
| /operating_model/cells/base_2026q3_cash_earnings:base/formula/refs/1 | None | base_2026q3_interest_income |
| /operating_model/cells/base_2026q3_cash_earnings:base/id | None | base_2026q3_cash_earnings |
| /operating_model/cells/base_2026q3_cash_earnings:base/kind | None | derived |
| /operating_model/cells/base_2026q3_cash_earnings:base/label | None | Adjusted EBITDA plus cash interest income |
| /operating_model/cells/base_2026q3_cash_earnings:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_cash_earnings:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_cash_earnings:base/value | None | 126.5 |
| /operating_model/cells/base_2026q3_cash_interest_tax:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q3_cash_interest_tax:base/case | None | base |
| /operating_model/cells/base_2026q3_cash_interest_tax:base/id | None | base_2026q3_cash_interest_tax |
| /operating_model/cells/base_2026q3_cash_interest_tax:base/kind | None | assumption |
| /operating_model/cells/base_2026q3_cash_interest_tax:base/label | None | Cash interest and taxes |
| /operating_model/cells/base_2026q3_cash_interest_tax:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_cash_interest_tax:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_cash_interest_tax:base/value | None | 5.0 |
| /operating_model/cells/base_2026q3_cash_uses:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2026q3_cash_uses:base/case | None | base |
| /operating_model/cells/base_2026q3_cash_uses:base/formula/op | None | sum |
| /operating_model/cells/base_2026q3_cash_uses:base/formula/refs/0 | None | base_2026q3_cash_adjustments |
| /operating_model/cells/base_2026q3_cash_uses:base/formula/refs/1 | None | base_2026q3_cash_interest_tax |
| /operating_model/cells/base_2026q3_cash_uses:base/formula/refs/2 | None | base_2026q3_wc |
| /operating_model/cells/base_2026q3_cash_uses:base/id | None | base_2026q3_cash_uses |
| /operating_model/cells/base_2026q3_cash_uses:base/kind | None | derived |
| /operating_model/cells/base_2026q3_cash_uses:base/label | None | Cash adjustments taxes interest and working capital |
| /operating_model/cells/base_2026q3_cash_uses:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_cash_uses:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_cash_uses:base/value | None | 22.0 |
| /operating_model/cells/base_2026q3_cfo:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2026q3_cfo:base/case | None | base |
| /operating_model/cells/base_2026q3_cfo:base/formula/op | None | subtract |
| /operating_model/cells/base_2026q3_cfo:base/formula/refs/0 | None | base_2026q3_cash_earnings |
| /operating_model/cells/base_2026q3_cfo:base/formula/refs/1 | None | base_2026q3_cash_uses |
| /operating_model/cells/base_2026q3_cfo:base/id | None | base_2026q3_cfo |
| /operating_model/cells/base_2026q3_cfo:base/kind | None | derived |
| /operating_model/cells/base_2026q3_cfo:base/label | None | Operating cash flow proxy |
| /operating_model/cells/base_2026q3_cfo:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_cfo:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_cfo:base/value | None | 104.5 |
| /operating_model/cells/base_2026q3_da:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q3_da:base/case | None | base |
| /operating_model/cells/base_2026q3_da:base/id | None | base_2026q3_da |
| /operating_model/cells/base_2026q3_da:base/kind | None | assumption |
| /operating_model/cells/base_2026q3_da:base/label | None | Total D&A |
| /operating_model/cells/base_2026q3_da:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_da:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_da:base/value | None | 8.0 |
| /operating_model/cells/base_2026q3_gaap_adjustments:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2026q3_gaap_adjustments:base/case | None | base |
| /operating_model/cells/base_2026q3_gaap_adjustments:base/formula/op | None | sum |
| /operating_model/cells/base_2026q3_gaap_adjustments:base/formula/refs/0 | None | base_2026q3_sbc |
| /operating_model/cells/base_2026q3_gaap_adjustments:base/formula/refs/1 | None | base_2026q3_da |
| /operating_model/cells/base_2026q3_gaap_adjustments:base/formula/refs/2 | None | base_2026q3_cash_adjustments |
| /operating_model/cells/base_2026q3_gaap_adjustments:base/id | None | base_2026q3_gaap_adjustments |
| /operating_model/cells/base_2026q3_gaap_adjustments:base/kind | None | derived |
| /operating_model/cells/base_2026q3_gaap_adjustments:base/label | None | SBC D&A and cash excluded costs |
| /operating_model/cells/base_2026q3_gaap_adjustments:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_gaap_adjustments:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_gaap_adjustments:base/value | None | 82.0 |
| /operating_model/cells/base_2026q3_gross_margin:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q3_gross_margin:base/case | None | base |
| /operating_model/cells/base_2026q3_gross_margin:base/id | None | base_2026q3_gross_margin |
| /operating_model/cells/base_2026q3_gross_margin:base/kind | None | assumption |
| /operating_model/cells/base_2026q3_gross_margin:base/label | None | Gross margin |
| /operating_model/cells/base_2026q3_gross_margin:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_gross_margin:base/unit | None | ratio |
| /operating_model/cells/base_2026q3_gross_margin:base/value | None | 0.89 |
| /operating_model/cells/base_2026q3_gross_profit:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2026q3_gross_profit:base/case | None | base |
| /operating_model/cells/base_2026q3_gross_profit:base/formula/op | None | multiply |
| /operating_model/cells/base_2026q3_gross_profit:base/formula/refs/0 | None | base_2026q3_revenue |
| /operating_model/cells/base_2026q3_gross_profit:base/formula/refs/1 | None | base_2026q3_gross_margin |
| /operating_model/cells/base_2026q3_gross_profit:base/id | None | base_2026q3_gross_profit |
| /operating_model/cells/base_2026q3_gross_profit:base/kind | None | derived |
| /operating_model/cells/base_2026q3_gross_profit:base/label | None | Gross profit after processing |
| /operating_model/cells/base_2026q3_gross_profit:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_gross_profit:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_gross_profit:base/value | None | 627.45 |
| /operating_model/cells/base_2026q3_interest_income:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q3_interest_income:base/case | None | base |
| /operating_model/cells/base_2026q3_interest_income:base/id | None | base_2026q3_interest_income |
| /operating_model/cells/base_2026q3_interest_income:base/kind | None | assumption |
| /operating_model/cells/base_2026q3_interest_income:base/label | None | Cash interest income |
| /operating_model/cells/base_2026q3_interest_income:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_interest_income:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_interest_income:base/value | None | 8.0 |
| /operating_model/cells/base_2026q3_investment:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2026q3_investment:base/case | None | base |
| /operating_model/cells/base_2026q3_investment:base/formula/op | None | sum |
| /operating_model/cells/base_2026q3_investment:base/formula/refs/0 | None | base_2026q3_net_loan_funding |
| /operating_model/cells/base_2026q3_investment:base/formula/refs/1 | None | base_2026q3_capex |
| /operating_model/cells/base_2026q3_investment:base/id | None | base_2026q3_investment |
| /operating_model/cells/base_2026q3_investment:base/kind | None | derived |
| /operating_model/cells/base_2026q3_investment:base/label | None | Loans and assets |
| /operating_model/cells/base_2026q3_investment:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_investment:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_investment:base/value | None | 45.0 |
| /operating_model/cells/base_2026q3_member_index:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q3_member_index:base/case | None | base |
| /operating_model/cells/base_2026q3_member_index:base/id | None | base_2026q3_member_index |
| /operating_model/cells/base_2026q3_member_index:base/kind | None | assumption |
| /operating_model/cells/base_2026q3_member_index:base/label | None | Active-member exposure index |
| /operating_model/cells/base_2026q3_member_index:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_member_index:base/unit | None | ratio |
| /operating_model/cells/base_2026q3_member_index:base/value | None | 1.025 |
| /operating_model/cells/base_2026q3_mypay_loss_rate:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q3_mypay_loss_rate:base/case | None | base |
| /operating_model/cells/base_2026q3_mypay_loss_rate:base/id | None | base_2026q3_mypay_loss_rate |
| /operating_model/cells/base_2026q3_mypay_loss_rate:base/kind | None | assumption |
| /operating_model/cells/base_2026q3_mypay_loss_rate:base/label | None | MyPay loss rate |
| /operating_model/cells/base_2026q3_mypay_loss_rate:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_mypay_loss_rate:base/unit | None | ratio |
| /operating_model/cells/base_2026q3_mypay_loss_rate:base/value | None | 0.009 |
| /operating_model/cells/base_2026q3_mypay_losses:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2026q3_mypay_losses:base/case | None | base |
| /operating_model/cells/base_2026q3_mypay_losses:base/formula/op | None | multiply |
| /operating_model/cells/base_2026q3_mypay_losses:base/formula/refs/0 | None | base_2026q3_mypay_originations |
| /operating_model/cells/base_2026q3_mypay_losses:base/formula/refs/1 | None | base_2026q3_mypay_loss_rate |
| /operating_model/cells/base_2026q3_mypay_losses:base/id | None | base_2026q3_mypay_losses |
| /operating_model/cells/base_2026q3_mypay_losses:base/kind | None | derived |
| /operating_model/cells/base_2026q3_mypay_losses:base/label | None | MyPay loss allowance |
| /operating_model/cells/base_2026q3_mypay_losses:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_mypay_losses:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_mypay_losses:base/value | None | 43.199999999999996 |
| /operating_model/cells/base_2026q3_mypay_originations:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q3_mypay_originations:base/case | None | base |
| /operating_model/cells/base_2026q3_mypay_originations:base/id | None | base_2026q3_mypay_originations |
| /operating_model/cells/base_2026q3_mypay_originations:base/kind | None | assumption |
| /operating_model/cells/base_2026q3_mypay_originations:base/label | None | MyPay origination activity |
| /operating_model/cells/base_2026q3_mypay_originations:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_mypay_originations:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_mypay_originations:base/value | None | 4800.0 |
| /operating_model/cells/base_2026q3_net_loan_funding:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q3_net_loan_funding:base/case | None | base |
| /operating_model/cells/base_2026q3_net_loan_funding:base/id | None | base_2026q3_net_loan_funding |
| /operating_model/cells/base_2026q3_net_loan_funding:base/kind | None | assumption |
| /operating_model/cells/base_2026q3_net_loan_funding:base/label | None | Loans purchased less repayments |
| /operating_model/cells/base_2026q3_net_loan_funding:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_net_loan_funding:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_net_loan_funding:base/value | None | 35.0 |
| /operating_model/cells/base_2026q3_operating_income:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2026q3_operating_income:base/case | None | base |
| /operating_model/cells/base_2026q3_operating_income:base/formula/op | None | subtract |
| /operating_model/cells/base_2026q3_operating_income:base/formula/refs/0 | None | base_2026q3_adj_ebitda |
| /operating_model/cells/base_2026q3_operating_income:base/formula/refs/1 | None | base_2026q3_gaap_adjustments |
| /operating_model/cells/base_2026q3_operating_income:base/id | None | base_2026q3_operating_income |
| /operating_model/cells/base_2026q3_operating_income:base/kind | None | derived |
| /operating_model/cells/base_2026q3_operating_income:base/label | None | Operating income proxy |
| /operating_model/cells/base_2026q3_operating_income:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_operating_income:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_operating_income:base/value | None | 36.5 |
| /operating_model/cells/base_2026q3_other_risk:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q3_other_risk:base/case | None | base |
| /operating_model/cells/base_2026q3_other_risk:base/id | None | base_2026q3_other_risk |
| /operating_model/cells/base_2026q3_other_risk:base/kind | None | assumption |
| /operating_model/cells/base_2026q3_other_risk:base/label | None | Other lending, dispute and risk cost |
| /operating_model/cells/base_2026q3_other_risk:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_other_risk:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_other_risk:base/value | None | 66.0 |
| /operating_model/cells/base_2026q3_payment_yield:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q3_payment_yield:base/case | None | base |
| /operating_model/cells/base_2026q3_payment_yield:base/id | None | base_2026q3_payment_yield |
| /operating_model/cells/base_2026q3_payment_yield:base/kind | None | assumption |
| /operating_model/cells/base_2026q3_payment_yield:base/label | None | Net payments yield |
| /operating_model/cells/base_2026q3_payment_yield:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_payment_yield:base/unit | None | ratio |
| /operating_model/cells/base_2026q3_payment_yield:base/value | None | 0.01125 |
| /operating_model/cells/base_2026q3_payments:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2026q3_payments:base/case | None | base |
| /operating_model/cells/base_2026q3_payments:base/formula/op | None | multiply |
| /operating_model/cells/base_2026q3_payments:base/formula/refs/0 | None | base_2026q3_purchase_volume |
| /operating_model/cells/base_2026q3_payments:base/formula/refs/1 | None | base_2026q3_payment_yield |
| /operating_model/cells/base_2026q3_payments:base/id | None | base_2026q3_payments |
| /operating_model/cells/base_2026q3_payments:base/kind | None | derived |
| /operating_model/cells/base_2026q3_payments:base/label | None | Payments revenue |
| /operating_model/cells/base_2026q3_payments:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_payments:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_payments:base/value | None | 450.0 |
| /operating_model/cells/base_2026q3_platform:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2026q3_platform:base/case | None | base |
| /operating_model/cells/base_2026q3_platform:base/formula/op | None | multiply |
| /operating_model/cells/base_2026q3_platform:base/formula/refs/0 | None | q2_platform |
| /operating_model/cells/base_2026q3_platform:base/formula/refs/1 | None | base_2026q3_member_index |
| /operating_model/cells/base_2026q3_platform:base/formula/refs/2 | None | base_2026q3_platform_monetization |
| /operating_model/cells/base_2026q3_platform:base/id | None | base_2026q3_platform |
| /operating_model/cells/base_2026q3_platform:base/kind | None | derived |
| /operating_model/cells/base_2026q3_platform:base/label | None | Platform revenue |
| /operating_model/cells/base_2026q3_platform:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_platform:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_platform:base/value | None | 255.00000000000003 |
| /operating_model/cells/base_2026q3_platform_monetization:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q3_platform_monetization:base/case | None | base |
| /operating_model/cells/base_2026q3_platform_monetization:base/id | None | base_2026q3_platform_monetization |
| /operating_model/cells/base_2026q3_platform_monetization:base/kind | None | assumption |
| /operating_model/cells/base_2026q3_platform_monetization:base/label | None | Platform monetization index |
| /operating_model/cells/base_2026q3_platform_monetization:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_platform_monetization:base/unit | None | ratio |
| /operating_model/cells/base_2026q3_platform_monetization:base/value | None | 1.03771387969783 |
| /operating_model/cells/base_2026q3_purchase_volume:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q3_purchase_volume:base/case | None | base |
| /operating_model/cells/base_2026q3_purchase_volume:base/id | None | base_2026q3_purchase_volume |
| /operating_model/cells/base_2026q3_purchase_volume:base/kind | None | assumption |
| /operating_model/cells/base_2026q3_purchase_volume:base/label | None | Purchase volume |
| /operating_model/cells/base_2026q3_purchase_volume:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_purchase_volume:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_purchase_volume:base/value | None | 40000.0 |
| /operating_model/cells/base_2026q3_revenue:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2026q3_revenue:base/case | None | base |
| /operating_model/cells/base_2026q3_revenue:base/formula/op | None | sum |
| /operating_model/cells/base_2026q3_revenue:base/formula/refs/0 | None | base_2026q3_payments |
| /operating_model/cells/base_2026q3_revenue:base/formula/refs/1 | None | base_2026q3_platform |
| /operating_model/cells/base_2026q3_revenue:base/id | None | base_2026q3_revenue |
| /operating_model/cells/base_2026q3_revenue:base/kind | None | derived |
| /operating_model/cells/base_2026q3_revenue:base/label | None | Revenue |
| /operating_model/cells/base_2026q3_revenue:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_revenue:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_revenue:base/value | None | 705.0 |
| /operating_model/cells/base_2026q3_risk:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2026q3_risk:base/case | None | base |
| /operating_model/cells/base_2026q3_risk:base/formula/op | None | sum |
| /operating_model/cells/base_2026q3_risk:base/formula/refs/0 | None | base_2026q3_mypay_losses |
| /operating_model/cells/base_2026q3_risk:base/formula/refs/1 | None | base_2026q3_other_risk |
| /operating_model/cells/base_2026q3_risk:base/id | None | base_2026q3_risk |
| /operating_model/cells/base_2026q3_risk:base/kind | None | derived |
| /operating_model/cells/base_2026q3_risk:base/label | None | Transaction and risk loss allowance |
| /operating_model/cells/base_2026q3_risk:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_risk:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_risk:base/value | None | 109.19999999999999 |
| /operating_model/cells/base_2026q3_sbc:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q3_sbc:base/case | None | base |
| /operating_model/cells/base_2026q3_sbc:base/id | None | base_2026q3_sbc |
| /operating_model/cells/base_2026q3_sbc:base/kind | None | assumption |
| /operating_model/cells/base_2026q3_sbc:base/label | None | Total SBC and stock charitable cost |
| /operating_model/cells/base_2026q3_sbc:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_sbc:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_sbc:base/value | None | 72.0 |
| /operating_model/cells/base_2026q3_stride_closing:base/basis | None | Conditional quarter placement; expected H1 2027, downside assumes delay. No acquired operations or synergy booked. |
| /operating_model/cells/base_2026q3_stride_closing:base/case | None | base |
| /operating_model/cells/base_2026q3_stride_closing:base/id | None | base_2026q3_stride_closing |
| /operating_model/cells/base_2026q3_stride_closing:base/kind | None | assumption |
| /operating_model/cells/base_2026q3_stride_closing:base/label | None | Stride closing switch |
| /operating_model/cells/base_2026q3_stride_closing:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_stride_closing:base/unit | None | ratio |
| /operating_model/cells/base_2026q3_stride_closing:base/value | None | 0.0 |
| /operating_model/cells/base_2026q3_transaction_profit:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2026q3_transaction_profit:base/case | None | base |
| /operating_model/cells/base_2026q3_transaction_profit:base/formula/op | None | subtract |
| /operating_model/cells/base_2026q3_transaction_profit:base/formula/refs/0 | None | base_2026q3_gross_profit |
| /operating_model/cells/base_2026q3_transaction_profit:base/formula/refs/1 | None | base_2026q3_risk |
| /operating_model/cells/base_2026q3_transaction_profit:base/id | None | base_2026q3_transaction_profit |
| /operating_model/cells/base_2026q3_transaction_profit:base/kind | None | derived |
| /operating_model/cells/base_2026q3_transaction_profit:base/label | None | Transaction profit |
| /operating_model/cells/base_2026q3_transaction_profit:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_transaction_profit:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_transaction_profit:base/value | None | 518.25 |
| /operating_model/cells/base_2026q3_wc:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q3_wc:base/case | None | base |
| /operating_model/cells/base_2026q3_wc:base/id | None | base_2026q3_wc |
| /operating_model/cells/base_2026q3_wc:base/kind | None | assumption |
| /operating_model/cells/base_2026q3_wc:base/label | None | Product collateral and net operating working-capital use |
| /operating_model/cells/base_2026q3_wc:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_wc:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_wc:base/value | None | 15.0 |
| /operating_model/cells/base_2026q4_acquisition_cash:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2026q4_acquisition_cash:base/case | None | base |
| /operating_model/cells/base_2026q4_acquisition_cash:base/formula/op | None | multiply |
| /operating_model/cells/base_2026q4_acquisition_cash:base/formula/refs/0 | None | stride_price |
| /operating_model/cells/base_2026q4_acquisition_cash:base/formula/refs/1 | None | base_2026q4_stride_closing |
| /operating_model/cells/base_2026q4_acquisition_cash:base/id | None | base_2026q4_acquisition_cash |
| /operating_model/cells/base_2026q4_acquisition_cash:base/kind | None | derived |
| /operating_model/cells/base_2026q4_acquisition_cash:base/label | None | Conditional Stride purchase cash |
| /operating_model/cells/base_2026q4_acquisition_cash:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_acquisition_cash:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_acquisition_cash:base/value | None | 0.0 |
| /operating_model/cells/base_2026q4_adj_ebitda:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2026q4_adj_ebitda:base/case | None | base |
| /operating_model/cells/base_2026q4_adj_ebitda:base/formula/op | None | subtract |
| /operating_model/cells/base_2026q4_adj_ebitda:base/formula/refs/0 | None | base_2026q4_transaction_profit |
| /operating_model/cells/base_2026q4_adj_ebitda:base/formula/refs/1 | None | base_2026q4_adjusted_costs |
| /operating_model/cells/base_2026q4_adj_ebitda:base/id | None | base_2026q4_adj_ebitda |
| /operating_model/cells/base_2026q4_adj_ebitda:base/kind | None | derived |
| /operating_model/cells/base_2026q4_adj_ebitda:base/label | None | Adjusted EBITDA proxy |
| /operating_model/cells/base_2026q4_adj_ebitda:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_adj_ebitda:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_adj_ebitda:base/value | None | 146.284 |
| /operating_model/cells/base_2026q4_adjusted_costs:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q4_adjusted_costs:base/case | None | base |
| /operating_model/cells/base_2026q4_adjusted_costs:base/id | None | base_2026q4_adjusted_costs |
| /operating_model/cells/base_2026q4_adjusted_costs:base/kind | None | assumption |
| /operating_model/cells/base_2026q4_adjusted_costs:base/label | None | Adjusted product, sales and corporate cost |
| /operating_model/cells/base_2026q4_adjusted_costs:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_adjusted_costs:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_adjusted_costs:base/value | None | 400.84805000000006 |
| /operating_model/cells/base_2026q4_capex:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q4_capex:base/case | None | base |
| /operating_model/cells/base_2026q4_capex:base/id | None | base_2026q4_capex |
| /operating_model/cells/base_2026q4_capex:base/kind | None | assumption |
| /operating_model/cells/base_2026q4_capex:base/label | None | PP&E and purchased/internal software cash |
| /operating_model/cells/base_2026q4_capex:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_capex:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_capex:base/value | None | 11.0 |
| /operating_model/cells/base_2026q4_cash_adjustments:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q4_cash_adjustments:base/case | None | base |
| /operating_model/cells/base_2026q4_cash_adjustments:base/id | None | base_2026q4_cash_adjustments |
| /operating_model/cells/base_2026q4_cash_adjustments:base/kind | None | assumption |
| /operating_model/cells/base_2026q4_cash_adjustments:base/label | None | Cash costs excluded from adjusted EBITDA |
| /operating_model/cells/base_2026q4_cash_adjustments:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_cash_adjustments:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_cash_adjustments:base/value | None | 2.0 |
| /operating_model/cells/base_2026q4_cash_after_acquisition:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2026q4_cash_after_acquisition:base/case | None | base |
| /operating_model/cells/base_2026q4_cash_after_acquisition:base/formula/op | None | subtract |
| /operating_model/cells/base_2026q4_cash_after_acquisition:base/formula/refs/0 | None | base_2026q4_cash_after_funding |
| /operating_model/cells/base_2026q4_cash_after_acquisition:base/formula/refs/1 | None | base_2026q4_acquisition_cash |
| /operating_model/cells/base_2026q4_cash_after_acquisition:base/id | None | base_2026q4_cash_after_acquisition |
| /operating_model/cells/base_2026q4_cash_after_acquisition:base/kind | None | derived |
| /operating_model/cells/base_2026q4_cash_after_acquisition:base/label | None | Cash after proposed bank purchase |
| /operating_model/cells/base_2026q4_cash_after_acquisition:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_cash_after_acquisition:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_cash_after_acquisition:base/value | None | 74.28399999999999 |
| /operating_model/cells/base_2026q4_cash_after_funding:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2026q4_cash_after_funding:base/case | None | base |
| /operating_model/cells/base_2026q4_cash_after_funding:base/formula/op | None | subtract |
| /operating_model/cells/base_2026q4_cash_after_funding:base/formula/refs/0 | None | base_2026q4_cfo |
| /operating_model/cells/base_2026q4_cash_after_funding:base/formula/refs/1 | None | base_2026q4_investment |
| /operating_model/cells/base_2026q4_cash_after_funding:base/id | None | base_2026q4_cash_after_funding |
| /operating_model/cells/base_2026q4_cash_after_funding:base/kind | None | derived |
| /operating_model/cells/base_2026q4_cash_after_funding:base/label | None | Cash after loan funding and assets |
| /operating_model/cells/base_2026q4_cash_after_funding:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_cash_after_funding:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_cash_after_funding:base/value | None | 74.28399999999999 |
| /operating_model/cells/base_2026q4_cash_earnings:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2026q4_cash_earnings:base/case | None | base |
| /operating_model/cells/base_2026q4_cash_earnings:base/formula/op | None | sum |
| /operating_model/cells/base_2026q4_cash_earnings:base/formula/refs/0 | None | base_2026q4_adj_ebitda |
| /operating_model/cells/base_2026q4_cash_earnings:base/formula/refs/1 | None | base_2026q4_interest_income |
| /operating_model/cells/base_2026q4_cash_earnings:base/id | None | base_2026q4_cash_earnings |
| /operating_model/cells/base_2026q4_cash_earnings:base/kind | None | derived |
| /operating_model/cells/base_2026q4_cash_earnings:base/label | None | Adjusted EBITDA plus cash interest income |
| /operating_model/cells/base_2026q4_cash_earnings:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_cash_earnings:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_cash_earnings:base/value | None | 154.284 |
| /operating_model/cells/base_2026q4_cash_interest_tax:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q4_cash_interest_tax:base/case | None | base |
| /operating_model/cells/base_2026q4_cash_interest_tax:base/id | None | base_2026q4_cash_interest_tax |
| /operating_model/cells/base_2026q4_cash_interest_tax:base/kind | None | assumption |
| /operating_model/cells/base_2026q4_cash_interest_tax:base/label | None | Cash interest and taxes |
| /operating_model/cells/base_2026q4_cash_interest_tax:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_cash_interest_tax:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_cash_interest_tax:base/value | None | 7.0 |
| /operating_model/cells/base_2026q4_cash_uses:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2026q4_cash_uses:base/case | None | base |
| /operating_model/cells/base_2026q4_cash_uses:base/formula/op | None | sum |
| /operating_model/cells/base_2026q4_cash_uses:base/formula/refs/0 | None | base_2026q4_cash_adjustments |
| /operating_model/cells/base_2026q4_cash_uses:base/formula/refs/1 | None | base_2026q4_cash_interest_tax |
| /operating_model/cells/base_2026q4_cash_uses:base/formula/refs/2 | None | base_2026q4_wc |
| /operating_model/cells/base_2026q4_cash_uses:base/id | None | base_2026q4_cash_uses |
| /operating_model/cells/base_2026q4_cash_uses:base/kind | None | derived |
| /operating_model/cells/base_2026q4_cash_uses:base/label | None | Cash adjustments taxes interest and working capital |
| /operating_model/cells/base_2026q4_cash_uses:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_cash_uses:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_cash_uses:base/value | None | 29.0 |
| /operating_model/cells/base_2026q4_cfo:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2026q4_cfo:base/case | None | base |
| /operating_model/cells/base_2026q4_cfo:base/formula/op | None | subtract |
| /operating_model/cells/base_2026q4_cfo:base/formula/refs/0 | None | base_2026q4_cash_earnings |
| /operating_model/cells/base_2026q4_cfo:base/formula/refs/1 | None | base_2026q4_cash_uses |
| /operating_model/cells/base_2026q4_cfo:base/id | None | base_2026q4_cfo |
| /operating_model/cells/base_2026q4_cfo:base/kind | None | derived |
| /operating_model/cells/base_2026q4_cfo:base/label | None | Operating cash flow proxy |
| /operating_model/cells/base_2026q4_cfo:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_cfo:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_cfo:base/value | None | 125.28399999999999 |
| /operating_model/cells/base_2026q4_da:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q4_da:base/case | None | base |
| /operating_model/cells/base_2026q4_da:base/id | None | base_2026q4_da |
| /operating_model/cells/base_2026q4_da:base/kind | None | assumption |
| /operating_model/cells/base_2026q4_da:base/label | None | Total D&A |
| /operating_model/cells/base_2026q4_da:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_da:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_da:base/value | None | 9.0 |
| /operating_model/cells/base_2026q4_gaap_adjustments:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2026q4_gaap_adjustments:base/case | None | base |
| /operating_model/cells/base_2026q4_gaap_adjustments:base/formula/op | None | sum |
| /operating_model/cells/base_2026q4_gaap_adjustments:base/formula/refs/0 | None | base_2026q4_sbc |
| /operating_model/cells/base_2026q4_gaap_adjustments:base/formula/refs/1 | None | base_2026q4_da |
| /operating_model/cells/base_2026q4_gaap_adjustments:base/formula/refs/2 | None | base_2026q4_cash_adjustments |
| /operating_model/cells/base_2026q4_gaap_adjustments:base/id | None | base_2026q4_gaap_adjustments |
| /operating_model/cells/base_2026q4_gaap_adjustments:base/kind | None | derived |
| /operating_model/cells/base_2026q4_gaap_adjustments:base/label | None | SBC D&A and cash excluded costs |
| /operating_model/cells/base_2026q4_gaap_adjustments:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_gaap_adjustments:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_gaap_adjustments:base/value | None | 87.0 |
| /operating_model/cells/base_2026q4_gross_margin:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q4_gross_margin:base/case | None | base |
| /operating_model/cells/base_2026q4_gross_margin:base/id | None | base_2026q4_gross_margin |
| /operating_model/cells/base_2026q4_gross_margin:base/kind | None | assumption |
| /operating_model/cells/base_2026q4_gross_margin:base/label | None | Gross margin |
| /operating_model/cells/base_2026q4_gross_margin:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_gross_margin:base/unit | None | ratio |
| /operating_model/cells/base_2026q4_gross_margin:base/value | None | 0.89 |
| /operating_model/cells/base_2026q4_gross_profit:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2026q4_gross_profit:base/case | None | base |
| /operating_model/cells/base_2026q4_gross_profit:base/formula/op | None | multiply |
| /operating_model/cells/base_2026q4_gross_profit:base/formula/refs/0 | None | base_2026q4_revenue |
| /operating_model/cells/base_2026q4_gross_profit:base/formula/refs/1 | None | base_2026q4_gross_margin |
| /operating_model/cells/base_2026q4_gross_profit:base/id | None | base_2026q4_gross_profit |
| /operating_model/cells/base_2026q4_gross_profit:base/kind | None | derived |
| /operating_model/cells/base_2026q4_gross_profit:base/label | None | Gross profit after processing |
| /operating_model/cells/base_2026q4_gross_profit:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_gross_profit:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_gross_profit:base/value | None | 661.13205 |
| /operating_model/cells/base_2026q4_interest_income:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q4_interest_income:base/case | None | base |
| /operating_model/cells/base_2026q4_interest_income:base/id | None | base_2026q4_interest_income |
| /operating_model/cells/base_2026q4_interest_income:base/kind | None | assumption |
| /operating_model/cells/base_2026q4_interest_income:base/label | None | Cash interest income |
| /operating_model/cells/base_2026q4_interest_income:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_interest_income:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_interest_income:base/value | None | 8.0 |
| /operating_model/cells/base_2026q4_investment:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2026q4_investment:base/case | None | base |
| /operating_model/cells/base_2026q4_investment:base/formula/op | None | sum |
| /operating_model/cells/base_2026q4_investment:base/formula/refs/0 | None | base_2026q4_net_loan_funding |
| /operating_model/cells/base_2026q4_investment:base/formula/refs/1 | None | base_2026q4_capex |
| /operating_model/cells/base_2026q4_investment:base/id | None | base_2026q4_investment |
| /operating_model/cells/base_2026q4_investment:base/kind | None | derived |
| /operating_model/cells/base_2026q4_investment:base/label | None | Loans and assets |
| /operating_model/cells/base_2026q4_investment:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_investment:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_investment:base/value | None | 51.0 |
| /operating_model/cells/base_2026q4_member_index:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q4_member_index:base/case | None | base |
| /operating_model/cells/base_2026q4_member_index:base/id | None | base_2026q4_member_index |
| /operating_model/cells/base_2026q4_member_index:base/kind | None | assumption |
| /operating_model/cells/base_2026q4_member_index:base/label | None | Active-member exposure index |
| /operating_model/cells/base_2026q4_member_index:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_member_index:base/unit | None | ratio |
| /operating_model/cells/base_2026q4_member_index:base/value | None | 1.0499999999999998 |
| /operating_model/cells/base_2026q4_mypay_loss_rate:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q4_mypay_loss_rate:base/case | None | base |
| /operating_model/cells/base_2026q4_mypay_loss_rate:base/id | None | base_2026q4_mypay_loss_rate |
| /operating_model/cells/base_2026q4_mypay_loss_rate:base/kind | None | assumption |
| /operating_model/cells/base_2026q4_mypay_loss_rate:base/label | None | MyPay loss rate |
| /operating_model/cells/base_2026q4_mypay_loss_rate:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_mypay_loss_rate:base/unit | None | ratio |
| /operating_model/cells/base_2026q4_mypay_loss_rate:base/value | None | 0.009 |
| /operating_model/cells/base_2026q4_mypay_losses:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2026q4_mypay_losses:base/case | None | base |
| /operating_model/cells/base_2026q4_mypay_losses:base/formula/op | None | multiply |
| /operating_model/cells/base_2026q4_mypay_losses:base/formula/refs/0 | None | base_2026q4_mypay_originations |
| /operating_model/cells/base_2026q4_mypay_losses:base/formula/refs/1 | None | base_2026q4_mypay_loss_rate |
| /operating_model/cells/base_2026q4_mypay_losses:base/id | None | base_2026q4_mypay_losses |
| /operating_model/cells/base_2026q4_mypay_losses:base/kind | None | derived |
| /operating_model/cells/base_2026q4_mypay_losses:base/label | None | MyPay loss allowance |
| /operating_model/cells/base_2026q4_mypay_losses:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_mypay_losses:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_mypay_losses:base/value | None | 45.0 |
| /operating_model/cells/base_2026q4_mypay_originations:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q4_mypay_originations:base/case | None | base |
| /operating_model/cells/base_2026q4_mypay_originations:base/id | None | base_2026q4_mypay_originations |
| /operating_model/cells/base_2026q4_mypay_originations:base/kind | None | assumption |
| /operating_model/cells/base_2026q4_mypay_originations:base/label | None | MyPay origination activity |
| /operating_model/cells/base_2026q4_mypay_originations:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_mypay_originations:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_mypay_originations:base/value | None | 5000.0 |
| /operating_model/cells/base_2026q4_net_loan_funding:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q4_net_loan_funding:base/case | None | base |
| /operating_model/cells/base_2026q4_net_loan_funding:base/id | None | base_2026q4_net_loan_funding |
| /operating_model/cells/base_2026q4_net_loan_funding:base/kind | None | assumption |
| /operating_model/cells/base_2026q4_net_loan_funding:base/label | None | Loans purchased less repayments |
| /operating_model/cells/base_2026q4_net_loan_funding:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_net_loan_funding:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_net_loan_funding:base/value | None | 40.0 |
| /operating_model/cells/base_2026q4_operating_income:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2026q4_operating_income:base/case | None | base |
| /operating_model/cells/base_2026q4_operating_income:base/formula/op | None | subtract |
| /operating_model/cells/base_2026q4_operating_income:base/formula/refs/0 | None | base_2026q4_adj_ebitda |
| /operating_model/cells/base_2026q4_operating_income:base/formula/refs/1 | None | base_2026q4_gaap_adjustments |
| /operating_model/cells/base_2026q4_operating_income:base/id | None | base_2026q4_operating_income |
| /operating_model/cells/base_2026q4_operating_income:base/kind | None | derived |
| /operating_model/cells/base_2026q4_operating_income:base/label | None | Operating income proxy |
| /operating_model/cells/base_2026q4_operating_income:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_operating_income:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_operating_income:base/value | None | 59.28399999999999 |
| /operating_model/cells/base_2026q4_other_risk:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q4_other_risk:base/case | None | base |
| /operating_model/cells/base_2026q4_other_risk:base/id | None | base_2026q4_other_risk |
| /operating_model/cells/base_2026q4_other_risk:base/kind | None | assumption |
| /operating_model/cells/base_2026q4_other_risk:base/label | None | Other lending, dispute and risk cost |
| /operating_model/cells/base_2026q4_other_risk:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_other_risk:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_other_risk:base/value | None | 69.0 |
| /operating_model/cells/base_2026q4_payment_yield:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q4_payment_yield:base/case | None | base |
| /operating_model/cells/base_2026q4_payment_yield:base/id | None | base_2026q4_payment_yield |
| /operating_model/cells/base_2026q4_payment_yield:base/kind | None | assumption |
| /operating_model/cells/base_2026q4_payment_yield:base/label | None | Net payments yield |
| /operating_model/cells/base_2026q4_payment_yield:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_payment_yield:base/unit | None | ratio |
| /operating_model/cells/base_2026q4_payment_yield:base/value | None | 0.01119047619047619 |
| /operating_model/cells/base_2026q4_payments:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2026q4_payments:base/case | None | base |
| /operating_model/cells/base_2026q4_payments:base/formula/op | None | multiply |
| /operating_model/cells/base_2026q4_payments:base/formula/refs/0 | None | base_2026q4_purchase_volume |
| /operating_model/cells/base_2026q4_payments:base/formula/refs/1 | None | base_2026q4_payment_yield |
| /operating_model/cells/base_2026q4_payments:base/id | None | base_2026q4_payments |
| /operating_model/cells/base_2026q4_payments:base/kind | None | derived |
| /operating_model/cells/base_2026q4_payments:base/label | None | Payments revenue |
| /operating_model/cells/base_2026q4_payments:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_payments:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_payments:base/value | None | 470.0 |
| /operating_model/cells/base_2026q4_platform:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2026q4_platform:base/case | None | base |
| /operating_model/cells/base_2026q4_platform:base/formula/op | None | multiply |
| /operating_model/cells/base_2026q4_platform:base/formula/refs/0 | None | q2_platform |
| /operating_model/cells/base_2026q4_platform:base/formula/refs/1 | None | base_2026q4_member_index |
| /operating_model/cells/base_2026q4_platform:base/formula/refs/2 | None | base_2026q4_platform_monetization |
| /operating_model/cells/base_2026q4_platform:base/id | None | base_2026q4_platform |
| /operating_model/cells/base_2026q4_platform:base/kind | None | derived |
| /operating_model/cells/base_2026q4_platform:base/label | None | Platform revenue |
| /operating_model/cells/base_2026q4_platform:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_platform:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_platform:base/value | None | 272.84499999999997 |
| /operating_model/cells/base_2026q4_platform_monetization:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q4_platform_monetization:base/case | None | base |
| /operating_model/cells/base_2026q4_platform_monetization:base/id | None | base_2026q4_platform_monetization |
| /operating_model/cells/base_2026q4_platform_monetization:base/kind | None | assumption |
| /operating_model/cells/base_2026q4_platform_monetization:base/label | None | Platform monetization index |
| /operating_model/cells/base_2026q4_platform_monetization:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_platform_monetization:base/unit | None | ratio |
| /operating_model/cells/base_2026q4_platform_monetization:base/value | None | 1.0838969919469965 |
| /operating_model/cells/base_2026q4_purchase_volume:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q4_purchase_volume:base/case | None | base |
| /operating_model/cells/base_2026q4_purchase_volume:base/id | None | base_2026q4_purchase_volume |
| /operating_model/cells/base_2026q4_purchase_volume:base/kind | None | assumption |
| /operating_model/cells/base_2026q4_purchase_volume:base/label | None | Purchase volume |
| /operating_model/cells/base_2026q4_purchase_volume:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_purchase_volume:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_purchase_volume:base/value | None | 42000.0 |
| /operating_model/cells/base_2026q4_revenue:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2026q4_revenue:base/case | None | base |
| /operating_model/cells/base_2026q4_revenue:base/formula/op | None | sum |
| /operating_model/cells/base_2026q4_revenue:base/formula/refs/0 | None | base_2026q4_payments |
| /operating_model/cells/base_2026q4_revenue:base/formula/refs/1 | None | base_2026q4_platform |
| /operating_model/cells/base_2026q4_revenue:base/id | None | base_2026q4_revenue |
| /operating_model/cells/base_2026q4_revenue:base/kind | None | derived |
| /operating_model/cells/base_2026q4_revenue:base/label | None | Revenue |
| /operating_model/cells/base_2026q4_revenue:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_revenue:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_revenue:base/value | None | 742.845 |
| /operating_model/cells/base_2026q4_risk:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2026q4_risk:base/case | None | base |
| /operating_model/cells/base_2026q4_risk:base/formula/op | None | sum |
| /operating_model/cells/base_2026q4_risk:base/formula/refs/0 | None | base_2026q4_mypay_losses |
| /operating_model/cells/base_2026q4_risk:base/formula/refs/1 | None | base_2026q4_other_risk |
| /operating_model/cells/base_2026q4_risk:base/id | None | base_2026q4_risk |
| /operating_model/cells/base_2026q4_risk:base/kind | None | derived |
| /operating_model/cells/base_2026q4_risk:base/label | None | Transaction and risk loss allowance |
| /operating_model/cells/base_2026q4_risk:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_risk:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_risk:base/value | None | 114.0 |
| /operating_model/cells/base_2026q4_sbc:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q4_sbc:base/case | None | base |
| /operating_model/cells/base_2026q4_sbc:base/id | None | base_2026q4_sbc |
| /operating_model/cells/base_2026q4_sbc:base/kind | None | assumption |
| /operating_model/cells/base_2026q4_sbc:base/label | None | Total SBC and stock charitable cost |
| /operating_model/cells/base_2026q4_sbc:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_sbc:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_sbc:base/value | None | 76.0 |
| /operating_model/cells/base_2026q4_stride_closing:base/basis | None | Conditional quarter placement; expected H1 2027, downside assumes delay. No acquired operations or synergy booked. |
| /operating_model/cells/base_2026q4_stride_closing:base/case | None | base |
| /operating_model/cells/base_2026q4_stride_closing:base/id | None | base_2026q4_stride_closing |
| /operating_model/cells/base_2026q4_stride_closing:base/kind | None | assumption |
| /operating_model/cells/base_2026q4_stride_closing:base/label | None | Stride closing switch |
| /operating_model/cells/base_2026q4_stride_closing:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_stride_closing:base/unit | None | ratio |
| /operating_model/cells/base_2026q4_stride_closing:base/value | None | 0.0 |
| /operating_model/cells/base_2026q4_transaction_profit:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2026q4_transaction_profit:base/case | None | base |
| /operating_model/cells/base_2026q4_transaction_profit:base/formula/op | None | subtract |
| /operating_model/cells/base_2026q4_transaction_profit:base/formula/refs/0 | None | base_2026q4_gross_profit |
| /operating_model/cells/base_2026q4_transaction_profit:base/formula/refs/1 | None | base_2026q4_risk |
| /operating_model/cells/base_2026q4_transaction_profit:base/id | None | base_2026q4_transaction_profit |
| /operating_model/cells/base_2026q4_transaction_profit:base/kind | None | derived |
| /operating_model/cells/base_2026q4_transaction_profit:base/label | None | Transaction profit |
| /operating_model/cells/base_2026q4_transaction_profit:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_transaction_profit:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_transaction_profit:base/value | None | 547.13205 |
| /operating_model/cells/base_2026q4_wc:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q4_wc:base/case | None | base |
| /operating_model/cells/base_2026q4_wc:base/id | None | base_2026q4_wc |
| /operating_model/cells/base_2026q4_wc:base/kind | None | assumption |
| /operating_model/cells/base_2026q4_wc:base/label | None | Product collateral and net operating working-capital use |
| /operating_model/cells/base_2026q4_wc:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_wc:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_wc:base/value | None | 20.0 |
| /operating_model/cells/base_2027q1_acquisition_cash:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2027q1_acquisition_cash:base/case | None | base |
| /operating_model/cells/base_2027q1_acquisition_cash:base/formula/op | None | multiply |
| /operating_model/cells/base_2027q1_acquisition_cash:base/formula/refs/0 | None | stride_price |
| /operating_model/cells/base_2027q1_acquisition_cash:base/formula/refs/1 | None | base_2027q1_stride_closing |
| /operating_model/cells/base_2027q1_acquisition_cash:base/id | None | base_2027q1_acquisition_cash |
| /operating_model/cells/base_2027q1_acquisition_cash:base/kind | None | derived |
| /operating_model/cells/base_2027q1_acquisition_cash:base/label | None | Conditional Stride purchase cash |
| /operating_model/cells/base_2027q1_acquisition_cash:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_acquisition_cash:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_acquisition_cash:base/value | None | 0.0 |
| /operating_model/cells/base_2027q1_adj_ebitda:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2027q1_adj_ebitda:base/case | None | base |
| /operating_model/cells/base_2027q1_adj_ebitda:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q1_adj_ebitda:base/formula/refs/0 | None | base_2027q1_transaction_profit |
| /operating_model/cells/base_2027q1_adj_ebitda:base/formula/refs/1 | None | base_2027q1_adjusted_costs |
| /operating_model/cells/base_2027q1_adj_ebitda:base/id | None | base_2027q1_adj_ebitda |
| /operating_model/cells/base_2027q1_adj_ebitda:base/kind | None | derived |
| /operating_model/cells/base_2027q1_adj_ebitda:base/label | None | Adjusted EBITDA proxy |
| /operating_model/cells/base_2027q1_adj_ebitda:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_adj_ebitda:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_adj_ebitda:base/value | None | 180.0 |
| /operating_model/cells/base_2027q1_adjusted_costs:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q1_adjusted_costs:base/case | None | base |
| /operating_model/cells/base_2027q1_adjusted_costs:base/id | None | base_2027q1_adjusted_costs |
| /operating_model/cells/base_2027q1_adjusted_costs:base/kind | None | assumption |
| /operating_model/cells/base_2027q1_adjusted_costs:base/label | None | Adjusted product, sales and corporate cost |
| /operating_model/cells/base_2027q1_adjusted_costs:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_adjusted_costs:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_adjusted_costs:base/value | None | 402.5 |
| /operating_model/cells/base_2027q1_capex:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q1_capex:base/case | None | base |
| /operating_model/cells/base_2027q1_capex:base/id | None | base_2027q1_capex |
| /operating_model/cells/base_2027q1_capex:base/kind | None | assumption |
| /operating_model/cells/base_2027q1_capex:base/label | None | PP&E and purchased/internal software cash |
| /operating_model/cells/base_2027q1_capex:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_capex:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_capex:base/value | None | 12.0 |
| /operating_model/cells/base_2027q1_cash_adjustments:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q1_cash_adjustments:base/case | None | base |
| /operating_model/cells/base_2027q1_cash_adjustments:base/id | None | base_2027q1_cash_adjustments |
| /operating_model/cells/base_2027q1_cash_adjustments:base/kind | None | assumption |
| /operating_model/cells/base_2027q1_cash_adjustments:base/label | None | Cash costs excluded from adjusted EBITDA |
| /operating_model/cells/base_2027q1_cash_adjustments:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_cash_adjustments:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_cash_adjustments:base/value | None | 2.0 |
| /operating_model/cells/base_2027q1_cash_after_acquisition:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2027q1_cash_after_acquisition:base/case | None | base |
| /operating_model/cells/base_2027q1_cash_after_acquisition:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q1_cash_after_acquisition:base/formula/refs/0 | None | base_2027q1_cash_after_funding |
| /operating_model/cells/base_2027q1_cash_after_acquisition:base/formula/refs/1 | None | base_2027q1_acquisition_cash |
| /operating_model/cells/base_2027q1_cash_after_acquisition:base/id | None | base_2027q1_cash_after_acquisition |
| /operating_model/cells/base_2027q1_cash_after_acquisition:base/kind | None | derived |
| /operating_model/cells/base_2027q1_cash_after_acquisition:base/label | None | Cash after proposed bank purchase |
| /operating_model/cells/base_2027q1_cash_after_acquisition:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_cash_after_acquisition:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_cash_after_acquisition:base/value | None | 95.0 |
| /operating_model/cells/base_2027q1_cash_after_funding:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2027q1_cash_after_funding:base/case | None | base |
| /operating_model/cells/base_2027q1_cash_after_funding:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q1_cash_after_funding:base/formula/refs/0 | None | base_2027q1_cfo |
| /operating_model/cells/base_2027q1_cash_after_funding:base/formula/refs/1 | None | base_2027q1_investment |
| /operating_model/cells/base_2027q1_cash_after_funding:base/id | None | base_2027q1_cash_after_funding |
| /operating_model/cells/base_2027q1_cash_after_funding:base/kind | None | derived |
| /operating_model/cells/base_2027q1_cash_after_funding:base/label | None | Cash after loan funding and assets |
| /operating_model/cells/base_2027q1_cash_after_funding:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_cash_after_funding:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_cash_after_funding:base/value | None | 95.0 |
| /operating_model/cells/base_2027q1_cash_earnings:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2027q1_cash_earnings:base/case | None | base |
| /operating_model/cells/base_2027q1_cash_earnings:base/formula/op | None | sum |
| /operating_model/cells/base_2027q1_cash_earnings:base/formula/refs/0 | None | base_2027q1_adj_ebitda |
| /operating_model/cells/base_2027q1_cash_earnings:base/formula/refs/1 | None | base_2027q1_interest_income |
| /operating_model/cells/base_2027q1_cash_earnings:base/id | None | base_2027q1_cash_earnings |
| /operating_model/cells/base_2027q1_cash_earnings:base/kind | None | derived |
| /operating_model/cells/base_2027q1_cash_earnings:base/label | None | Adjusted EBITDA plus cash interest income |
| /operating_model/cells/base_2027q1_cash_earnings:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_cash_earnings:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_cash_earnings:base/value | None | 188.0 |
| /operating_model/cells/base_2027q1_cash_interest_tax:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q1_cash_interest_tax:base/case | None | base |
| /operating_model/cells/base_2027q1_cash_interest_tax:base/id | None | base_2027q1_cash_interest_tax |
| /operating_model/cells/base_2027q1_cash_interest_tax:base/kind | None | assumption |
| /operating_model/cells/base_2027q1_cash_interest_tax:base/label | None | Cash interest and taxes |
| /operating_model/cells/base_2027q1_cash_interest_tax:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_cash_interest_tax:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_cash_interest_tax:base/value | None | 9.0 |
| /operating_model/cells/base_2027q1_cash_uses:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2027q1_cash_uses:base/case | None | base |
| /operating_model/cells/base_2027q1_cash_uses:base/formula/op | None | sum |
| /operating_model/cells/base_2027q1_cash_uses:base/formula/refs/0 | None | base_2027q1_cash_adjustments |
| /operating_model/cells/base_2027q1_cash_uses:base/formula/refs/1 | None | base_2027q1_cash_interest_tax |
| /operating_model/cells/base_2027q1_cash_uses:base/formula/refs/2 | None | base_2027q1_wc |
| /operating_model/cells/base_2027q1_cash_uses:base/id | None | base_2027q1_cash_uses |
| /operating_model/cells/base_2027q1_cash_uses:base/kind | None | derived |
| /operating_model/cells/base_2027q1_cash_uses:base/label | None | Cash adjustments taxes interest and working capital |
| /operating_model/cells/base_2027q1_cash_uses:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_cash_uses:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_cash_uses:base/value | None | 36.0 |
| /operating_model/cells/base_2027q1_cfo:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2027q1_cfo:base/case | None | base |
| /operating_model/cells/base_2027q1_cfo:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q1_cfo:base/formula/refs/0 | None | base_2027q1_cash_earnings |
| /operating_model/cells/base_2027q1_cfo:base/formula/refs/1 | None | base_2027q1_cash_uses |
| /operating_model/cells/base_2027q1_cfo:base/id | None | base_2027q1_cfo |
| /operating_model/cells/base_2027q1_cfo:base/kind | None | derived |
| /operating_model/cells/base_2027q1_cfo:base/label | None | Operating cash flow proxy |
| /operating_model/cells/base_2027q1_cfo:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_cfo:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_cfo:base/value | None | 152.0 |
| /operating_model/cells/base_2027q1_da:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q1_da:base/case | None | base |
| /operating_model/cells/base_2027q1_da:base/id | None | base_2027q1_da |
| /operating_model/cells/base_2027q1_da:base/kind | None | assumption |
| /operating_model/cells/base_2027q1_da:base/label | None | Total D&A |
| /operating_model/cells/base_2027q1_da:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_da:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_da:base/value | None | 10.0 |
| /operating_model/cells/base_2027q1_gaap_adjustments:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2027q1_gaap_adjustments:base/case | None | base |
| /operating_model/cells/base_2027q1_gaap_adjustments:base/formula/op | None | sum |
| /operating_model/cells/base_2027q1_gaap_adjustments:base/formula/refs/0 | None | base_2027q1_sbc |
| /operating_model/cells/base_2027q1_gaap_adjustments:base/formula/refs/1 | None | base_2027q1_da |
| /operating_model/cells/base_2027q1_gaap_adjustments:base/formula/refs/2 | None | base_2027q1_cash_adjustments |
| /operating_model/cells/base_2027q1_gaap_adjustments:base/id | None | base_2027q1_gaap_adjustments |
| /operating_model/cells/base_2027q1_gaap_adjustments:base/kind | None | derived |
| /operating_model/cells/base_2027q1_gaap_adjustments:base/label | None | SBC D&A and cash excluded costs |
| /operating_model/cells/base_2027q1_gaap_adjustments:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_gaap_adjustments:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_gaap_adjustments:base/value | None | 92.0 |
| /operating_model/cells/base_2027q1_gross_margin:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q1_gross_margin:base/case | None | base |
| /operating_model/cells/base_2027q1_gross_margin:base/id | None | base_2027q1_gross_margin |
| /operating_model/cells/base_2027q1_gross_margin:base/kind | None | assumption |
| /operating_model/cells/base_2027q1_gross_margin:base/label | None | Gross margin |
| /operating_model/cells/base_2027q1_gross_margin:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_gross_margin:base/unit | None | ratio |
| /operating_model/cells/base_2027q1_gross_margin:base/value | None | 0.89 |
| /operating_model/cells/base_2027q1_gross_profit:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2027q1_gross_profit:base/case | None | base |
| /operating_model/cells/base_2027q1_gross_profit:base/formula/op | None | multiply |
| /operating_model/cells/base_2027q1_gross_profit:base/formula/refs/0 | None | base_2027q1_revenue |
| /operating_model/cells/base_2027q1_gross_profit:base/formula/refs/1 | None | base_2027q1_gross_margin |
| /operating_model/cells/base_2027q1_gross_profit:base/id | None | base_2027q1_gross_profit |
| /operating_model/cells/base_2027q1_gross_profit:base/kind | None | derived |
| /operating_model/cells/base_2027q1_gross_profit:base/label | None | Gross profit after processing |
| /operating_model/cells/base_2027q1_gross_profit:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_gross_profit:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_gross_profit:base/value | None | 703.1 |
| /operating_model/cells/base_2027q1_interest_income:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q1_interest_income:base/case | None | base |
| /operating_model/cells/base_2027q1_interest_income:base/id | None | base_2027q1_interest_income |
| /operating_model/cells/base_2027q1_interest_income:base/kind | None | assumption |
| /operating_model/cells/base_2027q1_interest_income:base/label | None | Cash interest income |
| /operating_model/cells/base_2027q1_interest_income:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_interest_income:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_interest_income:base/value | None | 8.0 |
| /operating_model/cells/base_2027q1_investment:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2027q1_investment:base/case | None | base |
| /operating_model/cells/base_2027q1_investment:base/formula/op | None | sum |
| /operating_model/cells/base_2027q1_investment:base/formula/refs/0 | None | base_2027q1_net_loan_funding |
| /operating_model/cells/base_2027q1_investment:base/formula/refs/1 | None | base_2027q1_capex |
| /operating_model/cells/base_2027q1_investment:base/id | None | base_2027q1_investment |
| /operating_model/cells/base_2027q1_investment:base/kind | None | derived |
| /operating_model/cells/base_2027q1_investment:base/label | None | Loans and assets |
| /operating_model/cells/base_2027q1_investment:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_investment:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_investment:base/value | None | 57.0 |
| /operating_model/cells/base_2027q1_member_index:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q1_member_index:base/case | None | base |
| /operating_model/cells/base_2027q1_member_index:base/id | None | base_2027q1_member_index |
| /operating_model/cells/base_2027q1_member_index:base/kind | None | assumption |
| /operating_model/cells/base_2027q1_member_index:base/label | None | Active-member exposure index |
| /operating_model/cells/base_2027q1_member_index:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_member_index:base/unit | None | ratio |
| /operating_model/cells/base_2027q1_member_index:base/value | None | 1.075 |
| /operating_model/cells/base_2027q1_mypay_loss_rate:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q1_mypay_loss_rate:base/case | None | base |
| /operating_model/cells/base_2027q1_mypay_loss_rate:base/id | None | base_2027q1_mypay_loss_rate |
| /operating_model/cells/base_2027q1_mypay_loss_rate:base/kind | None | assumption |
| /operating_model/cells/base_2027q1_mypay_loss_rate:base/label | None | MyPay loss rate |
| /operating_model/cells/base_2027q1_mypay_loss_rate:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_mypay_loss_rate:base/unit | None | ratio |
| /operating_model/cells/base_2027q1_mypay_loss_rate:base/value | None | 0.009 |
| /operating_model/cells/base_2027q1_mypay_losses:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2027q1_mypay_losses:base/case | None | base |
| /operating_model/cells/base_2027q1_mypay_losses:base/formula/op | None | multiply |
| /operating_model/cells/base_2027q1_mypay_losses:base/formula/refs/0 | None | base_2027q1_mypay_originations |
| /operating_model/cells/base_2027q1_mypay_losses:base/formula/refs/1 | None | base_2027q1_mypay_loss_rate |
| /operating_model/cells/base_2027q1_mypay_losses:base/id | None | base_2027q1_mypay_losses |
| /operating_model/cells/base_2027q1_mypay_losses:base/kind | None | derived |
| /operating_model/cells/base_2027q1_mypay_losses:base/label | None | MyPay loss allowance |
| /operating_model/cells/base_2027q1_mypay_losses:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_mypay_losses:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_mypay_losses:base/value | None | 48.599999999999994 |
| /operating_model/cells/base_2027q1_mypay_originations:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q1_mypay_originations:base/case | None | base |
| /operating_model/cells/base_2027q1_mypay_originations:base/id | None | base_2027q1_mypay_originations |
| /operating_model/cells/base_2027q1_mypay_originations:base/kind | None | assumption |
| /operating_model/cells/base_2027q1_mypay_originations:base/label | None | MyPay origination activity |
| /operating_model/cells/base_2027q1_mypay_originations:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_mypay_originations:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_mypay_originations:base/value | None | 5400.0 |
| /operating_model/cells/base_2027q1_net_loan_funding:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q1_net_loan_funding:base/case | None | base |
| /operating_model/cells/base_2027q1_net_loan_funding:base/id | None | base_2027q1_net_loan_funding |
| /operating_model/cells/base_2027q1_net_loan_funding:base/kind | None | assumption |
| /operating_model/cells/base_2027q1_net_loan_funding:base/label | None | Loans purchased less repayments |
| /operating_model/cells/base_2027q1_net_loan_funding:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_net_loan_funding:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_net_loan_funding:base/value | None | 45.0 |
| /operating_model/cells/base_2027q1_operating_income:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2027q1_operating_income:base/case | None | base |
| /operating_model/cells/base_2027q1_operating_income:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q1_operating_income:base/formula/refs/0 | None | base_2027q1_adj_ebitda |
| /operating_model/cells/base_2027q1_operating_income:base/formula/refs/1 | None | base_2027q1_gaap_adjustments |
| /operating_model/cells/base_2027q1_operating_income:base/id | None | base_2027q1_operating_income |
| /operating_model/cells/base_2027q1_operating_income:base/kind | None | derived |
| /operating_model/cells/base_2027q1_operating_income:base/label | None | Operating income proxy |
| /operating_model/cells/base_2027q1_operating_income:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_operating_income:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_operating_income:base/value | None | 88.0 |
| /operating_model/cells/base_2027q1_other_risk:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q1_other_risk:base/case | None | base |
| /operating_model/cells/base_2027q1_other_risk:base/id | None | base_2027q1_other_risk |
| /operating_model/cells/base_2027q1_other_risk:base/kind | None | assumption |
| /operating_model/cells/base_2027q1_other_risk:base/label | None | Other lending, dispute and risk cost |
| /operating_model/cells/base_2027q1_other_risk:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_other_risk:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_other_risk:base/value | None | 72.0 |
| /operating_model/cells/base_2027q1_payment_yield:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q1_payment_yield:base/case | None | base |
| /operating_model/cells/base_2027q1_payment_yield:base/id | None | base_2027q1_payment_yield |
| /operating_model/cells/base_2027q1_payment_yield:base/kind | None | assumption |
| /operating_model/cells/base_2027q1_payment_yield:base/label | None | Net payments yield |
| /operating_model/cells/base_2027q1_payment_yield:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_payment_yield:base/unit | None | ratio |
| /operating_model/cells/base_2027q1_payment_yield:base/value | None | 0.011294117647058824 |
| /operating_model/cells/base_2027q1_payments:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2027q1_payments:base/case | None | base |
| /operating_model/cells/base_2027q1_payments:base/formula/op | None | multiply |
| /operating_model/cells/base_2027q1_payments:base/formula/refs/0 | None | base_2027q1_purchase_volume |
| /operating_model/cells/base_2027q1_payments:base/formula/refs/1 | None | base_2027q1_payment_yield |
| /operating_model/cells/base_2027q1_payments:base/id | None | base_2027q1_payments |
| /operating_model/cells/base_2027q1_payments:base/kind | None | derived |
| /operating_model/cells/base_2027q1_payments:base/label | None | Payments revenue |
| /operating_model/cells/base_2027q1_payments:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_payments:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_payments:base/value | None | 480.00000000000006 |
| /operating_model/cells/base_2027q1_platform:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2027q1_platform:base/case | None | base |
| /operating_model/cells/base_2027q1_platform:base/formula/op | None | multiply |
| /operating_model/cells/base_2027q1_platform:base/formula/refs/0 | None | q2_platform |
| /operating_model/cells/base_2027q1_platform:base/formula/refs/1 | None | base_2027q1_member_index |
| /operating_model/cells/base_2027q1_platform:base/formula/refs/2 | None | base_2027q1_platform_monetization |
| /operating_model/cells/base_2027q1_platform:base/id | None | base_2027q1_platform |
| /operating_model/cells/base_2027q1_platform:base/kind | None | derived |
| /operating_model/cells/base_2027q1_platform:base/label | None | Platform revenue |
| /operating_model/cells/base_2027q1_platform:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_platform:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_platform:base/value | None | 310.0 |
| /operating_model/cells/base_2027q1_platform_monetization:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q1_platform_monetization:base/case | None | base |
| /operating_model/cells/base_2027q1_platform_monetization:base/id | None | base_2027q1_platform_monetization |
| /operating_model/cells/base_2027q1_platform_monetization:base/kind | None | assumption |
| /operating_model/cells/base_2027q1_platform_monetization:base/label | None | Platform monetization index |
| /operating_model/cells/base_2027q1_platform_monetization:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_platform_monetization:base/unit | None | ratio |
| /operating_model/cells/base_2027q1_platform_monetization:base/value | None | 1.2028584962115292 |
| /operating_model/cells/base_2027q1_purchase_volume:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q1_purchase_volume:base/case | None | base |
| /operating_model/cells/base_2027q1_purchase_volume:base/id | None | base_2027q1_purchase_volume |
| /operating_model/cells/base_2027q1_purchase_volume:base/kind | None | assumption |
| /operating_model/cells/base_2027q1_purchase_volume:base/label | None | Purchase volume |
| /operating_model/cells/base_2027q1_purchase_volume:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_purchase_volume:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_purchase_volume:base/value | None | 42500.0 |
| /operating_model/cells/base_2027q1_revenue:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2027q1_revenue:base/case | None | base |
| /operating_model/cells/base_2027q1_revenue:base/formula/op | None | sum |
| /operating_model/cells/base_2027q1_revenue:base/formula/refs/0 | None | base_2027q1_payments |
| /operating_model/cells/base_2027q1_revenue:base/formula/refs/1 | None | base_2027q1_platform |
| /operating_model/cells/base_2027q1_revenue:base/id | None | base_2027q1_revenue |
| /operating_model/cells/base_2027q1_revenue:base/kind | None | derived |
| /operating_model/cells/base_2027q1_revenue:base/label | None | Revenue |
| /operating_model/cells/base_2027q1_revenue:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_revenue:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_revenue:base/value | None | 790.0 |
| /operating_model/cells/base_2027q1_risk:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2027q1_risk:base/case | None | base |
| /operating_model/cells/base_2027q1_risk:base/formula/op | None | sum |
| /operating_model/cells/base_2027q1_risk:base/formula/refs/0 | None | base_2027q1_mypay_losses |
| /operating_model/cells/base_2027q1_risk:base/formula/refs/1 | None | base_2027q1_other_risk |
| /operating_model/cells/base_2027q1_risk:base/id | None | base_2027q1_risk |
| /operating_model/cells/base_2027q1_risk:base/kind | None | derived |
| /operating_model/cells/base_2027q1_risk:base/label | None | Transaction and risk loss allowance |
| /operating_model/cells/base_2027q1_risk:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_risk:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_risk:base/value | None | 120.6 |
| /operating_model/cells/base_2027q1_sbc:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q1_sbc:base/case | None | base |
| /operating_model/cells/base_2027q1_sbc:base/id | None | base_2027q1_sbc |
| /operating_model/cells/base_2027q1_sbc:base/kind | None | assumption |
| /operating_model/cells/base_2027q1_sbc:base/label | None | Total SBC and stock charitable cost |
| /operating_model/cells/base_2027q1_sbc:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_sbc:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_sbc:base/value | None | 80.0 |
| /operating_model/cells/base_2027q1_stride_closing:base/basis | None | Conditional quarter placement; expected H1 2027, downside assumes delay. No acquired operations or synergy booked. |
| /operating_model/cells/base_2027q1_stride_closing:base/case | None | base |
| /operating_model/cells/base_2027q1_stride_closing:base/id | None | base_2027q1_stride_closing |
| /operating_model/cells/base_2027q1_stride_closing:base/kind | None | assumption |
| /operating_model/cells/base_2027q1_stride_closing:base/label | None | Stride closing switch |
| /operating_model/cells/base_2027q1_stride_closing:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_stride_closing:base/unit | None | ratio |
| /operating_model/cells/base_2027q1_stride_closing:base/value | None | 0.0 |
| /operating_model/cells/base_2027q1_transaction_profit:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2027q1_transaction_profit:base/case | None | base |
| /operating_model/cells/base_2027q1_transaction_profit:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q1_transaction_profit:base/formula/refs/0 | None | base_2027q1_gross_profit |
| /operating_model/cells/base_2027q1_transaction_profit:base/formula/refs/1 | None | base_2027q1_risk |
| /operating_model/cells/base_2027q1_transaction_profit:base/id | None | base_2027q1_transaction_profit |
| /operating_model/cells/base_2027q1_transaction_profit:base/kind | None | derived |
| /operating_model/cells/base_2027q1_transaction_profit:base/label | None | Transaction profit |
| /operating_model/cells/base_2027q1_transaction_profit:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_transaction_profit:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_transaction_profit:base/value | None | 582.5 |
| /operating_model/cells/base_2027q1_wc:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q1_wc:base/case | None | base |
| /operating_model/cells/base_2027q1_wc:base/id | None | base_2027q1_wc |
| /operating_model/cells/base_2027q1_wc:base/kind | None | assumption |
| /operating_model/cells/base_2027q1_wc:base/label | None | Product collateral and net operating working-capital use |
| /operating_model/cells/base_2027q1_wc:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_wc:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_wc:base/value | None | 25.0 |
| /operating_model/cells/base_2027q2_acquisition_cash:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2027q2_acquisition_cash:base/case | None | base |
| /operating_model/cells/base_2027q2_acquisition_cash:base/formula/op | None | multiply |
| /operating_model/cells/base_2027q2_acquisition_cash:base/formula/refs/0 | None | stride_price |
| /operating_model/cells/base_2027q2_acquisition_cash:base/formula/refs/1 | None | base_2027q2_stride_closing |
| /operating_model/cells/base_2027q2_acquisition_cash:base/id | None | base_2027q2_acquisition_cash |
| /operating_model/cells/base_2027q2_acquisition_cash:base/kind | None | derived |
| /operating_model/cells/base_2027q2_acquisition_cash:base/label | None | Conditional Stride purchase cash |
| /operating_model/cells/base_2027q2_acquisition_cash:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_acquisition_cash:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_acquisition_cash:base/value | None | 590.0 |
| /operating_model/cells/base_2027q2_adj_ebitda:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2027q2_adj_ebitda:base/case | None | base |
| /operating_model/cells/base_2027q2_adj_ebitda:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q2_adj_ebitda:base/formula/refs/0 | None | base_2027q2_transaction_profit |
| /operating_model/cells/base_2027q2_adj_ebitda:base/formula/refs/1 | None | base_2027q2_adjusted_costs |
| /operating_model/cells/base_2027q2_adj_ebitda:base/id | None | base_2027q2_adj_ebitda |
| /operating_model/cells/base_2027q2_adj_ebitda:base/kind | None | derived |
| /operating_model/cells/base_2027q2_adj_ebitda:base/label | None | Adjusted EBITDA proxy |
| /operating_model/cells/base_2027q2_adj_ebitda:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_adj_ebitda:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_adj_ebitda:base/value | None | 185.0 |
| /operating_model/cells/base_2027q2_adjusted_costs:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q2_adjusted_costs:base/case | None | base |
| /operating_model/cells/base_2027q2_adjusted_costs:base/id | None | base_2027q2_adjusted_costs |
| /operating_model/cells/base_2027q2_adjusted_costs:base/kind | None | assumption |
| /operating_model/cells/base_2027q2_adjusted_costs:base/label | None | Adjusted product, sales and corporate cost |
| /operating_model/cells/base_2027q2_adjusted_costs:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_adjusted_costs:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_adjusted_costs:base/value | None | 422.04999999999995 |
| /operating_model/cells/base_2027q2_capex:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q2_capex:base/case | None | base |
| /operating_model/cells/base_2027q2_capex:base/id | None | base_2027q2_capex |
| /operating_model/cells/base_2027q2_capex:base/kind | None | assumption |
| /operating_model/cells/base_2027q2_capex:base/label | None | PP&E and purchased/internal software cash |
| /operating_model/cells/base_2027q2_capex:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_capex:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_capex:base/value | None | 13.0 |
| /operating_model/cells/base_2027q2_cash_adjustments:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q2_cash_adjustments:base/case | None | base |
| /operating_model/cells/base_2027q2_cash_adjustments:base/id | None | base_2027q2_cash_adjustments |
| /operating_model/cells/base_2027q2_cash_adjustments:base/kind | None | assumption |
| /operating_model/cells/base_2027q2_cash_adjustments:base/label | None | Cash costs excluded from adjusted EBITDA |
| /operating_model/cells/base_2027q2_cash_adjustments:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_cash_adjustments:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_cash_adjustments:base/value | None | 2.0 |
| /operating_model/cells/base_2027q2_cash_after_acquisition:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2027q2_cash_after_acquisition:base/case | None | base |
| /operating_model/cells/base_2027q2_cash_after_acquisition:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q2_cash_after_acquisition:base/formula/refs/0 | None | base_2027q2_cash_after_funding |
| /operating_model/cells/base_2027q2_cash_after_acquisition:base/formula/refs/1 | None | base_2027q2_acquisition_cash |
| /operating_model/cells/base_2027q2_cash_after_acquisition:base/id | None | base_2027q2_cash_after_acquisition |
| /operating_model/cells/base_2027q2_cash_after_acquisition:base/kind | None | derived |
| /operating_model/cells/base_2027q2_cash_after_acquisition:base/label | None | Cash after proposed bank purchase |
| /operating_model/cells/base_2027q2_cash_after_acquisition:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_cash_after_acquisition:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_cash_after_acquisition:base/value | None | -506.0 |
| /operating_model/cells/base_2027q2_cash_after_funding:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2027q2_cash_after_funding:base/case | None | base |
| /operating_model/cells/base_2027q2_cash_after_funding:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q2_cash_after_funding:base/formula/refs/0 | None | base_2027q2_cfo |
| /operating_model/cells/base_2027q2_cash_after_funding:base/formula/refs/1 | None | base_2027q2_investment |
| /operating_model/cells/base_2027q2_cash_after_funding:base/id | None | base_2027q2_cash_after_funding |
| /operating_model/cells/base_2027q2_cash_after_funding:base/kind | None | derived |
| /operating_model/cells/base_2027q2_cash_after_funding:base/label | None | Cash after loan funding and assets |
| /operating_model/cells/base_2027q2_cash_after_funding:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_cash_after_funding:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_cash_after_funding:base/value | None | 84.0 |
| /operating_model/cells/base_2027q2_cash_earnings:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2027q2_cash_earnings:base/case | None | base |
| /operating_model/cells/base_2027q2_cash_earnings:base/formula/op | None | sum |
| /operating_model/cells/base_2027q2_cash_earnings:base/formula/refs/0 | None | base_2027q2_adj_ebitda |
| /operating_model/cells/base_2027q2_cash_earnings:base/formula/refs/1 | None | base_2027q2_interest_income |
| /operating_model/cells/base_2027q2_cash_earnings:base/id | None | base_2027q2_cash_earnings |
| /operating_model/cells/base_2027q2_cash_earnings:base/kind | None | derived |
| /operating_model/cells/base_2027q2_cash_earnings:base/label | None | Adjusted EBITDA plus cash interest income |
| /operating_model/cells/base_2027q2_cash_earnings:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_cash_earnings:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_cash_earnings:base/value | None | 190.0 |
| /operating_model/cells/base_2027q2_cash_interest_tax:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q2_cash_interest_tax:base/case | None | base |
| /operating_model/cells/base_2027q2_cash_interest_tax:base/id | None | base_2027q2_cash_interest_tax |
| /operating_model/cells/base_2027q2_cash_interest_tax:base/kind | None | assumption |
| /operating_model/cells/base_2027q2_cash_interest_tax:base/label | None | Cash interest and taxes |
| /operating_model/cells/base_2027q2_cash_interest_tax:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_cash_interest_tax:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_cash_interest_tax:base/value | None | 11.0 |
| /operating_model/cells/base_2027q2_cash_uses:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2027q2_cash_uses:base/case | None | base |
| /operating_model/cells/base_2027q2_cash_uses:base/formula/op | None | sum |
| /operating_model/cells/base_2027q2_cash_uses:base/formula/refs/0 | None | base_2027q2_cash_adjustments |
| /operating_model/cells/base_2027q2_cash_uses:base/formula/refs/1 | None | base_2027q2_cash_interest_tax |
| /operating_model/cells/base_2027q2_cash_uses:base/formula/refs/2 | None | base_2027q2_wc |
| /operating_model/cells/base_2027q2_cash_uses:base/id | None | base_2027q2_cash_uses |
| /operating_model/cells/base_2027q2_cash_uses:base/kind | None | derived |
| /operating_model/cells/base_2027q2_cash_uses:base/label | None | Cash adjustments taxes interest and working capital |
| /operating_model/cells/base_2027q2_cash_uses:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_cash_uses:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_cash_uses:base/value | None | 43.0 |
| /operating_model/cells/base_2027q2_cfo:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2027q2_cfo:base/case | None | base |
| /operating_model/cells/base_2027q2_cfo:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q2_cfo:base/formula/refs/0 | None | base_2027q2_cash_earnings |
| /operating_model/cells/base_2027q2_cfo:base/formula/refs/1 | None | base_2027q2_cash_uses |
| /operating_model/cells/base_2027q2_cfo:base/id | None | base_2027q2_cfo |
| /operating_model/cells/base_2027q2_cfo:base/kind | None | derived |
| /operating_model/cells/base_2027q2_cfo:base/label | None | Operating cash flow proxy |
| /operating_model/cells/base_2027q2_cfo:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_cfo:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_cfo:base/value | None | 147.0 |
| /operating_model/cells/base_2027q2_da:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q2_da:base/case | None | base |
| /operating_model/cells/base_2027q2_da:base/id | None | base_2027q2_da |
| /operating_model/cells/base_2027q2_da:base/kind | None | assumption |
| /operating_model/cells/base_2027q2_da:base/label | None | Total D&A |
| /operating_model/cells/base_2027q2_da:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_da:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_da:base/value | None | 11.0 |
| /operating_model/cells/base_2027q2_gaap_adjustments:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2027q2_gaap_adjustments:base/case | None | base |
| /operating_model/cells/base_2027q2_gaap_adjustments:base/formula/op | None | sum |
| /operating_model/cells/base_2027q2_gaap_adjustments:base/formula/refs/0 | None | base_2027q2_sbc |
| /operating_model/cells/base_2027q2_gaap_adjustments:base/formula/refs/1 | None | base_2027q2_da |
| /operating_model/cells/base_2027q2_gaap_adjustments:base/formula/refs/2 | None | base_2027q2_cash_adjustments |
| /operating_model/cells/base_2027q2_gaap_adjustments:base/id | None | base_2027q2_gaap_adjustments |
| /operating_model/cells/base_2027q2_gaap_adjustments:base/kind | None | derived |
| /operating_model/cells/base_2027q2_gaap_adjustments:base/label | None | SBC D&A and cash excluded costs |
| /operating_model/cells/base_2027q2_gaap_adjustments:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_gaap_adjustments:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_gaap_adjustments:base/value | None | 97.0 |
| /operating_model/cells/base_2027q2_gross_margin:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q2_gross_margin:base/case | None | base |
| /operating_model/cells/base_2027q2_gross_margin:base/id | None | base_2027q2_gross_margin |
| /operating_model/cells/base_2027q2_gross_margin:base/kind | None | assumption |
| /operating_model/cells/base_2027q2_gross_margin:base/label | None | Gross margin |
| /operating_model/cells/base_2027q2_gross_margin:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_gross_margin:base/unit | None | ratio |
| /operating_model/cells/base_2027q2_gross_margin:base/value | None | 0.89 |
| /operating_model/cells/base_2027q2_gross_profit:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2027q2_gross_profit:base/case | None | base |
| /operating_model/cells/base_2027q2_gross_profit:base/formula/op | None | multiply |
| /operating_model/cells/base_2027q2_gross_profit:base/formula/refs/0 | None | base_2027q2_revenue |
| /operating_model/cells/base_2027q2_gross_profit:base/formula/refs/1 | None | base_2027q2_gross_margin |
| /operating_model/cells/base_2027q2_gross_profit:base/id | None | base_2027q2_gross_profit |
| /operating_model/cells/base_2027q2_gross_profit:base/kind | None | derived |
| /operating_model/cells/base_2027q2_gross_profit:base/label | None | Gross profit after processing |
| /operating_model/cells/base_2027q2_gross_profit:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_gross_profit:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_gross_profit:base/value | None | 734.25 |
| /operating_model/cells/base_2027q2_interest_income:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q2_interest_income:base/case | None | base |
| /operating_model/cells/base_2027q2_interest_income:base/id | None | base_2027q2_interest_income |
| /operating_model/cells/base_2027q2_interest_income:base/kind | None | assumption |
| /operating_model/cells/base_2027q2_interest_income:base/label | None | Cash interest income |
| /operating_model/cells/base_2027q2_interest_income:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_interest_income:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_interest_income:base/value | None | 5.0 |
| /operating_model/cells/base_2027q2_investment:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2027q2_investment:base/case | None | base |
| /operating_model/cells/base_2027q2_investment:base/formula/op | None | sum |
| /operating_model/cells/base_2027q2_investment:base/formula/refs/0 | None | base_2027q2_net_loan_funding |
| /operating_model/cells/base_2027q2_investment:base/formula/refs/1 | None | base_2027q2_capex |
| /operating_model/cells/base_2027q2_investment:base/id | None | base_2027q2_investment |
| /operating_model/cells/base_2027q2_investment:base/kind | None | derived |
| /operating_model/cells/base_2027q2_investment:base/label | None | Loans and assets |
| /operating_model/cells/base_2027q2_investment:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_investment:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_investment:base/value | None | 63.0 |
| /operating_model/cells/base_2027q2_member_index:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q2_member_index:base/case | None | base |
| /operating_model/cells/base_2027q2_member_index:base/id | None | base_2027q2_member_index |
| /operating_model/cells/base_2027q2_member_index:base/kind | None | assumption |
| /operating_model/cells/base_2027q2_member_index:base/label | None | Active-member exposure index |
| /operating_model/cells/base_2027q2_member_index:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_member_index:base/unit | None | ratio |
| /operating_model/cells/base_2027q2_member_index:base/value | None | 1.0999999999999999 |
| /operating_model/cells/base_2027q2_mypay_loss_rate:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q2_mypay_loss_rate:base/case | None | base |
| /operating_model/cells/base_2027q2_mypay_loss_rate:base/id | None | base_2027q2_mypay_loss_rate |
| /operating_model/cells/base_2027q2_mypay_loss_rate:base/kind | None | assumption |
| /operating_model/cells/base_2027q2_mypay_loss_rate:base/label | None | MyPay loss rate |
| /operating_model/cells/base_2027q2_mypay_loss_rate:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_mypay_loss_rate:base/unit | None | ratio |
| /operating_model/cells/base_2027q2_mypay_loss_rate:base/value | None | 0.009 |
| /operating_model/cells/base_2027q2_mypay_losses:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2027q2_mypay_losses:base/case | None | base |
| /operating_model/cells/base_2027q2_mypay_losses:base/formula/op | None | multiply |
| /operating_model/cells/base_2027q2_mypay_losses:base/formula/refs/0 | None | base_2027q2_mypay_originations |
| /operating_model/cells/base_2027q2_mypay_losses:base/formula/refs/1 | None | base_2027q2_mypay_loss_rate |
| /operating_model/cells/base_2027q2_mypay_losses:base/id | None | base_2027q2_mypay_losses |
| /operating_model/cells/base_2027q2_mypay_losses:base/kind | None | derived |
| /operating_model/cells/base_2027q2_mypay_losses:base/label | None | MyPay loss allowance |
| /operating_model/cells/base_2027q2_mypay_losses:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_mypay_losses:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_mypay_losses:base/value | None | 52.199999999999996 |
| /operating_model/cells/base_2027q2_mypay_originations:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q2_mypay_originations:base/case | None | base |
| /operating_model/cells/base_2027q2_mypay_originations:base/id | None | base_2027q2_mypay_originations |
| /operating_model/cells/base_2027q2_mypay_originations:base/kind | None | assumption |
| /operating_model/cells/base_2027q2_mypay_originations:base/label | None | MyPay origination activity |
| /operating_model/cells/base_2027q2_mypay_originations:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_mypay_originations:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_mypay_originations:base/value | None | 5800.0 |
| /operating_model/cells/base_2027q2_net_loan_funding:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q2_net_loan_funding:base/case | None | base |
| /operating_model/cells/base_2027q2_net_loan_funding:base/id | None | base_2027q2_net_loan_funding |
| /operating_model/cells/base_2027q2_net_loan_funding:base/kind | None | assumption |
| /operating_model/cells/base_2027q2_net_loan_funding:base/label | None | Loans purchased less repayments |
| /operating_model/cells/base_2027q2_net_loan_funding:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_net_loan_funding:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_net_loan_funding:base/value | None | 50.0 |
| /operating_model/cells/base_2027q2_operating_income:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2027q2_operating_income:base/case | None | base |
| /operating_model/cells/base_2027q2_operating_income:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q2_operating_income:base/formula/refs/0 | None | base_2027q2_adj_ebitda |
| /operating_model/cells/base_2027q2_operating_income:base/formula/refs/1 | None | base_2027q2_gaap_adjustments |
| /operating_model/cells/base_2027q2_operating_income:base/id | None | base_2027q2_operating_income |
| /operating_model/cells/base_2027q2_operating_income:base/kind | None | derived |
| /operating_model/cells/base_2027q2_operating_income:base/label | None | Operating income proxy |
| /operating_model/cells/base_2027q2_operating_income:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_operating_income:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_operating_income:base/value | None | 88.0 |
| /operating_model/cells/base_2027q2_other_risk:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q2_other_risk:base/case | None | base |
| /operating_model/cells/base_2027q2_other_risk:base/id | None | base_2027q2_other_risk |
| /operating_model/cells/base_2027q2_other_risk:base/kind | None | assumption |
| /operating_model/cells/base_2027q2_other_risk:base/label | None | Other lending, dispute and risk cost |
| /operating_model/cells/base_2027q2_other_risk:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_other_risk:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_other_risk:base/value | None | 75.0 |
| /operating_model/cells/base_2027q2_payment_yield:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q2_payment_yield:base/case | None | base |
| /operating_model/cells/base_2027q2_payment_yield:base/id | None | base_2027q2_payment_yield |
| /operating_model/cells/base_2027q2_payment_yield:base/kind | None | assumption |
| /operating_model/cells/base_2027q2_payment_yield:base/label | None | Net payments yield |
| /operating_model/cells/base_2027q2_payment_yield:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_payment_yield:base/unit | None | ratio |
| /operating_model/cells/base_2027q2_payment_yield:base/value | None | 0.011363636363636364 |
| /operating_model/cells/base_2027q2_payments:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2027q2_payments:base/case | None | base |
| /operating_model/cells/base_2027q2_payments:base/formula/op | None | multiply |
| /operating_model/cells/base_2027q2_payments:base/formula/refs/0 | None | base_2027q2_purchase_volume |
| /operating_model/cells/base_2027q2_payments:base/formula/refs/1 | None | base_2027q2_payment_yield |
| /operating_model/cells/base_2027q2_payments:base/id | None | base_2027q2_payments |
| /operating_model/cells/base_2027q2_payments:base/kind | None | derived |
| /operating_model/cells/base_2027q2_payments:base/label | None | Payments revenue |
| /operating_model/cells/base_2027q2_payments:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_payments:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_payments:base/value | None | 500.0 |
| /operating_model/cells/base_2027q2_platform:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2027q2_platform:base/case | None | base |
| /operating_model/cells/base_2027q2_platform:base/formula/op | None | multiply |
| /operating_model/cells/base_2027q2_platform:base/formula/refs/0 | None | q2_platform |
| /operating_model/cells/base_2027q2_platform:base/formula/refs/1 | None | base_2027q2_member_index |
| /operating_model/cells/base_2027q2_platform:base/formula/refs/2 | None | base_2027q2_platform_monetization |
| /operating_model/cells/base_2027q2_platform:base/id | None | base_2027q2_platform |
| /operating_model/cells/base_2027q2_platform:base/kind | None | derived |
| /operating_model/cells/base_2027q2_platform:base/label | None | Platform revenue |
| /operating_model/cells/base_2027q2_platform:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_platform:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_platform:base/value | None | 325.0 |
| /operating_model/cells/base_2027q2_platform_monetization:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q2_platform_monetization:base/case | None | base |
| /operating_model/cells/base_2027q2_platform_monetization:base/id | None | base_2027q2_platform_monetization |
| /operating_model/cells/base_2027q2_platform_monetization:base/kind | None | assumption |
| /operating_model/cells/base_2027q2_platform_monetization:base/label | None | Platform monetization index |
| /operating_model/cells/base_2027q2_platform_monetization:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_platform_monetization:base/unit | None | ratio |
| /operating_model/cells/base_2027q2_platform_monetization:base/value | None | 1.2324008419762553 |
| /operating_model/cells/base_2027q2_purchase_volume:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q2_purchase_volume:base/case | None | base |
| /operating_model/cells/base_2027q2_purchase_volume:base/id | None | base_2027q2_purchase_volume |
| /operating_model/cells/base_2027q2_purchase_volume:base/kind | None | assumption |
| /operating_model/cells/base_2027q2_purchase_volume:base/label | None | Purchase volume |
| /operating_model/cells/base_2027q2_purchase_volume:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_purchase_volume:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_purchase_volume:base/value | None | 44000.0 |
| /operating_model/cells/base_2027q2_revenue:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2027q2_revenue:base/case | None | base |
| /operating_model/cells/base_2027q2_revenue:base/formula/op | None | sum |
| /operating_model/cells/base_2027q2_revenue:base/formula/refs/0 | None | base_2027q2_payments |
| /operating_model/cells/base_2027q2_revenue:base/formula/refs/1 | None | base_2027q2_platform |
| /operating_model/cells/base_2027q2_revenue:base/id | None | base_2027q2_revenue |
| /operating_model/cells/base_2027q2_revenue:base/kind | None | derived |
| /operating_model/cells/base_2027q2_revenue:base/label | None | Revenue |
| /operating_model/cells/base_2027q2_revenue:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_revenue:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_revenue:base/value | None | 825.0 |
| /operating_model/cells/base_2027q2_risk:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2027q2_risk:base/case | None | base |
| /operating_model/cells/base_2027q2_risk:base/formula/op | None | sum |
| /operating_model/cells/base_2027q2_risk:base/formula/refs/0 | None | base_2027q2_mypay_losses |
| /operating_model/cells/base_2027q2_risk:base/formula/refs/1 | None | base_2027q2_other_risk |
| /operating_model/cells/base_2027q2_risk:base/id | None | base_2027q2_risk |
| /operating_model/cells/base_2027q2_risk:base/kind | None | derived |
| /operating_model/cells/base_2027q2_risk:base/label | None | Transaction and risk loss allowance |
| /operating_model/cells/base_2027q2_risk:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_risk:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_risk:base/value | None | 127.19999999999999 |
| /operating_model/cells/base_2027q2_sbc:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q2_sbc:base/case | None | base |
| /operating_model/cells/base_2027q2_sbc:base/id | None | base_2027q2_sbc |
| /operating_model/cells/base_2027q2_sbc:base/kind | None | assumption |
| /operating_model/cells/base_2027q2_sbc:base/label | None | Total SBC and stock charitable cost |
| /operating_model/cells/base_2027q2_sbc:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_sbc:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_sbc:base/value | None | 84.0 |
| /operating_model/cells/base_2027q2_stride_closing:base/basis | None | Conditional quarter placement; expected H1 2027, downside assumes delay. No acquired operations or synergy booked. |
| /operating_model/cells/base_2027q2_stride_closing:base/case | None | base |
| /operating_model/cells/base_2027q2_stride_closing:base/id | None | base_2027q2_stride_closing |
| /operating_model/cells/base_2027q2_stride_closing:base/kind | None | assumption |
| /operating_model/cells/base_2027q2_stride_closing:base/label | None | Stride closing switch |
| /operating_model/cells/base_2027q2_stride_closing:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_stride_closing:base/unit | None | ratio |
| /operating_model/cells/base_2027q2_stride_closing:base/value | None | 1.0 |
| /operating_model/cells/base_2027q2_transaction_profit:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2027q2_transaction_profit:base/case | None | base |
| /operating_model/cells/base_2027q2_transaction_profit:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q2_transaction_profit:base/formula/refs/0 | None | base_2027q2_gross_profit |
| /operating_model/cells/base_2027q2_transaction_profit:base/formula/refs/1 | None | base_2027q2_risk |
| /operating_model/cells/base_2027q2_transaction_profit:base/id | None | base_2027q2_transaction_profit |
| /operating_model/cells/base_2027q2_transaction_profit:base/kind | None | derived |
| /operating_model/cells/base_2027q2_transaction_profit:base/label | None | Transaction profit |
| /operating_model/cells/base_2027q2_transaction_profit:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_transaction_profit:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_transaction_profit:base/value | None | 607.05 |
| /operating_model/cells/base_2027q2_wc:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q2_wc:base/case | None | base |
| /operating_model/cells/base_2027q2_wc:base/id | None | base_2027q2_wc |
| /operating_model/cells/base_2027q2_wc:base/kind | None | assumption |
| /operating_model/cells/base_2027q2_wc:base/label | None | Product collateral and net operating working-capital use |
| /operating_model/cells/base_2027q2_wc:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_wc:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_wc:base/value | None | 30.0 |
| /operating_model/cells/base_2027q3_acquisition_cash:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2027q3_acquisition_cash:base/case | None | base |
| /operating_model/cells/base_2027q3_acquisition_cash:base/formula/op | None | multiply |
| /operating_model/cells/base_2027q3_acquisition_cash:base/formula/refs/0 | None | stride_price |
| /operating_model/cells/base_2027q3_acquisition_cash:base/formula/refs/1 | None | base_2027q3_stride_closing |
| /operating_model/cells/base_2027q3_acquisition_cash:base/id | None | base_2027q3_acquisition_cash |
| /operating_model/cells/base_2027q3_acquisition_cash:base/kind | None | derived |
| /operating_model/cells/base_2027q3_acquisition_cash:base/label | None | Conditional Stride purchase cash |
| /operating_model/cells/base_2027q3_acquisition_cash:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_acquisition_cash:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_acquisition_cash:base/value | None | 0.0 |
| /operating_model/cells/base_2027q3_adj_ebitda:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2027q3_adj_ebitda:base/case | None | base |
| /operating_model/cells/base_2027q3_adj_ebitda:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q3_adj_ebitda:base/formula/refs/0 | None | base_2027q3_transaction_profit |
| /operating_model/cells/base_2027q3_adj_ebitda:base/formula/refs/1 | None | base_2027q3_adjusted_costs |
| /operating_model/cells/base_2027q3_adj_ebitda:base/id | None | base_2027q3_adj_ebitda |
| /operating_model/cells/base_2027q3_adj_ebitda:base/kind | None | derived |
| /operating_model/cells/base_2027q3_adj_ebitda:base/label | None | Adjusted EBITDA proxy |
| /operating_model/cells/base_2027q3_adj_ebitda:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_adj_ebitda:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_adj_ebitda:base/value | None | 210.0 |
| /operating_model/cells/base_2027q3_adjusted_costs:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q3_adjusted_costs:base/case | None | base |
| /operating_model/cells/base_2027q3_adjusted_costs:base/id | None | base_2027q3_adjusted_costs |
| /operating_model/cells/base_2027q3_adjusted_costs:base/kind | None | assumption |
| /operating_model/cells/base_2027q3_adjusted_costs:base/label | None | Adjusted product, sales and corporate cost |
| /operating_model/cells/base_2027q3_adjusted_costs:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_adjusted_costs:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_adjusted_costs:base/value | None | 439.4000000000001 |
| /operating_model/cells/base_2027q3_capex:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q3_capex:base/case | None | base |
| /operating_model/cells/base_2027q3_capex:base/id | None | base_2027q3_capex |
| /operating_model/cells/base_2027q3_capex:base/kind | None | assumption |
| /operating_model/cells/base_2027q3_capex:base/label | None | PP&E and purchased/internal software cash |
| /operating_model/cells/base_2027q3_capex:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_capex:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_capex:base/value | None | 14.0 |
| /operating_model/cells/base_2027q3_cash_adjustments:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q3_cash_adjustments:base/case | None | base |
| /operating_model/cells/base_2027q3_cash_adjustments:base/id | None | base_2027q3_cash_adjustments |
| /operating_model/cells/base_2027q3_cash_adjustments:base/kind | None | assumption |
| /operating_model/cells/base_2027q3_cash_adjustments:base/label | None | Cash costs excluded from adjusted EBITDA |
| /operating_model/cells/base_2027q3_cash_adjustments:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_cash_adjustments:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_cash_adjustments:base/value | None | 2.0 |
| /operating_model/cells/base_2027q3_cash_after_acquisition:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2027q3_cash_after_acquisition:base/case | None | base |
| /operating_model/cells/base_2027q3_cash_after_acquisition:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q3_cash_after_acquisition:base/formula/refs/0 | None | base_2027q3_cash_after_funding |
| /operating_model/cells/base_2027q3_cash_after_acquisition:base/formula/refs/1 | None | base_2027q3_acquisition_cash |
| /operating_model/cells/base_2027q3_cash_after_acquisition:base/id | None | base_2027q3_cash_after_acquisition |
| /operating_model/cells/base_2027q3_cash_after_acquisition:base/kind | None | derived |
| /operating_model/cells/base_2027q3_cash_after_acquisition:base/label | None | Cash after proposed bank purchase |
| /operating_model/cells/base_2027q3_cash_after_acquisition:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_cash_after_acquisition:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_cash_after_acquisition:base/value | None | 96.0 |
| /operating_model/cells/base_2027q3_cash_after_funding:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2027q3_cash_after_funding:base/case | None | base |
| /operating_model/cells/base_2027q3_cash_after_funding:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q3_cash_after_funding:base/formula/refs/0 | None | base_2027q3_cfo |
| /operating_model/cells/base_2027q3_cash_after_funding:base/formula/refs/1 | None | base_2027q3_investment |
| /operating_model/cells/base_2027q3_cash_after_funding:base/id | None | base_2027q3_cash_after_funding |
| /operating_model/cells/base_2027q3_cash_after_funding:base/kind | None | derived |
| /operating_model/cells/base_2027q3_cash_after_funding:base/label | None | Cash after loan funding and assets |
| /operating_model/cells/base_2027q3_cash_after_funding:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_cash_after_funding:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_cash_after_funding:base/value | None | 96.0 |
| /operating_model/cells/base_2027q3_cash_earnings:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2027q3_cash_earnings:base/case | None | base |
| /operating_model/cells/base_2027q3_cash_earnings:base/formula/op | None | sum |
| /operating_model/cells/base_2027q3_cash_earnings:base/formula/refs/0 | None | base_2027q3_adj_ebitda |
| /operating_model/cells/base_2027q3_cash_earnings:base/formula/refs/1 | None | base_2027q3_interest_income |
| /operating_model/cells/base_2027q3_cash_earnings:base/id | None | base_2027q3_cash_earnings |
| /operating_model/cells/base_2027q3_cash_earnings:base/kind | None | derived |
| /operating_model/cells/base_2027q3_cash_earnings:base/label | None | Adjusted EBITDA plus cash interest income |
| /operating_model/cells/base_2027q3_cash_earnings:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_cash_earnings:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_cash_earnings:base/value | None | 215.0 |
| /operating_model/cells/base_2027q3_cash_interest_tax:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q3_cash_interest_tax:base/case | None | base |
| /operating_model/cells/base_2027q3_cash_interest_tax:base/id | None | base_2027q3_cash_interest_tax |
| /operating_model/cells/base_2027q3_cash_interest_tax:base/kind | None | assumption |
| /operating_model/cells/base_2027q3_cash_interest_tax:base/label | None | Cash interest and taxes |
| /operating_model/cells/base_2027q3_cash_interest_tax:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_cash_interest_tax:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_cash_interest_tax:base/value | None | 13.0 |
| /operating_model/cells/base_2027q3_cash_uses:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2027q3_cash_uses:base/case | None | base |
| /operating_model/cells/base_2027q3_cash_uses:base/formula/op | None | sum |
| /operating_model/cells/base_2027q3_cash_uses:base/formula/refs/0 | None | base_2027q3_cash_adjustments |
| /operating_model/cells/base_2027q3_cash_uses:base/formula/refs/1 | None | base_2027q3_cash_interest_tax |
| /operating_model/cells/base_2027q3_cash_uses:base/formula/refs/2 | None | base_2027q3_wc |
| /operating_model/cells/base_2027q3_cash_uses:base/id | None | base_2027q3_cash_uses |
| /operating_model/cells/base_2027q3_cash_uses:base/kind | None | derived |
| /operating_model/cells/base_2027q3_cash_uses:base/label | None | Cash adjustments taxes interest and working capital |
| /operating_model/cells/base_2027q3_cash_uses:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_cash_uses:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_cash_uses:base/value | None | 50.0 |
| /operating_model/cells/base_2027q3_cfo:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2027q3_cfo:base/case | None | base |
| /operating_model/cells/base_2027q3_cfo:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q3_cfo:base/formula/refs/0 | None | base_2027q3_cash_earnings |
| /operating_model/cells/base_2027q3_cfo:base/formula/refs/1 | None | base_2027q3_cash_uses |
| /operating_model/cells/base_2027q3_cfo:base/id | None | base_2027q3_cfo |
| /operating_model/cells/base_2027q3_cfo:base/kind | None | derived |
| /operating_model/cells/base_2027q3_cfo:base/label | None | Operating cash flow proxy |
| /operating_model/cells/base_2027q3_cfo:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_cfo:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_cfo:base/value | None | 165.0 |
| /operating_model/cells/base_2027q3_da:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q3_da:base/case | None | base |
| /operating_model/cells/base_2027q3_da:base/id | None | base_2027q3_da |
| /operating_model/cells/base_2027q3_da:base/kind | None | assumption |
| /operating_model/cells/base_2027q3_da:base/label | None | Total D&A |
| /operating_model/cells/base_2027q3_da:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_da:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_da:base/value | None | 12.0 |
| /operating_model/cells/base_2027q3_gaap_adjustments:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2027q3_gaap_adjustments:base/case | None | base |
| /operating_model/cells/base_2027q3_gaap_adjustments:base/formula/op | None | sum |
| /operating_model/cells/base_2027q3_gaap_adjustments:base/formula/refs/0 | None | base_2027q3_sbc |
| /operating_model/cells/base_2027q3_gaap_adjustments:base/formula/refs/1 | None | base_2027q3_da |
| /operating_model/cells/base_2027q3_gaap_adjustments:base/formula/refs/2 | None | base_2027q3_cash_adjustments |
| /operating_model/cells/base_2027q3_gaap_adjustments:base/id | None | base_2027q3_gaap_adjustments |
| /operating_model/cells/base_2027q3_gaap_adjustments:base/kind | None | derived |
| /operating_model/cells/base_2027q3_gaap_adjustments:base/label | None | SBC D&A and cash excluded costs |
| /operating_model/cells/base_2027q3_gaap_adjustments:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_gaap_adjustments:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_gaap_adjustments:base/value | None | 102.0 |
| /operating_model/cells/base_2027q3_gross_margin:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q3_gross_margin:base/case | None | base |
| /operating_model/cells/base_2027q3_gross_margin:base/id | None | base_2027q3_gross_margin |
| /operating_model/cells/base_2027q3_gross_margin:base/kind | None | assumption |
| /operating_model/cells/base_2027q3_gross_margin:base/label | None | Gross margin |
| /operating_model/cells/base_2027q3_gross_margin:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_gross_margin:base/unit | None | ratio |
| /operating_model/cells/base_2027q3_gross_margin:base/value | None | 0.89 |
| /operating_model/cells/base_2027q3_gross_profit:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2027q3_gross_profit:base/case | None | base |
| /operating_model/cells/base_2027q3_gross_profit:base/formula/op | None | multiply |
| /operating_model/cells/base_2027q3_gross_profit:base/formula/refs/0 | None | base_2027q3_revenue |
| /operating_model/cells/base_2027q3_gross_profit:base/formula/refs/1 | None | base_2027q3_gross_margin |
| /operating_model/cells/base_2027q3_gross_profit:base/id | None | base_2027q3_gross_profit |
| /operating_model/cells/base_2027q3_gross_profit:base/kind | None | derived |
| /operating_model/cells/base_2027q3_gross_profit:base/label | None | Gross profit after processing |
| /operating_model/cells/base_2027q3_gross_profit:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_gross_profit:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_gross_profit:base/value | None | 783.2 |
| /operating_model/cells/base_2027q3_interest_income:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q3_interest_income:base/case | None | base |
| /operating_model/cells/base_2027q3_interest_income:base/id | None | base_2027q3_interest_income |
| /operating_model/cells/base_2027q3_interest_income:base/kind | None | assumption |
| /operating_model/cells/base_2027q3_interest_income:base/label | None | Cash interest income |
| /operating_model/cells/base_2027q3_interest_income:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_interest_income:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_interest_income:base/value | None | 5.0 |
| /operating_model/cells/base_2027q3_investment:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2027q3_investment:base/case | None | base |
| /operating_model/cells/base_2027q3_investment:base/formula/op | None | sum |
| /operating_model/cells/base_2027q3_investment:base/formula/refs/0 | None | base_2027q3_net_loan_funding |
| /operating_model/cells/base_2027q3_investment:base/formula/refs/1 | None | base_2027q3_capex |
| /operating_model/cells/base_2027q3_investment:base/id | None | base_2027q3_investment |
| /operating_model/cells/base_2027q3_investment:base/kind | None | derived |
| /operating_model/cells/base_2027q3_investment:base/label | None | Loans and assets |
| /operating_model/cells/base_2027q3_investment:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_investment:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_investment:base/value | None | 69.0 |
| /operating_model/cells/base_2027q3_member_index:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q3_member_index:base/case | None | base |
| /operating_model/cells/base_2027q3_member_index:base/id | None | base_2027q3_member_index |
| /operating_model/cells/base_2027q3_member_index:base/kind | None | assumption |
| /operating_model/cells/base_2027q3_member_index:base/label | None | Active-member exposure index |
| /operating_model/cells/base_2027q3_member_index:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_member_index:base/unit | None | ratio |
| /operating_model/cells/base_2027q3_member_index:base/value | None | 1.125 |
| /operating_model/cells/base_2027q3_mypay_loss_rate:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q3_mypay_loss_rate:base/case | None | base |
| /operating_model/cells/base_2027q3_mypay_loss_rate:base/id | None | base_2027q3_mypay_loss_rate |
| /operating_model/cells/base_2027q3_mypay_loss_rate:base/kind | None | assumption |
| /operating_model/cells/base_2027q3_mypay_loss_rate:base/label | None | MyPay loss rate |
| /operating_model/cells/base_2027q3_mypay_loss_rate:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_mypay_loss_rate:base/unit | None | ratio |
| /operating_model/cells/base_2027q3_mypay_loss_rate:base/value | None | 0.009 |
| /operating_model/cells/base_2027q3_mypay_losses:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2027q3_mypay_losses:base/case | None | base |
| /operating_model/cells/base_2027q3_mypay_losses:base/formula/op | None | multiply |
| /operating_model/cells/base_2027q3_mypay_losses:base/formula/refs/0 | None | base_2027q3_mypay_originations |
| /operating_model/cells/base_2027q3_mypay_losses:base/formula/refs/1 | None | base_2027q3_mypay_loss_rate |
| /operating_model/cells/base_2027q3_mypay_losses:base/id | None | base_2027q3_mypay_losses |
| /operating_model/cells/base_2027q3_mypay_losses:base/kind | None | derived |
| /operating_model/cells/base_2027q3_mypay_losses:base/label | None | MyPay loss allowance |
| /operating_model/cells/base_2027q3_mypay_losses:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_mypay_losses:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_mypay_losses:base/value | None | 55.8 |
| /operating_model/cells/base_2027q3_mypay_originations:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q3_mypay_originations:base/case | None | base |
| /operating_model/cells/base_2027q3_mypay_originations:base/id | None | base_2027q3_mypay_originations |
| /operating_model/cells/base_2027q3_mypay_originations:base/kind | None | assumption |
| /operating_model/cells/base_2027q3_mypay_originations:base/label | None | MyPay origination activity |
| /operating_model/cells/base_2027q3_mypay_originations:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_mypay_originations:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_mypay_originations:base/value | None | 6200.0 |
| /operating_model/cells/base_2027q3_net_loan_funding:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q3_net_loan_funding:base/case | None | base |
| /operating_model/cells/base_2027q3_net_loan_funding:base/id | None | base_2027q3_net_loan_funding |
| /operating_model/cells/base_2027q3_net_loan_funding:base/kind | None | assumption |
| /operating_model/cells/base_2027q3_net_loan_funding:base/label | None | Loans purchased less repayments |
| /operating_model/cells/base_2027q3_net_loan_funding:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_net_loan_funding:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_net_loan_funding:base/value | None | 55.0 |
| /operating_model/cells/base_2027q3_operating_income:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2027q3_operating_income:base/case | None | base |
| /operating_model/cells/base_2027q3_operating_income:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q3_operating_income:base/formula/refs/0 | None | base_2027q3_adj_ebitda |
| /operating_model/cells/base_2027q3_operating_income:base/formula/refs/1 | None | base_2027q3_gaap_adjustments |
| /operating_model/cells/base_2027q3_operating_income:base/id | None | base_2027q3_operating_income |
| /operating_model/cells/base_2027q3_operating_income:base/kind | None | derived |
| /operating_model/cells/base_2027q3_operating_income:base/label | None | Operating income proxy |
| /operating_model/cells/base_2027q3_operating_income:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_operating_income:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_operating_income:base/value | None | 108.0 |
| /operating_model/cells/base_2027q3_other_risk:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q3_other_risk:base/case | None | base |
| /operating_model/cells/base_2027q3_other_risk:base/id | None | base_2027q3_other_risk |
| /operating_model/cells/base_2027q3_other_risk:base/kind | None | assumption |
| /operating_model/cells/base_2027q3_other_risk:base/label | None | Other lending, dispute and risk cost |
| /operating_model/cells/base_2027q3_other_risk:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_other_risk:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_other_risk:base/value | None | 78.0 |
| /operating_model/cells/base_2027q3_payment_yield:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q3_payment_yield:base/case | None | base |
| /operating_model/cells/base_2027q3_payment_yield:base/id | None | base_2027q3_payment_yield |
| /operating_model/cells/base_2027q3_payment_yield:base/kind | None | assumption |
| /operating_model/cells/base_2027q3_payment_yield:base/label | None | Net payments yield |
| /operating_model/cells/base_2027q3_payment_yield:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_payment_yield:base/unit | None | ratio |
| /operating_model/cells/base_2027q3_payment_yield:base/value | None | 0.011397849462365592 |
| /operating_model/cells/base_2027q3_payments:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2027q3_payments:base/case | None | base |
| /operating_model/cells/base_2027q3_payments:base/formula/op | None | multiply |
| /operating_model/cells/base_2027q3_payments:base/formula/refs/0 | None | base_2027q3_purchase_volume |
| /operating_model/cells/base_2027q3_payments:base/formula/refs/1 | None | base_2027q3_payment_yield |
| /operating_model/cells/base_2027q3_payments:base/id | None | base_2027q3_payments |
| /operating_model/cells/base_2027q3_payments:base/kind | None | derived |
| /operating_model/cells/base_2027q3_payments:base/label | None | Payments revenue |
| /operating_model/cells/base_2027q3_payments:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_payments:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_payments:base/value | None | 530.0 |
| /operating_model/cells/base_2027q3_platform:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2027q3_platform:base/case | None | base |
| /operating_model/cells/base_2027q3_platform:base/formula/op | None | multiply |
| /operating_model/cells/base_2027q3_platform:base/formula/refs/0 | None | q2_platform |
| /operating_model/cells/base_2027q3_platform:base/formula/refs/1 | None | base_2027q3_member_index |
| /operating_model/cells/base_2027q3_platform:base/formula/refs/2 | None | base_2027q3_platform_monetization |
| /operating_model/cells/base_2027q3_platform:base/id | None | base_2027q3_platform |
| /operating_model/cells/base_2027q3_platform:base/kind | None | derived |
| /operating_model/cells/base_2027q3_platform:base/label | None | Platform revenue |
| /operating_model/cells/base_2027q3_platform:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_platform:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_platform:base/value | None | 349.99999999999994 |
| /operating_model/cells/base_2027q3_platform_monetization:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q3_platform_monetization:base/case | None | base |
| /operating_model/cells/base_2027q3_platform_monetization:base/id | None | base_2027q3_platform_monetization |
| /operating_model/cells/base_2027q3_platform_monetization:base/kind | None | assumption |
| /operating_model/cells/base_2027q3_platform_monetization:base/label | None | Platform monetization index |
| /operating_model/cells/base_2027q3_platform_monetization:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_platform_monetization:base/unit | None | ratio |
| /operating_model/cells/base_2027q3_platform_monetization:base/value | None | 1.297707553260467 |
| /operating_model/cells/base_2027q3_purchase_volume:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q3_purchase_volume:base/case | None | base |
| /operating_model/cells/base_2027q3_purchase_volume:base/id | None | base_2027q3_purchase_volume |
| /operating_model/cells/base_2027q3_purchase_volume:base/kind | None | assumption |
| /operating_model/cells/base_2027q3_purchase_volume:base/label | None | Purchase volume |
| /operating_model/cells/base_2027q3_purchase_volume:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_purchase_volume:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_purchase_volume:base/value | None | 46500.0 |
| /operating_model/cells/base_2027q3_revenue:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2027q3_revenue:base/case | None | base |
| /operating_model/cells/base_2027q3_revenue:base/formula/op | None | sum |
| /operating_model/cells/base_2027q3_revenue:base/formula/refs/0 | None | base_2027q3_payments |
| /operating_model/cells/base_2027q3_revenue:base/formula/refs/1 | None | base_2027q3_platform |
| /operating_model/cells/base_2027q3_revenue:base/id | None | base_2027q3_revenue |
| /operating_model/cells/base_2027q3_revenue:base/kind | None | derived |
| /operating_model/cells/base_2027q3_revenue:base/label | None | Revenue |
| /operating_model/cells/base_2027q3_revenue:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_revenue:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_revenue:base/value | None | 880.0 |
| /operating_model/cells/base_2027q3_risk:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2027q3_risk:base/case | None | base |
| /operating_model/cells/base_2027q3_risk:base/formula/op | None | sum |
| /operating_model/cells/base_2027q3_risk:base/formula/refs/0 | None | base_2027q3_mypay_losses |
| /operating_model/cells/base_2027q3_risk:base/formula/refs/1 | None | base_2027q3_other_risk |
| /operating_model/cells/base_2027q3_risk:base/id | None | base_2027q3_risk |
| /operating_model/cells/base_2027q3_risk:base/kind | None | derived |
| /operating_model/cells/base_2027q3_risk:base/label | None | Transaction and risk loss allowance |
| /operating_model/cells/base_2027q3_risk:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_risk:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_risk:base/value | None | 133.8 |
| /operating_model/cells/base_2027q3_sbc:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q3_sbc:base/case | None | base |
| /operating_model/cells/base_2027q3_sbc:base/id | None | base_2027q3_sbc |
| /operating_model/cells/base_2027q3_sbc:base/kind | None | assumption |
| /operating_model/cells/base_2027q3_sbc:base/label | None | Total SBC and stock charitable cost |
| /operating_model/cells/base_2027q3_sbc:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_sbc:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_sbc:base/value | None | 88.0 |
| /operating_model/cells/base_2027q3_stride_closing:base/basis | None | Conditional quarter placement; expected H1 2027, downside assumes delay. No acquired operations or synergy booked. |
| /operating_model/cells/base_2027q3_stride_closing:base/case | None | base |
| /operating_model/cells/base_2027q3_stride_closing:base/id | None | base_2027q3_stride_closing |
| /operating_model/cells/base_2027q3_stride_closing:base/kind | None | assumption |
| /operating_model/cells/base_2027q3_stride_closing:base/label | None | Stride closing switch |
| /operating_model/cells/base_2027q3_stride_closing:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_stride_closing:base/unit | None | ratio |
| /operating_model/cells/base_2027q3_stride_closing:base/value | None | 0.0 |
| /operating_model/cells/base_2027q3_transaction_profit:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2027q3_transaction_profit:base/case | None | base |
| /operating_model/cells/base_2027q3_transaction_profit:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q3_transaction_profit:base/formula/refs/0 | None | base_2027q3_gross_profit |
| /operating_model/cells/base_2027q3_transaction_profit:base/formula/refs/1 | None | base_2027q3_risk |
| /operating_model/cells/base_2027q3_transaction_profit:base/id | None | base_2027q3_transaction_profit |
| /operating_model/cells/base_2027q3_transaction_profit:base/kind | None | derived |
| /operating_model/cells/base_2027q3_transaction_profit:base/label | None | Transaction profit |
| /operating_model/cells/base_2027q3_transaction_profit:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_transaction_profit:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_transaction_profit:base/value | None | 649.4000000000001 |
| /operating_model/cells/base_2027q3_wc:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q3_wc:base/case | None | base |
| /operating_model/cells/base_2027q3_wc:base/id | None | base_2027q3_wc |
| /operating_model/cells/base_2027q3_wc:base/kind | None | assumption |
| /operating_model/cells/base_2027q3_wc:base/label | None | Product collateral and net operating working-capital use |
| /operating_model/cells/base_2027q3_wc:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_wc:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_wc:base/value | None | 35.0 |
| /operating_model/cells/base_2027q4_acquisition_cash:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2027q4_acquisition_cash:base/case | None | base |
| /operating_model/cells/base_2027q4_acquisition_cash:base/formula/op | None | multiply |
| /operating_model/cells/base_2027q4_acquisition_cash:base/formula/refs/0 | None | stride_price |
| /operating_model/cells/base_2027q4_acquisition_cash:base/formula/refs/1 | None | base_2027q4_stride_closing |
| /operating_model/cells/base_2027q4_acquisition_cash:base/id | None | base_2027q4_acquisition_cash |
| /operating_model/cells/base_2027q4_acquisition_cash:base/kind | None | derived |
| /operating_model/cells/base_2027q4_acquisition_cash:base/label | None | Conditional Stride purchase cash |
| /operating_model/cells/base_2027q4_acquisition_cash:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_acquisition_cash:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_acquisition_cash:base/value | None | 0.0 |
| /operating_model/cells/base_2027q4_adj_ebitda:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2027q4_adj_ebitda:base/case | None | base |
| /operating_model/cells/base_2027q4_adj_ebitda:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q4_adj_ebitda:base/formula/refs/0 | None | base_2027q4_transaction_profit |
| /operating_model/cells/base_2027q4_adj_ebitda:base/formula/refs/1 | None | base_2027q4_adjusted_costs |
| /operating_model/cells/base_2027q4_adj_ebitda:base/id | None | base_2027q4_adj_ebitda |
| /operating_model/cells/base_2027q4_adj_ebitda:base/kind | None | derived |
| /operating_model/cells/base_2027q4_adj_ebitda:base/label | None | Adjusted EBITDA proxy |
| /operating_model/cells/base_2027q4_adj_ebitda:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_adj_ebitda:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_adj_ebitda:base/value | None | 235.0 |
| /operating_model/cells/base_2027q4_adjusted_costs:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q4_adjusted_costs:base/case | None | base |
| /operating_model/cells/base_2027q4_adjusted_costs:base/id | None | base_2027q4_adjusted_costs |
| /operating_model/cells/base_2027q4_adjusted_costs:base/kind | None | assumption |
| /operating_model/cells/base_2027q4_adjusted_costs:base/label | None | Adjusted product, sales and corporate cost |
| /operating_model/cells/base_2027q4_adjusted_costs:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_adjusted_costs:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_adjusted_costs:base/value | None | 452.30000000000007 |
| /operating_model/cells/base_2027q4_capex:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q4_capex:base/case | None | base |
| /operating_model/cells/base_2027q4_capex:base/id | None | base_2027q4_capex |
| /operating_model/cells/base_2027q4_capex:base/kind | None | assumption |
| /operating_model/cells/base_2027q4_capex:base/label | None | PP&E and purchased/internal software cash |
| /operating_model/cells/base_2027q4_capex:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_capex:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_capex:base/value | None | 15.0 |
| /operating_model/cells/base_2027q4_cash_adjustments:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q4_cash_adjustments:base/case | None | base |
| /operating_model/cells/base_2027q4_cash_adjustments:base/id | None | base_2027q4_cash_adjustments |
| /operating_model/cells/base_2027q4_cash_adjustments:base/kind | None | assumption |
| /operating_model/cells/base_2027q4_cash_adjustments:base/label | None | Cash costs excluded from adjusted EBITDA |
| /operating_model/cells/base_2027q4_cash_adjustments:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_cash_adjustments:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_cash_adjustments:base/value | None | 2.0 |
| /operating_model/cells/base_2027q4_cash_after_acquisition:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2027q4_cash_after_acquisition:base/case | None | base |
| /operating_model/cells/base_2027q4_cash_after_acquisition:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q4_cash_after_acquisition:base/formula/refs/0 | None | base_2027q4_cash_after_funding |
| /operating_model/cells/base_2027q4_cash_after_acquisition:base/formula/refs/1 | None | base_2027q4_acquisition_cash |
| /operating_model/cells/base_2027q4_cash_after_acquisition:base/id | None | base_2027q4_cash_after_acquisition |
| /operating_model/cells/base_2027q4_cash_after_acquisition:base/kind | None | derived |
| /operating_model/cells/base_2027q4_cash_after_acquisition:base/label | None | Cash after proposed bank purchase |
| /operating_model/cells/base_2027q4_cash_after_acquisition:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_cash_after_acquisition:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_cash_after_acquisition:base/value | None | 108.0 |
| /operating_model/cells/base_2027q4_cash_after_funding:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2027q4_cash_after_funding:base/case | None | base |
| /operating_model/cells/base_2027q4_cash_after_funding:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q4_cash_after_funding:base/formula/refs/0 | None | base_2027q4_cfo |
| /operating_model/cells/base_2027q4_cash_after_funding:base/formula/refs/1 | None | base_2027q4_investment |
| /operating_model/cells/base_2027q4_cash_after_funding:base/id | None | base_2027q4_cash_after_funding |
| /operating_model/cells/base_2027q4_cash_after_funding:base/kind | None | derived |
| /operating_model/cells/base_2027q4_cash_after_funding:base/label | None | Cash after loan funding and assets |
| /operating_model/cells/base_2027q4_cash_after_funding:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_cash_after_funding:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_cash_after_funding:base/value | None | 108.0 |
| /operating_model/cells/base_2027q4_cash_earnings:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2027q4_cash_earnings:base/case | None | base |
| /operating_model/cells/base_2027q4_cash_earnings:base/formula/op | None | sum |
| /operating_model/cells/base_2027q4_cash_earnings:base/formula/refs/0 | None | base_2027q4_adj_ebitda |
| /operating_model/cells/base_2027q4_cash_earnings:base/formula/refs/1 | None | base_2027q4_interest_income |
| /operating_model/cells/base_2027q4_cash_earnings:base/id | None | base_2027q4_cash_earnings |
| /operating_model/cells/base_2027q4_cash_earnings:base/kind | None | derived |
| /operating_model/cells/base_2027q4_cash_earnings:base/label | None | Adjusted EBITDA plus cash interest income |
| /operating_model/cells/base_2027q4_cash_earnings:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_cash_earnings:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_cash_earnings:base/value | None | 240.0 |
| /operating_model/cells/base_2027q4_cash_interest_tax:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q4_cash_interest_tax:base/case | None | base |
| /operating_model/cells/base_2027q4_cash_interest_tax:base/id | None | base_2027q4_cash_interest_tax |
| /operating_model/cells/base_2027q4_cash_interest_tax:base/kind | None | assumption |
| /operating_model/cells/base_2027q4_cash_interest_tax:base/label | None | Cash interest and taxes |
| /operating_model/cells/base_2027q4_cash_interest_tax:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_cash_interest_tax:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_cash_interest_tax:base/value | None | 15.0 |
| /operating_model/cells/base_2027q4_cash_uses:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2027q4_cash_uses:base/case | None | base |
| /operating_model/cells/base_2027q4_cash_uses:base/formula/op | None | sum |
| /operating_model/cells/base_2027q4_cash_uses:base/formula/refs/0 | None | base_2027q4_cash_adjustments |
| /operating_model/cells/base_2027q4_cash_uses:base/formula/refs/1 | None | base_2027q4_cash_interest_tax |
| /operating_model/cells/base_2027q4_cash_uses:base/formula/refs/2 | None | base_2027q4_wc |
| /operating_model/cells/base_2027q4_cash_uses:base/id | None | base_2027q4_cash_uses |
| /operating_model/cells/base_2027q4_cash_uses:base/kind | None | derived |
| /operating_model/cells/base_2027q4_cash_uses:base/label | None | Cash adjustments taxes interest and working capital |
| /operating_model/cells/base_2027q4_cash_uses:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_cash_uses:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_cash_uses:base/value | None | 57.0 |
| /operating_model/cells/base_2027q4_cfo:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2027q4_cfo:base/case | None | base |
| /operating_model/cells/base_2027q4_cfo:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q4_cfo:base/formula/refs/0 | None | base_2027q4_cash_earnings |
| /operating_model/cells/base_2027q4_cfo:base/formula/refs/1 | None | base_2027q4_cash_uses |
| /operating_model/cells/base_2027q4_cfo:base/id | None | base_2027q4_cfo |
| /operating_model/cells/base_2027q4_cfo:base/kind | None | derived |
| /operating_model/cells/base_2027q4_cfo:base/label | None | Operating cash flow proxy |
| /operating_model/cells/base_2027q4_cfo:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_cfo:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_cfo:base/value | None | 183.0 |
| /operating_model/cells/base_2027q4_da:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q4_da:base/case | None | base |
| /operating_model/cells/base_2027q4_da:base/id | None | base_2027q4_da |
| /operating_model/cells/base_2027q4_da:base/kind | None | assumption |
| /operating_model/cells/base_2027q4_da:base/label | None | Total D&A |
| /operating_model/cells/base_2027q4_da:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_da:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_da:base/value | None | 13.0 |
| /operating_model/cells/base_2027q4_gaap_adjustments:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2027q4_gaap_adjustments:base/case | None | base |
| /operating_model/cells/base_2027q4_gaap_adjustments:base/formula/op | None | sum |
| /operating_model/cells/base_2027q4_gaap_adjustments:base/formula/refs/0 | None | base_2027q4_sbc |
| /operating_model/cells/base_2027q4_gaap_adjustments:base/formula/refs/1 | None | base_2027q4_da |
| /operating_model/cells/base_2027q4_gaap_adjustments:base/formula/refs/2 | None | base_2027q4_cash_adjustments |
| /operating_model/cells/base_2027q4_gaap_adjustments:base/id | None | base_2027q4_gaap_adjustments |
| /operating_model/cells/base_2027q4_gaap_adjustments:base/kind | None | derived |
| /operating_model/cells/base_2027q4_gaap_adjustments:base/label | None | SBC D&A and cash excluded costs |
| /operating_model/cells/base_2027q4_gaap_adjustments:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_gaap_adjustments:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_gaap_adjustments:base/value | None | 107.0 |
| /operating_model/cells/base_2027q4_gross_margin:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q4_gross_margin:base/case | None | base |
| /operating_model/cells/base_2027q4_gross_margin:base/id | None | base_2027q4_gross_margin |
| /operating_model/cells/base_2027q4_gross_margin:base/kind | None | assumption |
| /operating_model/cells/base_2027q4_gross_margin:base/label | None | Gross margin |
| /operating_model/cells/base_2027q4_gross_margin:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_gross_margin:base/unit | None | ratio |
| /operating_model/cells/base_2027q4_gross_margin:base/value | None | 0.89 |
| /operating_model/cells/base_2027q4_gross_profit:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2027q4_gross_profit:base/case | None | base |
| /operating_model/cells/base_2027q4_gross_profit:base/formula/op | None | multiply |
| /operating_model/cells/base_2027q4_gross_profit:base/formula/refs/0 | None | base_2027q4_revenue |
| /operating_model/cells/base_2027q4_gross_profit:base/formula/refs/1 | None | base_2027q4_gross_margin |
| /operating_model/cells/base_2027q4_gross_profit:base/id | None | base_2027q4_gross_profit |
| /operating_model/cells/base_2027q4_gross_profit:base/kind | None | derived |
| /operating_model/cells/base_2027q4_gross_profit:base/label | None | Gross profit after processing |
| /operating_model/cells/base_2027q4_gross_profit:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_gross_profit:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_gross_profit:base/value | None | 827.7 |
| /operating_model/cells/base_2027q4_interest_income:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q4_interest_income:base/case | None | base |
| /operating_model/cells/base_2027q4_interest_income:base/id | None | base_2027q4_interest_income |
| /operating_model/cells/base_2027q4_interest_income:base/kind | None | assumption |
| /operating_model/cells/base_2027q4_interest_income:base/label | None | Cash interest income |
| /operating_model/cells/base_2027q4_interest_income:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_interest_income:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_interest_income:base/value | None | 5.0 |
| /operating_model/cells/base_2027q4_investment:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2027q4_investment:base/case | None | base |
| /operating_model/cells/base_2027q4_investment:base/formula/op | None | sum |
| /operating_model/cells/base_2027q4_investment:base/formula/refs/0 | None | base_2027q4_net_loan_funding |
| /operating_model/cells/base_2027q4_investment:base/formula/refs/1 | None | base_2027q4_capex |
| /operating_model/cells/base_2027q4_investment:base/id | None | base_2027q4_investment |
| /operating_model/cells/base_2027q4_investment:base/kind | None | derived |
| /operating_model/cells/base_2027q4_investment:base/label | None | Loans and assets |
| /operating_model/cells/base_2027q4_investment:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_investment:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_investment:base/value | None | 75.0 |
| /operating_model/cells/base_2027q4_member_index:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q4_member_index:base/case | None | base |
| /operating_model/cells/base_2027q4_member_index:base/id | None | base_2027q4_member_index |
| /operating_model/cells/base_2027q4_member_index:base/kind | None | assumption |
| /operating_model/cells/base_2027q4_member_index:base/label | None | Active-member exposure index |
| /operating_model/cells/base_2027q4_member_index:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_member_index:base/unit | None | ratio |
| /operating_model/cells/base_2027q4_member_index:base/value | None | 1.15 |
| /operating_model/cells/base_2027q4_mypay_loss_rate:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q4_mypay_loss_rate:base/case | None | base |
| /operating_model/cells/base_2027q4_mypay_loss_rate:base/id | None | base_2027q4_mypay_loss_rate |
| /operating_model/cells/base_2027q4_mypay_loss_rate:base/kind | None | assumption |
| /operating_model/cells/base_2027q4_mypay_loss_rate:base/label | None | MyPay loss rate |
| /operating_model/cells/base_2027q4_mypay_loss_rate:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_mypay_loss_rate:base/unit | None | ratio |
| /operating_model/cells/base_2027q4_mypay_loss_rate:base/value | None | 0.009 |
| /operating_model/cells/base_2027q4_mypay_losses:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2027q4_mypay_losses:base/case | None | base |
| /operating_model/cells/base_2027q4_mypay_losses:base/formula/op | None | multiply |
| /operating_model/cells/base_2027q4_mypay_losses:base/formula/refs/0 | None | base_2027q4_mypay_originations |
| /operating_model/cells/base_2027q4_mypay_losses:base/formula/refs/1 | None | base_2027q4_mypay_loss_rate |
| /operating_model/cells/base_2027q4_mypay_losses:base/id | None | base_2027q4_mypay_losses |
| /operating_model/cells/base_2027q4_mypay_losses:base/kind | None | derived |
| /operating_model/cells/base_2027q4_mypay_losses:base/label | None | MyPay loss allowance |
| /operating_model/cells/base_2027q4_mypay_losses:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_mypay_losses:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_mypay_losses:base/value | None | 59.4 |
| /operating_model/cells/base_2027q4_mypay_originations:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q4_mypay_originations:base/case | None | base |
| /operating_model/cells/base_2027q4_mypay_originations:base/id | None | base_2027q4_mypay_originations |
| /operating_model/cells/base_2027q4_mypay_originations:base/kind | None | assumption |
| /operating_model/cells/base_2027q4_mypay_originations:base/label | None | MyPay origination activity |
| /operating_model/cells/base_2027q4_mypay_originations:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_mypay_originations:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_mypay_originations:base/value | None | 6600.0 |
| /operating_model/cells/base_2027q4_net_loan_funding:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q4_net_loan_funding:base/case | None | base |
| /operating_model/cells/base_2027q4_net_loan_funding:base/id | None | base_2027q4_net_loan_funding |
| /operating_model/cells/base_2027q4_net_loan_funding:base/kind | None | assumption |
| /operating_model/cells/base_2027q4_net_loan_funding:base/label | None | Loans purchased less repayments |
| /operating_model/cells/base_2027q4_net_loan_funding:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_net_loan_funding:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_net_loan_funding:base/value | None | 60.0 |
| /operating_model/cells/base_2027q4_operating_income:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2027q4_operating_income:base/case | None | base |
| /operating_model/cells/base_2027q4_operating_income:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q4_operating_income:base/formula/refs/0 | None | base_2027q4_adj_ebitda |
| /operating_model/cells/base_2027q4_operating_income:base/formula/refs/1 | None | base_2027q4_gaap_adjustments |
| /operating_model/cells/base_2027q4_operating_income:base/id | None | base_2027q4_operating_income |
| /operating_model/cells/base_2027q4_operating_income:base/kind | None | derived |
| /operating_model/cells/base_2027q4_operating_income:base/label | None | Operating income proxy |
| /operating_model/cells/base_2027q4_operating_income:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_operating_income:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_operating_income:base/value | None | 128.0 |
| /operating_model/cells/base_2027q4_other_risk:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q4_other_risk:base/case | None | base |
| /operating_model/cells/base_2027q4_other_risk:base/id | None | base_2027q4_other_risk |
| /operating_model/cells/base_2027q4_other_risk:base/kind | None | assumption |
| /operating_model/cells/base_2027q4_other_risk:base/label | None | Other lending, dispute and risk cost |
| /operating_model/cells/base_2027q4_other_risk:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_other_risk:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_other_risk:base/value | None | 81.0 |
| /operating_model/cells/base_2027q4_payment_yield:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q4_payment_yield:base/case | None | base |
| /operating_model/cells/base_2027q4_payment_yield:base/id | None | base_2027q4_payment_yield |
| /operating_model/cells/base_2027q4_payment_yield:base/kind | None | assumption |
| /operating_model/cells/base_2027q4_payment_yield:base/label | None | Net payments yield |
| /operating_model/cells/base_2027q4_payment_yield:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_payment_yield:base/unit | None | ratio |
| /operating_model/cells/base_2027q4_payment_yield:base/value | None | 0.011443298969072166 |
| /operating_model/cells/base_2027q4_payments:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2027q4_payments:base/case | None | base |
| /operating_model/cells/base_2027q4_payments:base/formula/op | None | multiply |
| /operating_model/cells/base_2027q4_payments:base/formula/refs/0 | None | base_2027q4_purchase_volume |
| /operating_model/cells/base_2027q4_payments:base/formula/refs/1 | None | base_2027q4_payment_yield |
| /operating_model/cells/base_2027q4_payments:base/id | None | base_2027q4_payments |
| /operating_model/cells/base_2027q4_payments:base/kind | None | derived |
| /operating_model/cells/base_2027q4_payments:base/label | None | Payments revenue |
| /operating_model/cells/base_2027q4_payments:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_payments:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_payments:base/value | None | 555.0 |
| /operating_model/cells/base_2027q4_platform:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2027q4_platform:base/case | None | base |
| /operating_model/cells/base_2027q4_platform:base/formula/op | None | multiply |
| /operating_model/cells/base_2027q4_platform:base/formula/refs/0 | None | q2_platform |
| /operating_model/cells/base_2027q4_platform:base/formula/refs/1 | None | base_2027q4_member_index |
| /operating_model/cells/base_2027q4_platform:base/formula/refs/2 | None | base_2027q4_platform_monetization |
| /operating_model/cells/base_2027q4_platform:base/id | None | base_2027q4_platform |
| /operating_model/cells/base_2027q4_platform:base/kind | None | derived |
| /operating_model/cells/base_2027q4_platform:base/label | None | Platform revenue |
| /operating_model/cells/base_2027q4_platform:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_platform:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_platform:base/value | None | 375.0 |
| /operating_model/cells/base_2027q4_platform_monetization:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q4_platform_monetization:base/case | None | base |
| /operating_model/cells/base_2027q4_platform_monetization:base/id | None | base_2027q4_platform_monetization |
| /operating_model/cells/base_2027q4_platform_monetization:base/kind | None | assumption |
| /operating_model/cells/base_2027q4_platform_monetization:base/label | None | Platform monetization index |
| /operating_model/cells/base_2027q4_platform_monetization:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_platform_monetization:base/unit | None | ratio |
| /operating_model/cells/base_2027q4_platform_monetization:base/value | None | 1.3601748423149307 |
| /operating_model/cells/base_2027q4_purchase_volume:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q4_purchase_volume:base/case | None | base |
| /operating_model/cells/base_2027q4_purchase_volume:base/id | None | base_2027q4_purchase_volume |
| /operating_model/cells/base_2027q4_purchase_volume:base/kind | None | assumption |
| /operating_model/cells/base_2027q4_purchase_volume:base/label | None | Purchase volume |
| /operating_model/cells/base_2027q4_purchase_volume:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_purchase_volume:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_purchase_volume:base/value | None | 48500.0 |
| /operating_model/cells/base_2027q4_revenue:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2027q4_revenue:base/case | None | base |
| /operating_model/cells/base_2027q4_revenue:base/formula/op | None | sum |
| /operating_model/cells/base_2027q4_revenue:base/formula/refs/0 | None | base_2027q4_payments |
| /operating_model/cells/base_2027q4_revenue:base/formula/refs/1 | None | base_2027q4_platform |
| /operating_model/cells/base_2027q4_revenue:base/id | None | base_2027q4_revenue |
| /operating_model/cells/base_2027q4_revenue:base/kind | None | derived |
| /operating_model/cells/base_2027q4_revenue:base/label | None | Revenue |
| /operating_model/cells/base_2027q4_revenue:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_revenue:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_revenue:base/value | None | 930.0 |
| /operating_model/cells/base_2027q4_risk:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2027q4_risk:base/case | None | base |
| /operating_model/cells/base_2027q4_risk:base/formula/op | None | sum |
| /operating_model/cells/base_2027q4_risk:base/formula/refs/0 | None | base_2027q4_mypay_losses |
| /operating_model/cells/base_2027q4_risk:base/formula/refs/1 | None | base_2027q4_other_risk |
| /operating_model/cells/base_2027q4_risk:base/id | None | base_2027q4_risk |
| /operating_model/cells/base_2027q4_risk:base/kind | None | derived |
| /operating_model/cells/base_2027q4_risk:base/label | None | Transaction and risk loss allowance |
| /operating_model/cells/base_2027q4_risk:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_risk:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_risk:base/value | None | 140.4 |
| /operating_model/cells/base_2027q4_sbc:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q4_sbc:base/case | None | base |
| /operating_model/cells/base_2027q4_sbc:base/id | None | base_2027q4_sbc |
| /operating_model/cells/base_2027q4_sbc:base/kind | None | assumption |
| /operating_model/cells/base_2027q4_sbc:base/label | None | Total SBC and stock charitable cost |
| /operating_model/cells/base_2027q4_sbc:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_sbc:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_sbc:base/value | None | 92.0 |
| /operating_model/cells/base_2027q4_stride_closing:base/basis | None | Conditional quarter placement; expected H1 2027, downside assumes delay. No acquired operations or synergy booked. |
| /operating_model/cells/base_2027q4_stride_closing:base/case | None | base |
| /operating_model/cells/base_2027q4_stride_closing:base/id | None | base_2027q4_stride_closing |
| /operating_model/cells/base_2027q4_stride_closing:base/kind | None | assumption |
| /operating_model/cells/base_2027q4_stride_closing:base/label | None | Stride closing switch |
| /operating_model/cells/base_2027q4_stride_closing:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_stride_closing:base/unit | None | ratio |
| /operating_model/cells/base_2027q4_stride_closing:base/value | None | 0.0 |
| /operating_model/cells/base_2027q4_transaction_profit:base/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/base_2027q4_transaction_profit:base/case | None | base |
| /operating_model/cells/base_2027q4_transaction_profit:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q4_transaction_profit:base/formula/refs/0 | None | base_2027q4_gross_profit |
| /operating_model/cells/base_2027q4_transaction_profit:base/formula/refs/1 | None | base_2027q4_risk |
| /operating_model/cells/base_2027q4_transaction_profit:base/id | None | base_2027q4_transaction_profit |
| /operating_model/cells/base_2027q4_transaction_profit:base/kind | None | derived |
| /operating_model/cells/base_2027q4_transaction_profit:base/label | None | Transaction profit |
| /operating_model/cells/base_2027q4_transaction_profit:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_transaction_profit:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_transaction_profit:base/value | None | 687.3000000000001 |
| /operating_model/cells/base_2027q4_wc:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q4_wc:base/case | None | base |
| /operating_model/cells/base_2027q4_wc:base/id | None | base_2027q4_wc |
| /operating_model/cells/base_2027q4_wc:base/kind | None | assumption |
| /operating_model/cells/base_2027q4_wc:base/label | None | Product collateral and net operating working-capital use |
| /operating_model/cells/base_2027q4_wc:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_wc:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_wc:base/value | None | 40.0 |
| /operating_model/cells/base_fy2026_acquisition_cash:base/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/base_fy2026_acquisition_cash:base/case | None | base |
| /operating_model/cells/base_fy2026_acquisition_cash:base/formula/op | None | sum |
| /operating_model/cells/base_fy2026_acquisition_cash:base/formula/refs/0 | None | h1_acquisition_cash |
| /operating_model/cells/base_fy2026_acquisition_cash:base/formula/refs/1 | None | base_2026q3_acquisition_cash |
| /operating_model/cells/base_fy2026_acquisition_cash:base/formula/refs/2 | None | base_2026q4_acquisition_cash |
| /operating_model/cells/base_fy2026_acquisition_cash:base/id | None | base_fy2026_acquisition_cash |
| /operating_model/cells/base_fy2026_acquisition_cash:base/kind | None | derived |
| /operating_model/cells/base_fy2026_acquisition_cash:base/label | None | Conditional Stride cash price ($M) |
| /operating_model/cells/base_fy2026_acquisition_cash:base/period | None | FY2026 |
| /operating_model/cells/base_fy2026_acquisition_cash:base/unit | None | USD_millions |
| /operating_model/cells/base_fy2026_acquisition_cash:base/value | None | 0.0 |
| /operating_model/cells/base_fy2026_adj_ebitda:base/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/base_fy2026_adj_ebitda:base/case | None | base |
| /operating_model/cells/base_fy2026_adj_ebitda:base/formula/op | None | sum |
| /operating_model/cells/base_fy2026_adj_ebitda:base/formula/refs/0 | None | h1_adj_ebitda |
| /operating_model/cells/base_fy2026_adj_ebitda:base/formula/refs/1 | None | base_2026q3_adj_ebitda |
| /operating_model/cells/base_fy2026_adj_ebitda:base/formula/refs/2 | None | base_2026q4_adj_ebitda |
| /operating_model/cells/base_fy2026_adj_ebitda:base/id | None | base_fy2026_adj_ebitda |
| /operating_model/cells/base_fy2026_adj_ebitda:base/kind | None | derived |
| /operating_model/cells/base_fy2026_adj_ebitda:base/label | None | Adjusted EBITDA proxy ($M) |
| /operating_model/cells/base_fy2026_adj_ebitda:base/period | None | FY2026 |
| /operating_model/cells/base_fy2026_adj_ebitda:base/unit | None | USD_millions |
| /operating_model/cells/base_fy2026_adj_ebitda:base/value | None | 485.0 |
| /operating_model/cells/base_fy2026_capex:base/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/base_fy2026_capex:base/case | None | base |
| /operating_model/cells/base_fy2026_capex:base/formula/op | None | sum |
| /operating_model/cells/base_fy2026_capex:base/formula/refs/0 | None | h1_capex |
| /operating_model/cells/base_fy2026_capex:base/formula/refs/1 | None | base_2026q3_capex |
| /operating_model/cells/base_fy2026_capex:base/formula/refs/2 | None | base_2026q4_capex |
| /operating_model/cells/base_fy2026_capex:base/id | None | base_fy2026_capex |
| /operating_model/cells/base_fy2026_capex:base/kind | None | derived |
| /operating_model/cells/base_fy2026_capex:base/label | None | PP&E and software cash ($M) |
| /operating_model/cells/base_fy2026_capex:base/period | None | FY2026 |
| /operating_model/cells/base_fy2026_capex:base/unit | None | USD_millions |
| /operating_model/cells/base_fy2026_capex:base/value | None | 38.391999999999996 |
| /operating_model/cells/base_fy2026_cash_after_acquisition:base/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/base_fy2026_cash_after_acquisition:base/case | None | base |
| /operating_model/cells/base_fy2026_cash_after_acquisition:base/formula/op | None | sum |
| /operating_model/cells/base_fy2026_cash_after_acquisition:base/formula/refs/0 | None | h1_cash_after_acquisition |
| /operating_model/cells/base_fy2026_cash_after_acquisition:base/formula/refs/1 | None | base_2026q3_cash_after_acquisition |
| /operating_model/cells/base_fy2026_cash_after_acquisition:base/formula/refs/2 | None | base_2026q4_cash_after_acquisition |
| /operating_model/cells/base_fy2026_cash_after_acquisition:base/id | None | base_fy2026_cash_after_acquisition |
| /operating_model/cells/base_fy2026_cash_after_acquisition:base/kind | None | derived |
| /operating_model/cells/base_fy2026_cash_after_acquisition:base/label | None | Cash after conditional acquisition ($M) |
| /operating_model/cells/base_fy2026_cash_after_acquisition:base/period | None | FY2026 |
| /operating_model/cells/base_fy2026_cash_after_acquisition:base/unit | None | USD_millions |
| /operating_model/cells/base_fy2026_cash_after_acquisition:base/value | None | 357.45 |
| /operating_model/cells/base_fy2026_cash_after_funding:base/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/base_fy2026_cash_after_funding:base/case | None | base |
| /operating_model/cells/base_fy2026_cash_after_funding:base/formula/op | None | sum |
| /operating_model/cells/base_fy2026_cash_after_funding:base/formula/refs/0 | None | h1_cash_after_funding |
| /operating_model/cells/base_fy2026_cash_after_funding:base/formula/refs/1 | None | base_2026q3_cash_after_funding |
| /operating_model/cells/base_fy2026_cash_after_funding:base/formula/refs/2 | None | base_2026q4_cash_after_funding |
| /operating_model/cells/base_fy2026_cash_after_funding:base/id | None | base_fy2026_cash_after_funding |
| /operating_model/cells/base_fy2026_cash_after_funding:base/kind | None | derived |
| /operating_model/cells/base_fy2026_cash_after_funding:base/label | None | Cash after loans and capex ($M) |
| /operating_model/cells/base_fy2026_cash_after_funding:base/period | None | FY2026 |
| /operating_model/cells/base_fy2026_cash_after_funding:base/unit | None | USD_millions |
| /operating_model/cells/base_fy2026_cash_after_funding:base/value | None | 357.45 |
| /operating_model/cells/base_fy2026_cfo:base/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/base_fy2026_cfo:base/case | None | base |
| /operating_model/cells/base_fy2026_cfo:base/formula/op | None | sum |
| /operating_model/cells/base_fy2026_cfo:base/formula/refs/0 | None | h1_cfo |
| /operating_model/cells/base_fy2026_cfo:base/formula/refs/1 | None | base_2026q3_cfo |
| /operating_model/cells/base_fy2026_cfo:base/formula/refs/2 | None | base_2026q4_cfo |
| /operating_model/cells/base_fy2026_cfo:base/id | None | base_fy2026_cfo |
| /operating_model/cells/base_fy2026_cfo:base/kind | None | derived |
| /operating_model/cells/base_fy2026_cfo:base/label | None | Operating cash flow proxy ($M) |
| /operating_model/cells/base_fy2026_cfo:base/period | None | FY2026 |
| /operating_model/cells/base_fy2026_cfo:base/unit | None | USD_millions |
| /operating_model/cells/base_fy2026_cfo:base/value | None | 524.74 |
| /operating_model/cells/base_fy2026_net_loan_funding:base/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/base_fy2026_net_loan_funding:base/case | None | base |
| /operating_model/cells/base_fy2026_net_loan_funding:base/formula/op | None | sum |
| /operating_model/cells/base_fy2026_net_loan_funding:base/formula/refs/0 | None | h1_net_loan_funding |
| /operating_model/cells/base_fy2026_net_loan_funding:base/formula/refs/1 | None | base_2026q3_net_loan_funding |
| /operating_model/cells/base_fy2026_net_loan_funding:base/formula/refs/2 | None | base_2026q4_net_loan_funding |
| /operating_model/cells/base_fy2026_net_loan_funding:base/id | None | base_fy2026_net_loan_funding |
| /operating_model/cells/base_fy2026_net_loan_funding:base/kind | None | derived |
| /operating_model/cells/base_fy2026_net_loan_funding:base/label | None | Loan purchases less repayments ($M) |
| /operating_model/cells/base_fy2026_net_loan_funding:base/period | None | FY2026 |
| /operating_model/cells/base_fy2026_net_loan_funding:base/unit | None | USD_millions |
| /operating_model/cells/base_fy2026_net_loan_funding:base/value | None | 128.898 |
| /operating_model/cells/base_fy2026_operating_income:base/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/base_fy2026_operating_income:base/case | None | base |
| /operating_model/cells/base_fy2026_operating_income:base/formula/op | None | sum |
| /operating_model/cells/base_fy2026_operating_income:base/formula/refs/0 | None | h1_operating_income |
| /operating_model/cells/base_fy2026_operating_income:base/formula/refs/1 | None | base_2026q3_operating_income |
| /operating_model/cells/base_fy2026_operating_income:base/formula/refs/2 | None | base_2026q4_operating_income |
| /operating_model/cells/base_fy2026_operating_income:base/id | None | base_fy2026_operating_income |
| /operating_model/cells/base_fy2026_operating_income:base/kind | None | derived |
| /operating_model/cells/base_fy2026_operating_income:base/label | None | Operating income proxy ($M) |
| /operating_model/cells/base_fy2026_operating_income:base/period | None | FY2026 |
| /operating_model/cells/base_fy2026_operating_income:base/unit | None | USD_millions |
| /operating_model/cells/base_fy2026_operating_income:base/value | None | 163.269 |
| /operating_model/cells/base_fy2026_payments:base/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/base_fy2026_payments:base/case | None | base |
| /operating_model/cells/base_fy2026_payments:base/formula/op | None | sum |
| /operating_model/cells/base_fy2026_payments:base/formula/refs/0 | None | h1_payments |
| /operating_model/cells/base_fy2026_payments:base/formula/refs/1 | None | base_2026q3_payments |
| /operating_model/cells/base_fy2026_payments:base/formula/refs/2 | None | base_2026q4_payments |
| /operating_model/cells/base_fy2026_payments:base/id | None | base_fy2026_payments |
| /operating_model/cells/base_fy2026_payments:base/kind | None | derived |
| /operating_model/cells/base_fy2026_payments:base/label | None | Payments revenue ($M) |
| /operating_model/cells/base_fy2026_payments:base/period | None | FY2026 |
| /operating_model/cells/base_fy2026_payments:base/unit | None | USD_millions |
| /operating_model/cells/base_fy2026_payments:base/value | None | 1782.673 |
| /operating_model/cells/base_fy2026_platform:base/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/base_fy2026_platform:base/case | None | base |
| /operating_model/cells/base_fy2026_platform:base/formula/op | None | sum |
| /operating_model/cells/base_fy2026_platform:base/formula/refs/0 | None | h1_platform |
| /operating_model/cells/base_fy2026_platform:base/formula/refs/1 | None | base_2026q3_platform |
| /operating_model/cells/base_fy2026_platform:base/formula/refs/2 | None | base_2026q4_platform |
| /operating_model/cells/base_fy2026_platform:base/id | None | base_fy2026_platform |
| /operating_model/cells/base_fy2026_platform:base/kind | None | derived |
| /operating_model/cells/base_fy2026_platform:base/label | None | Platform revenue ($M) |
| /operating_model/cells/base_fy2026_platform:base/period | None | FY2026 |
| /operating_model/cells/base_fy2026_platform:base/unit | None | USD_millions |
| /operating_model/cells/base_fy2026_platform:base/value | None | 982.327 |
| /operating_model/cells/base_fy2026_revenue:base/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/base_fy2026_revenue:base/case | None | base |
| /operating_model/cells/base_fy2026_revenue:base/formula/op | None | sum |
| /operating_model/cells/base_fy2026_revenue:base/formula/refs/0 | None | h1_revenue |
| /operating_model/cells/base_fy2026_revenue:base/formula/refs/1 | None | base_2026q3_revenue |
| /operating_model/cells/base_fy2026_revenue:base/formula/refs/2 | None | base_2026q4_revenue |
| /operating_model/cells/base_fy2026_revenue:base/id | None | base_fy2026_revenue |
| /operating_model/cells/base_fy2026_revenue:base/kind | None | derived |
| /operating_model/cells/base_fy2026_revenue:base/label | None | Revenue ($M) |
| /operating_model/cells/base_fy2026_revenue:base/period | None | FY2026 |
| /operating_model/cells/base_fy2026_revenue:base/unit | None | USD_millions |
| /operating_model/cells/base_fy2026_revenue:base/value | None | 2765.0 |
| /operating_model/cells/base_fy2026_transaction_profit:base/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/base_fy2026_transaction_profit:base/case | None | base |
| /operating_model/cells/base_fy2026_transaction_profit:base/formula/op | None | sum |
| /operating_model/cells/base_fy2026_transaction_profit:base/formula/refs/0 | None | h1_transaction_profit |
| /operating_model/cells/base_fy2026_transaction_profit:base/formula/refs/1 | None | base_2026q3_transaction_profit |
| /operating_model/cells/base_fy2026_transaction_profit:base/formula/refs/2 | None | base_2026q4_transaction_profit |
| /operating_model/cells/base_fy2026_transaction_profit:base/id | None | base_fy2026_transaction_profit |
| /operating_model/cells/base_fy2026_transaction_profit:base/kind | None | derived |
| /operating_model/cells/base_fy2026_transaction_profit:base/label | None | Transaction profit proxy ($M) |
| /operating_model/cells/base_fy2026_transaction_profit:base/period | None | FY2026 |
| /operating_model/cells/base_fy2026_transaction_profit:base/unit | None | USD_millions |
| /operating_model/cells/base_fy2026_transaction_profit:base/value | None | 2048.3760500000003 |
| /operating_model/cells/base_fy2027_acquisition_cash:base/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/base_fy2027_acquisition_cash:base/case | None | base |
| /operating_model/cells/base_fy2027_acquisition_cash:base/formula/op | None | sum |
| /operating_model/cells/base_fy2027_acquisition_cash:base/formula/refs/0 | None | base_2027q1_acquisition_cash |
| /operating_model/cells/base_fy2027_acquisition_cash:base/formula/refs/1 | None | base_2027q2_acquisition_cash |
| /operating_model/cells/base_fy2027_acquisition_cash:base/formula/refs/2 | None | base_2027q3_acquisition_cash |
| /operating_model/cells/base_fy2027_acquisition_cash:base/formula/refs/3 | None | base_2027q4_acquisition_cash |
| /operating_model/cells/base_fy2027_acquisition_cash:base/id | None | base_fy2027_acquisition_cash |
| /operating_model/cells/base_fy2027_acquisition_cash:base/kind | None | derived |
| /operating_model/cells/base_fy2027_acquisition_cash:base/label | None | Conditional Stride cash price ($M) |
| /operating_model/cells/base_fy2027_acquisition_cash:base/period | None | FY2027 |
| /operating_model/cells/base_fy2027_acquisition_cash:base/unit | None | USD_millions |
| /operating_model/cells/base_fy2027_acquisition_cash:base/value | None | 590.0 |
| /operating_model/cells/base_fy2027_adj_ebitda:base/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/base_fy2027_adj_ebitda:base/case | None | base |
| /operating_model/cells/base_fy2027_adj_ebitda:base/formula/op | None | sum |
| /operating_model/cells/base_fy2027_adj_ebitda:base/formula/refs/0 | None | base_2027q1_adj_ebitda |
| /operating_model/cells/base_fy2027_adj_ebitda:base/formula/refs/1 | None | base_2027q2_adj_ebitda |
| /operating_model/cells/base_fy2027_adj_ebitda:base/formula/refs/2 | None | base_2027q3_adj_ebitda |
| /operating_model/cells/base_fy2027_adj_ebitda:base/formula/refs/3 | None | base_2027q4_adj_ebitda |
| /operating_model/cells/base_fy2027_adj_ebitda:base/id | None | base_fy2027_adj_ebitda |
| /operating_model/cells/base_fy2027_adj_ebitda:base/kind | None | derived |
| /operating_model/cells/base_fy2027_adj_ebitda:base/label | None | Adjusted EBITDA proxy ($M) |
| /operating_model/cells/base_fy2027_adj_ebitda:base/period | None | FY2027 |
| /operating_model/cells/base_fy2027_adj_ebitda:base/unit | None | USD_millions |
| /operating_model/cells/base_fy2027_adj_ebitda:base/value | None | 810.0 |
| /operating_model/cells/base_fy2027_capex:base/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/base_fy2027_capex:base/case | None | base |
| /operating_model/cells/base_fy2027_capex:base/formula/op | None | sum |
| /operating_model/cells/base_fy2027_capex:base/formula/refs/0 | None | base_2027q1_capex |
| /operating_model/cells/base_fy2027_capex:base/formula/refs/1 | None | base_2027q2_capex |
| /operating_model/cells/base_fy2027_capex:base/formula/refs/2 | None | base_2027q3_capex |
| /operating_model/cells/base_fy2027_capex:base/formula/refs/3 | None | base_2027q4_capex |
| /operating_model/cells/base_fy2027_capex:base/id | None | base_fy2027_capex |
| /operating_model/cells/base_fy2027_capex:base/kind | None | derived |
| /operating_model/cells/base_fy2027_capex:base/label | None | PP&E and software cash ($M) |
| /operating_model/cells/base_fy2027_capex:base/period | None | FY2027 |
| /operating_model/cells/base_fy2027_capex:base/unit | None | USD_millions |
| /operating_model/cells/base_fy2027_capex:base/value | None | 54.0 |
| /operating_model/cells/base_fy2027_cash_after_acquisition:base/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/base_fy2027_cash_after_acquisition:base/case | None | base |
| /operating_model/cells/base_fy2027_cash_after_acquisition:base/formula/op | None | sum |
| /operating_model/cells/base_fy2027_cash_after_acquisition:base/formula/refs/0 | None | base_2027q1_cash_after_acquisition |
| /operating_model/cells/base_fy2027_cash_after_acquisition:base/formula/refs/1 | None | base_2027q2_cash_after_acquisition |
| /operating_model/cells/base_fy2027_cash_after_acquisition:base/formula/refs/2 | None | base_2027q3_cash_after_acquisition |
| /operating_model/cells/base_fy2027_cash_after_acquisition:base/formula/refs/3 | None | base_2027q4_cash_after_acquisition |
| /operating_model/cells/base_fy2027_cash_after_acquisition:base/id | None | base_fy2027_cash_after_acquisition |
| /operating_model/cells/base_fy2027_cash_after_acquisition:base/kind | None | derived |
| /operating_model/cells/base_fy2027_cash_after_acquisition:base/label | None | Cash after conditional acquisition ($M) |
| /operating_model/cells/base_fy2027_cash_after_acquisition:base/period | None | FY2027 |
| /operating_model/cells/base_fy2027_cash_after_acquisition:base/unit | None | USD_millions |
| /operating_model/cells/base_fy2027_cash_after_acquisition:base/value | None | -207.0 |
| /operating_model/cells/base_fy2027_cash_after_funding:base/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/base_fy2027_cash_after_funding:base/case | None | base |
| /operating_model/cells/base_fy2027_cash_after_funding:base/formula/op | None | sum |
| /operating_model/cells/base_fy2027_cash_after_funding:base/formula/refs/0 | None | base_2027q1_cash_after_funding |
| /operating_model/cells/base_fy2027_cash_after_funding:base/formula/refs/1 | None | base_2027q2_cash_after_funding |
| /operating_model/cells/base_fy2027_cash_after_funding:base/formula/refs/2 | None | base_2027q3_cash_after_funding |
| /operating_model/cells/base_fy2027_cash_after_funding:base/formula/refs/3 | None | base_2027q4_cash_after_funding |
| /operating_model/cells/base_fy2027_cash_after_funding:base/id | None | base_fy2027_cash_after_funding |
| /operating_model/cells/base_fy2027_cash_after_funding:base/kind | None | derived |
| /operating_model/cells/base_fy2027_cash_after_funding:base/label | None | Cash after loans and capex ($M) |
| /operating_model/cells/base_fy2027_cash_after_funding:base/period | None | FY2027 |
| /operating_model/cells/base_fy2027_cash_after_funding:base/unit | None | USD_millions |
| /operating_model/cells/base_fy2027_cash_after_funding:base/value | None | 383.0 |
| /operating_model/cells/base_fy2027_cfo:base/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/base_fy2027_cfo:base/case | None | base |
| /operating_model/cells/base_fy2027_cfo:base/formula/op | None | sum |
| /operating_model/cells/base_fy2027_cfo:base/formula/refs/0 | None | base_2027q1_cfo |
| /operating_model/cells/base_fy2027_cfo:base/formula/refs/1 | None | base_2027q2_cfo |
| /operating_model/cells/base_fy2027_cfo:base/formula/refs/2 | None | base_2027q3_cfo |
| /operating_model/cells/base_fy2027_cfo:base/formula/refs/3 | None | base_2027q4_cfo |
| /operating_model/cells/base_fy2027_cfo:base/id | None | base_fy2027_cfo |
| /operating_model/cells/base_fy2027_cfo:base/kind | None | derived |
| /operating_model/cells/base_fy2027_cfo:base/label | None | Operating cash flow proxy ($M) |
| /operating_model/cells/base_fy2027_cfo:base/period | None | FY2027 |
| /operating_model/cells/base_fy2027_cfo:base/unit | None | USD_millions |
| /operating_model/cells/base_fy2027_cfo:base/value | None | 647.0 |
| /operating_model/cells/base_fy2027_net_loan_funding:base/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/base_fy2027_net_loan_funding:base/case | None | base |
| /operating_model/cells/base_fy2027_net_loan_funding:base/formula/op | None | sum |
| /operating_model/cells/base_fy2027_net_loan_funding:base/formula/refs/0 | None | base_2027q1_net_loan_funding |
| /operating_model/cells/base_fy2027_net_loan_funding:base/formula/refs/1 | None | base_2027q2_net_loan_funding |
| /operating_model/cells/base_fy2027_net_loan_funding:base/formula/refs/2 | None | base_2027q3_net_loan_funding |
| /operating_model/cells/base_fy2027_net_loan_funding:base/formula/refs/3 | None | base_2027q4_net_loan_funding |
| /operating_model/cells/base_fy2027_net_loan_funding:base/id | None | base_fy2027_net_loan_funding |
| /operating_model/cells/base_fy2027_net_loan_funding:base/kind | None | derived |
| /operating_model/cells/base_fy2027_net_loan_funding:base/label | None | Loan purchases less repayments ($M) |
| /operating_model/cells/base_fy2027_net_loan_funding:base/period | None | FY2027 |
| /operating_model/cells/base_fy2027_net_loan_funding:base/unit | None | USD_millions |
| /operating_model/cells/base_fy2027_net_loan_funding:base/value | None | 210.0 |
| /operating_model/cells/base_fy2027_operating_income:base/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/base_fy2027_operating_income:base/case | None | base |
| /operating_model/cells/base_fy2027_operating_income:base/formula/op | None | sum |
| /operating_model/cells/base_fy2027_operating_income:base/formula/refs/0 | None | base_2027q1_operating_income |
| /operating_model/cells/base_fy2027_operating_income:base/formula/refs/1 | None | base_2027q2_operating_income |
| /operating_model/cells/base_fy2027_operating_income:base/formula/refs/2 | None | base_2027q3_operating_income |
| /operating_model/cells/base_fy2027_operating_income:base/formula/refs/3 | None | base_2027q4_operating_income |
| /operating_model/cells/base_fy2027_operating_income:base/id | None | base_fy2027_operating_income |
| /operating_model/cells/base_fy2027_operating_income:base/kind | None | derived |
| /operating_model/cells/base_fy2027_operating_income:base/label | None | Operating income proxy ($M) |
| /operating_model/cells/base_fy2027_operating_income:base/period | None | FY2027 |
| /operating_model/cells/base_fy2027_operating_income:base/unit | None | USD_millions |
| /operating_model/cells/base_fy2027_operating_income:base/value | None | 412.0 |
| /operating_model/cells/base_fy2027_payments:base/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/base_fy2027_payments:base/case | None | base |
| /operating_model/cells/base_fy2027_payments:base/formula/op | None | sum |
| /operating_model/cells/base_fy2027_payments:base/formula/refs/0 | None | base_2027q1_payments |
| /operating_model/cells/base_fy2027_payments:base/formula/refs/1 | None | base_2027q2_payments |
| /operating_model/cells/base_fy2027_payments:base/formula/refs/2 | None | base_2027q3_payments |
| /operating_model/cells/base_fy2027_payments:base/formula/refs/3 | None | base_2027q4_payments |
| /operating_model/cells/base_fy2027_payments:base/id | None | base_fy2027_payments |
| /operating_model/cells/base_fy2027_payments:base/kind | None | derived |
| /operating_model/cells/base_fy2027_payments:base/label | None | Payments revenue ($M) |
| /operating_model/cells/base_fy2027_payments:base/period | None | FY2027 |
| /operating_model/cells/base_fy2027_payments:base/unit | None | USD_millions |
| /operating_model/cells/base_fy2027_payments:base/value | None | 2065.0 |
| /operating_model/cells/base_fy2027_platform:base/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/base_fy2027_platform:base/case | None | base |
| /operating_model/cells/base_fy2027_platform:base/formula/op | None | sum |
| /operating_model/cells/base_fy2027_platform:base/formula/refs/0 | None | base_2027q1_platform |
| /operating_model/cells/base_fy2027_platform:base/formula/refs/1 | None | base_2027q2_platform |
| /operating_model/cells/base_fy2027_platform:base/formula/refs/2 | None | base_2027q3_platform |
| /operating_model/cells/base_fy2027_platform:base/formula/refs/3 | None | base_2027q4_platform |
| /operating_model/cells/base_fy2027_platform:base/id | None | base_fy2027_platform |
| /operating_model/cells/base_fy2027_platform:base/kind | None | derived |
| /operating_model/cells/base_fy2027_platform:base/label | None | Platform revenue ($M) |
| /operating_model/cells/base_fy2027_platform:base/period | None | FY2027 |
| /operating_model/cells/base_fy2027_platform:base/unit | None | USD_millions |
| /operating_model/cells/base_fy2027_platform:base/value | None | 1360.0 |
| /operating_model/cells/base_fy2027_revenue:base/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/base_fy2027_revenue:base/case | None | base |
| /operating_model/cells/base_fy2027_revenue:base/formula/op | None | sum |
| /operating_model/cells/base_fy2027_revenue:base/formula/refs/0 | None | base_2027q1_revenue |
| /operating_model/cells/base_fy2027_revenue:base/formula/refs/1 | None | base_2027q2_revenue |
| /operating_model/cells/base_fy2027_revenue:base/formula/refs/2 | None | base_2027q3_revenue |
| /operating_model/cells/base_fy2027_revenue:base/formula/refs/3 | None | base_2027q4_revenue |
| /operating_model/cells/base_fy2027_revenue:base/id | None | base_fy2027_revenue |
| /operating_model/cells/base_fy2027_revenue:base/kind | None | derived |
| /operating_model/cells/base_fy2027_revenue:base/label | None | Revenue ($M) |
| /operating_model/cells/base_fy2027_revenue:base/period | None | FY2027 |
| /operating_model/cells/base_fy2027_revenue:base/unit | None | USD_millions |
| /operating_model/cells/base_fy2027_revenue:base/value | None | 3425.0 |
| /operating_model/cells/base_fy2027_transaction_profit:base/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/base_fy2027_transaction_profit:base/case | None | base |
| /operating_model/cells/base_fy2027_transaction_profit:base/formula/op | None | sum |
| /operating_model/cells/base_fy2027_transaction_profit:base/formula/refs/0 | None | base_2027q1_transaction_profit |
| /operating_model/cells/base_fy2027_transaction_profit:base/formula/refs/1 | None | base_2027q2_transaction_profit |
| /operating_model/cells/base_fy2027_transaction_profit:base/formula/refs/2 | None | base_2027q3_transaction_profit |
| /operating_model/cells/base_fy2027_transaction_profit:base/formula/refs/3 | None | base_2027q4_transaction_profit |
| /operating_model/cells/base_fy2027_transaction_profit:base/id | None | base_fy2027_transaction_profit |
| /operating_model/cells/base_fy2027_transaction_profit:base/kind | None | derived |
| /operating_model/cells/base_fy2027_transaction_profit:base/label | None | Transaction profit proxy ($M) |
| /operating_model/cells/base_fy2027_transaction_profit:base/period | None | FY2027 |
| /operating_model/cells/base_fy2027_transaction_profit:base/unit | None | USD_millions |
| /operating_model/cells/base_fy2027_transaction_profit:base/value | None | 2526.25 |
| /operating_model/cells/cash:shared/basis | None | Reported consolidated amount, converted from thousands to millions. |
| /operating_model/cells/cash:shared/case | None | shared |
| /operating_model/cells/cash:shared/id | None | cash |
| /operating_model/cells/cash:shared/kind | None | reported |
| /operating_model/cells/cash:shared/label | None | cash |
| /operating_model/cells/cash:shared/period | None | June 2026 / H1 |
| /operating_model/cells/cash:shared/source_date | None | 2026-08-06 |
| /operating_model/cells/cash:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/1795586/000179558626000048/chym-20260630.htm |
| /operating_model/cells/cash:shared/unit | None | USD_millions |
| /operating_model/cells/cash:shared/value | None | 536.045 |
| /operating_model/cells/downside_2026q3_acquisition_cash:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2026q3_acquisition_cash:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_acquisition_cash:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2026q3_acquisition_cash:downside/formula/refs/0 | None | stride_price |
| /operating_model/cells/downside_2026q3_acquisition_cash:downside/formula/refs/1 | None | downside_2026q3_stride_closing |
| /operating_model/cells/downside_2026q3_acquisition_cash:downside/id | None | downside_2026q3_acquisition_cash |
| /operating_model/cells/downside_2026q3_acquisition_cash:downside/kind | None | derived |
| /operating_model/cells/downside_2026q3_acquisition_cash:downside/label | None | Conditional Stride purchase cash |
| /operating_model/cells/downside_2026q3_acquisition_cash:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_acquisition_cash:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_acquisition_cash:downside/value | None | 0.0 |
| /operating_model/cells/downside_2026q3_adj_ebitda:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2026q3_adj_ebitda:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_adj_ebitda:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2026q3_adj_ebitda:downside/formula/refs/0 | None | downside_2026q3_transaction_profit |
| /operating_model/cells/downside_2026q3_adj_ebitda:downside/formula/refs/1 | None | downside_2026q3_adjusted_costs |
| /operating_model/cells/downside_2026q3_adj_ebitda:downside/id | None | downside_2026q3_adj_ebitda |
| /operating_model/cells/downside_2026q3_adj_ebitda:downside/kind | None | derived |
| /operating_model/cells/downside_2026q3_adj_ebitda:downside/label | None | Adjusted EBITDA proxy |
| /operating_model/cells/downside_2026q3_adj_ebitda:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_adj_ebitda:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_adj_ebitda:downside/value | None | 22.68000000000012 |
| /operating_model/cells/downside_2026q3_adjusted_costs:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q3_adjusted_costs:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_adjusted_costs:downside/id | None | downside_2026q3_adjusted_costs |
| /operating_model/cells/downside_2026q3_adjusted_costs:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q3_adjusted_costs:downside/label | None | Adjusted product, sales and corporate cost |
| /operating_model/cells/downside_2026q3_adjusted_costs:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_adjusted_costs:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_adjusted_costs:downside/value | None | 427.7325 |
| /operating_model/cells/downside_2026q3_capex:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q3_capex:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_capex:downside/id | None | downside_2026q3_capex |
| /operating_model/cells/downside_2026q3_capex:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q3_capex:downside/label | None | PP&E and purchased/internal software cash |
| /operating_model/cells/downside_2026q3_capex:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_capex:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_capex:downside/value | None | 10.0 |
| /operating_model/cells/downside_2026q3_cash_adjustments:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q3_cash_adjustments:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_cash_adjustments:downside/id | None | downside_2026q3_cash_adjustments |
| /operating_model/cells/downside_2026q3_cash_adjustments:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q3_cash_adjustments:downside/label | None | Cash costs excluded from adjusted EBITDA |
| /operating_model/cells/downside_2026q3_cash_adjustments:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_cash_adjustments:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_cash_adjustments:downside/value | None | 2.0 |
| /operating_model/cells/downside_2026q3_cash_after_acquisition:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2026q3_cash_after_acquisition:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_cash_after_acquisition:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2026q3_cash_after_acquisition:downside/formula/refs/0 | None | downside_2026q3_cash_after_funding |
| /operating_model/cells/downside_2026q3_cash_after_acquisition:downside/formula/refs/1 | None | downside_2026q3_acquisition_cash |
| /operating_model/cells/downside_2026q3_cash_after_acquisition:downside/id | None | downside_2026q3_cash_after_acquisition |
| /operating_model/cells/downside_2026q3_cash_after_acquisition:downside/kind | None | derived |
| /operating_model/cells/downside_2026q3_cash_after_acquisition:downside/label | None | Cash after proposed bank purchase |
| /operating_model/cells/downside_2026q3_cash_after_acquisition:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_cash_after_acquisition:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_cash_after_acquisition:downside/value | None | -50.31999999999988 |
| /operating_model/cells/downside_2026q3_cash_after_funding:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2026q3_cash_after_funding:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_cash_after_funding:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2026q3_cash_after_funding:downside/formula/refs/0 | None | downside_2026q3_cfo |
| /operating_model/cells/downside_2026q3_cash_after_funding:downside/formula/refs/1 | None | downside_2026q3_investment |
| /operating_model/cells/downside_2026q3_cash_after_funding:downside/id | None | downside_2026q3_cash_after_funding |
| /operating_model/cells/downside_2026q3_cash_after_funding:downside/kind | None | derived |
| /operating_model/cells/downside_2026q3_cash_after_funding:downside/label | None | Cash after loan funding and assets |
| /operating_model/cells/downside_2026q3_cash_after_funding:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_cash_after_funding:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_cash_after_funding:downside/value | None | -50.31999999999988 |
| /operating_model/cells/downside_2026q3_cash_earnings:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2026q3_cash_earnings:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_cash_earnings:downside/formula/op | None | sum |
| /operating_model/cells/downside_2026q3_cash_earnings:downside/formula/refs/0 | None | downside_2026q3_adj_ebitda |
| /operating_model/cells/downside_2026q3_cash_earnings:downside/formula/refs/1 | None | downside_2026q3_interest_income |
| /operating_model/cells/downside_2026q3_cash_earnings:downside/id | None | downside_2026q3_cash_earnings |
| /operating_model/cells/downside_2026q3_cash_earnings:downside/kind | None | derived |
| /operating_model/cells/downside_2026q3_cash_earnings:downside/label | None | Adjusted EBITDA plus cash interest income |
| /operating_model/cells/downside_2026q3_cash_earnings:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_cash_earnings:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_cash_earnings:downside/value | None | 30.68000000000012 |
| /operating_model/cells/downside_2026q3_cash_interest_tax:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q3_cash_interest_tax:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_cash_interest_tax:downside/id | None | downside_2026q3_cash_interest_tax |
| /operating_model/cells/downside_2026q3_cash_interest_tax:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q3_cash_interest_tax:downside/label | None | Cash interest and taxes |
| /operating_model/cells/downside_2026q3_cash_interest_tax:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_cash_interest_tax:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_cash_interest_tax:downside/value | None | 5.0 |
| /operating_model/cells/downside_2026q3_cash_uses:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2026q3_cash_uses:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_cash_uses:downside/formula/op | None | sum |
| /operating_model/cells/downside_2026q3_cash_uses:downside/formula/refs/0 | None | downside_2026q3_cash_adjustments |
| /operating_model/cells/downside_2026q3_cash_uses:downside/formula/refs/1 | None | downside_2026q3_cash_interest_tax |
| /operating_model/cells/downside_2026q3_cash_uses:downside/formula/refs/2 | None | downside_2026q3_wc |
| /operating_model/cells/downside_2026q3_cash_uses:downside/id | None | downside_2026q3_cash_uses |
| /operating_model/cells/downside_2026q3_cash_uses:downside/kind | None | derived |
| /operating_model/cells/downside_2026q3_cash_uses:downside/label | None | Cash adjustments taxes interest and working capital |
| /operating_model/cells/downside_2026q3_cash_uses:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_cash_uses:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_cash_uses:downside/value | None | 22.0 |
| /operating_model/cells/downside_2026q3_cfo:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2026q3_cfo:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_cfo:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2026q3_cfo:downside/formula/refs/0 | None | downside_2026q3_cash_earnings |
| /operating_model/cells/downside_2026q3_cfo:downside/formula/refs/1 | None | downside_2026q3_cash_uses |
| /operating_model/cells/downside_2026q3_cfo:downside/id | None | downside_2026q3_cfo |
| /operating_model/cells/downside_2026q3_cfo:downside/kind | None | derived |
| /operating_model/cells/downside_2026q3_cfo:downside/label | None | Operating cash flow proxy |
| /operating_model/cells/downside_2026q3_cfo:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_cfo:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_cfo:downside/value | None | 8.68000000000012 |
| /operating_model/cells/downside_2026q3_da:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q3_da:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_da:downside/id | None | downside_2026q3_da |
| /operating_model/cells/downside_2026q3_da:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q3_da:downside/label | None | Total D&A |
| /operating_model/cells/downside_2026q3_da:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_da:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_da:downside/value | None | 8.0 |
| /operating_model/cells/downside_2026q3_gaap_adjustments:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2026q3_gaap_adjustments:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_gaap_adjustments:downside/formula/op | None | sum |
| /operating_model/cells/downside_2026q3_gaap_adjustments:downside/formula/refs/0 | None | downside_2026q3_sbc |
| /operating_model/cells/downside_2026q3_gaap_adjustments:downside/formula/refs/1 | None | downside_2026q3_da |
| /operating_model/cells/downside_2026q3_gaap_adjustments:downside/formula/refs/2 | None | downside_2026q3_cash_adjustments |
| /operating_model/cells/downside_2026q3_gaap_adjustments:downside/id | None | downside_2026q3_gaap_adjustments |
| /operating_model/cells/downside_2026q3_gaap_adjustments:downside/kind | None | derived |
| /operating_model/cells/downside_2026q3_gaap_adjustments:downside/label | None | SBC D&A and cash excluded costs |
| /operating_model/cells/downside_2026q3_gaap_adjustments:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_gaap_adjustments:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_gaap_adjustments:downside/value | None | 82.0 |
| /operating_model/cells/downside_2026q3_gross_margin:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q3_gross_margin:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_gross_margin:downside/id | None | downside_2026q3_gross_margin |
| /operating_model/cells/downside_2026q3_gross_margin:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q3_gross_margin:downside/label | None | Gross margin |
| /operating_model/cells/downside_2026q3_gross_margin:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_gross_margin:downside/unit | None | ratio |
| /operating_model/cells/downside_2026q3_gross_margin:downside/value | None | 0.89 |
| /operating_model/cells/downside_2026q3_gross_profit:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2026q3_gross_profit:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_gross_profit:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2026q3_gross_profit:downside/formula/refs/0 | None | downside_2026q3_revenue |
| /operating_model/cells/downside_2026q3_gross_profit:downside/formula/refs/1 | None | downside_2026q3_gross_margin |
| /operating_model/cells/downside_2026q3_gross_profit:downside/id | None | downside_2026q3_gross_profit |
| /operating_model/cells/downside_2026q3_gross_profit:downside/kind | None | derived |
| /operating_model/cells/downside_2026q3_gross_profit:downside/label | None | Gross profit after processing |
| /operating_model/cells/downside_2026q3_gross_profit:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_gross_profit:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_gross_profit:downside/value | None | 583.5285000000001 |
| /operating_model/cells/downside_2026q3_interest_income:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q3_interest_income:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_interest_income:downside/id | None | downside_2026q3_interest_income |
| /operating_model/cells/downside_2026q3_interest_income:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q3_interest_income:downside/label | None | Cash interest income |
| /operating_model/cells/downside_2026q3_interest_income:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_interest_income:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_interest_income:downside/value | None | 8.0 |
| /operating_model/cells/downside_2026q3_investment:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2026q3_investment:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_investment:downside/formula/op | None | sum |
| /operating_model/cells/downside_2026q3_investment:downside/formula/refs/0 | None | downside_2026q3_net_loan_funding |
| /operating_model/cells/downside_2026q3_investment:downside/formula/refs/1 | None | downside_2026q3_capex |
| /operating_model/cells/downside_2026q3_investment:downside/id | None | downside_2026q3_investment |
| /operating_model/cells/downside_2026q3_investment:downside/kind | None | derived |
| /operating_model/cells/downside_2026q3_investment:downside/label | None | Loans and assets |
| /operating_model/cells/downside_2026q3_investment:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_investment:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_investment:downside/value | None | 59.0 |
| /operating_model/cells/downside_2026q3_member_index:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q3_member_index:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_member_index:downside/id | None | downside_2026q3_member_index |
| /operating_model/cells/downside_2026q3_member_index:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q3_member_index:downside/label | None | Active-member exposure index |
| /operating_model/cells/downside_2026q3_member_index:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_member_index:downside/unit | None | ratio |
| /operating_model/cells/downside_2026q3_member_index:downside/value | None | 1.025 |
| /operating_model/cells/downside_2026q3_mypay_loss_rate:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q3_mypay_loss_rate:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_mypay_loss_rate:downside/id | None | downside_2026q3_mypay_loss_rate |
| /operating_model/cells/downside_2026q3_mypay_loss_rate:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q3_mypay_loss_rate:downside/label | None | MyPay loss rate |
| /operating_model/cells/downside_2026q3_mypay_loss_rate:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_mypay_loss_rate:downside/unit | None | ratio |
| /operating_model/cells/downside_2026q3_mypay_loss_rate:downside/value | None | 0.014 |
| /operating_model/cells/downside_2026q3_mypay_losses:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2026q3_mypay_losses:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_mypay_losses:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2026q3_mypay_losses:downside/formula/refs/0 | None | downside_2026q3_mypay_originations |
| /operating_model/cells/downside_2026q3_mypay_losses:downside/formula/refs/1 | None | downside_2026q3_mypay_loss_rate |
| /operating_model/cells/downside_2026q3_mypay_losses:downside/id | None | downside_2026q3_mypay_losses |
| /operating_model/cells/downside_2026q3_mypay_losses:downside/kind | None | derived |
| /operating_model/cells/downside_2026q3_mypay_losses:downside/label | None | MyPay loss allowance |
| /operating_model/cells/downside_2026q3_mypay_losses:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_mypay_losses:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_mypay_losses:downside/value | None | 62.496 |
| /operating_model/cells/downside_2026q3_mypay_originations:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q3_mypay_originations:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_mypay_originations:downside/id | None | downside_2026q3_mypay_originations |
| /operating_model/cells/downside_2026q3_mypay_originations:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q3_mypay_originations:downside/label | None | MyPay origination activity |
| /operating_model/cells/downside_2026q3_mypay_originations:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_mypay_originations:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_mypay_originations:downside/value | None | 4464.0 |
| /operating_model/cells/downside_2026q3_net_loan_funding:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q3_net_loan_funding:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_net_loan_funding:downside/id | None | downside_2026q3_net_loan_funding |
| /operating_model/cells/downside_2026q3_net_loan_funding:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q3_net_loan_funding:downside/label | None | Loans purchased less repayments |
| /operating_model/cells/downside_2026q3_net_loan_funding:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_net_loan_funding:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_net_loan_funding:downside/value | None | 49.0 |
| /operating_model/cells/downside_2026q3_operating_income:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2026q3_operating_income:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_operating_income:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2026q3_operating_income:downside/formula/refs/0 | None | downside_2026q3_adj_ebitda |
| /operating_model/cells/downside_2026q3_operating_income:downside/formula/refs/1 | None | downside_2026q3_gaap_adjustments |
| /operating_model/cells/downside_2026q3_operating_income:downside/id | None | downside_2026q3_operating_income |
| /operating_model/cells/downside_2026q3_operating_income:downside/kind | None | derived |
| /operating_model/cells/downside_2026q3_operating_income:downside/label | None | Operating income proxy |
| /operating_model/cells/downside_2026q3_operating_income:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_operating_income:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_operating_income:downside/value | None | -59.31999999999988 |
| /operating_model/cells/downside_2026q3_other_risk:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q3_other_risk:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_other_risk:downside/id | None | downside_2026q3_other_risk |
| /operating_model/cells/downside_2026q3_other_risk:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q3_other_risk:downside/label | None | Other lending, dispute and risk cost |
| /operating_model/cells/downside_2026q3_other_risk:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_other_risk:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_other_risk:downside/value | None | 70.62 |
| /operating_model/cells/downside_2026q3_payment_yield:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q3_payment_yield:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_payment_yield:downside/id | None | downside_2026q3_payment_yield |
| /operating_model/cells/downside_2026q3_payment_yield:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q3_payment_yield:downside/label | None | Net payments yield |
| /operating_model/cells/downside_2026q3_payment_yield:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_payment_yield:downside/unit | None | ratio |
| /operating_model/cells/downside_2026q3_payment_yield:downside/value | None | 0.01125 |
| /operating_model/cells/downside_2026q3_payments:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2026q3_payments:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_payments:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2026q3_payments:downside/formula/refs/0 | None | downside_2026q3_purchase_volume |
| /operating_model/cells/downside_2026q3_payments:downside/formula/refs/1 | None | downside_2026q3_payment_yield |
| /operating_model/cells/downside_2026q3_payments:downside/id | None | downside_2026q3_payments |
| /operating_model/cells/downside_2026q3_payments:downside/kind | None | derived |
| /operating_model/cells/downside_2026q3_payments:downside/label | None | Payments revenue |
| /operating_model/cells/downside_2026q3_payments:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_payments:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_payments:downside/value | None | 418.5 |
| /operating_model/cells/downside_2026q3_platform:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2026q3_platform:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_platform:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2026q3_platform:downside/formula/refs/0 | None | q2_platform |
| /operating_model/cells/downside_2026q3_platform:downside/formula/refs/1 | None | downside_2026q3_member_index |
| /operating_model/cells/downside_2026q3_platform:downside/formula/refs/2 | None | downside_2026q3_platform_monetization |
| /operating_model/cells/downside_2026q3_platform:downside/id | None | downside_2026q3_platform |
| /operating_model/cells/downside_2026q3_platform:downside/kind | None | derived |
| /operating_model/cells/downside_2026q3_platform:downside/label | None | Platform revenue |
| /operating_model/cells/downside_2026q3_platform:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_platform:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_platform:downside/value | None | 237.15000000000003 |
| /operating_model/cells/downside_2026q3_platform_monetization:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q3_platform_monetization:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_platform_monetization:downside/id | None | downside_2026q3_platform_monetization |
| /operating_model/cells/downside_2026q3_platform_monetization:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q3_platform_monetization:downside/label | None | Platform monetization index |
| /operating_model/cells/downside_2026q3_platform_monetization:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_platform_monetization:downside/unit | None | ratio |
| /operating_model/cells/downside_2026q3_platform_monetization:downside/value | None | 0.965073908118982 |
| /operating_model/cells/downside_2026q3_purchase_volume:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q3_purchase_volume:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_purchase_volume:downside/id | None | downside_2026q3_purchase_volume |
| /operating_model/cells/downside_2026q3_purchase_volume:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q3_purchase_volume:downside/label | None | Purchase volume |
| /operating_model/cells/downside_2026q3_purchase_volume:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_purchase_volume:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_purchase_volume:downside/value | None | 37200.0 |
| /operating_model/cells/downside_2026q3_revenue:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2026q3_revenue:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_revenue:downside/formula/op | None | sum |
| /operating_model/cells/downside_2026q3_revenue:downside/formula/refs/0 | None | downside_2026q3_payments |
| /operating_model/cells/downside_2026q3_revenue:downside/formula/refs/1 | None | downside_2026q3_platform |
| /operating_model/cells/downside_2026q3_revenue:downside/id | None | downside_2026q3_revenue |
| /operating_model/cells/downside_2026q3_revenue:downside/kind | None | derived |
| /operating_model/cells/downside_2026q3_revenue:downside/label | None | Revenue |
| /operating_model/cells/downside_2026q3_revenue:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_revenue:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_revenue:downside/value | None | 655.6500000000001 |
| /operating_model/cells/downside_2026q3_risk:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2026q3_risk:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_risk:downside/formula/op | None | sum |
| /operating_model/cells/downside_2026q3_risk:downside/formula/refs/0 | None | downside_2026q3_mypay_losses |
| /operating_model/cells/downside_2026q3_risk:downside/formula/refs/1 | None | downside_2026q3_other_risk |
| /operating_model/cells/downside_2026q3_risk:downside/id | None | downside_2026q3_risk |
| /operating_model/cells/downside_2026q3_risk:downside/kind | None | derived |
| /operating_model/cells/downside_2026q3_risk:downside/label | None | Transaction and risk loss allowance |
| /operating_model/cells/downside_2026q3_risk:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_risk:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_risk:downside/value | None | 133.116 |
| /operating_model/cells/downside_2026q3_sbc:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q3_sbc:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_sbc:downside/id | None | downside_2026q3_sbc |
| /operating_model/cells/downside_2026q3_sbc:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q3_sbc:downside/label | None | Total SBC and stock charitable cost |
| /operating_model/cells/downside_2026q3_sbc:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_sbc:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_sbc:downside/value | None | 72.0 |
| /operating_model/cells/downside_2026q3_stride_closing:downside/basis | None | Conditional quarter placement; expected H1 2027, downside assumes delay. No acquired operations or synergy booked. |
| /operating_model/cells/downside_2026q3_stride_closing:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_stride_closing:downside/id | None | downside_2026q3_stride_closing |
| /operating_model/cells/downside_2026q3_stride_closing:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q3_stride_closing:downside/label | None | Stride closing switch |
| /operating_model/cells/downside_2026q3_stride_closing:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_stride_closing:downside/unit | None | ratio |
| /operating_model/cells/downside_2026q3_stride_closing:downside/value | None | 0.0 |
| /operating_model/cells/downside_2026q3_transaction_profit:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2026q3_transaction_profit:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_transaction_profit:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2026q3_transaction_profit:downside/formula/refs/0 | None | downside_2026q3_gross_profit |
| /operating_model/cells/downside_2026q3_transaction_profit:downside/formula/refs/1 | None | downside_2026q3_risk |
| /operating_model/cells/downside_2026q3_transaction_profit:downside/id | None | downside_2026q3_transaction_profit |
| /operating_model/cells/downside_2026q3_transaction_profit:downside/kind | None | derived |
| /operating_model/cells/downside_2026q3_transaction_profit:downside/label | None | Transaction profit |
| /operating_model/cells/downside_2026q3_transaction_profit:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_transaction_profit:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_transaction_profit:downside/value | None | 450.41250000000014 |
| /operating_model/cells/downside_2026q3_wc:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q3_wc:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_wc:downside/id | None | downside_2026q3_wc |
| /operating_model/cells/downside_2026q3_wc:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q3_wc:downside/label | None | Product collateral and net operating working-capital use |
| /operating_model/cells/downside_2026q3_wc:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_wc:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_wc:downside/value | None | 15.0 |
| /operating_model/cells/downside_2026q4_acquisition_cash:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2026q4_acquisition_cash:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_acquisition_cash:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2026q4_acquisition_cash:downside/formula/refs/0 | None | stride_price |
| /operating_model/cells/downside_2026q4_acquisition_cash:downside/formula/refs/1 | None | downside_2026q4_stride_closing |
| /operating_model/cells/downside_2026q4_acquisition_cash:downside/id | None | downside_2026q4_acquisition_cash |
| /operating_model/cells/downside_2026q4_acquisition_cash:downside/kind | None | derived |
| /operating_model/cells/downside_2026q4_acquisition_cash:downside/label | None | Conditional Stride purchase cash |
| /operating_model/cells/downside_2026q4_acquisition_cash:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_acquisition_cash:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_acquisition_cash:downside/value | None | 0.0 |
| /operating_model/cells/downside_2026q4_adj_ebitda:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2026q4_adj_ebitda:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_adj_ebitda:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2026q4_adj_ebitda:downside/formula/refs/0 | None | downside_2026q4_transaction_profit |
| /operating_model/cells/downside_2026q4_adj_ebitda:downside/formula/refs/1 | None | downside_2026q4_adjusted_costs |
| /operating_model/cells/downside_2026q4_adj_ebitda:downside/id | None | downside_2026q4_adj_ebitda |
| /operating_model/cells/downside_2026q4_adj_ebitda:downside/kind | None | derived |
| /operating_model/cells/downside_2026q4_adj_ebitda:downside/label | None | Adjusted EBITDA proxy |
| /operating_model/cells/downside_2026q4_adj_ebitda:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_adj_ebitda:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_adj_ebitda:downside/value | None | 47.01539299999996 |
| /operating_model/cells/downside_2026q4_adjusted_costs:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q4_adjusted_costs:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_adjusted_costs:downside/id | None | downside_2026q4_adjusted_costs |
| /operating_model/cells/downside_2026q4_adjusted_costs:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q4_adjusted_costs:downside/label | None | Adjusted product, sales and corporate cost |
| /operating_model/cells/downside_2026q4_adjusted_costs:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_adjusted_costs:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_adjusted_costs:downside/value | None | 428.9074135000001 |
| /operating_model/cells/downside_2026q4_capex:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q4_capex:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_capex:downside/id | None | downside_2026q4_capex |
| /operating_model/cells/downside_2026q4_capex:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q4_capex:downside/label | None | PP&E and purchased/internal software cash |
| /operating_model/cells/downside_2026q4_capex:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_capex:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_capex:downside/value | None | 11.0 |
| /operating_model/cells/downside_2026q4_cash_adjustments:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q4_cash_adjustments:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_cash_adjustments:downside/id | None | downside_2026q4_cash_adjustments |
| /operating_model/cells/downside_2026q4_cash_adjustments:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q4_cash_adjustments:downside/label | None | Cash costs excluded from adjusted EBITDA |
| /operating_model/cells/downside_2026q4_cash_adjustments:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_cash_adjustments:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_cash_adjustments:downside/value | None | 2.0 |
| /operating_model/cells/downside_2026q4_cash_after_acquisition:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2026q4_cash_after_acquisition:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_cash_after_acquisition:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2026q4_cash_after_acquisition:downside/formula/refs/0 | None | downside_2026q4_cash_after_funding |
| /operating_model/cells/downside_2026q4_cash_after_acquisition:downside/formula/refs/1 | None | downside_2026q4_acquisition_cash |
| /operating_model/cells/downside_2026q4_cash_after_acquisition:downside/id | None | downside_2026q4_cash_after_acquisition |
| /operating_model/cells/downside_2026q4_cash_after_acquisition:downside/kind | None | derived |
| /operating_model/cells/downside_2026q4_cash_after_acquisition:downside/label | None | Cash after proposed bank purchase |
| /operating_model/cells/downside_2026q4_cash_after_acquisition:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_cash_after_acquisition:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_cash_after_acquisition:downside/value | None | -40.98460700000004 |
| /operating_model/cells/downside_2026q4_cash_after_funding:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2026q4_cash_after_funding:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_cash_after_funding:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2026q4_cash_after_funding:downside/formula/refs/0 | None | downside_2026q4_cfo |
| /operating_model/cells/downside_2026q4_cash_after_funding:downside/formula/refs/1 | None | downside_2026q4_investment |
| /operating_model/cells/downside_2026q4_cash_after_funding:downside/id | None | downside_2026q4_cash_after_funding |
| /operating_model/cells/downside_2026q4_cash_after_funding:downside/kind | None | derived |
| /operating_model/cells/downside_2026q4_cash_after_funding:downside/label | None | Cash after loan funding and assets |
| /operating_model/cells/downside_2026q4_cash_after_funding:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_cash_after_funding:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_cash_after_funding:downside/value | None | -40.98460700000004 |
| /operating_model/cells/downside_2026q4_cash_earnings:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2026q4_cash_earnings:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_cash_earnings:downside/formula/op | None | sum |
| /operating_model/cells/downside_2026q4_cash_earnings:downside/formula/refs/0 | None | downside_2026q4_adj_ebitda |
| /operating_model/cells/downside_2026q4_cash_earnings:downside/formula/refs/1 | None | downside_2026q4_interest_income |
| /operating_model/cells/downside_2026q4_cash_earnings:downside/id | None | downside_2026q4_cash_earnings |
| /operating_model/cells/downside_2026q4_cash_earnings:downside/kind | None | derived |
| /operating_model/cells/downside_2026q4_cash_earnings:downside/label | None | Adjusted EBITDA plus cash interest income |
| /operating_model/cells/downside_2026q4_cash_earnings:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_cash_earnings:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_cash_earnings:downside/value | None | 55.01539299999996 |
| /operating_model/cells/downside_2026q4_cash_interest_tax:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q4_cash_interest_tax:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_cash_interest_tax:downside/id | None | downside_2026q4_cash_interest_tax |
| /operating_model/cells/downside_2026q4_cash_interest_tax:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q4_cash_interest_tax:downside/label | None | Cash interest and taxes |
| /operating_model/cells/downside_2026q4_cash_interest_tax:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_cash_interest_tax:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_cash_interest_tax:downside/value | None | 7.0 |
| /operating_model/cells/downside_2026q4_cash_uses:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2026q4_cash_uses:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_cash_uses:downside/formula/op | None | sum |
| /operating_model/cells/downside_2026q4_cash_uses:downside/formula/refs/0 | None | downside_2026q4_cash_adjustments |
| /operating_model/cells/downside_2026q4_cash_uses:downside/formula/refs/1 | None | downside_2026q4_cash_interest_tax |
| /operating_model/cells/downside_2026q4_cash_uses:downside/formula/refs/2 | None | downside_2026q4_wc |
| /operating_model/cells/downside_2026q4_cash_uses:downside/id | None | downside_2026q4_cash_uses |
| /operating_model/cells/downside_2026q4_cash_uses:downside/kind | None | derived |
| /operating_model/cells/downside_2026q4_cash_uses:downside/label | None | Cash adjustments taxes interest and working capital |
| /operating_model/cells/downside_2026q4_cash_uses:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_cash_uses:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_cash_uses:downside/value | None | 29.0 |
| /operating_model/cells/downside_2026q4_cfo:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2026q4_cfo:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_cfo:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2026q4_cfo:downside/formula/refs/0 | None | downside_2026q4_cash_earnings |
| /operating_model/cells/downside_2026q4_cfo:downside/formula/refs/1 | None | downside_2026q4_cash_uses |
| /operating_model/cells/downside_2026q4_cfo:downside/id | None | downside_2026q4_cfo |
| /operating_model/cells/downside_2026q4_cfo:downside/kind | None | derived |
| /operating_model/cells/downside_2026q4_cfo:downside/label | None | Operating cash flow proxy |
| /operating_model/cells/downside_2026q4_cfo:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_cfo:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_cfo:downside/value | None | 26.01539299999996 |
| /operating_model/cells/downside_2026q4_da:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q4_da:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_da:downside/id | None | downside_2026q4_da |
| /operating_model/cells/downside_2026q4_da:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q4_da:downside/label | None | Total D&A |
| /operating_model/cells/downside_2026q4_da:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_da:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_da:downside/value | None | 9.0 |
| /operating_model/cells/downside_2026q4_gaap_adjustments:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2026q4_gaap_adjustments:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_gaap_adjustments:downside/formula/op | None | sum |
| /operating_model/cells/downside_2026q4_gaap_adjustments:downside/formula/refs/0 | None | downside_2026q4_sbc |
| /operating_model/cells/downside_2026q4_gaap_adjustments:downside/formula/refs/1 | None | downside_2026q4_da |
| /operating_model/cells/downside_2026q4_gaap_adjustments:downside/formula/refs/2 | None | downside_2026q4_cash_adjustments |
| /operating_model/cells/downside_2026q4_gaap_adjustments:downside/id | None | downside_2026q4_gaap_adjustments |
| /operating_model/cells/downside_2026q4_gaap_adjustments:downside/kind | None | derived |
| /operating_model/cells/downside_2026q4_gaap_adjustments:downside/label | None | SBC D&A and cash excluded costs |
| /operating_model/cells/downside_2026q4_gaap_adjustments:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_gaap_adjustments:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_gaap_adjustments:downside/value | None | 87.0 |
| /operating_model/cells/downside_2026q4_gross_margin:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q4_gross_margin:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_gross_margin:downside/id | None | downside_2026q4_gross_margin |
| /operating_model/cells/downside_2026q4_gross_margin:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q4_gross_margin:downside/label | None | Gross margin |
| /operating_model/cells/downside_2026q4_gross_margin:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_gross_margin:downside/unit | None | ratio |
| /operating_model/cells/downside_2026q4_gross_margin:downside/value | None | 0.89 |
| /operating_model/cells/downside_2026q4_gross_profit:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2026q4_gross_profit:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_gross_profit:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2026q4_gross_profit:downside/formula/refs/0 | None | downside_2026q4_revenue |
| /operating_model/cells/downside_2026q4_gross_profit:downside/formula/refs/1 | None | downside_2026q4_gross_margin |
| /operating_model/cells/downside_2026q4_gross_profit:downside/id | None | downside_2026q4_gross_profit |
| /operating_model/cells/downside_2026q4_gross_profit:downside/kind | None | derived |
| /operating_model/cells/downside_2026q4_gross_profit:downside/label | None | Gross profit after processing |
| /operating_model/cells/downside_2026q4_gross_profit:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_gross_profit:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_gross_profit:downside/value | None | 614.8528065 |
| /operating_model/cells/downside_2026q4_interest_income:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q4_interest_income:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_interest_income:downside/id | None | downside_2026q4_interest_income |
| /operating_model/cells/downside_2026q4_interest_income:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q4_interest_income:downside/label | None | Cash interest income |
| /operating_model/cells/downside_2026q4_interest_income:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_interest_income:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_interest_income:downside/value | None | 8.0 |
| /operating_model/cells/downside_2026q4_investment:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2026q4_investment:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_investment:downside/formula/op | None | sum |
| /operating_model/cells/downside_2026q4_investment:downside/formula/refs/0 | None | downside_2026q4_net_loan_funding |
| /operating_model/cells/downside_2026q4_investment:downside/formula/refs/1 | None | downside_2026q4_capex |
| /operating_model/cells/downside_2026q4_investment:downside/id | None | downside_2026q4_investment |
| /operating_model/cells/downside_2026q4_investment:downside/kind | None | derived |
| /operating_model/cells/downside_2026q4_investment:downside/label | None | Loans and assets |
| /operating_model/cells/downside_2026q4_investment:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_investment:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_investment:downside/value | None | 67.0 |
| /operating_model/cells/downside_2026q4_member_index:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q4_member_index:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_member_index:downside/id | None | downside_2026q4_member_index |
| /operating_model/cells/downside_2026q4_member_index:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q4_member_index:downside/label | None | Active-member exposure index |
| /operating_model/cells/downside_2026q4_member_index:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_member_index:downside/unit | None | ratio |
| /operating_model/cells/downside_2026q4_member_index:downside/value | None | 1.0499999999999998 |
| /operating_model/cells/downside_2026q4_mypay_loss_rate:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q4_mypay_loss_rate:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_mypay_loss_rate:downside/id | None | downside_2026q4_mypay_loss_rate |
| /operating_model/cells/downside_2026q4_mypay_loss_rate:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q4_mypay_loss_rate:downside/label | None | MyPay loss rate |
| /operating_model/cells/downside_2026q4_mypay_loss_rate:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_mypay_loss_rate:downside/unit | None | ratio |
| /operating_model/cells/downside_2026q4_mypay_loss_rate:downside/value | None | 0.014 |
| /operating_model/cells/downside_2026q4_mypay_losses:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2026q4_mypay_losses:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_mypay_losses:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2026q4_mypay_losses:downside/formula/refs/0 | None | downside_2026q4_mypay_originations |
| /operating_model/cells/downside_2026q4_mypay_losses:downside/formula/refs/1 | None | downside_2026q4_mypay_loss_rate |
| /operating_model/cells/downside_2026q4_mypay_losses:downside/id | None | downside_2026q4_mypay_losses |
| /operating_model/cells/downside_2026q4_mypay_losses:downside/kind | None | derived |
| /operating_model/cells/downside_2026q4_mypay_losses:downside/label | None | MyPay loss allowance |
| /operating_model/cells/downside_2026q4_mypay_losses:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_mypay_losses:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_mypay_losses:downside/value | None | 65.1 |
| /operating_model/cells/downside_2026q4_mypay_originations:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q4_mypay_originations:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_mypay_originations:downside/id | None | downside_2026q4_mypay_originations |
| /operating_model/cells/downside_2026q4_mypay_originations:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q4_mypay_originations:downside/label | None | MyPay origination activity |
| /operating_model/cells/downside_2026q4_mypay_originations:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_mypay_originations:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_mypay_originations:downside/value | None | 4650.0 |
| /operating_model/cells/downside_2026q4_net_loan_funding:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q4_net_loan_funding:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_net_loan_funding:downside/id | None | downside_2026q4_net_loan_funding |
| /operating_model/cells/downside_2026q4_net_loan_funding:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q4_net_loan_funding:downside/label | None | Loans purchased less repayments |
| /operating_model/cells/downside_2026q4_net_loan_funding:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_net_loan_funding:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_net_loan_funding:downside/value | None | 56.0 |
| /operating_model/cells/downside_2026q4_operating_income:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2026q4_operating_income:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_operating_income:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2026q4_operating_income:downside/formula/refs/0 | None | downside_2026q4_adj_ebitda |
| /operating_model/cells/downside_2026q4_operating_income:downside/formula/refs/1 | None | downside_2026q4_gaap_adjustments |
| /operating_model/cells/downside_2026q4_operating_income:downside/id | None | downside_2026q4_operating_income |
| /operating_model/cells/downside_2026q4_operating_income:downside/kind | None | derived |
| /operating_model/cells/downside_2026q4_operating_income:downside/label | None | Operating income proxy |
| /operating_model/cells/downside_2026q4_operating_income:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_operating_income:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_operating_income:downside/value | None | -39.98460700000004 |
| /operating_model/cells/downside_2026q4_other_risk:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q4_other_risk:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_other_risk:downside/id | None | downside_2026q4_other_risk |
| /operating_model/cells/downside_2026q4_other_risk:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q4_other_risk:downside/label | None | Other lending, dispute and risk cost |
| /operating_model/cells/downside_2026q4_other_risk:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_other_risk:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_other_risk:downside/value | None | 73.83 |
| /operating_model/cells/downside_2026q4_payment_yield:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q4_payment_yield:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_payment_yield:downside/id | None | downside_2026q4_payment_yield |
| /operating_model/cells/downside_2026q4_payment_yield:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q4_payment_yield:downside/label | None | Net payments yield |
| /operating_model/cells/downside_2026q4_payment_yield:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_payment_yield:downside/unit | None | ratio |
| /operating_model/cells/downside_2026q4_payment_yield:downside/value | None | 0.01119047619047619 |
| /operating_model/cells/downside_2026q4_payments:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2026q4_payments:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_payments:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2026q4_payments:downside/formula/refs/0 | None | downside_2026q4_purchase_volume |
| /operating_model/cells/downside_2026q4_payments:downside/formula/refs/1 | None | downside_2026q4_payment_yield |
| /operating_model/cells/downside_2026q4_payments:downside/id | None | downside_2026q4_payments |
| /operating_model/cells/downside_2026q4_payments:downside/kind | None | derived |
| /operating_model/cells/downside_2026q4_payments:downside/label | None | Payments revenue |
| /operating_model/cells/downside_2026q4_payments:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_payments:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_payments:downside/value | None | 437.09999999999997 |
| /operating_model/cells/downside_2026q4_platform:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2026q4_platform:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_platform:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2026q4_platform:downside/formula/refs/0 | None | q2_platform |
| /operating_model/cells/downside_2026q4_platform:downside/formula/refs/1 | None | downside_2026q4_member_index |
| /operating_model/cells/downside_2026q4_platform:downside/formula/refs/2 | None | downside_2026q4_platform_monetization |
| /operating_model/cells/downside_2026q4_platform:downside/id | None | downside_2026q4_platform |
| /operating_model/cells/downside_2026q4_platform:downside/kind | None | derived |
| /operating_model/cells/downside_2026q4_platform:downside/label | None | Platform revenue |
| /operating_model/cells/downside_2026q4_platform:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_platform:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_platform:downside/value | None | 253.74585000000005 |
| /operating_model/cells/downside_2026q4_platform_monetization:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q4_platform_monetization:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_platform_monetization:downside/id | None | downside_2026q4_platform_monetization |
| /operating_model/cells/downside_2026q4_platform_monetization:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q4_platform_monetization:downside/label | None | Platform monetization index |
| /operating_model/cells/downside_2026q4_platform_monetization:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_platform_monetization:downside/unit | None | ratio |
| /operating_model/cells/downside_2026q4_platform_monetization:downside/value | None | 1.008024202510707 |
| /operating_model/cells/downside_2026q4_purchase_volume:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q4_purchase_volume:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_purchase_volume:downside/id | None | downside_2026q4_purchase_volume |
| /operating_model/cells/downside_2026q4_purchase_volume:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q4_purchase_volume:downside/label | None | Purchase volume |
| /operating_model/cells/downside_2026q4_purchase_volume:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_purchase_volume:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_purchase_volume:downside/value | None | 39060.0 |
| /operating_model/cells/downside_2026q4_revenue:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2026q4_revenue:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_revenue:downside/formula/op | None | sum |
| /operating_model/cells/downside_2026q4_revenue:downside/formula/refs/0 | None | downside_2026q4_payments |
| /operating_model/cells/downside_2026q4_revenue:downside/formula/refs/1 | None | downside_2026q4_platform |
| /operating_model/cells/downside_2026q4_revenue:downside/id | None | downside_2026q4_revenue |
| /operating_model/cells/downside_2026q4_revenue:downside/kind | None | derived |
| /operating_model/cells/downside_2026q4_revenue:downside/label | None | Revenue |
| /operating_model/cells/downside_2026q4_revenue:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_revenue:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_revenue:downside/value | None | 690.84585 |
| /operating_model/cells/downside_2026q4_risk:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2026q4_risk:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_risk:downside/formula/op | None | sum |
| /operating_model/cells/downside_2026q4_risk:downside/formula/refs/0 | None | downside_2026q4_mypay_losses |
| /operating_model/cells/downside_2026q4_risk:downside/formula/refs/1 | None | downside_2026q4_other_risk |
| /operating_model/cells/downside_2026q4_risk:downside/id | None | downside_2026q4_risk |
| /operating_model/cells/downside_2026q4_risk:downside/kind | None | derived |
| /operating_model/cells/downside_2026q4_risk:downside/label | None | Transaction and risk loss allowance |
| /operating_model/cells/downside_2026q4_risk:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_risk:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_risk:downside/value | None | 138.93 |
| /operating_model/cells/downside_2026q4_sbc:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q4_sbc:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_sbc:downside/id | None | downside_2026q4_sbc |
| /operating_model/cells/downside_2026q4_sbc:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q4_sbc:downside/label | None | Total SBC and stock charitable cost |
| /operating_model/cells/downside_2026q4_sbc:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_sbc:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_sbc:downside/value | None | 76.0 |
| /operating_model/cells/downside_2026q4_stride_closing:downside/basis | None | Conditional quarter placement; expected H1 2027, downside assumes delay. No acquired operations or synergy booked. |
| /operating_model/cells/downside_2026q4_stride_closing:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_stride_closing:downside/id | None | downside_2026q4_stride_closing |
| /operating_model/cells/downside_2026q4_stride_closing:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q4_stride_closing:downside/label | None | Stride closing switch |
| /operating_model/cells/downside_2026q4_stride_closing:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_stride_closing:downside/unit | None | ratio |
| /operating_model/cells/downside_2026q4_stride_closing:downside/value | None | 0.0 |
| /operating_model/cells/downside_2026q4_transaction_profit:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2026q4_transaction_profit:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_transaction_profit:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2026q4_transaction_profit:downside/formula/refs/0 | None | downside_2026q4_gross_profit |
| /operating_model/cells/downside_2026q4_transaction_profit:downside/formula/refs/1 | None | downside_2026q4_risk |
| /operating_model/cells/downside_2026q4_transaction_profit:downside/id | None | downside_2026q4_transaction_profit |
| /operating_model/cells/downside_2026q4_transaction_profit:downside/kind | None | derived |
| /operating_model/cells/downside_2026q4_transaction_profit:downside/label | None | Transaction profit |
| /operating_model/cells/downside_2026q4_transaction_profit:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_transaction_profit:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_transaction_profit:downside/value | None | 475.92280650000004 |
| /operating_model/cells/downside_2026q4_wc:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q4_wc:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_wc:downside/id | None | downside_2026q4_wc |
| /operating_model/cells/downside_2026q4_wc:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q4_wc:downside/label | None | Product collateral and net operating working-capital use |
| /operating_model/cells/downside_2026q4_wc:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_wc:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_wc:downside/value | None | 20.0 |
| /operating_model/cells/downside_2027q1_acquisition_cash:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2027q1_acquisition_cash:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_acquisition_cash:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2027q1_acquisition_cash:downside/formula/refs/0 | None | stride_price |
| /operating_model/cells/downside_2027q1_acquisition_cash:downside/formula/refs/1 | None | downside_2027q1_stride_closing |
| /operating_model/cells/downside_2027q1_acquisition_cash:downside/id | None | downside_2027q1_acquisition_cash |
| /operating_model/cells/downside_2027q1_acquisition_cash:downside/kind | None | derived |
| /operating_model/cells/downside_2027q1_acquisition_cash:downside/label | None | Conditional Stride purchase cash |
| /operating_model/cells/downside_2027q1_acquisition_cash:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_acquisition_cash:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_acquisition_cash:downside/value | None | 0.0 |
| /operating_model/cells/downside_2027q1_adj_ebitda:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2027q1_adj_ebitda:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_adj_ebitda:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q1_adj_ebitda:downside/formula/refs/0 | None | downside_2027q1_transaction_profit |
| /operating_model/cells/downside_2027q1_adj_ebitda:downside/formula/refs/1 | None | downside_2027q1_adjusted_costs |
| /operating_model/cells/downside_2027q1_adj_ebitda:downside/id | None | downside_2027q1_adj_ebitda |
| /operating_model/cells/downside_2027q1_adj_ebitda:downside/kind | None | derived |
| /operating_model/cells/downside_2027q1_adj_ebitda:downside/label | None | Adjusted EBITDA proxy |
| /operating_model/cells/downside_2027q1_adj_ebitda:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_adj_ebitda:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_adj_ebitda:downside/value | None | 75.86000000000001 |
| /operating_model/cells/downside_2027q1_adjusted_costs:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q1_adjusted_costs:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_adjusted_costs:downside/id | None | downside_2027q1_adjusted_costs |
| /operating_model/cells/downside_2027q1_adjusted_costs:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q1_adjusted_costs:downside/label | None | Adjusted product, sales and corporate cost |
| /operating_model/cells/downside_2027q1_adjusted_costs:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_adjusted_costs:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_adjusted_costs:downside/value | None | 430.675 |
| /operating_model/cells/downside_2027q1_capex:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q1_capex:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_capex:downside/id | None | downside_2027q1_capex |
| /operating_model/cells/downside_2027q1_capex:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q1_capex:downside/label | None | PP&E and purchased/internal software cash |
| /operating_model/cells/downside_2027q1_capex:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_capex:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_capex:downside/value | None | 12.0 |
| /operating_model/cells/downside_2027q1_cash_adjustments:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q1_cash_adjustments:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_cash_adjustments:downside/id | None | downside_2027q1_cash_adjustments |
| /operating_model/cells/downside_2027q1_cash_adjustments:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q1_cash_adjustments:downside/label | None | Cash costs excluded from adjusted EBITDA |
| /operating_model/cells/downside_2027q1_cash_adjustments:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_cash_adjustments:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_cash_adjustments:downside/value | None | 2.0 |
| /operating_model/cells/downside_2027q1_cash_after_acquisition:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2027q1_cash_after_acquisition:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_cash_after_acquisition:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q1_cash_after_acquisition:downside/formula/refs/0 | None | downside_2027q1_cash_after_funding |
| /operating_model/cells/downside_2027q1_cash_after_acquisition:downside/formula/refs/1 | None | downside_2027q1_acquisition_cash |
| /operating_model/cells/downside_2027q1_cash_after_acquisition:downside/id | None | downside_2027q1_cash_after_acquisition |
| /operating_model/cells/downside_2027q1_cash_after_acquisition:downside/kind | None | derived |
| /operating_model/cells/downside_2027q1_cash_after_acquisition:downside/label | None | Cash after proposed bank purchase |
| /operating_model/cells/downside_2027q1_cash_after_acquisition:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_cash_after_acquisition:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_cash_after_acquisition:downside/value | None | -27.139999999999986 |
| /operating_model/cells/downside_2027q1_cash_after_funding:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2027q1_cash_after_funding:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_cash_after_funding:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q1_cash_after_funding:downside/formula/refs/0 | None | downside_2027q1_cfo |
| /operating_model/cells/downside_2027q1_cash_after_funding:downside/formula/refs/1 | None | downside_2027q1_investment |
| /operating_model/cells/downside_2027q1_cash_after_funding:downside/id | None | downside_2027q1_cash_after_funding |
| /operating_model/cells/downside_2027q1_cash_after_funding:downside/kind | None | derived |
| /operating_model/cells/downside_2027q1_cash_after_funding:downside/label | None | Cash after loan funding and assets |
| /operating_model/cells/downside_2027q1_cash_after_funding:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_cash_after_funding:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_cash_after_funding:downside/value | None | -27.139999999999986 |
| /operating_model/cells/downside_2027q1_cash_earnings:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2027q1_cash_earnings:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_cash_earnings:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q1_cash_earnings:downside/formula/refs/0 | None | downside_2027q1_adj_ebitda |
| /operating_model/cells/downside_2027q1_cash_earnings:downside/formula/refs/1 | None | downside_2027q1_interest_income |
| /operating_model/cells/downside_2027q1_cash_earnings:downside/id | None | downside_2027q1_cash_earnings |
| /operating_model/cells/downside_2027q1_cash_earnings:downside/kind | None | derived |
| /operating_model/cells/downside_2027q1_cash_earnings:downside/label | None | Adjusted EBITDA plus cash interest income |
| /operating_model/cells/downside_2027q1_cash_earnings:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_cash_earnings:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_cash_earnings:downside/value | None | 83.86000000000001 |
| /operating_model/cells/downside_2027q1_cash_interest_tax:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q1_cash_interest_tax:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_cash_interest_tax:downside/id | None | downside_2027q1_cash_interest_tax |
| /operating_model/cells/downside_2027q1_cash_interest_tax:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q1_cash_interest_tax:downside/label | None | Cash interest and taxes |
| /operating_model/cells/downside_2027q1_cash_interest_tax:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_cash_interest_tax:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_cash_interest_tax:downside/value | None | 9.0 |
| /operating_model/cells/downside_2027q1_cash_uses:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2027q1_cash_uses:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_cash_uses:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q1_cash_uses:downside/formula/refs/0 | None | downside_2027q1_cash_adjustments |
| /operating_model/cells/downside_2027q1_cash_uses:downside/formula/refs/1 | None | downside_2027q1_cash_interest_tax |
| /operating_model/cells/downside_2027q1_cash_uses:downside/formula/refs/2 | None | downside_2027q1_wc |
| /operating_model/cells/downside_2027q1_cash_uses:downside/id | None | downside_2027q1_cash_uses |
| /operating_model/cells/downside_2027q1_cash_uses:downside/kind | None | derived |
| /operating_model/cells/downside_2027q1_cash_uses:downside/label | None | Cash adjustments taxes interest and working capital |
| /operating_model/cells/downside_2027q1_cash_uses:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_cash_uses:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_cash_uses:downside/value | None | 36.0 |
| /operating_model/cells/downside_2027q1_cfo:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2027q1_cfo:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_cfo:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q1_cfo:downside/formula/refs/0 | None | downside_2027q1_cash_earnings |
| /operating_model/cells/downside_2027q1_cfo:downside/formula/refs/1 | None | downside_2027q1_cash_uses |
| /operating_model/cells/downside_2027q1_cfo:downside/id | None | downside_2027q1_cfo |
| /operating_model/cells/downside_2027q1_cfo:downside/kind | None | derived |
| /operating_model/cells/downside_2027q1_cfo:downside/label | None | Operating cash flow proxy |
| /operating_model/cells/downside_2027q1_cfo:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_cfo:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_cfo:downside/value | None | 47.860000000000014 |
| /operating_model/cells/downside_2027q1_da:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q1_da:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_da:downside/id | None | downside_2027q1_da |
| /operating_model/cells/downside_2027q1_da:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q1_da:downside/label | None | Total D&A |
| /operating_model/cells/downside_2027q1_da:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_da:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_da:downside/value | None | 10.0 |
| /operating_model/cells/downside_2027q1_gaap_adjustments:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2027q1_gaap_adjustments:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_gaap_adjustments:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q1_gaap_adjustments:downside/formula/refs/0 | None | downside_2027q1_sbc |
| /operating_model/cells/downside_2027q1_gaap_adjustments:downside/formula/refs/1 | None | downside_2027q1_da |
| /operating_model/cells/downside_2027q1_gaap_adjustments:downside/formula/refs/2 | None | downside_2027q1_cash_adjustments |
| /operating_model/cells/downside_2027q1_gaap_adjustments:downside/id | None | downside_2027q1_gaap_adjustments |
| /operating_model/cells/downside_2027q1_gaap_adjustments:downside/kind | None | derived |
| /operating_model/cells/downside_2027q1_gaap_adjustments:downside/label | None | SBC D&A and cash excluded costs |
| /operating_model/cells/downside_2027q1_gaap_adjustments:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_gaap_adjustments:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_gaap_adjustments:downside/value | None | 92.0 |
| /operating_model/cells/downside_2027q1_gross_margin:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q1_gross_margin:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_gross_margin:downside/id | None | downside_2027q1_gross_margin |
| /operating_model/cells/downside_2027q1_gross_margin:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q1_gross_margin:downside/label | None | Gross margin |
| /operating_model/cells/downside_2027q1_gross_margin:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_gross_margin:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q1_gross_margin:downside/value | None | 0.89 |
| /operating_model/cells/downside_2027q1_gross_profit:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2027q1_gross_profit:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_gross_profit:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2027q1_gross_profit:downside/formula/refs/0 | None | downside_2027q1_revenue |
| /operating_model/cells/downside_2027q1_gross_profit:downside/formula/refs/1 | None | downside_2027q1_gross_margin |
| /operating_model/cells/downside_2027q1_gross_profit:downside/id | None | downside_2027q1_gross_profit |
| /operating_model/cells/downside_2027q1_gross_profit:downside/kind | None | derived |
| /operating_model/cells/downside_2027q1_gross_profit:downside/label | None | Gross profit after processing |
| /operating_model/cells/downside_2027q1_gross_profit:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_gross_profit:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_gross_profit:downside/value | None | 653.883 |
| /operating_model/cells/downside_2027q1_interest_income:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q1_interest_income:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_interest_income:downside/id | None | downside_2027q1_interest_income |
| /operating_model/cells/downside_2027q1_interest_income:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q1_interest_income:downside/label | None | Cash interest income |
| /operating_model/cells/downside_2027q1_interest_income:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_interest_income:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_interest_income:downside/value | None | 8.0 |
| /operating_model/cells/downside_2027q1_investment:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2027q1_investment:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_investment:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q1_investment:downside/formula/refs/0 | None | downside_2027q1_net_loan_funding |
| /operating_model/cells/downside_2027q1_investment:downside/formula/refs/1 | None | downside_2027q1_capex |
| /operating_model/cells/downside_2027q1_investment:downside/id | None | downside_2027q1_investment |
| /operating_model/cells/downside_2027q1_investment:downside/kind | None | derived |
| /operating_model/cells/downside_2027q1_investment:downside/label | None | Loans and assets |
| /operating_model/cells/downside_2027q1_investment:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_investment:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_investment:downside/value | None | 75.0 |
| /operating_model/cells/downside_2027q1_member_index:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q1_member_index:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_member_index:downside/id | None | downside_2027q1_member_index |
| /operating_model/cells/downside_2027q1_member_index:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q1_member_index:downside/label | None | Active-member exposure index |
| /operating_model/cells/downside_2027q1_member_index:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_member_index:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q1_member_index:downside/value | None | 1.075 |
| /operating_model/cells/downside_2027q1_mypay_loss_rate:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q1_mypay_loss_rate:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_mypay_loss_rate:downside/id | None | downside_2027q1_mypay_loss_rate |
| /operating_model/cells/downside_2027q1_mypay_loss_rate:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q1_mypay_loss_rate:downside/label | None | MyPay loss rate |
| /operating_model/cells/downside_2027q1_mypay_loss_rate:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_mypay_loss_rate:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q1_mypay_loss_rate:downside/value | None | 0.014 |
| /operating_model/cells/downside_2027q1_mypay_losses:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2027q1_mypay_losses:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_mypay_losses:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2027q1_mypay_losses:downside/formula/refs/0 | None | downside_2027q1_mypay_originations |
| /operating_model/cells/downside_2027q1_mypay_losses:downside/formula/refs/1 | None | downside_2027q1_mypay_loss_rate |
| /operating_model/cells/downside_2027q1_mypay_losses:downside/id | None | downside_2027q1_mypay_losses |
| /operating_model/cells/downside_2027q1_mypay_losses:downside/kind | None | derived |
| /operating_model/cells/downside_2027q1_mypay_losses:downside/label | None | MyPay loss allowance |
| /operating_model/cells/downside_2027q1_mypay_losses:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_mypay_losses:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_mypay_losses:downside/value | None | 70.308 |
| /operating_model/cells/downside_2027q1_mypay_originations:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q1_mypay_originations:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_mypay_originations:downside/id | None | downside_2027q1_mypay_originations |
| /operating_model/cells/downside_2027q1_mypay_originations:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q1_mypay_originations:downside/label | None | MyPay origination activity |
| /operating_model/cells/downside_2027q1_mypay_originations:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_mypay_originations:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_mypay_originations:downside/value | None | 5022.0 |
| /operating_model/cells/downside_2027q1_net_loan_funding:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q1_net_loan_funding:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_net_loan_funding:downside/id | None | downside_2027q1_net_loan_funding |
| /operating_model/cells/downside_2027q1_net_loan_funding:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q1_net_loan_funding:downside/label | None | Loans purchased less repayments |
| /operating_model/cells/downside_2027q1_net_loan_funding:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_net_loan_funding:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_net_loan_funding:downside/value | None | 62.99999999999999 |
| /operating_model/cells/downside_2027q1_operating_income:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2027q1_operating_income:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_operating_income:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q1_operating_income:downside/formula/refs/0 | None | downside_2027q1_adj_ebitda |
| /operating_model/cells/downside_2027q1_operating_income:downside/formula/refs/1 | None | downside_2027q1_gaap_adjustments |
| /operating_model/cells/downside_2027q1_operating_income:downside/id | None | downside_2027q1_operating_income |
| /operating_model/cells/downside_2027q1_operating_income:downside/kind | None | derived |
| /operating_model/cells/downside_2027q1_operating_income:downside/label | None | Operating income proxy |
| /operating_model/cells/downside_2027q1_operating_income:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_operating_income:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_operating_income:downside/value | None | -16.139999999999986 |
| /operating_model/cells/downside_2027q1_other_risk:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q1_other_risk:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_other_risk:downside/id | None | downside_2027q1_other_risk |
| /operating_model/cells/downside_2027q1_other_risk:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q1_other_risk:downside/label | None | Other lending, dispute and risk cost |
| /operating_model/cells/downside_2027q1_other_risk:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_other_risk:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_other_risk:downside/value | None | 77.04 |
| /operating_model/cells/downside_2027q1_payment_yield:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q1_payment_yield:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_payment_yield:downside/id | None | downside_2027q1_payment_yield |
| /operating_model/cells/downside_2027q1_payment_yield:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q1_payment_yield:downside/label | None | Net payments yield |
| /operating_model/cells/downside_2027q1_payment_yield:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_payment_yield:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q1_payment_yield:downside/value | None | 0.011294117647058824 |
| /operating_model/cells/downside_2027q1_payments:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2027q1_payments:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_payments:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2027q1_payments:downside/formula/refs/0 | None | downside_2027q1_purchase_volume |
| /operating_model/cells/downside_2027q1_payments:downside/formula/refs/1 | None | downside_2027q1_payment_yield |
| /operating_model/cells/downside_2027q1_payments:downside/id | None | downside_2027q1_payments |
| /operating_model/cells/downside_2027q1_payments:downside/kind | None | derived |
| /operating_model/cells/downside_2027q1_payments:downside/label | None | Payments revenue |
| /operating_model/cells/downside_2027q1_payments:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_payments:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_payments:downside/value | None | 446.40000000000003 |
| /operating_model/cells/downside_2027q1_platform:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2027q1_platform:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_platform:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2027q1_platform:downside/formula/refs/0 | None | q2_platform |
| /operating_model/cells/downside_2027q1_platform:downside/formula/refs/1 | None | downside_2027q1_member_index |
| /operating_model/cells/downside_2027q1_platform:downside/formula/refs/2 | None | downside_2027q1_platform_monetization |
| /operating_model/cells/downside_2027q1_platform:downside/id | None | downside_2027q1_platform |
| /operating_model/cells/downside_2027q1_platform:downside/kind | None | derived |
| /operating_model/cells/downside_2027q1_platform:downside/label | None | Platform revenue |
| /operating_model/cells/downside_2027q1_platform:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_platform:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_platform:downside/value | None | 288.3 |
| /operating_model/cells/downside_2027q1_platform_monetization:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q1_platform_monetization:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_platform_monetization:downside/id | None | downside_2027q1_platform_monetization |
| /operating_model/cells/downside_2027q1_platform_monetization:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q1_platform_monetization:downside/label | None | Platform monetization index |
| /operating_model/cells/downside_2027q1_platform_monetization:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_platform_monetization:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q1_platform_monetization:downside/value | None | 1.1186584014767222 |
| /operating_model/cells/downside_2027q1_purchase_volume:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q1_purchase_volume:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_purchase_volume:downside/id | None | downside_2027q1_purchase_volume |
| /operating_model/cells/downside_2027q1_purchase_volume:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q1_purchase_volume:downside/label | None | Purchase volume |
| /operating_model/cells/downside_2027q1_purchase_volume:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_purchase_volume:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_purchase_volume:downside/value | None | 39525.0 |
| /operating_model/cells/downside_2027q1_revenue:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2027q1_revenue:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_revenue:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q1_revenue:downside/formula/refs/0 | None | downside_2027q1_payments |
| /operating_model/cells/downside_2027q1_revenue:downside/formula/refs/1 | None | downside_2027q1_platform |
| /operating_model/cells/downside_2027q1_revenue:downside/id | None | downside_2027q1_revenue |
| /operating_model/cells/downside_2027q1_revenue:downside/kind | None | derived |
| /operating_model/cells/downside_2027q1_revenue:downside/label | None | Revenue |
| /operating_model/cells/downside_2027q1_revenue:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_revenue:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_revenue:downside/value | None | 734.7 |
| /operating_model/cells/downside_2027q1_risk:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2027q1_risk:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_risk:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q1_risk:downside/formula/refs/0 | None | downside_2027q1_mypay_losses |
| /operating_model/cells/downside_2027q1_risk:downside/formula/refs/1 | None | downside_2027q1_other_risk |
| /operating_model/cells/downside_2027q1_risk:downside/id | None | downside_2027q1_risk |
| /operating_model/cells/downside_2027q1_risk:downside/kind | None | derived |
| /operating_model/cells/downside_2027q1_risk:downside/label | None | Transaction and risk loss allowance |
| /operating_model/cells/downside_2027q1_risk:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_risk:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_risk:downside/value | None | 147.348 |
| /operating_model/cells/downside_2027q1_sbc:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q1_sbc:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_sbc:downside/id | None | downside_2027q1_sbc |
| /operating_model/cells/downside_2027q1_sbc:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q1_sbc:downside/label | None | Total SBC and stock charitable cost |
| /operating_model/cells/downside_2027q1_sbc:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_sbc:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_sbc:downside/value | None | 80.0 |
| /operating_model/cells/downside_2027q1_stride_closing:downside/basis | None | Conditional quarter placement; expected H1 2027, downside assumes delay. No acquired operations or synergy booked. |
| /operating_model/cells/downside_2027q1_stride_closing:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_stride_closing:downside/id | None | downside_2027q1_stride_closing |
| /operating_model/cells/downside_2027q1_stride_closing:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q1_stride_closing:downside/label | None | Stride closing switch |
| /operating_model/cells/downside_2027q1_stride_closing:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_stride_closing:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q1_stride_closing:downside/value | None | 0.0 |
| /operating_model/cells/downside_2027q1_transaction_profit:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2027q1_transaction_profit:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_transaction_profit:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q1_transaction_profit:downside/formula/refs/0 | None | downside_2027q1_gross_profit |
| /operating_model/cells/downside_2027q1_transaction_profit:downside/formula/refs/1 | None | downside_2027q1_risk |
| /operating_model/cells/downside_2027q1_transaction_profit:downside/id | None | downside_2027q1_transaction_profit |
| /operating_model/cells/downside_2027q1_transaction_profit:downside/kind | None | derived |
| /operating_model/cells/downside_2027q1_transaction_profit:downside/label | None | Transaction profit |
| /operating_model/cells/downside_2027q1_transaction_profit:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_transaction_profit:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_transaction_profit:downside/value | None | 506.535 |
| /operating_model/cells/downside_2027q1_wc:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q1_wc:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_wc:downside/id | None | downside_2027q1_wc |
| /operating_model/cells/downside_2027q1_wc:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q1_wc:downside/label | None | Product collateral and net operating working-capital use |
| /operating_model/cells/downside_2027q1_wc:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_wc:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_wc:downside/value | None | 25.0 |
| /operating_model/cells/downside_2027q2_acquisition_cash:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2027q2_acquisition_cash:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_acquisition_cash:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2027q2_acquisition_cash:downside/formula/refs/0 | None | stride_price |
| /operating_model/cells/downside_2027q2_acquisition_cash:downside/formula/refs/1 | None | downside_2027q2_stride_closing |
| /operating_model/cells/downside_2027q2_acquisition_cash:downside/id | None | downside_2027q2_acquisition_cash |
| /operating_model/cells/downside_2027q2_acquisition_cash:downside/kind | None | derived |
| /operating_model/cells/downside_2027q2_acquisition_cash:downside/label | None | Conditional Stride purchase cash |
| /operating_model/cells/downside_2027q2_acquisition_cash:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_acquisition_cash:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_acquisition_cash:downside/value | None | 0.0 |
| /operating_model/cells/downside_2027q2_adj_ebitda:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2027q2_adj_ebitda:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_adj_ebitda:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q2_adj_ebitda:downside/formula/refs/0 | None | downside_2027q2_transaction_profit |
| /operating_model/cells/downside_2027q2_adj_ebitda:downside/formula/refs/1 | None | downside_2027q2_adjusted_costs |
| /operating_model/cells/downside_2027q2_adj_ebitda:downside/id | None | downside_2027q2_adj_ebitda |
| /operating_model/cells/downside_2027q2_adj_ebitda:downside/kind | None | derived |
| /operating_model/cells/downside_2027q2_adj_ebitda:downside/label | None | Adjusted EBITDA proxy |
| /operating_model/cells/downside_2027q2_adj_ebitda:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_adj_ebitda:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_adj_ebitda:downside/value | None | 75.49299999999988 |
| /operating_model/cells/downside_2027q2_adjusted_costs:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q2_adjusted_costs:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_adjusted_costs:downside/id | None | downside_2027q2_adjusted_costs |
| /operating_model/cells/downside_2027q2_adjusted_costs:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q2_adjusted_costs:downside/label | None | Adjusted product, sales and corporate cost |
| /operating_model/cells/downside_2027q2_adjusted_costs:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_adjusted_costs:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_adjusted_costs:downside/value | None | 451.5935 |
| /operating_model/cells/downside_2027q2_capex:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q2_capex:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_capex:downside/id | None | downside_2027q2_capex |
| /operating_model/cells/downside_2027q2_capex:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q2_capex:downside/label | None | PP&E and purchased/internal software cash |
| /operating_model/cells/downside_2027q2_capex:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_capex:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_capex:downside/value | None | 13.0 |
| /operating_model/cells/downside_2027q2_cash_adjustments:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q2_cash_adjustments:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_cash_adjustments:downside/id | None | downside_2027q2_cash_adjustments |
| /operating_model/cells/downside_2027q2_cash_adjustments:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q2_cash_adjustments:downside/label | None | Cash costs excluded from adjusted EBITDA |
| /operating_model/cells/downside_2027q2_cash_adjustments:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_cash_adjustments:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_cash_adjustments:downside/value | None | 2.0 |
| /operating_model/cells/downside_2027q2_cash_after_acquisition:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2027q2_cash_after_acquisition:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_cash_after_acquisition:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q2_cash_after_acquisition:downside/formula/refs/0 | None | downside_2027q2_cash_after_funding |
| /operating_model/cells/downside_2027q2_cash_after_acquisition:downside/formula/refs/1 | None | downside_2027q2_acquisition_cash |
| /operating_model/cells/downside_2027q2_cash_after_acquisition:downside/id | None | downside_2027q2_cash_after_acquisition |
| /operating_model/cells/downside_2027q2_cash_after_acquisition:downside/kind | None | derived |
| /operating_model/cells/downside_2027q2_cash_after_acquisition:downside/label | None | Cash after proposed bank purchase |
| /operating_model/cells/downside_2027q2_cash_after_acquisition:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_cash_after_acquisition:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_cash_after_acquisition:downside/value | None | -45.50700000000012 |
| /operating_model/cells/downside_2027q2_cash_after_funding:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2027q2_cash_after_funding:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_cash_after_funding:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q2_cash_after_funding:downside/formula/refs/0 | None | downside_2027q2_cfo |
| /operating_model/cells/downside_2027q2_cash_after_funding:downside/formula/refs/1 | None | downside_2027q2_investment |
| /operating_model/cells/downside_2027q2_cash_after_funding:downside/id | None | downside_2027q2_cash_after_funding |
| /operating_model/cells/downside_2027q2_cash_after_funding:downside/kind | None | derived |
| /operating_model/cells/downside_2027q2_cash_after_funding:downside/label | None | Cash after loan funding and assets |
| /operating_model/cells/downside_2027q2_cash_after_funding:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_cash_after_funding:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_cash_after_funding:downside/value | None | -45.50700000000012 |
| /operating_model/cells/downside_2027q2_cash_earnings:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2027q2_cash_earnings:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_cash_earnings:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q2_cash_earnings:downside/formula/refs/0 | None | downside_2027q2_adj_ebitda |
| /operating_model/cells/downside_2027q2_cash_earnings:downside/formula/refs/1 | None | downside_2027q2_interest_income |
| /operating_model/cells/downside_2027q2_cash_earnings:downside/id | None | downside_2027q2_cash_earnings |
| /operating_model/cells/downside_2027q2_cash_earnings:downside/kind | None | derived |
| /operating_model/cells/downside_2027q2_cash_earnings:downside/label | None | Adjusted EBITDA plus cash interest income |
| /operating_model/cells/downside_2027q2_cash_earnings:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_cash_earnings:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_cash_earnings:downside/value | None | 80.49299999999988 |
| /operating_model/cells/downside_2027q2_cash_interest_tax:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q2_cash_interest_tax:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_cash_interest_tax:downside/id | None | downside_2027q2_cash_interest_tax |
| /operating_model/cells/downside_2027q2_cash_interest_tax:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q2_cash_interest_tax:downside/label | None | Cash interest and taxes |
| /operating_model/cells/downside_2027q2_cash_interest_tax:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_cash_interest_tax:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_cash_interest_tax:downside/value | None | 11.0 |
| /operating_model/cells/downside_2027q2_cash_uses:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2027q2_cash_uses:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_cash_uses:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q2_cash_uses:downside/formula/refs/0 | None | downside_2027q2_cash_adjustments |
| /operating_model/cells/downside_2027q2_cash_uses:downside/formula/refs/1 | None | downside_2027q2_cash_interest_tax |
| /operating_model/cells/downside_2027q2_cash_uses:downside/formula/refs/2 | None | downside_2027q2_wc |
| /operating_model/cells/downside_2027q2_cash_uses:downside/id | None | downside_2027q2_cash_uses |
| /operating_model/cells/downside_2027q2_cash_uses:downside/kind | None | derived |
| /operating_model/cells/downside_2027q2_cash_uses:downside/label | None | Cash adjustments taxes interest and working capital |
| /operating_model/cells/downside_2027q2_cash_uses:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_cash_uses:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_cash_uses:downside/value | None | 43.0 |
| /operating_model/cells/downside_2027q2_cfo:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2027q2_cfo:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_cfo:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q2_cfo:downside/formula/refs/0 | None | downside_2027q2_cash_earnings |
| /operating_model/cells/downside_2027q2_cfo:downside/formula/refs/1 | None | downside_2027q2_cash_uses |
| /operating_model/cells/downside_2027q2_cfo:downside/id | None | downside_2027q2_cfo |
| /operating_model/cells/downside_2027q2_cfo:downside/kind | None | derived |
| /operating_model/cells/downside_2027q2_cfo:downside/label | None | Operating cash flow proxy |
| /operating_model/cells/downside_2027q2_cfo:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_cfo:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_cfo:downside/value | None | 37.49299999999988 |
| /operating_model/cells/downside_2027q2_da:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q2_da:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_da:downside/id | None | downside_2027q2_da |
| /operating_model/cells/downside_2027q2_da:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q2_da:downside/label | None | Total D&A |
| /operating_model/cells/downside_2027q2_da:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_da:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_da:downside/value | None | 11.0 |
| /operating_model/cells/downside_2027q2_gaap_adjustments:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2027q2_gaap_adjustments:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_gaap_adjustments:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q2_gaap_adjustments:downside/formula/refs/0 | None | downside_2027q2_sbc |
| /operating_model/cells/downside_2027q2_gaap_adjustments:downside/formula/refs/1 | None | downside_2027q2_da |
| /operating_model/cells/downside_2027q2_gaap_adjustments:downside/formula/refs/2 | None | downside_2027q2_cash_adjustments |
| /operating_model/cells/downside_2027q2_gaap_adjustments:downside/id | None | downside_2027q2_gaap_adjustments |
| /operating_model/cells/downside_2027q2_gaap_adjustments:downside/kind | None | derived |
| /operating_model/cells/downside_2027q2_gaap_adjustments:downside/label | None | SBC D&A and cash excluded costs |
| /operating_model/cells/downside_2027q2_gaap_adjustments:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_gaap_adjustments:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_gaap_adjustments:downside/value | None | 97.0 |
| /operating_model/cells/downside_2027q2_gross_margin:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q2_gross_margin:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_gross_margin:downside/id | None | downside_2027q2_gross_margin |
| /operating_model/cells/downside_2027q2_gross_margin:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q2_gross_margin:downside/label | None | Gross margin |
| /operating_model/cells/downside_2027q2_gross_margin:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_gross_margin:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q2_gross_margin:downside/value | None | 0.89 |
| /operating_model/cells/downside_2027q2_gross_profit:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2027q2_gross_profit:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_gross_profit:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2027q2_gross_profit:downside/formula/refs/0 | None | downside_2027q2_revenue |
| /operating_model/cells/downside_2027q2_gross_profit:downside/formula/refs/1 | None | downside_2027q2_gross_margin |
| /operating_model/cells/downside_2027q2_gross_profit:downside/id | None | downside_2027q2_gross_profit |
| /operating_model/cells/downside_2027q2_gross_profit:downside/kind | None | derived |
| /operating_model/cells/downside_2027q2_gross_profit:downside/label | None | Gross profit after processing |
| /operating_model/cells/downside_2027q2_gross_profit:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_gross_profit:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_gross_profit:downside/value | None | 682.8525 |
| /operating_model/cells/downside_2027q2_interest_income:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q2_interest_income:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_interest_income:downside/id | None | downside_2027q2_interest_income |
| /operating_model/cells/downside_2027q2_interest_income:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q2_interest_income:downside/label | None | Cash interest income |
| /operating_model/cells/downside_2027q2_interest_income:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_interest_income:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_interest_income:downside/value | None | 5.0 |
| /operating_model/cells/downside_2027q2_investment:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2027q2_investment:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_investment:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q2_investment:downside/formula/refs/0 | None | downside_2027q2_net_loan_funding |
| /operating_model/cells/downside_2027q2_investment:downside/formula/refs/1 | None | downside_2027q2_capex |
| /operating_model/cells/downside_2027q2_investment:downside/id | None | downside_2027q2_investment |
| /operating_model/cells/downside_2027q2_investment:downside/kind | None | derived |
| /operating_model/cells/downside_2027q2_investment:downside/label | None | Loans and assets |
| /operating_model/cells/downside_2027q2_investment:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_investment:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_investment:downside/value | None | 83.0 |
| /operating_model/cells/downside_2027q2_member_index:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q2_member_index:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_member_index:downside/id | None | downside_2027q2_member_index |
| /operating_model/cells/downside_2027q2_member_index:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q2_member_index:downside/label | None | Active-member exposure index |
| /operating_model/cells/downside_2027q2_member_index:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_member_index:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q2_member_index:downside/value | None | 1.0999999999999999 |
| /operating_model/cells/downside_2027q2_mypay_loss_rate:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q2_mypay_loss_rate:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_mypay_loss_rate:downside/id | None | downside_2027q2_mypay_loss_rate |
| /operating_model/cells/downside_2027q2_mypay_loss_rate:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q2_mypay_loss_rate:downside/label | None | MyPay loss rate |
| /operating_model/cells/downside_2027q2_mypay_loss_rate:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_mypay_loss_rate:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q2_mypay_loss_rate:downside/value | None | 0.014 |
| /operating_model/cells/downside_2027q2_mypay_losses:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2027q2_mypay_losses:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_mypay_losses:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2027q2_mypay_losses:downside/formula/refs/0 | None | downside_2027q2_mypay_originations |
| /operating_model/cells/downside_2027q2_mypay_losses:downside/formula/refs/1 | None | downside_2027q2_mypay_loss_rate |
| /operating_model/cells/downside_2027q2_mypay_losses:downside/id | None | downside_2027q2_mypay_losses |
| /operating_model/cells/downside_2027q2_mypay_losses:downside/kind | None | derived |
| /operating_model/cells/downside_2027q2_mypay_losses:downside/label | None | MyPay loss allowance |
| /operating_model/cells/downside_2027q2_mypay_losses:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_mypay_losses:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_mypay_losses:downside/value | None | 75.516 |
| /operating_model/cells/downside_2027q2_mypay_originations:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q2_mypay_originations:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_mypay_originations:downside/id | None | downside_2027q2_mypay_originations |
| /operating_model/cells/downside_2027q2_mypay_originations:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q2_mypay_originations:downside/label | None | MyPay origination activity |
| /operating_model/cells/downside_2027q2_mypay_originations:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_mypay_originations:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_mypay_originations:downside/value | None | 5394.0 |
| /operating_model/cells/downside_2027q2_net_loan_funding:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q2_net_loan_funding:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_net_loan_funding:downside/id | None | downside_2027q2_net_loan_funding |
| /operating_model/cells/downside_2027q2_net_loan_funding:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q2_net_loan_funding:downside/label | None | Loans purchased less repayments |
| /operating_model/cells/downside_2027q2_net_loan_funding:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_net_loan_funding:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_net_loan_funding:downside/value | None | 70.0 |
| /operating_model/cells/downside_2027q2_operating_income:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2027q2_operating_income:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_operating_income:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q2_operating_income:downside/formula/refs/0 | None | downside_2027q2_adj_ebitda |
| /operating_model/cells/downside_2027q2_operating_income:downside/formula/refs/1 | None | downside_2027q2_gaap_adjustments |
| /operating_model/cells/downside_2027q2_operating_income:downside/id | None | downside_2027q2_operating_income |
| /operating_model/cells/downside_2027q2_operating_income:downside/kind | None | derived |
| /operating_model/cells/downside_2027q2_operating_income:downside/label | None | Operating income proxy |
| /operating_model/cells/downside_2027q2_operating_income:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_operating_income:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_operating_income:downside/value | None | -21.50700000000012 |
| /operating_model/cells/downside_2027q2_other_risk:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q2_other_risk:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_other_risk:downside/id | None | downside_2027q2_other_risk |
| /operating_model/cells/downside_2027q2_other_risk:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q2_other_risk:downside/label | None | Other lending, dispute and risk cost |
| /operating_model/cells/downside_2027q2_other_risk:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_other_risk:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_other_risk:downside/value | None | 80.25 |
| /operating_model/cells/downside_2027q2_payment_yield:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q2_payment_yield:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_payment_yield:downside/id | None | downside_2027q2_payment_yield |
| /operating_model/cells/downside_2027q2_payment_yield:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q2_payment_yield:downside/label | None | Net payments yield |
| /operating_model/cells/downside_2027q2_payment_yield:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_payment_yield:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q2_payment_yield:downside/value | None | 0.011363636363636364 |
| /operating_model/cells/downside_2027q2_payments:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2027q2_payments:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_payments:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2027q2_payments:downside/formula/refs/0 | None | downside_2027q2_purchase_volume |
| /operating_model/cells/downside_2027q2_payments:downside/formula/refs/1 | None | downside_2027q2_payment_yield |
| /operating_model/cells/downside_2027q2_payments:downside/id | None | downside_2027q2_payments |
| /operating_model/cells/downside_2027q2_payments:downside/kind | None | derived |
| /operating_model/cells/downside_2027q2_payments:downside/label | None | Payments revenue |
| /operating_model/cells/downside_2027q2_payments:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_payments:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_payments:downside/value | None | 465.0 |
| /operating_model/cells/downside_2027q2_platform:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2027q2_platform:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_platform:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2027q2_platform:downside/formula/refs/0 | None | q2_platform |
| /operating_model/cells/downside_2027q2_platform:downside/formula/refs/1 | None | downside_2027q2_member_index |
| /operating_model/cells/downside_2027q2_platform:downside/formula/refs/2 | None | downside_2027q2_platform_monetization |
| /operating_model/cells/downside_2027q2_platform:downside/id | None | downside_2027q2_platform |
| /operating_model/cells/downside_2027q2_platform:downside/kind | None | derived |
| /operating_model/cells/downside_2027q2_platform:downside/label | None | Platform revenue |
| /operating_model/cells/downside_2027q2_platform:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_platform:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_platform:downside/value | None | 302.25000000000006 |
| /operating_model/cells/downside_2027q2_platform_monetization:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q2_platform_monetization:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_platform_monetization:downside/id | None | downside_2027q2_platform_monetization |
| /operating_model/cells/downside_2027q2_platform_monetization:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q2_platform_monetization:downside/label | None | Platform monetization index |
| /operating_model/cells/downside_2027q2_platform_monetization:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_platform_monetization:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q2_platform_monetization:downside/value | None | 1.1461327830379175 |
| /operating_model/cells/downside_2027q2_purchase_volume:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q2_purchase_volume:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_purchase_volume:downside/id | None | downside_2027q2_purchase_volume |
| /operating_model/cells/downside_2027q2_purchase_volume:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q2_purchase_volume:downside/label | None | Purchase volume |
| /operating_model/cells/downside_2027q2_purchase_volume:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_purchase_volume:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_purchase_volume:downside/value | None | 40920.0 |
| /operating_model/cells/downside_2027q2_revenue:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2027q2_revenue:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_revenue:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q2_revenue:downside/formula/refs/0 | None | downside_2027q2_payments |
| /operating_model/cells/downside_2027q2_revenue:downside/formula/refs/1 | None | downside_2027q2_platform |
| /operating_model/cells/downside_2027q2_revenue:downside/id | None | downside_2027q2_revenue |
| /operating_model/cells/downside_2027q2_revenue:downside/kind | None | derived |
| /operating_model/cells/downside_2027q2_revenue:downside/label | None | Revenue |
| /operating_model/cells/downside_2027q2_revenue:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_revenue:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_revenue:downside/value | None | 767.25 |
| /operating_model/cells/downside_2027q2_risk:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2027q2_risk:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_risk:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q2_risk:downside/formula/refs/0 | None | downside_2027q2_mypay_losses |
| /operating_model/cells/downside_2027q2_risk:downside/formula/refs/1 | None | downside_2027q2_other_risk |
| /operating_model/cells/downside_2027q2_risk:downside/id | None | downside_2027q2_risk |
| /operating_model/cells/downside_2027q2_risk:downside/kind | None | derived |
| /operating_model/cells/downside_2027q2_risk:downside/label | None | Transaction and risk loss allowance |
| /operating_model/cells/downside_2027q2_risk:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_risk:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_risk:downside/value | None | 155.76600000000002 |
| /operating_model/cells/downside_2027q2_sbc:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q2_sbc:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_sbc:downside/id | None | downside_2027q2_sbc |
| /operating_model/cells/downside_2027q2_sbc:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q2_sbc:downside/label | None | Total SBC and stock charitable cost |
| /operating_model/cells/downside_2027q2_sbc:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_sbc:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_sbc:downside/value | None | 84.0 |
| /operating_model/cells/downside_2027q2_stride_closing:downside/basis | None | Conditional quarter placement; expected H1 2027, downside assumes delay. No acquired operations or synergy booked. |
| /operating_model/cells/downside_2027q2_stride_closing:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_stride_closing:downside/id | None | downside_2027q2_stride_closing |
| /operating_model/cells/downside_2027q2_stride_closing:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q2_stride_closing:downside/label | None | Stride closing switch |
| /operating_model/cells/downside_2027q2_stride_closing:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_stride_closing:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q2_stride_closing:downside/value | None | 0.0 |
| /operating_model/cells/downside_2027q2_transaction_profit:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2027q2_transaction_profit:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_transaction_profit:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q2_transaction_profit:downside/formula/refs/0 | None | downside_2027q2_gross_profit |
| /operating_model/cells/downside_2027q2_transaction_profit:downside/formula/refs/1 | None | downside_2027q2_risk |
| /operating_model/cells/downside_2027q2_transaction_profit:downside/id | None | downside_2027q2_transaction_profit |
| /operating_model/cells/downside_2027q2_transaction_profit:downside/kind | None | derived |
| /operating_model/cells/downside_2027q2_transaction_profit:downside/label | None | Transaction profit |
| /operating_model/cells/downside_2027q2_transaction_profit:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_transaction_profit:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_transaction_profit:downside/value | None | 527.0864999999999 |
| /operating_model/cells/downside_2027q2_wc:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q2_wc:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_wc:downside/id | None | downside_2027q2_wc |
| /operating_model/cells/downside_2027q2_wc:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q2_wc:downside/label | None | Product collateral and net operating working-capital use |
| /operating_model/cells/downside_2027q2_wc:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_wc:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_wc:downside/value | None | 30.0 |
| /operating_model/cells/downside_2027q3_acquisition_cash:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2027q3_acquisition_cash:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_acquisition_cash:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2027q3_acquisition_cash:downside/formula/refs/0 | None | stride_price |
| /operating_model/cells/downside_2027q3_acquisition_cash:downside/formula/refs/1 | None | downside_2027q3_stride_closing |
| /operating_model/cells/downside_2027q3_acquisition_cash:downside/id | None | downside_2027q3_acquisition_cash |
| /operating_model/cells/downside_2027q3_acquisition_cash:downside/kind | None | derived |
| /operating_model/cells/downside_2027q3_acquisition_cash:downside/label | None | Conditional Stride purchase cash |
| /operating_model/cells/downside_2027q3_acquisition_cash:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_acquisition_cash:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_acquisition_cash:downside/value | None | 0.0 |
| /operating_model/cells/downside_2027q3_adj_ebitda:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2027q3_adj_ebitda:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_adj_ebitda:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q3_adj_ebitda:downside/formula/refs/0 | None | downside_2027q3_transaction_profit |
| /operating_model/cells/downside_2027q3_adj_ebitda:downside/formula/refs/1 | None | downside_2027q3_adjusted_costs |
| /operating_model/cells/downside_2027q3_adj_ebitda:downside/id | None | downside_2027q3_adj_ebitda |
| /operating_model/cells/downside_2027q3_adj_ebitda:downside/kind | None | derived |
| /operating_model/cells/downside_2027q3_adj_ebitda:downside/label | None | Adjusted EBITDA proxy |
| /operating_model/cells/downside_2027q3_adj_ebitda:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_adj_ebitda:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_adj_ebitda:downside/value | None | 94.03399999999988 |
| /operating_model/cells/downside_2027q3_adjusted_costs:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q3_adjusted_costs:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_adjusted_costs:downside/id | None | downside_2027q3_adjusted_costs |
| /operating_model/cells/downside_2027q3_adjusted_costs:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q3_adjusted_costs:downside/label | None | Adjusted product, sales and corporate cost |
| /operating_model/cells/downside_2027q3_adjusted_costs:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_adjusted_costs:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_adjusted_costs:downside/value | None | 470.15800000000013 |
| /operating_model/cells/downside_2027q3_capex:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q3_capex:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_capex:downside/id | None | downside_2027q3_capex |
| /operating_model/cells/downside_2027q3_capex:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q3_capex:downside/label | None | PP&E and purchased/internal software cash |
| /operating_model/cells/downside_2027q3_capex:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_capex:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_capex:downside/value | None | 14.0 |
| /operating_model/cells/downside_2027q3_cash_adjustments:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q3_cash_adjustments:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_cash_adjustments:downside/id | None | downside_2027q3_cash_adjustments |
| /operating_model/cells/downside_2027q3_cash_adjustments:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q3_cash_adjustments:downside/label | None | Cash costs excluded from adjusted EBITDA |
| /operating_model/cells/downside_2027q3_cash_adjustments:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_cash_adjustments:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_cash_adjustments:downside/value | None | 2.0 |
| /operating_model/cells/downside_2027q3_cash_after_acquisition:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2027q3_cash_after_acquisition:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_cash_after_acquisition:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q3_cash_after_acquisition:downside/formula/refs/0 | None | downside_2027q3_cash_after_funding |
| /operating_model/cells/downside_2027q3_cash_after_acquisition:downside/formula/refs/1 | None | downside_2027q3_acquisition_cash |
| /operating_model/cells/downside_2027q3_cash_after_acquisition:downside/id | None | downside_2027q3_cash_after_acquisition |
| /operating_model/cells/downside_2027q3_cash_after_acquisition:downside/kind | None | derived |
| /operating_model/cells/downside_2027q3_cash_after_acquisition:downside/label | None | Cash after proposed bank purchase |
| /operating_model/cells/downside_2027q3_cash_after_acquisition:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_cash_after_acquisition:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_cash_after_acquisition:downside/value | None | -41.96600000000012 |
| /operating_model/cells/downside_2027q3_cash_after_funding:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2027q3_cash_after_funding:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_cash_after_funding:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q3_cash_after_funding:downside/formula/refs/0 | None | downside_2027q3_cfo |
| /operating_model/cells/downside_2027q3_cash_after_funding:downside/formula/refs/1 | None | downside_2027q3_investment |
| /operating_model/cells/downside_2027q3_cash_after_funding:downside/id | None | downside_2027q3_cash_after_funding |
| /operating_model/cells/downside_2027q3_cash_after_funding:downside/kind | None | derived |
| /operating_model/cells/downside_2027q3_cash_after_funding:downside/label | None | Cash after loan funding and assets |
| /operating_model/cells/downside_2027q3_cash_after_funding:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_cash_after_funding:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_cash_after_funding:downside/value | None | -41.96600000000012 |
| /operating_model/cells/downside_2027q3_cash_earnings:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2027q3_cash_earnings:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_cash_earnings:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q3_cash_earnings:downside/formula/refs/0 | None | downside_2027q3_adj_ebitda |
| /operating_model/cells/downside_2027q3_cash_earnings:downside/formula/refs/1 | None | downside_2027q3_interest_income |
| /operating_model/cells/downside_2027q3_cash_earnings:downside/id | None | downside_2027q3_cash_earnings |
| /operating_model/cells/downside_2027q3_cash_earnings:downside/kind | None | derived |
| /operating_model/cells/downside_2027q3_cash_earnings:downside/label | None | Adjusted EBITDA plus cash interest income |
| /operating_model/cells/downside_2027q3_cash_earnings:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_cash_earnings:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_cash_earnings:downside/value | None | 99.03399999999988 |
| /operating_model/cells/downside_2027q3_cash_interest_tax:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q3_cash_interest_tax:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_cash_interest_tax:downside/id | None | downside_2027q3_cash_interest_tax |
| /operating_model/cells/downside_2027q3_cash_interest_tax:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q3_cash_interest_tax:downside/label | None | Cash interest and taxes |
| /operating_model/cells/downside_2027q3_cash_interest_tax:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_cash_interest_tax:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_cash_interest_tax:downside/value | None | 13.0 |
| /operating_model/cells/downside_2027q3_cash_uses:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2027q3_cash_uses:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_cash_uses:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q3_cash_uses:downside/formula/refs/0 | None | downside_2027q3_cash_adjustments |
| /operating_model/cells/downside_2027q3_cash_uses:downside/formula/refs/1 | None | downside_2027q3_cash_interest_tax |
| /operating_model/cells/downside_2027q3_cash_uses:downside/formula/refs/2 | None | downside_2027q3_wc |
| /operating_model/cells/downside_2027q3_cash_uses:downside/id | None | downside_2027q3_cash_uses |
| /operating_model/cells/downside_2027q3_cash_uses:downside/kind | None | derived |
| /operating_model/cells/downside_2027q3_cash_uses:downside/label | None | Cash adjustments taxes interest and working capital |
| /operating_model/cells/downside_2027q3_cash_uses:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_cash_uses:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_cash_uses:downside/value | None | 50.0 |
| /operating_model/cells/downside_2027q3_cfo:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2027q3_cfo:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_cfo:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q3_cfo:downside/formula/refs/0 | None | downside_2027q3_cash_earnings |
| /operating_model/cells/downside_2027q3_cfo:downside/formula/refs/1 | None | downside_2027q3_cash_uses |
| /operating_model/cells/downside_2027q3_cfo:downside/id | None | downside_2027q3_cfo |
| /operating_model/cells/downside_2027q3_cfo:downside/kind | None | derived |
| /operating_model/cells/downside_2027q3_cfo:downside/label | None | Operating cash flow proxy |
| /operating_model/cells/downside_2027q3_cfo:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_cfo:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_cfo:downside/value | None | 49.03399999999988 |
| /operating_model/cells/downside_2027q3_da:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q3_da:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_da:downside/id | None | downside_2027q3_da |
| /operating_model/cells/downside_2027q3_da:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q3_da:downside/label | None | Total D&A |
| /operating_model/cells/downside_2027q3_da:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_da:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_da:downside/value | None | 12.0 |
| /operating_model/cells/downside_2027q3_gaap_adjustments:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2027q3_gaap_adjustments:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_gaap_adjustments:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q3_gaap_adjustments:downside/formula/refs/0 | None | downside_2027q3_sbc |
| /operating_model/cells/downside_2027q3_gaap_adjustments:downside/formula/refs/1 | None | downside_2027q3_da |
| /operating_model/cells/downside_2027q3_gaap_adjustments:downside/formula/refs/2 | None | downside_2027q3_cash_adjustments |
| /operating_model/cells/downside_2027q3_gaap_adjustments:downside/id | None | downside_2027q3_gaap_adjustments |
| /operating_model/cells/downside_2027q3_gaap_adjustments:downside/kind | None | derived |
| /operating_model/cells/downside_2027q3_gaap_adjustments:downside/label | None | SBC D&A and cash excluded costs |
| /operating_model/cells/downside_2027q3_gaap_adjustments:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_gaap_adjustments:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_gaap_adjustments:downside/value | None | 102.0 |
| /operating_model/cells/downside_2027q3_gross_margin:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q3_gross_margin:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_gross_margin:downside/id | None | downside_2027q3_gross_margin |
| /operating_model/cells/downside_2027q3_gross_margin:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q3_gross_margin:downside/label | None | Gross margin |
| /operating_model/cells/downside_2027q3_gross_margin:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_gross_margin:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q3_gross_margin:downside/value | None | 0.89 |
| /operating_model/cells/downside_2027q3_gross_profit:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2027q3_gross_profit:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_gross_profit:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2027q3_gross_profit:downside/formula/refs/0 | None | downside_2027q3_revenue |
| /operating_model/cells/downside_2027q3_gross_profit:downside/formula/refs/1 | None | downside_2027q3_gross_margin |
| /operating_model/cells/downside_2027q3_gross_profit:downside/id | None | downside_2027q3_gross_profit |
| /operating_model/cells/downside_2027q3_gross_profit:downside/kind | None | derived |
| /operating_model/cells/downside_2027q3_gross_profit:downside/label | None | Gross profit after processing |
| /operating_model/cells/downside_2027q3_gross_profit:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_gross_profit:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_gross_profit:downside/value | None | 728.376 |
| /operating_model/cells/downside_2027q3_interest_income:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q3_interest_income:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_interest_income:downside/id | None | downside_2027q3_interest_income |
| /operating_model/cells/downside_2027q3_interest_income:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q3_interest_income:downside/label | None | Cash interest income |
| /operating_model/cells/downside_2027q3_interest_income:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_interest_income:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_interest_income:downside/value | None | 5.0 |
| /operating_model/cells/downside_2027q3_investment:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2027q3_investment:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_investment:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q3_investment:downside/formula/refs/0 | None | downside_2027q3_net_loan_funding |
| /operating_model/cells/downside_2027q3_investment:downside/formula/refs/1 | None | downside_2027q3_capex |
| /operating_model/cells/downside_2027q3_investment:downside/id | None | downside_2027q3_investment |
| /operating_model/cells/downside_2027q3_investment:downside/kind | None | derived |
| /operating_model/cells/downside_2027q3_investment:downside/label | None | Loans and assets |
| /operating_model/cells/downside_2027q3_investment:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_investment:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_investment:downside/value | None | 91.0 |
| /operating_model/cells/downside_2027q3_member_index:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q3_member_index:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_member_index:downside/id | None | downside_2027q3_member_index |
| /operating_model/cells/downside_2027q3_member_index:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q3_member_index:downside/label | None | Active-member exposure index |
| /operating_model/cells/downside_2027q3_member_index:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_member_index:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q3_member_index:downside/value | None | 1.125 |
| /operating_model/cells/downside_2027q3_mypay_loss_rate:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q3_mypay_loss_rate:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_mypay_loss_rate:downside/id | None | downside_2027q3_mypay_loss_rate |
| /operating_model/cells/downside_2027q3_mypay_loss_rate:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q3_mypay_loss_rate:downside/label | None | MyPay loss rate |
| /operating_model/cells/downside_2027q3_mypay_loss_rate:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_mypay_loss_rate:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q3_mypay_loss_rate:downside/value | None | 0.014 |
| /operating_model/cells/downside_2027q3_mypay_losses:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2027q3_mypay_losses:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_mypay_losses:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2027q3_mypay_losses:downside/formula/refs/0 | None | downside_2027q3_mypay_originations |
| /operating_model/cells/downside_2027q3_mypay_losses:downside/formula/refs/1 | None | downside_2027q3_mypay_loss_rate |
| /operating_model/cells/downside_2027q3_mypay_losses:downside/id | None | downside_2027q3_mypay_losses |
| /operating_model/cells/downside_2027q3_mypay_losses:downside/kind | None | derived |
| /operating_model/cells/downside_2027q3_mypay_losses:downside/label | None | MyPay loss allowance |
| /operating_model/cells/downside_2027q3_mypay_losses:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_mypay_losses:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_mypay_losses:downside/value | None | 80.724 |
| /operating_model/cells/downside_2027q3_mypay_originations:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q3_mypay_originations:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_mypay_originations:downside/id | None | downside_2027q3_mypay_originations |
| /operating_model/cells/downside_2027q3_mypay_originations:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q3_mypay_originations:downside/label | None | MyPay origination activity |
| /operating_model/cells/downside_2027q3_mypay_originations:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_mypay_originations:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_mypay_originations:downside/value | None | 5766.0 |
| /operating_model/cells/downside_2027q3_net_loan_funding:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q3_net_loan_funding:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_net_loan_funding:downside/id | None | downside_2027q3_net_loan_funding |
| /operating_model/cells/downside_2027q3_net_loan_funding:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q3_net_loan_funding:downside/label | None | Loans purchased less repayments |
| /operating_model/cells/downside_2027q3_net_loan_funding:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_net_loan_funding:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_net_loan_funding:downside/value | None | 77.0 |
| /operating_model/cells/downside_2027q3_operating_income:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2027q3_operating_income:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_operating_income:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q3_operating_income:downside/formula/refs/0 | None | downside_2027q3_adj_ebitda |
| /operating_model/cells/downside_2027q3_operating_income:downside/formula/refs/1 | None | downside_2027q3_gaap_adjustments |
| /operating_model/cells/downside_2027q3_operating_income:downside/id | None | downside_2027q3_operating_income |
| /operating_model/cells/downside_2027q3_operating_income:downside/kind | None | derived |
| /operating_model/cells/downside_2027q3_operating_income:downside/label | None | Operating income proxy |
| /operating_model/cells/downside_2027q3_operating_income:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_operating_income:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_operating_income:downside/value | None | -7.966000000000122 |
| /operating_model/cells/downside_2027q3_other_risk:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q3_other_risk:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_other_risk:downside/id | None | downside_2027q3_other_risk |
| /operating_model/cells/downside_2027q3_other_risk:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q3_other_risk:downside/label | None | Other lending, dispute and risk cost |
| /operating_model/cells/downside_2027q3_other_risk:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_other_risk:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_other_risk:downside/value | None | 83.46000000000001 |
| /operating_model/cells/downside_2027q3_payment_yield:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q3_payment_yield:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_payment_yield:downside/id | None | downside_2027q3_payment_yield |
| /operating_model/cells/downside_2027q3_payment_yield:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q3_payment_yield:downside/label | None | Net payments yield |
| /operating_model/cells/downside_2027q3_payment_yield:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_payment_yield:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q3_payment_yield:downside/value | None | 0.011397849462365592 |
| /operating_model/cells/downside_2027q3_payments:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2027q3_payments:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_payments:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2027q3_payments:downside/formula/refs/0 | None | downside_2027q3_purchase_volume |
| /operating_model/cells/downside_2027q3_payments:downside/formula/refs/1 | None | downside_2027q3_payment_yield |
| /operating_model/cells/downside_2027q3_payments:downside/id | None | downside_2027q3_payments |
| /operating_model/cells/downside_2027q3_payments:downside/kind | None | derived |
| /operating_model/cells/downside_2027q3_payments:downside/label | None | Payments revenue |
| /operating_model/cells/downside_2027q3_payments:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_payments:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_payments:downside/value | None | 492.90000000000003 |
| /operating_model/cells/downside_2027q3_platform:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2027q3_platform:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_platform:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2027q3_platform:downside/formula/refs/0 | None | q2_platform |
| /operating_model/cells/downside_2027q3_platform:downside/formula/refs/1 | None | downside_2027q3_member_index |
| /operating_model/cells/downside_2027q3_platform:downside/formula/refs/2 | None | downside_2027q3_platform_monetization |
| /operating_model/cells/downside_2027q3_platform:downside/id | None | downside_2027q3_platform |
| /operating_model/cells/downside_2027q3_platform:downside/kind | None | derived |
| /operating_model/cells/downside_2027q3_platform:downside/label | None | Platform revenue |
| /operating_model/cells/downside_2027q3_platform:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_platform:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_platform:downside/value | None | 325.49999999999994 |
| /operating_model/cells/downside_2027q3_platform_monetization:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q3_platform_monetization:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_platform_monetization:downside/id | None | downside_2027q3_platform_monetization |
| /operating_model/cells/downside_2027q3_platform_monetization:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q3_platform_monetization:downside/label | None | Platform monetization index |
| /operating_model/cells/downside_2027q3_platform_monetization:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_platform_monetization:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q3_platform_monetization:downside/value | None | 1.2068680245322343 |
| /operating_model/cells/downside_2027q3_purchase_volume:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q3_purchase_volume:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_purchase_volume:downside/id | None | downside_2027q3_purchase_volume |
| /operating_model/cells/downside_2027q3_purchase_volume:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q3_purchase_volume:downside/label | None | Purchase volume |
| /operating_model/cells/downside_2027q3_purchase_volume:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_purchase_volume:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_purchase_volume:downside/value | None | 43245.0 |
| /operating_model/cells/downside_2027q3_revenue:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2027q3_revenue:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_revenue:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q3_revenue:downside/formula/refs/0 | None | downside_2027q3_payments |
| /operating_model/cells/downside_2027q3_revenue:downside/formula/refs/1 | None | downside_2027q3_platform |
| /operating_model/cells/downside_2027q3_revenue:downside/id | None | downside_2027q3_revenue |
| /operating_model/cells/downside_2027q3_revenue:downside/kind | None | derived |
| /operating_model/cells/downside_2027q3_revenue:downside/label | None | Revenue |
| /operating_model/cells/downside_2027q3_revenue:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_revenue:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_revenue:downside/value | None | 818.4 |
| /operating_model/cells/downside_2027q3_risk:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2027q3_risk:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_risk:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q3_risk:downside/formula/refs/0 | None | downside_2027q3_mypay_losses |
| /operating_model/cells/downside_2027q3_risk:downside/formula/refs/1 | None | downside_2027q3_other_risk |
| /operating_model/cells/downside_2027q3_risk:downside/id | None | downside_2027q3_risk |
| /operating_model/cells/downside_2027q3_risk:downside/kind | None | derived |
| /operating_model/cells/downside_2027q3_risk:downside/label | None | Transaction and risk loss allowance |
| /operating_model/cells/downside_2027q3_risk:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_risk:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_risk:downside/value | None | 164.18400000000003 |
| /operating_model/cells/downside_2027q3_sbc:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q3_sbc:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_sbc:downside/id | None | downside_2027q3_sbc |
| /operating_model/cells/downside_2027q3_sbc:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q3_sbc:downside/label | None | Total SBC and stock charitable cost |
| /operating_model/cells/downside_2027q3_sbc:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_sbc:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_sbc:downside/value | None | 88.0 |
| /operating_model/cells/downside_2027q3_stride_closing:downside/basis | None | Conditional quarter placement; expected H1 2027, downside assumes delay. No acquired operations or synergy booked. |
| /operating_model/cells/downside_2027q3_stride_closing:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_stride_closing:downside/id | None | downside_2027q3_stride_closing |
| /operating_model/cells/downside_2027q3_stride_closing:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q3_stride_closing:downside/label | None | Stride closing switch |
| /operating_model/cells/downside_2027q3_stride_closing:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_stride_closing:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q3_stride_closing:downside/value | None | 0.0 |
| /operating_model/cells/downside_2027q3_transaction_profit:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2027q3_transaction_profit:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_transaction_profit:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q3_transaction_profit:downside/formula/refs/0 | None | downside_2027q3_gross_profit |
| /operating_model/cells/downside_2027q3_transaction_profit:downside/formula/refs/1 | None | downside_2027q3_risk |
| /operating_model/cells/downside_2027q3_transaction_profit:downside/id | None | downside_2027q3_transaction_profit |
| /operating_model/cells/downside_2027q3_transaction_profit:downside/kind | None | derived |
| /operating_model/cells/downside_2027q3_transaction_profit:downside/label | None | Transaction profit |
| /operating_model/cells/downside_2027q3_transaction_profit:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_transaction_profit:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_transaction_profit:downside/value | None | 564.192 |
| /operating_model/cells/downside_2027q3_wc:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q3_wc:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_wc:downside/id | None | downside_2027q3_wc |
| /operating_model/cells/downside_2027q3_wc:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q3_wc:downside/label | None | Product collateral and net operating working-capital use |
| /operating_model/cells/downside_2027q3_wc:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_wc:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_wc:downside/value | None | 35.0 |
| /operating_model/cells/downside_2027q4_acquisition_cash:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2027q4_acquisition_cash:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_acquisition_cash:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2027q4_acquisition_cash:downside/formula/refs/0 | None | stride_price |
| /operating_model/cells/downside_2027q4_acquisition_cash:downside/formula/refs/1 | None | downside_2027q4_stride_closing |
| /operating_model/cells/downside_2027q4_acquisition_cash:downside/id | None | downside_2027q4_acquisition_cash |
| /operating_model/cells/downside_2027q4_acquisition_cash:downside/kind | None | derived |
| /operating_model/cells/downside_2027q4_acquisition_cash:downside/label | None | Conditional Stride purchase cash |
| /operating_model/cells/downside_2027q4_acquisition_cash:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_acquisition_cash:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_acquisition_cash:downside/value | None | 590.0 |
| /operating_model/cells/downside_2027q4_adj_ebitda:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2027q4_adj_ebitda:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_adj_ebitda:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q4_adj_ebitda:downside/formula/refs/0 | None | downside_2027q4_transaction_profit |
| /operating_model/cells/downside_2027q4_adj_ebitda:downside/formula/refs/1 | None | downside_2027q4_adjusted_costs |
| /operating_model/cells/downside_2027q4_adj_ebitda:downside/id | None | downside_2027q4_adj_ebitda |
| /operating_model/cells/downside_2027q4_adj_ebitda:downside/kind | None | derived |
| /operating_model/cells/downside_2027q4_adj_ebitda:downside/label | None | Adjusted EBITDA proxy |
| /operating_model/cells/downside_2027q4_adj_ebitda:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_adj_ebitda:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_adj_ebitda:downside/value | None | 113.19799999999987 |
| /operating_model/cells/downside_2027q4_adjusted_costs:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q4_adjusted_costs:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_adjusted_costs:downside/id | None | downside_2027q4_adjusted_costs |
| /operating_model/cells/downside_2027q4_adjusted_costs:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q4_adjusted_costs:downside/label | None | Adjusted product, sales and corporate cost |
| /operating_model/cells/downside_2027q4_adjusted_costs:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_adjusted_costs:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_adjusted_costs:downside/value | None | 483.9610000000001 |
| /operating_model/cells/downside_2027q4_capex:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q4_capex:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_capex:downside/id | None | downside_2027q4_capex |
| /operating_model/cells/downside_2027q4_capex:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q4_capex:downside/label | None | PP&E and purchased/internal software cash |
| /operating_model/cells/downside_2027q4_capex:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_capex:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_capex:downside/value | None | 15.0 |
| /operating_model/cells/downside_2027q4_cash_adjustments:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q4_cash_adjustments:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_cash_adjustments:downside/id | None | downside_2027q4_cash_adjustments |
| /operating_model/cells/downside_2027q4_cash_adjustments:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q4_cash_adjustments:downside/label | None | Cash costs excluded from adjusted EBITDA |
| /operating_model/cells/downside_2027q4_cash_adjustments:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_cash_adjustments:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_cash_adjustments:downside/value | None | 2.0 |
| /operating_model/cells/downside_2027q4_cash_after_acquisition:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2027q4_cash_after_acquisition:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_cash_after_acquisition:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q4_cash_after_acquisition:downside/formula/refs/0 | None | downside_2027q4_cash_after_funding |
| /operating_model/cells/downside_2027q4_cash_after_acquisition:downside/formula/refs/1 | None | downside_2027q4_acquisition_cash |
| /operating_model/cells/downside_2027q4_cash_after_acquisition:downside/id | None | downside_2027q4_cash_after_acquisition |
| /operating_model/cells/downside_2027q4_cash_after_acquisition:downside/kind | None | derived |
| /operating_model/cells/downside_2027q4_cash_after_acquisition:downside/label | None | Cash after proposed bank purchase |
| /operating_model/cells/downside_2027q4_cash_after_acquisition:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_cash_after_acquisition:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_cash_after_acquisition:downside/value | None | -627.8020000000001 |
| /operating_model/cells/downside_2027q4_cash_after_funding:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2027q4_cash_after_funding:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_cash_after_funding:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q4_cash_after_funding:downside/formula/refs/0 | None | downside_2027q4_cfo |
| /operating_model/cells/downside_2027q4_cash_after_funding:downside/formula/refs/1 | None | downside_2027q4_investment |
| /operating_model/cells/downside_2027q4_cash_after_funding:downside/id | None | downside_2027q4_cash_after_funding |
| /operating_model/cells/downside_2027q4_cash_after_funding:downside/kind | None | derived |
| /operating_model/cells/downside_2027q4_cash_after_funding:downside/label | None | Cash after loan funding and assets |
| /operating_model/cells/downside_2027q4_cash_after_funding:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_cash_after_funding:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_cash_after_funding:downside/value | None | -37.802000000000135 |
| /operating_model/cells/downside_2027q4_cash_earnings:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2027q4_cash_earnings:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_cash_earnings:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q4_cash_earnings:downside/formula/refs/0 | None | downside_2027q4_adj_ebitda |
| /operating_model/cells/downside_2027q4_cash_earnings:downside/formula/refs/1 | None | downside_2027q4_interest_income |
| /operating_model/cells/downside_2027q4_cash_earnings:downside/id | None | downside_2027q4_cash_earnings |
| /operating_model/cells/downside_2027q4_cash_earnings:downside/kind | None | derived |
| /operating_model/cells/downside_2027q4_cash_earnings:downside/label | None | Adjusted EBITDA plus cash interest income |
| /operating_model/cells/downside_2027q4_cash_earnings:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_cash_earnings:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_cash_earnings:downside/value | None | 118.19799999999987 |
| /operating_model/cells/downside_2027q4_cash_interest_tax:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q4_cash_interest_tax:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_cash_interest_tax:downside/id | None | downside_2027q4_cash_interest_tax |
| /operating_model/cells/downside_2027q4_cash_interest_tax:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q4_cash_interest_tax:downside/label | None | Cash interest and taxes |
| /operating_model/cells/downside_2027q4_cash_interest_tax:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_cash_interest_tax:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_cash_interest_tax:downside/value | None | 15.0 |
| /operating_model/cells/downside_2027q4_cash_uses:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2027q4_cash_uses:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_cash_uses:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q4_cash_uses:downside/formula/refs/0 | None | downside_2027q4_cash_adjustments |
| /operating_model/cells/downside_2027q4_cash_uses:downside/formula/refs/1 | None | downside_2027q4_cash_interest_tax |
| /operating_model/cells/downside_2027q4_cash_uses:downside/formula/refs/2 | None | downside_2027q4_wc |
| /operating_model/cells/downside_2027q4_cash_uses:downside/id | None | downside_2027q4_cash_uses |
| /operating_model/cells/downside_2027q4_cash_uses:downside/kind | None | derived |
| /operating_model/cells/downside_2027q4_cash_uses:downside/label | None | Cash adjustments taxes interest and working capital |
| /operating_model/cells/downside_2027q4_cash_uses:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_cash_uses:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_cash_uses:downside/value | None | 57.0 |
| /operating_model/cells/downside_2027q4_cfo:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2027q4_cfo:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_cfo:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q4_cfo:downside/formula/refs/0 | None | downside_2027q4_cash_earnings |
| /operating_model/cells/downside_2027q4_cfo:downside/formula/refs/1 | None | downside_2027q4_cash_uses |
| /operating_model/cells/downside_2027q4_cfo:downside/id | None | downside_2027q4_cfo |
| /operating_model/cells/downside_2027q4_cfo:downside/kind | None | derived |
| /operating_model/cells/downside_2027q4_cfo:downside/label | None | Operating cash flow proxy |
| /operating_model/cells/downside_2027q4_cfo:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_cfo:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_cfo:downside/value | None | 61.197999999999865 |
| /operating_model/cells/downside_2027q4_da:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q4_da:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_da:downside/id | None | downside_2027q4_da |
| /operating_model/cells/downside_2027q4_da:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q4_da:downside/label | None | Total D&A |
| /operating_model/cells/downside_2027q4_da:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_da:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_da:downside/value | None | 13.0 |
| /operating_model/cells/downside_2027q4_gaap_adjustments:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2027q4_gaap_adjustments:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_gaap_adjustments:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q4_gaap_adjustments:downside/formula/refs/0 | None | downside_2027q4_sbc |
| /operating_model/cells/downside_2027q4_gaap_adjustments:downside/formula/refs/1 | None | downside_2027q4_da |
| /operating_model/cells/downside_2027q4_gaap_adjustments:downside/formula/refs/2 | None | downside_2027q4_cash_adjustments |
| /operating_model/cells/downside_2027q4_gaap_adjustments:downside/id | None | downside_2027q4_gaap_adjustments |
| /operating_model/cells/downside_2027q4_gaap_adjustments:downside/kind | None | derived |
| /operating_model/cells/downside_2027q4_gaap_adjustments:downside/label | None | SBC D&A and cash excluded costs |
| /operating_model/cells/downside_2027q4_gaap_adjustments:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_gaap_adjustments:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_gaap_adjustments:downside/value | None | 107.0 |
| /operating_model/cells/downside_2027q4_gross_margin:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q4_gross_margin:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_gross_margin:downside/id | None | downside_2027q4_gross_margin |
| /operating_model/cells/downside_2027q4_gross_margin:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q4_gross_margin:downside/label | None | Gross margin |
| /operating_model/cells/downside_2027q4_gross_margin:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_gross_margin:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q4_gross_margin:downside/value | None | 0.89 |
| /operating_model/cells/downside_2027q4_gross_profit:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2027q4_gross_profit:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_gross_profit:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2027q4_gross_profit:downside/formula/refs/0 | None | downside_2027q4_revenue |
| /operating_model/cells/downside_2027q4_gross_profit:downside/formula/refs/1 | None | downside_2027q4_gross_margin |
| /operating_model/cells/downside_2027q4_gross_profit:downside/id | None | downside_2027q4_gross_profit |
| /operating_model/cells/downside_2027q4_gross_profit:downside/kind | None | derived |
| /operating_model/cells/downside_2027q4_gross_profit:downside/label | None | Gross profit after processing |
| /operating_model/cells/downside_2027q4_gross_profit:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_gross_profit:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_gross_profit:downside/value | None | 769.761 |
| /operating_model/cells/downside_2027q4_interest_income:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q4_interest_income:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_interest_income:downside/id | None | downside_2027q4_interest_income |
| /operating_model/cells/downside_2027q4_interest_income:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q4_interest_income:downside/label | None | Cash interest income |
| /operating_model/cells/downside_2027q4_interest_income:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_interest_income:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_interest_income:downside/value | None | 5.0 |
| /operating_model/cells/downside_2027q4_investment:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2027q4_investment:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_investment:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q4_investment:downside/formula/refs/0 | None | downside_2027q4_net_loan_funding |
| /operating_model/cells/downside_2027q4_investment:downside/formula/refs/1 | None | downside_2027q4_capex |
| /operating_model/cells/downside_2027q4_investment:downside/id | None | downside_2027q4_investment |
| /operating_model/cells/downside_2027q4_investment:downside/kind | None | derived |
| /operating_model/cells/downside_2027q4_investment:downside/label | None | Loans and assets |
| /operating_model/cells/downside_2027q4_investment:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_investment:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_investment:downside/value | None | 99.0 |
| /operating_model/cells/downside_2027q4_member_index:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q4_member_index:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_member_index:downside/id | None | downside_2027q4_member_index |
| /operating_model/cells/downside_2027q4_member_index:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q4_member_index:downside/label | None | Active-member exposure index |
| /operating_model/cells/downside_2027q4_member_index:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_member_index:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q4_member_index:downside/value | None | 1.15 |
| /operating_model/cells/downside_2027q4_mypay_loss_rate:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q4_mypay_loss_rate:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_mypay_loss_rate:downside/id | None | downside_2027q4_mypay_loss_rate |
| /operating_model/cells/downside_2027q4_mypay_loss_rate:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q4_mypay_loss_rate:downside/label | None | MyPay loss rate |
| /operating_model/cells/downside_2027q4_mypay_loss_rate:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_mypay_loss_rate:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q4_mypay_loss_rate:downside/value | None | 0.014 |
| /operating_model/cells/downside_2027q4_mypay_losses:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2027q4_mypay_losses:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_mypay_losses:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2027q4_mypay_losses:downside/formula/refs/0 | None | downside_2027q4_mypay_originations |
| /operating_model/cells/downside_2027q4_mypay_losses:downside/formula/refs/1 | None | downside_2027q4_mypay_loss_rate |
| /operating_model/cells/downside_2027q4_mypay_losses:downside/id | None | downside_2027q4_mypay_losses |
| /operating_model/cells/downside_2027q4_mypay_losses:downside/kind | None | derived |
| /operating_model/cells/downside_2027q4_mypay_losses:downside/label | None | MyPay loss allowance |
| /operating_model/cells/downside_2027q4_mypay_losses:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_mypay_losses:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_mypay_losses:downside/value | None | 85.932 |
| /operating_model/cells/downside_2027q4_mypay_originations:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q4_mypay_originations:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_mypay_originations:downside/id | None | downside_2027q4_mypay_originations |
| /operating_model/cells/downside_2027q4_mypay_originations:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q4_mypay_originations:downside/label | None | MyPay origination activity |
| /operating_model/cells/downside_2027q4_mypay_originations:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_mypay_originations:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_mypay_originations:downside/value | None | 6138.0 |
| /operating_model/cells/downside_2027q4_net_loan_funding:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q4_net_loan_funding:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_net_loan_funding:downside/id | None | downside_2027q4_net_loan_funding |
| /operating_model/cells/downside_2027q4_net_loan_funding:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q4_net_loan_funding:downside/label | None | Loans purchased less repayments |
| /operating_model/cells/downside_2027q4_net_loan_funding:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_net_loan_funding:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_net_loan_funding:downside/value | None | 84.0 |
| /operating_model/cells/downside_2027q4_operating_income:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2027q4_operating_income:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_operating_income:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q4_operating_income:downside/formula/refs/0 | None | downside_2027q4_adj_ebitda |
| /operating_model/cells/downside_2027q4_operating_income:downside/formula/refs/1 | None | downside_2027q4_gaap_adjustments |
| /operating_model/cells/downside_2027q4_operating_income:downside/id | None | downside_2027q4_operating_income |
| /operating_model/cells/downside_2027q4_operating_income:downside/kind | None | derived |
| /operating_model/cells/downside_2027q4_operating_income:downside/label | None | Operating income proxy |
| /operating_model/cells/downside_2027q4_operating_income:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_operating_income:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_operating_income:downside/value | None | 6.197999999999865 |
| /operating_model/cells/downside_2027q4_other_risk:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q4_other_risk:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_other_risk:downside/id | None | downside_2027q4_other_risk |
| /operating_model/cells/downside_2027q4_other_risk:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q4_other_risk:downside/label | None | Other lending, dispute and risk cost |
| /operating_model/cells/downside_2027q4_other_risk:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_other_risk:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_other_risk:downside/value | None | 86.67 |
| /operating_model/cells/downside_2027q4_payment_yield:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q4_payment_yield:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_payment_yield:downside/id | None | downside_2027q4_payment_yield |
| /operating_model/cells/downside_2027q4_payment_yield:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q4_payment_yield:downside/label | None | Net payments yield |
| /operating_model/cells/downside_2027q4_payment_yield:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_payment_yield:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q4_payment_yield:downside/value | None | 0.011443298969072166 |
| /operating_model/cells/downside_2027q4_payments:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2027q4_payments:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_payments:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2027q4_payments:downside/formula/refs/0 | None | downside_2027q4_purchase_volume |
| /operating_model/cells/downside_2027q4_payments:downside/formula/refs/1 | None | downside_2027q4_payment_yield |
| /operating_model/cells/downside_2027q4_payments:downside/id | None | downside_2027q4_payments |
| /operating_model/cells/downside_2027q4_payments:downside/kind | None | derived |
| /operating_model/cells/downside_2027q4_payments:downside/label | None | Payments revenue |
| /operating_model/cells/downside_2027q4_payments:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_payments:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_payments:downside/value | None | 516.15 |
| /operating_model/cells/downside_2027q4_platform:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2027q4_platform:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_platform:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2027q4_platform:downside/formula/refs/0 | None | q2_platform |
| /operating_model/cells/downside_2027q4_platform:downside/formula/refs/1 | None | downside_2027q4_member_index |
| /operating_model/cells/downside_2027q4_platform:downside/formula/refs/2 | None | downside_2027q4_platform_monetization |
| /operating_model/cells/downside_2027q4_platform:downside/id | None | downside_2027q4_platform |
| /operating_model/cells/downside_2027q4_platform:downside/kind | None | derived |
| /operating_model/cells/downside_2027q4_platform:downside/label | None | Platform revenue |
| /operating_model/cells/downside_2027q4_platform:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_platform:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_platform:downside/value | None | 348.75 |
| /operating_model/cells/downside_2027q4_platform_monetization:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q4_platform_monetization:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_platform_monetization:downside/id | None | downside_2027q4_platform_monetization |
| /operating_model/cells/downside_2027q4_platform_monetization:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q4_platform_monetization:downside/label | None | Platform monetization index |
| /operating_model/cells/downside_2027q4_platform_monetization:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_platform_monetization:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q4_platform_monetization:downside/value | None | 1.2649626033528856 |
| /operating_model/cells/downside_2027q4_purchase_volume:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q4_purchase_volume:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_purchase_volume:downside/id | None | downside_2027q4_purchase_volume |
| /operating_model/cells/downside_2027q4_purchase_volume:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q4_purchase_volume:downside/label | None | Purchase volume |
| /operating_model/cells/downside_2027q4_purchase_volume:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_purchase_volume:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_purchase_volume:downside/value | None | 45105.0 |
| /operating_model/cells/downside_2027q4_revenue:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2027q4_revenue:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_revenue:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q4_revenue:downside/formula/refs/0 | None | downside_2027q4_payments |
| /operating_model/cells/downside_2027q4_revenue:downside/formula/refs/1 | None | downside_2027q4_platform |
| /operating_model/cells/downside_2027q4_revenue:downside/id | None | downside_2027q4_revenue |
| /operating_model/cells/downside_2027q4_revenue:downside/kind | None | derived |
| /operating_model/cells/downside_2027q4_revenue:downside/label | None | Revenue |
| /operating_model/cells/downside_2027q4_revenue:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_revenue:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_revenue:downside/value | None | 864.9 |
| /operating_model/cells/downside_2027q4_risk:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2027q4_risk:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_risk:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q4_risk:downside/formula/refs/0 | None | downside_2027q4_mypay_losses |
| /operating_model/cells/downside_2027q4_risk:downside/formula/refs/1 | None | downside_2027q4_other_risk |
| /operating_model/cells/downside_2027q4_risk:downside/id | None | downside_2027q4_risk |
| /operating_model/cells/downside_2027q4_risk:downside/kind | None | derived |
| /operating_model/cells/downside_2027q4_risk:downside/label | None | Transaction and risk loss allowance |
| /operating_model/cells/downside_2027q4_risk:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_risk:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_risk:downside/value | None | 172.602 |
| /operating_model/cells/downside_2027q4_sbc:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q4_sbc:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_sbc:downside/id | None | downside_2027q4_sbc |
| /operating_model/cells/downside_2027q4_sbc:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q4_sbc:downside/label | None | Total SBC and stock charitable cost |
| /operating_model/cells/downside_2027q4_sbc:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_sbc:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_sbc:downside/value | None | 92.0 |
| /operating_model/cells/downside_2027q4_stride_closing:downside/basis | None | Conditional quarter placement; expected H1 2027, downside assumes delay. No acquired operations or synergy booked. |
| /operating_model/cells/downside_2027q4_stride_closing:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_stride_closing:downside/id | None | downside_2027q4_stride_closing |
| /operating_model/cells/downside_2027q4_stride_closing:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q4_stride_closing:downside/label | None | Stride closing switch |
| /operating_model/cells/downside_2027q4_stride_closing:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_stride_closing:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q4_stride_closing:downside/value | None | 1.0 |
| /operating_model/cells/downside_2027q4_transaction_profit:downside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/downside_2027q4_transaction_profit:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_transaction_profit:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q4_transaction_profit:downside/formula/refs/0 | None | downside_2027q4_gross_profit |
| /operating_model/cells/downside_2027q4_transaction_profit:downside/formula/refs/1 | None | downside_2027q4_risk |
| /operating_model/cells/downside_2027q4_transaction_profit:downside/id | None | downside_2027q4_transaction_profit |
| /operating_model/cells/downside_2027q4_transaction_profit:downside/kind | None | derived |
| /operating_model/cells/downside_2027q4_transaction_profit:downside/label | None | Transaction profit |
| /operating_model/cells/downside_2027q4_transaction_profit:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_transaction_profit:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_transaction_profit:downside/value | None | 597.159 |
| /operating_model/cells/downside_2027q4_wc:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q4_wc:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_wc:downside/id | None | downside_2027q4_wc |
| /operating_model/cells/downside_2027q4_wc:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q4_wc:downside/label | None | Product collateral and net operating working-capital use |
| /operating_model/cells/downside_2027q4_wc:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_wc:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_wc:downside/value | None | 40.0 |
| /operating_model/cells/downside_fy2026_acquisition_cash:downside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/downside_fy2026_acquisition_cash:downside/case | None | downside |
| /operating_model/cells/downside_fy2026_acquisition_cash:downside/formula/op | None | sum |
| /operating_model/cells/downside_fy2026_acquisition_cash:downside/formula/refs/0 | None | h1_acquisition_cash |
| /operating_model/cells/downside_fy2026_acquisition_cash:downside/formula/refs/1 | None | downside_2026q3_acquisition_cash |
| /operating_model/cells/downside_fy2026_acquisition_cash:downside/formula/refs/2 | None | downside_2026q4_acquisition_cash |
| /operating_model/cells/downside_fy2026_acquisition_cash:downside/id | None | downside_fy2026_acquisition_cash |
| /operating_model/cells/downside_fy2026_acquisition_cash:downside/kind | None | derived |
| /operating_model/cells/downside_fy2026_acquisition_cash:downside/label | None | Conditional Stride cash price ($M) |
| /operating_model/cells/downside_fy2026_acquisition_cash:downside/period | None | FY2026 |
| /operating_model/cells/downside_fy2026_acquisition_cash:downside/unit | None | USD_millions |
| /operating_model/cells/downside_fy2026_acquisition_cash:downside/value | None | 0.0 |
| /operating_model/cells/downside_fy2026_adj_ebitda:downside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/downside_fy2026_adj_ebitda:downside/case | None | downside |
| /operating_model/cells/downside_fy2026_adj_ebitda:downside/formula/op | None | sum |
| /operating_model/cells/downside_fy2026_adj_ebitda:downside/formula/refs/0 | None | h1_adj_ebitda |
| /operating_model/cells/downside_fy2026_adj_ebitda:downside/formula/refs/1 | None | downside_2026q3_adj_ebitda |
| /operating_model/cells/downside_fy2026_adj_ebitda:downside/formula/refs/2 | None | downside_2026q4_adj_ebitda |
| /operating_model/cells/downside_fy2026_adj_ebitda:downside/id | None | downside_fy2026_adj_ebitda |
| /operating_model/cells/downside_fy2026_adj_ebitda:downside/kind | None | derived |
| /operating_model/cells/downside_fy2026_adj_ebitda:downside/label | None | Adjusted EBITDA proxy ($M) |
| /operating_model/cells/downside_fy2026_adj_ebitda:downside/period | None | FY2026 |
| /operating_model/cells/downside_fy2026_adj_ebitda:downside/unit | None | USD_millions |
| /operating_model/cells/downside_fy2026_adj_ebitda:downside/value | None | 289.9113930000001 |
| /operating_model/cells/downside_fy2026_capex:downside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/downside_fy2026_capex:downside/case | None | downside |
| /operating_model/cells/downside_fy2026_capex:downside/formula/op | None | sum |
| /operating_model/cells/downside_fy2026_capex:downside/formula/refs/0 | None | h1_capex |
| /operating_model/cells/downside_fy2026_capex:downside/formula/refs/1 | None | downside_2026q3_capex |
| /operating_model/cells/downside_fy2026_capex:downside/formula/refs/2 | None | downside_2026q4_capex |
| /operating_model/cells/downside_fy2026_capex:downside/id | None | downside_fy2026_capex |
| /operating_model/cells/downside_fy2026_capex:downside/kind | None | derived |
| /operating_model/cells/downside_fy2026_capex:downside/label | None | PP&E and software cash ($M) |
| /operating_model/cells/downside_fy2026_capex:downside/period | None | FY2026 |
| /operating_model/cells/downside_fy2026_capex:downside/unit | None | USD_millions |
| /operating_model/cells/downside_fy2026_capex:downside/value | None | 38.391999999999996 |
| /operating_model/cells/downside_fy2026_cash_after_acquisition:downside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/downside_fy2026_cash_after_acquisition:downside/case | None | downside |
| /operating_model/cells/downside_fy2026_cash_after_acquisition:downside/formula/op | None | sum |
| /operating_model/cells/downside_fy2026_cash_after_acquisition:downside/formula/refs/0 | None | h1_cash_after_acquisition |
| /operating_model/cells/downside_fy2026_cash_after_acquisition:downside/formula/refs/1 | None | downside_2026q3_cash_after_acquisition |
| /operating_model/cells/downside_fy2026_cash_after_acquisition:downside/formula/refs/2 | None | downside_2026q4_cash_after_acquisition |
| /operating_model/cells/downside_fy2026_cash_after_acquisition:downside/id | None | downside_fy2026_cash_after_acquisition |
| /operating_model/cells/downside_fy2026_cash_after_acquisition:downside/kind | None | derived |
| /operating_model/cells/downside_fy2026_cash_after_acquisition:downside/label | None | Cash after conditional acquisition ($M) |
| /operating_model/cells/downside_fy2026_cash_after_acquisition:downside/period | None | FY2026 |
| /operating_model/cells/downside_fy2026_cash_after_acquisition:downside/unit | None | USD_millions |
| /operating_model/cells/downside_fy2026_cash_after_acquisition:downside/value | None | 132.36139300000008 |
| /operating_model/cells/downside_fy2026_cash_after_funding:downside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/downside_fy2026_cash_after_funding:downside/case | None | downside |
| /operating_model/cells/downside_fy2026_cash_after_funding:downside/formula/op | None | sum |
| /operating_model/cells/downside_fy2026_cash_after_funding:downside/formula/refs/0 | None | h1_cash_after_funding |
| /operating_model/cells/downside_fy2026_cash_after_funding:downside/formula/refs/1 | None | downside_2026q3_cash_after_funding |
| /operating_model/cells/downside_fy2026_cash_after_funding:downside/formula/refs/2 | None | downside_2026q4_cash_after_funding |
| /operating_model/cells/downside_fy2026_cash_after_funding:downside/id | None | downside_fy2026_cash_after_funding |
| /operating_model/cells/downside_fy2026_cash_after_funding:downside/kind | None | derived |
| /operating_model/cells/downside_fy2026_cash_after_funding:downside/label | None | Cash after loans and capex ($M) |
| /operating_model/cells/downside_fy2026_cash_after_funding:downside/period | None | FY2026 |
| /operating_model/cells/downside_fy2026_cash_after_funding:downside/unit | None | USD_millions |
| /operating_model/cells/downside_fy2026_cash_after_funding:downside/value | None | 132.36139300000008 |
| /operating_model/cells/downside_fy2026_cfo:downside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/downside_fy2026_cfo:downside/case | None | downside |
| /operating_model/cells/downside_fy2026_cfo:downside/formula/op | None | sum |
| /operating_model/cells/downside_fy2026_cfo:downside/formula/refs/0 | None | h1_cfo |
| /operating_model/cells/downside_fy2026_cfo:downside/formula/refs/1 | None | downside_2026q3_cfo |
| /operating_model/cells/downside_fy2026_cfo:downside/formula/refs/2 | None | downside_2026q4_cfo |
| /operating_model/cells/downside_fy2026_cfo:downside/id | None | downside_fy2026_cfo |
| /operating_model/cells/downside_fy2026_cfo:downside/kind | None | derived |
| /operating_model/cells/downside_fy2026_cfo:downside/label | None | Operating cash flow proxy ($M) |
| /operating_model/cells/downside_fy2026_cfo:downside/period | None | FY2026 |
| /operating_model/cells/downside_fy2026_cfo:downside/unit | None | USD_millions |
| /operating_model/cells/downside_fy2026_cfo:downside/value | None | 329.6513930000001 |
| /operating_model/cells/downside_fy2026_net_loan_funding:downside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/downside_fy2026_net_loan_funding:downside/case | None | downside |
| /operating_model/cells/downside_fy2026_net_loan_funding:downside/formula/op | None | sum |
| /operating_model/cells/downside_fy2026_net_loan_funding:downside/formula/refs/0 | None | h1_net_loan_funding |
| /operating_model/cells/downside_fy2026_net_loan_funding:downside/formula/refs/1 | None | downside_2026q3_net_loan_funding |
| /operating_model/cells/downside_fy2026_net_loan_funding:downside/formula/refs/2 | None | downside_2026q4_net_loan_funding |
| /operating_model/cells/downside_fy2026_net_loan_funding:downside/id | None | downside_fy2026_net_loan_funding |
| /operating_model/cells/downside_fy2026_net_loan_funding:downside/kind | None | derived |
| /operating_model/cells/downside_fy2026_net_loan_funding:downside/label | None | Loan purchases less repayments ($M) |
| /operating_model/cells/downside_fy2026_net_loan_funding:downside/period | None | FY2026 |
| /operating_model/cells/downside_fy2026_net_loan_funding:downside/unit | None | USD_millions |
| /operating_model/cells/downside_fy2026_net_loan_funding:downside/value | None | 158.898 |
| /operating_model/cells/downside_fy2026_operating_income:downside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/downside_fy2026_operating_income:downside/case | None | downside |
| /operating_model/cells/downside_fy2026_operating_income:downside/formula/op | None | sum |
| /operating_model/cells/downside_fy2026_operating_income:downside/formula/refs/0 | None | h1_operating_income |
| /operating_model/cells/downside_fy2026_operating_income:downside/formula/refs/1 | None | downside_2026q3_operating_income |
| /operating_model/cells/downside_fy2026_operating_income:downside/formula/refs/2 | None | downside_2026q4_operating_income |
| /operating_model/cells/downside_fy2026_operating_income:downside/id | None | downside_fy2026_operating_income |
| /operating_model/cells/downside_fy2026_operating_income:downside/kind | None | derived |
| /operating_model/cells/downside_fy2026_operating_income:downside/label | None | Operating income proxy ($M) |
| /operating_model/cells/downside_fy2026_operating_income:downside/period | None | FY2026 |
| /operating_model/cells/downside_fy2026_operating_income:downside/unit | None | USD_millions |
| /operating_model/cells/downside_fy2026_operating_income:downside/value | None | -31.81960699999992 |
| /operating_model/cells/downside_fy2026_payments:downside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/downside_fy2026_payments:downside/case | None | downside |
| /operating_model/cells/downside_fy2026_payments:downside/formula/op | None | sum |
| /operating_model/cells/downside_fy2026_payments:downside/formula/refs/0 | None | h1_payments |
| /operating_model/cells/downside_fy2026_payments:downside/formula/refs/1 | None | downside_2026q3_payments |
| /operating_model/cells/downside_fy2026_payments:downside/formula/refs/2 | None | downside_2026q4_payments |
| /operating_model/cells/downside_fy2026_payments:downside/id | None | downside_fy2026_payments |
| /operating_model/cells/downside_fy2026_payments:downside/kind | None | derived |
| /operating_model/cells/downside_fy2026_payments:downside/label | None | Payments revenue ($M) |
| /operating_model/cells/downside_fy2026_payments:downside/period | None | FY2026 |
| /operating_model/cells/downside_fy2026_payments:downside/unit | None | USD_millions |
| /operating_model/cells/downside_fy2026_payments:downside/value | None | 1718.273 |
| /operating_model/cells/downside_fy2026_platform:downside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/downside_fy2026_platform:downside/case | None | downside |
| /operating_model/cells/downside_fy2026_platform:downside/formula/op | None | sum |
| /operating_model/cells/downside_fy2026_platform:downside/formula/refs/0 | None | h1_platform |
| /operating_model/cells/downside_fy2026_platform:downside/formula/refs/1 | None | downside_2026q3_platform |
| /operating_model/cells/downside_fy2026_platform:downside/formula/refs/2 | None | downside_2026q4_platform |
| /operating_model/cells/downside_fy2026_platform:downside/id | None | downside_fy2026_platform |
| /operating_model/cells/downside_fy2026_platform:downside/kind | None | derived |
| /operating_model/cells/downside_fy2026_platform:downside/label | None | Platform revenue ($M) |
| /operating_model/cells/downside_fy2026_platform:downside/period | None | FY2026 |
| /operating_model/cells/downside_fy2026_platform:downside/unit | None | USD_millions |
| /operating_model/cells/downside_fy2026_platform:downside/value | None | 945.3778500000001 |
| /operating_model/cells/downside_fy2026_revenue:downside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/downside_fy2026_revenue:downside/case | None | downside |
| /operating_model/cells/downside_fy2026_revenue:downside/formula/op | None | sum |
| /operating_model/cells/downside_fy2026_revenue:downside/formula/refs/0 | None | h1_revenue |
| /operating_model/cells/downside_fy2026_revenue:downside/formula/refs/1 | None | downside_2026q3_revenue |
| /operating_model/cells/downside_fy2026_revenue:downside/formula/refs/2 | None | downside_2026q4_revenue |
| /operating_model/cells/downside_fy2026_revenue:downside/id | None | downside_fy2026_revenue |
| /operating_model/cells/downside_fy2026_revenue:downside/kind | None | derived |
| /operating_model/cells/downside_fy2026_revenue:downside/label | None | Revenue ($M) |
| /operating_model/cells/downside_fy2026_revenue:downside/period | None | FY2026 |
| /operating_model/cells/downside_fy2026_revenue:downside/unit | None | USD_millions |
| /operating_model/cells/downside_fy2026_revenue:downside/value | None | 2663.65085 |
| /operating_model/cells/downside_fy2026_transaction_profit:downside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/downside_fy2026_transaction_profit:downside/case | None | downside |
| /operating_model/cells/downside_fy2026_transaction_profit:downside/formula/op | None | sum |
| /operating_model/cells/downside_fy2026_transaction_profit:downside/formula/refs/0 | None | h1_transaction_profit |
| /operating_model/cells/downside_fy2026_transaction_profit:downside/formula/refs/1 | None | downside_2026q3_transaction_profit |
| /operating_model/cells/downside_fy2026_transaction_profit:downside/formula/refs/2 | None | downside_2026q4_transaction_profit |
| /operating_model/cells/downside_fy2026_transaction_profit:downside/id | None | downside_fy2026_transaction_profit |
| /operating_model/cells/downside_fy2026_transaction_profit:downside/kind | None | derived |
| /operating_model/cells/downside_fy2026_transaction_profit:downside/label | None | Transaction profit proxy ($M) |
| /operating_model/cells/downside_fy2026_transaction_profit:downside/period | None | FY2026 |
| /operating_model/cells/downside_fy2026_transaction_profit:downside/unit | None | USD_millions |
| /operating_model/cells/downside_fy2026_transaction_profit:downside/value | None | 1909.3293065 |
| /operating_model/cells/downside_fy2027_acquisition_cash:downside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/downside_fy2027_acquisition_cash:downside/case | None | downside |
| /operating_model/cells/downside_fy2027_acquisition_cash:downside/formula/op | None | sum |
| /operating_model/cells/downside_fy2027_acquisition_cash:downside/formula/refs/0 | None | downside_2027q1_acquisition_cash |
| /operating_model/cells/downside_fy2027_acquisition_cash:downside/formula/refs/1 | None | downside_2027q2_acquisition_cash |
| /operating_model/cells/downside_fy2027_acquisition_cash:downside/formula/refs/2 | None | downside_2027q3_acquisition_cash |
| /operating_model/cells/downside_fy2027_acquisition_cash:downside/formula/refs/3 | None | downside_2027q4_acquisition_cash |
| /operating_model/cells/downside_fy2027_acquisition_cash:downside/id | None | downside_fy2027_acquisition_cash |
| /operating_model/cells/downside_fy2027_acquisition_cash:downside/kind | None | derived |
| /operating_model/cells/downside_fy2027_acquisition_cash:downside/label | None | Conditional Stride cash price ($M) |
| /operating_model/cells/downside_fy2027_acquisition_cash:downside/period | None | FY2027 |
| /operating_model/cells/downside_fy2027_acquisition_cash:downside/unit | None | USD_millions |
| /operating_model/cells/downside_fy2027_acquisition_cash:downside/value | None | 590.0 |
| /operating_model/cells/downside_fy2027_adj_ebitda:downside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/downside_fy2027_adj_ebitda:downside/case | None | downside |
| /operating_model/cells/downside_fy2027_adj_ebitda:downside/formula/op | None | sum |
| /operating_model/cells/downside_fy2027_adj_ebitda:downside/formula/refs/0 | None | downside_2027q1_adj_ebitda |
| /operating_model/cells/downside_fy2027_adj_ebitda:downside/formula/refs/1 | None | downside_2027q2_adj_ebitda |
| /operating_model/cells/downside_fy2027_adj_ebitda:downside/formula/refs/2 | None | downside_2027q3_adj_ebitda |
| /operating_model/cells/downside_fy2027_adj_ebitda:downside/formula/refs/3 | None | downside_2027q4_adj_ebitda |
| /operating_model/cells/downside_fy2027_adj_ebitda:downside/id | None | downside_fy2027_adj_ebitda |
| /operating_model/cells/downside_fy2027_adj_ebitda:downside/kind | None | derived |
| /operating_model/cells/downside_fy2027_adj_ebitda:downside/label | None | Adjusted EBITDA proxy ($M) |
| /operating_model/cells/downside_fy2027_adj_ebitda:downside/period | None | FY2027 |
| /operating_model/cells/downside_fy2027_adj_ebitda:downside/unit | None | USD_millions |
| /operating_model/cells/downside_fy2027_adj_ebitda:downside/value | None | 358.58499999999964 |
| /operating_model/cells/downside_fy2027_capex:downside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/downside_fy2027_capex:downside/case | None | downside |
| /operating_model/cells/downside_fy2027_capex:downside/formula/op | None | sum |
| /operating_model/cells/downside_fy2027_capex:downside/formula/refs/0 | None | downside_2027q1_capex |
| /operating_model/cells/downside_fy2027_capex:downside/formula/refs/1 | None | downside_2027q2_capex |
| /operating_model/cells/downside_fy2027_capex:downside/formula/refs/2 | None | downside_2027q3_capex |
| /operating_model/cells/downside_fy2027_capex:downside/formula/refs/3 | None | downside_2027q4_capex |
| /operating_model/cells/downside_fy2027_capex:downside/id | None | downside_fy2027_capex |
| /operating_model/cells/downside_fy2027_capex:downside/kind | None | derived |
| /operating_model/cells/downside_fy2027_capex:downside/label | None | PP&E and software cash ($M) |
| /operating_model/cells/downside_fy2027_capex:downside/period | None | FY2027 |
| /operating_model/cells/downside_fy2027_capex:downside/unit | None | USD_millions |
| /operating_model/cells/downside_fy2027_capex:downside/value | None | 54.0 |
| /operating_model/cells/downside_fy2027_cash_after_acquisition:downside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/downside_fy2027_cash_after_acquisition:downside/case | None | downside |
| /operating_model/cells/downside_fy2027_cash_after_acquisition:downside/formula/op | None | sum |
| /operating_model/cells/downside_fy2027_cash_after_acquisition:downside/formula/refs/0 | None | downside_2027q1_cash_after_acquisition |
| /operating_model/cells/downside_fy2027_cash_after_acquisition:downside/formula/refs/1 | None | downside_2027q2_cash_after_acquisition |
| /operating_model/cells/downside_fy2027_cash_after_acquisition:downside/formula/refs/2 | None | downside_2027q3_cash_after_acquisition |
| /operating_model/cells/downside_fy2027_cash_after_acquisition:downside/formula/refs/3 | None | downside_2027q4_cash_after_acquisition |
| /operating_model/cells/downside_fy2027_cash_after_acquisition:downside/id | None | downside_fy2027_cash_after_acquisition |
| /operating_model/cells/downside_fy2027_cash_after_acquisition:downside/kind | None | derived |
| /operating_model/cells/downside_fy2027_cash_after_acquisition:downside/label | None | Cash after conditional acquisition ($M) |
| /operating_model/cells/downside_fy2027_cash_after_acquisition:downside/period | None | FY2027 |
| /operating_model/cells/downside_fy2027_cash_after_acquisition:downside/unit | None | USD_millions |
| /operating_model/cells/downside_fy2027_cash_after_acquisition:downside/value | None | -742.4150000000004 |
| /operating_model/cells/downside_fy2027_cash_after_funding:downside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/downside_fy2027_cash_after_funding:downside/case | None | downside |
| /operating_model/cells/downside_fy2027_cash_after_funding:downside/formula/op | None | sum |
| /operating_model/cells/downside_fy2027_cash_after_funding:downside/formula/refs/0 | None | downside_2027q1_cash_after_funding |
| /operating_model/cells/downside_fy2027_cash_after_funding:downside/formula/refs/1 | None | downside_2027q2_cash_after_funding |
| /operating_model/cells/downside_fy2027_cash_after_funding:downside/formula/refs/2 | None | downside_2027q3_cash_after_funding |
| /operating_model/cells/downside_fy2027_cash_after_funding:downside/formula/refs/3 | None | downside_2027q4_cash_after_funding |
| /operating_model/cells/downside_fy2027_cash_after_funding:downside/id | None | downside_fy2027_cash_after_funding |
| /operating_model/cells/downside_fy2027_cash_after_funding:downside/kind | None | derived |
| /operating_model/cells/downside_fy2027_cash_after_funding:downside/label | None | Cash after loans and capex ($M) |
| /operating_model/cells/downside_fy2027_cash_after_funding:downside/period | None | FY2027 |
| /operating_model/cells/downside_fy2027_cash_after_funding:downside/unit | None | USD_millions |
| /operating_model/cells/downside_fy2027_cash_after_funding:downside/value | None | -152.41500000000036 |
| /operating_model/cells/downside_fy2027_cfo:downside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/downside_fy2027_cfo:downside/case | None | downside |
| /operating_model/cells/downside_fy2027_cfo:downside/formula/op | None | sum |
| /operating_model/cells/downside_fy2027_cfo:downside/formula/refs/0 | None | downside_2027q1_cfo |
| /operating_model/cells/downside_fy2027_cfo:downside/formula/refs/1 | None | downside_2027q2_cfo |
| /operating_model/cells/downside_fy2027_cfo:downside/formula/refs/2 | None | downside_2027q3_cfo |
| /operating_model/cells/downside_fy2027_cfo:downside/formula/refs/3 | None | downside_2027q4_cfo |
| /operating_model/cells/downside_fy2027_cfo:downside/id | None | downside_fy2027_cfo |
| /operating_model/cells/downside_fy2027_cfo:downside/kind | None | derived |
| /operating_model/cells/downside_fy2027_cfo:downside/label | None | Operating cash flow proxy ($M) |
| /operating_model/cells/downside_fy2027_cfo:downside/period | None | FY2027 |
| /operating_model/cells/downside_fy2027_cfo:downside/unit | None | USD_millions |
| /operating_model/cells/downside_fy2027_cfo:downside/value | None | 195.58499999999964 |
| /operating_model/cells/downside_fy2027_net_loan_funding:downside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/downside_fy2027_net_loan_funding:downside/case | None | downside |
| /operating_model/cells/downside_fy2027_net_loan_funding:downside/formula/op | None | sum |
| /operating_model/cells/downside_fy2027_net_loan_funding:downside/formula/refs/0 | None | downside_2027q1_net_loan_funding |
| /operating_model/cells/downside_fy2027_net_loan_funding:downside/formula/refs/1 | None | downside_2027q2_net_loan_funding |
| /operating_model/cells/downside_fy2027_net_loan_funding:downside/formula/refs/2 | None | downside_2027q3_net_loan_funding |
| /operating_model/cells/downside_fy2027_net_loan_funding:downside/formula/refs/3 | None | downside_2027q4_net_loan_funding |
| /operating_model/cells/downside_fy2027_net_loan_funding:downside/id | None | downside_fy2027_net_loan_funding |
| /operating_model/cells/downside_fy2027_net_loan_funding:downside/kind | None | derived |
| /operating_model/cells/downside_fy2027_net_loan_funding:downside/label | None | Loan purchases less repayments ($M) |
| /operating_model/cells/downside_fy2027_net_loan_funding:downside/period | None | FY2027 |
| /operating_model/cells/downside_fy2027_net_loan_funding:downside/unit | None | USD_millions |
| /operating_model/cells/downside_fy2027_net_loan_funding:downside/value | None | 294.0 |
| /operating_model/cells/downside_fy2027_operating_income:downside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/downside_fy2027_operating_income:downside/case | None | downside |
| /operating_model/cells/downside_fy2027_operating_income:downside/formula/op | None | sum |
| /operating_model/cells/downside_fy2027_operating_income:downside/formula/refs/0 | None | downside_2027q1_operating_income |
| /operating_model/cells/downside_fy2027_operating_income:downside/formula/refs/1 | None | downside_2027q2_operating_income |
| /operating_model/cells/downside_fy2027_operating_income:downside/formula/refs/2 | None | downside_2027q3_operating_income |
| /operating_model/cells/downside_fy2027_operating_income:downside/formula/refs/3 | None | downside_2027q4_operating_income |
| /operating_model/cells/downside_fy2027_operating_income:downside/id | None | downside_fy2027_operating_income |
| /operating_model/cells/downside_fy2027_operating_income:downside/kind | None | derived |
| /operating_model/cells/downside_fy2027_operating_income:downside/label | None | Operating income proxy ($M) |
| /operating_model/cells/downside_fy2027_operating_income:downside/period | None | FY2027 |
| /operating_model/cells/downside_fy2027_operating_income:downside/unit | None | USD_millions |
| /operating_model/cells/downside_fy2027_operating_income:downside/value | None | -39.41500000000036 |
| /operating_model/cells/downside_fy2027_payments:downside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/downside_fy2027_payments:downside/case | None | downside |
| /operating_model/cells/downside_fy2027_payments:downside/formula/op | None | sum |
| /operating_model/cells/downside_fy2027_payments:downside/formula/refs/0 | None | downside_2027q1_payments |
| /operating_model/cells/downside_fy2027_payments:downside/formula/refs/1 | None | downside_2027q2_payments |
| /operating_model/cells/downside_fy2027_payments:downside/formula/refs/2 | None | downside_2027q3_payments |
| /operating_model/cells/downside_fy2027_payments:downside/formula/refs/3 | None | downside_2027q4_payments |
| /operating_model/cells/downside_fy2027_payments:downside/id | None | downside_fy2027_payments |
| /operating_model/cells/downside_fy2027_payments:downside/kind | None | derived |
| /operating_model/cells/downside_fy2027_payments:downside/label | None | Payments revenue ($M) |
| /operating_model/cells/downside_fy2027_payments:downside/period | None | FY2027 |
| /operating_model/cells/downside_fy2027_payments:downside/unit | None | USD_millions |
| /operating_model/cells/downside_fy2027_payments:downside/value | None | 1920.4500000000003 |
| /operating_model/cells/downside_fy2027_platform:downside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/downside_fy2027_platform:downside/case | None | downside |
| /operating_model/cells/downside_fy2027_platform:downside/formula/op | None | sum |
| /operating_model/cells/downside_fy2027_platform:downside/formula/refs/0 | None | downside_2027q1_platform |
| /operating_model/cells/downside_fy2027_platform:downside/formula/refs/1 | None | downside_2027q2_platform |
| /operating_model/cells/downside_fy2027_platform:downside/formula/refs/2 | None | downside_2027q3_platform |
| /operating_model/cells/downside_fy2027_platform:downside/formula/refs/3 | None | downside_2027q4_platform |
| /operating_model/cells/downside_fy2027_platform:downside/id | None | downside_fy2027_platform |
| /operating_model/cells/downside_fy2027_platform:downside/kind | None | derived |
| /operating_model/cells/downside_fy2027_platform:downside/label | None | Platform revenue ($M) |
| /operating_model/cells/downside_fy2027_platform:downside/period | None | FY2027 |
| /operating_model/cells/downside_fy2027_platform:downside/unit | None | USD_millions |
| /operating_model/cells/downside_fy2027_platform:downside/value | None | 1264.8 |
| /operating_model/cells/downside_fy2027_revenue:downside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/downside_fy2027_revenue:downside/case | None | downside |
| /operating_model/cells/downside_fy2027_revenue:downside/formula/op | None | sum |
| /operating_model/cells/downside_fy2027_revenue:downside/formula/refs/0 | None | downside_2027q1_revenue |
| /operating_model/cells/downside_fy2027_revenue:downside/formula/refs/1 | None | downside_2027q2_revenue |
| /operating_model/cells/downside_fy2027_revenue:downside/formula/refs/2 | None | downside_2027q3_revenue |
| /operating_model/cells/downside_fy2027_revenue:downside/formula/refs/3 | None | downside_2027q4_revenue |
| /operating_model/cells/downside_fy2027_revenue:downside/id | None | downside_fy2027_revenue |
| /operating_model/cells/downside_fy2027_revenue:downside/kind | None | derived |
| /operating_model/cells/downside_fy2027_revenue:downside/label | None | Revenue ($M) |
| /operating_model/cells/downside_fy2027_revenue:downside/period | None | FY2027 |
| /operating_model/cells/downside_fy2027_revenue:downside/unit | None | USD_millions |
| /operating_model/cells/downside_fy2027_revenue:downside/value | None | 3185.25 |
| /operating_model/cells/downside_fy2027_transaction_profit:downside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/downside_fy2027_transaction_profit:downside/case | None | downside |
| /operating_model/cells/downside_fy2027_transaction_profit:downside/formula/op | None | sum |
| /operating_model/cells/downside_fy2027_transaction_profit:downside/formula/refs/0 | None | downside_2027q1_transaction_profit |
| /operating_model/cells/downside_fy2027_transaction_profit:downside/formula/refs/1 | None | downside_2027q2_transaction_profit |
| /operating_model/cells/downside_fy2027_transaction_profit:downside/formula/refs/2 | None | downside_2027q3_transaction_profit |
| /operating_model/cells/downside_fy2027_transaction_profit:downside/formula/refs/3 | None | downside_2027q4_transaction_profit |
| /operating_model/cells/downside_fy2027_transaction_profit:downside/id | None | downside_fy2027_transaction_profit |
| /operating_model/cells/downside_fy2027_transaction_profit:downside/kind | None | derived |
| /operating_model/cells/downside_fy2027_transaction_profit:downside/label | None | Transaction profit proxy ($M) |
| /operating_model/cells/downside_fy2027_transaction_profit:downside/period | None | FY2027 |
| /operating_model/cells/downside_fy2027_transaction_profit:downside/unit | None | USD_millions |
| /operating_model/cells/downside_fy2027_transaction_profit:downside/value | None | 2194.9725 |
| /operating_model/cells/fy26_ebitda_guide:shared/basis | None | Calculated midpoint of the company range; not an additional company forecast. |
| /operating_model/cells/fy26_ebitda_guide:shared/case | None | shared |
| /operating_model/cells/fy26_ebitda_guide:shared/formula/op | None | divide |
| /operating_model/cells/fy26_ebitda_guide:shared/formula/refs/0 | None | fy26_ebitda_guide_sum |
| /operating_model/cells/fy26_ebitda_guide:shared/formula/refs/1 | None | two |
| /operating_model/cells/fy26_ebitda_guide:shared/id | None | fy26_ebitda_guide |
| /operating_model/cells/fy26_ebitda_guide:shared/kind | None | derived |
| /operating_model/cells/fy26_ebitda_guide:shared/label | None | Revised FY2026 adjusted EBITDA midpoint |
| /operating_model/cells/fy26_ebitda_guide:shared/period | None | FY2026 |
| /operating_model/cells/fy26_ebitda_guide:shared/unit | None | USD_millions |
| /operating_model/cells/fy26_ebitda_guide:shared/value | None | 485.0 |
| /operating_model/cells/fy26_ebitda_guide_high:shared/basis | None | Company guidance; not a desk forecast. |
| /operating_model/cells/fy26_ebitda_guide_high:shared/case | None | shared |
| /operating_model/cells/fy26_ebitda_guide_high:shared/id | None | fy26_ebitda_guide_high |
| /operating_model/cells/fy26_ebitda_guide_high:shared/kind | None | management_guidance |
| /operating_model/cells/fy26_ebitda_guide_high:shared/label | None | Revised FY2026 adjusted EBITDA high |
| /operating_model/cells/fy26_ebitda_guide_high:shared/period | None | FY2026 |
| /operating_model/cells/fy26_ebitda_guide_high:shared/source_date | None | 2026-09-08 |
| /operating_model/cells/fy26_ebitda_guide_high:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/1795586/000119312526385383/d948605dex991.htm |
| /operating_model/cells/fy26_ebitda_guide_high:shared/unit | None | USD_millions |
| /operating_model/cells/fy26_ebitda_guide_high:shared/value | None | 489.0 |
| /operating_model/cells/fy26_ebitda_guide_low:shared/basis | None | Company guidance; not a desk forecast. |
| /operating_model/cells/fy26_ebitda_guide_low:shared/case | None | shared |
| /operating_model/cells/fy26_ebitda_guide_low:shared/id | None | fy26_ebitda_guide_low |
| /operating_model/cells/fy26_ebitda_guide_low:shared/kind | None | management_guidance |
| /operating_model/cells/fy26_ebitda_guide_low:shared/label | None | Revised FY2026 adjusted EBITDA low |
| /operating_model/cells/fy26_ebitda_guide_low:shared/period | None | FY2026 |
| /operating_model/cells/fy26_ebitda_guide_low:shared/source_date | None | 2026-09-08 |
| /operating_model/cells/fy26_ebitda_guide_low:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/1795586/000119312526385383/d948605dex991.htm |
| /operating_model/cells/fy26_ebitda_guide_low:shared/unit | None | USD_millions |
| /operating_model/cells/fy26_ebitda_guide_low:shared/value | None | 481.0 |
| /operating_model/cells/fy26_ebitda_guide_sum:shared/basis | None | Arithmetic intermediate. |
| /operating_model/cells/fy26_ebitda_guide_sum:shared/case | None | shared |
| /operating_model/cells/fy26_ebitda_guide_sum:shared/formula/op | None | sum |
| /operating_model/cells/fy26_ebitda_guide_sum:shared/formula/refs/0 | None | fy26_ebitda_guide_low |
| /operating_model/cells/fy26_ebitda_guide_sum:shared/formula/refs/1 | None | fy26_ebitda_guide_high |
| /operating_model/cells/fy26_ebitda_guide_sum:shared/id | None | fy26_ebitda_guide_sum |
| /operating_model/cells/fy26_ebitda_guide_sum:shared/kind | None | derived |
| /operating_model/cells/fy26_ebitda_guide_sum:shared/label | None | Revised FY2026 adjusted EBITDA endpoint sum |
| /operating_model/cells/fy26_ebitda_guide_sum:shared/period | None | FY2026 |
| /operating_model/cells/fy26_ebitda_guide_sum:shared/unit | None | USD_millions |
| /operating_model/cells/fy26_ebitda_guide_sum:shared/value | None | 970.0 |
| /operating_model/cells/fy26_revenue_guide:shared/basis | None | Calculated midpoint of the company range; not an additional company forecast. |
| /operating_model/cells/fy26_revenue_guide:shared/case | None | shared |
| /operating_model/cells/fy26_revenue_guide:shared/formula/op | None | divide |
| /operating_model/cells/fy26_revenue_guide:shared/formula/refs/0 | None | fy26_revenue_guide_sum |
| /operating_model/cells/fy26_revenue_guide:shared/formula/refs/1 | None | two |
| /operating_model/cells/fy26_revenue_guide:shared/id | None | fy26_revenue_guide |
| /operating_model/cells/fy26_revenue_guide:shared/kind | None | derived |
| /operating_model/cells/fy26_revenue_guide:shared/label | None | Revised FY2026 revenue outlook midpoint |
| /operating_model/cells/fy26_revenue_guide:shared/period | None | FY2026 |
| /operating_model/cells/fy26_revenue_guide:shared/unit | None | USD_millions |
| /operating_model/cells/fy26_revenue_guide:shared/value | None | 2765.0 |
| /operating_model/cells/fy26_revenue_guide_high:shared/basis | None | Company guidance; not a desk forecast. |
| /operating_model/cells/fy26_revenue_guide_high:shared/case | None | shared |
| /operating_model/cells/fy26_revenue_guide_high:shared/id | None | fy26_revenue_guide_high |
| /operating_model/cells/fy26_revenue_guide_high:shared/kind | None | management_guidance |
| /operating_model/cells/fy26_revenue_guide_high:shared/label | None | Revised FY2026 revenue outlook high |
| /operating_model/cells/fy26_revenue_guide_high:shared/period | None | FY2026 |
| /operating_model/cells/fy26_revenue_guide_high:shared/source_date | None | 2026-09-08 |
| /operating_model/cells/fy26_revenue_guide_high:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/1795586/000119312526385383/d948605dex991.htm |
| /operating_model/cells/fy26_revenue_guide_high:shared/unit | None | USD_millions |
| /operating_model/cells/fy26_revenue_guide_high:shared/value | None | 2770.0 |
| /operating_model/cells/fy26_revenue_guide_low:shared/basis | None | Company guidance; not a desk forecast. |
| /operating_model/cells/fy26_revenue_guide_low:shared/case | None | shared |
| /operating_model/cells/fy26_revenue_guide_low:shared/id | None | fy26_revenue_guide_low |
| /operating_model/cells/fy26_revenue_guide_low:shared/kind | None | management_guidance |
| /operating_model/cells/fy26_revenue_guide_low:shared/label | None | Revised FY2026 revenue outlook low |
| /operating_model/cells/fy26_revenue_guide_low:shared/period | None | FY2026 |
| /operating_model/cells/fy26_revenue_guide_low:shared/source_date | None | 2026-09-08 |
| /operating_model/cells/fy26_revenue_guide_low:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/1795586/000119312526385383/d948605dex991.htm |
| /operating_model/cells/fy26_revenue_guide_low:shared/unit | None | USD_millions |
| /operating_model/cells/fy26_revenue_guide_low:shared/value | None | 2760.0 |
| /operating_model/cells/fy26_revenue_guide_sum:shared/basis | None | Arithmetic intermediate. |
| /operating_model/cells/fy26_revenue_guide_sum:shared/case | None | shared |
| /operating_model/cells/fy26_revenue_guide_sum:shared/formula/op | None | sum |
| /operating_model/cells/fy26_revenue_guide_sum:shared/formula/refs/0 | None | fy26_revenue_guide_low |
| /operating_model/cells/fy26_revenue_guide_sum:shared/formula/refs/1 | None | fy26_revenue_guide_high |
| /operating_model/cells/fy26_revenue_guide_sum:shared/id | None | fy26_revenue_guide_sum |
| /operating_model/cells/fy26_revenue_guide_sum:shared/kind | None | derived |
| /operating_model/cells/fy26_revenue_guide_sum:shared/label | None | Revised FY2026 revenue outlook endpoint sum |
| /operating_model/cells/fy26_revenue_guide_sum:shared/period | None | FY2026 |
| /operating_model/cells/fy26_revenue_guide_sum:shared/unit | None | USD_millions |
| /operating_model/cells/fy26_revenue_guide_sum:shared/value | None | 5530.0 |
| /operating_model/cells/h1_acquisition_cash:shared/basis | None | The agreement was announced September 8; no Stride closing in H1. |
| /operating_model/cells/h1_acquisition_cash:shared/case | None | shared |
| /operating_model/cells/h1_acquisition_cash:shared/id | None | h1_acquisition_cash |
| /operating_model/cells/h1_acquisition_cash:shared/kind | None | reported |
| /operating_model/cells/h1_acquisition_cash:shared/label | None | H1 Stride acquisition cash |
| /operating_model/cells/h1_acquisition_cash:shared/period | None | H1 2026 |
| /operating_model/cells/h1_acquisition_cash:shared/source_date | None | 2026-09-08 |
| /operating_model/cells/h1_acquisition_cash:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/1795586/000119312526385383/d948605dex991.htm |
| /operating_model/cells/h1_acquisition_cash:shared/unit | None | USD_millions |
| /operating_model/cells/h1_acquisition_cash:shared/value | None | 0.0 |
| /operating_model/cells/h1_adj_ebitda:shared/basis | None | Reported consolidated amount, converted from thousands to millions. |
| /operating_model/cells/h1_adj_ebitda:shared/case | None | shared |
| /operating_model/cells/h1_adj_ebitda:shared/id | None | h1_adj_ebitda |
| /operating_model/cells/h1_adj_ebitda:shared/kind | None | reported |
| /operating_model/cells/h1_adj_ebitda:shared/label | None | Reported adj ebitda |
| /operating_model/cells/h1_adj_ebitda:shared/period | None | H1 2026 |
| /operating_model/cells/h1_adj_ebitda:shared/source_date | None | 2026-08-06 |
| /operating_model/cells/h1_adj_ebitda:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/1795586/000179558626000048/chym-20260630.htm |
| /operating_model/cells/h1_adj_ebitda:shared/unit | None | USD_millions |
| /operating_model/cells/h1_adj_ebitda:shared/value | None | 220.216 |
| /operating_model/cells/h1_buybacks:shared/basis | None | Reported consolidated amount, converted from thousands to millions. |
| /operating_model/cells/h1_buybacks:shared/case | None | shared |
| /operating_model/cells/h1_buybacks:shared/id | None | h1_buybacks |
| /operating_model/cells/h1_buybacks:shared/kind | None | reported |
| /operating_model/cells/h1_buybacks:shared/label | None | h1 buybacks |
| /operating_model/cells/h1_buybacks:shared/period | None | June 2026 / H1 |
| /operating_model/cells/h1_buybacks:shared/source_date | None | 2026-08-06 |
| /operating_model/cells/h1_buybacks:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/1795586/000179558626000048/chym-20260630.htm |
| /operating_model/cells/h1_buybacks:shared/unit | None | USD_millions |
| /operating_model/cells/h1_buybacks:shared/value | None | 222.074 |
| /operating_model/cells/h1_capex:shared/basis | None | Reported consolidated amount, converted from thousands to millions. |
| /operating_model/cells/h1_capex:shared/case | None | shared |
| /operating_model/cells/h1_capex:shared/id | None | h1_capex |
| /operating_model/cells/h1_capex:shared/kind | None | reported |
| /operating_model/cells/h1_capex:shared/label | None | Reported capex |
| /operating_model/cells/h1_capex:shared/period | None | H1 2026 |
| /operating_model/cells/h1_capex:shared/source_date | None | 2026-08-06 |
| /operating_model/cells/h1_capex:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/1795586/000179558626000048/chym-20260630.htm |
| /operating_model/cells/h1_capex:shared/unit | None | USD_millions |
| /operating_model/cells/h1_capex:shared/value | None | 17.392 |
| /operating_model/cells/h1_cash_after_acquisition:shared/basis | None | Before buybacks. |
| /operating_model/cells/h1_cash_after_acquisition:shared/case | None | shared |
| /operating_model/cells/h1_cash_after_acquisition:shared/formula/op | None | subtract |
| /operating_model/cells/h1_cash_after_acquisition:shared/formula/refs/0 | None | h1_cash_after_funding |
| /operating_model/cells/h1_cash_after_acquisition:shared/formula/refs/1 | None | h1_acquisition_cash |
| /operating_model/cells/h1_cash_after_acquisition:shared/id | None | h1_cash_after_acquisition |
| /operating_model/cells/h1_cash_after_acquisition:shared/kind | None | derived |
| /operating_model/cells/h1_cash_after_acquisition:shared/label | None | H1 cash after claims |
| /operating_model/cells/h1_cash_after_acquisition:shared/period | None | H1 2026 |
| /operating_model/cells/h1_cash_after_acquisition:shared/unit | None | USD_millions |
| /operating_model/cells/h1_cash_after_acquisition:shared/value | None | 223.666 |
| /operating_model/cells/h1_cash_after_funding:shared/basis | None | No deduction for discretionary stock repurchases. |
| /operating_model/cells/h1_cash_after_funding:shared/case | None | shared |
| /operating_model/cells/h1_cash_after_funding:shared/formula/op | None | subtract |
| /operating_model/cells/h1_cash_after_funding:shared/formula/refs/0 | None | h1_cfo |
| /operating_model/cells/h1_cash_after_funding:shared/formula/refs/1 | None | h1_funding_uses |
| /operating_model/cells/h1_cash_after_funding:shared/id | None | h1_cash_after_funding |
| /operating_model/cells/h1_cash_after_funding:shared/kind | None | derived |
| /operating_model/cells/h1_cash_after_funding:shared/label | None | H1 cash after loan investment and assets |
| /operating_model/cells/h1_cash_after_funding:shared/period | None | H1 2026 |
| /operating_model/cells/h1_cash_after_funding:shared/unit | None | USD_millions |
| /operating_model/cells/h1_cash_after_funding:shared/value | None | 223.666 |
| /operating_model/cells/h1_cfo:shared/basis | None | Reported consolidated amount, converted from thousands to millions. |
| /operating_model/cells/h1_cfo:shared/case | None | shared |
| /operating_model/cells/h1_cfo:shared/id | None | h1_cfo |
| /operating_model/cells/h1_cfo:shared/kind | None | reported |
| /operating_model/cells/h1_cfo:shared/label | None | Reported cfo |
| /operating_model/cells/h1_cfo:shared/period | None | H1 2026 |
| /operating_model/cells/h1_cfo:shared/source_date | None | 2026-08-06 |
| /operating_model/cells/h1_cfo:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/1795586/000179558626000048/chym-20260630.htm |
| /operating_model/cells/h1_cfo:shared/unit | None | USD_millions |
| /operating_model/cells/h1_cfo:shared/value | None | 294.956 |
| /operating_model/cells/h1_funding_uses:shared/basis | None | Net loan funding is investing cash use. |
| /operating_model/cells/h1_funding_uses:shared/case | None | shared |
| /operating_model/cells/h1_funding_uses:shared/formula/op | None | sum |
| /operating_model/cells/h1_funding_uses:shared/formula/refs/0 | None | h1_net_loan_funding |
| /operating_model/cells/h1_funding_uses:shared/formula/refs/1 | None | h1_capex |
| /operating_model/cells/h1_funding_uses:shared/id | None | h1_funding_uses |
| /operating_model/cells/h1_funding_uses:shared/kind | None | derived |
| /operating_model/cells/h1_funding_uses:shared/label | None | Loans and assets |
| /operating_model/cells/h1_funding_uses:shared/period | None | H1 2026 |
| /operating_model/cells/h1_funding_uses:shared/unit | None | USD_millions |
| /operating_model/cells/h1_funding_uses:shared/value | None | 71.29 |
| /operating_model/cells/h1_net_loan_funding:shared/basis | None | Reported consolidated amount, converted from thousands to millions. |
| /operating_model/cells/h1_net_loan_funding:shared/case | None | shared |
| /operating_model/cells/h1_net_loan_funding:shared/id | None | h1_net_loan_funding |
| /operating_model/cells/h1_net_loan_funding:shared/kind | None | reported |
| /operating_model/cells/h1_net_loan_funding:shared/label | None | Reported net loan funding |
| /operating_model/cells/h1_net_loan_funding:shared/period | None | H1 2026 |
| /operating_model/cells/h1_net_loan_funding:shared/source_date | None | 2026-08-06 |
| /operating_model/cells/h1_net_loan_funding:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/1795586/000179558626000048/chym-20260630.htm |
| /operating_model/cells/h1_net_loan_funding:shared/unit | None | USD_millions |
| /operating_model/cells/h1_net_loan_funding:shared/value | None | 53.898 |
| /operating_model/cells/h1_operating_income:shared/basis | None | Reported consolidated amount, converted from thousands to millions. |
| /operating_model/cells/h1_operating_income:shared/case | None | shared |
| /operating_model/cells/h1_operating_income:shared/id | None | h1_operating_income |
| /operating_model/cells/h1_operating_income:shared/kind | None | reported |
| /operating_model/cells/h1_operating_income:shared/label | None | Reported operating income |
| /operating_model/cells/h1_operating_income:shared/period | None | H1 2026 |
| /operating_model/cells/h1_operating_income:shared/source_date | None | 2026-08-06 |
| /operating_model/cells/h1_operating_income:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/1795586/000179558626000048/chym-20260630.htm |
| /operating_model/cells/h1_operating_income:shared/unit | None | USD_millions |
| /operating_model/cells/h1_operating_income:shared/value | None | 67.485 |
| /operating_model/cells/h1_payments:shared/basis | None | Reported consolidated amount, converted from thousands to millions. |
| /operating_model/cells/h1_payments:shared/case | None | shared |
| /operating_model/cells/h1_payments:shared/id | None | h1_payments |
| /operating_model/cells/h1_payments:shared/kind | None | reported |
| /operating_model/cells/h1_payments:shared/label | None | Reported payments |
| /operating_model/cells/h1_payments:shared/period | None | H1 2026 |
| /operating_model/cells/h1_payments:shared/source_date | None | 2026-08-06 |
| /operating_model/cells/h1_payments:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/1795586/000179558626000048/chym-20260630.htm |
| /operating_model/cells/h1_payments:shared/unit | None | USD_millions |
| /operating_model/cells/h1_payments:shared/value | None | 862.673 |
| /operating_model/cells/h1_platform:shared/basis | None | Reported consolidated amount, converted from thousands to millions. |
| /operating_model/cells/h1_platform:shared/case | None | shared |
| /operating_model/cells/h1_platform:shared/id | None | h1_platform |
| /operating_model/cells/h1_platform:shared/kind | None | reported |
| /operating_model/cells/h1_platform:shared/label | None | Reported platform |
| /operating_model/cells/h1_platform:shared/period | None | H1 2026 |
| /operating_model/cells/h1_platform:shared/source_date | None | 2026-08-06 |
| /operating_model/cells/h1_platform:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/1795586/000179558626000048/chym-20260630.htm |
| /operating_model/cells/h1_platform:shared/unit | None | USD_millions |
| /operating_model/cells/h1_platform:shared/value | None | 454.482 |
| /operating_model/cells/h1_revenue:shared/basis | None | Reported consolidated amount, converted from thousands to millions. |
| /operating_model/cells/h1_revenue:shared/case | None | shared |
| /operating_model/cells/h1_revenue:shared/id | None | h1_revenue |
| /operating_model/cells/h1_revenue:shared/kind | None | reported |
| /operating_model/cells/h1_revenue:shared/label | None | Reported revenue |
| /operating_model/cells/h1_revenue:shared/period | None | H1 2026 |
| /operating_model/cells/h1_revenue:shared/source_date | None | 2026-08-06 |
| /operating_model/cells/h1_revenue:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/1795586/000179558626000048/chym-20260630.htm |
| /operating_model/cells/h1_revenue:shared/unit | None | USD_millions |
| /operating_model/cells/h1_revenue:shared/value | None | 1317.155 |
| /operating_model/cells/h1_transaction_profit:shared/basis | None | Reported consolidated amount, converted from thousands to millions. |
| /operating_model/cells/h1_transaction_profit:shared/case | None | shared |
| /operating_model/cells/h1_transaction_profit:shared/id | None | h1_transaction_profit |
| /operating_model/cells/h1_transaction_profit:shared/kind | None | reported |
| /operating_model/cells/h1_transaction_profit:shared/label | None | Reported transaction profit |
| /operating_model/cells/h1_transaction_profit:shared/period | None | H1 2026 |
| /operating_model/cells/h1_transaction_profit:shared/source_date | None | 2026-08-06 |
| /operating_model/cells/h1_transaction_profit:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/1795586/000179558626000048/chym-20260630.htm |
| /operating_model/cells/h1_transaction_profit:shared/unit | None | USD_millions |
| /operating_model/cells/h1_transaction_profit:shared/value | None | 982.994 |
| /operating_model/cells/liquidity:shared/basis | None | Excludes restricted cash and partner member deposits. |
| /operating_model/cells/liquidity:shared/case | None | shared |
| /operating_model/cells/liquidity:shared/formula/op | None | sum |
| /operating_model/cells/liquidity:shared/formula/refs/0 | None | cash |
| /operating_model/cells/liquidity:shared/formula/refs/1 | None | marketable_securities |
| /operating_model/cells/liquidity:shared/id | None | liquidity |
| /operating_model/cells/liquidity:shared/kind | None | derived |
| /operating_model/cells/liquidity:shared/label | None | Cash plus marketable securities |
| /operating_model/cells/liquidity:shared/period | None | June 30, 2026 |
| /operating_model/cells/liquidity:shared/unit | None | USD_millions |
| /operating_model/cells/liquidity:shared/value | None | 1063.425 |
| /operating_model/cells/marketable_securities:shared/basis | None | Reported consolidated amount, converted from thousands to millions. |
| /operating_model/cells/marketable_securities:shared/case | None | shared |
| /operating_model/cells/marketable_securities:shared/id | None | marketable_securities |
| /operating_model/cells/marketable_securities:shared/kind | None | reported |
| /operating_model/cells/marketable_securities:shared/label | None | marketable securities |
| /operating_model/cells/marketable_securities:shared/period | None | June 2026 / H1 |
| /operating_model/cells/marketable_securities:shared/source_date | None | 2026-08-06 |
| /operating_model/cells/marketable_securities:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/1795586/000179558626000048/chym-20260630.htm |
| /operating_model/cells/marketable_securities:shared/unit | None | USD_millions |
| /operating_model/cells/marketable_securities:shared/value | None | 527.38 |
| /operating_model/cells/q2_mypay_originations:shared/basis | None | Reported consolidated amount, converted from thousands to millions. |
| /operating_model/cells/q2_mypay_originations:shared/case | None | shared |
| /operating_model/cells/q2_mypay_originations:shared/id | None | q2_mypay_originations |
| /operating_model/cells/q2_mypay_originations:shared/kind | None | reported |
| /operating_model/cells/q2_mypay_originations:shared/label | None | q2 mypay originations |
| /operating_model/cells/q2_mypay_originations:shared/period | None | June 2026 / H1 |
| /operating_model/cells/q2_mypay_originations:shared/source_date | None | 2026-08-05 |
| /operating_model/cells/q2_mypay_originations:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/1795586/000179558626000046/ex991q226.htm |
| /operating_model/cells/q2_mypay_originations:shared/unit | None | USD_millions |
| /operating_model/cells/q2_mypay_originations:shared/value | None | 4500.0 |
| /operating_model/cells/q2_payment_volume:shared/basis | None | Reported consolidated amount, converted from thousands to millions. |
| /operating_model/cells/q2_payment_volume:shared/case | None | shared |
| /operating_model/cells/q2_payment_volume:shared/id | None | q2_payment_volume |
| /operating_model/cells/q2_payment_volume:shared/kind | None | reported |
| /operating_model/cells/q2_payment_volume:shared/label | None | q2 payment volume |
| /operating_model/cells/q2_payment_volume:shared/period | None | June 2026 / H1 |
| /operating_model/cells/q2_payment_volume:shared/source_date | None | 2026-08-05 |
| /operating_model/cells/q2_payment_volume:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/1795586/000179558626000046/ex991q226.htm |
| /operating_model/cells/q2_payment_volume:shared/unit | None | USD_millions |
| /operating_model/cells/q2_payment_volume:shared/value | None | 38000.0 |
| /operating_model/cells/q2_payments:shared/basis | None | Reported consolidated amount, converted from thousands to millions. |
| /operating_model/cells/q2_payments:shared/case | None | shared |
| /operating_model/cells/q2_payments:shared/id | None | q2_payments |
| /operating_model/cells/q2_payments:shared/kind | None | reported |
| /operating_model/cells/q2_payments:shared/label | None | q2 payments |
| /operating_model/cells/q2_payments:shared/period | None | June 2026 / H1 |
| /operating_model/cells/q2_payments:shared/source_date | None | 2026-08-05 |
| /operating_model/cells/q2_payments:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/1795586/000179558626000046/ex991q226.htm |
| /operating_model/cells/q2_payments:shared/unit | None | USD_millions |
| /operating_model/cells/q2_payments:shared/value | None | 430.029 |
| /operating_model/cells/q2_platform:shared/basis | None | Reported consolidated amount, converted from thousands to millions. |
| /operating_model/cells/q2_platform:shared/case | None | shared |
| /operating_model/cells/q2_platform:shared/id | None | q2_platform |
| /operating_model/cells/q2_platform:shared/kind | None | reported |
| /operating_model/cells/q2_platform:shared/label | None | q2 platform |
| /operating_model/cells/q2_platform:shared/period | None | June 2026 / H1 |
| /operating_model/cells/q2_platform:shared/source_date | None | 2026-08-05 |
| /operating_model/cells/q2_platform:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/1795586/000179558626000046/ex991q226.htm |
| /operating_model/cells/q2_platform:shared/unit | None | USD_millions |
| /operating_model/cells/q2_platform:shared/value | None | 239.739 |
| /operating_model/cells/q3_revenue_guide:shared/basis | None | Calculated midpoint of the company range; not an additional company forecast. |
| /operating_model/cells/q3_revenue_guide:shared/case | None | shared |
| /operating_model/cells/q3_revenue_guide:shared/formula/op | None | divide |
| /operating_model/cells/q3_revenue_guide:shared/formula/refs/0 | None | q3_revenue_guide_sum |
| /operating_model/cells/q3_revenue_guide:shared/formula/refs/1 | None | two |
| /operating_model/cells/q3_revenue_guide:shared/id | None | q3_revenue_guide |
| /operating_model/cells/q3_revenue_guide:shared/kind | None | derived |
| /operating_model/cells/q3_revenue_guide:shared/label | None | Revised Q3 revenue outlook midpoint |
| /operating_model/cells/q3_revenue_guide:shared/period | None | 2026Q3 |
| /operating_model/cells/q3_revenue_guide:shared/unit | None | USD_millions |
| /operating_model/cells/q3_revenue_guide:shared/value | None | 705.0 |
| /operating_model/cells/q3_revenue_guide_high:shared/basis | None | Company guidance; not a desk forecast. |
| /operating_model/cells/q3_revenue_guide_high:shared/case | None | shared |
| /operating_model/cells/q3_revenue_guide_high:shared/id | None | q3_revenue_guide_high |
| /operating_model/cells/q3_revenue_guide_high:shared/kind | None | management_guidance |
| /operating_model/cells/q3_revenue_guide_high:shared/label | None | Revised Q3 revenue outlook high |
| /operating_model/cells/q3_revenue_guide_high:shared/period | None | 2026Q3 |
| /operating_model/cells/q3_revenue_guide_high:shared/source_date | None | 2026-09-08 |
| /operating_model/cells/q3_revenue_guide_high:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/1795586/000119312526385383/d948605dex991.htm |
| /operating_model/cells/q3_revenue_guide_high:shared/unit | None | USD_millions |
| /operating_model/cells/q3_revenue_guide_high:shared/value | None | 705.0 |
| /operating_model/cells/q3_revenue_guide_low:shared/basis | None | Company guidance; not a desk forecast. |
| /operating_model/cells/q3_revenue_guide_low:shared/case | None | shared |
| /operating_model/cells/q3_revenue_guide_low:shared/id | None | q3_revenue_guide_low |
| /operating_model/cells/q3_revenue_guide_low:shared/kind | None | management_guidance |
| /operating_model/cells/q3_revenue_guide_low:shared/label | None | Revised Q3 revenue outlook low |
| /operating_model/cells/q3_revenue_guide_low:shared/period | None | 2026Q3 |
| /operating_model/cells/q3_revenue_guide_low:shared/source_date | None | 2026-09-08 |
| /operating_model/cells/q3_revenue_guide_low:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/1795586/000119312526385383/d948605dex991.htm |
| /operating_model/cells/q3_revenue_guide_low:shared/unit | None | USD_millions |
| /operating_model/cells/q3_revenue_guide_low:shared/value | None | 705.0 |
| /operating_model/cells/q3_revenue_guide_sum:shared/basis | None | Arithmetic intermediate. |
| /operating_model/cells/q3_revenue_guide_sum:shared/case | None | shared |
| /operating_model/cells/q3_revenue_guide_sum:shared/formula/op | None | sum |
| /operating_model/cells/q3_revenue_guide_sum:shared/formula/refs/0 | None | q3_revenue_guide_low |
| /operating_model/cells/q3_revenue_guide_sum:shared/formula/refs/1 | None | q3_revenue_guide_high |
| /operating_model/cells/q3_revenue_guide_sum:shared/id | None | q3_revenue_guide_sum |
| /operating_model/cells/q3_revenue_guide_sum:shared/kind | None | derived |
| /operating_model/cells/q3_revenue_guide_sum:shared/label | None | Revised Q3 revenue outlook endpoint sum |
| /operating_model/cells/q3_revenue_guide_sum:shared/period | None | 2026Q3 |
| /operating_model/cells/q3_revenue_guide_sum:shared/unit | None | USD_millions |
| /operating_model/cells/q3_revenue_guide_sum:shared/value | None | 1410.0 |
| /operating_model/cells/restricted:shared/basis | None | Reported consolidated amount, converted from thousands to millions. |
| /operating_model/cells/restricted:shared/case | None | shared |
| /operating_model/cells/restricted:shared/id | None | restricted |
| /operating_model/cells/restricted:shared/kind | None | reported |
| /operating_model/cells/restricted:shared/label | None | restricted |
| /operating_model/cells/restricted:shared/period | None | June 2026 / H1 |
| /operating_model/cells/restricted:shared/source_date | None | 2026-08-06 |
| /operating_model/cells/restricted:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/1795586/000179558626000048/chym-20260630.htm |
| /operating_model/cells/restricted:shared/unit | None | USD_millions |
| /operating_model/cells/restricted:shared/value | None | 65.014 |
| /operating_model/cells/stride_price:shared/basis | None | Cash consideration at closing, subject to required approvals; not current debt. |
| /operating_model/cells/stride_price:shared/case | None | shared |
| /operating_model/cells/stride_price:shared/id | None | stride_price |
| /operating_model/cells/stride_price:shared/kind | None | reported |
| /operating_model/cells/stride_price:shared/label | None | Conditional Stride purchase price |
| /operating_model/cells/stride_price:shared/period | None | Proposed H1 2027 |
| /operating_model/cells/stride_price:shared/source_date | None | 2026-09-08 |
| /operating_model/cells/stride_price:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/1795586/000119312526385383/d948605dex991.htm |
| /operating_model/cells/stride_price:shared/unit | None | USD_millions |
| /operating_model/cells/stride_price:shared/value | None | 590.0 |
| /operating_model/cells/two:shared/basis | None | Arithmetic constant. |
| /operating_model/cells/two:shared/case | None | shared |
| /operating_model/cells/two:shared/id | None | two |
| /operating_model/cells/two:shared/kind | None | assumption |
| /operating_model/cells/two:shared/label | None | Midpoint divisor |
| /operating_model/cells/two:shared/period | None | Model |
| /operating_model/cells/two:shared/unit | None | ratio |
| /operating_model/cells/two:shared/value | None | 2.0 |
| /operating_model/cells/upside_2026q3_acquisition_cash:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2026q3_acquisition_cash:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_acquisition_cash:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2026q3_acquisition_cash:upside/formula/refs/0 | None | stride_price |
| /operating_model/cells/upside_2026q3_acquisition_cash:upside/formula/refs/1 | None | upside_2026q3_stride_closing |
| /operating_model/cells/upside_2026q3_acquisition_cash:upside/id | None | upside_2026q3_acquisition_cash |
| /operating_model/cells/upside_2026q3_acquisition_cash:upside/kind | None | derived |
| /operating_model/cells/upside_2026q3_acquisition_cash:upside/label | None | Conditional Stride purchase cash |
| /operating_model/cells/upside_2026q3_acquisition_cash:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_acquisition_cash:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_acquisition_cash:upside/value | None | 0.0 |
| /operating_model/cells/upside_2026q3_adj_ebitda:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2026q3_adj_ebitda:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_adj_ebitda:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2026q3_adj_ebitda:upside/formula/refs/0 | None | upside_2026q3_transaction_profit |
| /operating_model/cells/upside_2026q3_adj_ebitda:upside/formula/refs/1 | None | upside_2026q3_adjusted_costs |
| /operating_model/cells/upside_2026q3_adj_ebitda:upside/id | None | upside_2026q3_adj_ebitda |
| /operating_model/cells/upside_2026q3_adj_ebitda:upside/kind | None | derived |
| /operating_model/cells/upside_2026q3_adj_ebitda:upside/label | None | Adjusted EBITDA proxy |
| /operating_model/cells/upside_2026q3_adj_ebitda:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_adj_ebitda:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_adj_ebitda:upside/value | None | 158.85750000000002 |
| /operating_model/cells/upside_2026q3_adjusted_costs:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q3_adjusted_costs:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_adjusted_costs:upside/id | None | upside_2026q3_adjusted_costs |
| /operating_model/cells/upside_2026q3_adjusted_costs:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q3_adjusted_costs:upside/label | None | Adjusted product, sales and corporate cost |
| /operating_model/cells/upside_2026q3_adjusted_costs:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_adjusted_costs:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_adjusted_costs:upside/value | None | 411.7425 |
| /operating_model/cells/upside_2026q3_capex:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q3_capex:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_capex:upside/id | None | upside_2026q3_capex |
| /operating_model/cells/upside_2026q3_capex:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q3_capex:upside/label | None | PP&E and purchased/internal software cash |
| /operating_model/cells/upside_2026q3_capex:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_capex:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_capex:upside/value | None | 10.0 |
| /operating_model/cells/upside_2026q3_cash_adjustments:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q3_cash_adjustments:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_cash_adjustments:upside/id | None | upside_2026q3_cash_adjustments |
| /operating_model/cells/upside_2026q3_cash_adjustments:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q3_cash_adjustments:upside/label | None | Cash costs excluded from adjusted EBITDA |
| /operating_model/cells/upside_2026q3_cash_adjustments:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_cash_adjustments:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_cash_adjustments:upside/value | None | 2.0 |
| /operating_model/cells/upside_2026q3_cash_after_acquisition:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2026q3_cash_after_acquisition:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_cash_after_acquisition:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2026q3_cash_after_acquisition:upside/formula/refs/0 | None | upside_2026q3_cash_after_funding |
| /operating_model/cells/upside_2026q3_cash_after_acquisition:upside/formula/refs/1 | None | upside_2026q3_acquisition_cash |
| /operating_model/cells/upside_2026q3_cash_after_acquisition:upside/id | None | upside_2026q3_cash_after_acquisition |
| /operating_model/cells/upside_2026q3_cash_after_acquisition:upside/kind | None | derived |
| /operating_model/cells/upside_2026q3_cash_after_acquisition:upside/label | None | Cash after proposed bank purchase |
| /operating_model/cells/upside_2026q3_cash_after_acquisition:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_cash_after_acquisition:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_cash_after_acquisition:upside/value | None | 94.60750000000002 |
| /operating_model/cells/upside_2026q3_cash_after_funding:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2026q3_cash_after_funding:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_cash_after_funding:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2026q3_cash_after_funding:upside/formula/refs/0 | None | upside_2026q3_cfo |
| /operating_model/cells/upside_2026q3_cash_after_funding:upside/formula/refs/1 | None | upside_2026q3_investment |
| /operating_model/cells/upside_2026q3_cash_after_funding:upside/id | None | upside_2026q3_cash_after_funding |
| /operating_model/cells/upside_2026q3_cash_after_funding:upside/kind | None | derived |
| /operating_model/cells/upside_2026q3_cash_after_funding:upside/label | None | Cash after loan funding and assets |
| /operating_model/cells/upside_2026q3_cash_after_funding:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_cash_after_funding:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_cash_after_funding:upside/value | None | 94.60750000000002 |
| /operating_model/cells/upside_2026q3_cash_earnings:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2026q3_cash_earnings:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_cash_earnings:upside/formula/op | None | sum |
| /operating_model/cells/upside_2026q3_cash_earnings:upside/formula/refs/0 | None | upside_2026q3_adj_ebitda |
| /operating_model/cells/upside_2026q3_cash_earnings:upside/formula/refs/1 | None | upside_2026q3_interest_income |
| /operating_model/cells/upside_2026q3_cash_earnings:upside/id | None | upside_2026q3_cash_earnings |
| /operating_model/cells/upside_2026q3_cash_earnings:upside/kind | None | derived |
| /operating_model/cells/upside_2026q3_cash_earnings:upside/label | None | Adjusted EBITDA plus cash interest income |
| /operating_model/cells/upside_2026q3_cash_earnings:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_cash_earnings:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_cash_earnings:upside/value | None | 166.85750000000002 |
| /operating_model/cells/upside_2026q3_cash_interest_tax:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q3_cash_interest_tax:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_cash_interest_tax:upside/id | None | upside_2026q3_cash_interest_tax |
| /operating_model/cells/upside_2026q3_cash_interest_tax:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q3_cash_interest_tax:upside/label | None | Cash interest and taxes |
| /operating_model/cells/upside_2026q3_cash_interest_tax:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_cash_interest_tax:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_cash_interest_tax:upside/value | None | 5.0 |
| /operating_model/cells/upside_2026q3_cash_uses:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2026q3_cash_uses:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_cash_uses:upside/formula/op | None | sum |
| /operating_model/cells/upside_2026q3_cash_uses:upside/formula/refs/0 | None | upside_2026q3_cash_adjustments |
| /operating_model/cells/upside_2026q3_cash_uses:upside/formula/refs/1 | None | upside_2026q3_cash_interest_tax |
| /operating_model/cells/upside_2026q3_cash_uses:upside/formula/refs/2 | None | upside_2026q3_wc |
| /operating_model/cells/upside_2026q3_cash_uses:upside/id | None | upside_2026q3_cash_uses |
| /operating_model/cells/upside_2026q3_cash_uses:upside/kind | None | derived |
| /operating_model/cells/upside_2026q3_cash_uses:upside/label | None | Cash adjustments taxes interest and working capital |
| /operating_model/cells/upside_2026q3_cash_uses:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_cash_uses:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_cash_uses:upside/value | None | 22.0 |
| /operating_model/cells/upside_2026q3_cfo:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2026q3_cfo:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_cfo:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2026q3_cfo:upside/formula/refs/0 | None | upside_2026q3_cash_earnings |
| /operating_model/cells/upside_2026q3_cfo:upside/formula/refs/1 | None | upside_2026q3_cash_uses |
| /operating_model/cells/upside_2026q3_cfo:upside/id | None | upside_2026q3_cfo |
| /operating_model/cells/upside_2026q3_cfo:upside/kind | None | derived |
| /operating_model/cells/upside_2026q3_cfo:upside/label | None | Operating cash flow proxy |
| /operating_model/cells/upside_2026q3_cfo:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_cfo:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_cfo:upside/value | None | 144.85750000000002 |
| /operating_model/cells/upside_2026q3_da:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q3_da:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_da:upside/id | None | upside_2026q3_da |
| /operating_model/cells/upside_2026q3_da:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q3_da:upside/label | None | Total D&A |
| /operating_model/cells/upside_2026q3_da:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_da:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_da:upside/value | None | 8.0 |
| /operating_model/cells/upside_2026q3_gaap_adjustments:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2026q3_gaap_adjustments:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_gaap_adjustments:upside/formula/op | None | sum |
| /operating_model/cells/upside_2026q3_gaap_adjustments:upside/formula/refs/0 | None | upside_2026q3_sbc |
| /operating_model/cells/upside_2026q3_gaap_adjustments:upside/formula/refs/1 | None | upside_2026q3_da |
| /operating_model/cells/upside_2026q3_gaap_adjustments:upside/formula/refs/2 | None | upside_2026q3_cash_adjustments |
| /operating_model/cells/upside_2026q3_gaap_adjustments:upside/id | None | upside_2026q3_gaap_adjustments |
| /operating_model/cells/upside_2026q3_gaap_adjustments:upside/kind | None | derived |
| /operating_model/cells/upside_2026q3_gaap_adjustments:upside/label | None | SBC D&A and cash excluded costs |
| /operating_model/cells/upside_2026q3_gaap_adjustments:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_gaap_adjustments:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_gaap_adjustments:upside/value | None | 82.0 |
| /operating_model/cells/upside_2026q3_gross_margin:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q3_gross_margin:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_gross_margin:upside/id | None | upside_2026q3_gross_margin |
| /operating_model/cells/upside_2026q3_gross_margin:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q3_gross_margin:upside/label | None | Gross margin |
| /operating_model/cells/upside_2026q3_gross_margin:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_gross_margin:upside/unit | None | ratio |
| /operating_model/cells/upside_2026q3_gross_margin:upside/value | None | 0.89 |
| /operating_model/cells/upside_2026q3_gross_profit:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2026q3_gross_profit:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_gross_profit:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2026q3_gross_profit:upside/formula/refs/0 | None | upside_2026q3_revenue |
| /operating_model/cells/upside_2026q3_gross_profit:upside/formula/refs/1 | None | upside_2026q3_gross_margin |
| /operating_model/cells/upside_2026q3_gross_profit:upside/id | None | upside_2026q3_gross_profit |
| /operating_model/cells/upside_2026q3_gross_profit:upside/kind | None | derived |
| /operating_model/cells/upside_2026q3_gross_profit:upside/label | None | Gross profit after processing |
| /operating_model/cells/upside_2026q3_gross_profit:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_gross_profit:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_gross_profit:upside/value | None | 678.1800000000001 |
| /operating_model/cells/upside_2026q3_interest_income:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q3_interest_income:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_interest_income:upside/id | None | upside_2026q3_interest_income |
| /operating_model/cells/upside_2026q3_interest_income:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q3_interest_income:upside/label | None | Cash interest income |
| /operating_model/cells/upside_2026q3_interest_income:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_interest_income:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_interest_income:upside/value | None | 8.0 |
| /operating_model/cells/upside_2026q3_investment:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2026q3_investment:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_investment:upside/formula/op | None | sum |
| /operating_model/cells/upside_2026q3_investment:upside/formula/refs/0 | None | upside_2026q3_net_loan_funding |
| /operating_model/cells/upside_2026q3_investment:upside/formula/refs/1 | None | upside_2026q3_capex |
| /operating_model/cells/upside_2026q3_investment:upside/id | None | upside_2026q3_investment |
| /operating_model/cells/upside_2026q3_investment:upside/kind | None | derived |
| /operating_model/cells/upside_2026q3_investment:upside/label | None | Loans and assets |
| /operating_model/cells/upside_2026q3_investment:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_investment:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_investment:upside/value | None | 50.25 |
| /operating_model/cells/upside_2026q3_member_index:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q3_member_index:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_member_index:upside/id | None | upside_2026q3_member_index |
| /operating_model/cells/upside_2026q3_member_index:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q3_member_index:upside/label | None | Active-member exposure index |
| /operating_model/cells/upside_2026q3_member_index:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_member_index:upside/unit | None | ratio |
| /operating_model/cells/upside_2026q3_member_index:upside/value | None | 1.025 |
| /operating_model/cells/upside_2026q3_mypay_loss_rate:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q3_mypay_loss_rate:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_mypay_loss_rate:upside/id | None | upside_2026q3_mypay_loss_rate |
| /operating_model/cells/upside_2026q3_mypay_loss_rate:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q3_mypay_loss_rate:upside/label | None | MyPay loss rate |
| /operating_model/cells/upside_2026q3_mypay_loss_rate:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_mypay_loss_rate:upside/unit | None | ratio |
| /operating_model/cells/upside_2026q3_mypay_loss_rate:upside/value | None | 0.0075 |
| /operating_model/cells/upside_2026q3_mypay_losses:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2026q3_mypay_losses:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_mypay_losses:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2026q3_mypay_losses:upside/formula/refs/0 | None | upside_2026q3_mypay_originations |
| /operating_model/cells/upside_2026q3_mypay_losses:upside/formula/refs/1 | None | upside_2026q3_mypay_loss_rate |
| /operating_model/cells/upside_2026q3_mypay_losses:upside/id | None | upside_2026q3_mypay_losses |
| /operating_model/cells/upside_2026q3_mypay_losses:upside/kind | None | derived |
| /operating_model/cells/upside_2026q3_mypay_losses:upside/label | None | MyPay loss allowance |
| /operating_model/cells/upside_2026q3_mypay_losses:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_mypay_losses:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_mypay_losses:upside/value | None | 39.6 |
| /operating_model/cells/upside_2026q3_mypay_originations:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q3_mypay_originations:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_mypay_originations:upside/id | None | upside_2026q3_mypay_originations |
| /operating_model/cells/upside_2026q3_mypay_originations:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q3_mypay_originations:upside/label | None | MyPay origination activity |
| /operating_model/cells/upside_2026q3_mypay_originations:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_mypay_originations:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_mypay_originations:upside/value | None | 5280.0 |
| /operating_model/cells/upside_2026q3_net_loan_funding:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q3_net_loan_funding:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_net_loan_funding:upside/id | None | upside_2026q3_net_loan_funding |
| /operating_model/cells/upside_2026q3_net_loan_funding:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q3_net_loan_funding:upside/label | None | Loans purchased less repayments |
| /operating_model/cells/upside_2026q3_net_loan_funding:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_net_loan_funding:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_net_loan_funding:upside/value | None | 40.25 |
| /operating_model/cells/upside_2026q3_operating_income:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2026q3_operating_income:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_operating_income:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2026q3_operating_income:upside/formula/refs/0 | None | upside_2026q3_adj_ebitda |
| /operating_model/cells/upside_2026q3_operating_income:upside/formula/refs/1 | None | upside_2026q3_gaap_adjustments |
| /operating_model/cells/upside_2026q3_operating_income:upside/id | None | upside_2026q3_operating_income |
| /operating_model/cells/upside_2026q3_operating_income:upside/kind | None | derived |
| /operating_model/cells/upside_2026q3_operating_income:upside/label | None | Operating income proxy |
| /operating_model/cells/upside_2026q3_operating_income:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_operating_income:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_operating_income:upside/value | None | 76.85750000000002 |
| /operating_model/cells/upside_2026q3_other_risk:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q3_other_risk:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_other_risk:upside/id | None | upside_2026q3_other_risk |
| /operating_model/cells/upside_2026q3_other_risk:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q3_other_risk:upside/label | None | Other lending, dispute and risk cost |
| /operating_model/cells/upside_2026q3_other_risk:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_other_risk:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_other_risk:upside/value | None | 67.98 |
| /operating_model/cells/upside_2026q3_payment_yield:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q3_payment_yield:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_payment_yield:upside/id | None | upside_2026q3_payment_yield |
| /operating_model/cells/upside_2026q3_payment_yield:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q3_payment_yield:upside/label | None | Net payments yield |
| /operating_model/cells/upside_2026q3_payment_yield:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_payment_yield:upside/unit | None | ratio |
| /operating_model/cells/upside_2026q3_payment_yield:upside/value | None | 0.01125 |
| /operating_model/cells/upside_2026q3_payments:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2026q3_payments:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_payments:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2026q3_payments:upside/formula/refs/0 | None | upside_2026q3_purchase_volume |
| /operating_model/cells/upside_2026q3_payments:upside/formula/refs/1 | None | upside_2026q3_payment_yield |
| /operating_model/cells/upside_2026q3_payments:upside/id | None | upside_2026q3_payments |
| /operating_model/cells/upside_2026q3_payments:upside/kind | None | derived |
| /operating_model/cells/upside_2026q3_payments:upside/label | None | Payments revenue |
| /operating_model/cells/upside_2026q3_payments:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_payments:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_payments:upside/value | None | 481.5 |
| /operating_model/cells/upside_2026q3_platform:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2026q3_platform:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_platform:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2026q3_platform:upside/formula/refs/0 | None | q2_platform |
| /operating_model/cells/upside_2026q3_platform:upside/formula/refs/1 | None | upside_2026q3_member_index |
| /operating_model/cells/upside_2026q3_platform:upside/formula/refs/2 | None | upside_2026q3_platform_monetization |
| /operating_model/cells/upside_2026q3_platform:upside/id | None | upside_2026q3_platform |
| /operating_model/cells/upside_2026q3_platform:upside/kind | None | derived |
| /operating_model/cells/upside_2026q3_platform:upside/label | None | Platform revenue |
| /operating_model/cells/upside_2026q3_platform:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_platform:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_platform:upside/value | None | 280.5 |
| /operating_model/cells/upside_2026q3_platform_monetization:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q3_platform_monetization:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_platform_monetization:upside/id | None | upside_2026q3_platform_monetization |
| /operating_model/cells/upside_2026q3_platform_monetization:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q3_platform_monetization:upside/label | None | Platform monetization index |
| /operating_model/cells/upside_2026q3_platform_monetization:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_platform_monetization:upside/unit | None | ratio |
| /operating_model/cells/upside_2026q3_platform_monetization:upside/value | None | 1.141485267667613 |
| /operating_model/cells/upside_2026q3_purchase_volume:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q3_purchase_volume:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_purchase_volume:upside/id | None | upside_2026q3_purchase_volume |
| /operating_model/cells/upside_2026q3_purchase_volume:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q3_purchase_volume:upside/label | None | Purchase volume |
| /operating_model/cells/upside_2026q3_purchase_volume:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_purchase_volume:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_purchase_volume:upside/value | None | 42800.0 |
| /operating_model/cells/upside_2026q3_revenue:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2026q3_revenue:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_revenue:upside/formula/op | None | sum |
| /operating_model/cells/upside_2026q3_revenue:upside/formula/refs/0 | None | upside_2026q3_payments |
| /operating_model/cells/upside_2026q3_revenue:upside/formula/refs/1 | None | upside_2026q3_platform |
| /operating_model/cells/upside_2026q3_revenue:upside/id | None | upside_2026q3_revenue |
| /operating_model/cells/upside_2026q3_revenue:upside/kind | None | derived |
| /operating_model/cells/upside_2026q3_revenue:upside/label | None | Revenue |
| /operating_model/cells/upside_2026q3_revenue:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_revenue:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_revenue:upside/value | None | 762.0 |
| /operating_model/cells/upside_2026q3_risk:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2026q3_risk:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_risk:upside/formula/op | None | sum |
| /operating_model/cells/upside_2026q3_risk:upside/formula/refs/0 | None | upside_2026q3_mypay_losses |
| /operating_model/cells/upside_2026q3_risk:upside/formula/refs/1 | None | upside_2026q3_other_risk |
| /operating_model/cells/upside_2026q3_risk:upside/id | None | upside_2026q3_risk |
| /operating_model/cells/upside_2026q3_risk:upside/kind | None | derived |
| /operating_model/cells/upside_2026q3_risk:upside/label | None | Transaction and risk loss allowance |
| /operating_model/cells/upside_2026q3_risk:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_risk:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_risk:upside/value | None | 107.58000000000001 |
| /operating_model/cells/upside_2026q3_sbc:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q3_sbc:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_sbc:upside/id | None | upside_2026q3_sbc |
| /operating_model/cells/upside_2026q3_sbc:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q3_sbc:upside/label | None | Total SBC and stock charitable cost |
| /operating_model/cells/upside_2026q3_sbc:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_sbc:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_sbc:upside/value | None | 72.0 |
| /operating_model/cells/upside_2026q3_stride_closing:upside/basis | None | Conditional quarter placement; expected H1 2027, downside assumes delay. No acquired operations or synergy booked. |
| /operating_model/cells/upside_2026q3_stride_closing:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_stride_closing:upside/id | None | upside_2026q3_stride_closing |
| /operating_model/cells/upside_2026q3_stride_closing:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q3_stride_closing:upside/label | None | Stride closing switch |
| /operating_model/cells/upside_2026q3_stride_closing:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_stride_closing:upside/unit | None | ratio |
| /operating_model/cells/upside_2026q3_stride_closing:upside/value | None | 0.0 |
| /operating_model/cells/upside_2026q3_transaction_profit:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2026q3_transaction_profit:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_transaction_profit:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2026q3_transaction_profit:upside/formula/refs/0 | None | upside_2026q3_gross_profit |
| /operating_model/cells/upside_2026q3_transaction_profit:upside/formula/refs/1 | None | upside_2026q3_risk |
| /operating_model/cells/upside_2026q3_transaction_profit:upside/id | None | upside_2026q3_transaction_profit |
| /operating_model/cells/upside_2026q3_transaction_profit:upside/kind | None | derived |
| /operating_model/cells/upside_2026q3_transaction_profit:upside/label | None | Transaction profit |
| /operating_model/cells/upside_2026q3_transaction_profit:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_transaction_profit:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_transaction_profit:upside/value | None | 570.6 |
| /operating_model/cells/upside_2026q3_wc:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q3_wc:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_wc:upside/id | None | upside_2026q3_wc |
| /operating_model/cells/upside_2026q3_wc:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q3_wc:upside/label | None | Product collateral and net operating working-capital use |
| /operating_model/cells/upside_2026q3_wc:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_wc:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_wc:upside/value | None | 15.0 |
| /operating_model/cells/upside_2026q4_acquisition_cash:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2026q4_acquisition_cash:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_acquisition_cash:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2026q4_acquisition_cash:upside/formula/refs/0 | None | stride_price |
| /operating_model/cells/upside_2026q4_acquisition_cash:upside/formula/refs/1 | None | upside_2026q4_stride_closing |
| /operating_model/cells/upside_2026q4_acquisition_cash:upside/id | None | upside_2026q4_acquisition_cash |
| /operating_model/cells/upside_2026q4_acquisition_cash:upside/kind | None | derived |
| /operating_model/cells/upside_2026q4_acquisition_cash:upside/label | None | Conditional Stride purchase cash |
| /operating_model/cells/upside_2026q4_acquisition_cash:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_acquisition_cash:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_acquisition_cash:upside/value | None | 0.0 |
| /operating_model/cells/upside_2026q4_adj_ebitda:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2026q4_adj_ebitda:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_adj_ebitda:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2026q4_adj_ebitda:upside/formula/refs/0 | None | upside_2026q4_transaction_profit |
| /operating_model/cells/upside_2026q4_adj_ebitda:upside/formula/refs/1 | None | upside_2026q4_adjusted_costs |
| /operating_model/cells/upside_2026q4_adj_ebitda:upside/id | None | upside_2026q4_adj_ebitda |
| /operating_model/cells/upside_2026q4_adj_ebitda:upside/kind | None | derived |
| /operating_model/cells/upside_2026q4_adj_ebitda:upside/label | None | Adjusted EBITDA proxy |
| /operating_model/cells/upside_2026q4_adj_ebitda:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_adj_ebitda:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_adj_ebitda:upside/value | None | 189.50276349999984 |
| /operating_model/cells/upside_2026q4_adjusted_costs:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q4_adjusted_costs:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_adjusted_costs:upside/id | None | upside_2026q4_adjusted_costs |
| /operating_model/cells/upside_2026q4_adjusted_costs:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q4_adjusted_costs:upside/label | None | Adjusted product, sales and corporate cost |
| /operating_model/cells/upside_2026q4_adjusted_costs:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_adjusted_costs:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_adjusted_costs:upside/value | None | 412.87349150000006 |
| /operating_model/cells/upside_2026q4_capex:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q4_capex:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_capex:upside/id | None | upside_2026q4_capex |
| /operating_model/cells/upside_2026q4_capex:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q4_capex:upside/label | None | PP&E and purchased/internal software cash |
| /operating_model/cells/upside_2026q4_capex:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_capex:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_capex:upside/value | None | 11.0 |
| /operating_model/cells/upside_2026q4_cash_adjustments:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q4_cash_adjustments:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_cash_adjustments:upside/id | None | upside_2026q4_cash_adjustments |
| /operating_model/cells/upside_2026q4_cash_adjustments:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q4_cash_adjustments:upside/label | None | Cash costs excluded from adjusted EBITDA |
| /operating_model/cells/upside_2026q4_cash_adjustments:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_cash_adjustments:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_cash_adjustments:upside/value | None | 2.0 |
| /operating_model/cells/upside_2026q4_cash_after_acquisition:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2026q4_cash_after_acquisition:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_cash_after_acquisition:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2026q4_cash_after_acquisition:upside/formula/refs/0 | None | upside_2026q4_cash_after_funding |
| /operating_model/cells/upside_2026q4_cash_after_acquisition:upside/formula/refs/1 | None | upside_2026q4_acquisition_cash |
| /operating_model/cells/upside_2026q4_cash_after_acquisition:upside/id | None | upside_2026q4_cash_after_acquisition |
| /operating_model/cells/upside_2026q4_cash_after_acquisition:upside/kind | None | derived |
| /operating_model/cells/upside_2026q4_cash_after_acquisition:upside/label | None | Cash after proposed bank purchase |
| /operating_model/cells/upside_2026q4_cash_after_acquisition:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_cash_after_acquisition:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_cash_after_acquisition:upside/value | None | 111.50276349999984 |
| /operating_model/cells/upside_2026q4_cash_after_funding:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2026q4_cash_after_funding:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_cash_after_funding:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2026q4_cash_after_funding:upside/formula/refs/0 | None | upside_2026q4_cfo |
| /operating_model/cells/upside_2026q4_cash_after_funding:upside/formula/refs/1 | None | upside_2026q4_investment |
| /operating_model/cells/upside_2026q4_cash_after_funding:upside/id | None | upside_2026q4_cash_after_funding |
| /operating_model/cells/upside_2026q4_cash_after_funding:upside/kind | None | derived |
| /operating_model/cells/upside_2026q4_cash_after_funding:upside/label | None | Cash after loan funding and assets |
| /operating_model/cells/upside_2026q4_cash_after_funding:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_cash_after_funding:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_cash_after_funding:upside/value | None | 111.50276349999984 |
| /operating_model/cells/upside_2026q4_cash_earnings:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2026q4_cash_earnings:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_cash_earnings:upside/formula/op | None | sum |
| /operating_model/cells/upside_2026q4_cash_earnings:upside/formula/refs/0 | None | upside_2026q4_adj_ebitda |
| /operating_model/cells/upside_2026q4_cash_earnings:upside/formula/refs/1 | None | upside_2026q4_interest_income |
| /operating_model/cells/upside_2026q4_cash_earnings:upside/id | None | upside_2026q4_cash_earnings |
| /operating_model/cells/upside_2026q4_cash_earnings:upside/kind | None | derived |
| /operating_model/cells/upside_2026q4_cash_earnings:upside/label | None | Adjusted EBITDA plus cash interest income |
| /operating_model/cells/upside_2026q4_cash_earnings:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_cash_earnings:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_cash_earnings:upside/value | None | 197.50276349999984 |
| /operating_model/cells/upside_2026q4_cash_interest_tax:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q4_cash_interest_tax:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_cash_interest_tax:upside/id | None | upside_2026q4_cash_interest_tax |
| /operating_model/cells/upside_2026q4_cash_interest_tax:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q4_cash_interest_tax:upside/label | None | Cash interest and taxes |
| /operating_model/cells/upside_2026q4_cash_interest_tax:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_cash_interest_tax:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_cash_interest_tax:upside/value | None | 7.0 |
| /operating_model/cells/upside_2026q4_cash_uses:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2026q4_cash_uses:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_cash_uses:upside/formula/op | None | sum |
| /operating_model/cells/upside_2026q4_cash_uses:upside/formula/refs/0 | None | upside_2026q4_cash_adjustments |
| /operating_model/cells/upside_2026q4_cash_uses:upside/formula/refs/1 | None | upside_2026q4_cash_interest_tax |
| /operating_model/cells/upside_2026q4_cash_uses:upside/formula/refs/2 | None | upside_2026q4_wc |
| /operating_model/cells/upside_2026q4_cash_uses:upside/id | None | upside_2026q4_cash_uses |
| /operating_model/cells/upside_2026q4_cash_uses:upside/kind | None | derived |
| /operating_model/cells/upside_2026q4_cash_uses:upside/label | None | Cash adjustments taxes interest and working capital |
| /operating_model/cells/upside_2026q4_cash_uses:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_cash_uses:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_cash_uses:upside/value | None | 29.0 |
| /operating_model/cells/upside_2026q4_cfo:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2026q4_cfo:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_cfo:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2026q4_cfo:upside/formula/refs/0 | None | upside_2026q4_cash_earnings |
| /operating_model/cells/upside_2026q4_cfo:upside/formula/refs/1 | None | upside_2026q4_cash_uses |
| /operating_model/cells/upside_2026q4_cfo:upside/id | None | upside_2026q4_cfo |
| /operating_model/cells/upside_2026q4_cfo:upside/kind | None | derived |
| /operating_model/cells/upside_2026q4_cfo:upside/label | None | Operating cash flow proxy |
| /operating_model/cells/upside_2026q4_cfo:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_cfo:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_cfo:upside/value | None | 168.50276349999984 |
| /operating_model/cells/upside_2026q4_da:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q4_da:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_da:upside/id | None | upside_2026q4_da |
| /operating_model/cells/upside_2026q4_da:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q4_da:upside/label | None | Total D&A |
| /operating_model/cells/upside_2026q4_da:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_da:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_da:upside/value | None | 9.0 |
| /operating_model/cells/upside_2026q4_gaap_adjustments:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2026q4_gaap_adjustments:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_gaap_adjustments:upside/formula/op | None | sum |
| /operating_model/cells/upside_2026q4_gaap_adjustments:upside/formula/refs/0 | None | upside_2026q4_sbc |
| /operating_model/cells/upside_2026q4_gaap_adjustments:upside/formula/refs/1 | None | upside_2026q4_da |
| /operating_model/cells/upside_2026q4_gaap_adjustments:upside/formula/refs/2 | None | upside_2026q4_cash_adjustments |
| /operating_model/cells/upside_2026q4_gaap_adjustments:upside/id | None | upside_2026q4_gaap_adjustments |
| /operating_model/cells/upside_2026q4_gaap_adjustments:upside/kind | None | derived |
| /operating_model/cells/upside_2026q4_gaap_adjustments:upside/label | None | SBC D&A and cash excluded costs |
| /operating_model/cells/upside_2026q4_gaap_adjustments:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_gaap_adjustments:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_gaap_adjustments:upside/value | None | 87.0 |
| /operating_model/cells/upside_2026q4_gross_margin:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q4_gross_margin:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_gross_margin:upside/id | None | upside_2026q4_gross_margin |
| /operating_model/cells/upside_2026q4_gross_margin:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q4_gross_margin:upside/label | None | Gross margin |
| /operating_model/cells/upside_2026q4_gross_margin:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_gross_margin:upside/unit | None | ratio |
| /operating_model/cells/upside_2026q4_gross_margin:upside/value | None | 0.89 |
| /operating_model/cells/upside_2026q4_gross_profit:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2026q4_gross_profit:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_gross_profit:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2026q4_gross_profit:upside/formula/refs/0 | None | upside_2026q4_revenue |
| /operating_model/cells/upside_2026q4_gross_profit:upside/formula/refs/1 | None | upside_2026q4_gross_margin |
| /operating_model/cells/upside_2026q4_gross_profit:upside/id | None | upside_2026q4_gross_profit |
| /operating_model/cells/upside_2026q4_gross_profit:upside/kind | None | derived |
| /operating_model/cells/upside_2026q4_gross_profit:upside/label | None | Gross profit after processing |
| /operating_model/cells/upside_2026q4_gross_profit:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_gross_profit:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_gross_profit:upside/value | None | 714.696255 |
| /operating_model/cells/upside_2026q4_interest_income:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q4_interest_income:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_interest_income:upside/id | None | upside_2026q4_interest_income |
| /operating_model/cells/upside_2026q4_interest_income:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q4_interest_income:upside/label | None | Cash interest income |
| /operating_model/cells/upside_2026q4_interest_income:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_interest_income:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_interest_income:upside/value | None | 8.0 |
| /operating_model/cells/upside_2026q4_investment:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2026q4_investment:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_investment:upside/formula/op | None | sum |
| /operating_model/cells/upside_2026q4_investment:upside/formula/refs/0 | None | upside_2026q4_net_loan_funding |
| /operating_model/cells/upside_2026q4_investment:upside/formula/refs/1 | None | upside_2026q4_capex |
| /operating_model/cells/upside_2026q4_investment:upside/id | None | upside_2026q4_investment |
| /operating_model/cells/upside_2026q4_investment:upside/kind | None | derived |
| /operating_model/cells/upside_2026q4_investment:upside/label | None | Loans and assets |
| /operating_model/cells/upside_2026q4_investment:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_investment:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_investment:upside/value | None | 57.0 |
| /operating_model/cells/upside_2026q4_member_index:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q4_member_index:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_member_index:upside/id | None | upside_2026q4_member_index |
| /operating_model/cells/upside_2026q4_member_index:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q4_member_index:upside/label | None | Active-member exposure index |
| /operating_model/cells/upside_2026q4_member_index:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_member_index:upside/unit | None | ratio |
| /operating_model/cells/upside_2026q4_member_index:upside/value | None | 1.0499999999999998 |
| /operating_model/cells/upside_2026q4_mypay_loss_rate:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q4_mypay_loss_rate:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_mypay_loss_rate:upside/id | None | upside_2026q4_mypay_loss_rate |
| /operating_model/cells/upside_2026q4_mypay_loss_rate:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q4_mypay_loss_rate:upside/label | None | MyPay loss rate |
| /operating_model/cells/upside_2026q4_mypay_loss_rate:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_mypay_loss_rate:upside/unit | None | ratio |
| /operating_model/cells/upside_2026q4_mypay_loss_rate:upside/value | None | 0.0075 |
| /operating_model/cells/upside_2026q4_mypay_losses:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2026q4_mypay_losses:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_mypay_losses:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2026q4_mypay_losses:upside/formula/refs/0 | None | upside_2026q4_mypay_originations |
| /operating_model/cells/upside_2026q4_mypay_losses:upside/formula/refs/1 | None | upside_2026q4_mypay_loss_rate |
| /operating_model/cells/upside_2026q4_mypay_losses:upside/id | None | upside_2026q4_mypay_losses |
| /operating_model/cells/upside_2026q4_mypay_losses:upside/kind | None | derived |
| /operating_model/cells/upside_2026q4_mypay_losses:upside/label | None | MyPay loss allowance |
| /operating_model/cells/upside_2026q4_mypay_losses:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_mypay_losses:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_mypay_losses:upside/value | None | 41.25 |
| /operating_model/cells/upside_2026q4_mypay_originations:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q4_mypay_originations:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_mypay_originations:upside/id | None | upside_2026q4_mypay_originations |
| /operating_model/cells/upside_2026q4_mypay_originations:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q4_mypay_originations:upside/label | None | MyPay origination activity |
| /operating_model/cells/upside_2026q4_mypay_originations:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_mypay_originations:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_mypay_originations:upside/value | None | 5500.0 |
| /operating_model/cells/upside_2026q4_net_loan_funding:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q4_net_loan_funding:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_net_loan_funding:upside/id | None | upside_2026q4_net_loan_funding |
| /operating_model/cells/upside_2026q4_net_loan_funding:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q4_net_loan_funding:upside/label | None | Loans purchased less repayments |
| /operating_model/cells/upside_2026q4_net_loan_funding:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_net_loan_funding:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_net_loan_funding:upside/value | None | 46.0 |
| /operating_model/cells/upside_2026q4_operating_income:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2026q4_operating_income:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_operating_income:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2026q4_operating_income:upside/formula/refs/0 | None | upside_2026q4_adj_ebitda |
| /operating_model/cells/upside_2026q4_operating_income:upside/formula/refs/1 | None | upside_2026q4_gaap_adjustments |
| /operating_model/cells/upside_2026q4_operating_income:upside/id | None | upside_2026q4_operating_income |
| /operating_model/cells/upside_2026q4_operating_income:upside/kind | None | derived |
| /operating_model/cells/upside_2026q4_operating_income:upside/label | None | Operating income proxy |
| /operating_model/cells/upside_2026q4_operating_income:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_operating_income:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_operating_income:upside/value | None | 102.50276349999984 |
| /operating_model/cells/upside_2026q4_other_risk:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q4_other_risk:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_other_risk:upside/id | None | upside_2026q4_other_risk |
| /operating_model/cells/upside_2026q4_other_risk:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q4_other_risk:upside/label | None | Other lending, dispute and risk cost |
| /operating_model/cells/upside_2026q4_other_risk:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_other_risk:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_other_risk:upside/value | None | 71.07000000000001 |
| /operating_model/cells/upside_2026q4_payment_yield:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q4_payment_yield:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_payment_yield:upside/id | None | upside_2026q4_payment_yield |
| /operating_model/cells/upside_2026q4_payment_yield:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q4_payment_yield:upside/label | None | Net payments yield |
| /operating_model/cells/upside_2026q4_payment_yield:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_payment_yield:upside/unit | None | ratio |
| /operating_model/cells/upside_2026q4_payment_yield:upside/value | None | 0.01119047619047619 |
| /operating_model/cells/upside_2026q4_payments:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2026q4_payments:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_payments:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2026q4_payments:upside/formula/refs/0 | None | upside_2026q4_purchase_volume |
| /operating_model/cells/upside_2026q4_payments:upside/formula/refs/1 | None | upside_2026q4_payment_yield |
| /operating_model/cells/upside_2026q4_payments:upside/id | None | upside_2026q4_payments |
| /operating_model/cells/upside_2026q4_payments:upside/kind | None | derived |
| /operating_model/cells/upside_2026q4_payments:upside/label | None | Payments revenue |
| /operating_model/cells/upside_2026q4_payments:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_payments:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_payments:upside/value | None | 502.9 |
| /operating_model/cells/upside_2026q4_platform:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2026q4_platform:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_platform:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2026q4_platform:upside/formula/refs/0 | None | q2_platform |
| /operating_model/cells/upside_2026q4_platform:upside/formula/refs/1 | None | upside_2026q4_member_index |
| /operating_model/cells/upside_2026q4_platform:upside/formula/refs/2 | None | upside_2026q4_platform_monetization |
| /operating_model/cells/upside_2026q4_platform:upside/id | None | upside_2026q4_platform |
| /operating_model/cells/upside_2026q4_platform:upside/kind | None | derived |
| /operating_model/cells/upside_2026q4_platform:upside/label | None | Platform revenue |
| /operating_model/cells/upside_2026q4_platform:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_platform:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_platform:upside/value | None | 300.1295 |
| /operating_model/cells/upside_2026q4_platform_monetization:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q4_platform_monetization:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_platform_monetization:upside/id | None | upside_2026q4_platform_monetization |
| /operating_model/cells/upside_2026q4_platform_monetization:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q4_platform_monetization:upside/label | None | Platform monetization index |
| /operating_model/cells/upside_2026q4_platform_monetization:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_platform_monetization:upside/unit | None | ratio |
| /operating_model/cells/upside_2026q4_platform_monetization:upside/value | None | 1.1922866911416963 |
| /operating_model/cells/upside_2026q4_purchase_volume:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q4_purchase_volume:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_purchase_volume:upside/id | None | upside_2026q4_purchase_volume |
| /operating_model/cells/upside_2026q4_purchase_volume:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q4_purchase_volume:upside/label | None | Purchase volume |
| /operating_model/cells/upside_2026q4_purchase_volume:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_purchase_volume:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_purchase_volume:upside/value | None | 44940.0 |
| /operating_model/cells/upside_2026q4_revenue:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2026q4_revenue:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_revenue:upside/formula/op | None | sum |
| /operating_model/cells/upside_2026q4_revenue:upside/formula/refs/0 | None | upside_2026q4_payments |
| /operating_model/cells/upside_2026q4_revenue:upside/formula/refs/1 | None | upside_2026q4_platform |
| /operating_model/cells/upside_2026q4_revenue:upside/id | None | upside_2026q4_revenue |
| /operating_model/cells/upside_2026q4_revenue:upside/kind | None | derived |
| /operating_model/cells/upside_2026q4_revenue:upside/label | None | Revenue |
| /operating_model/cells/upside_2026q4_revenue:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_revenue:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_revenue:upside/value | None | 803.0295 |
| /operating_model/cells/upside_2026q4_risk:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2026q4_risk:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_risk:upside/formula/op | None | sum |
| /operating_model/cells/upside_2026q4_risk:upside/formula/refs/0 | None | upside_2026q4_mypay_losses |
| /operating_model/cells/upside_2026q4_risk:upside/formula/refs/1 | None | upside_2026q4_other_risk |
| /operating_model/cells/upside_2026q4_risk:upside/id | None | upside_2026q4_risk |
| /operating_model/cells/upside_2026q4_risk:upside/kind | None | derived |
| /operating_model/cells/upside_2026q4_risk:upside/label | None | Transaction and risk loss allowance |
| /operating_model/cells/upside_2026q4_risk:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_risk:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_risk:upside/value | None | 112.32000000000001 |
| /operating_model/cells/upside_2026q4_sbc:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q4_sbc:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_sbc:upside/id | None | upside_2026q4_sbc |
| /operating_model/cells/upside_2026q4_sbc:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q4_sbc:upside/label | None | Total SBC and stock charitable cost |
| /operating_model/cells/upside_2026q4_sbc:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_sbc:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_sbc:upside/value | None | 76.0 |
| /operating_model/cells/upside_2026q4_stride_closing:upside/basis | None | Conditional quarter placement; expected H1 2027, downside assumes delay. No acquired operations or synergy booked. |
| /operating_model/cells/upside_2026q4_stride_closing:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_stride_closing:upside/id | None | upside_2026q4_stride_closing |
| /operating_model/cells/upside_2026q4_stride_closing:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q4_stride_closing:upside/label | None | Stride closing switch |
| /operating_model/cells/upside_2026q4_stride_closing:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_stride_closing:upside/unit | None | ratio |
| /operating_model/cells/upside_2026q4_stride_closing:upside/value | None | 0.0 |
| /operating_model/cells/upside_2026q4_transaction_profit:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2026q4_transaction_profit:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_transaction_profit:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2026q4_transaction_profit:upside/formula/refs/0 | None | upside_2026q4_gross_profit |
| /operating_model/cells/upside_2026q4_transaction_profit:upside/formula/refs/1 | None | upside_2026q4_risk |
| /operating_model/cells/upside_2026q4_transaction_profit:upside/id | None | upside_2026q4_transaction_profit |
| /operating_model/cells/upside_2026q4_transaction_profit:upside/kind | None | derived |
| /operating_model/cells/upside_2026q4_transaction_profit:upside/label | None | Transaction profit |
| /operating_model/cells/upside_2026q4_transaction_profit:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_transaction_profit:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_transaction_profit:upside/value | None | 602.3762549999999 |
| /operating_model/cells/upside_2026q4_wc:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q4_wc:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_wc:upside/id | None | upside_2026q4_wc |
| /operating_model/cells/upside_2026q4_wc:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q4_wc:upside/label | None | Product collateral and net operating working-capital use |
| /operating_model/cells/upside_2026q4_wc:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_wc:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_wc:upside/value | None | 20.0 |
| /operating_model/cells/upside_2027q1_acquisition_cash:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2027q1_acquisition_cash:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_acquisition_cash:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2027q1_acquisition_cash:upside/formula/refs/0 | None | stride_price |
| /operating_model/cells/upside_2027q1_acquisition_cash:upside/formula/refs/1 | None | upside_2027q1_stride_closing |
| /operating_model/cells/upside_2027q1_acquisition_cash:upside/id | None | upside_2027q1_acquisition_cash |
| /operating_model/cells/upside_2027q1_acquisition_cash:upside/kind | None | derived |
| /operating_model/cells/upside_2027q1_acquisition_cash:upside/label | None | Conditional Stride purchase cash |
| /operating_model/cells/upside_2027q1_acquisition_cash:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_acquisition_cash:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_acquisition_cash:upside/value | None | 590.0 |
| /operating_model/cells/upside_2027q1_adj_ebitda:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2027q1_adj_ebitda:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_adj_ebitda:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q1_adj_ebitda:upside/formula/refs/0 | None | upside_2027q1_transaction_profit |
| /operating_model/cells/upside_2027q1_adj_ebitda:upside/formula/refs/1 | None | upside_2027q1_adjusted_costs |
| /operating_model/cells/upside_2027q1_adj_ebitda:upside/id | None | upside_2027q1_adj_ebitda |
| /operating_model/cells/upside_2027q1_adj_ebitda:upside/kind | None | derived |
| /operating_model/cells/upside_2027q1_adj_ebitda:upside/label | None | Adjusted EBITDA proxy |
| /operating_model/cells/upside_2027q1_adj_ebitda:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_adj_ebitda:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_adj_ebitda:upside/value | None | 227.30900000000003 |
| /operating_model/cells/upside_2027q1_adjusted_costs:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q1_adjusted_costs:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_adjusted_costs:upside/id | None | upside_2027q1_adjusted_costs |
| /operating_model/cells/upside_2027q1_adjusted_costs:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q1_adjusted_costs:upside/label | None | Adjusted product, sales and corporate cost |
| /operating_model/cells/upside_2027q1_adjusted_costs:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_adjusted_costs:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_adjusted_costs:upside/value | None | 414.575 |
| /operating_model/cells/upside_2027q1_capex:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q1_capex:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_capex:upside/id | None | upside_2027q1_capex |
| /operating_model/cells/upside_2027q1_capex:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q1_capex:upside/label | None | PP&E and purchased/internal software cash |
| /operating_model/cells/upside_2027q1_capex:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_capex:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_capex:upside/value | None | 12.0 |
| /operating_model/cells/upside_2027q1_cash_adjustments:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q1_cash_adjustments:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_cash_adjustments:upside/id | None | upside_2027q1_cash_adjustments |
| /operating_model/cells/upside_2027q1_cash_adjustments:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q1_cash_adjustments:upside/label | None | Cash costs excluded from adjusted EBITDA |
| /operating_model/cells/upside_2027q1_cash_adjustments:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_cash_adjustments:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_cash_adjustments:upside/value | None | 2.0 |
| /operating_model/cells/upside_2027q1_cash_after_acquisition:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2027q1_cash_after_acquisition:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_cash_after_acquisition:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q1_cash_after_acquisition:upside/formula/refs/0 | None | upside_2027q1_cash_after_funding |
| /operating_model/cells/upside_2027q1_cash_after_acquisition:upside/formula/refs/1 | None | upside_2027q1_acquisition_cash |
| /operating_model/cells/upside_2027q1_cash_after_acquisition:upside/id | None | upside_2027q1_cash_after_acquisition |
| /operating_model/cells/upside_2027q1_cash_after_acquisition:upside/kind | None | derived |
| /operating_model/cells/upside_2027q1_cash_after_acquisition:upside/label | None | Cash after proposed bank purchase |
| /operating_model/cells/upside_2027q1_cash_after_acquisition:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_cash_after_acquisition:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_cash_after_acquisition:upside/value | None | -454.441 |
| /operating_model/cells/upside_2027q1_cash_after_funding:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2027q1_cash_after_funding:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_cash_after_funding:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q1_cash_after_funding:upside/formula/refs/0 | None | upside_2027q1_cfo |
| /operating_model/cells/upside_2027q1_cash_after_funding:upside/formula/refs/1 | None | upside_2027q1_investment |
| /operating_model/cells/upside_2027q1_cash_after_funding:upside/id | None | upside_2027q1_cash_after_funding |
| /operating_model/cells/upside_2027q1_cash_after_funding:upside/kind | None | derived |
| /operating_model/cells/upside_2027q1_cash_after_funding:upside/label | None | Cash after loan funding and assets |
| /operating_model/cells/upside_2027q1_cash_after_funding:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_cash_after_funding:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_cash_after_funding:upside/value | None | 135.55900000000003 |
| /operating_model/cells/upside_2027q1_cash_earnings:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2027q1_cash_earnings:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_cash_earnings:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q1_cash_earnings:upside/formula/refs/0 | None | upside_2027q1_adj_ebitda |
| /operating_model/cells/upside_2027q1_cash_earnings:upside/formula/refs/1 | None | upside_2027q1_interest_income |
| /operating_model/cells/upside_2027q1_cash_earnings:upside/id | None | upside_2027q1_cash_earnings |
| /operating_model/cells/upside_2027q1_cash_earnings:upside/kind | None | derived |
| /operating_model/cells/upside_2027q1_cash_earnings:upside/label | None | Adjusted EBITDA plus cash interest income |
| /operating_model/cells/upside_2027q1_cash_earnings:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_cash_earnings:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_cash_earnings:upside/value | None | 235.30900000000003 |
| /operating_model/cells/upside_2027q1_cash_interest_tax:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q1_cash_interest_tax:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_cash_interest_tax:upside/id | None | upside_2027q1_cash_interest_tax |
| /operating_model/cells/upside_2027q1_cash_interest_tax:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q1_cash_interest_tax:upside/label | None | Cash interest and taxes |
| /operating_model/cells/upside_2027q1_cash_interest_tax:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_cash_interest_tax:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_cash_interest_tax:upside/value | None | 9.0 |
| /operating_model/cells/upside_2027q1_cash_uses:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2027q1_cash_uses:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_cash_uses:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q1_cash_uses:upside/formula/refs/0 | None | upside_2027q1_cash_adjustments |
| /operating_model/cells/upside_2027q1_cash_uses:upside/formula/refs/1 | None | upside_2027q1_cash_interest_tax |
| /operating_model/cells/upside_2027q1_cash_uses:upside/formula/refs/2 | None | upside_2027q1_wc |
| /operating_model/cells/upside_2027q1_cash_uses:upside/id | None | upside_2027q1_cash_uses |
| /operating_model/cells/upside_2027q1_cash_uses:upside/kind | None | derived |
| /operating_model/cells/upside_2027q1_cash_uses:upside/label | None | Cash adjustments taxes interest and working capital |
| /operating_model/cells/upside_2027q1_cash_uses:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_cash_uses:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_cash_uses:upside/value | None | 36.0 |
| /operating_model/cells/upside_2027q1_cfo:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2027q1_cfo:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_cfo:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q1_cfo:upside/formula/refs/0 | None | upside_2027q1_cash_earnings |
| /operating_model/cells/upside_2027q1_cfo:upside/formula/refs/1 | None | upside_2027q1_cash_uses |
| /operating_model/cells/upside_2027q1_cfo:upside/id | None | upside_2027q1_cfo |
| /operating_model/cells/upside_2027q1_cfo:upside/kind | None | derived |
| /operating_model/cells/upside_2027q1_cfo:upside/label | None | Operating cash flow proxy |
| /operating_model/cells/upside_2027q1_cfo:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_cfo:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_cfo:upside/value | None | 199.30900000000003 |
| /operating_model/cells/upside_2027q1_da:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q1_da:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_da:upside/id | None | upside_2027q1_da |
| /operating_model/cells/upside_2027q1_da:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q1_da:upside/label | None | Total D&A |
| /operating_model/cells/upside_2027q1_da:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_da:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_da:upside/value | None | 10.0 |
| /operating_model/cells/upside_2027q1_gaap_adjustments:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2027q1_gaap_adjustments:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_gaap_adjustments:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q1_gaap_adjustments:upside/formula/refs/0 | None | upside_2027q1_sbc |
| /operating_model/cells/upside_2027q1_gaap_adjustments:upside/formula/refs/1 | None | upside_2027q1_da |
| /operating_model/cells/upside_2027q1_gaap_adjustments:upside/formula/refs/2 | None | upside_2027q1_cash_adjustments |
| /operating_model/cells/upside_2027q1_gaap_adjustments:upside/id | None | upside_2027q1_gaap_adjustments |
| /operating_model/cells/upside_2027q1_gaap_adjustments:upside/kind | None | derived |
| /operating_model/cells/upside_2027q1_gaap_adjustments:upside/label | None | SBC D&A and cash excluded costs |
| /operating_model/cells/upside_2027q1_gaap_adjustments:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_gaap_adjustments:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_gaap_adjustments:upside/value | None | 92.0 |
| /operating_model/cells/upside_2027q1_gross_margin:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q1_gross_margin:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_gross_margin:upside/id | None | upside_2027q1_gross_margin |
| /operating_model/cells/upside_2027q1_gross_margin:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q1_gross_margin:upside/label | None | Gross margin |
| /operating_model/cells/upside_2027q1_gross_margin:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_gross_margin:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q1_gross_margin:upside/value | None | 0.89 |
| /operating_model/cells/upside_2027q1_gross_profit:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2027q1_gross_profit:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_gross_profit:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2027q1_gross_profit:upside/formula/refs/0 | None | upside_2027q1_revenue |
| /operating_model/cells/upside_2027q1_gross_profit:upside/formula/refs/1 | None | upside_2027q1_gross_margin |
| /operating_model/cells/upside_2027q1_gross_profit:upside/id | None | upside_2027q1_gross_profit |
| /operating_model/cells/upside_2027q1_gross_profit:upside/kind | None | derived |
| /operating_model/cells/upside_2027q1_gross_profit:upside/label | None | Gross profit after processing |
| /operating_model/cells/upside_2027q1_gross_profit:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_gross_profit:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_gross_profit:upside/value | None | 760.594 |
| /operating_model/cells/upside_2027q1_interest_income:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q1_interest_income:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_interest_income:upside/id | None | upside_2027q1_interest_income |
| /operating_model/cells/upside_2027q1_interest_income:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q1_interest_income:upside/label | None | Cash interest income |
| /operating_model/cells/upside_2027q1_interest_income:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_interest_income:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_interest_income:upside/value | None | 8.0 |
| /operating_model/cells/upside_2027q1_investment:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2027q1_investment:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_investment:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q1_investment:upside/formula/refs/0 | None | upside_2027q1_net_loan_funding |
| /operating_model/cells/upside_2027q1_investment:upside/formula/refs/1 | None | upside_2027q1_capex |
| /operating_model/cells/upside_2027q1_investment:upside/id | None | upside_2027q1_investment |
| /operating_model/cells/upside_2027q1_investment:upside/kind | None | derived |
| /operating_model/cells/upside_2027q1_investment:upside/label | None | Loans and assets |
| /operating_model/cells/upside_2027q1_investment:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_investment:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_investment:upside/value | None | 63.74999999999999 |
| /operating_model/cells/upside_2027q1_member_index:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q1_member_index:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_member_index:upside/id | None | upside_2027q1_member_index |
| /operating_model/cells/upside_2027q1_member_index:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q1_member_index:upside/label | None | Active-member exposure index |
| /operating_model/cells/upside_2027q1_member_index:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_member_index:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q1_member_index:upside/value | None | 1.075 |
| /operating_model/cells/upside_2027q1_mypay_loss_rate:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q1_mypay_loss_rate:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_mypay_loss_rate:upside/id | None | upside_2027q1_mypay_loss_rate |
| /operating_model/cells/upside_2027q1_mypay_loss_rate:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q1_mypay_loss_rate:upside/label | None | MyPay loss rate |
| /operating_model/cells/upside_2027q1_mypay_loss_rate:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_mypay_loss_rate:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q1_mypay_loss_rate:upside/value | None | 0.0075 |
| /operating_model/cells/upside_2027q1_mypay_losses:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2027q1_mypay_losses:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_mypay_losses:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2027q1_mypay_losses:upside/formula/refs/0 | None | upside_2027q1_mypay_originations |
| /operating_model/cells/upside_2027q1_mypay_losses:upside/formula/refs/1 | None | upside_2027q1_mypay_loss_rate |
| /operating_model/cells/upside_2027q1_mypay_losses:upside/id | None | upside_2027q1_mypay_losses |
| /operating_model/cells/upside_2027q1_mypay_losses:upside/kind | None | derived |
| /operating_model/cells/upside_2027q1_mypay_losses:upside/label | None | MyPay loss allowance |
| /operating_model/cells/upside_2027q1_mypay_losses:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_mypay_losses:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_mypay_losses:upside/value | None | 44.550000000000004 |
| /operating_model/cells/upside_2027q1_mypay_originations:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q1_mypay_originations:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_mypay_originations:upside/id | None | upside_2027q1_mypay_originations |
| /operating_model/cells/upside_2027q1_mypay_originations:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q1_mypay_originations:upside/label | None | MyPay origination activity |
| /operating_model/cells/upside_2027q1_mypay_originations:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_mypay_originations:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_mypay_originations:upside/value | None | 5940.000000000001 |
| /operating_model/cells/upside_2027q1_net_loan_funding:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q1_net_loan_funding:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_net_loan_funding:upside/id | None | upside_2027q1_net_loan_funding |
| /operating_model/cells/upside_2027q1_net_loan_funding:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q1_net_loan_funding:upside/label | None | Loans purchased less repayments |
| /operating_model/cells/upside_2027q1_net_loan_funding:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_net_loan_funding:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_net_loan_funding:upside/value | None | 51.74999999999999 |
| /operating_model/cells/upside_2027q1_operating_income:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2027q1_operating_income:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_operating_income:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q1_operating_income:upside/formula/refs/0 | None | upside_2027q1_adj_ebitda |
| /operating_model/cells/upside_2027q1_operating_income:upside/formula/refs/1 | None | upside_2027q1_gaap_adjustments |
| /operating_model/cells/upside_2027q1_operating_income:upside/id | None | upside_2027q1_operating_income |
| /operating_model/cells/upside_2027q1_operating_income:upside/kind | None | derived |
| /operating_model/cells/upside_2027q1_operating_income:upside/label | None | Operating income proxy |
| /operating_model/cells/upside_2027q1_operating_income:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_operating_income:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_operating_income:upside/value | None | 135.30900000000003 |
| /operating_model/cells/upside_2027q1_other_risk:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q1_other_risk:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_other_risk:upside/id | None | upside_2027q1_other_risk |
| /operating_model/cells/upside_2027q1_other_risk:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q1_other_risk:upside/label | None | Other lending, dispute and risk cost |
| /operating_model/cells/upside_2027q1_other_risk:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_other_risk:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_other_risk:upside/value | None | 74.16 |
| /operating_model/cells/upside_2027q1_payment_yield:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q1_payment_yield:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_payment_yield:upside/id | None | upside_2027q1_payment_yield |
| /operating_model/cells/upside_2027q1_payment_yield:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q1_payment_yield:upside/label | None | Net payments yield |
| /operating_model/cells/upside_2027q1_payment_yield:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_payment_yield:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q1_payment_yield:upside/value | None | 0.011294117647058824 |
| /operating_model/cells/upside_2027q1_payments:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2027q1_payments:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_payments:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2027q1_payments:upside/formula/refs/0 | None | upside_2027q1_purchase_volume |
| /operating_model/cells/upside_2027q1_payments:upside/formula/refs/1 | None | upside_2027q1_payment_yield |
| /operating_model/cells/upside_2027q1_payments:upside/id | None | upside_2027q1_payments |
| /operating_model/cells/upside_2027q1_payments:upside/kind | None | derived |
| /operating_model/cells/upside_2027q1_payments:upside/label | None | Payments revenue |
| /operating_model/cells/upside_2027q1_payments:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_payments:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_payments:upside/value | None | 513.6 |
| /operating_model/cells/upside_2027q1_platform:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2027q1_platform:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_platform:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2027q1_platform:upside/formula/refs/0 | None | q2_platform |
| /operating_model/cells/upside_2027q1_platform:upside/formula/refs/1 | None | upside_2027q1_member_index |
| /operating_model/cells/upside_2027q1_platform:upside/formula/refs/2 | None | upside_2027q1_platform_monetization |
| /operating_model/cells/upside_2027q1_platform:upside/id | None | upside_2027q1_platform |
| /operating_model/cells/upside_2027q1_platform:upside/kind | None | derived |
| /operating_model/cells/upside_2027q1_platform:upside/label | None | Platform revenue |
| /operating_model/cells/upside_2027q1_platform:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_platform:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_platform:upside/value | None | 341.0 |
| /operating_model/cells/upside_2027q1_platform_monetization:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q1_platform_monetization:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_platform_monetization:upside/id | None | upside_2027q1_platform_monetization |
| /operating_model/cells/upside_2027q1_platform_monetization:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q1_platform_monetization:upside/label | None | Platform monetization index |
| /operating_model/cells/upside_2027q1_platform_monetization:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_platform_monetization:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q1_platform_monetization:upside/value | None | 1.3231443458326821 |
| /operating_model/cells/upside_2027q1_purchase_volume:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q1_purchase_volume:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_purchase_volume:upside/id | None | upside_2027q1_purchase_volume |
| /operating_model/cells/upside_2027q1_purchase_volume:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q1_purchase_volume:upside/label | None | Purchase volume |
| /operating_model/cells/upside_2027q1_purchase_volume:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_purchase_volume:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_purchase_volume:upside/value | None | 45475.0 |
| /operating_model/cells/upside_2027q1_revenue:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2027q1_revenue:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_revenue:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q1_revenue:upside/formula/refs/0 | None | upside_2027q1_payments |
| /operating_model/cells/upside_2027q1_revenue:upside/formula/refs/1 | None | upside_2027q1_platform |
| /operating_model/cells/upside_2027q1_revenue:upside/id | None | upside_2027q1_revenue |
| /operating_model/cells/upside_2027q1_revenue:upside/kind | None | derived |
| /operating_model/cells/upside_2027q1_revenue:upside/label | None | Revenue |
| /operating_model/cells/upside_2027q1_revenue:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_revenue:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_revenue:upside/value | None | 854.6 |
| /operating_model/cells/upside_2027q1_risk:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2027q1_risk:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_risk:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q1_risk:upside/formula/refs/0 | None | upside_2027q1_mypay_losses |
| /operating_model/cells/upside_2027q1_risk:upside/formula/refs/1 | None | upside_2027q1_other_risk |
| /operating_model/cells/upside_2027q1_risk:upside/id | None | upside_2027q1_risk |
| /operating_model/cells/upside_2027q1_risk:upside/kind | None | derived |
| /operating_model/cells/upside_2027q1_risk:upside/label | None | Transaction and risk loss allowance |
| /operating_model/cells/upside_2027q1_risk:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_risk:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_risk:upside/value | None | 118.71000000000001 |
| /operating_model/cells/upside_2027q1_sbc:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q1_sbc:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_sbc:upside/id | None | upside_2027q1_sbc |
| /operating_model/cells/upside_2027q1_sbc:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q1_sbc:upside/label | None | Total SBC and stock charitable cost |
| /operating_model/cells/upside_2027q1_sbc:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_sbc:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_sbc:upside/value | None | 80.0 |
| /operating_model/cells/upside_2027q1_stride_closing:upside/basis | None | Conditional quarter placement; expected H1 2027, downside assumes delay. No acquired operations or synergy booked. |
| /operating_model/cells/upside_2027q1_stride_closing:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_stride_closing:upside/id | None | upside_2027q1_stride_closing |
| /operating_model/cells/upside_2027q1_stride_closing:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q1_stride_closing:upside/label | None | Stride closing switch |
| /operating_model/cells/upside_2027q1_stride_closing:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_stride_closing:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q1_stride_closing:upside/value | None | 1.0 |
| /operating_model/cells/upside_2027q1_transaction_profit:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2027q1_transaction_profit:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_transaction_profit:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q1_transaction_profit:upside/formula/refs/0 | None | upside_2027q1_gross_profit |
| /operating_model/cells/upside_2027q1_transaction_profit:upside/formula/refs/1 | None | upside_2027q1_risk |
| /operating_model/cells/upside_2027q1_transaction_profit:upside/id | None | upside_2027q1_transaction_profit |
| /operating_model/cells/upside_2027q1_transaction_profit:upside/kind | None | derived |
| /operating_model/cells/upside_2027q1_transaction_profit:upside/label | None | Transaction profit |
| /operating_model/cells/upside_2027q1_transaction_profit:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_transaction_profit:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_transaction_profit:upside/value | None | 641.884 |
| /operating_model/cells/upside_2027q1_wc:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q1_wc:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_wc:upside/id | None | upside_2027q1_wc |
| /operating_model/cells/upside_2027q1_wc:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q1_wc:upside/label | None | Product collateral and net operating working-capital use |
| /operating_model/cells/upside_2027q1_wc:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_wc:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_wc:upside/value | None | 25.0 |
| /operating_model/cells/upside_2027q2_acquisition_cash:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2027q2_acquisition_cash:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_acquisition_cash:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2027q2_acquisition_cash:upside/formula/refs/0 | None | stride_price |
| /operating_model/cells/upside_2027q2_acquisition_cash:upside/formula/refs/1 | None | upside_2027q2_stride_closing |
| /operating_model/cells/upside_2027q2_acquisition_cash:upside/id | None | upside_2027q2_acquisition_cash |
| /operating_model/cells/upside_2027q2_acquisition_cash:upside/kind | None | derived |
| /operating_model/cells/upside_2027q2_acquisition_cash:upside/label | None | Conditional Stride purchase cash |
| /operating_model/cells/upside_2027q2_acquisition_cash:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_acquisition_cash:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_acquisition_cash:upside/value | None | 0.0 |
| /operating_model/cells/upside_2027q2_adj_ebitda:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2027q2_adj_ebitda:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_adj_ebitda:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q2_adj_ebitda:upside/formula/refs/0 | None | upside_2027q2_transaction_profit |
| /operating_model/cells/upside_2027q2_adj_ebitda:upside/formula/refs/1 | None | upside_2027q2_adjusted_costs |
| /operating_model/cells/upside_2027q2_adj_ebitda:upside/id | None | upside_2027q2_adj_ebitda |
| /operating_model/cells/upside_2027q2_adj_ebitda:upside/kind | None | derived |
| /operating_model/cells/upside_2027q2_adj_ebitda:upside/label | None | Adjusted EBITDA proxy |
| /operating_model/cells/upside_2027q2_adj_ebitda:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_adj_ebitda:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_adj_ebitda:upside/value | None | 234.51350000000008 |
| /operating_model/cells/upside_2027q2_adjusted_costs:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q2_adjusted_costs:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_adjusted_costs:upside/id | None | upside_2027q2_adjusted_costs |
| /operating_model/cells/upside_2027q2_adjusted_costs:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q2_adjusted_costs:upside/label | None | Adjusted product, sales and corporate cost |
| /operating_model/cells/upside_2027q2_adjusted_costs:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_adjusted_costs:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_adjusted_costs:upside/value | None | 434.71149999999994 |
| /operating_model/cells/upside_2027q2_capex:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q2_capex:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_capex:upside/id | None | upside_2027q2_capex |
| /operating_model/cells/upside_2027q2_capex:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q2_capex:upside/label | None | PP&E and purchased/internal software cash |
| /operating_model/cells/upside_2027q2_capex:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_capex:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_capex:upside/value | None | 13.0 |
| /operating_model/cells/upside_2027q2_cash_adjustments:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q2_cash_adjustments:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_cash_adjustments:upside/id | None | upside_2027q2_cash_adjustments |
| /operating_model/cells/upside_2027q2_cash_adjustments:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q2_cash_adjustments:upside/label | None | Cash costs excluded from adjusted EBITDA |
| /operating_model/cells/upside_2027q2_cash_adjustments:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_cash_adjustments:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_cash_adjustments:upside/value | None | 2.0 |
| /operating_model/cells/upside_2027q2_cash_after_acquisition:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2027q2_cash_after_acquisition:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_cash_after_acquisition:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q2_cash_after_acquisition:upside/formula/refs/0 | None | upside_2027q2_cash_after_funding |
| /operating_model/cells/upside_2027q2_cash_after_acquisition:upside/formula/refs/1 | None | upside_2027q2_acquisition_cash |
| /operating_model/cells/upside_2027q2_cash_after_acquisition:upside/id | None | upside_2027q2_cash_after_acquisition |
| /operating_model/cells/upside_2027q2_cash_after_acquisition:upside/kind | None | derived |
| /operating_model/cells/upside_2027q2_cash_after_acquisition:upside/label | None | Cash after proposed bank purchase |
| /operating_model/cells/upside_2027q2_cash_after_acquisition:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_cash_after_acquisition:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_cash_after_acquisition:upside/value | None | 126.01350000000008 |
| /operating_model/cells/upside_2027q2_cash_after_funding:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2027q2_cash_after_funding:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_cash_after_funding:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q2_cash_after_funding:upside/formula/refs/0 | None | upside_2027q2_cfo |
| /operating_model/cells/upside_2027q2_cash_after_funding:upside/formula/refs/1 | None | upside_2027q2_investment |
| /operating_model/cells/upside_2027q2_cash_after_funding:upside/id | None | upside_2027q2_cash_after_funding |
| /operating_model/cells/upside_2027q2_cash_after_funding:upside/kind | None | derived |
| /operating_model/cells/upside_2027q2_cash_after_funding:upside/label | None | Cash after loan funding and assets |
| /operating_model/cells/upside_2027q2_cash_after_funding:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_cash_after_funding:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_cash_after_funding:upside/value | None | 126.01350000000008 |
| /operating_model/cells/upside_2027q2_cash_earnings:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2027q2_cash_earnings:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_cash_earnings:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q2_cash_earnings:upside/formula/refs/0 | None | upside_2027q2_adj_ebitda |
| /operating_model/cells/upside_2027q2_cash_earnings:upside/formula/refs/1 | None | upside_2027q2_interest_income |
| /operating_model/cells/upside_2027q2_cash_earnings:upside/id | None | upside_2027q2_cash_earnings |
| /operating_model/cells/upside_2027q2_cash_earnings:upside/kind | None | derived |
| /operating_model/cells/upside_2027q2_cash_earnings:upside/label | None | Adjusted EBITDA plus cash interest income |
| /operating_model/cells/upside_2027q2_cash_earnings:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_cash_earnings:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_cash_earnings:upside/value | None | 239.51350000000008 |
| /operating_model/cells/upside_2027q2_cash_interest_tax:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q2_cash_interest_tax:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_cash_interest_tax:upside/id | None | upside_2027q2_cash_interest_tax |
| /operating_model/cells/upside_2027q2_cash_interest_tax:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q2_cash_interest_tax:upside/label | None | Cash interest and taxes |
| /operating_model/cells/upside_2027q2_cash_interest_tax:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_cash_interest_tax:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_cash_interest_tax:upside/value | None | 11.0 |
| /operating_model/cells/upside_2027q2_cash_uses:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2027q2_cash_uses:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_cash_uses:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q2_cash_uses:upside/formula/refs/0 | None | upside_2027q2_cash_adjustments |
| /operating_model/cells/upside_2027q2_cash_uses:upside/formula/refs/1 | None | upside_2027q2_cash_interest_tax |
| /operating_model/cells/upside_2027q2_cash_uses:upside/formula/refs/2 | None | upside_2027q2_wc |
| /operating_model/cells/upside_2027q2_cash_uses:upside/id | None | upside_2027q2_cash_uses |
| /operating_model/cells/upside_2027q2_cash_uses:upside/kind | None | derived |
| /operating_model/cells/upside_2027q2_cash_uses:upside/label | None | Cash adjustments taxes interest and working capital |
| /operating_model/cells/upside_2027q2_cash_uses:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_cash_uses:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_cash_uses:upside/value | None | 43.0 |
| /operating_model/cells/upside_2027q2_cfo:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2027q2_cfo:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_cfo:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q2_cfo:upside/formula/refs/0 | None | upside_2027q2_cash_earnings |
| /operating_model/cells/upside_2027q2_cfo:upside/formula/refs/1 | None | upside_2027q2_cash_uses |
| /operating_model/cells/upside_2027q2_cfo:upside/id | None | upside_2027q2_cfo |
| /operating_model/cells/upside_2027q2_cfo:upside/kind | None | derived |
| /operating_model/cells/upside_2027q2_cfo:upside/label | None | Operating cash flow proxy |
| /operating_model/cells/upside_2027q2_cfo:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_cfo:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_cfo:upside/value | None | 196.51350000000008 |
| /operating_model/cells/upside_2027q2_da:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q2_da:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_da:upside/id | None | upside_2027q2_da |
| /operating_model/cells/upside_2027q2_da:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q2_da:upside/label | None | Total D&A |
| /operating_model/cells/upside_2027q2_da:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_da:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_da:upside/value | None | 11.0 |
| /operating_model/cells/upside_2027q2_gaap_adjustments:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2027q2_gaap_adjustments:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_gaap_adjustments:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q2_gaap_adjustments:upside/formula/refs/0 | None | upside_2027q2_sbc |
| /operating_model/cells/upside_2027q2_gaap_adjustments:upside/formula/refs/1 | None | upside_2027q2_da |
| /operating_model/cells/upside_2027q2_gaap_adjustments:upside/formula/refs/2 | None | upside_2027q2_cash_adjustments |
| /operating_model/cells/upside_2027q2_gaap_adjustments:upside/id | None | upside_2027q2_gaap_adjustments |
| /operating_model/cells/upside_2027q2_gaap_adjustments:upside/kind | None | derived |
| /operating_model/cells/upside_2027q2_gaap_adjustments:upside/label | None | SBC D&A and cash excluded costs |
| /operating_model/cells/upside_2027q2_gaap_adjustments:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_gaap_adjustments:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_gaap_adjustments:upside/value | None | 97.0 |
| /operating_model/cells/upside_2027q2_gross_margin:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q2_gross_margin:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_gross_margin:upside/id | None | upside_2027q2_gross_margin |
| /operating_model/cells/upside_2027q2_gross_margin:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q2_gross_margin:upside/label | None | Gross margin |
| /operating_model/cells/upside_2027q2_gross_margin:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_gross_margin:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q2_gross_margin:upside/value | None | 0.89 |
| /operating_model/cells/upside_2027q2_gross_profit:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2027q2_gross_profit:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_gross_profit:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2027q2_gross_profit:upside/formula/refs/0 | None | upside_2027q2_revenue |
| /operating_model/cells/upside_2027q2_gross_profit:upside/formula/refs/1 | None | upside_2027q2_gross_margin |
| /operating_model/cells/upside_2027q2_gross_profit:upside/id | None | upside_2027q2_gross_profit |
| /operating_model/cells/upside_2027q2_gross_profit:upside/kind | None | derived |
| /operating_model/cells/upside_2027q2_gross_profit:upside/label | None | Gross profit after processing |
| /operating_model/cells/upside_2027q2_gross_profit:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_gross_profit:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_gross_profit:upside/value | None | 794.325 |
| /operating_model/cells/upside_2027q2_interest_income:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q2_interest_income:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_interest_income:upside/id | None | upside_2027q2_interest_income |
| /operating_model/cells/upside_2027q2_interest_income:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q2_interest_income:upside/label | None | Cash interest income |
| /operating_model/cells/upside_2027q2_interest_income:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_interest_income:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_interest_income:upside/value | None | 5.0 |
| /operating_model/cells/upside_2027q2_investment:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2027q2_investment:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_investment:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q2_investment:upside/formula/refs/0 | None | upside_2027q2_net_loan_funding |
| /operating_model/cells/upside_2027q2_investment:upside/formula/refs/1 | None | upside_2027q2_capex |
| /operating_model/cells/upside_2027q2_investment:upside/id | None | upside_2027q2_investment |
| /operating_model/cells/upside_2027q2_investment:upside/kind | None | derived |
| /operating_model/cells/upside_2027q2_investment:upside/label | None | Loans and assets |
| /operating_model/cells/upside_2027q2_investment:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_investment:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_investment:upside/value | None | 70.5 |
| /operating_model/cells/upside_2027q2_member_index:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q2_member_index:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_member_index:upside/id | None | upside_2027q2_member_index |
| /operating_model/cells/upside_2027q2_member_index:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q2_member_index:upside/label | None | Active-member exposure index |
| /operating_model/cells/upside_2027q2_member_index:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_member_index:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q2_member_index:upside/value | None | 1.0999999999999999 |
| /operating_model/cells/upside_2027q2_mypay_loss_rate:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q2_mypay_loss_rate:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_mypay_loss_rate:upside/id | None | upside_2027q2_mypay_loss_rate |
| /operating_model/cells/upside_2027q2_mypay_loss_rate:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q2_mypay_loss_rate:upside/label | None | MyPay loss rate |
| /operating_model/cells/upside_2027q2_mypay_loss_rate:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_mypay_loss_rate:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q2_mypay_loss_rate:upside/value | None | 0.0075 |
| /operating_model/cells/upside_2027q2_mypay_losses:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2027q2_mypay_losses:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_mypay_losses:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2027q2_mypay_losses:upside/formula/refs/0 | None | upside_2027q2_mypay_originations |
| /operating_model/cells/upside_2027q2_mypay_losses:upside/formula/refs/1 | None | upside_2027q2_mypay_loss_rate |
| /operating_model/cells/upside_2027q2_mypay_losses:upside/id | None | upside_2027q2_mypay_losses |
| /operating_model/cells/upside_2027q2_mypay_losses:upside/kind | None | derived |
| /operating_model/cells/upside_2027q2_mypay_losses:upside/label | None | MyPay loss allowance |
| /operating_model/cells/upside_2027q2_mypay_losses:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_mypay_losses:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_mypay_losses:upside/value | None | 47.85000000000001 |
| /operating_model/cells/upside_2027q2_mypay_originations:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q2_mypay_originations:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_mypay_originations:upside/id | None | upside_2027q2_mypay_originations |
| /operating_model/cells/upside_2027q2_mypay_originations:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q2_mypay_originations:upside/label | None | MyPay origination activity |
| /operating_model/cells/upside_2027q2_mypay_originations:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_mypay_originations:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_mypay_originations:upside/value | None | 6380.000000000001 |
| /operating_model/cells/upside_2027q2_net_loan_funding:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q2_net_loan_funding:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_net_loan_funding:upside/id | None | upside_2027q2_net_loan_funding |
| /operating_model/cells/upside_2027q2_net_loan_funding:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q2_net_loan_funding:upside/label | None | Loans purchased less repayments |
| /operating_model/cells/upside_2027q2_net_loan_funding:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_net_loan_funding:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_net_loan_funding:upside/value | None | 57.49999999999999 |
| /operating_model/cells/upside_2027q2_operating_income:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2027q2_operating_income:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_operating_income:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q2_operating_income:upside/formula/refs/0 | None | upside_2027q2_adj_ebitda |
| /operating_model/cells/upside_2027q2_operating_income:upside/formula/refs/1 | None | upside_2027q2_gaap_adjustments |
| /operating_model/cells/upside_2027q2_operating_income:upside/id | None | upside_2027q2_operating_income |
| /operating_model/cells/upside_2027q2_operating_income:upside/kind | None | derived |
| /operating_model/cells/upside_2027q2_operating_income:upside/label | None | Operating income proxy |
| /operating_model/cells/upside_2027q2_operating_income:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_operating_income:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_operating_income:upside/value | None | 137.51350000000008 |
| /operating_model/cells/upside_2027q2_other_risk:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q2_other_risk:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_other_risk:upside/id | None | upside_2027q2_other_risk |
| /operating_model/cells/upside_2027q2_other_risk:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q2_other_risk:upside/label | None | Other lending, dispute and risk cost |
| /operating_model/cells/upside_2027q2_other_risk:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_other_risk:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_other_risk:upside/value | None | 77.25 |
| /operating_model/cells/upside_2027q2_payment_yield:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q2_payment_yield:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_payment_yield:upside/id | None | upside_2027q2_payment_yield |
| /operating_model/cells/upside_2027q2_payment_yield:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q2_payment_yield:upside/label | None | Net payments yield |
| /operating_model/cells/upside_2027q2_payment_yield:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_payment_yield:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q2_payment_yield:upside/value | None | 0.011363636363636364 |
| /operating_model/cells/upside_2027q2_payments:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2027q2_payments:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_payments:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2027q2_payments:upside/formula/refs/0 | None | upside_2027q2_purchase_volume |
| /operating_model/cells/upside_2027q2_payments:upside/formula/refs/1 | None | upside_2027q2_payment_yield |
| /operating_model/cells/upside_2027q2_payments:upside/id | None | upside_2027q2_payments |
| /operating_model/cells/upside_2027q2_payments:upside/kind | None | derived |
| /operating_model/cells/upside_2027q2_payments:upside/label | None | Payments revenue |
| /operating_model/cells/upside_2027q2_payments:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_payments:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_payments:upside/value | None | 535.0 |
| /operating_model/cells/upside_2027q2_platform:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2027q2_platform:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_platform:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2027q2_platform:upside/formula/refs/0 | None | q2_platform |
| /operating_model/cells/upside_2027q2_platform:upside/formula/refs/1 | None | upside_2027q2_member_index |
| /operating_model/cells/upside_2027q2_platform:upside/formula/refs/2 | None | upside_2027q2_platform_monetization |
| /operating_model/cells/upside_2027q2_platform:upside/id | None | upside_2027q2_platform |
| /operating_model/cells/upside_2027q2_platform:upside/kind | None | derived |
| /operating_model/cells/upside_2027q2_platform:upside/label | None | Platform revenue |
| /operating_model/cells/upside_2027q2_platform:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_platform:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_platform:upside/value | None | 357.5 |
| /operating_model/cells/upside_2027q2_platform_monetization:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q2_platform_monetization:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_platform_monetization:upside/id | None | upside_2027q2_platform_monetization |
| /operating_model/cells/upside_2027q2_platform_monetization:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q2_platform_monetization:upside/label | None | Platform monetization index |
| /operating_model/cells/upside_2027q2_platform_monetization:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_platform_monetization:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q2_platform_monetization:upside/value | None | 1.3556409261738809 |
| /operating_model/cells/upside_2027q2_purchase_volume:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q2_purchase_volume:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_purchase_volume:upside/id | None | upside_2027q2_purchase_volume |
| /operating_model/cells/upside_2027q2_purchase_volume:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q2_purchase_volume:upside/label | None | Purchase volume |
| /operating_model/cells/upside_2027q2_purchase_volume:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_purchase_volume:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_purchase_volume:upside/value | None | 47080.0 |
| /operating_model/cells/upside_2027q2_revenue:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2027q2_revenue:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_revenue:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q2_revenue:upside/formula/refs/0 | None | upside_2027q2_payments |
| /operating_model/cells/upside_2027q2_revenue:upside/formula/refs/1 | None | upside_2027q2_platform |
| /operating_model/cells/upside_2027q2_revenue:upside/id | None | upside_2027q2_revenue |
| /operating_model/cells/upside_2027q2_revenue:upside/kind | None | derived |
| /operating_model/cells/upside_2027q2_revenue:upside/label | None | Revenue |
| /operating_model/cells/upside_2027q2_revenue:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_revenue:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_revenue:upside/value | None | 892.5 |
| /operating_model/cells/upside_2027q2_risk:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2027q2_risk:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_risk:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q2_risk:upside/formula/refs/0 | None | upside_2027q2_mypay_losses |
| /operating_model/cells/upside_2027q2_risk:upside/formula/refs/1 | None | upside_2027q2_other_risk |
| /operating_model/cells/upside_2027q2_risk:upside/id | None | upside_2027q2_risk |
| /operating_model/cells/upside_2027q2_risk:upside/kind | None | derived |
| /operating_model/cells/upside_2027q2_risk:upside/label | None | Transaction and risk loss allowance |
| /operating_model/cells/upside_2027q2_risk:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_risk:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_risk:upside/value | None | 125.10000000000001 |
| /operating_model/cells/upside_2027q2_sbc:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q2_sbc:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_sbc:upside/id | None | upside_2027q2_sbc |
| /operating_model/cells/upside_2027q2_sbc:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q2_sbc:upside/label | None | Total SBC and stock charitable cost |
| /operating_model/cells/upside_2027q2_sbc:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_sbc:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_sbc:upside/value | None | 84.0 |
| /operating_model/cells/upside_2027q2_stride_closing:upside/basis | None | Conditional quarter placement; expected H1 2027, downside assumes delay. No acquired operations or synergy booked. |
| /operating_model/cells/upside_2027q2_stride_closing:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_stride_closing:upside/id | None | upside_2027q2_stride_closing |
| /operating_model/cells/upside_2027q2_stride_closing:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q2_stride_closing:upside/label | None | Stride closing switch |
| /operating_model/cells/upside_2027q2_stride_closing:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_stride_closing:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q2_stride_closing:upside/value | None | 0.0 |
| /operating_model/cells/upside_2027q2_transaction_profit:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2027q2_transaction_profit:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_transaction_profit:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q2_transaction_profit:upside/formula/refs/0 | None | upside_2027q2_gross_profit |
| /operating_model/cells/upside_2027q2_transaction_profit:upside/formula/refs/1 | None | upside_2027q2_risk |
| /operating_model/cells/upside_2027q2_transaction_profit:upside/id | None | upside_2027q2_transaction_profit |
| /operating_model/cells/upside_2027q2_transaction_profit:upside/kind | None | derived |
| /operating_model/cells/upside_2027q2_transaction_profit:upside/label | None | Transaction profit |
| /operating_model/cells/upside_2027q2_transaction_profit:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_transaction_profit:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_transaction_profit:upside/value | None | 669.225 |
| /operating_model/cells/upside_2027q2_wc:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q2_wc:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_wc:upside/id | None | upside_2027q2_wc |
| /operating_model/cells/upside_2027q2_wc:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q2_wc:upside/label | None | Product collateral and net operating working-capital use |
| /operating_model/cells/upside_2027q2_wc:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_wc:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_wc:upside/value | None | 30.0 |
| /operating_model/cells/upside_2027q3_acquisition_cash:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2027q3_acquisition_cash:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_acquisition_cash:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2027q3_acquisition_cash:upside/formula/refs/0 | None | stride_price |
| /operating_model/cells/upside_2027q3_acquisition_cash:upside/formula/refs/1 | None | upside_2027q3_stride_closing |
| /operating_model/cells/upside_2027q3_acquisition_cash:upside/id | None | upside_2027q3_acquisition_cash |
| /operating_model/cells/upside_2027q3_acquisition_cash:upside/kind | None | derived |
| /operating_model/cells/upside_2027q3_acquisition_cash:upside/label | None | Conditional Stride purchase cash |
| /operating_model/cells/upside_2027q3_acquisition_cash:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_acquisition_cash:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_acquisition_cash:upside/value | None | 0.0 |
| /operating_model/cells/upside_2027q3_adj_ebitda:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2027q3_adj_ebitda:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_adj_ebitda:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q3_adj_ebitda:upside/formula/refs/0 | None | upside_2027q3_transaction_profit |
| /operating_model/cells/upside_2027q3_adj_ebitda:upside/formula/refs/1 | None | upside_2027q3_adjusted_costs |
| /operating_model/cells/upside_2027q3_adj_ebitda:upside/id | None | upside_2027q3_adj_ebitda |
| /operating_model/cells/upside_2027q3_adj_ebitda:upside/kind | None | derived |
| /operating_model/cells/upside_2027q3_adj_ebitda:upside/label | None | Adjusted EBITDA proxy |
| /operating_model/cells/upside_2027q3_adj_ebitda:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_adj_ebitda:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_adj_ebitda:upside/value | None | 263.2969999999998 |
| /operating_model/cells/upside_2027q3_adjusted_costs:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q3_adjusted_costs:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_adjusted_costs:upside/id | None | upside_2027q3_adjusted_costs |
| /operating_model/cells/upside_2027q3_adjusted_costs:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q3_adjusted_costs:upside/label | None | Adjusted product, sales and corporate cost |
| /operating_model/cells/upside_2027q3_adjusted_costs:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_adjusted_costs:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_adjusted_costs:upside/value | None | 452.5820000000001 |
| /operating_model/cells/upside_2027q3_capex:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q3_capex:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_capex:upside/id | None | upside_2027q3_capex |
| /operating_model/cells/upside_2027q3_capex:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q3_capex:upside/label | None | PP&E and purchased/internal software cash |
| /operating_model/cells/upside_2027q3_capex:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_capex:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_capex:upside/value | None | 14.0 |
| /operating_model/cells/upside_2027q3_cash_adjustments:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q3_cash_adjustments:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_cash_adjustments:upside/id | None | upside_2027q3_cash_adjustments |
| /operating_model/cells/upside_2027q3_cash_adjustments:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q3_cash_adjustments:upside/label | None | Cash costs excluded from adjusted EBITDA |
| /operating_model/cells/upside_2027q3_cash_adjustments:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_cash_adjustments:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_cash_adjustments:upside/value | None | 2.0 |
| /operating_model/cells/upside_2027q3_cash_after_acquisition:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2027q3_cash_after_acquisition:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_cash_after_acquisition:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q3_cash_after_acquisition:upside/formula/refs/0 | None | upside_2027q3_cash_after_funding |
| /operating_model/cells/upside_2027q3_cash_after_acquisition:upside/formula/refs/1 | None | upside_2027q3_acquisition_cash |
| /operating_model/cells/upside_2027q3_cash_after_acquisition:upside/id | None | upside_2027q3_cash_after_acquisition |
| /operating_model/cells/upside_2027q3_cash_after_acquisition:upside/kind | None | derived |
| /operating_model/cells/upside_2027q3_cash_after_acquisition:upside/label | None | Cash after proposed bank purchase |
| /operating_model/cells/upside_2027q3_cash_after_acquisition:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_cash_after_acquisition:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_cash_after_acquisition:upside/value | None | 141.0469999999998 |
| /operating_model/cells/upside_2027q3_cash_after_funding:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2027q3_cash_after_funding:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_cash_after_funding:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q3_cash_after_funding:upside/formula/refs/0 | None | upside_2027q3_cfo |
| /operating_model/cells/upside_2027q3_cash_after_funding:upside/formula/refs/1 | None | upside_2027q3_investment |
| /operating_model/cells/upside_2027q3_cash_after_funding:upside/id | None | upside_2027q3_cash_after_funding |
| /operating_model/cells/upside_2027q3_cash_after_funding:upside/kind | None | derived |
| /operating_model/cells/upside_2027q3_cash_after_funding:upside/label | None | Cash after loan funding and assets |
| /operating_model/cells/upside_2027q3_cash_after_funding:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_cash_after_funding:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_cash_after_funding:upside/value | None | 141.0469999999998 |
| /operating_model/cells/upside_2027q3_cash_earnings:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2027q3_cash_earnings:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_cash_earnings:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q3_cash_earnings:upside/formula/refs/0 | None | upside_2027q3_adj_ebitda |
| /operating_model/cells/upside_2027q3_cash_earnings:upside/formula/refs/1 | None | upside_2027q3_interest_income |
| /operating_model/cells/upside_2027q3_cash_earnings:upside/id | None | upside_2027q3_cash_earnings |
| /operating_model/cells/upside_2027q3_cash_earnings:upside/kind | None | derived |
| /operating_model/cells/upside_2027q3_cash_earnings:upside/label | None | Adjusted EBITDA plus cash interest income |
| /operating_model/cells/upside_2027q3_cash_earnings:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_cash_earnings:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_cash_earnings:upside/value | None | 268.2969999999998 |
| /operating_model/cells/upside_2027q3_cash_interest_tax:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q3_cash_interest_tax:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_cash_interest_tax:upside/id | None | upside_2027q3_cash_interest_tax |
| /operating_model/cells/upside_2027q3_cash_interest_tax:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q3_cash_interest_tax:upside/label | None | Cash interest and taxes |
| /operating_model/cells/upside_2027q3_cash_interest_tax:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_cash_interest_tax:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_cash_interest_tax:upside/value | None | 13.0 |
| /operating_model/cells/upside_2027q3_cash_uses:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2027q3_cash_uses:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_cash_uses:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q3_cash_uses:upside/formula/refs/0 | None | upside_2027q3_cash_adjustments |
| /operating_model/cells/upside_2027q3_cash_uses:upside/formula/refs/1 | None | upside_2027q3_cash_interest_tax |
| /operating_model/cells/upside_2027q3_cash_uses:upside/formula/refs/2 | None | upside_2027q3_wc |
| /operating_model/cells/upside_2027q3_cash_uses:upside/id | None | upside_2027q3_cash_uses |
| /operating_model/cells/upside_2027q3_cash_uses:upside/kind | None | derived |
| /operating_model/cells/upside_2027q3_cash_uses:upside/label | None | Cash adjustments taxes interest and working capital |
| /operating_model/cells/upside_2027q3_cash_uses:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_cash_uses:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_cash_uses:upside/value | None | 50.0 |
| /operating_model/cells/upside_2027q3_cfo:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2027q3_cfo:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_cfo:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q3_cfo:upside/formula/refs/0 | None | upside_2027q3_cash_earnings |
| /operating_model/cells/upside_2027q3_cfo:upside/formula/refs/1 | None | upside_2027q3_cash_uses |
| /operating_model/cells/upside_2027q3_cfo:upside/id | None | upside_2027q3_cfo |
| /operating_model/cells/upside_2027q3_cfo:upside/kind | None | derived |
| /operating_model/cells/upside_2027q3_cfo:upside/label | None | Operating cash flow proxy |
| /operating_model/cells/upside_2027q3_cfo:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_cfo:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_cfo:upside/value | None | 218.2969999999998 |
| /operating_model/cells/upside_2027q3_da:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q3_da:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_da:upside/id | None | upside_2027q3_da |
| /operating_model/cells/upside_2027q3_da:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q3_da:upside/label | None | Total D&A |
| /operating_model/cells/upside_2027q3_da:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_da:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_da:upside/value | None | 12.0 |
| /operating_model/cells/upside_2027q3_gaap_adjustments:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2027q3_gaap_adjustments:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_gaap_adjustments:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q3_gaap_adjustments:upside/formula/refs/0 | None | upside_2027q3_sbc |
| /operating_model/cells/upside_2027q3_gaap_adjustments:upside/formula/refs/1 | None | upside_2027q3_da |
| /operating_model/cells/upside_2027q3_gaap_adjustments:upside/formula/refs/2 | None | upside_2027q3_cash_adjustments |
| /operating_model/cells/upside_2027q3_gaap_adjustments:upside/id | None | upside_2027q3_gaap_adjustments |
| /operating_model/cells/upside_2027q3_gaap_adjustments:upside/kind | None | derived |
| /operating_model/cells/upside_2027q3_gaap_adjustments:upside/label | None | SBC D&A and cash excluded costs |
| /operating_model/cells/upside_2027q3_gaap_adjustments:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_gaap_adjustments:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_gaap_adjustments:upside/value | None | 102.0 |
| /operating_model/cells/upside_2027q3_gross_margin:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q3_gross_margin:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_gross_margin:upside/id | None | upside_2027q3_gross_margin |
| /operating_model/cells/upside_2027q3_gross_margin:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q3_gross_margin:upside/label | None | Gross margin |
| /operating_model/cells/upside_2027q3_gross_margin:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_gross_margin:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q3_gross_margin:upside/value | None | 0.89 |
| /operating_model/cells/upside_2027q3_gross_profit:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2027q3_gross_profit:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_gross_profit:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2027q3_gross_profit:upside/formula/refs/0 | None | upside_2027q3_revenue |
| /operating_model/cells/upside_2027q3_gross_profit:upside/formula/refs/1 | None | upside_2027q3_gross_margin |
| /operating_model/cells/upside_2027q3_gross_profit:upside/id | None | upside_2027q3_gross_profit |
| /operating_model/cells/upside_2027q3_gross_profit:upside/kind | None | derived |
| /operating_model/cells/upside_2027q3_gross_profit:upside/label | None | Gross profit after processing |
| /operating_model/cells/upside_2027q3_gross_profit:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_gross_profit:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_gross_profit:upside/value | None | 847.3689999999999 |
| /operating_model/cells/upside_2027q3_interest_income:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q3_interest_income:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_interest_income:upside/id | None | upside_2027q3_interest_income |
| /operating_model/cells/upside_2027q3_interest_income:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q3_interest_income:upside/label | None | Cash interest income |
| /operating_model/cells/upside_2027q3_interest_income:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_interest_income:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_interest_income:upside/value | None | 5.0 |
| /operating_model/cells/upside_2027q3_investment:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2027q3_investment:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_investment:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q3_investment:upside/formula/refs/0 | None | upside_2027q3_net_loan_funding |
| /operating_model/cells/upside_2027q3_investment:upside/formula/refs/1 | None | upside_2027q3_capex |
| /operating_model/cells/upside_2027q3_investment:upside/id | None | upside_2027q3_investment |
| /operating_model/cells/upside_2027q3_investment:upside/kind | None | derived |
| /operating_model/cells/upside_2027q3_investment:upside/label | None | Loans and assets |
| /operating_model/cells/upside_2027q3_investment:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_investment:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_investment:upside/value | None | 77.25 |
| /operating_model/cells/upside_2027q3_member_index:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q3_member_index:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_member_index:upside/id | None | upside_2027q3_member_index |
| /operating_model/cells/upside_2027q3_member_index:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q3_member_index:upside/label | None | Active-member exposure index |
| /operating_model/cells/upside_2027q3_member_index:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_member_index:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q3_member_index:upside/value | None | 1.125 |
| /operating_model/cells/upside_2027q3_mypay_loss_rate:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q3_mypay_loss_rate:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_mypay_loss_rate:upside/id | None | upside_2027q3_mypay_loss_rate |
| /operating_model/cells/upside_2027q3_mypay_loss_rate:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q3_mypay_loss_rate:upside/label | None | MyPay loss rate |
| /operating_model/cells/upside_2027q3_mypay_loss_rate:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_mypay_loss_rate:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q3_mypay_loss_rate:upside/value | None | 0.0075 |
| /operating_model/cells/upside_2027q3_mypay_losses:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2027q3_mypay_losses:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_mypay_losses:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2027q3_mypay_losses:upside/formula/refs/0 | None | upside_2027q3_mypay_originations |
| /operating_model/cells/upside_2027q3_mypay_losses:upside/formula/refs/1 | None | upside_2027q3_mypay_loss_rate |
| /operating_model/cells/upside_2027q3_mypay_losses:upside/id | None | upside_2027q3_mypay_losses |
| /operating_model/cells/upside_2027q3_mypay_losses:upside/kind | None | derived |
| /operating_model/cells/upside_2027q3_mypay_losses:upside/label | None | MyPay loss allowance |
| /operating_model/cells/upside_2027q3_mypay_losses:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_mypay_losses:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_mypay_losses:upside/value | None | 51.150000000000006 |
| /operating_model/cells/upside_2027q3_mypay_originations:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q3_mypay_originations:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_mypay_originations:upside/id | None | upside_2027q3_mypay_originations |
| /operating_model/cells/upside_2027q3_mypay_originations:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q3_mypay_originations:upside/label | None | MyPay origination activity |
| /operating_model/cells/upside_2027q3_mypay_originations:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_mypay_originations:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_mypay_originations:upside/value | None | 6820.000000000001 |
| /operating_model/cells/upside_2027q3_net_loan_funding:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q3_net_loan_funding:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_net_loan_funding:upside/id | None | upside_2027q3_net_loan_funding |
| /operating_model/cells/upside_2027q3_net_loan_funding:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q3_net_loan_funding:upside/label | None | Loans purchased less repayments |
| /operating_model/cells/upside_2027q3_net_loan_funding:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_net_loan_funding:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_net_loan_funding:upside/value | None | 63.24999999999999 |
| /operating_model/cells/upside_2027q3_operating_income:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2027q3_operating_income:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_operating_income:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q3_operating_income:upside/formula/refs/0 | None | upside_2027q3_adj_ebitda |
| /operating_model/cells/upside_2027q3_operating_income:upside/formula/refs/1 | None | upside_2027q3_gaap_adjustments |
| /operating_model/cells/upside_2027q3_operating_income:upside/id | None | upside_2027q3_operating_income |
| /operating_model/cells/upside_2027q3_operating_income:upside/kind | None | derived |
| /operating_model/cells/upside_2027q3_operating_income:upside/label | None | Operating income proxy |
| /operating_model/cells/upside_2027q3_operating_income:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_operating_income:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_operating_income:upside/value | None | 161.2969999999998 |
| /operating_model/cells/upside_2027q3_other_risk:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q3_other_risk:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_other_risk:upside/id | None | upside_2027q3_other_risk |
| /operating_model/cells/upside_2027q3_other_risk:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q3_other_risk:upside/label | None | Other lending, dispute and risk cost |
| /operating_model/cells/upside_2027q3_other_risk:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_other_risk:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_other_risk:upside/value | None | 80.34 |
| /operating_model/cells/upside_2027q3_payment_yield:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q3_payment_yield:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_payment_yield:upside/id | None | upside_2027q3_payment_yield |
| /operating_model/cells/upside_2027q3_payment_yield:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q3_payment_yield:upside/label | None | Net payments yield |
| /operating_model/cells/upside_2027q3_payment_yield:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_payment_yield:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q3_payment_yield:upside/value | None | 0.011397849462365592 |
| /operating_model/cells/upside_2027q3_payments:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2027q3_payments:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_payments:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2027q3_payments:upside/formula/refs/0 | None | upside_2027q3_purchase_volume |
| /operating_model/cells/upside_2027q3_payments:upside/formula/refs/1 | None | upside_2027q3_payment_yield |
| /operating_model/cells/upside_2027q3_payments:upside/id | None | upside_2027q3_payments |
| /operating_model/cells/upside_2027q3_payments:upside/kind | None | derived |
| /operating_model/cells/upside_2027q3_payments:upside/label | None | Payments revenue |
| /operating_model/cells/upside_2027q3_payments:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_payments:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_payments:upside/value | None | 567.1 |
| /operating_model/cells/upside_2027q3_platform:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2027q3_platform:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_platform:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2027q3_platform:upside/formula/refs/0 | None | q2_platform |
| /operating_model/cells/upside_2027q3_platform:upside/formula/refs/1 | None | upside_2027q3_member_index |
| /operating_model/cells/upside_2027q3_platform:upside/formula/refs/2 | None | upside_2027q3_platform_monetization |
| /operating_model/cells/upside_2027q3_platform:upside/id | None | upside_2027q3_platform |
| /operating_model/cells/upside_2027q3_platform:upside/kind | None | derived |
| /operating_model/cells/upside_2027q3_platform:upside/label | None | Platform revenue |
| /operating_model/cells/upside_2027q3_platform:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_platform:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_platform:upside/value | None | 384.99999999999994 |
| /operating_model/cells/upside_2027q3_platform_monetization:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q3_platform_monetization:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_platform_monetization:upside/id | None | upside_2027q3_platform_monetization |
| /operating_model/cells/upside_2027q3_platform_monetization:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q3_platform_monetization:upside/label | None | Platform monetization index |
| /operating_model/cells/upside_2027q3_platform_monetization:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_platform_monetization:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q3_platform_monetization:upside/value | None | 1.4274783085865137 |
| /operating_model/cells/upside_2027q3_purchase_volume:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q3_purchase_volume:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_purchase_volume:upside/id | None | upside_2027q3_purchase_volume |
| /operating_model/cells/upside_2027q3_purchase_volume:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q3_purchase_volume:upside/label | None | Purchase volume |
| /operating_model/cells/upside_2027q3_purchase_volume:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_purchase_volume:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_purchase_volume:upside/value | None | 49755.0 |
| /operating_model/cells/upside_2027q3_revenue:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2027q3_revenue:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_revenue:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q3_revenue:upside/formula/refs/0 | None | upside_2027q3_payments |
| /operating_model/cells/upside_2027q3_revenue:upside/formula/refs/1 | None | upside_2027q3_platform |
| /operating_model/cells/upside_2027q3_revenue:upside/id | None | upside_2027q3_revenue |
| /operating_model/cells/upside_2027q3_revenue:upside/kind | None | derived |
| /operating_model/cells/upside_2027q3_revenue:upside/label | None | Revenue |
| /operating_model/cells/upside_2027q3_revenue:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_revenue:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_revenue:upside/value | None | 952.0999999999999 |
| /operating_model/cells/upside_2027q3_risk:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2027q3_risk:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_risk:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q3_risk:upside/formula/refs/0 | None | upside_2027q3_mypay_losses |
| /operating_model/cells/upside_2027q3_risk:upside/formula/refs/1 | None | upside_2027q3_other_risk |
| /operating_model/cells/upside_2027q3_risk:upside/id | None | upside_2027q3_risk |
| /operating_model/cells/upside_2027q3_risk:upside/kind | None | derived |
| /operating_model/cells/upside_2027q3_risk:upside/label | None | Transaction and risk loss allowance |
| /operating_model/cells/upside_2027q3_risk:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_risk:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_risk:upside/value | None | 131.49 |
| /operating_model/cells/upside_2027q3_sbc:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q3_sbc:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_sbc:upside/id | None | upside_2027q3_sbc |
| /operating_model/cells/upside_2027q3_sbc:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q3_sbc:upside/label | None | Total SBC and stock charitable cost |
| /operating_model/cells/upside_2027q3_sbc:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_sbc:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_sbc:upside/value | None | 88.0 |
| /operating_model/cells/upside_2027q3_stride_closing:upside/basis | None | Conditional quarter placement; expected H1 2027, downside assumes delay. No acquired operations or synergy booked. |
| /operating_model/cells/upside_2027q3_stride_closing:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_stride_closing:upside/id | None | upside_2027q3_stride_closing |
| /operating_model/cells/upside_2027q3_stride_closing:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q3_stride_closing:upside/label | None | Stride closing switch |
| /operating_model/cells/upside_2027q3_stride_closing:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_stride_closing:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q3_stride_closing:upside/value | None | 0.0 |
| /operating_model/cells/upside_2027q3_transaction_profit:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2027q3_transaction_profit:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_transaction_profit:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q3_transaction_profit:upside/formula/refs/0 | None | upside_2027q3_gross_profit |
| /operating_model/cells/upside_2027q3_transaction_profit:upside/formula/refs/1 | None | upside_2027q3_risk |
| /operating_model/cells/upside_2027q3_transaction_profit:upside/id | None | upside_2027q3_transaction_profit |
| /operating_model/cells/upside_2027q3_transaction_profit:upside/kind | None | derived |
| /operating_model/cells/upside_2027q3_transaction_profit:upside/label | None | Transaction profit |
| /operating_model/cells/upside_2027q3_transaction_profit:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_transaction_profit:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_transaction_profit:upside/value | None | 715.8789999999999 |
| /operating_model/cells/upside_2027q3_wc:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q3_wc:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_wc:upside/id | None | upside_2027q3_wc |
| /operating_model/cells/upside_2027q3_wc:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q3_wc:upside/label | None | Product collateral and net operating working-capital use |
| /operating_model/cells/upside_2027q3_wc:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_wc:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_wc:upside/value | None | 35.0 |
| /operating_model/cells/upside_2027q4_acquisition_cash:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2027q4_acquisition_cash:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_acquisition_cash:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2027q4_acquisition_cash:upside/formula/refs/0 | None | stride_price |
| /operating_model/cells/upside_2027q4_acquisition_cash:upside/formula/refs/1 | None | upside_2027q4_stride_closing |
| /operating_model/cells/upside_2027q4_acquisition_cash:upside/id | None | upside_2027q4_acquisition_cash |
| /operating_model/cells/upside_2027q4_acquisition_cash:upside/kind | None | derived |
| /operating_model/cells/upside_2027q4_acquisition_cash:upside/label | None | Conditional Stride purchase cash |
| /operating_model/cells/upside_2027q4_acquisition_cash:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_acquisition_cash:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_acquisition_cash:upside/value | None | 0.0 |
| /operating_model/cells/upside_2027q4_adj_ebitda:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2027q4_adj_ebitda:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_adj_ebitda:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q4_adj_ebitda:upside/formula/refs/0 | None | upside_2027q4_transaction_profit |
| /operating_model/cells/upside_2027q4_adj_ebitda:upside/formula/refs/1 | None | upside_2027q4_adjusted_costs |
| /operating_model/cells/upside_2027q4_adj_ebitda:upside/id | None | upside_2027q4_adj_ebitda |
| /operating_model/cells/upside_2027q4_adj_ebitda:upside/kind | None | derived |
| /operating_model/cells/upside_2027q4_adj_ebitda:upside/label | None | Adjusted EBITDA proxy |
| /operating_model/cells/upside_2027q4_adj_ebitda:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_adj_ebitda:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_adj_ebitda:upside/value | None | 291.9025000000001 |
| /operating_model/cells/upside_2027q4_adjusted_costs:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q4_adjusted_costs:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_adjusted_costs:upside/id | None | upside_2027q4_adjusted_costs |
| /operating_model/cells/upside_2027q4_adjusted_costs:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q4_adjusted_costs:upside/label | None | Adjusted product, sales and corporate cost |
| /operating_model/cells/upside_2027q4_adjusted_costs:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_adjusted_costs:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_adjusted_costs:upside/value | None | 465.8690000000001 |
| /operating_model/cells/upside_2027q4_capex:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q4_capex:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_capex:upside/id | None | upside_2027q4_capex |
| /operating_model/cells/upside_2027q4_capex:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q4_capex:upside/label | None | PP&E and purchased/internal software cash |
| /operating_model/cells/upside_2027q4_capex:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_capex:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_capex:upside/value | None | 15.0 |
| /operating_model/cells/upside_2027q4_cash_adjustments:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q4_cash_adjustments:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_cash_adjustments:upside/id | None | upside_2027q4_cash_adjustments |
| /operating_model/cells/upside_2027q4_cash_adjustments:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q4_cash_adjustments:upside/label | None | Cash costs excluded from adjusted EBITDA |
| /operating_model/cells/upside_2027q4_cash_adjustments:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_cash_adjustments:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_cash_adjustments:upside/value | None | 2.0 |
| /operating_model/cells/upside_2027q4_cash_after_acquisition:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2027q4_cash_after_acquisition:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_cash_after_acquisition:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q4_cash_after_acquisition:upside/formula/refs/0 | None | upside_2027q4_cash_after_funding |
| /operating_model/cells/upside_2027q4_cash_after_acquisition:upside/formula/refs/1 | None | upside_2027q4_acquisition_cash |
| /operating_model/cells/upside_2027q4_cash_after_acquisition:upside/id | None | upside_2027q4_cash_after_acquisition |
| /operating_model/cells/upside_2027q4_cash_after_acquisition:upside/kind | None | derived |
| /operating_model/cells/upside_2027q4_cash_after_acquisition:upside/label | None | Cash after proposed bank purchase |
| /operating_model/cells/upside_2027q4_cash_after_acquisition:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_cash_after_acquisition:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_cash_after_acquisition:upside/value | None | 155.9025000000001 |
| /operating_model/cells/upside_2027q4_cash_after_funding:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2027q4_cash_after_funding:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_cash_after_funding:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q4_cash_after_funding:upside/formula/refs/0 | None | upside_2027q4_cfo |
| /operating_model/cells/upside_2027q4_cash_after_funding:upside/formula/refs/1 | None | upside_2027q4_investment |
| /operating_model/cells/upside_2027q4_cash_after_funding:upside/id | None | upside_2027q4_cash_after_funding |
| /operating_model/cells/upside_2027q4_cash_after_funding:upside/kind | None | derived |
| /operating_model/cells/upside_2027q4_cash_after_funding:upside/label | None | Cash after loan funding and assets |
| /operating_model/cells/upside_2027q4_cash_after_funding:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_cash_after_funding:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_cash_after_funding:upside/value | None | 155.9025000000001 |
| /operating_model/cells/upside_2027q4_cash_earnings:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2027q4_cash_earnings:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_cash_earnings:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q4_cash_earnings:upside/formula/refs/0 | None | upside_2027q4_adj_ebitda |
| /operating_model/cells/upside_2027q4_cash_earnings:upside/formula/refs/1 | None | upside_2027q4_interest_income |
| /operating_model/cells/upside_2027q4_cash_earnings:upside/id | None | upside_2027q4_cash_earnings |
| /operating_model/cells/upside_2027q4_cash_earnings:upside/kind | None | derived |
| /operating_model/cells/upside_2027q4_cash_earnings:upside/label | None | Adjusted EBITDA plus cash interest income |
| /operating_model/cells/upside_2027q4_cash_earnings:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_cash_earnings:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_cash_earnings:upside/value | None | 296.9025000000001 |
| /operating_model/cells/upside_2027q4_cash_interest_tax:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q4_cash_interest_tax:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_cash_interest_tax:upside/id | None | upside_2027q4_cash_interest_tax |
| /operating_model/cells/upside_2027q4_cash_interest_tax:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q4_cash_interest_tax:upside/label | None | Cash interest and taxes |
| /operating_model/cells/upside_2027q4_cash_interest_tax:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_cash_interest_tax:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_cash_interest_tax:upside/value | None | 15.0 |
| /operating_model/cells/upside_2027q4_cash_uses:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2027q4_cash_uses:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_cash_uses:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q4_cash_uses:upside/formula/refs/0 | None | upside_2027q4_cash_adjustments |
| /operating_model/cells/upside_2027q4_cash_uses:upside/formula/refs/1 | None | upside_2027q4_cash_interest_tax |
| /operating_model/cells/upside_2027q4_cash_uses:upside/formula/refs/2 | None | upside_2027q4_wc |
| /operating_model/cells/upside_2027q4_cash_uses:upside/id | None | upside_2027q4_cash_uses |
| /operating_model/cells/upside_2027q4_cash_uses:upside/kind | None | derived |
| /operating_model/cells/upside_2027q4_cash_uses:upside/label | None | Cash adjustments taxes interest and working capital |
| /operating_model/cells/upside_2027q4_cash_uses:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_cash_uses:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_cash_uses:upside/value | None | 57.0 |
| /operating_model/cells/upside_2027q4_cfo:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2027q4_cfo:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_cfo:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q4_cfo:upside/formula/refs/0 | None | upside_2027q4_cash_earnings |
| /operating_model/cells/upside_2027q4_cfo:upside/formula/refs/1 | None | upside_2027q4_cash_uses |
| /operating_model/cells/upside_2027q4_cfo:upside/id | None | upside_2027q4_cfo |
| /operating_model/cells/upside_2027q4_cfo:upside/kind | None | derived |
| /operating_model/cells/upside_2027q4_cfo:upside/label | None | Operating cash flow proxy |
| /operating_model/cells/upside_2027q4_cfo:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_cfo:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_cfo:upside/value | None | 239.9025000000001 |
| /operating_model/cells/upside_2027q4_da:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q4_da:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_da:upside/id | None | upside_2027q4_da |
| /operating_model/cells/upside_2027q4_da:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q4_da:upside/label | None | Total D&A |
| /operating_model/cells/upside_2027q4_da:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_da:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_da:upside/value | None | 13.0 |
| /operating_model/cells/upside_2027q4_gaap_adjustments:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2027q4_gaap_adjustments:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_gaap_adjustments:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q4_gaap_adjustments:upside/formula/refs/0 | None | upside_2027q4_sbc |
| /operating_model/cells/upside_2027q4_gaap_adjustments:upside/formula/refs/1 | None | upside_2027q4_da |
| /operating_model/cells/upside_2027q4_gaap_adjustments:upside/formula/refs/2 | None | upside_2027q4_cash_adjustments |
| /operating_model/cells/upside_2027q4_gaap_adjustments:upside/id | None | upside_2027q4_gaap_adjustments |
| /operating_model/cells/upside_2027q4_gaap_adjustments:upside/kind | None | derived |
| /operating_model/cells/upside_2027q4_gaap_adjustments:upside/label | None | SBC D&A and cash excluded costs |
| /operating_model/cells/upside_2027q4_gaap_adjustments:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_gaap_adjustments:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_gaap_adjustments:upside/value | None | 107.0 |
| /operating_model/cells/upside_2027q4_gross_margin:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q4_gross_margin:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_gross_margin:upside/id | None | upside_2027q4_gross_margin |
| /operating_model/cells/upside_2027q4_gross_margin:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q4_gross_margin:upside/label | None | Gross margin |
| /operating_model/cells/upside_2027q4_gross_margin:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_gross_margin:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q4_gross_margin:upside/value | None | 0.89 |
| /operating_model/cells/upside_2027q4_gross_profit:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2027q4_gross_profit:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_gross_profit:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2027q4_gross_profit:upside/formula/refs/0 | None | upside_2027q4_revenue |
| /operating_model/cells/upside_2027q4_gross_profit:upside/formula/refs/1 | None | upside_2027q4_gross_margin |
| /operating_model/cells/upside_2027q4_gross_profit:upside/id | None | upside_2027q4_gross_profit |
| /operating_model/cells/upside_2027q4_gross_profit:upside/kind | None | derived |
| /operating_model/cells/upside_2027q4_gross_profit:upside/label | None | Gross profit after processing |
| /operating_model/cells/upside_2027q4_gross_profit:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_gross_profit:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_gross_profit:upside/value | None | 895.6515000000002 |
| /operating_model/cells/upside_2027q4_interest_income:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q4_interest_income:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_interest_income:upside/id | None | upside_2027q4_interest_income |
| /operating_model/cells/upside_2027q4_interest_income:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q4_interest_income:upside/label | None | Cash interest income |
| /operating_model/cells/upside_2027q4_interest_income:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_interest_income:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_interest_income:upside/value | None | 5.0 |
| /operating_model/cells/upside_2027q4_investment:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2027q4_investment:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_investment:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q4_investment:upside/formula/refs/0 | None | upside_2027q4_net_loan_funding |
| /operating_model/cells/upside_2027q4_investment:upside/formula/refs/1 | None | upside_2027q4_capex |
| /operating_model/cells/upside_2027q4_investment:upside/id | None | upside_2027q4_investment |
| /operating_model/cells/upside_2027q4_investment:upside/kind | None | derived |
| /operating_model/cells/upside_2027q4_investment:upside/label | None | Loans and assets |
| /operating_model/cells/upside_2027q4_investment:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_investment:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_investment:upside/value | None | 84.0 |
| /operating_model/cells/upside_2027q4_member_index:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q4_member_index:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_member_index:upside/id | None | upside_2027q4_member_index |
| /operating_model/cells/upside_2027q4_member_index:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q4_member_index:upside/label | None | Active-member exposure index |
| /operating_model/cells/upside_2027q4_member_index:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_member_index:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q4_member_index:upside/value | None | 1.15 |
| /operating_model/cells/upside_2027q4_mypay_loss_rate:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q4_mypay_loss_rate:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_mypay_loss_rate:upside/id | None | upside_2027q4_mypay_loss_rate |
| /operating_model/cells/upside_2027q4_mypay_loss_rate:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q4_mypay_loss_rate:upside/label | None | MyPay loss rate |
| /operating_model/cells/upside_2027q4_mypay_loss_rate:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_mypay_loss_rate:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q4_mypay_loss_rate:upside/value | None | 0.0075 |
| /operating_model/cells/upside_2027q4_mypay_losses:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2027q4_mypay_losses:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_mypay_losses:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2027q4_mypay_losses:upside/formula/refs/0 | None | upside_2027q4_mypay_originations |
| /operating_model/cells/upside_2027q4_mypay_losses:upside/formula/refs/1 | None | upside_2027q4_mypay_loss_rate |
| /operating_model/cells/upside_2027q4_mypay_losses:upside/id | None | upside_2027q4_mypay_losses |
| /operating_model/cells/upside_2027q4_mypay_losses:upside/kind | None | derived |
| /operating_model/cells/upside_2027q4_mypay_losses:upside/label | None | MyPay loss allowance |
| /operating_model/cells/upside_2027q4_mypay_losses:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_mypay_losses:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_mypay_losses:upside/value | None | 54.45 |
| /operating_model/cells/upside_2027q4_mypay_originations:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q4_mypay_originations:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_mypay_originations:upside/id | None | upside_2027q4_mypay_originations |
| /operating_model/cells/upside_2027q4_mypay_originations:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q4_mypay_originations:upside/label | None | MyPay origination activity |
| /operating_model/cells/upside_2027q4_mypay_originations:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_mypay_originations:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_mypay_originations:upside/value | None | 7260.000000000001 |
| /operating_model/cells/upside_2027q4_net_loan_funding:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q4_net_loan_funding:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_net_loan_funding:upside/id | None | upside_2027q4_net_loan_funding |
| /operating_model/cells/upside_2027q4_net_loan_funding:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q4_net_loan_funding:upside/label | None | Loans purchased less repayments |
| /operating_model/cells/upside_2027q4_net_loan_funding:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_net_loan_funding:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_net_loan_funding:upside/value | None | 69.0 |
| /operating_model/cells/upside_2027q4_operating_income:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2027q4_operating_income:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_operating_income:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q4_operating_income:upside/formula/refs/0 | None | upside_2027q4_adj_ebitda |
| /operating_model/cells/upside_2027q4_operating_income:upside/formula/refs/1 | None | upside_2027q4_gaap_adjustments |
| /operating_model/cells/upside_2027q4_operating_income:upside/id | None | upside_2027q4_operating_income |
| /operating_model/cells/upside_2027q4_operating_income:upside/kind | None | derived |
| /operating_model/cells/upside_2027q4_operating_income:upside/label | None | Operating income proxy |
| /operating_model/cells/upside_2027q4_operating_income:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_operating_income:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_operating_income:upside/value | None | 184.9025000000001 |
| /operating_model/cells/upside_2027q4_other_risk:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q4_other_risk:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_other_risk:upside/id | None | upside_2027q4_other_risk |
| /operating_model/cells/upside_2027q4_other_risk:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q4_other_risk:upside/label | None | Other lending, dispute and risk cost |
| /operating_model/cells/upside_2027q4_other_risk:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_other_risk:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_other_risk:upside/value | None | 83.43 |
| /operating_model/cells/upside_2027q4_payment_yield:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q4_payment_yield:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_payment_yield:upside/id | None | upside_2027q4_payment_yield |
| /operating_model/cells/upside_2027q4_payment_yield:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q4_payment_yield:upside/label | None | Net payments yield |
| /operating_model/cells/upside_2027q4_payment_yield:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_payment_yield:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q4_payment_yield:upside/value | None | 0.011443298969072166 |
| /operating_model/cells/upside_2027q4_payments:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2027q4_payments:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_payments:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2027q4_payments:upside/formula/refs/0 | None | upside_2027q4_purchase_volume |
| /operating_model/cells/upside_2027q4_payments:upside/formula/refs/1 | None | upside_2027q4_payment_yield |
| /operating_model/cells/upside_2027q4_payments:upside/id | None | upside_2027q4_payments |
| /operating_model/cells/upside_2027q4_payments:upside/kind | None | derived |
| /operating_model/cells/upside_2027q4_payments:upside/label | None | Payments revenue |
| /operating_model/cells/upside_2027q4_payments:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_payments:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_payments:upside/value | None | 593.85 |
| /operating_model/cells/upside_2027q4_platform:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2027q4_platform:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_platform:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2027q4_platform:upside/formula/refs/0 | None | q2_platform |
| /operating_model/cells/upside_2027q4_platform:upside/formula/refs/1 | None | upside_2027q4_member_index |
| /operating_model/cells/upside_2027q4_platform:upside/formula/refs/2 | None | upside_2027q4_platform_monetization |
| /operating_model/cells/upside_2027q4_platform:upside/id | None | upside_2027q4_platform |
| /operating_model/cells/upside_2027q4_platform:upside/kind | None | derived |
| /operating_model/cells/upside_2027q4_platform:upside/label | None | Platform revenue |
| /operating_model/cells/upside_2027q4_platform:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_platform:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_platform:upside/value | None | 412.50000000000006 |
| /operating_model/cells/upside_2027q4_platform_monetization:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q4_platform_monetization:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_platform_monetization:upside/id | None | upside_2027q4_platform_monetization |
| /operating_model/cells/upside_2027q4_platform_monetization:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q4_platform_monetization:upside/label | None | Platform monetization index |
| /operating_model/cells/upside_2027q4_platform_monetization:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_platform_monetization:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q4_platform_monetization:upside/value | None | 1.4961923265464239 |
| /operating_model/cells/upside_2027q4_purchase_volume:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q4_purchase_volume:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_purchase_volume:upside/id | None | upside_2027q4_purchase_volume |
| /operating_model/cells/upside_2027q4_purchase_volume:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q4_purchase_volume:upside/label | None | Purchase volume |
| /operating_model/cells/upside_2027q4_purchase_volume:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_purchase_volume:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_purchase_volume:upside/value | None | 51895.0 |
| /operating_model/cells/upside_2027q4_revenue:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2027q4_revenue:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_revenue:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q4_revenue:upside/formula/refs/0 | None | upside_2027q4_payments |
| /operating_model/cells/upside_2027q4_revenue:upside/formula/refs/1 | None | upside_2027q4_platform |
| /operating_model/cells/upside_2027q4_revenue:upside/id | None | upside_2027q4_revenue |
| /operating_model/cells/upside_2027q4_revenue:upside/kind | None | derived |
| /operating_model/cells/upside_2027q4_revenue:upside/label | None | Revenue |
| /operating_model/cells/upside_2027q4_revenue:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_revenue:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_revenue:upside/value | None | 1006.3500000000001 |
| /operating_model/cells/upside_2027q4_risk:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2027q4_risk:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_risk:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q4_risk:upside/formula/refs/0 | None | upside_2027q4_mypay_losses |
| /operating_model/cells/upside_2027q4_risk:upside/formula/refs/1 | None | upside_2027q4_other_risk |
| /operating_model/cells/upside_2027q4_risk:upside/id | None | upside_2027q4_risk |
| /operating_model/cells/upside_2027q4_risk:upside/kind | None | derived |
| /operating_model/cells/upside_2027q4_risk:upside/label | None | Transaction and risk loss allowance |
| /operating_model/cells/upside_2027q4_risk:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_risk:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_risk:upside/value | None | 137.88 |
| /operating_model/cells/upside_2027q4_sbc:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q4_sbc:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_sbc:upside/id | None | upside_2027q4_sbc |
| /operating_model/cells/upside_2027q4_sbc:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q4_sbc:upside/label | None | Total SBC and stock charitable cost |
| /operating_model/cells/upside_2027q4_sbc:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_sbc:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_sbc:upside/value | None | 92.0 |
| /operating_model/cells/upside_2027q4_stride_closing:upside/basis | None | Conditional quarter placement; expected H1 2027, downside assumes delay. No acquired operations or synergy booked. |
| /operating_model/cells/upside_2027q4_stride_closing:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_stride_closing:upside/id | None | upside_2027q4_stride_closing |
| /operating_model/cells/upside_2027q4_stride_closing:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q4_stride_closing:upside/label | None | Stride closing switch |
| /operating_model/cells/upside_2027q4_stride_closing:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_stride_closing:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q4_stride_closing:upside/value | None | 0.0 |
| /operating_model/cells/upside_2027q4_transaction_profit:upside/basis | None | Calculated from the named operating assumptions. |
| /operating_model/cells/upside_2027q4_transaction_profit:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_transaction_profit:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q4_transaction_profit:upside/formula/refs/0 | None | upside_2027q4_gross_profit |
| /operating_model/cells/upside_2027q4_transaction_profit:upside/formula/refs/1 | None | upside_2027q4_risk |
| /operating_model/cells/upside_2027q4_transaction_profit:upside/id | None | upside_2027q4_transaction_profit |
| /operating_model/cells/upside_2027q4_transaction_profit:upside/kind | None | derived |
| /operating_model/cells/upside_2027q4_transaction_profit:upside/label | None | Transaction profit |
| /operating_model/cells/upside_2027q4_transaction_profit:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_transaction_profit:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_transaction_profit:upside/value | None | 757.7715000000002 |
| /operating_model/cells/upside_2027q4_wc:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q4_wc:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_wc:upside/id | None | upside_2027q4_wc |
| /operating_model/cells/upside_2027q4_wc:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q4_wc:upside/label | None | Product collateral and net operating working-capital use |
| /operating_model/cells/upside_2027q4_wc:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_wc:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_wc:upside/value | None | 40.0 |
| /operating_model/cells/upside_fy2026_acquisition_cash:upside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/upside_fy2026_acquisition_cash:upside/case | None | upside |
| /operating_model/cells/upside_fy2026_acquisition_cash:upside/formula/op | None | sum |
| /operating_model/cells/upside_fy2026_acquisition_cash:upside/formula/refs/0 | None | h1_acquisition_cash |
| /operating_model/cells/upside_fy2026_acquisition_cash:upside/formula/refs/1 | None | upside_2026q3_acquisition_cash |
| /operating_model/cells/upside_fy2026_acquisition_cash:upside/formula/refs/2 | None | upside_2026q4_acquisition_cash |
| /operating_model/cells/upside_fy2026_acquisition_cash:upside/id | None | upside_fy2026_acquisition_cash |
| /operating_model/cells/upside_fy2026_acquisition_cash:upside/kind | None | derived |
| /operating_model/cells/upside_fy2026_acquisition_cash:upside/label | None | Conditional Stride cash price ($M) |
| /operating_model/cells/upside_fy2026_acquisition_cash:upside/period | None | FY2026 |
| /operating_model/cells/upside_fy2026_acquisition_cash:upside/unit | None | USD_millions |
| /operating_model/cells/upside_fy2026_acquisition_cash:upside/value | None | 0.0 |
| /operating_model/cells/upside_fy2026_adj_ebitda:upside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/upside_fy2026_adj_ebitda:upside/case | None | upside |
| /operating_model/cells/upside_fy2026_adj_ebitda:upside/formula/op | None | sum |
| /operating_model/cells/upside_fy2026_adj_ebitda:upside/formula/refs/0 | None | h1_adj_ebitda |
| /operating_model/cells/upside_fy2026_adj_ebitda:upside/formula/refs/1 | None | upside_2026q3_adj_ebitda |
| /operating_model/cells/upside_fy2026_adj_ebitda:upside/formula/refs/2 | None | upside_2026q4_adj_ebitda |
| /operating_model/cells/upside_fy2026_adj_ebitda:upside/id | None | upside_fy2026_adj_ebitda |
| /operating_model/cells/upside_fy2026_adj_ebitda:upside/kind | None | derived |
| /operating_model/cells/upside_fy2026_adj_ebitda:upside/label | None | Adjusted EBITDA proxy ($M) |
| /operating_model/cells/upside_fy2026_adj_ebitda:upside/period | None | FY2026 |
| /operating_model/cells/upside_fy2026_adj_ebitda:upside/unit | None | USD_millions |
| /operating_model/cells/upside_fy2026_adj_ebitda:upside/value | None | 568.5762634999999 |
| /operating_model/cells/upside_fy2026_capex:upside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/upside_fy2026_capex:upside/case | None | upside |
| /operating_model/cells/upside_fy2026_capex:upside/formula/op | None | sum |
| /operating_model/cells/upside_fy2026_capex:upside/formula/refs/0 | None | h1_capex |
| /operating_model/cells/upside_fy2026_capex:upside/formula/refs/1 | None | upside_2026q3_capex |
| /operating_model/cells/upside_fy2026_capex:upside/formula/refs/2 | None | upside_2026q4_capex |
| /operating_model/cells/upside_fy2026_capex:upside/id | None | upside_fy2026_capex |
| /operating_model/cells/upside_fy2026_capex:upside/kind | None | derived |
| /operating_model/cells/upside_fy2026_capex:upside/label | None | PP&E and software cash ($M) |
| /operating_model/cells/upside_fy2026_capex:upside/period | None | FY2026 |
| /operating_model/cells/upside_fy2026_capex:upside/unit | None | USD_millions |
| /operating_model/cells/upside_fy2026_capex:upside/value | None | 38.391999999999996 |
| /operating_model/cells/upside_fy2026_cash_after_acquisition:upside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/upside_fy2026_cash_after_acquisition:upside/case | None | upside |
| /operating_model/cells/upside_fy2026_cash_after_acquisition:upside/formula/op | None | sum |
| /operating_model/cells/upside_fy2026_cash_after_acquisition:upside/formula/refs/0 | None | h1_cash_after_acquisition |
| /operating_model/cells/upside_fy2026_cash_after_acquisition:upside/formula/refs/1 | None | upside_2026q3_cash_after_acquisition |
| /operating_model/cells/upside_fy2026_cash_after_acquisition:upside/formula/refs/2 | None | upside_2026q4_cash_after_acquisition |
| /operating_model/cells/upside_fy2026_cash_after_acquisition:upside/id | None | upside_fy2026_cash_after_acquisition |
| /operating_model/cells/upside_fy2026_cash_after_acquisition:upside/kind | None | derived |
| /operating_model/cells/upside_fy2026_cash_after_acquisition:upside/label | None | Cash after conditional acquisition ($M) |
| /operating_model/cells/upside_fy2026_cash_after_acquisition:upside/period | None | FY2026 |
| /operating_model/cells/upside_fy2026_cash_after_acquisition:upside/unit | None | USD_millions |
| /operating_model/cells/upside_fy2026_cash_after_acquisition:upside/value | None | 429.77626349999986 |
| /operating_model/cells/upside_fy2026_cash_after_funding:upside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/upside_fy2026_cash_after_funding:upside/case | None | upside |
| /operating_model/cells/upside_fy2026_cash_after_funding:upside/formula/op | None | sum |
| /operating_model/cells/upside_fy2026_cash_after_funding:upside/formula/refs/0 | None | h1_cash_after_funding |
| /operating_model/cells/upside_fy2026_cash_after_funding:upside/formula/refs/1 | None | upside_2026q3_cash_after_funding |
| /operating_model/cells/upside_fy2026_cash_after_funding:upside/formula/refs/2 | None | upside_2026q4_cash_after_funding |
| /operating_model/cells/upside_fy2026_cash_after_funding:upside/id | None | upside_fy2026_cash_after_funding |
| /operating_model/cells/upside_fy2026_cash_after_funding:upside/kind | None | derived |
| /operating_model/cells/upside_fy2026_cash_after_funding:upside/label | None | Cash after loans and capex ($M) |
| /operating_model/cells/upside_fy2026_cash_after_funding:upside/period | None | FY2026 |
| /operating_model/cells/upside_fy2026_cash_after_funding:upside/unit | None | USD_millions |
| /operating_model/cells/upside_fy2026_cash_after_funding:upside/value | None | 429.77626349999986 |
| /operating_model/cells/upside_fy2026_cfo:upside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/upside_fy2026_cfo:upside/case | None | upside |
| /operating_model/cells/upside_fy2026_cfo:upside/formula/op | None | sum |
| /operating_model/cells/upside_fy2026_cfo:upside/formula/refs/0 | None | h1_cfo |
| /operating_model/cells/upside_fy2026_cfo:upside/formula/refs/1 | None | upside_2026q3_cfo |
| /operating_model/cells/upside_fy2026_cfo:upside/formula/refs/2 | None | upside_2026q4_cfo |
| /operating_model/cells/upside_fy2026_cfo:upside/id | None | upside_fy2026_cfo |
| /operating_model/cells/upside_fy2026_cfo:upside/kind | None | derived |
| /operating_model/cells/upside_fy2026_cfo:upside/label | None | Operating cash flow proxy ($M) |
| /operating_model/cells/upside_fy2026_cfo:upside/period | None | FY2026 |
| /operating_model/cells/upside_fy2026_cfo:upside/unit | None | USD_millions |
| /operating_model/cells/upside_fy2026_cfo:upside/value | None | 608.3162634999999 |
| /operating_model/cells/upside_fy2026_net_loan_funding:upside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/upside_fy2026_net_loan_funding:upside/case | None | upside |
| /operating_model/cells/upside_fy2026_net_loan_funding:upside/formula/op | None | sum |
| /operating_model/cells/upside_fy2026_net_loan_funding:upside/formula/refs/0 | None | h1_net_loan_funding |
| /operating_model/cells/upside_fy2026_net_loan_funding:upside/formula/refs/1 | None | upside_2026q3_net_loan_funding |
| /operating_model/cells/upside_fy2026_net_loan_funding:upside/formula/refs/2 | None | upside_2026q4_net_loan_funding |
| /operating_model/cells/upside_fy2026_net_loan_funding:upside/id | None | upside_fy2026_net_loan_funding |
| /operating_model/cells/upside_fy2026_net_loan_funding:upside/kind | None | derived |
| /operating_model/cells/upside_fy2026_net_loan_funding:upside/label | None | Loan purchases less repayments ($M) |
| /operating_model/cells/upside_fy2026_net_loan_funding:upside/period | None | FY2026 |
| /operating_model/cells/upside_fy2026_net_loan_funding:upside/unit | None | USD_millions |
| /operating_model/cells/upside_fy2026_net_loan_funding:upside/value | None | 140.148 |
| /operating_model/cells/upside_fy2026_operating_income:upside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/upside_fy2026_operating_income:upside/case | None | upside |
| /operating_model/cells/upside_fy2026_operating_income:upside/formula/op | None | sum |
| /operating_model/cells/upside_fy2026_operating_income:upside/formula/refs/0 | None | h1_operating_income |
| /operating_model/cells/upside_fy2026_operating_income:upside/formula/refs/1 | None | upside_2026q3_operating_income |
| /operating_model/cells/upside_fy2026_operating_income:upside/formula/refs/2 | None | upside_2026q4_operating_income |
| /operating_model/cells/upside_fy2026_operating_income:upside/id | None | upside_fy2026_operating_income |
| /operating_model/cells/upside_fy2026_operating_income:upside/kind | None | derived |
| /operating_model/cells/upside_fy2026_operating_income:upside/label | None | Operating income proxy ($M) |
| /operating_model/cells/upside_fy2026_operating_income:upside/period | None | FY2026 |
| /operating_model/cells/upside_fy2026_operating_income:upside/unit | None | USD_millions |
| /operating_model/cells/upside_fy2026_operating_income:upside/value | None | 246.84526349999987 |
| /operating_model/cells/upside_fy2026_payments:upside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/upside_fy2026_payments:upside/case | None | upside |
| /operating_model/cells/upside_fy2026_payments:upside/formula/op | None | sum |
| /operating_model/cells/upside_fy2026_payments:upside/formula/refs/0 | None | h1_payments |
| /operating_model/cells/upside_fy2026_payments:upside/formula/refs/1 | None | upside_2026q3_payments |
| /operating_model/cells/upside_fy2026_payments:upside/formula/refs/2 | None | upside_2026q4_payments |
| /operating_model/cells/upside_fy2026_payments:upside/id | None | upside_fy2026_payments |
| /operating_model/cells/upside_fy2026_payments:upside/kind | None | derived |
| /operating_model/cells/upside_fy2026_payments:upside/label | None | Payments revenue ($M) |
| /operating_model/cells/upside_fy2026_payments:upside/period | None | FY2026 |
| /operating_model/cells/upside_fy2026_payments:upside/unit | None | USD_millions |
| /operating_model/cells/upside_fy2026_payments:upside/value | None | 1847.0729999999999 |
| /operating_model/cells/upside_fy2026_platform:upside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/upside_fy2026_platform:upside/case | None | upside |
| /operating_model/cells/upside_fy2026_platform:upside/formula/op | None | sum |
| /operating_model/cells/upside_fy2026_platform:upside/formula/refs/0 | None | h1_platform |
| /operating_model/cells/upside_fy2026_platform:upside/formula/refs/1 | None | upside_2026q3_platform |
| /operating_model/cells/upside_fy2026_platform:upside/formula/refs/2 | None | upside_2026q4_platform |
| /operating_model/cells/upside_fy2026_platform:upside/id | None | upside_fy2026_platform |
| /operating_model/cells/upside_fy2026_platform:upside/kind | None | derived |
| /operating_model/cells/upside_fy2026_platform:upside/label | None | Platform revenue ($M) |
| /operating_model/cells/upside_fy2026_platform:upside/period | None | FY2026 |
| /operating_model/cells/upside_fy2026_platform:upside/unit | None | USD_millions |
| /operating_model/cells/upside_fy2026_platform:upside/value | None | 1035.1115 |
| /operating_model/cells/upside_fy2026_revenue:upside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/upside_fy2026_revenue:upside/case | None | upside |
| /operating_model/cells/upside_fy2026_revenue:upside/formula/op | None | sum |
| /operating_model/cells/upside_fy2026_revenue:upside/formula/refs/0 | None | h1_revenue |
| /operating_model/cells/upside_fy2026_revenue:upside/formula/refs/1 | None | upside_2026q3_revenue |
| /operating_model/cells/upside_fy2026_revenue:upside/formula/refs/2 | None | upside_2026q4_revenue |
| /operating_model/cells/upside_fy2026_revenue:upside/id | None | upside_fy2026_revenue |
| /operating_model/cells/upside_fy2026_revenue:upside/kind | None | derived |
| /operating_model/cells/upside_fy2026_revenue:upside/label | None | Revenue ($M) |
| /operating_model/cells/upside_fy2026_revenue:upside/period | None | FY2026 |
| /operating_model/cells/upside_fy2026_revenue:upside/unit | None | USD_millions |
| /operating_model/cells/upside_fy2026_revenue:upside/value | None | 2882.1845 |
| /operating_model/cells/upside_fy2026_transaction_profit:upside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/upside_fy2026_transaction_profit:upside/case | None | upside |
| /operating_model/cells/upside_fy2026_transaction_profit:upside/formula/op | None | sum |
| /operating_model/cells/upside_fy2026_transaction_profit:upside/formula/refs/0 | None | h1_transaction_profit |
| /operating_model/cells/upside_fy2026_transaction_profit:upside/formula/refs/1 | None | upside_2026q3_transaction_profit |
| /operating_model/cells/upside_fy2026_transaction_profit:upside/formula/refs/2 | None | upside_2026q4_transaction_profit |
| /operating_model/cells/upside_fy2026_transaction_profit:upside/id | None | upside_fy2026_transaction_profit |
| /operating_model/cells/upside_fy2026_transaction_profit:upside/kind | None | derived |
| /operating_model/cells/upside_fy2026_transaction_profit:upside/label | None | Transaction profit proxy ($M) |
| /operating_model/cells/upside_fy2026_transaction_profit:upside/period | None | FY2026 |
| /operating_model/cells/upside_fy2026_transaction_profit:upside/unit | None | USD_millions |
| /operating_model/cells/upside_fy2026_transaction_profit:upside/value | None | 2155.970255 |
| /operating_model/cells/upside_fy2027_acquisition_cash:upside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/upside_fy2027_acquisition_cash:upside/case | None | upside |
| /operating_model/cells/upside_fy2027_acquisition_cash:upside/formula/op | None | sum |
| /operating_model/cells/upside_fy2027_acquisition_cash:upside/formula/refs/0 | None | upside_2027q1_acquisition_cash |
| /operating_model/cells/upside_fy2027_acquisition_cash:upside/formula/refs/1 | None | upside_2027q2_acquisition_cash |
| /operating_model/cells/upside_fy2027_acquisition_cash:upside/formula/refs/2 | None | upside_2027q3_acquisition_cash |
| /operating_model/cells/upside_fy2027_acquisition_cash:upside/formula/refs/3 | None | upside_2027q4_acquisition_cash |
| /operating_model/cells/upside_fy2027_acquisition_cash:upside/id | None | upside_fy2027_acquisition_cash |
| /operating_model/cells/upside_fy2027_acquisition_cash:upside/kind | None | derived |
| /operating_model/cells/upside_fy2027_acquisition_cash:upside/label | None | Conditional Stride cash price ($M) |
| /operating_model/cells/upside_fy2027_acquisition_cash:upside/period | None | FY2027 |
| /operating_model/cells/upside_fy2027_acquisition_cash:upside/unit | None | USD_millions |
| /operating_model/cells/upside_fy2027_acquisition_cash:upside/value | None | 590.0 |
| /operating_model/cells/upside_fy2027_adj_ebitda:upside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/upside_fy2027_adj_ebitda:upside/case | None | upside |
| /operating_model/cells/upside_fy2027_adj_ebitda:upside/formula/op | None | sum |
| /operating_model/cells/upside_fy2027_adj_ebitda:upside/formula/refs/0 | None | upside_2027q1_adj_ebitda |
| /operating_model/cells/upside_fy2027_adj_ebitda:upside/formula/refs/1 | None | upside_2027q2_adj_ebitda |
| /operating_model/cells/upside_fy2027_adj_ebitda:upside/formula/refs/2 | None | upside_2027q3_adj_ebitda |
| /operating_model/cells/upside_fy2027_adj_ebitda:upside/formula/refs/3 | None | upside_2027q4_adj_ebitda |
| /operating_model/cells/upside_fy2027_adj_ebitda:upside/id | None | upside_fy2027_adj_ebitda |
| /operating_model/cells/upside_fy2027_adj_ebitda:upside/kind | None | derived |
| /operating_model/cells/upside_fy2027_adj_ebitda:upside/label | None | Adjusted EBITDA proxy ($M) |
| /operating_model/cells/upside_fy2027_adj_ebitda:upside/period | None | FY2027 |
| /operating_model/cells/upside_fy2027_adj_ebitda:upside/unit | None | USD_millions |
| /operating_model/cells/upside_fy2027_adj_ebitda:upside/value | None | 1017.0219999999999 |
| /operating_model/cells/upside_fy2027_capex:upside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/upside_fy2027_capex:upside/case | None | upside |
| /operating_model/cells/upside_fy2027_capex:upside/formula/op | None | sum |
| /operating_model/cells/upside_fy2027_capex:upside/formula/refs/0 | None | upside_2027q1_capex |
| /operating_model/cells/upside_fy2027_capex:upside/formula/refs/1 | None | upside_2027q2_capex |
| /operating_model/cells/upside_fy2027_capex:upside/formula/refs/2 | None | upside_2027q3_capex |
| /operating_model/cells/upside_fy2027_capex:upside/formula/refs/3 | None | upside_2027q4_capex |
| /operating_model/cells/upside_fy2027_capex:upside/id | None | upside_fy2027_capex |
| /operating_model/cells/upside_fy2027_capex:upside/kind | None | derived |
| /operating_model/cells/upside_fy2027_capex:upside/label | None | PP&E and software cash ($M) |
| /operating_model/cells/upside_fy2027_capex:upside/period | None | FY2027 |
| /operating_model/cells/upside_fy2027_capex:upside/unit | None | USD_millions |
| /operating_model/cells/upside_fy2027_capex:upside/value | None | 54.0 |
| /operating_model/cells/upside_fy2027_cash_after_acquisition:upside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/upside_fy2027_cash_after_acquisition:upside/case | None | upside |
| /operating_model/cells/upside_fy2027_cash_after_acquisition:upside/formula/op | None | sum |
| /operating_model/cells/upside_fy2027_cash_after_acquisition:upside/formula/refs/0 | None | upside_2027q1_cash_after_acquisition |
| /operating_model/cells/upside_fy2027_cash_after_acquisition:upside/formula/refs/1 | None | upside_2027q2_cash_after_acquisition |
| /operating_model/cells/upside_fy2027_cash_after_acquisition:upside/formula/refs/2 | None | upside_2027q3_cash_after_acquisition |
| /operating_model/cells/upside_fy2027_cash_after_acquisition:upside/formula/refs/3 | None | upside_2027q4_cash_after_acquisition |
| /operating_model/cells/upside_fy2027_cash_after_acquisition:upside/id | None | upside_fy2027_cash_after_acquisition |
| /operating_model/cells/upside_fy2027_cash_after_acquisition:upside/kind | None | derived |
| /operating_model/cells/upside_fy2027_cash_after_acquisition:upside/label | None | Cash after conditional acquisition ($M) |
| /operating_model/cells/upside_fy2027_cash_after_acquisition:upside/period | None | FY2027 |
| /operating_model/cells/upside_fy2027_cash_after_acquisition:upside/unit | None | USD_millions |
| /operating_model/cells/upside_fy2027_cash_after_acquisition:upside/value | None | -31.47800000000001 |
| /operating_model/cells/upside_fy2027_cash_after_funding:upside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/upside_fy2027_cash_after_funding:upside/case | None | upside |
| /operating_model/cells/upside_fy2027_cash_after_funding:upside/formula/op | None | sum |
| /operating_model/cells/upside_fy2027_cash_after_funding:upside/formula/refs/0 | None | upside_2027q1_cash_after_funding |
| /operating_model/cells/upside_fy2027_cash_after_funding:upside/formula/refs/1 | None | upside_2027q2_cash_after_funding |
| /operating_model/cells/upside_fy2027_cash_after_funding:upside/formula/refs/2 | None | upside_2027q3_cash_after_funding |
| /operating_model/cells/upside_fy2027_cash_after_funding:upside/formula/refs/3 | None | upside_2027q4_cash_after_funding |
| /operating_model/cells/upside_fy2027_cash_after_funding:upside/id | None | upside_fy2027_cash_after_funding |
| /operating_model/cells/upside_fy2027_cash_after_funding:upside/kind | None | derived |
| /operating_model/cells/upside_fy2027_cash_after_funding:upside/label | None | Cash after loans and capex ($M) |
| /operating_model/cells/upside_fy2027_cash_after_funding:upside/period | None | FY2027 |
| /operating_model/cells/upside_fy2027_cash_after_funding:upside/unit | None | USD_millions |
| /operating_model/cells/upside_fy2027_cash_after_funding:upside/value | None | 558.5219999999999 |
| /operating_model/cells/upside_fy2027_cfo:upside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/upside_fy2027_cfo:upside/case | None | upside |
| /operating_model/cells/upside_fy2027_cfo:upside/formula/op | None | sum |
| /operating_model/cells/upside_fy2027_cfo:upside/formula/refs/0 | None | upside_2027q1_cfo |
| /operating_model/cells/upside_fy2027_cfo:upside/formula/refs/1 | None | upside_2027q2_cfo |
| /operating_model/cells/upside_fy2027_cfo:upside/formula/refs/2 | None | upside_2027q3_cfo |
| /operating_model/cells/upside_fy2027_cfo:upside/formula/refs/3 | None | upside_2027q4_cfo |
| /operating_model/cells/upside_fy2027_cfo:upside/id | None | upside_fy2027_cfo |
| /operating_model/cells/upside_fy2027_cfo:upside/kind | None | derived |
| /operating_model/cells/upside_fy2027_cfo:upside/label | None | Operating cash flow proxy ($M) |
| /operating_model/cells/upside_fy2027_cfo:upside/period | None | FY2027 |
| /operating_model/cells/upside_fy2027_cfo:upside/unit | None | USD_millions |
| /operating_model/cells/upside_fy2027_cfo:upside/value | None | 854.0219999999999 |
| /operating_model/cells/upside_fy2027_net_loan_funding:upside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/upside_fy2027_net_loan_funding:upside/case | None | upside |
| /operating_model/cells/upside_fy2027_net_loan_funding:upside/formula/op | None | sum |
| /operating_model/cells/upside_fy2027_net_loan_funding:upside/formula/refs/0 | None | upside_2027q1_net_loan_funding |
| /operating_model/cells/upside_fy2027_net_loan_funding:upside/formula/refs/1 | None | upside_2027q2_net_loan_funding |
| /operating_model/cells/upside_fy2027_net_loan_funding:upside/formula/refs/2 | None | upside_2027q3_net_loan_funding |
| /operating_model/cells/upside_fy2027_net_loan_funding:upside/formula/refs/3 | None | upside_2027q4_net_loan_funding |
| /operating_model/cells/upside_fy2027_net_loan_funding:upside/id | None | upside_fy2027_net_loan_funding |
| /operating_model/cells/upside_fy2027_net_loan_funding:upside/kind | None | derived |
| /operating_model/cells/upside_fy2027_net_loan_funding:upside/label | None | Loan purchases less repayments ($M) |
| /operating_model/cells/upside_fy2027_net_loan_funding:upside/period | None | FY2027 |
| /operating_model/cells/upside_fy2027_net_loan_funding:upside/unit | None | USD_millions |
| /operating_model/cells/upside_fy2027_net_loan_funding:upside/value | None | 241.49999999999997 |
| /operating_model/cells/upside_fy2027_operating_income:upside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/upside_fy2027_operating_income:upside/case | None | upside |
| /operating_model/cells/upside_fy2027_operating_income:upside/formula/op | None | sum |
| /operating_model/cells/upside_fy2027_operating_income:upside/formula/refs/0 | None | upside_2027q1_operating_income |
| /operating_model/cells/upside_fy2027_operating_income:upside/formula/refs/1 | None | upside_2027q2_operating_income |
| /operating_model/cells/upside_fy2027_operating_income:upside/formula/refs/2 | None | upside_2027q3_operating_income |
| /operating_model/cells/upside_fy2027_operating_income:upside/formula/refs/3 | None | upside_2027q4_operating_income |
| /operating_model/cells/upside_fy2027_operating_income:upside/id | None | upside_fy2027_operating_income |
| /operating_model/cells/upside_fy2027_operating_income:upside/kind | None | derived |
| /operating_model/cells/upside_fy2027_operating_income:upside/label | None | Operating income proxy ($M) |
| /operating_model/cells/upside_fy2027_operating_income:upside/period | None | FY2027 |
| /operating_model/cells/upside_fy2027_operating_income:upside/unit | None | USD_millions |
| /operating_model/cells/upside_fy2027_operating_income:upside/value | None | 619.0219999999999 |
| /operating_model/cells/upside_fy2027_payments:upside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/upside_fy2027_payments:upside/case | None | upside |
| /operating_model/cells/upside_fy2027_payments:upside/formula/op | None | sum |
| /operating_model/cells/upside_fy2027_payments:upside/formula/refs/0 | None | upside_2027q1_payments |
| /operating_model/cells/upside_fy2027_payments:upside/formula/refs/1 | None | upside_2027q2_payments |
| /operating_model/cells/upside_fy2027_payments:upside/formula/refs/2 | None | upside_2027q3_payments |
| /operating_model/cells/upside_fy2027_payments:upside/formula/refs/3 | None | upside_2027q4_payments |
| /operating_model/cells/upside_fy2027_payments:upside/id | None | upside_fy2027_payments |
| /operating_model/cells/upside_fy2027_payments:upside/kind | None | derived |
| /operating_model/cells/upside_fy2027_payments:upside/label | None | Payments revenue ($M) |
| /operating_model/cells/upside_fy2027_payments:upside/period | None | FY2027 |
| /operating_model/cells/upside_fy2027_payments:upside/unit | None | USD_millions |
| /operating_model/cells/upside_fy2027_payments:upside/value | None | 2209.5499999999997 |
| /operating_model/cells/upside_fy2027_platform:upside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/upside_fy2027_platform:upside/case | None | upside |
| /operating_model/cells/upside_fy2027_platform:upside/formula/op | None | sum |
| /operating_model/cells/upside_fy2027_platform:upside/formula/refs/0 | None | upside_2027q1_platform |
| /operating_model/cells/upside_fy2027_platform:upside/formula/refs/1 | None | upside_2027q2_platform |
| /operating_model/cells/upside_fy2027_platform:upside/formula/refs/2 | None | upside_2027q3_platform |
| /operating_model/cells/upside_fy2027_platform:upside/formula/refs/3 | None | upside_2027q4_platform |
| /operating_model/cells/upside_fy2027_platform:upside/id | None | upside_fy2027_platform |
| /operating_model/cells/upside_fy2027_platform:upside/kind | None | derived |
| /operating_model/cells/upside_fy2027_platform:upside/label | None | Platform revenue ($M) |
| /operating_model/cells/upside_fy2027_platform:upside/period | None | FY2027 |
| /operating_model/cells/upside_fy2027_platform:upside/unit | None | USD_millions |
| /operating_model/cells/upside_fy2027_platform:upside/value | None | 1496.0 |
| /operating_model/cells/upside_fy2027_revenue:upside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/upside_fy2027_revenue:upside/case | None | upside |
| /operating_model/cells/upside_fy2027_revenue:upside/formula/op | None | sum |
| /operating_model/cells/upside_fy2027_revenue:upside/formula/refs/0 | None | upside_2027q1_revenue |
| /operating_model/cells/upside_fy2027_revenue:upside/formula/refs/1 | None | upside_2027q2_revenue |
| /operating_model/cells/upside_fy2027_revenue:upside/formula/refs/2 | None | upside_2027q3_revenue |
| /operating_model/cells/upside_fy2027_revenue:upside/formula/refs/3 | None | upside_2027q4_revenue |
| /operating_model/cells/upside_fy2027_revenue:upside/id | None | upside_fy2027_revenue |
| /operating_model/cells/upside_fy2027_revenue:upside/kind | None | derived |
| /operating_model/cells/upside_fy2027_revenue:upside/label | None | Revenue ($M) |
| /operating_model/cells/upside_fy2027_revenue:upside/period | None | FY2027 |
| /operating_model/cells/upside_fy2027_revenue:upside/unit | None | USD_millions |
| /operating_model/cells/upside_fy2027_revenue:upside/value | None | 3705.55 |
| /operating_model/cells/upside_fy2027_transaction_profit:upside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/upside_fy2027_transaction_profit:upside/case | None | upside |
| /operating_model/cells/upside_fy2027_transaction_profit:upside/formula/op | None | sum |
| /operating_model/cells/upside_fy2027_transaction_profit:upside/formula/refs/0 | None | upside_2027q1_transaction_profit |
| /operating_model/cells/upside_fy2027_transaction_profit:upside/formula/refs/1 | None | upside_2027q2_transaction_profit |
| /operating_model/cells/upside_fy2027_transaction_profit:upside/formula/refs/2 | None | upside_2027q3_transaction_profit |
| /operating_model/cells/upside_fy2027_transaction_profit:upside/formula/refs/3 | None | upside_2027q4_transaction_profit |
| /operating_model/cells/upside_fy2027_transaction_profit:upside/id | None | upside_fy2027_transaction_profit |
| /operating_model/cells/upside_fy2027_transaction_profit:upside/kind | None | derived |
| /operating_model/cells/upside_fy2027_transaction_profit:upside/label | None | Transaction profit proxy ($M) |
| /operating_model/cells/upside_fy2027_transaction_profit:upside/period | None | FY2027 |
| /operating_model/cells/upside_fy2027_transaction_profit:upside/unit | None | USD_millions |
| /operating_model/cells/upside_fy2027_transaction_profit:upside/value | None | 2784.7595 |
| /operating_model/highlights/0 | None | q3_revenue_guide |
| /operating_model/highlights/1 | None | fy26_revenue_guide |
| /operating_model/highlights/10 | None | h1_buybacks |
| /operating_model/highlights/11 | None | stride_price |
| /operating_model/highlights/2 | None | fy26_ebitda_guide |
| /operating_model/highlights/3 | None | h1_transaction_profit |
| /operating_model/highlights/4 | None | h1_adj_ebitda |
| /operating_model/highlights/5 | None | h1_cfo |
| /operating_model/highlights/6 | None | h1_net_loan_funding |
| /operating_model/highlights/7 | None | h1_cash_after_funding |
| /operating_model/highlights/8 | None | liquidity |
| /operating_model/highlights/9 | None | restricted |
| /operating_model/limitations/0 | None | September 8 revenue and adjusted EBITDA guidance supersedes August earnings guidance. Base Q3 revenue $705M, EBITDA $118.5M and FY2026 revenue $2.765B/EBITDA $485M are calibrated to that update. |
| /operating_model/limitations/1 | None | Platform revenue and risk-loss decomposition are desk assumptions. Reported ARPAM is annualized and cannot be multiplied by closing members as if all were present for the whole quarter. |
| /operating_model/limitations/2 | None | MyPay origination volume is not revenue or owned loan assets. The model separately estimates expected losses; historical noncash product-obligation fair-value adjustments are not treated as recurring new cash earnings. |
| /operating_model/limitations/3 | None | CFO excludes loan purchases net of repayments classified in investing. Cash after funding also deducts that loan investment and both purchased and internally developed software. |
| /operating_model/limitations/4 | None | Chime remains a fintech using bank partners pending closing. Member deposits at partners and restricted cash are not Chime corporate cash. Stride would require a bank-specific balance-sheet and capital model after completion. |
| /operating_model/limitations/5 | None | The $590M Stride acquisition is conditional on regulatory approvals, with H1 2027 expected closing. Quarter placement is a timing sensitivity. No acquired revenue, deposits or $100M-plus expected net synergies are booked as already earned. |
| /operating_model/limitations/6 | None | Cash after acquisition excludes discretionary repurchases, principal repayments and new warehouse financing. It is not a forecast parent cash balance or distributable cash. |
| /operating_model/limitations/7 | None | No EPS forecast: SBC, buybacks, treasury shares, acquisition accounting and bank capital need a complete ownership bridge. |
| /operating_model/method | None | Drive payments from purchase volume and net yield. Scale platform revenue separately with membership and monetization. Deduct processing cost and explicit MyPay/other risk losses before corporate expense. Bridge adjusted EBITDA to operating income, operating cash, net loan funding and capital spending. The pending Stride price is a separate conditional cash claim; bank balance-sheet consolidation and synergies are excluded until supportable. |
| /operating_model/metrics/acquisition_cash | None | Conditional Stride cash price ($M) |
| /operating_model/metrics/adj_ebitda | None | Adjusted EBITDA proxy ($M) |
| /operating_model/metrics/capex | None | PP&E and software cash ($M) |
| /operating_model/metrics/cash_after_acquisition | None | Cash after conditional acquisition ($M) |
| /operating_model/metrics/cash_after_funding | None | Cash after loans and capex ($M) |
| /operating_model/metrics/cfo | None | Operating cash flow proxy ($M) |
| /operating_model/metrics/net_loan_funding | None | Loan purchases less repayments ($M) |
| /operating_model/metrics/operating_income | None | Operating income proxy ($M) |
| /operating_model/metrics/payments | None | Payments revenue ($M) |
| /operating_model/metrics/platform | None | Platform revenue ($M) |
| /operating_model/metrics/revenue | None | Revenue ($M) |
| /operating_model/metrics/transaction_profit | None | Transaction profit proxy ($M) |
| /operating_model/outputs/2026Q3:base/case | None | base |
| /operating_model/outputs/2026Q3:base/frequency | None | quarter |
| /operating_model/outputs/2026Q3:base/metrics/acquisition_cash | None | base_2026q3_acquisition_cash |
| /operating_model/outputs/2026Q3:base/metrics/adj_ebitda | None | base_2026q3_adj_ebitda |
| /operating_model/outputs/2026Q3:base/metrics/capex | None | base_2026q3_capex |
| /operating_model/outputs/2026Q3:base/metrics/cash_after_acquisition | None | base_2026q3_cash_after_acquisition |
| /operating_model/outputs/2026Q3:base/metrics/cash_after_funding | None | base_2026q3_cash_after_funding |
| /operating_model/outputs/2026Q3:base/metrics/cfo | None | base_2026q3_cfo |
| /operating_model/outputs/2026Q3:base/metrics/net_loan_funding | None | base_2026q3_net_loan_funding |
| /operating_model/outputs/2026Q3:base/metrics/operating_income | None | base_2026q3_operating_income |
| /operating_model/outputs/2026Q3:base/metrics/payments | None | base_2026q3_payments |
| /operating_model/outputs/2026Q3:base/metrics/platform | None | base_2026q3_platform |
| /operating_model/outputs/2026Q3:base/metrics/revenue | None | base_2026q3_revenue |
| /operating_model/outputs/2026Q3:base/metrics/transaction_profit | None | base_2026q3_transaction_profit |
| /operating_model/outputs/2026Q3:base/period | None | 2026Q3 |
| /operating_model/outputs/2026Q3:base/period_end | None | 2026-09-30 |
| /operating_model/outputs/2026Q3:base/values/acquisition_cash | None | 0.0 |
| /operating_model/outputs/2026Q3:base/values/adj_ebitda | None | 118.5 |
| /operating_model/outputs/2026Q3:base/values/capex | None | 10.0 |
| /operating_model/outputs/2026Q3:base/values/cash_after_acquisition | None | 59.5 |
| /operating_model/outputs/2026Q3:base/values/cash_after_funding | None | 59.5 |
| /operating_model/outputs/2026Q3:base/values/cfo | None | 104.5 |
| /operating_model/outputs/2026Q3:base/values/net_loan_funding | None | 35.0 |
| /operating_model/outputs/2026Q3:base/values/operating_income | None | 36.5 |
| /operating_model/outputs/2026Q3:base/values/payments | None | 450.0 |
| /operating_model/outputs/2026Q3:base/values/platform | None | 255.00000000000003 |
| /operating_model/outputs/2026Q3:base/values/revenue | None | 705.0 |
| /operating_model/outputs/2026Q3:base/values/transaction_profit | None | 518.25 |
| /operating_model/outputs/2026Q3:downside/case | None | downside |
| /operating_model/outputs/2026Q3:downside/frequency | None | quarter |
| /operating_model/outputs/2026Q3:downside/metrics/acquisition_cash | None | downside_2026q3_acquisition_cash |
| /operating_model/outputs/2026Q3:downside/metrics/adj_ebitda | None | downside_2026q3_adj_ebitda |
| /operating_model/outputs/2026Q3:downside/metrics/capex | None | downside_2026q3_capex |
| /operating_model/outputs/2026Q3:downside/metrics/cash_after_acquisition | None | downside_2026q3_cash_after_acquisition |
| /operating_model/outputs/2026Q3:downside/metrics/cash_after_funding | None | downside_2026q3_cash_after_funding |
| /operating_model/outputs/2026Q3:downside/metrics/cfo | None | downside_2026q3_cfo |
| /operating_model/outputs/2026Q3:downside/metrics/net_loan_funding | None | downside_2026q3_net_loan_funding |
| /operating_model/outputs/2026Q3:downside/metrics/operating_income | None | downside_2026q3_operating_income |
| /operating_model/outputs/2026Q3:downside/metrics/payments | None | downside_2026q3_payments |
| /operating_model/outputs/2026Q3:downside/metrics/platform | None | downside_2026q3_platform |
| /operating_model/outputs/2026Q3:downside/metrics/revenue | None | downside_2026q3_revenue |
| /operating_model/outputs/2026Q3:downside/metrics/transaction_profit | None | downside_2026q3_transaction_profit |
| /operating_model/outputs/2026Q3:downside/period | None | 2026Q3 |
| /operating_model/outputs/2026Q3:downside/period_end | None | 2026-09-30 |
| /operating_model/outputs/2026Q3:downside/values/acquisition_cash | None | 0.0 |
| /operating_model/outputs/2026Q3:downside/values/adj_ebitda | None | 22.68000000000012 |
| /operating_model/outputs/2026Q3:downside/values/capex | None | 10.0 |
| /operating_model/outputs/2026Q3:downside/values/cash_after_acquisition | None | -50.31999999999988 |
| /operating_model/outputs/2026Q3:downside/values/cash_after_funding | None | -50.31999999999988 |
| /operating_model/outputs/2026Q3:downside/values/cfo | None | 8.68000000000012 |
| /operating_model/outputs/2026Q3:downside/values/net_loan_funding | None | 49.0 |
| /operating_model/outputs/2026Q3:downside/values/operating_income | None | -59.31999999999988 |
| /operating_model/outputs/2026Q3:downside/values/payments | None | 418.5 |
| /operating_model/outputs/2026Q3:downside/values/platform | None | 237.15000000000003 |
| /operating_model/outputs/2026Q3:downside/values/revenue | None | 655.6500000000001 |
| /operating_model/outputs/2026Q3:downside/values/transaction_profit | None | 450.41250000000014 |
| /operating_model/outputs/2026Q3:upside/case | None | upside |
| /operating_model/outputs/2026Q3:upside/frequency | None | quarter |
| /operating_model/outputs/2026Q3:upside/metrics/acquisition_cash | None | upside_2026q3_acquisition_cash |
| /operating_model/outputs/2026Q3:upside/metrics/adj_ebitda | None | upside_2026q3_adj_ebitda |
| /operating_model/outputs/2026Q3:upside/metrics/capex | None | upside_2026q3_capex |
| /operating_model/outputs/2026Q3:upside/metrics/cash_after_acquisition | None | upside_2026q3_cash_after_acquisition |
| /operating_model/outputs/2026Q3:upside/metrics/cash_after_funding | None | upside_2026q3_cash_after_funding |
| /operating_model/outputs/2026Q3:upside/metrics/cfo | None | upside_2026q3_cfo |
| /operating_model/outputs/2026Q3:upside/metrics/net_loan_funding | None | upside_2026q3_net_loan_funding |
| /operating_model/outputs/2026Q3:upside/metrics/operating_income | None | upside_2026q3_operating_income |
| /operating_model/outputs/2026Q3:upside/metrics/payments | None | upside_2026q3_payments |
| /operating_model/outputs/2026Q3:upside/metrics/platform | None | upside_2026q3_platform |
| /operating_model/outputs/2026Q3:upside/metrics/revenue | None | upside_2026q3_revenue |
| /operating_model/outputs/2026Q3:upside/metrics/transaction_profit | None | upside_2026q3_transaction_profit |
| /operating_model/outputs/2026Q3:upside/period | None | 2026Q3 |
| /operating_model/outputs/2026Q3:upside/period_end | None | 2026-09-30 |
| /operating_model/outputs/2026Q3:upside/values/acquisition_cash | None | 0.0 |
| /operating_model/outputs/2026Q3:upside/values/adj_ebitda | None | 158.85750000000002 |
| /operating_model/outputs/2026Q3:upside/values/capex | None | 10.0 |
| /operating_model/outputs/2026Q3:upside/values/cash_after_acquisition | None | 94.60750000000002 |
| /operating_model/outputs/2026Q3:upside/values/cash_after_funding | None | 94.60750000000002 |
| /operating_model/outputs/2026Q3:upside/values/cfo | None | 144.85750000000002 |
| /operating_model/outputs/2026Q3:upside/values/net_loan_funding | None | 40.25 |
| /operating_model/outputs/2026Q3:upside/values/operating_income | None | 76.85750000000002 |
| /operating_model/outputs/2026Q3:upside/values/payments | None | 481.5 |
| /operating_model/outputs/2026Q3:upside/values/platform | None | 280.5 |
| /operating_model/outputs/2026Q3:upside/values/revenue | None | 762.0 |
| /operating_model/outputs/2026Q3:upside/values/transaction_profit | None | 570.6 |
| /operating_model/outputs/2026Q4:base/case | None | base |
| /operating_model/outputs/2026Q4:base/frequency | None | quarter |
| /operating_model/outputs/2026Q4:base/metrics/acquisition_cash | None | base_2026q4_acquisition_cash |
| /operating_model/outputs/2026Q4:base/metrics/adj_ebitda | None | base_2026q4_adj_ebitda |
| /operating_model/outputs/2026Q4:base/metrics/capex | None | base_2026q4_capex |
| /operating_model/outputs/2026Q4:base/metrics/cash_after_acquisition | None | base_2026q4_cash_after_acquisition |
| /operating_model/outputs/2026Q4:base/metrics/cash_after_funding | None | base_2026q4_cash_after_funding |
| /operating_model/outputs/2026Q4:base/metrics/cfo | None | base_2026q4_cfo |
| /operating_model/outputs/2026Q4:base/metrics/net_loan_funding | None | base_2026q4_net_loan_funding |
| /operating_model/outputs/2026Q4:base/metrics/operating_income | None | base_2026q4_operating_income |
| /operating_model/outputs/2026Q4:base/metrics/payments | None | base_2026q4_payments |
| /operating_model/outputs/2026Q4:base/metrics/platform | None | base_2026q4_platform |
| /operating_model/outputs/2026Q4:base/metrics/revenue | None | base_2026q4_revenue |
| /operating_model/outputs/2026Q4:base/metrics/transaction_profit | None | base_2026q4_transaction_profit |
| /operating_model/outputs/2026Q4:base/period | None | 2026Q4 |
| /operating_model/outputs/2026Q4:base/period_end | None | 2026-12-31 |
| /operating_model/outputs/2026Q4:base/values/acquisition_cash | None | 0.0 |
| /operating_model/outputs/2026Q4:base/values/adj_ebitda | None | 146.284 |
| /operating_model/outputs/2026Q4:base/values/capex | None | 11.0 |
| /operating_model/outputs/2026Q4:base/values/cash_after_acquisition | None | 74.28399999999999 |
| /operating_model/outputs/2026Q4:base/values/cash_after_funding | None | 74.28399999999999 |
| /operating_model/outputs/2026Q4:base/values/cfo | None | 125.28399999999999 |
| /operating_model/outputs/2026Q4:base/values/net_loan_funding | None | 40.0 |
| /operating_model/outputs/2026Q4:base/values/operating_income | None | 59.28399999999999 |
| /operating_model/outputs/2026Q4:base/values/payments | None | 470.0 |
| /operating_model/outputs/2026Q4:base/values/platform | None | 272.84499999999997 |
| /operating_model/outputs/2026Q4:base/values/revenue | None | 742.845 |
| /operating_model/outputs/2026Q4:base/values/transaction_profit | None | 547.13205 |
| /operating_model/outputs/2026Q4:downside/case | None | downside |
| /operating_model/outputs/2026Q4:downside/frequency | None | quarter |
| /operating_model/outputs/2026Q4:downside/metrics/acquisition_cash | None | downside_2026q4_acquisition_cash |
| /operating_model/outputs/2026Q4:downside/metrics/adj_ebitda | None | downside_2026q4_adj_ebitda |
| /operating_model/outputs/2026Q4:downside/metrics/capex | None | downside_2026q4_capex |
| /operating_model/outputs/2026Q4:downside/metrics/cash_after_acquisition | None | downside_2026q4_cash_after_acquisition |
| /operating_model/outputs/2026Q4:downside/metrics/cash_after_funding | None | downside_2026q4_cash_after_funding |
| /operating_model/outputs/2026Q4:downside/metrics/cfo | None | downside_2026q4_cfo |
| /operating_model/outputs/2026Q4:downside/metrics/net_loan_funding | None | downside_2026q4_net_loan_funding |
| /operating_model/outputs/2026Q4:downside/metrics/operating_income | None | downside_2026q4_operating_income |
| /operating_model/outputs/2026Q4:downside/metrics/payments | None | downside_2026q4_payments |
| /operating_model/outputs/2026Q4:downside/metrics/platform | None | downside_2026q4_platform |
| /operating_model/outputs/2026Q4:downside/metrics/revenue | None | downside_2026q4_revenue |
| /operating_model/outputs/2026Q4:downside/metrics/transaction_profit | None | downside_2026q4_transaction_profit |
| /operating_model/outputs/2026Q4:downside/period | None | 2026Q4 |
| /operating_model/outputs/2026Q4:downside/period_end | None | 2026-12-31 |
| /operating_model/outputs/2026Q4:downside/values/acquisition_cash | None | 0.0 |
| /operating_model/outputs/2026Q4:downside/values/adj_ebitda | None | 47.01539299999996 |
| /operating_model/outputs/2026Q4:downside/values/capex | None | 11.0 |
| /operating_model/outputs/2026Q4:downside/values/cash_after_acquisition | None | -40.98460700000004 |
| /operating_model/outputs/2026Q4:downside/values/cash_after_funding | None | -40.98460700000004 |
| /operating_model/outputs/2026Q4:downside/values/cfo | None | 26.01539299999996 |
| /operating_model/outputs/2026Q4:downside/values/net_loan_funding | None | 56.0 |
| /operating_model/outputs/2026Q4:downside/values/operating_income | None | -39.98460700000004 |
| /operating_model/outputs/2026Q4:downside/values/payments | None | 437.09999999999997 |
| /operating_model/outputs/2026Q4:downside/values/platform | None | 253.74585000000005 |
| /operating_model/outputs/2026Q4:downside/values/revenue | None | 690.84585 |
| /operating_model/outputs/2026Q4:downside/values/transaction_profit | None | 475.92280650000004 |
| /operating_model/outputs/2026Q4:upside/case | None | upside |
| /operating_model/outputs/2026Q4:upside/frequency | None | quarter |
| /operating_model/outputs/2026Q4:upside/metrics/acquisition_cash | None | upside_2026q4_acquisition_cash |
| /operating_model/outputs/2026Q4:upside/metrics/adj_ebitda | None | upside_2026q4_adj_ebitda |
| /operating_model/outputs/2026Q4:upside/metrics/capex | None | upside_2026q4_capex |
| /operating_model/outputs/2026Q4:upside/metrics/cash_after_acquisition | None | upside_2026q4_cash_after_acquisition |
| /operating_model/outputs/2026Q4:upside/metrics/cash_after_funding | None | upside_2026q4_cash_after_funding |
| /operating_model/outputs/2026Q4:upside/metrics/cfo | None | upside_2026q4_cfo |
| /operating_model/outputs/2026Q4:upside/metrics/net_loan_funding | None | upside_2026q4_net_loan_funding |
| /operating_model/outputs/2026Q4:upside/metrics/operating_income | None | upside_2026q4_operating_income |
| /operating_model/outputs/2026Q4:upside/metrics/payments | None | upside_2026q4_payments |
| /operating_model/outputs/2026Q4:upside/metrics/platform | None | upside_2026q4_platform |
| /operating_model/outputs/2026Q4:upside/metrics/revenue | None | upside_2026q4_revenue |
| /operating_model/outputs/2026Q4:upside/metrics/transaction_profit | None | upside_2026q4_transaction_profit |
| /operating_model/outputs/2026Q4:upside/period | None | 2026Q4 |
| /operating_model/outputs/2026Q4:upside/period_end | None | 2026-12-31 |
| /operating_model/outputs/2026Q4:upside/values/acquisition_cash | None | 0.0 |
| /operating_model/outputs/2026Q4:upside/values/adj_ebitda | None | 189.50276349999984 |
| /operating_model/outputs/2026Q4:upside/values/capex | None | 11.0 |
| /operating_model/outputs/2026Q4:upside/values/cash_after_acquisition | None | 111.50276349999984 |
| /operating_model/outputs/2026Q4:upside/values/cash_after_funding | None | 111.50276349999984 |
| /operating_model/outputs/2026Q4:upside/values/cfo | None | 168.50276349999984 |
| /operating_model/outputs/2026Q4:upside/values/net_loan_funding | None | 46.0 |
| /operating_model/outputs/2026Q4:upside/values/operating_income | None | 102.50276349999984 |
| /operating_model/outputs/2026Q4:upside/values/payments | None | 502.9 |
| /operating_model/outputs/2026Q4:upside/values/platform | None | 300.1295 |
| /operating_model/outputs/2026Q4:upside/values/revenue | None | 803.0295 |
| /operating_model/outputs/2026Q4:upside/values/transaction_profit | None | 602.3762549999999 |
| /operating_model/outputs/2027Q1:base/case | None | base |
| /operating_model/outputs/2027Q1:base/frequency | None | quarter |
| /operating_model/outputs/2027Q1:base/metrics/acquisition_cash | None | base_2027q1_acquisition_cash |
| /operating_model/outputs/2027Q1:base/metrics/adj_ebitda | None | base_2027q1_adj_ebitda |
| /operating_model/outputs/2027Q1:base/metrics/capex | None | base_2027q1_capex |
| /operating_model/outputs/2027Q1:base/metrics/cash_after_acquisition | None | base_2027q1_cash_after_acquisition |
| /operating_model/outputs/2027Q1:base/metrics/cash_after_funding | None | base_2027q1_cash_after_funding |
| /operating_model/outputs/2027Q1:base/metrics/cfo | None | base_2027q1_cfo |
| /operating_model/outputs/2027Q1:base/metrics/net_loan_funding | None | base_2027q1_net_loan_funding |
| /operating_model/outputs/2027Q1:base/metrics/operating_income | None | base_2027q1_operating_income |
| /operating_model/outputs/2027Q1:base/metrics/payments | None | base_2027q1_payments |
| /operating_model/outputs/2027Q1:base/metrics/platform | None | base_2027q1_platform |
| /operating_model/outputs/2027Q1:base/metrics/revenue | None | base_2027q1_revenue |
| /operating_model/outputs/2027Q1:base/metrics/transaction_profit | None | base_2027q1_transaction_profit |
| /operating_model/outputs/2027Q1:base/period | None | 2027Q1 |
| /operating_model/outputs/2027Q1:base/period_end | None | 2027-03-31 |
| /operating_model/outputs/2027Q1:base/values/acquisition_cash | None | 0.0 |
| /operating_model/outputs/2027Q1:base/values/adj_ebitda | None | 180.0 |
| /operating_model/outputs/2027Q1:base/values/capex | None | 12.0 |
| /operating_model/outputs/2027Q1:base/values/cash_after_acquisition | None | 95.0 |
| /operating_model/outputs/2027Q1:base/values/cash_after_funding | None | 95.0 |
| /operating_model/outputs/2027Q1:base/values/cfo | None | 152.0 |
| /operating_model/outputs/2027Q1:base/values/net_loan_funding | None | 45.0 |
| /operating_model/outputs/2027Q1:base/values/operating_income | None | 88.0 |
| /operating_model/outputs/2027Q1:base/values/payments | None | 480.00000000000006 |
| /operating_model/outputs/2027Q1:base/values/platform | None | 310.0 |
| /operating_model/outputs/2027Q1:base/values/revenue | None | 790.0 |
| /operating_model/outputs/2027Q1:base/values/transaction_profit | None | 582.5 |
| /operating_model/outputs/2027Q1:downside/case | None | downside |
| /operating_model/outputs/2027Q1:downside/frequency | None | quarter |
| /operating_model/outputs/2027Q1:downside/metrics/acquisition_cash | None | downside_2027q1_acquisition_cash |
| /operating_model/outputs/2027Q1:downside/metrics/adj_ebitda | None | downside_2027q1_adj_ebitda |
| /operating_model/outputs/2027Q1:downside/metrics/capex | None | downside_2027q1_capex |
| /operating_model/outputs/2027Q1:downside/metrics/cash_after_acquisition | None | downside_2027q1_cash_after_acquisition |
| /operating_model/outputs/2027Q1:downside/metrics/cash_after_funding | None | downside_2027q1_cash_after_funding |
| /operating_model/outputs/2027Q1:downside/metrics/cfo | None | downside_2027q1_cfo |
| /operating_model/outputs/2027Q1:downside/metrics/net_loan_funding | None | downside_2027q1_net_loan_funding |
| /operating_model/outputs/2027Q1:downside/metrics/operating_income | None | downside_2027q1_operating_income |
| /operating_model/outputs/2027Q1:downside/metrics/payments | None | downside_2027q1_payments |
| /operating_model/outputs/2027Q1:downside/metrics/platform | None | downside_2027q1_platform |
| /operating_model/outputs/2027Q1:downside/metrics/revenue | None | downside_2027q1_revenue |
| /operating_model/outputs/2027Q1:downside/metrics/transaction_profit | None | downside_2027q1_transaction_profit |
| /operating_model/outputs/2027Q1:downside/period | None | 2027Q1 |
| /operating_model/outputs/2027Q1:downside/period_end | None | 2027-03-31 |
| /operating_model/outputs/2027Q1:downside/values/acquisition_cash | None | 0.0 |
| /operating_model/outputs/2027Q1:downside/values/adj_ebitda | None | 75.86000000000001 |
| /operating_model/outputs/2027Q1:downside/values/capex | None | 12.0 |
| /operating_model/outputs/2027Q1:downside/values/cash_after_acquisition | None | -27.139999999999986 |
| /operating_model/outputs/2027Q1:downside/values/cash_after_funding | None | -27.139999999999986 |
| /operating_model/outputs/2027Q1:downside/values/cfo | None | 47.860000000000014 |
| /operating_model/outputs/2027Q1:downside/values/net_loan_funding | None | 62.99999999999999 |
| /operating_model/outputs/2027Q1:downside/values/operating_income | None | -16.139999999999986 |
| /operating_model/outputs/2027Q1:downside/values/payments | None | 446.40000000000003 |
| /operating_model/outputs/2027Q1:downside/values/platform | None | 288.3 |
| /operating_model/outputs/2027Q1:downside/values/revenue | None | 734.7 |
| /operating_model/outputs/2027Q1:downside/values/transaction_profit | None | 506.535 |
| /operating_model/outputs/2027Q1:upside/case | None | upside |
| /operating_model/outputs/2027Q1:upside/frequency | None | quarter |
| /operating_model/outputs/2027Q1:upside/metrics/acquisition_cash | None | upside_2027q1_acquisition_cash |
| /operating_model/outputs/2027Q1:upside/metrics/adj_ebitda | None | upside_2027q1_adj_ebitda |
| /operating_model/outputs/2027Q1:upside/metrics/capex | None | upside_2027q1_capex |
| /operating_model/outputs/2027Q1:upside/metrics/cash_after_acquisition | None | upside_2027q1_cash_after_acquisition |
| /operating_model/outputs/2027Q1:upside/metrics/cash_after_funding | None | upside_2027q1_cash_after_funding |
| /operating_model/outputs/2027Q1:upside/metrics/cfo | None | upside_2027q1_cfo |
| /operating_model/outputs/2027Q1:upside/metrics/net_loan_funding | None | upside_2027q1_net_loan_funding |
| /operating_model/outputs/2027Q1:upside/metrics/operating_income | None | upside_2027q1_operating_income |
| /operating_model/outputs/2027Q1:upside/metrics/payments | None | upside_2027q1_payments |
| /operating_model/outputs/2027Q1:upside/metrics/platform | None | upside_2027q1_platform |
| /operating_model/outputs/2027Q1:upside/metrics/revenue | None | upside_2027q1_revenue |
| /operating_model/outputs/2027Q1:upside/metrics/transaction_profit | None | upside_2027q1_transaction_profit |
| /operating_model/outputs/2027Q1:upside/period | None | 2027Q1 |
| /operating_model/outputs/2027Q1:upside/period_end | None | 2027-03-31 |
| /operating_model/outputs/2027Q1:upside/values/acquisition_cash | None | 590.0 |
| /operating_model/outputs/2027Q1:upside/values/adj_ebitda | None | 227.30900000000003 |
| /operating_model/outputs/2027Q1:upside/values/capex | None | 12.0 |
| /operating_model/outputs/2027Q1:upside/values/cash_after_acquisition | None | -454.441 |
| /operating_model/outputs/2027Q1:upside/values/cash_after_funding | None | 135.55900000000003 |
| /operating_model/outputs/2027Q1:upside/values/cfo | None | 199.30900000000003 |
| /operating_model/outputs/2027Q1:upside/values/net_loan_funding | None | 51.74999999999999 |
| /operating_model/outputs/2027Q1:upside/values/operating_income | None | 135.30900000000003 |
| /operating_model/outputs/2027Q1:upside/values/payments | None | 513.6 |
| /operating_model/outputs/2027Q1:upside/values/platform | None | 341.0 |
| /operating_model/outputs/2027Q1:upside/values/revenue | None | 854.6 |
| /operating_model/outputs/2027Q1:upside/values/transaction_profit | None | 641.884 |
| /operating_model/outputs/2027Q2:base/case | None | base |
| /operating_model/outputs/2027Q2:base/frequency | None | quarter |
| /operating_model/outputs/2027Q2:base/metrics/acquisition_cash | None | base_2027q2_acquisition_cash |
| /operating_model/outputs/2027Q2:base/metrics/adj_ebitda | None | base_2027q2_adj_ebitda |
| /operating_model/outputs/2027Q2:base/metrics/capex | None | base_2027q2_capex |
| /operating_model/outputs/2027Q2:base/metrics/cash_after_acquisition | None | base_2027q2_cash_after_acquisition |
| /operating_model/outputs/2027Q2:base/metrics/cash_after_funding | None | base_2027q2_cash_after_funding |
| /operating_model/outputs/2027Q2:base/metrics/cfo | None | base_2027q2_cfo |
| /operating_model/outputs/2027Q2:base/metrics/net_loan_funding | None | base_2027q2_net_loan_funding |
| /operating_model/outputs/2027Q2:base/metrics/operating_income | None | base_2027q2_operating_income |
| /operating_model/outputs/2027Q2:base/metrics/payments | None | base_2027q2_payments |
| /operating_model/outputs/2027Q2:base/metrics/platform | None | base_2027q2_platform |
| /operating_model/outputs/2027Q2:base/metrics/revenue | None | base_2027q2_revenue |
| /operating_model/outputs/2027Q2:base/metrics/transaction_profit | None | base_2027q2_transaction_profit |
| /operating_model/outputs/2027Q2:base/period | None | 2027Q2 |
| /operating_model/outputs/2027Q2:base/period_end | None | 2027-06-30 |
| /operating_model/outputs/2027Q2:base/values/acquisition_cash | None | 590.0 |
| /operating_model/outputs/2027Q2:base/values/adj_ebitda | None | 185.0 |
| /operating_model/outputs/2027Q2:base/values/capex | None | 13.0 |
| /operating_model/outputs/2027Q2:base/values/cash_after_acquisition | None | -506.0 |
| /operating_model/outputs/2027Q2:base/values/cash_after_funding | None | 84.0 |
| /operating_model/outputs/2027Q2:base/values/cfo | None | 147.0 |
| /operating_model/outputs/2027Q2:base/values/net_loan_funding | None | 50.0 |
| /operating_model/outputs/2027Q2:base/values/operating_income | None | 88.0 |
| /operating_model/outputs/2027Q2:base/values/payments | None | 500.0 |
| /operating_model/outputs/2027Q2:base/values/platform | None | 325.0 |
| /operating_model/outputs/2027Q2:base/values/revenue | None | 825.0 |
| /operating_model/outputs/2027Q2:base/values/transaction_profit | None | 607.05 |
| /operating_model/outputs/2027Q2:downside/case | None | downside |
| /operating_model/outputs/2027Q2:downside/frequency | None | quarter |
| /operating_model/outputs/2027Q2:downside/metrics/acquisition_cash | None | downside_2027q2_acquisition_cash |
| /operating_model/outputs/2027Q2:downside/metrics/adj_ebitda | None | downside_2027q2_adj_ebitda |
| /operating_model/outputs/2027Q2:downside/metrics/capex | None | downside_2027q2_capex |
| /operating_model/outputs/2027Q2:downside/metrics/cash_after_acquisition | None | downside_2027q2_cash_after_acquisition |
| /operating_model/outputs/2027Q2:downside/metrics/cash_after_funding | None | downside_2027q2_cash_after_funding |
| /operating_model/outputs/2027Q2:downside/metrics/cfo | None | downside_2027q2_cfo |
| /operating_model/outputs/2027Q2:downside/metrics/net_loan_funding | None | downside_2027q2_net_loan_funding |
| /operating_model/outputs/2027Q2:downside/metrics/operating_income | None | downside_2027q2_operating_income |
| /operating_model/outputs/2027Q2:downside/metrics/payments | None | downside_2027q2_payments |
| /operating_model/outputs/2027Q2:downside/metrics/platform | None | downside_2027q2_platform |
| /operating_model/outputs/2027Q2:downside/metrics/revenue | None | downside_2027q2_revenue |
| /operating_model/outputs/2027Q2:downside/metrics/transaction_profit | None | downside_2027q2_transaction_profit |
| /operating_model/outputs/2027Q2:downside/period | None | 2027Q2 |
| /operating_model/outputs/2027Q2:downside/period_end | None | 2027-06-30 |
| /operating_model/outputs/2027Q2:downside/values/acquisition_cash | None | 0.0 |
| /operating_model/outputs/2027Q2:downside/values/adj_ebitda | None | 75.49299999999988 |
| /operating_model/outputs/2027Q2:downside/values/capex | None | 13.0 |
| /operating_model/outputs/2027Q2:downside/values/cash_after_acquisition | None | -45.50700000000012 |
| /operating_model/outputs/2027Q2:downside/values/cash_after_funding | None | -45.50700000000012 |
| /operating_model/outputs/2027Q2:downside/values/cfo | None | 37.49299999999988 |
| /operating_model/outputs/2027Q2:downside/values/net_loan_funding | None | 70.0 |
| /operating_model/outputs/2027Q2:downside/values/operating_income | None | -21.50700000000012 |
| /operating_model/outputs/2027Q2:downside/values/payments | None | 465.0 |
| /operating_model/outputs/2027Q2:downside/values/platform | None | 302.25000000000006 |
| /operating_model/outputs/2027Q2:downside/values/revenue | None | 767.25 |
| /operating_model/outputs/2027Q2:downside/values/transaction_profit | None | 527.0864999999999 |
| /operating_model/outputs/2027Q2:upside/case | None | upside |
| /operating_model/outputs/2027Q2:upside/frequency | None | quarter |
| /operating_model/outputs/2027Q2:upside/metrics/acquisition_cash | None | upside_2027q2_acquisition_cash |
| /operating_model/outputs/2027Q2:upside/metrics/adj_ebitda | None | upside_2027q2_adj_ebitda |
| /operating_model/outputs/2027Q2:upside/metrics/capex | None | upside_2027q2_capex |
| /operating_model/outputs/2027Q2:upside/metrics/cash_after_acquisition | None | upside_2027q2_cash_after_acquisition |
| /operating_model/outputs/2027Q2:upside/metrics/cash_after_funding | None | upside_2027q2_cash_after_funding |
| /operating_model/outputs/2027Q2:upside/metrics/cfo | None | upside_2027q2_cfo |
| /operating_model/outputs/2027Q2:upside/metrics/net_loan_funding | None | upside_2027q2_net_loan_funding |
| /operating_model/outputs/2027Q2:upside/metrics/operating_income | None | upside_2027q2_operating_income |
| /operating_model/outputs/2027Q2:upside/metrics/payments | None | upside_2027q2_payments |
| /operating_model/outputs/2027Q2:upside/metrics/platform | None | upside_2027q2_platform |
| /operating_model/outputs/2027Q2:upside/metrics/revenue | None | upside_2027q2_revenue |
| /operating_model/outputs/2027Q2:upside/metrics/transaction_profit | None | upside_2027q2_transaction_profit |
| /operating_model/outputs/2027Q2:upside/period | None | 2027Q2 |
| /operating_model/outputs/2027Q2:upside/period_end | None | 2027-06-30 |
| /operating_model/outputs/2027Q2:upside/values/acquisition_cash | None | 0.0 |
| /operating_model/outputs/2027Q2:upside/values/adj_ebitda | None | 234.51350000000008 |
| /operating_model/outputs/2027Q2:upside/values/capex | None | 13.0 |
| /operating_model/outputs/2027Q2:upside/values/cash_after_acquisition | None | 126.01350000000008 |
| /operating_model/outputs/2027Q2:upside/values/cash_after_funding | None | 126.01350000000008 |
| /operating_model/outputs/2027Q2:upside/values/cfo | None | 196.51350000000008 |
| /operating_model/outputs/2027Q2:upside/values/net_loan_funding | None | 57.49999999999999 |
| /operating_model/outputs/2027Q2:upside/values/operating_income | None | 137.51350000000008 |
| /operating_model/outputs/2027Q2:upside/values/payments | None | 535.0 |
| /operating_model/outputs/2027Q2:upside/values/platform | None | 357.5 |
| /operating_model/outputs/2027Q2:upside/values/revenue | None | 892.5 |
| /operating_model/outputs/2027Q2:upside/values/transaction_profit | None | 669.225 |
| /operating_model/outputs/FY2026:base/case | None | base |
| /operating_model/outputs/FY2026:base/frequency | None | year |
| /operating_model/outputs/FY2026:base/metrics/acquisition_cash | None | base_fy2026_acquisition_cash |
| /operating_model/outputs/FY2026:base/metrics/adj_ebitda | None | base_fy2026_adj_ebitda |
| /operating_model/outputs/FY2026:base/metrics/capex | None | base_fy2026_capex |
| /operating_model/outputs/FY2026:base/metrics/cash_after_acquisition | None | base_fy2026_cash_after_acquisition |
| /operating_model/outputs/FY2026:base/metrics/cash_after_funding | None | base_fy2026_cash_after_funding |
| /operating_model/outputs/FY2026:base/metrics/cfo | None | base_fy2026_cfo |
| /operating_model/outputs/FY2026:base/metrics/net_loan_funding | None | base_fy2026_net_loan_funding |
| /operating_model/outputs/FY2026:base/metrics/operating_income | None | base_fy2026_operating_income |
| /operating_model/outputs/FY2026:base/metrics/payments | None | base_fy2026_payments |
| /operating_model/outputs/FY2026:base/metrics/platform | None | base_fy2026_platform |
| /operating_model/outputs/FY2026:base/metrics/revenue | None | base_fy2026_revenue |
| /operating_model/outputs/FY2026:base/metrics/transaction_profit | None | base_fy2026_transaction_profit |
| /operating_model/outputs/FY2026:base/period | None | FY2026 |
| /operating_model/outputs/FY2026:base/period_end | None | 2026-12-31 |
| /operating_model/outputs/FY2026:base/values/acquisition_cash | None | 0.0 |
| /operating_model/outputs/FY2026:base/values/adj_ebitda | None | 485.0 |
| /operating_model/outputs/FY2026:base/values/capex | None | 38.391999999999996 |
| /operating_model/outputs/FY2026:base/values/cash_after_acquisition | None | 357.45 |
| /operating_model/outputs/FY2026:base/values/cash_after_funding | None | 357.45 |
| /operating_model/outputs/FY2026:base/values/cfo | None | 524.74 |
| /operating_model/outputs/FY2026:base/values/net_loan_funding | None | 128.898 |
| /operating_model/outputs/FY2026:base/values/operating_income | None | 163.269 |
| /operating_model/outputs/FY2026:base/values/payments | None | 1782.673 |
| /operating_model/outputs/FY2026:base/values/platform | None | 982.327 |
| /operating_model/outputs/FY2026:base/values/revenue | None | 2765.0 |
| /operating_model/outputs/FY2026:base/values/transaction_profit | None | 2048.3760500000003 |
| /operating_model/outputs/FY2026:downside/case | None | downside |
| /operating_model/outputs/FY2026:downside/frequency | None | year |
| /operating_model/outputs/FY2026:downside/metrics/acquisition_cash | None | downside_fy2026_acquisition_cash |
| /operating_model/outputs/FY2026:downside/metrics/adj_ebitda | None | downside_fy2026_adj_ebitda |
| /operating_model/outputs/FY2026:downside/metrics/capex | None | downside_fy2026_capex |
| /operating_model/outputs/FY2026:downside/metrics/cash_after_acquisition | None | downside_fy2026_cash_after_acquisition |
| /operating_model/outputs/FY2026:downside/metrics/cash_after_funding | None | downside_fy2026_cash_after_funding |
| /operating_model/outputs/FY2026:downside/metrics/cfo | None | downside_fy2026_cfo |
| /operating_model/outputs/FY2026:downside/metrics/net_loan_funding | None | downside_fy2026_net_loan_funding |
| /operating_model/outputs/FY2026:downside/metrics/operating_income | None | downside_fy2026_operating_income |
| /operating_model/outputs/FY2026:downside/metrics/payments | None | downside_fy2026_payments |
| /operating_model/outputs/FY2026:downside/metrics/platform | None | downside_fy2026_platform |
| /operating_model/outputs/FY2026:downside/metrics/revenue | None | downside_fy2026_revenue |
| /operating_model/outputs/FY2026:downside/metrics/transaction_profit | None | downside_fy2026_transaction_profit |
| /operating_model/outputs/FY2026:downside/period | None | FY2026 |
| /operating_model/outputs/FY2026:downside/period_end | None | 2026-12-31 |
| /operating_model/outputs/FY2026:downside/values/acquisition_cash | None | 0.0 |
| /operating_model/outputs/FY2026:downside/values/adj_ebitda | None | 289.9113930000001 |
| /operating_model/outputs/FY2026:downside/values/capex | None | 38.391999999999996 |
| /operating_model/outputs/FY2026:downside/values/cash_after_acquisition | None | 132.36139300000008 |
| /operating_model/outputs/FY2026:downside/values/cash_after_funding | None | 132.36139300000008 |
| /operating_model/outputs/FY2026:downside/values/cfo | None | 329.6513930000001 |
| /operating_model/outputs/FY2026:downside/values/net_loan_funding | None | 158.898 |
| /operating_model/outputs/FY2026:downside/values/operating_income | None | -31.81960699999992 |
| /operating_model/outputs/FY2026:downside/values/payments | None | 1718.273 |
| /operating_model/outputs/FY2026:downside/values/platform | None | 945.3778500000001 |
| /operating_model/outputs/FY2026:downside/values/revenue | None | 2663.65085 |
| /operating_model/outputs/FY2026:downside/values/transaction_profit | None | 1909.3293065 |
| /operating_model/outputs/FY2026:upside/case | None | upside |
| /operating_model/outputs/FY2026:upside/frequency | None | year |
| /operating_model/outputs/FY2026:upside/metrics/acquisition_cash | None | upside_fy2026_acquisition_cash |
| /operating_model/outputs/FY2026:upside/metrics/adj_ebitda | None | upside_fy2026_adj_ebitda |
| /operating_model/outputs/FY2026:upside/metrics/capex | None | upside_fy2026_capex |
| /operating_model/outputs/FY2026:upside/metrics/cash_after_acquisition | None | upside_fy2026_cash_after_acquisition |
| /operating_model/outputs/FY2026:upside/metrics/cash_after_funding | None | upside_fy2026_cash_after_funding |
| /operating_model/outputs/FY2026:upside/metrics/cfo | None | upside_fy2026_cfo |
| /operating_model/outputs/FY2026:upside/metrics/net_loan_funding | None | upside_fy2026_net_loan_funding |
| /operating_model/outputs/FY2026:upside/metrics/operating_income | None | upside_fy2026_operating_income |
| /operating_model/outputs/FY2026:upside/metrics/payments | None | upside_fy2026_payments |
| /operating_model/outputs/FY2026:upside/metrics/platform | None | upside_fy2026_platform |
| /operating_model/outputs/FY2026:upside/metrics/revenue | None | upside_fy2026_revenue |
| /operating_model/outputs/FY2026:upside/metrics/transaction_profit | None | upside_fy2026_transaction_profit |
| /operating_model/outputs/FY2026:upside/period | None | FY2026 |
| /operating_model/outputs/FY2026:upside/period_end | None | 2026-12-31 |
| /operating_model/outputs/FY2026:upside/values/acquisition_cash | None | 0.0 |
| /operating_model/outputs/FY2026:upside/values/adj_ebitda | None | 568.5762634999999 |
| /operating_model/outputs/FY2026:upside/values/capex | None | 38.391999999999996 |
| /operating_model/outputs/FY2026:upside/values/cash_after_acquisition | None | 429.77626349999986 |
| /operating_model/outputs/FY2026:upside/values/cash_after_funding | None | 429.77626349999986 |
| /operating_model/outputs/FY2026:upside/values/cfo | None | 608.3162634999999 |
| /operating_model/outputs/FY2026:upside/values/net_loan_funding | None | 140.148 |
| /operating_model/outputs/FY2026:upside/values/operating_income | None | 246.84526349999987 |
| /operating_model/outputs/FY2026:upside/values/payments | None | 1847.0729999999999 |
| /operating_model/outputs/FY2026:upside/values/platform | None | 1035.1115 |
| /operating_model/outputs/FY2026:upside/values/revenue | None | 2882.1845 |
| /operating_model/outputs/FY2026:upside/values/transaction_profit | None | 2155.970255 |
| /operating_model/outputs/FY2027:base/case | None | base |
| /operating_model/outputs/FY2027:base/frequency | None | year |
| /operating_model/outputs/FY2027:base/metrics/acquisition_cash | None | base_fy2027_acquisition_cash |
| /operating_model/outputs/FY2027:base/metrics/adj_ebitda | None | base_fy2027_adj_ebitda |
| /operating_model/outputs/FY2027:base/metrics/capex | None | base_fy2027_capex |
| /operating_model/outputs/FY2027:base/metrics/cash_after_acquisition | None | base_fy2027_cash_after_acquisition |
| /operating_model/outputs/FY2027:base/metrics/cash_after_funding | None | base_fy2027_cash_after_funding |
| /operating_model/outputs/FY2027:base/metrics/cfo | None | base_fy2027_cfo |
| /operating_model/outputs/FY2027:base/metrics/net_loan_funding | None | base_fy2027_net_loan_funding |
| /operating_model/outputs/FY2027:base/metrics/operating_income | None | base_fy2027_operating_income |
| /operating_model/outputs/FY2027:base/metrics/payments | None | base_fy2027_payments |
| /operating_model/outputs/FY2027:base/metrics/platform | None | base_fy2027_platform |
| /operating_model/outputs/FY2027:base/metrics/revenue | None | base_fy2027_revenue |
| /operating_model/outputs/FY2027:base/metrics/transaction_profit | None | base_fy2027_transaction_profit |
| /operating_model/outputs/FY2027:base/period | None | FY2027 |
| /operating_model/outputs/FY2027:base/period_end | None | 2027-12-31 |
| /operating_model/outputs/FY2027:base/values/acquisition_cash | None | 590.0 |
| /operating_model/outputs/FY2027:base/values/adj_ebitda | None | 810.0 |
| /operating_model/outputs/FY2027:base/values/capex | None | 54.0 |
| /operating_model/outputs/FY2027:base/values/cash_after_acquisition | None | -207.0 |
| /operating_model/outputs/FY2027:base/values/cash_after_funding | None | 383.0 |
| /operating_model/outputs/FY2027:base/values/cfo | None | 647.0 |
| /operating_model/outputs/FY2027:base/values/net_loan_funding | None | 210.0 |
| /operating_model/outputs/FY2027:base/values/operating_income | None | 412.0 |
| /operating_model/outputs/FY2027:base/values/payments | None | 2065.0 |
| /operating_model/outputs/FY2027:base/values/platform | None | 1360.0 |
| /operating_model/outputs/FY2027:base/values/revenue | None | 3425.0 |
| /operating_model/outputs/FY2027:base/values/transaction_profit | None | 2526.25 |
| /operating_model/outputs/FY2027:downside/case | None | downside |
| /operating_model/outputs/FY2027:downside/frequency | None | year |
| /operating_model/outputs/FY2027:downside/metrics/acquisition_cash | None | downside_fy2027_acquisition_cash |
| /operating_model/outputs/FY2027:downside/metrics/adj_ebitda | None | downside_fy2027_adj_ebitda |
| /operating_model/outputs/FY2027:downside/metrics/capex | None | downside_fy2027_capex |
| /operating_model/outputs/FY2027:downside/metrics/cash_after_acquisition | None | downside_fy2027_cash_after_acquisition |
| /operating_model/outputs/FY2027:downside/metrics/cash_after_funding | None | downside_fy2027_cash_after_funding |
| /operating_model/outputs/FY2027:downside/metrics/cfo | None | downside_fy2027_cfo |
| /operating_model/outputs/FY2027:downside/metrics/net_loan_funding | None | downside_fy2027_net_loan_funding |
| /operating_model/outputs/FY2027:downside/metrics/operating_income | None | downside_fy2027_operating_income |
| /operating_model/outputs/FY2027:downside/metrics/payments | None | downside_fy2027_payments |
| /operating_model/outputs/FY2027:downside/metrics/platform | None | downside_fy2027_platform |
| /operating_model/outputs/FY2027:downside/metrics/revenue | None | downside_fy2027_revenue |
| /operating_model/outputs/FY2027:downside/metrics/transaction_profit | None | downside_fy2027_transaction_profit |
| /operating_model/outputs/FY2027:downside/period | None | FY2027 |
| /operating_model/outputs/FY2027:downside/period_end | None | 2027-12-31 |
| /operating_model/outputs/FY2027:downside/values/acquisition_cash | None | 590.0 |
| /operating_model/outputs/FY2027:downside/values/adj_ebitda | None | 358.58499999999964 |
| /operating_model/outputs/FY2027:downside/values/capex | None | 54.0 |
| /operating_model/outputs/FY2027:downside/values/cash_after_acquisition | None | -742.4150000000004 |
| /operating_model/outputs/FY2027:downside/values/cash_after_funding | None | -152.41500000000036 |
| /operating_model/outputs/FY2027:downside/values/cfo | None | 195.58499999999964 |
| /operating_model/outputs/FY2027:downside/values/net_loan_funding | None | 294.0 |
| /operating_model/outputs/FY2027:downside/values/operating_income | None | -39.41500000000036 |
| /operating_model/outputs/FY2027:downside/values/payments | None | 1920.4500000000003 |
| /operating_model/outputs/FY2027:downside/values/platform | None | 1264.8 |
| /operating_model/outputs/FY2027:downside/values/revenue | None | 3185.25 |
| /operating_model/outputs/FY2027:downside/values/transaction_profit | None | 2194.9725 |
| /operating_model/outputs/FY2027:upside/case | None | upside |
| /operating_model/outputs/FY2027:upside/frequency | None | year |
| /operating_model/outputs/FY2027:upside/metrics/acquisition_cash | None | upside_fy2027_acquisition_cash |
| /operating_model/outputs/FY2027:upside/metrics/adj_ebitda | None | upside_fy2027_adj_ebitda |
| /operating_model/outputs/FY2027:upside/metrics/capex | None | upside_fy2027_capex |
| /operating_model/outputs/FY2027:upside/metrics/cash_after_acquisition | None | upside_fy2027_cash_after_acquisition |
| /operating_model/outputs/FY2027:upside/metrics/cash_after_funding | None | upside_fy2027_cash_after_funding |
| /operating_model/outputs/FY2027:upside/metrics/cfo | None | upside_fy2027_cfo |
| /operating_model/outputs/FY2027:upside/metrics/net_loan_funding | None | upside_fy2027_net_loan_funding |
| /operating_model/outputs/FY2027:upside/metrics/operating_income | None | upside_fy2027_operating_income |
| /operating_model/outputs/FY2027:upside/metrics/payments | None | upside_fy2027_payments |
| /operating_model/outputs/FY2027:upside/metrics/platform | None | upside_fy2027_platform |
| /operating_model/outputs/FY2027:upside/metrics/revenue | None | upside_fy2027_revenue |
| /operating_model/outputs/FY2027:upside/metrics/transaction_profit | None | upside_fy2027_transaction_profit |
| /operating_model/outputs/FY2027:upside/period | None | FY2027 |
| /operating_model/outputs/FY2027:upside/period_end | None | 2027-12-31 |
| /operating_model/outputs/FY2027:upside/values/acquisition_cash | None | 590.0 |
| /operating_model/outputs/FY2027:upside/values/adj_ebitda | None | 1017.0219999999999 |
| /operating_model/outputs/FY2027:upside/values/capex | None | 54.0 |
| /operating_model/outputs/FY2027:upside/values/cash_after_acquisition | None | -31.47800000000001 |
| /operating_model/outputs/FY2027:upside/values/cash_after_funding | None | 558.5219999999999 |
| /operating_model/outputs/FY2027:upside/values/cfo | None | 854.0219999999999 |
| /operating_model/outputs/FY2027:upside/values/net_loan_funding | None | 241.49999999999997 |
| /operating_model/outputs/FY2027:upside/values/operating_income | None | 619.0219999999999 |
| /operating_model/outputs/FY2027:upside/values/payments | None | 2209.5499999999997 |
| /operating_model/outputs/FY2027:upside/values/platform | None | 1496.0 |
| /operating_model/outputs/FY2027:upside/values/revenue | None | 3705.55 |
| /operating_model/outputs/FY2027:upside/values/transaction_profit | None | 2784.7595 |
| /operating_model/reviewed_at | None | 2026-09-20 |
| /operating_model/schema_version | None | operating_model.v1 |
| /operating_model/title | None | Member payments, lending losses and the proposed bank purchase |
| /research/change_note | None | Includes September Stride agreement and raised guidance; adds loan-investment and conditional cash-price bridge. |
| /research/checkpoints/0/date_status | None | estimated |
| /research/checkpoints/0/event | None | Q3 revised guidance |
| /research/checkpoints/0/timing | None | Next results; date unconfirmed |
| /research/checkpoints/0/watch | None | Use September $705M revenue/$117-120M EBITDA outlook, not superseded August ranges. |
| /research/checkpoints/1/date_status | None | estimated |
| /research/checkpoints/1/event | None | Stride approval and closing |
| /research/checkpoints/1/timing | None | H1 2027 company expectation |
| /research/checkpoints/1/watch | None | Confirm regulatory approvals, final consideration and required capital before consolidating the bank. |
| /research/checkpoints/2/date_status | None | estimated |
| /research/checkpoints/2/event | None | Lending cash and loss performance |
| /research/checkpoints/2/timing | None | Each quarterly filing |
| /research/checkpoints/2/watch | None | Track origination versus revenue, credit/dispute losses, net loan purchases and collateral. |
| /research/countercase | None | Faster credit growth may increase loss and funding needs before member economics mature. Regulatory delay or additional bank capital requirements could reduce acquisition benefits and cash flexibility. |
| /research/economics | None | Q2 revenue was $669.8M, including $430.0M payments and $239.7M platform revenue. Transaction profit was $491.6M and adjusted EBITDA $101.6M. Active Members reached 10.4M; purchase volume was $38B and MyPay originations $4.5B with a 0.9% loss rate. H1 CFO $295.0M falls to $223.7M after $53.9M net loan purchases and $17.4M PP&E/software cash, before $222.1M buybacks. September 8 superseding guidance raises Q3 revenue to $705M and FY2026 revenue/EBITDA to $2.76-2.77B/$481-489M. The proposed $590M cash purchase of Stride targets H1 2027 closing; expected net synergies above $100M are not current profit. |
| /research/limitations/0 | None | September 8 revenue and adjusted EBITDA guidance supersedes August earnings guidance. Base Q3 revenue $705M, EBITDA $118.5M and FY2026 revenue $2.765B/EBITDA $485M are calibrated to that update. |
| /research/limitations/1 | None | Platform revenue and risk-loss decomposition are desk assumptions. Reported ARPAM is annualized and cannot be multiplied by closing members as if all were present for the whole quarter. |
| /research/limitations/2 | None | MyPay origination volume is not revenue or owned loan assets. The model separately estimates expected losses; historical noncash product-obligation fair-value adjustments are not treated as recurring new cash earnings. |
| /research/limitations/3 | None | CFO excludes loan purchases net of repayments classified in investing. Cash after funding also deducts that loan investment and both purchased and internally developed software. |
| /research/limitations/4 | None | Chime remains a fintech using bank partners pending closing. Member deposits at partners and restricted cash are not Chime corporate cash. Stride would require a bank-specific balance-sheet and capital model after completion. |
| /research/limitations/5 | None | The $590M Stride acquisition is conditional on regulatory approvals, with H1 2027 expected closing. Quarter placement is a timing sensitivity. No acquired revenue, deposits or $100M-plus expected net synergies are booked as already earned. |
| /research/limitations/6 | None | Cash after acquisition excludes discretionary repurchases, principal repayments and new warehouse financing. It is not a forecast parent cash balance or distributable cash. |
| /research/limitations/7 | None | No EPS forecast: SBC, buybacks, treasury shares, acquisition accounting and bank capital need a complete ownership bridge. |
| /research/question | None | Can Chime grow member profitability while funding lending and the proposed Stride acquisition? |
| /research/reviewed_at | None | 2026-09-20 |
| /research/risks/0 | None | Credit, fraud and transaction dispute losses. |
| /research/risks/1 | None | Member acquisition cost and payment yield. |
| /research/risks/2 | None | Bank-partner concentration and network rules. |
| /research/risks/3 | None | Stride regulatory approval, integration and bank capital. |
| /research/risks/4 | None | SBC and buybacks obscure the per-share cash bridge. |
| /research/title | None | Member economics and cash before becoming a bank owner |
| /sources/0/retrieved | None | 2026-09-20 |
| /sources/0/title | None | H1 cash, revenue, transaction losses and loan investment |
| /sources/0/url | None | https://www.sec.gov/Archives/edgar/data/1795586/000179558626000048/chym-20260630.htm |
| /sources/1/retrieved | None | 2026-09-20 |
| /sources/1/title | None | Q2 member/payment metrics and reconciliations |
| /sources/1/url | None | https://www.sec.gov/Archives/edgar/data/1795586/000179558626000046/ex991q226.htm |
| /sources/2/retrieved | None | 2026-09-20 |
| /sources/2/title | None | September 8 Stride acquisition and superseding guidance |
| /sources/2/url | None | https://www.sec.gov/Archives/edgar/data/1795586/000119312526385383/d948605dex991.htm |
| /thesis/scenario_ranges | None | Explicit downside/base/upside business assumptions; not price targets, probabilities or historical market-memory bands. |
| /thesis/view | Growing member activity and platform adoption are improving earnings, but lending losses, funding and the proposed bank purchase determine the cash retained for shareholders. | |
| /thesis/what_changes_it | Track member/payment activity, MyPay and Instant Loan losses, loan investment and the regulatory closing path. |