What changed: r4 to r5
Added product credit scenarios and cash loan-funding bridge; incorporated September bank-application withdrawal and funding updates.
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 | BUSINESS Overview We are a leading technology and analytics company focused on providing online financial services. In 2025, we extended approximately $7.8 billion in credit or financing to borrowers. As of December 31, 2025, we offered or arranged loans or draws on lines of credit to consumers in 37 states in the United States and Brazil. We also offered or arranged financing to small businesses in 49 states and Washington D.C. in the United States. We use our proprietary technology, analytics and customer service capabilities to quickly evaluate, underwrite and fund loans or provide financing, allowing us to offer consumers and small businesses credit or financing when and how they want it. Our customers include the large and growing number of consumers and small businesses that have bank accounts but use alternative financial services because of their limited access to more traditional credit from banks, credit card companies and other. | Enova originates consumer and small-business credit. It earns interest and fees, absorbs credit and fair-value changes, and finances loan assets with securitizations, facilities and corporate debt. Loan growth requires cash principal funding beyond ordinary software and fixed-asset investment. |
| /business/drivers/0 | We use our proprietary technology, analytics and customer service capabilities to quickly evaluate, underwrite and fund loans or provide financing, allowing. | Consumer and small-business earning assets and revenue yields |
| /business/drivers/1 | Our customers include the large and growing number of consumers and small businesses that have bank accounts but use alternative financial services because of. | Credit/fair-value expense, acquisition costs and debt funding rates |
| /business/drivers/2 | We were an early entrant into online lending, launching our online business in 2004, and through December 31, 2025, we have completed approximately 69.3. | Cash loan investment, covenants and repurchases |
| /estimates/basis | not yet estimated | Desk base scenario from the operating model; not consensus. Revenue basis: Total revenue ($M). |
| /estimates/rows/2026Q3/as_of | None | 2026-09-19 |
| /estimates/rows/2026Q3/basis | None | Desk base scenario. Revenue basis: Total revenue ($M). Calculated from the operating-model inputs below; not consensus or company guidance. |
| /estimates/rows/2026Q3/class | None | estimate |
| /estimates/rows/2026Q3/period | None | 2026Q3 |
| /estimates/rows/2026Q3/revenue | None | 1003347499.9999999 |
| /estimates/rows/2026Q4/as_of | None | 2026-09-19 |
| /estimates/rows/2026Q4/basis | None | Desk base scenario. Revenue basis: Total revenue ($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 | 1053358425.0000008 |
| /estimates/rows/2027Q1/as_of | None | 2026-09-19 |
| /estimates/rows/2027Q1/basis | None | Desk base scenario. Revenue basis: Total revenue ($M). Calculated from the operating-model inputs below; not consensus or company guidance. |
| /estimates/rows/2027Q1/class | None | estimate |
| /estimates/rows/2027Q1/period | None | 2027Q1 |
| /estimates/rows/2027Q1/revenue | None | 1090000000.0 |
| /estimates/rows/2027Q2/as_of | None | 2026-09-19 |
| /estimates/rows/2027Q2/basis | None | Desk base scenario. Revenue basis: Total revenue ($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 | 1145000000.0 |
| /meta/business_authored | False | True |
| /meta/extract_accession | 0001193125-26-060461 | None |
| /meta/extract_filed | 2026-02-20 | None |
| /meta/extract_form | 10-K | None |
| /meta/extract_source | filing | authored |
| /meta/extract_url | https://www.sec.gov/Archives/edgar/data/1529864/000119312526060461/enva-20251231.htm | None |
| /meta/research_reviewed_at | None | 2026-09-19 |
| /meta/research_stage | None | operating_scenarios |
| /meta/revision | 4 | 5 |
| /meta/skeleton | True | False |
| /operating_model/cells/base_2026q3_annual_interest_rate:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q3_annual_interest_rate:base/case | None | base |
| /operating_model/cells/base_2026q3_annual_interest_rate:base/id | None | base_2026q3_annual_interest_rate |
| /operating_model/cells/base_2026q3_annual_interest_rate:base/kind | None | assumption |
| /operating_model/cells/base_2026q3_annual_interest_rate:base/label | None | Net annual debt cost including fees |
| /operating_model/cells/base_2026q3_annual_interest_rate:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_annual_interest_rate:base/unit | None | ratio |
| /operating_model/cells/base_2026q3_annual_interest_rate:base/value | None | 0.078 |
| /operating_model/cells/base_2026q3_average_debt:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q3_average_debt:base/case | None | base |
| /operating_model/cells/base_2026q3_average_debt:base/id | None | base_2026q3_average_debt |
| /operating_model/cells/base_2026q3_average_debt:base/kind | None | assumption |
| /operating_model/cells/base_2026q3_average_debt:base/label | None | Average funded debt |
| /operating_model/cells/base_2026q3_average_debt:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_average_debt:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_average_debt:base/value | None | 5300.0 |
| /operating_model/cells/base_2026q3_business_activity:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q3_business_activity:base/case | None | base |
| /operating_model/cells/base_2026q3_business_activity:base/id | None | base_2026q3_business_activity |
| /operating_model/cells/base_2026q3_business_activity:base/kind | None | assumption |
| /operating_model/cells/base_2026q3_business_activity:base/label | None | Business average earning activity / Q2 |
| /operating_model/cells/base_2026q3_business_activity:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_business_activity:base/unit | None | ratio |
| /operating_model/cells/base_2026q3_business_activity:base/value | None | 1.0707480592801693 |
| /operating_model/cells/base_2026q3_business_credit_cost:base/basis | None | Credit and valuation sensitivity, not a cohort charge-off forecast. |
| /operating_model/cells/base_2026q3_business_credit_cost:base/case | None | base |
| /operating_model/cells/base_2026q3_business_credit_cost:base/formula/op | None | multiply |
| /operating_model/cells/base_2026q3_business_credit_cost:base/formula/refs/0 | None | base_2026q3_business_revenue |
| /operating_model/cells/base_2026q3_business_credit_cost:base/formula/refs/1 | None | base_2026q3_business_credit_ratio |
| /operating_model/cells/base_2026q3_business_credit_cost:base/id | None | base_2026q3_business_credit_cost |
| /operating_model/cells/base_2026q3_business_credit_cost:base/kind | None | derived |
| /operating_model/cells/base_2026q3_business_credit_cost:base/label | None | Business fair-value expense |
| /operating_model/cells/base_2026q3_business_credit_cost:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_business_credit_cost:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_business_credit_cost:base/value | None | 171.67683749999998 |
| /operating_model/cells/base_2026q3_business_credit_ratio:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q3_business_credit_ratio:base/case | None | base |
| /operating_model/cells/base_2026q3_business_credit_ratio:base/id | None | base_2026q3_business_credit_ratio |
| /operating_model/cells/base_2026q3_business_credit_ratio:base/kind | None | assumption |
| /operating_model/cells/base_2026q3_business_credit_ratio:base/label | None | Business fair-value expense / revenue |
| /operating_model/cells/base_2026q3_business_credit_ratio:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_business_credit_ratio:base/unit | None | ratio |
| /operating_model/cells/base_2026q3_business_credit_ratio:base/value | None | 0.365 |
| /operating_model/cells/base_2026q3_business_revenue:base/basis | None | Activity calibration and revenue yield can vary independently; includes interest and contractual fees. |
| /operating_model/cells/base_2026q3_business_revenue:base/case | None | base |
| /operating_model/cells/base_2026q3_business_revenue:base/formula/op | None | multiply |
| /operating_model/cells/base_2026q3_business_revenue:base/formula/refs/0 | None | q2_business |
| /operating_model/cells/base_2026q3_business_revenue:base/formula/refs/1 | None | base_2026q3_business_activity |
| /operating_model/cells/base_2026q3_business_revenue:base/formula/refs/2 | None | base_2026q3_business_yield |
| /operating_model/cells/base_2026q3_business_revenue:base/id | None | base_2026q3_business_revenue |
| /operating_model/cells/base_2026q3_business_revenue:base/kind | None | derived |
| /operating_model/cells/base_2026q3_business_revenue:base/label | None | Business lending revenue |
| /operating_model/cells/base_2026q3_business_revenue:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_business_revenue:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_business_revenue:base/value | None | 470.3474999999999 |
| /operating_model/cells/base_2026q3_business_yield:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q3_business_yield:base/case | None | base |
| /operating_model/cells/base_2026q3_business_yield:base/id | None | base_2026q3_business_yield |
| /operating_model/cells/base_2026q3_business_yield:base/kind | None | assumption |
| /operating_model/cells/base_2026q3_business_yield:base/label | None | Business revenue yield versus Q2 |
| /operating_model/cells/base_2026q3_business_yield:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_business_yield:base/unit | None | ratio |
| /operating_model/cells/base_2026q3_business_yield:base/value | None | 1.0 |
| /operating_model/cells/base_2026q3_buybacks:base/basis | None | Desk capital allocation; H2 $100M below June $218M covenant availability. Later authorization and covenant capacity remain conditions. |
| /operating_model/cells/base_2026q3_buybacks:base/case | None | base |
| /operating_model/cells/base_2026q3_buybacks:base/id | None | base_2026q3_buybacks |
| /operating_model/cells/base_2026q3_buybacks:base/kind | None | assumption |
| /operating_model/cells/base_2026q3_buybacks:base/label | None | Share repurchases |
| /operating_model/cells/base_2026q3_buybacks:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_buybacks:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_buybacks:base/value | None | 50.0 |
| /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 | Cash fixed assets and software |
| /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 | 13.0 |
| /operating_model/cells/base_2026q3_cash_after_claims:base/basis | None | Before debt amortization, refinancing, fees and reserve transfers; not equity distributable cash. |
| /operating_model/cells/base_2026q3_cash_after_claims:base/case | None | base |
| /operating_model/cells/base_2026q3_cash_after_claims:base/formula/op | None | subtract |
| /operating_model/cells/base_2026q3_cash_after_claims:base/formula/refs/0 | None | base_2026q3_cash_after_lending |
| /operating_model/cells/base_2026q3_cash_after_claims:base/formula/refs/1 | None | base_2026q3_buybacks |
| /operating_model/cells/base_2026q3_cash_after_claims:base/id | None | base_2026q3_cash_after_claims |
| /operating_model/cells/base_2026q3_cash_after_claims:base/kind | None | derived |
| /operating_model/cells/base_2026q3_cash_after_claims:base/label | None | Cash after lending and repurchases |
| /operating_model/cells/base_2026q3_cash_after_claims:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_cash_after_claims:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_cash_after_claims:base/value | None | -253.15116100000012 |
| /operating_model/cells/base_2026q3_cash_after_lending:base/basis | None | No new debt proceeds included. |
| /operating_model/cells/base_2026q3_cash_after_lending:base/case | None | base |
| /operating_model/cells/base_2026q3_cash_after_lending:base/formula/op | None | subtract |
| /operating_model/cells/base_2026q3_cash_after_lending:base/formula/refs/0 | None | base_2026q3_cfo |
| /operating_model/cells/base_2026q3_cash_after_lending:base/formula/refs/1 | None | base_2026q3_cash_investment |
| /operating_model/cells/base_2026q3_cash_after_lending:base/id | None | base_2026q3_cash_after_lending |
| /operating_model/cells/base_2026q3_cash_after_lending:base/kind | None | derived |
| /operating_model/cells/base_2026q3_cash_after_lending:base/label | None | Cash after capex and loan investment |
| /operating_model/cells/base_2026q3_cash_after_lending:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_cash_after_lending:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_cash_after_lending:base/value | None | -203.15116100000012 |
| /operating_model/cells/base_2026q3_cash_investment:base/basis | None | Loan growth can consume more than reported CFO. |
| /operating_model/cells/base_2026q3_cash_investment:base/case | None | base |
| /operating_model/cells/base_2026q3_cash_investment:base/formula/op | None | sum |
| /operating_model/cells/base_2026q3_cash_investment:base/formula/refs/0 | None | base_2026q3_capex |
| /operating_model/cells/base_2026q3_cash_investment:base/formula/refs/1 | None | base_2026q3_loan_investment |
| /operating_model/cells/base_2026q3_cash_investment:base/id | None | base_2026q3_cash_investment |
| /operating_model/cells/base_2026q3_cash_investment:base/kind | None | derived |
| /operating_model/cells/base_2026q3_cash_investment:base/label | None | Cash capital and net loan investment |
| /operating_model/cells/base_2026q3_cash_investment:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_cash_investment:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_cash_investment:base/value | None | 713.0 |
| /operating_model/cells/base_2026q3_cash_originations:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q3_cash_originations:base/case | None | base |
| /operating_model/cells/base_2026q3_cash_originations:base/id | None | base_2026q3_cash_originations |
| /operating_model/cells/base_2026q3_cash_originations:base/kind | None | assumption |
| /operating_model/cells/base_2026q3_cash_originations:base/label | None | Cash loan originations |
| /operating_model/cells/base_2026q3_cash_originations:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_cash_originations:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_cash_originations:base/value | None | 2400.0 |
| /operating_model/cells/base_2026q3_cash_tax:base/basis | None | All configured pretax cases are positive; negative stress would require a cash-tax floor. |
| /operating_model/cells/base_2026q3_cash_tax:base/case | None | base |
| /operating_model/cells/base_2026q3_cash_tax:base/formula/op | None | multiply |
| /operating_model/cells/base_2026q3_cash_tax:base/formula/refs/0 | None | base_2026q3_pretax |
| /operating_model/cells/base_2026q3_cash_tax:base/formula/refs/1 | None | base_2026q3_cash_tax_rate |
| /operating_model/cells/base_2026q3_cash_tax:base/id | None | base_2026q3_cash_tax |
| /operating_model/cells/base_2026q3_cash_tax:base/kind | None | derived |
| /operating_model/cells/base_2026q3_cash_tax:base/label | None | Cash tax allowance |
| /operating_model/cells/base_2026q3_cash_tax:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_cash_tax:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_cash_tax:base/value | None | 34.41221099999998 |
| /operating_model/cells/base_2026q3_cash_tax_rate:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q3_cash_tax_rate:base/case | None | base |
| /operating_model/cells/base_2026q3_cash_tax_rate:base/id | None | base_2026q3_cash_tax_rate |
| /operating_model/cells/base_2026q3_cash_tax_rate:base/kind | None | assumption |
| /operating_model/cells/base_2026q3_cash_tax_rate:base/label | None | Cash taxes / modeled pretax income |
| /operating_model/cells/base_2026q3_cash_tax_rate:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_cash_tax_rate:base/unit | None | ratio |
| /operating_model/cells/base_2026q3_cash_tax_rate:base/value | None | 0.24 |
| /operating_model/cells/base_2026q3_cfo:base/basis | None | Analytical CFO proxy; credit losses affect earnings and principal collections, not an extra cash expense. |
| /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_noncash_bridge |
| /operating_model/cells/base_2026q3_cfo:base/formula/refs/1 | None | base_2026q3_operating_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 before loan investment |
| /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 | 509.8488389999999 |
| /operating_model/cells/base_2026q3_consumer_activity:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q3_consumer_activity:base/case | None | base |
| /operating_model/cells/base_2026q3_consumer_activity:base/id | None | base_2026q3_consumer_activity |
| /operating_model/cells/base_2026q3_consumer_activity:base/kind | None | assumption |
| /operating_model/cells/base_2026q3_consumer_activity:base/label | None | Consumer average earning activity / Q2 |
| /operating_model/cells/base_2026q3_consumer_activity:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_consumer_activity:base/unit | None | ratio |
| /operating_model/cells/base_2026q3_consumer_activity:base/value | None | 1.0891899987222964 |
| /operating_model/cells/base_2026q3_consumer_credit_cost:base/basis | None | Credit and valuation sensitivity, not a cohort charge-off forecast. |
| /operating_model/cells/base_2026q3_consumer_credit_cost:base/case | None | base |
| /operating_model/cells/base_2026q3_consumer_credit_cost:base/formula/op | None | multiply |
| /operating_model/cells/base_2026q3_consumer_credit_cost:base/formula/refs/0 | None | base_2026q3_consumer_revenue |
| /operating_model/cells/base_2026q3_consumer_credit_cost:base/formula/refs/1 | None | base_2026q3_consumer_credit_ratio |
| /operating_model/cells/base_2026q3_consumer_credit_cost:base/id | None | base_2026q3_consumer_credit_cost |
| /operating_model/cells/base_2026q3_consumer_credit_cost:base/kind | None | derived |
| /operating_model/cells/base_2026q3_consumer_credit_cost:base/label | None | Consumer fair-value expense |
| /operating_model/cells/base_2026q3_consumer_credit_cost:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_consumer_credit_cost:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_consumer_credit_cost:base/value | None | 226.2 |
| /operating_model/cells/base_2026q3_consumer_credit_ratio:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q3_consumer_credit_ratio:base/case | None | base |
| /operating_model/cells/base_2026q3_consumer_credit_ratio:base/id | None | base_2026q3_consumer_credit_ratio |
| /operating_model/cells/base_2026q3_consumer_credit_ratio:base/kind | None | assumption |
| /operating_model/cells/base_2026q3_consumer_credit_ratio:base/label | None | Consumer fair-value expense / revenue |
| /operating_model/cells/base_2026q3_consumer_credit_ratio:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_consumer_credit_ratio:base/unit | None | ratio |
| /operating_model/cells/base_2026q3_consumer_credit_ratio:base/value | None | 0.435 |
| /operating_model/cells/base_2026q3_consumer_revenue:base/basis | None | Activity calibration and revenue yield can vary independently; includes interest and contractual fees. |
| /operating_model/cells/base_2026q3_consumer_revenue:base/case | None | base |
| /operating_model/cells/base_2026q3_consumer_revenue:base/formula/op | None | multiply |
| /operating_model/cells/base_2026q3_consumer_revenue:base/formula/refs/0 | None | q2_consumer |
| /operating_model/cells/base_2026q3_consumer_revenue:base/formula/refs/1 | None | base_2026q3_consumer_activity |
| /operating_model/cells/base_2026q3_consumer_revenue:base/formula/refs/2 | None | base_2026q3_consumer_yield |
| /operating_model/cells/base_2026q3_consumer_revenue:base/id | None | base_2026q3_consumer_revenue |
| /operating_model/cells/base_2026q3_consumer_revenue:base/kind | None | derived |
| /operating_model/cells/base_2026q3_consumer_revenue:base/label | None | Consumer lending revenue |
| /operating_model/cells/base_2026q3_consumer_revenue:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_consumer_revenue:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_consumer_revenue:base/value | None | 520.0 |
| /operating_model/cells/base_2026q3_consumer_yield:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q3_consumer_yield:base/case | None | base |
| /operating_model/cells/base_2026q3_consumer_yield:base/id | None | base_2026q3_consumer_yield |
| /operating_model/cells/base_2026q3_consumer_yield:base/kind | None | assumption |
| /operating_model/cells/base_2026q3_consumer_yield:base/label | None | Consumer revenue yield versus Q2 |
| /operating_model/cells/base_2026q3_consumer_yield:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_consumer_yield:base/unit | None | ratio |
| /operating_model/cells/base_2026q3_consumer_yield:base/value | None | 1.0 |
| /operating_model/cells/base_2026q3_credit_cost:base/basis | None | No double counting of charge-offs below fair-value expense. |
| /operating_model/cells/base_2026q3_credit_cost:base/case | None | base |
| /operating_model/cells/base_2026q3_credit_cost:base/formula/op | None | sum |
| /operating_model/cells/base_2026q3_credit_cost:base/formula/refs/0 | None | base_2026q3_consumer_credit_cost |
| /operating_model/cells/base_2026q3_credit_cost:base/formula/refs/1 | None | base_2026q3_business_credit_cost |
| /operating_model/cells/base_2026q3_credit_cost:base/id | None | base_2026q3_credit_cost |
| /operating_model/cells/base_2026q3_credit_cost:base/kind | None | derived |
| /operating_model/cells/base_2026q3_credit_cost:base/label | None | Total fair-value expense |
| /operating_model/cells/base_2026q3_credit_cost:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_credit_cost:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_credit_cost:base/value | None | 397.87683749999997 |
| /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 | Depreciation and amortization |
| /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 | 9.0 |
| /operating_model/cells/base_2026q3_ga:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q3_ga:base/case | None | base |
| /operating_model/cells/base_2026q3_ga:base/id | None | base_2026q3_ga |
| /operating_model/cells/base_2026q3_ga:base/kind | None | assumption |
| /operating_model/cells/base_2026q3_ga:base/label | None | General and administrative |
| /operating_model/cells/base_2026q3_ga:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_ga:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_ga:base/value | None | 47.0 |
| /operating_model/cells/base_2026q3_interest:base/basis | None | Blended cost for corporate and funding debt; commitments are not treated as draws. |
| /operating_model/cells/base_2026q3_interest:base/case | None | base |
| /operating_model/cells/base_2026q3_interest:base/formula/op | None | multiply |
| /operating_model/cells/base_2026q3_interest:base/formula/refs/0 | None | base_2026q3_average_debt |
| /operating_model/cells/base_2026q3_interest:base/formula/refs/1 | None | base_2026q3_annual_interest_rate |
| /operating_model/cells/base_2026q3_interest:base/formula/refs/2 | None | base_2026q3_quarter_fraction |
| /operating_model/cells/base_2026q3_interest:base/id | None | base_2026q3_interest |
| /operating_model/cells/base_2026q3_interest:base/kind | None | derived |
| /operating_model/cells/base_2026q3_interest:base/label | None | Net funding and corporate interest |
| /operating_model/cells/base_2026q3_interest:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_interest:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_interest:base/value | None | 103.35 |
| /operating_model/cells/base_2026q3_loan_investment:base/basis | None | Excludes interest collections already in operating cash and noncash renewals. |
| /operating_model/cells/base_2026q3_loan_investment:base/case | None | base |
| /operating_model/cells/base_2026q3_loan_investment:base/formula/op | None | subtract |
| /operating_model/cells/base_2026q3_loan_investment:base/formula/refs/0 | None | base_2026q3_cash_originations |
| /operating_model/cells/base_2026q3_loan_investment:base/formula/refs/1 | None | base_2026q3_principal_receipts |
| /operating_model/cells/base_2026q3_loan_investment:base/id | None | base_2026q3_loan_investment |
| /operating_model/cells/base_2026q3_loan_investment:base/kind | None | derived |
| /operating_model/cells/base_2026q3_loan_investment:base/label | None | Net cash loan investment |
| /operating_model/cells/base_2026q3_loan_investment:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_loan_investment:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_loan_investment:base/value | None | 700.0 |
| /operating_model/cells/base_2026q3_marketing:base/basis | None | Acquisition expense retained in earnings. |
| /operating_model/cells/base_2026q3_marketing:base/case | None | base |
| /operating_model/cells/base_2026q3_marketing:base/formula/op | None | multiply |
| /operating_model/cells/base_2026q3_marketing:base/formula/refs/0 | None | base_2026q3_revenue |
| /operating_model/cells/base_2026q3_marketing:base/formula/refs/1 | None | base_2026q3_marketing_ratio |
| /operating_model/cells/base_2026q3_marketing:base/id | None | base_2026q3_marketing |
| /operating_model/cells/base_2026q3_marketing:base/kind | None | derived |
| /operating_model/cells/base_2026q3_marketing:base/label | None | Marketing expense |
| /operating_model/cells/base_2026q3_marketing:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_marketing:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_marketing:base/value | None | 220.73644999999996 |
| /operating_model/cells/base_2026q3_marketing_ratio:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q3_marketing_ratio:base/case | None | base |
| /operating_model/cells/base_2026q3_marketing_ratio:base/id | None | base_2026q3_marketing_ratio |
| /operating_model/cells/base_2026q3_marketing_ratio:base/kind | None | assumption |
| /operating_model/cells/base_2026q3_marketing_ratio:base/label | None | Marketing / revenue |
| /operating_model/cells/base_2026q3_marketing_ratio:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_marketing_ratio:base/unit | None | ratio |
| /operating_model/cells/base_2026q3_marketing_ratio:base/value | None | 0.22 |
| /operating_model/cells/base_2026q3_net_revenue:base/basis | None | Financial-company net revenue, not industrial gross profit. |
| /operating_model/cells/base_2026q3_net_revenue:base/case | None | base |
| /operating_model/cells/base_2026q3_net_revenue:base/formula/op | None | subtract |
| /operating_model/cells/base_2026q3_net_revenue:base/formula/refs/0 | None | base_2026q3_revenue |
| /operating_model/cells/base_2026q3_net_revenue:base/formula/refs/1 | None | base_2026q3_credit_cost |
| /operating_model/cells/base_2026q3_net_revenue:base/id | None | base_2026q3_net_revenue |
| /operating_model/cells/base_2026q3_net_revenue:base/kind | None | derived |
| /operating_model/cells/base_2026q3_net_revenue:base/label | None | Revenue after fair-value expense |
| /operating_model/cells/base_2026q3_net_revenue:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_net_revenue:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_net_revenue:base/value | None | 605.4706624999999 |
| /operating_model/cells/base_2026q3_noncash_bridge:base/basis | None | Fair-value expense assumed noncash here; loan receipts are modeled separately. |
| /operating_model/cells/base_2026q3_noncash_bridge:base/case | None | base |
| /operating_model/cells/base_2026q3_noncash_bridge:base/formula/op | None | sum |
| /operating_model/cells/base_2026q3_noncash_bridge:base/formula/refs/0 | None | base_2026q3_pretax |
| /operating_model/cells/base_2026q3_noncash_bridge:base/formula/refs/1 | None | base_2026q3_credit_cost |
| /operating_model/cells/base_2026q3_noncash_bridge:base/formula/refs/2 | None | base_2026q3_da |
| /operating_model/cells/base_2026q3_noncash_bridge:base/formula/refs/3 | None | base_2026q3_sbc |
| /operating_model/cells/base_2026q3_noncash_bridge:base/id | None | base_2026q3_noncash_bridge |
| /operating_model/cells/base_2026q3_noncash_bridge:base/kind | None | derived |
| /operating_model/cells/base_2026q3_noncash_bridge:base/label | None | Pretax earnings plus noncash expenses |
| /operating_model/cells/base_2026q3_noncash_bridge:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_noncash_bridge:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_noncash_bridge:base/value | None | 559.2610499999998 |
| /operating_model/cells/base_2026q3_operating_cash_uses:base/basis | None | Covers fee amortization, tax timing and other operating balances, not cash loan originations. |
| /operating_model/cells/base_2026q3_operating_cash_uses:base/case | None | base |
| /operating_model/cells/base_2026q3_operating_cash_uses:base/formula/op | None | sum |
| /operating_model/cells/base_2026q3_operating_cash_uses:base/formula/refs/0 | None | base_2026q3_cash_tax |
| /operating_model/cells/base_2026q3_operating_cash_uses:base/formula/refs/1 | None | base_2026q3_working_capital_use |
| /operating_model/cells/base_2026q3_operating_cash_uses:base/id | None | base_2026q3_operating_cash_uses |
| /operating_model/cells/base_2026q3_operating_cash_uses:base/kind | None | derived |
| /operating_model/cells/base_2026q3_operating_cash_uses:base/label | None | Cash tax and other operating timing |
| /operating_model/cells/base_2026q3_operating_cash_uses:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_operating_cash_uses:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_operating_cash_uses:base/value | None | 49.41221099999998 |
| /operating_model/cells/base_2026q3_operating_income:base/basis | None | No Grasshopper synergies or one-time transaction recovery assumed. |
| /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_net_revenue |
| /operating_model/cells/base_2026q3_operating_income:base/formula/refs/1 | None | base_2026q3_opex |
| /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 | GAAP 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 | 246.7342124999999 |
| /operating_model/cells/base_2026q3_operations:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q3_operations:base/case | None | base |
| /operating_model/cells/base_2026q3_operations:base/id | None | base_2026q3_operations |
| /operating_model/cells/base_2026q3_operations:base/kind | None | assumption |
| /operating_model/cells/base_2026q3_operations:base/label | None | Operations and technology |
| /operating_model/cells/base_2026q3_operations:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_operations:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_operations:base/value | None | 82.0 |
| /operating_model/cells/base_2026q3_opex:base/basis | None | SBC is already within departmental expense; add back only in cash bridge. |
| /operating_model/cells/base_2026q3_opex:base/case | None | base |
| /operating_model/cells/base_2026q3_opex:base/formula/op | None | sum |
| /operating_model/cells/base_2026q3_opex:base/formula/refs/0 | None | base_2026q3_marketing |
| /operating_model/cells/base_2026q3_opex:base/formula/refs/1 | None | base_2026q3_operations |
| /operating_model/cells/base_2026q3_opex:base/formula/refs/2 | None | base_2026q3_ga |
| /operating_model/cells/base_2026q3_opex:base/formula/refs/3 | None | base_2026q3_da |
| /operating_model/cells/base_2026q3_opex:base/id | None | base_2026q3_opex |
| /operating_model/cells/base_2026q3_opex:base/kind | None | derived |
| /operating_model/cells/base_2026q3_opex:base/label | None | Operating expense |
| /operating_model/cells/base_2026q3_opex:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_opex:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_opex:base/value | None | 358.73645 |
| /operating_model/cells/base_2026q3_other_revenue:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q3_other_revenue:base/case | None | base |
| /operating_model/cells/base_2026q3_other_revenue:base/id | None | base_2026q3_other_revenue |
| /operating_model/cells/base_2026q3_other_revenue:base/kind | None | assumption |
| /operating_model/cells/base_2026q3_other_revenue:base/label | None | Other revenue |
| /operating_model/cells/base_2026q3_other_revenue:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_other_revenue:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_other_revenue:base/value | None | 13.0 |
| /operating_model/cells/base_2026q3_pretax:base/basis | None | No speculative nonoperating gains. |
| /operating_model/cells/base_2026q3_pretax:base/case | None | base |
| /operating_model/cells/base_2026q3_pretax:base/formula/op | None | subtract |
| /operating_model/cells/base_2026q3_pretax:base/formula/refs/0 | None | base_2026q3_operating_income |
| /operating_model/cells/base_2026q3_pretax:base/formula/refs/1 | None | base_2026q3_interest |
| /operating_model/cells/base_2026q3_pretax:base/id | None | base_2026q3_pretax |
| /operating_model/cells/base_2026q3_pretax:base/kind | None | derived |
| /operating_model/cells/base_2026q3_pretax:base/label | None | Pretax earnings proxy |
| /operating_model/cells/base_2026q3_pretax:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_pretax:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_pretax:base/value | None | 143.3842124999999 |
| /operating_model/cells/base_2026q3_principal_receipts:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q3_principal_receipts:base/case | None | base |
| /operating_model/cells/base_2026q3_principal_receipts:base/id | None | base_2026q3_principal_receipts |
| /operating_model/cells/base_2026q3_principal_receipts:base/kind | None | assumption |
| /operating_model/cells/base_2026q3_principal_receipts:base/label | None | Cash principal collections |
| /operating_model/cells/base_2026q3_principal_receipts:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_principal_receipts:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_principal_receipts:base/value | None | 1700.0 |
| /operating_model/cells/base_2026q3_quarter_fraction:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q3_quarter_fraction:base/case | None | base |
| /operating_model/cells/base_2026q3_quarter_fraction:base/id | None | base_2026q3_quarter_fraction |
| /operating_model/cells/base_2026q3_quarter_fraction:base/kind | None | assumption |
| /operating_model/cells/base_2026q3_quarter_fraction:base/label | None | Quarter of annual rate |
| /operating_model/cells/base_2026q3_quarter_fraction:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_quarter_fraction:base/unit | None | ratio |
| /operating_model/cells/base_2026q3_quarter_fraction:base/value | None | 0.25 |
| /operating_model/cells/base_2026q3_revenue:base/basis | None | No bank acquisition contribution. |
| /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_consumer_revenue |
| /operating_model/cells/base_2026q3_revenue:base/formula/refs/1 | None | base_2026q3_business_revenue |
| /operating_model/cells/base_2026q3_revenue:base/formula/refs/2 | None | base_2026q3_other_revenue |
| /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 | Total 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 | 1003.3474999999999 |
| /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 | SBC expense |
| /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 | 9.0 |
| /operating_model/cells/base_2026q3_working_capital_use:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q3_working_capital_use:base/case | None | base |
| /operating_model/cells/base_2026q3_working_capital_use:base/id | None | base_2026q3_working_capital_use |
| /operating_model/cells/base_2026q3_working_capital_use:base/kind | None | assumption |
| /operating_model/cells/base_2026q3_working_capital_use:base/label | None | Net other cash use |
| /operating_model/cells/base_2026q3_working_capital_use:base/period | None | 2026Q3 |
| /operating_model/cells/base_2026q3_working_capital_use:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q3_working_capital_use:base/value | None | 15.0 |
| /operating_model/cells/base_2026q4_annual_interest_rate:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q4_annual_interest_rate:base/case | None | base |
| /operating_model/cells/base_2026q4_annual_interest_rate:base/id | None | base_2026q4_annual_interest_rate |
| /operating_model/cells/base_2026q4_annual_interest_rate:base/kind | None | assumption |
| /operating_model/cells/base_2026q4_annual_interest_rate:base/label | None | Net annual debt cost including fees |
| /operating_model/cells/base_2026q4_annual_interest_rate:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_annual_interest_rate:base/unit | None | ratio |
| /operating_model/cells/base_2026q4_annual_interest_rate:base/value | None | 0.078 |
| /operating_model/cells/base_2026q4_average_debt:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q4_average_debt:base/case | None | base |
| /operating_model/cells/base_2026q4_average_debt:base/id | None | base_2026q4_average_debt |
| /operating_model/cells/base_2026q4_average_debt:base/kind | None | assumption |
| /operating_model/cells/base_2026q4_average_debt:base/label | None | Average funded debt |
| /operating_model/cells/base_2026q4_average_debt:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_average_debt:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_average_debt:base/value | None | 5525.0 |
| /operating_model/cells/base_2026q4_business_activity:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q4_business_activity:base/case | None | base |
| /operating_model/cells/base_2026q4_business_activity:base/id | None | base_2026q4_business_activity |
| /operating_model/cells/base_2026q4_business_activity:base/kind | None | assumption |
| /operating_model/cells/base_2026q4_business_activity:base/label | None | Business average earning activity / Q2 |
| /operating_model/cells/base_2026q4_business_activity:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_business_activity:base/unit | None | ratio |
| /operating_model/cells/base_2026q4_business_activity:base/value | None | 1.1254090308921638 |
| /operating_model/cells/base_2026q4_business_credit_cost:base/basis | None | Credit and valuation sensitivity, not a cohort charge-off forecast. |
| /operating_model/cells/base_2026q4_business_credit_cost:base/case | None | base |
| /operating_model/cells/base_2026q4_business_credit_cost:base/formula/op | None | multiply |
| /operating_model/cells/base_2026q4_business_credit_cost:base/formula/refs/0 | None | base_2026q4_business_revenue |
| /operating_model/cells/base_2026q4_business_credit_cost:base/formula/refs/1 | None | base_2026q4_business_credit_ratio |
| /operating_model/cells/base_2026q4_business_credit_cost:base/id | None | base_2026q4_business_credit_cost |
| /operating_model/cells/base_2026q4_business_credit_cost:base/kind | None | derived |
| /operating_model/cells/base_2026q4_business_credit_cost:base/label | None | Business fair-value expense |
| /operating_model/cells/base_2026q4_business_credit_cost:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_business_credit_cost:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_business_credit_cost:base/value | None | 180.4408251250003 |
| /operating_model/cells/base_2026q4_business_credit_ratio:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q4_business_credit_ratio:base/case | None | base |
| /operating_model/cells/base_2026q4_business_credit_ratio:base/id | None | base_2026q4_business_credit_ratio |
| /operating_model/cells/base_2026q4_business_credit_ratio:base/kind | None | assumption |
| /operating_model/cells/base_2026q4_business_credit_ratio:base/label | None | Business fair-value expense / revenue |
| /operating_model/cells/base_2026q4_business_credit_ratio:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_business_credit_ratio:base/unit | None | ratio |
| /operating_model/cells/base_2026q4_business_credit_ratio:base/value | None | 0.365 |
| /operating_model/cells/base_2026q4_business_revenue:base/basis | None | Activity calibration and revenue yield can vary independently; includes interest and contractual fees. |
| /operating_model/cells/base_2026q4_business_revenue:base/case | None | base |
| /operating_model/cells/base_2026q4_business_revenue:base/formula/op | None | multiply |
| /operating_model/cells/base_2026q4_business_revenue:base/formula/refs/0 | None | q2_business |
| /operating_model/cells/base_2026q4_business_revenue:base/formula/refs/1 | None | base_2026q4_business_activity |
| /operating_model/cells/base_2026q4_business_revenue:base/formula/refs/2 | None | base_2026q4_business_yield |
| /operating_model/cells/base_2026q4_business_revenue:base/id | None | base_2026q4_business_revenue |
| /operating_model/cells/base_2026q4_business_revenue:base/kind | None | derived |
| /operating_model/cells/base_2026q4_business_revenue:base/label | None | Business lending revenue |
| /operating_model/cells/base_2026q4_business_revenue:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_business_revenue:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_business_revenue:base/value | None | 494.3584250000008 |
| /operating_model/cells/base_2026q4_business_yield:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q4_business_yield:base/case | None | base |
| /operating_model/cells/base_2026q4_business_yield:base/id | None | base_2026q4_business_yield |
| /operating_model/cells/base_2026q4_business_yield:base/kind | None | assumption |
| /operating_model/cells/base_2026q4_business_yield:base/label | None | Business revenue yield versus Q2 |
| /operating_model/cells/base_2026q4_business_yield:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_business_yield:base/unit | None | ratio |
| /operating_model/cells/base_2026q4_business_yield:base/value | None | 1.0 |
| /operating_model/cells/base_2026q4_buybacks:base/basis | None | Desk capital allocation; H2 $100M below June $218M covenant availability. Later authorization and covenant capacity remain conditions. |
| /operating_model/cells/base_2026q4_buybacks:base/case | None | base |
| /operating_model/cells/base_2026q4_buybacks:base/id | None | base_2026q4_buybacks |
| /operating_model/cells/base_2026q4_buybacks:base/kind | None | assumption |
| /operating_model/cells/base_2026q4_buybacks:base/label | None | Share repurchases |
| /operating_model/cells/base_2026q4_buybacks:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_buybacks:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_buybacks:base/value | None | 50.0 |
| /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 | Cash fixed assets and software |
| /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 | 14.0 |
| /operating_model/cells/base_2026q4_cash_after_claims:base/basis | None | Before debt amortization, refinancing, fees and reserve transfers; not equity distributable cash. |
| /operating_model/cells/base_2026q4_cash_after_claims:base/case | None | base |
| /operating_model/cells/base_2026q4_cash_after_claims:base/formula/op | None | subtract |
| /operating_model/cells/base_2026q4_cash_after_claims:base/formula/refs/0 | None | base_2026q4_cash_after_lending |
| /operating_model/cells/base_2026q4_cash_after_claims:base/formula/refs/1 | None | base_2026q4_buybacks |
| /operating_model/cells/base_2026q4_cash_after_claims:base/id | None | base_2026q4_cash_after_claims |
| /operating_model/cells/base_2026q4_cash_after_claims:base/kind | None | derived |
| /operating_model/cells/base_2026q4_cash_after_claims:base/label | None | Cash after lending and repurchases |
| /operating_model/cells/base_2026q4_cash_after_claims:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_cash_after_claims:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_cash_after_claims:base/value | None | -289.9738276299995 |
| /operating_model/cells/base_2026q4_cash_after_lending:base/basis | None | No new debt proceeds included. |
| /operating_model/cells/base_2026q4_cash_after_lending:base/case | None | base |
| /operating_model/cells/base_2026q4_cash_after_lending:base/formula/op | None | subtract |
| /operating_model/cells/base_2026q4_cash_after_lending:base/formula/refs/0 | None | base_2026q4_cfo |
| /operating_model/cells/base_2026q4_cash_after_lending:base/formula/refs/1 | None | base_2026q4_cash_investment |
| /operating_model/cells/base_2026q4_cash_after_lending:base/id | None | base_2026q4_cash_after_lending |
| /operating_model/cells/base_2026q4_cash_after_lending:base/kind | None | derived |
| /operating_model/cells/base_2026q4_cash_after_lending:base/label | None | Cash after capex and loan investment |
| /operating_model/cells/base_2026q4_cash_after_lending:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_cash_after_lending:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_cash_after_lending:base/value | None | -239.9738276299995 |
| /operating_model/cells/base_2026q4_cash_investment:base/basis | None | Loan growth can consume more than reported CFO. |
| /operating_model/cells/base_2026q4_cash_investment:base/case | None | base |
| /operating_model/cells/base_2026q4_cash_investment:base/formula/op | None | sum |
| /operating_model/cells/base_2026q4_cash_investment:base/formula/refs/0 | None | base_2026q4_capex |
| /operating_model/cells/base_2026q4_cash_investment:base/formula/refs/1 | None | base_2026q4_loan_investment |
| /operating_model/cells/base_2026q4_cash_investment:base/id | None | base_2026q4_cash_investment |
| /operating_model/cells/base_2026q4_cash_investment:base/kind | None | derived |
| /operating_model/cells/base_2026q4_cash_investment:base/label | None | Cash capital and net loan investment |
| /operating_model/cells/base_2026q4_cash_investment:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_cash_investment:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_cash_investment:base/value | None | 774.0 |
| /operating_model/cells/base_2026q4_cash_originations:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q4_cash_originations:base/case | None | base |
| /operating_model/cells/base_2026q4_cash_originations:base/id | None | base_2026q4_cash_originations |
| /operating_model/cells/base_2026q4_cash_originations:base/kind | None | assumption |
| /operating_model/cells/base_2026q4_cash_originations:base/label | None | Cash loan originations |
| /operating_model/cells/base_2026q4_cash_originations:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_cash_originations:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_cash_originations:base/value | None | 2600.0 |
| /operating_model/cells/base_2026q4_cash_tax:base/basis | None | All configured pretax cases are positive; negative stress would require a cash-tax floor. |
| /operating_model/cells/base_2026q4_cash_tax:base/case | None | base |
| /operating_model/cells/base_2026q4_cash_tax:base/formula/op | None | multiply |
| /operating_model/cells/base_2026q4_cash_tax:base/formula/refs/0 | None | base_2026q4_pretax |
| /operating_model/cells/base_2026q4_cash_tax:base/formula/refs/1 | None | base_2026q4_cash_tax_rate |
| /operating_model/cells/base_2026q4_cash_tax:base/id | None | base_2026q4_cash_tax |
| /operating_model/cells/base_2026q4_cash_tax:base/kind | None | derived |
| /operating_model/cells/base_2026q4_cash_tax:base/label | None | Cash tax allowance |
| /operating_model/cells/base_2026q4_cash_tax:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_cash_tax:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_cash_tax:base/value | None | 36.255899130000095 |
| /operating_model/cells/base_2026q4_cash_tax_rate:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q4_cash_tax_rate:base/case | None | base |
| /operating_model/cells/base_2026q4_cash_tax_rate:base/id | None | base_2026q4_cash_tax_rate |
| /operating_model/cells/base_2026q4_cash_tax_rate:base/kind | None | assumption |
| /operating_model/cells/base_2026q4_cash_tax_rate:base/label | None | Cash taxes / modeled pretax income |
| /operating_model/cells/base_2026q4_cash_tax_rate:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_cash_tax_rate:base/unit | None | ratio |
| /operating_model/cells/base_2026q4_cash_tax_rate:base/value | None | 0.24 |
| /operating_model/cells/base_2026q4_cfo:base/basis | None | Analytical CFO proxy; credit losses affect earnings and principal collections, not an extra cash expense. |
| /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_noncash_bridge |
| /operating_model/cells/base_2026q4_cfo:base/formula/refs/1 | None | base_2026q4_operating_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 before loan investment |
| /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 | 534.0261723700005 |
| /operating_model/cells/base_2026q4_consumer_activity:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q4_consumer_activity:base/case | None | base |
| /operating_model/cells/base_2026q4_consumer_activity:base/id | None | base_2026q4_consumer_activity |
| /operating_model/cells/base_2026q4_consumer_activity:base/kind | None | assumption |
| /operating_model/cells/base_2026q4_consumer_activity:base/label | None | Consumer average earning activity / Q2 |
| /operating_model/cells/base_2026q4_consumer_activity:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_consumer_activity:base/unit | None | ratio |
| /operating_model/cells/base_2026q4_consumer_activity:base/value | None | 1.1415549025070222 |
| /operating_model/cells/base_2026q4_consumer_credit_cost:base/basis | None | Credit and valuation sensitivity, not a cohort charge-off forecast. |
| /operating_model/cells/base_2026q4_consumer_credit_cost:base/case | None | base |
| /operating_model/cells/base_2026q4_consumer_credit_cost:base/formula/op | None | multiply |
| /operating_model/cells/base_2026q4_consumer_credit_cost:base/formula/refs/0 | None | base_2026q4_consumer_revenue |
| /operating_model/cells/base_2026q4_consumer_credit_cost:base/formula/refs/1 | None | base_2026q4_consumer_credit_ratio |
| /operating_model/cells/base_2026q4_consumer_credit_cost:base/id | None | base_2026q4_consumer_credit_cost |
| /operating_model/cells/base_2026q4_consumer_credit_cost:base/kind | None | derived |
| /operating_model/cells/base_2026q4_consumer_credit_cost:base/label | None | Consumer fair-value expense |
| /operating_model/cells/base_2026q4_consumer_credit_cost:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_consumer_credit_cost:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_consumer_credit_cost:base/value | None | 237.075 |
| /operating_model/cells/base_2026q4_consumer_credit_ratio:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q4_consumer_credit_ratio:base/case | None | base |
| /operating_model/cells/base_2026q4_consumer_credit_ratio:base/id | None | base_2026q4_consumer_credit_ratio |
| /operating_model/cells/base_2026q4_consumer_credit_ratio:base/kind | None | assumption |
| /operating_model/cells/base_2026q4_consumer_credit_ratio:base/label | None | Consumer fair-value expense / revenue |
| /operating_model/cells/base_2026q4_consumer_credit_ratio:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_consumer_credit_ratio:base/unit | None | ratio |
| /operating_model/cells/base_2026q4_consumer_credit_ratio:base/value | None | 0.435 |
| /operating_model/cells/base_2026q4_consumer_revenue:base/basis | None | Activity calibration and revenue yield can vary independently; includes interest and contractual fees. |
| /operating_model/cells/base_2026q4_consumer_revenue:base/case | None | base |
| /operating_model/cells/base_2026q4_consumer_revenue:base/formula/op | None | multiply |
| /operating_model/cells/base_2026q4_consumer_revenue:base/formula/refs/0 | None | q2_consumer |
| /operating_model/cells/base_2026q4_consumer_revenue:base/formula/refs/1 | None | base_2026q4_consumer_activity |
| /operating_model/cells/base_2026q4_consumer_revenue:base/formula/refs/2 | None | base_2026q4_consumer_yield |
| /operating_model/cells/base_2026q4_consumer_revenue:base/id | None | base_2026q4_consumer_revenue |
| /operating_model/cells/base_2026q4_consumer_revenue:base/kind | None | derived |
| /operating_model/cells/base_2026q4_consumer_revenue:base/label | None | Consumer lending revenue |
| /operating_model/cells/base_2026q4_consumer_revenue:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_consumer_revenue:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_consumer_revenue:base/value | None | 545.0 |
| /operating_model/cells/base_2026q4_consumer_yield:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q4_consumer_yield:base/case | None | base |
| /operating_model/cells/base_2026q4_consumer_yield:base/id | None | base_2026q4_consumer_yield |
| /operating_model/cells/base_2026q4_consumer_yield:base/kind | None | assumption |
| /operating_model/cells/base_2026q4_consumer_yield:base/label | None | Consumer revenue yield versus Q2 |
| /operating_model/cells/base_2026q4_consumer_yield:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_consumer_yield:base/unit | None | ratio |
| /operating_model/cells/base_2026q4_consumer_yield:base/value | None | 1.0 |
| /operating_model/cells/base_2026q4_credit_cost:base/basis | None | No double counting of charge-offs below fair-value expense. |
| /operating_model/cells/base_2026q4_credit_cost:base/case | None | base |
| /operating_model/cells/base_2026q4_credit_cost:base/formula/op | None | sum |
| /operating_model/cells/base_2026q4_credit_cost:base/formula/refs/0 | None | base_2026q4_consumer_credit_cost |
| /operating_model/cells/base_2026q4_credit_cost:base/formula/refs/1 | None | base_2026q4_business_credit_cost |
| /operating_model/cells/base_2026q4_credit_cost:base/id | None | base_2026q4_credit_cost |
| /operating_model/cells/base_2026q4_credit_cost:base/kind | None | derived |
| /operating_model/cells/base_2026q4_credit_cost:base/label | None | Total fair-value expense |
| /operating_model/cells/base_2026q4_credit_cost:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_credit_cost:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_credit_cost:base/value | None | 417.5158251250003 |
| /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 | Depreciation and amortization |
| /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 | 9.3 |
| /operating_model/cells/base_2026q4_ga:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q4_ga:base/case | None | base |
| /operating_model/cells/base_2026q4_ga:base/id | None | base_2026q4_ga |
| /operating_model/cells/base_2026q4_ga:base/kind | None | assumption |
| /operating_model/cells/base_2026q4_ga:base/label | None | General and administrative |
| /operating_model/cells/base_2026q4_ga:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_ga:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_ga:base/value | None | 49.0 |
| /operating_model/cells/base_2026q4_interest:base/basis | None | Blended cost for corporate and funding debt; commitments are not treated as draws. |
| /operating_model/cells/base_2026q4_interest:base/case | None | base |
| /operating_model/cells/base_2026q4_interest:base/formula/op | None | multiply |
| /operating_model/cells/base_2026q4_interest:base/formula/refs/0 | None | base_2026q4_average_debt |
| /operating_model/cells/base_2026q4_interest:base/formula/refs/1 | None | base_2026q4_annual_interest_rate |
| /operating_model/cells/base_2026q4_interest:base/formula/refs/2 | None | base_2026q4_quarter_fraction |
| /operating_model/cells/base_2026q4_interest:base/id | None | base_2026q4_interest |
| /operating_model/cells/base_2026q4_interest:base/kind | None | derived |
| /operating_model/cells/base_2026q4_interest:base/label | None | Net funding and corporate interest |
| /operating_model/cells/base_2026q4_interest:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_interest:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_interest:base/value | None | 107.7375 |
| /operating_model/cells/base_2026q4_loan_investment:base/basis | None | Excludes interest collections already in operating cash and noncash renewals. |
| /operating_model/cells/base_2026q4_loan_investment:base/case | None | base |
| /operating_model/cells/base_2026q4_loan_investment:base/formula/op | None | subtract |
| /operating_model/cells/base_2026q4_loan_investment:base/formula/refs/0 | None | base_2026q4_cash_originations |
| /operating_model/cells/base_2026q4_loan_investment:base/formula/refs/1 | None | base_2026q4_principal_receipts |
| /operating_model/cells/base_2026q4_loan_investment:base/id | None | base_2026q4_loan_investment |
| /operating_model/cells/base_2026q4_loan_investment:base/kind | None | derived |
| /operating_model/cells/base_2026q4_loan_investment:base/label | None | Net cash loan investment |
| /operating_model/cells/base_2026q4_loan_investment:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_loan_investment:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_loan_investment:base/value | None | 760.0 |
| /operating_model/cells/base_2026q4_marketing:base/basis | None | Acquisition expense retained in earnings. |
| /operating_model/cells/base_2026q4_marketing:base/case | None | base |
| /operating_model/cells/base_2026q4_marketing:base/formula/op | None | multiply |
| /operating_model/cells/base_2026q4_marketing:base/formula/refs/0 | None | base_2026q4_revenue |
| /operating_model/cells/base_2026q4_marketing:base/formula/refs/1 | None | base_2026q4_marketing_ratio |
| /operating_model/cells/base_2026q4_marketing:base/id | None | base_2026q4_marketing |
| /operating_model/cells/base_2026q4_marketing:base/kind | None | derived |
| /operating_model/cells/base_2026q4_marketing:base/label | None | Marketing expense |
| /operating_model/cells/base_2026q4_marketing:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_marketing:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_marketing:base/value | None | 231.73885350000018 |
| /operating_model/cells/base_2026q4_marketing_ratio:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q4_marketing_ratio:base/case | None | base |
| /operating_model/cells/base_2026q4_marketing_ratio:base/id | None | base_2026q4_marketing_ratio |
| /operating_model/cells/base_2026q4_marketing_ratio:base/kind | None | assumption |
| /operating_model/cells/base_2026q4_marketing_ratio:base/label | None | Marketing / revenue |
| /operating_model/cells/base_2026q4_marketing_ratio:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_marketing_ratio:base/unit | None | ratio |
| /operating_model/cells/base_2026q4_marketing_ratio:base/value | None | 0.22 |
| /operating_model/cells/base_2026q4_net_revenue:base/basis | None | Financial-company net revenue, not industrial gross profit. |
| /operating_model/cells/base_2026q4_net_revenue:base/case | None | base |
| /operating_model/cells/base_2026q4_net_revenue:base/formula/op | None | subtract |
| /operating_model/cells/base_2026q4_net_revenue:base/formula/refs/0 | None | base_2026q4_revenue |
| /operating_model/cells/base_2026q4_net_revenue:base/formula/refs/1 | None | base_2026q4_credit_cost |
| /operating_model/cells/base_2026q4_net_revenue:base/id | None | base_2026q4_net_revenue |
| /operating_model/cells/base_2026q4_net_revenue:base/kind | None | derived |
| /operating_model/cells/base_2026q4_net_revenue:base/label | None | Revenue after fair-value expense |
| /operating_model/cells/base_2026q4_net_revenue:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_net_revenue:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_net_revenue:base/value | None | 635.8425998750006 |
| /operating_model/cells/base_2026q4_noncash_bridge:base/basis | None | Fair-value expense assumed noncash here; loan receipts are modeled separately. |
| /operating_model/cells/base_2026q4_noncash_bridge:base/case | None | base |
| /operating_model/cells/base_2026q4_noncash_bridge:base/formula/op | None | sum |
| /operating_model/cells/base_2026q4_noncash_bridge:base/formula/refs/0 | None | base_2026q4_pretax |
| /operating_model/cells/base_2026q4_noncash_bridge:base/formula/refs/1 | None | base_2026q4_credit_cost |
| /operating_model/cells/base_2026q4_noncash_bridge:base/formula/refs/2 | None | base_2026q4_da |
| /operating_model/cells/base_2026q4_noncash_bridge:base/formula/refs/3 | None | base_2026q4_sbc |
| /operating_model/cells/base_2026q4_noncash_bridge:base/id | None | base_2026q4_noncash_bridge |
| /operating_model/cells/base_2026q4_noncash_bridge:base/kind | None | derived |
| /operating_model/cells/base_2026q4_noncash_bridge:base/label | None | Pretax earnings plus noncash expenses |
| /operating_model/cells/base_2026q4_noncash_bridge:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_noncash_bridge:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_noncash_bridge:base/value | None | 587.2820715000006 |
| /operating_model/cells/base_2026q4_operating_cash_uses:base/basis | None | Covers fee amortization, tax timing and other operating balances, not cash loan originations. |
| /operating_model/cells/base_2026q4_operating_cash_uses:base/case | None | base |
| /operating_model/cells/base_2026q4_operating_cash_uses:base/formula/op | None | sum |
| /operating_model/cells/base_2026q4_operating_cash_uses:base/formula/refs/0 | None | base_2026q4_cash_tax |
| /operating_model/cells/base_2026q4_operating_cash_uses:base/formula/refs/1 | None | base_2026q4_working_capital_use |
| /operating_model/cells/base_2026q4_operating_cash_uses:base/id | None | base_2026q4_operating_cash_uses |
| /operating_model/cells/base_2026q4_operating_cash_uses:base/kind | None | derived |
| /operating_model/cells/base_2026q4_operating_cash_uses:base/label | None | Cash tax and other operating timing |
| /operating_model/cells/base_2026q4_operating_cash_uses:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_operating_cash_uses:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_operating_cash_uses:base/value | None | 53.255899130000095 |
| /operating_model/cells/base_2026q4_operating_income:base/basis | None | No Grasshopper synergies or one-time transaction recovery assumed. |
| /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_net_revenue |
| /operating_model/cells/base_2026q4_operating_income:base/formula/refs/1 | None | base_2026q4_opex |
| /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 | GAAP 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 | 258.8037463750004 |
| /operating_model/cells/base_2026q4_operations:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q4_operations:base/case | None | base |
| /operating_model/cells/base_2026q4_operations:base/id | None | base_2026q4_operations |
| /operating_model/cells/base_2026q4_operations:base/kind | None | assumption |
| /operating_model/cells/base_2026q4_operations:base/label | None | Operations and technology |
| /operating_model/cells/base_2026q4_operations:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_operations:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_operations:base/value | None | 87.0 |
| /operating_model/cells/base_2026q4_opex:base/basis | None | SBC is already within departmental expense; add back only in cash bridge. |
| /operating_model/cells/base_2026q4_opex:base/case | None | base |
| /operating_model/cells/base_2026q4_opex:base/formula/op | None | sum |
| /operating_model/cells/base_2026q4_opex:base/formula/refs/0 | None | base_2026q4_marketing |
| /operating_model/cells/base_2026q4_opex:base/formula/refs/1 | None | base_2026q4_operations |
| /operating_model/cells/base_2026q4_opex:base/formula/refs/2 | None | base_2026q4_ga |
| /operating_model/cells/base_2026q4_opex:base/formula/refs/3 | None | base_2026q4_da |
| /operating_model/cells/base_2026q4_opex:base/id | None | base_2026q4_opex |
| /operating_model/cells/base_2026q4_opex:base/kind | None | derived |
| /operating_model/cells/base_2026q4_opex:base/label | None | Operating expense |
| /operating_model/cells/base_2026q4_opex:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_opex:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_opex:base/value | None | 377.0388535000002 |
| /operating_model/cells/base_2026q4_other_revenue:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q4_other_revenue:base/case | None | base |
| /operating_model/cells/base_2026q4_other_revenue:base/id | None | base_2026q4_other_revenue |
| /operating_model/cells/base_2026q4_other_revenue:base/kind | None | assumption |
| /operating_model/cells/base_2026q4_other_revenue:base/label | None | Other revenue |
| /operating_model/cells/base_2026q4_other_revenue:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_other_revenue:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_other_revenue:base/value | None | 14.0 |
| /operating_model/cells/base_2026q4_pretax:base/basis | None | No speculative nonoperating gains. |
| /operating_model/cells/base_2026q4_pretax:base/case | None | base |
| /operating_model/cells/base_2026q4_pretax:base/formula/op | None | subtract |
| /operating_model/cells/base_2026q4_pretax:base/formula/refs/0 | None | base_2026q4_operating_income |
| /operating_model/cells/base_2026q4_pretax:base/formula/refs/1 | None | base_2026q4_interest |
| /operating_model/cells/base_2026q4_pretax:base/id | None | base_2026q4_pretax |
| /operating_model/cells/base_2026q4_pretax:base/kind | None | derived |
| /operating_model/cells/base_2026q4_pretax:base/label | None | Pretax earnings proxy |
| /operating_model/cells/base_2026q4_pretax:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_pretax:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_pretax:base/value | None | 151.0662463750004 |
| /operating_model/cells/base_2026q4_principal_receipts:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q4_principal_receipts:base/case | None | base |
| /operating_model/cells/base_2026q4_principal_receipts:base/id | None | base_2026q4_principal_receipts |
| /operating_model/cells/base_2026q4_principal_receipts:base/kind | None | assumption |
| /operating_model/cells/base_2026q4_principal_receipts:base/label | None | Cash principal collections |
| /operating_model/cells/base_2026q4_principal_receipts:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_principal_receipts:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_principal_receipts:base/value | None | 1840.0 |
| /operating_model/cells/base_2026q4_quarter_fraction:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q4_quarter_fraction:base/case | None | base |
| /operating_model/cells/base_2026q4_quarter_fraction:base/id | None | base_2026q4_quarter_fraction |
| /operating_model/cells/base_2026q4_quarter_fraction:base/kind | None | assumption |
| /operating_model/cells/base_2026q4_quarter_fraction:base/label | None | Quarter of annual rate |
| /operating_model/cells/base_2026q4_quarter_fraction:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_quarter_fraction:base/unit | None | ratio |
| /operating_model/cells/base_2026q4_quarter_fraction:base/value | None | 0.25 |
| /operating_model/cells/base_2026q4_revenue:base/basis | None | No bank acquisition contribution. |
| /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_consumer_revenue |
| /operating_model/cells/base_2026q4_revenue:base/formula/refs/1 | None | base_2026q4_business_revenue |
| /operating_model/cells/base_2026q4_revenue:base/formula/refs/2 | None | base_2026q4_other_revenue |
| /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 | Total 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 | 1053.3584250000008 |
| /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 | SBC expense |
| /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 | 9.4 |
| /operating_model/cells/base_2026q4_working_capital_use:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2026q4_working_capital_use:base/case | None | base |
| /operating_model/cells/base_2026q4_working_capital_use:base/id | None | base_2026q4_working_capital_use |
| /operating_model/cells/base_2026q4_working_capital_use:base/kind | None | assumption |
| /operating_model/cells/base_2026q4_working_capital_use:base/label | None | Net other cash use |
| /operating_model/cells/base_2026q4_working_capital_use:base/period | None | 2026Q4 |
| /operating_model/cells/base_2026q4_working_capital_use:base/unit | None | USD_millions |
| /operating_model/cells/base_2026q4_working_capital_use:base/value | None | 17.0 |
| /operating_model/cells/base_2027q1_annual_interest_rate:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q1_annual_interest_rate:base/case | None | base |
| /operating_model/cells/base_2027q1_annual_interest_rate:base/id | None | base_2027q1_annual_interest_rate |
| /operating_model/cells/base_2027q1_annual_interest_rate:base/kind | None | assumption |
| /operating_model/cells/base_2027q1_annual_interest_rate:base/label | None | Net annual debt cost including fees |
| /operating_model/cells/base_2027q1_annual_interest_rate:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_annual_interest_rate:base/unit | None | ratio |
| /operating_model/cells/base_2027q1_annual_interest_rate:base/value | None | 0.078 |
| /operating_model/cells/base_2027q1_average_debt:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q1_average_debt:base/case | None | base |
| /operating_model/cells/base_2027q1_average_debt:base/id | None | base_2027q1_average_debt |
| /operating_model/cells/base_2027q1_average_debt:base/kind | None | assumption |
| /operating_model/cells/base_2027q1_average_debt:base/label | None | Average funded debt |
| /operating_model/cells/base_2027q1_average_debt:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_average_debt:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_average_debt:base/value | None | 5750.0 |
| /operating_model/cells/base_2027q1_business_activity:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q1_business_activity:base/case | None | base |
| /operating_model/cells/base_2027q1_business_activity:base/id | None | base_2027q1_business_activity |
| /operating_model/cells/base_2027q1_business_activity:base/kind | None | assumption |
| /operating_model/cells/base_2027q1_business_activity:base/label | None | Business average earning activity / Q2 |
| /operating_model/cells/base_2027q1_business_activity:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_business_activity:base/unit | None | ratio |
| /operating_model/cells/base_2027q1_business_activity:base/value | None | 1.1837821840781297 |
| /operating_model/cells/base_2027q1_business_credit_cost:base/basis | None | Credit and valuation sensitivity, not a cohort charge-off forecast. |
| /operating_model/cells/base_2027q1_business_credit_cost:base/case | None | base |
| /operating_model/cells/base_2027q1_business_credit_cost:base/formula/op | None | multiply |
| /operating_model/cells/base_2027q1_business_credit_cost:base/formula/refs/0 | None | base_2027q1_business_revenue |
| /operating_model/cells/base_2027q1_business_credit_cost:base/formula/refs/1 | None | base_2027q1_business_credit_ratio |
| /operating_model/cells/base_2027q1_business_credit_cost:base/id | None | base_2027q1_business_credit_cost |
| /operating_model/cells/base_2027q1_business_credit_cost:base/kind | None | derived |
| /operating_model/cells/base_2027q1_business_credit_cost:base/label | None | Business fair-value expense |
| /operating_model/cells/base_2027q1_business_credit_cost:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_business_credit_cost:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_business_credit_cost:base/value | None | 189.79999999999998 |
| /operating_model/cells/base_2027q1_business_credit_ratio:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q1_business_credit_ratio:base/case | None | base |
| /operating_model/cells/base_2027q1_business_credit_ratio:base/id | None | base_2027q1_business_credit_ratio |
| /operating_model/cells/base_2027q1_business_credit_ratio:base/kind | None | assumption |
| /operating_model/cells/base_2027q1_business_credit_ratio:base/label | None | Business fair-value expense / revenue |
| /operating_model/cells/base_2027q1_business_credit_ratio:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_business_credit_ratio:base/unit | None | ratio |
| /operating_model/cells/base_2027q1_business_credit_ratio:base/value | None | 0.365 |
| /operating_model/cells/base_2027q1_business_revenue:base/basis | None | Activity calibration and revenue yield can vary independently; includes interest and contractual fees. |
| /operating_model/cells/base_2027q1_business_revenue:base/case | None | base |
| /operating_model/cells/base_2027q1_business_revenue:base/formula/op | None | multiply |
| /operating_model/cells/base_2027q1_business_revenue:base/formula/refs/0 | None | q2_business |
| /operating_model/cells/base_2027q1_business_revenue:base/formula/refs/1 | None | base_2027q1_business_activity |
| /operating_model/cells/base_2027q1_business_revenue:base/formula/refs/2 | None | base_2027q1_business_yield |
| /operating_model/cells/base_2027q1_business_revenue:base/id | None | base_2027q1_business_revenue |
| /operating_model/cells/base_2027q1_business_revenue:base/kind | None | derived |
| /operating_model/cells/base_2027q1_business_revenue:base/label | None | Business lending revenue |
| /operating_model/cells/base_2027q1_business_revenue:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_business_revenue:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_business_revenue:base/value | None | 520.0 |
| /operating_model/cells/base_2027q1_business_yield:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q1_business_yield:base/case | None | base |
| /operating_model/cells/base_2027q1_business_yield:base/id | None | base_2027q1_business_yield |
| /operating_model/cells/base_2027q1_business_yield:base/kind | None | assumption |
| /operating_model/cells/base_2027q1_business_yield:base/label | None | Business revenue yield versus Q2 |
| /operating_model/cells/base_2027q1_business_yield:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_business_yield:base/unit | None | ratio |
| /operating_model/cells/base_2027q1_business_yield:base/value | None | 1.0 |
| /operating_model/cells/base_2027q1_buybacks:base/basis | None | Desk capital allocation; H2 $100M below June $218M covenant availability. Later authorization and covenant capacity remain conditions. |
| /operating_model/cells/base_2027q1_buybacks:base/case | None | base |
| /operating_model/cells/base_2027q1_buybacks:base/id | None | base_2027q1_buybacks |
| /operating_model/cells/base_2027q1_buybacks:base/kind | None | assumption |
| /operating_model/cells/base_2027q1_buybacks:base/label | None | Share repurchases |
| /operating_model/cells/base_2027q1_buybacks:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_buybacks:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_buybacks:base/value | None | 35.0 |
| /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 | Cash fixed assets and software |
| /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 | 15.0 |
| /operating_model/cells/base_2027q1_cash_after_claims:base/basis | None | Before debt amortization, refinancing, fees and reserve transfers; not equity distributable cash. |
| /operating_model/cells/base_2027q1_cash_after_claims:base/case | None | base |
| /operating_model/cells/base_2027q1_cash_after_claims:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q1_cash_after_claims:base/formula/refs/0 | None | base_2027q1_cash_after_lending |
| /operating_model/cells/base_2027q1_cash_after_claims:base/formula/refs/1 | None | base_2027q1_buybacks |
| /operating_model/cells/base_2027q1_cash_after_claims:base/id | None | base_2027q1_cash_after_claims |
| /operating_model/cells/base_2027q1_cash_after_claims:base/kind | None | derived |
| /operating_model/cells/base_2027q1_cash_after_claims:base/label | None | Cash after lending and repurchases |
| /operating_model/cells/base_2027q1_cash_after_claims:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_cash_after_claims:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_cash_after_claims:base/value | None | -201.1450000000001 |
| /operating_model/cells/base_2027q1_cash_after_lending:base/basis | None | No new debt proceeds included. |
| /operating_model/cells/base_2027q1_cash_after_lending:base/case | None | base |
| /operating_model/cells/base_2027q1_cash_after_lending:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q1_cash_after_lending:base/formula/refs/0 | None | base_2027q1_cfo |
| /operating_model/cells/base_2027q1_cash_after_lending:base/formula/refs/1 | None | base_2027q1_cash_investment |
| /operating_model/cells/base_2027q1_cash_after_lending:base/id | None | base_2027q1_cash_after_lending |
| /operating_model/cells/base_2027q1_cash_after_lending:base/kind | None | derived |
| /operating_model/cells/base_2027q1_cash_after_lending:base/label | None | Cash after capex and loan investment |
| /operating_model/cells/base_2027q1_cash_after_lending:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_cash_after_lending:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_cash_after_lending:base/value | None | -166.1450000000001 |
| /operating_model/cells/base_2027q1_cash_investment:base/basis | None | Loan growth can consume more than reported CFO. |
| /operating_model/cells/base_2027q1_cash_investment:base/case | None | base |
| /operating_model/cells/base_2027q1_cash_investment:base/formula/op | None | sum |
| /operating_model/cells/base_2027q1_cash_investment:base/formula/refs/0 | None | base_2027q1_capex |
| /operating_model/cells/base_2027q1_cash_investment:base/formula/refs/1 | None | base_2027q1_loan_investment |
| /operating_model/cells/base_2027q1_cash_investment:base/id | None | base_2027q1_cash_investment |
| /operating_model/cells/base_2027q1_cash_investment:base/kind | None | derived |
| /operating_model/cells/base_2027q1_cash_investment:base/label | None | Cash capital and net loan investment |
| /operating_model/cells/base_2027q1_cash_investment:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_cash_investment:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_cash_investment:base/value | None | 715.0 |
| /operating_model/cells/base_2027q1_cash_originations:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q1_cash_originations:base/case | None | base |
| /operating_model/cells/base_2027q1_cash_originations:base/id | None | base_2027q1_cash_originations |
| /operating_model/cells/base_2027q1_cash_originations:base/kind | None | assumption |
| /operating_model/cells/base_2027q1_cash_originations:base/label | None | Cash loan originations |
| /operating_model/cells/base_2027q1_cash_originations:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_cash_originations:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_cash_originations:base/value | None | 2650.0 |
| /operating_model/cells/base_2027q1_cash_tax:base/basis | None | All configured pretax cases are positive; negative stress would require a cash-tax floor. |
| /operating_model/cells/base_2027q1_cash_tax:base/case | None | base |
| /operating_model/cells/base_2027q1_cash_tax:base/formula/op | None | multiply |
| /operating_model/cells/base_2027q1_cash_tax:base/formula/refs/0 | None | base_2027q1_pretax |
| /operating_model/cells/base_2027q1_cash_tax:base/formula/refs/1 | None | base_2027q1_cash_tax_rate |
| /operating_model/cells/base_2027q1_cash_tax:base/id | None | base_2027q1_cash_tax |
| /operating_model/cells/base_2027q1_cash_tax:base/kind | None | derived |
| /operating_model/cells/base_2027q1_cash_tax:base/label | None | Cash tax allowance |
| /operating_model/cells/base_2027q1_cash_tax:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_cash_tax:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_cash_tax:base/value | None | 37.01999999999998 |
| /operating_model/cells/base_2027q1_cash_tax_rate:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q1_cash_tax_rate:base/case | None | base |
| /operating_model/cells/base_2027q1_cash_tax_rate:base/id | None | base_2027q1_cash_tax_rate |
| /operating_model/cells/base_2027q1_cash_tax_rate:base/kind | None | assumption |
| /operating_model/cells/base_2027q1_cash_tax_rate:base/label | None | Cash taxes / modeled pretax income |
| /operating_model/cells/base_2027q1_cash_tax_rate:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_cash_tax_rate:base/unit | None | ratio |
| /operating_model/cells/base_2027q1_cash_tax_rate:base/value | None | 0.24 |
| /operating_model/cells/base_2027q1_cfo:base/basis | None | Analytical CFO proxy; credit losses affect earnings and principal collections, not an extra cash expense. |
| /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_noncash_bridge |
| /operating_model/cells/base_2027q1_cfo:base/formula/refs/1 | None | base_2027q1_operating_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 before loan investment |
| /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 | 548.8549999999999 |
| /operating_model/cells/base_2027q1_consumer_activity:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q1_consumer_activity:base/case | None | base |
| /operating_model/cells/base_2027q1_consumer_activity:base/id | None | base_2027q1_consumer_activity |
| /operating_model/cells/base_2027q1_consumer_activity:base/kind | None | assumption |
| /operating_model/cells/base_2027q1_consumer_activity:base/label | None | Consumer average earning activity / Q2 |
| /operating_model/cells/base_2027q1_consumer_activity:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_consumer_activity:base/unit | None | ratio |
| /operating_model/cells/base_2027q1_consumer_activity:base/value | None | 1.1625008640209125 |
| /operating_model/cells/base_2027q1_consumer_credit_cost:base/basis | None | Credit and valuation sensitivity, not a cohort charge-off forecast. |
| /operating_model/cells/base_2027q1_consumer_credit_cost:base/case | None | base |
| /operating_model/cells/base_2027q1_consumer_credit_cost:base/formula/op | None | multiply |
| /operating_model/cells/base_2027q1_consumer_credit_cost:base/formula/refs/0 | None | base_2027q1_consumer_revenue |
| /operating_model/cells/base_2027q1_consumer_credit_cost:base/formula/refs/1 | None | base_2027q1_consumer_credit_ratio |
| /operating_model/cells/base_2027q1_consumer_credit_cost:base/id | None | base_2027q1_consumer_credit_cost |
| /operating_model/cells/base_2027q1_consumer_credit_cost:base/kind | None | derived |
| /operating_model/cells/base_2027q1_consumer_credit_cost:base/label | None | Consumer fair-value expense |
| /operating_model/cells/base_2027q1_consumer_credit_cost:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_consumer_credit_cost:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_consumer_credit_cost:base/value | None | 241.425 |
| /operating_model/cells/base_2027q1_consumer_credit_ratio:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q1_consumer_credit_ratio:base/case | None | base |
| /operating_model/cells/base_2027q1_consumer_credit_ratio:base/id | None | base_2027q1_consumer_credit_ratio |
| /operating_model/cells/base_2027q1_consumer_credit_ratio:base/kind | None | assumption |
| /operating_model/cells/base_2027q1_consumer_credit_ratio:base/label | None | Consumer fair-value expense / revenue |
| /operating_model/cells/base_2027q1_consumer_credit_ratio:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_consumer_credit_ratio:base/unit | None | ratio |
| /operating_model/cells/base_2027q1_consumer_credit_ratio:base/value | None | 0.435 |
| /operating_model/cells/base_2027q1_consumer_revenue:base/basis | None | Activity calibration and revenue yield can vary independently; includes interest and contractual fees. |
| /operating_model/cells/base_2027q1_consumer_revenue:base/case | None | base |
| /operating_model/cells/base_2027q1_consumer_revenue:base/formula/op | None | multiply |
| /operating_model/cells/base_2027q1_consumer_revenue:base/formula/refs/0 | None | q2_consumer |
| /operating_model/cells/base_2027q1_consumer_revenue:base/formula/refs/1 | None | base_2027q1_consumer_activity |
| /operating_model/cells/base_2027q1_consumer_revenue:base/formula/refs/2 | None | base_2027q1_consumer_yield |
| /operating_model/cells/base_2027q1_consumer_revenue:base/id | None | base_2027q1_consumer_revenue |
| /operating_model/cells/base_2027q1_consumer_revenue:base/kind | None | derived |
| /operating_model/cells/base_2027q1_consumer_revenue:base/label | None | Consumer lending revenue |
| /operating_model/cells/base_2027q1_consumer_revenue:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_consumer_revenue:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_consumer_revenue:base/value | None | 555.0 |
| /operating_model/cells/base_2027q1_consumer_yield:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q1_consumer_yield:base/case | None | base |
| /operating_model/cells/base_2027q1_consumer_yield:base/id | None | base_2027q1_consumer_yield |
| /operating_model/cells/base_2027q1_consumer_yield:base/kind | None | assumption |
| /operating_model/cells/base_2027q1_consumer_yield:base/label | None | Consumer revenue yield versus Q2 |
| /operating_model/cells/base_2027q1_consumer_yield:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_consumer_yield:base/unit | None | ratio |
| /operating_model/cells/base_2027q1_consumer_yield:base/value | None | 1.0 |
| /operating_model/cells/base_2027q1_credit_cost:base/basis | None | No double counting of charge-offs below fair-value expense. |
| /operating_model/cells/base_2027q1_credit_cost:base/case | None | base |
| /operating_model/cells/base_2027q1_credit_cost:base/formula/op | None | sum |
| /operating_model/cells/base_2027q1_credit_cost:base/formula/refs/0 | None | base_2027q1_consumer_credit_cost |
| /operating_model/cells/base_2027q1_credit_cost:base/formula/refs/1 | None | base_2027q1_business_credit_cost |
| /operating_model/cells/base_2027q1_credit_cost:base/id | None | base_2027q1_credit_cost |
| /operating_model/cells/base_2027q1_credit_cost:base/kind | None | derived |
| /operating_model/cells/base_2027q1_credit_cost:base/label | None | Total fair-value expense |
| /operating_model/cells/base_2027q1_credit_cost:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_credit_cost:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_credit_cost:base/value | None | 431.225 |
| /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 | Depreciation and amortization |
| /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 | 9.6 |
| /operating_model/cells/base_2027q1_ga:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q1_ga:base/case | None | base |
| /operating_model/cells/base_2027q1_ga:base/id | None | base_2027q1_ga |
| /operating_model/cells/base_2027q1_ga:base/kind | None | assumption |
| /operating_model/cells/base_2027q1_ga:base/label | None | General and administrative |
| /operating_model/cells/base_2027q1_ga:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_ga:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_ga:base/value | None | 51.0 |
| /operating_model/cells/base_2027q1_interest:base/basis | None | Blended cost for corporate and funding debt; commitments are not treated as draws. |
| /operating_model/cells/base_2027q1_interest:base/case | None | base |
| /operating_model/cells/base_2027q1_interest:base/formula/op | None | multiply |
| /operating_model/cells/base_2027q1_interest:base/formula/refs/0 | None | base_2027q1_average_debt |
| /operating_model/cells/base_2027q1_interest:base/formula/refs/1 | None | base_2027q1_annual_interest_rate |
| /operating_model/cells/base_2027q1_interest:base/formula/refs/2 | None | base_2027q1_quarter_fraction |
| /operating_model/cells/base_2027q1_interest:base/id | None | base_2027q1_interest |
| /operating_model/cells/base_2027q1_interest:base/kind | None | derived |
| /operating_model/cells/base_2027q1_interest:base/label | None | Net funding and corporate interest |
| /operating_model/cells/base_2027q1_interest:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_interest:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_interest:base/value | None | 112.125 |
| /operating_model/cells/base_2027q1_loan_investment:base/basis | None | Excludes interest collections already in operating cash and noncash renewals. |
| /operating_model/cells/base_2027q1_loan_investment:base/case | None | base |
| /operating_model/cells/base_2027q1_loan_investment:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q1_loan_investment:base/formula/refs/0 | None | base_2027q1_cash_originations |
| /operating_model/cells/base_2027q1_loan_investment:base/formula/refs/1 | None | base_2027q1_principal_receipts |
| /operating_model/cells/base_2027q1_loan_investment:base/id | None | base_2027q1_loan_investment |
| /operating_model/cells/base_2027q1_loan_investment:base/kind | None | derived |
| /operating_model/cells/base_2027q1_loan_investment:base/label | None | Net cash loan investment |
| /operating_model/cells/base_2027q1_loan_investment:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_loan_investment:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_loan_investment:base/value | None | 700.0 |
| /operating_model/cells/base_2027q1_marketing:base/basis | None | Acquisition expense retained in earnings. |
| /operating_model/cells/base_2027q1_marketing:base/case | None | base |
| /operating_model/cells/base_2027q1_marketing:base/formula/op | None | multiply |
| /operating_model/cells/base_2027q1_marketing:base/formula/refs/0 | None | base_2027q1_revenue |
| /operating_model/cells/base_2027q1_marketing:base/formula/refs/1 | None | base_2027q1_marketing_ratio |
| /operating_model/cells/base_2027q1_marketing:base/id | None | base_2027q1_marketing |
| /operating_model/cells/base_2027q1_marketing:base/kind | None | derived |
| /operating_model/cells/base_2027q1_marketing:base/label | None | Marketing expense |
| /operating_model/cells/base_2027q1_marketing:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_marketing:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_marketing:base/value | None | 239.8 |
| /operating_model/cells/base_2027q1_marketing_ratio:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q1_marketing_ratio:base/case | None | base |
| /operating_model/cells/base_2027q1_marketing_ratio:base/id | None | base_2027q1_marketing_ratio |
| /operating_model/cells/base_2027q1_marketing_ratio:base/kind | None | assumption |
| /operating_model/cells/base_2027q1_marketing_ratio:base/label | None | Marketing / revenue |
| /operating_model/cells/base_2027q1_marketing_ratio:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_marketing_ratio:base/unit | None | ratio |
| /operating_model/cells/base_2027q1_marketing_ratio:base/value | None | 0.22 |
| /operating_model/cells/base_2027q1_net_revenue:base/basis | None | Financial-company net revenue, not industrial gross profit. |
| /operating_model/cells/base_2027q1_net_revenue:base/case | None | base |
| /operating_model/cells/base_2027q1_net_revenue:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q1_net_revenue:base/formula/refs/0 | None | base_2027q1_revenue |
| /operating_model/cells/base_2027q1_net_revenue:base/formula/refs/1 | None | base_2027q1_credit_cost |
| /operating_model/cells/base_2027q1_net_revenue:base/id | None | base_2027q1_net_revenue |
| /operating_model/cells/base_2027q1_net_revenue:base/kind | None | derived |
| /operating_model/cells/base_2027q1_net_revenue:base/label | None | Revenue after fair-value expense |
| /operating_model/cells/base_2027q1_net_revenue:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_net_revenue:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_net_revenue:base/value | None | 658.775 |
| /operating_model/cells/base_2027q1_noncash_bridge:base/basis | None | Fair-value expense assumed noncash here; loan receipts are modeled separately. |
| /operating_model/cells/base_2027q1_noncash_bridge:base/case | None | base |
| /operating_model/cells/base_2027q1_noncash_bridge:base/formula/op | None | sum |
| /operating_model/cells/base_2027q1_noncash_bridge:base/formula/refs/0 | None | base_2027q1_pretax |
| /operating_model/cells/base_2027q1_noncash_bridge:base/formula/refs/1 | None | base_2027q1_credit_cost |
| /operating_model/cells/base_2027q1_noncash_bridge:base/formula/refs/2 | None | base_2027q1_da |
| /operating_model/cells/base_2027q1_noncash_bridge:base/formula/refs/3 | None | base_2027q1_sbc |
| /operating_model/cells/base_2027q1_noncash_bridge:base/id | None | base_2027q1_noncash_bridge |
| /operating_model/cells/base_2027q1_noncash_bridge:base/kind | None | derived |
| /operating_model/cells/base_2027q1_noncash_bridge:base/label | None | Pretax earnings plus noncash expenses |
| /operating_model/cells/base_2027q1_noncash_bridge:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_noncash_bridge:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_noncash_bridge:base/value | None | 604.8749999999999 |
| /operating_model/cells/base_2027q1_operating_cash_uses:base/basis | None | Covers fee amortization, tax timing and other operating balances, not cash loan originations. |
| /operating_model/cells/base_2027q1_operating_cash_uses:base/case | None | base |
| /operating_model/cells/base_2027q1_operating_cash_uses:base/formula/op | None | sum |
| /operating_model/cells/base_2027q1_operating_cash_uses:base/formula/refs/0 | None | base_2027q1_cash_tax |
| /operating_model/cells/base_2027q1_operating_cash_uses:base/formula/refs/1 | None | base_2027q1_working_capital_use |
| /operating_model/cells/base_2027q1_operating_cash_uses:base/id | None | base_2027q1_operating_cash_uses |
| /operating_model/cells/base_2027q1_operating_cash_uses:base/kind | None | derived |
| /operating_model/cells/base_2027q1_operating_cash_uses:base/label | None | Cash tax and other operating timing |
| /operating_model/cells/base_2027q1_operating_cash_uses:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_operating_cash_uses:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_operating_cash_uses:base/value | None | 56.01999999999998 |
| /operating_model/cells/base_2027q1_operating_income:base/basis | None | No Grasshopper synergies or one-time transaction recovery assumed. |
| /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_net_revenue |
| /operating_model/cells/base_2027q1_operating_income:base/formula/refs/1 | None | base_2027q1_opex |
| /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 | GAAP 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 | 266.37499999999994 |
| /operating_model/cells/base_2027q1_operations:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q1_operations:base/case | None | base |
| /operating_model/cells/base_2027q1_operations:base/id | None | base_2027q1_operations |
| /operating_model/cells/base_2027q1_operations:base/kind | None | assumption |
| /operating_model/cells/base_2027q1_operations:base/label | None | Operations and technology |
| /operating_model/cells/base_2027q1_operations:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_operations:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_operations:base/value | None | 92.0 |
| /operating_model/cells/base_2027q1_opex:base/basis | None | SBC is already within departmental expense; add back only in cash bridge. |
| /operating_model/cells/base_2027q1_opex:base/case | None | base |
| /operating_model/cells/base_2027q1_opex:base/formula/op | None | sum |
| /operating_model/cells/base_2027q1_opex:base/formula/refs/0 | None | base_2027q1_marketing |
| /operating_model/cells/base_2027q1_opex:base/formula/refs/1 | None | base_2027q1_operations |
| /operating_model/cells/base_2027q1_opex:base/formula/refs/2 | None | base_2027q1_ga |
| /operating_model/cells/base_2027q1_opex:base/formula/refs/3 | None | base_2027q1_da |
| /operating_model/cells/base_2027q1_opex:base/id | None | base_2027q1_opex |
| /operating_model/cells/base_2027q1_opex:base/kind | None | derived |
| /operating_model/cells/base_2027q1_opex:base/label | None | Operating expense |
| /operating_model/cells/base_2027q1_opex:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_opex:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_opex:base/value | None | 392.40000000000003 |
| /operating_model/cells/base_2027q1_other_revenue:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q1_other_revenue:base/case | None | base |
| /operating_model/cells/base_2027q1_other_revenue:base/id | None | base_2027q1_other_revenue |
| /operating_model/cells/base_2027q1_other_revenue:base/kind | None | assumption |
| /operating_model/cells/base_2027q1_other_revenue:base/label | None | Other revenue |
| /operating_model/cells/base_2027q1_other_revenue:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_other_revenue:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_other_revenue:base/value | None | 15.0 |
| /operating_model/cells/base_2027q1_pretax:base/basis | None | No speculative nonoperating gains. |
| /operating_model/cells/base_2027q1_pretax:base/case | None | base |
| /operating_model/cells/base_2027q1_pretax:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q1_pretax:base/formula/refs/0 | None | base_2027q1_operating_income |
| /operating_model/cells/base_2027q1_pretax:base/formula/refs/1 | None | base_2027q1_interest |
| /operating_model/cells/base_2027q1_pretax:base/id | None | base_2027q1_pretax |
| /operating_model/cells/base_2027q1_pretax:base/kind | None | derived |
| /operating_model/cells/base_2027q1_pretax:base/label | None | Pretax earnings proxy |
| /operating_model/cells/base_2027q1_pretax:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_pretax:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_pretax:base/value | None | 154.24999999999994 |
| /operating_model/cells/base_2027q1_principal_receipts:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q1_principal_receipts:base/case | None | base |
| /operating_model/cells/base_2027q1_principal_receipts:base/id | None | base_2027q1_principal_receipts |
| /operating_model/cells/base_2027q1_principal_receipts:base/kind | None | assumption |
| /operating_model/cells/base_2027q1_principal_receipts:base/label | None | Cash principal collections |
| /operating_model/cells/base_2027q1_principal_receipts:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_principal_receipts:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_principal_receipts:base/value | None | 1950.0 |
| /operating_model/cells/base_2027q1_quarter_fraction:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q1_quarter_fraction:base/case | None | base |
| /operating_model/cells/base_2027q1_quarter_fraction:base/id | None | base_2027q1_quarter_fraction |
| /operating_model/cells/base_2027q1_quarter_fraction:base/kind | None | assumption |
| /operating_model/cells/base_2027q1_quarter_fraction:base/label | None | Quarter of annual rate |
| /operating_model/cells/base_2027q1_quarter_fraction:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_quarter_fraction:base/unit | None | ratio |
| /operating_model/cells/base_2027q1_quarter_fraction:base/value | None | 0.25 |
| /operating_model/cells/base_2027q1_revenue:base/basis | None | No bank acquisition contribution. |
| /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_consumer_revenue |
| /operating_model/cells/base_2027q1_revenue:base/formula/refs/1 | None | base_2027q1_business_revenue |
| /operating_model/cells/base_2027q1_revenue:base/formula/refs/2 | None | base_2027q1_other_revenue |
| /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 | Total 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 | 1090.0 |
| /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 | SBC expense |
| /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 | 9.8 |
| /operating_model/cells/base_2027q1_working_capital_use:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q1_working_capital_use:base/case | None | base |
| /operating_model/cells/base_2027q1_working_capital_use:base/id | None | base_2027q1_working_capital_use |
| /operating_model/cells/base_2027q1_working_capital_use:base/kind | None | assumption |
| /operating_model/cells/base_2027q1_working_capital_use:base/label | None | Net other cash use |
| /operating_model/cells/base_2027q1_working_capital_use:base/period | None | 2027Q1 |
| /operating_model/cells/base_2027q1_working_capital_use:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q1_working_capital_use:base/value | None | 19.0 |
| /operating_model/cells/base_2027q2_annual_interest_rate:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q2_annual_interest_rate:base/case | None | base |
| /operating_model/cells/base_2027q2_annual_interest_rate:base/id | None | base_2027q2_annual_interest_rate |
| /operating_model/cells/base_2027q2_annual_interest_rate:base/kind | None | assumption |
| /operating_model/cells/base_2027q2_annual_interest_rate:base/label | None | Net annual debt cost including fees |
| /operating_model/cells/base_2027q2_annual_interest_rate:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_annual_interest_rate:base/unit | None | ratio |
| /operating_model/cells/base_2027q2_annual_interest_rate:base/value | None | 0.078 |
| /operating_model/cells/base_2027q2_average_debt:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q2_average_debt:base/case | None | base |
| /operating_model/cells/base_2027q2_average_debt:base/id | None | base_2027q2_average_debt |
| /operating_model/cells/base_2027q2_average_debt:base/kind | None | assumption |
| /operating_model/cells/base_2027q2_average_debt:base/label | None | Average funded debt |
| /operating_model/cells/base_2027q2_average_debt:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_average_debt:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_average_debt:base/value | None | 6000.0 |
| /operating_model/cells/base_2027q2_business_activity:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q2_business_activity:base/case | None | base |
| /operating_model/cells/base_2027q2_business_activity:base/id | None | base_2027q2_business_activity |
| /operating_model/cells/base_2027q2_business_activity:base/kind | None | assumption |
| /operating_model/cells/base_2027q2_business_activity:base/label | None | Business average earning activity / Q2 |
| /operating_model/cells/base_2027q2_business_activity:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_business_activity:base/unit | None | ratio |
| /operating_model/cells/base_2027q2_business_activity:base/value | None | 1.249800805882487 |
| /operating_model/cells/base_2027q2_business_credit_cost:base/basis | None | Credit and valuation sensitivity, not a cohort charge-off forecast. |
| /operating_model/cells/base_2027q2_business_credit_cost:base/case | None | base |
| /operating_model/cells/base_2027q2_business_credit_cost:base/formula/op | None | multiply |
| /operating_model/cells/base_2027q2_business_credit_cost:base/formula/refs/0 | None | base_2027q2_business_revenue |
| /operating_model/cells/base_2027q2_business_credit_cost:base/formula/refs/1 | None | base_2027q2_business_credit_ratio |
| /operating_model/cells/base_2027q2_business_credit_cost:base/id | None | base_2027q2_business_credit_cost |
| /operating_model/cells/base_2027q2_business_credit_cost:base/kind | None | derived |
| /operating_model/cells/base_2027q2_business_credit_cost:base/label | None | Business fair-value expense |
| /operating_model/cells/base_2027q2_business_credit_cost:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_business_credit_cost:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_business_credit_cost:base/value | None | 200.385 |
| /operating_model/cells/base_2027q2_business_credit_ratio:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q2_business_credit_ratio:base/case | None | base |
| /operating_model/cells/base_2027q2_business_credit_ratio:base/id | None | base_2027q2_business_credit_ratio |
| /operating_model/cells/base_2027q2_business_credit_ratio:base/kind | None | assumption |
| /operating_model/cells/base_2027q2_business_credit_ratio:base/label | None | Business fair-value expense / revenue |
| /operating_model/cells/base_2027q2_business_credit_ratio:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_business_credit_ratio:base/unit | None | ratio |
| /operating_model/cells/base_2027q2_business_credit_ratio:base/value | None | 0.365 |
| /operating_model/cells/base_2027q2_business_revenue:base/basis | None | Activity calibration and revenue yield can vary independently; includes interest and contractual fees. |
| /operating_model/cells/base_2027q2_business_revenue:base/case | None | base |
| /operating_model/cells/base_2027q2_business_revenue:base/formula/op | None | multiply |
| /operating_model/cells/base_2027q2_business_revenue:base/formula/refs/0 | None | q2_business |
| /operating_model/cells/base_2027q2_business_revenue:base/formula/refs/1 | None | base_2027q2_business_activity |
| /operating_model/cells/base_2027q2_business_revenue:base/formula/refs/2 | None | base_2027q2_business_yield |
| /operating_model/cells/base_2027q2_business_revenue:base/id | None | base_2027q2_business_revenue |
| /operating_model/cells/base_2027q2_business_revenue:base/kind | None | derived |
| /operating_model/cells/base_2027q2_business_revenue:base/label | None | Business lending revenue |
| /operating_model/cells/base_2027q2_business_revenue:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_business_revenue:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_business_revenue:base/value | None | 549.0 |
| /operating_model/cells/base_2027q2_business_yield:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q2_business_yield:base/case | None | base |
| /operating_model/cells/base_2027q2_business_yield:base/id | None | base_2027q2_business_yield |
| /operating_model/cells/base_2027q2_business_yield:base/kind | None | assumption |
| /operating_model/cells/base_2027q2_business_yield:base/label | None | Business revenue yield versus Q2 |
| /operating_model/cells/base_2027q2_business_yield:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_business_yield:base/unit | None | ratio |
| /operating_model/cells/base_2027q2_business_yield:base/value | None | 1.0 |
| /operating_model/cells/base_2027q2_buybacks:base/basis | None | Desk capital allocation; H2 $100M below June $218M covenant availability. Later authorization and covenant capacity remain conditions. |
| /operating_model/cells/base_2027q2_buybacks:base/case | None | base |
| /operating_model/cells/base_2027q2_buybacks:base/id | None | base_2027q2_buybacks |
| /operating_model/cells/base_2027q2_buybacks:base/kind | None | assumption |
| /operating_model/cells/base_2027q2_buybacks:base/label | None | Share repurchases |
| /operating_model/cells/base_2027q2_buybacks:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_buybacks:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_buybacks:base/value | None | 35.0 |
| /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 | Cash fixed assets and software |
| /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 | 16.0 |
| /operating_model/cells/base_2027q2_cash_after_claims:base/basis | None | Before debt amortization, refinancing, fees and reserve transfers; not equity distributable cash. |
| /operating_model/cells/base_2027q2_cash_after_claims:base/case | None | base |
| /operating_model/cells/base_2027q2_cash_after_claims:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q2_cash_after_claims:base/formula/refs/0 | None | base_2027q2_cash_after_lending |
| /operating_model/cells/base_2027q2_cash_after_claims:base/formula/refs/1 | None | base_2027q2_buybacks |
| /operating_model/cells/base_2027q2_cash_after_claims:base/id | None | base_2027q2_cash_after_claims |
| /operating_model/cells/base_2027q2_cash_after_claims:base/kind | None | derived |
| /operating_model/cells/base_2027q2_cash_after_claims:base/label | None | Cash after lending and repurchases |
| /operating_model/cells/base_2027q2_cash_after_claims:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_cash_after_claims:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_cash_after_claims:base/value | None | -224.94359999999995 |
| /operating_model/cells/base_2027q2_cash_after_lending:base/basis | None | No new debt proceeds included. |
| /operating_model/cells/base_2027q2_cash_after_lending:base/case | None | base |
| /operating_model/cells/base_2027q2_cash_after_lending:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q2_cash_after_lending:base/formula/refs/0 | None | base_2027q2_cfo |
| /operating_model/cells/base_2027q2_cash_after_lending:base/formula/refs/1 | None | base_2027q2_cash_investment |
| /operating_model/cells/base_2027q2_cash_after_lending:base/id | None | base_2027q2_cash_after_lending |
| /operating_model/cells/base_2027q2_cash_after_lending:base/kind | None | derived |
| /operating_model/cells/base_2027q2_cash_after_lending:base/label | None | Cash after capex and loan investment |
| /operating_model/cells/base_2027q2_cash_after_lending:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_cash_after_lending:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_cash_after_lending:base/value | None | -189.94359999999995 |
| /operating_model/cells/base_2027q2_cash_investment:base/basis | None | Loan growth can consume more than reported CFO. |
| /operating_model/cells/base_2027q2_cash_investment:base/case | None | base |
| /operating_model/cells/base_2027q2_cash_investment:base/formula/op | None | sum |
| /operating_model/cells/base_2027q2_cash_investment:base/formula/refs/0 | None | base_2027q2_capex |
| /operating_model/cells/base_2027q2_cash_investment:base/formula/refs/1 | None | base_2027q2_loan_investment |
| /operating_model/cells/base_2027q2_cash_investment:base/id | None | base_2027q2_cash_investment |
| /operating_model/cells/base_2027q2_cash_investment:base/kind | None | derived |
| /operating_model/cells/base_2027q2_cash_investment:base/label | None | Cash capital and net loan investment |
| /operating_model/cells/base_2027q2_cash_investment:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_cash_investment:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_cash_investment:base/value | None | 766.0 |
| /operating_model/cells/base_2027q2_cash_originations:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q2_cash_originations:base/case | None | base |
| /operating_model/cells/base_2027q2_cash_originations:base/id | None | base_2027q2_cash_originations |
| /operating_model/cells/base_2027q2_cash_originations:base/kind | None | assumption |
| /operating_model/cells/base_2027q2_cash_originations:base/label | None | Cash loan originations |
| /operating_model/cells/base_2027q2_cash_originations:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_cash_originations:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_cash_originations:base/value | None | 2850.0 |
| /operating_model/cells/base_2027q2_cash_tax:base/basis | None | All configured pretax cases are positive; negative stress would require a cash-tax floor. |
| /operating_model/cells/base_2027q2_cash_tax:base/case | None | base |
| /operating_model/cells/base_2027q2_cash_tax:base/formula/op | None | multiply |
| /operating_model/cells/base_2027q2_cash_tax:base/formula/refs/0 | None | base_2027q2_pretax |
| /operating_model/cells/base_2027q2_cash_tax:base/formula/refs/1 | None | base_2027q2_cash_tax_rate |
| /operating_model/cells/base_2027q2_cash_tax:base/id | None | base_2027q2_cash_tax |
| /operating_model/cells/base_2027q2_cash_tax:base/kind | None | derived |
| /operating_model/cells/base_2027q2_cash_tax:base/label | None | Cash tax allowance |
| /operating_model/cells/base_2027q2_cash_tax:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_cash_tax:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_cash_tax:base/value | None | 39.24360000000002 |
| /operating_model/cells/base_2027q2_cash_tax_rate:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q2_cash_tax_rate:base/case | None | base |
| /operating_model/cells/base_2027q2_cash_tax_rate:base/id | None | base_2027q2_cash_tax_rate |
| /operating_model/cells/base_2027q2_cash_tax_rate:base/kind | None | assumption |
| /operating_model/cells/base_2027q2_cash_tax_rate:base/label | None | Cash taxes / modeled pretax income |
| /operating_model/cells/base_2027q2_cash_tax_rate:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_cash_tax_rate:base/unit | None | ratio |
| /operating_model/cells/base_2027q2_cash_tax_rate:base/value | None | 0.24 |
| /operating_model/cells/base_2027q2_cfo:base/basis | None | Analytical CFO proxy; credit losses affect earnings and principal collections, not an extra cash expense. |
| /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_noncash_bridge |
| /operating_model/cells/base_2027q2_cfo:base/formula/refs/1 | None | base_2027q2_operating_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 before loan investment |
| /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 | 576.0564 |
| /operating_model/cells/base_2027q2_consumer_activity:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q2_consumer_activity:base/case | None | base |
| /operating_model/cells/base_2027q2_consumer_activity:base/id | None | base_2027q2_consumer_activity |
| /operating_model/cells/base_2027q2_consumer_activity:base/kind | None | assumption |
| /operating_model/cells/base_2027q2_consumer_activity:base/label | None | Consumer average earning activity / Q2 |
| /operating_model/cells/base_2027q2_consumer_activity:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_consumer_activity:base/unit | None | ratio |
| /operating_model/cells/base_2027q2_consumer_activity:base/value | None | 1.2148657678056383 |
| /operating_model/cells/base_2027q2_consumer_credit_cost:base/basis | None | Credit and valuation sensitivity, not a cohort charge-off forecast. |
| /operating_model/cells/base_2027q2_consumer_credit_cost:base/case | None | base |
| /operating_model/cells/base_2027q2_consumer_credit_cost:base/formula/op | None | multiply |
| /operating_model/cells/base_2027q2_consumer_credit_cost:base/formula/refs/0 | None | base_2027q2_consumer_revenue |
| /operating_model/cells/base_2027q2_consumer_credit_cost:base/formula/refs/1 | None | base_2027q2_consumer_credit_ratio |
| /operating_model/cells/base_2027q2_consumer_credit_cost:base/id | None | base_2027q2_consumer_credit_cost |
| /operating_model/cells/base_2027q2_consumer_credit_cost:base/kind | None | derived |
| /operating_model/cells/base_2027q2_consumer_credit_cost:base/label | None | Consumer fair-value expense |
| /operating_model/cells/base_2027q2_consumer_credit_cost:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_consumer_credit_cost:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_consumer_credit_cost:base/value | None | 252.3 |
| /operating_model/cells/base_2027q2_consumer_credit_ratio:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q2_consumer_credit_ratio:base/case | None | base |
| /operating_model/cells/base_2027q2_consumer_credit_ratio:base/id | None | base_2027q2_consumer_credit_ratio |
| /operating_model/cells/base_2027q2_consumer_credit_ratio:base/kind | None | assumption |
| /operating_model/cells/base_2027q2_consumer_credit_ratio:base/label | None | Consumer fair-value expense / revenue |
| /operating_model/cells/base_2027q2_consumer_credit_ratio:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_consumer_credit_ratio:base/unit | None | ratio |
| /operating_model/cells/base_2027q2_consumer_credit_ratio:base/value | None | 0.435 |
| /operating_model/cells/base_2027q2_consumer_revenue:base/basis | None | Activity calibration and revenue yield can vary independently; includes interest and contractual fees. |
| /operating_model/cells/base_2027q2_consumer_revenue:base/case | None | base |
| /operating_model/cells/base_2027q2_consumer_revenue:base/formula/op | None | multiply |
| /operating_model/cells/base_2027q2_consumer_revenue:base/formula/refs/0 | None | q2_consumer |
| /operating_model/cells/base_2027q2_consumer_revenue:base/formula/refs/1 | None | base_2027q2_consumer_activity |
| /operating_model/cells/base_2027q2_consumer_revenue:base/formula/refs/2 | None | base_2027q2_consumer_yield |
| /operating_model/cells/base_2027q2_consumer_revenue:base/id | None | base_2027q2_consumer_revenue |
| /operating_model/cells/base_2027q2_consumer_revenue:base/kind | None | derived |
| /operating_model/cells/base_2027q2_consumer_revenue:base/label | None | Consumer lending revenue |
| /operating_model/cells/base_2027q2_consumer_revenue:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_consumer_revenue:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_consumer_revenue:base/value | None | 580.0 |
| /operating_model/cells/base_2027q2_consumer_yield:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q2_consumer_yield:base/case | None | base |
| /operating_model/cells/base_2027q2_consumer_yield:base/id | None | base_2027q2_consumer_yield |
| /operating_model/cells/base_2027q2_consumer_yield:base/kind | None | assumption |
| /operating_model/cells/base_2027q2_consumer_yield:base/label | None | Consumer revenue yield versus Q2 |
| /operating_model/cells/base_2027q2_consumer_yield:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_consumer_yield:base/unit | None | ratio |
| /operating_model/cells/base_2027q2_consumer_yield:base/value | None | 1.0 |
| /operating_model/cells/base_2027q2_credit_cost:base/basis | None | No double counting of charge-offs below fair-value expense. |
| /operating_model/cells/base_2027q2_credit_cost:base/case | None | base |
| /operating_model/cells/base_2027q2_credit_cost:base/formula/op | None | sum |
| /operating_model/cells/base_2027q2_credit_cost:base/formula/refs/0 | None | base_2027q2_consumer_credit_cost |
| /operating_model/cells/base_2027q2_credit_cost:base/formula/refs/1 | None | base_2027q2_business_credit_cost |
| /operating_model/cells/base_2027q2_credit_cost:base/id | None | base_2027q2_credit_cost |
| /operating_model/cells/base_2027q2_credit_cost:base/kind | None | derived |
| /operating_model/cells/base_2027q2_credit_cost:base/label | None | Total fair-value expense |
| /operating_model/cells/base_2027q2_credit_cost:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_credit_cost:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_credit_cost:base/value | None | 452.685 |
| /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 | Depreciation and amortization |
| /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 | 9.9 |
| /operating_model/cells/base_2027q2_ga:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q2_ga:base/case | None | base |
| /operating_model/cells/base_2027q2_ga:base/id | None | base_2027q2_ga |
| /operating_model/cells/base_2027q2_ga:base/kind | None | assumption |
| /operating_model/cells/base_2027q2_ga:base/label | None | General and administrative |
| /operating_model/cells/base_2027q2_ga:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_ga:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_ga:base/value | None | 53.0 |
| /operating_model/cells/base_2027q2_interest:base/basis | None | Blended cost for corporate and funding debt; commitments are not treated as draws. |
| /operating_model/cells/base_2027q2_interest:base/case | None | base |
| /operating_model/cells/base_2027q2_interest:base/formula/op | None | multiply |
| /operating_model/cells/base_2027q2_interest:base/formula/refs/0 | None | base_2027q2_average_debt |
| /operating_model/cells/base_2027q2_interest:base/formula/refs/1 | None | base_2027q2_annual_interest_rate |
| /operating_model/cells/base_2027q2_interest:base/formula/refs/2 | None | base_2027q2_quarter_fraction |
| /operating_model/cells/base_2027q2_interest:base/id | None | base_2027q2_interest |
| /operating_model/cells/base_2027q2_interest:base/kind | None | derived |
| /operating_model/cells/base_2027q2_interest:base/label | None | Net funding and corporate interest |
| /operating_model/cells/base_2027q2_interest:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_interest:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_interest:base/value | None | 117.0 |
| /operating_model/cells/base_2027q2_loan_investment:base/basis | None | Excludes interest collections already in operating cash and noncash renewals. |
| /operating_model/cells/base_2027q2_loan_investment:base/case | None | base |
| /operating_model/cells/base_2027q2_loan_investment:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q2_loan_investment:base/formula/refs/0 | None | base_2027q2_cash_originations |
| /operating_model/cells/base_2027q2_loan_investment:base/formula/refs/1 | None | base_2027q2_principal_receipts |
| /operating_model/cells/base_2027q2_loan_investment:base/id | None | base_2027q2_loan_investment |
| /operating_model/cells/base_2027q2_loan_investment:base/kind | None | derived |
| /operating_model/cells/base_2027q2_loan_investment:base/label | None | Net cash loan investment |
| /operating_model/cells/base_2027q2_loan_investment:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_loan_investment:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_loan_investment:base/value | None | 750.0 |
| /operating_model/cells/base_2027q2_marketing:base/basis | None | Acquisition expense retained in earnings. |
| /operating_model/cells/base_2027q2_marketing:base/case | None | base |
| /operating_model/cells/base_2027q2_marketing:base/formula/op | None | multiply |
| /operating_model/cells/base_2027q2_marketing:base/formula/refs/0 | None | base_2027q2_revenue |
| /operating_model/cells/base_2027q2_marketing:base/formula/refs/1 | None | base_2027q2_marketing_ratio |
| /operating_model/cells/base_2027q2_marketing:base/id | None | base_2027q2_marketing |
| /operating_model/cells/base_2027q2_marketing:base/kind | None | derived |
| /operating_model/cells/base_2027q2_marketing:base/label | None | Marketing expense |
| /operating_model/cells/base_2027q2_marketing:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_marketing:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_marketing:base/value | None | 251.9 |
| /operating_model/cells/base_2027q2_marketing_ratio:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q2_marketing_ratio:base/case | None | base |
| /operating_model/cells/base_2027q2_marketing_ratio:base/id | None | base_2027q2_marketing_ratio |
| /operating_model/cells/base_2027q2_marketing_ratio:base/kind | None | assumption |
| /operating_model/cells/base_2027q2_marketing_ratio:base/label | None | Marketing / revenue |
| /operating_model/cells/base_2027q2_marketing_ratio:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_marketing_ratio:base/unit | None | ratio |
| /operating_model/cells/base_2027q2_marketing_ratio:base/value | None | 0.22 |
| /operating_model/cells/base_2027q2_net_revenue:base/basis | None | Financial-company net revenue, not industrial gross profit. |
| /operating_model/cells/base_2027q2_net_revenue:base/case | None | base |
| /operating_model/cells/base_2027q2_net_revenue:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q2_net_revenue:base/formula/refs/0 | None | base_2027q2_revenue |
| /operating_model/cells/base_2027q2_net_revenue:base/formula/refs/1 | None | base_2027q2_credit_cost |
| /operating_model/cells/base_2027q2_net_revenue:base/id | None | base_2027q2_net_revenue |
| /operating_model/cells/base_2027q2_net_revenue:base/kind | None | derived |
| /operating_model/cells/base_2027q2_net_revenue:base/label | None | Revenue after fair-value expense |
| /operating_model/cells/base_2027q2_net_revenue:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_net_revenue:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_net_revenue:base/value | None | 692.315 |
| /operating_model/cells/base_2027q2_noncash_bridge:base/basis | None | Fair-value expense assumed noncash here; loan receipts are modeled separately. |
| /operating_model/cells/base_2027q2_noncash_bridge:base/case | None | base |
| /operating_model/cells/base_2027q2_noncash_bridge:base/formula/op | None | sum |
| /operating_model/cells/base_2027q2_noncash_bridge:base/formula/refs/0 | None | base_2027q2_pretax |
| /operating_model/cells/base_2027q2_noncash_bridge:base/formula/refs/1 | None | base_2027q2_credit_cost |
| /operating_model/cells/base_2027q2_noncash_bridge:base/formula/refs/2 | None | base_2027q2_da |
| /operating_model/cells/base_2027q2_noncash_bridge:base/formula/refs/3 | None | base_2027q2_sbc |
| /operating_model/cells/base_2027q2_noncash_bridge:base/id | None | base_2027q2_noncash_bridge |
| /operating_model/cells/base_2027q2_noncash_bridge:base/kind | None | derived |
| /operating_model/cells/base_2027q2_noncash_bridge:base/label | None | Pretax earnings plus noncash expenses |
| /operating_model/cells/base_2027q2_noncash_bridge:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_noncash_bridge:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_noncash_bridge:base/value | None | 636.3000000000001 |
| /operating_model/cells/base_2027q2_operating_cash_uses:base/basis | None | Covers fee amortization, tax timing and other operating balances, not cash loan originations. |
| /operating_model/cells/base_2027q2_operating_cash_uses:base/case | None | base |
| /operating_model/cells/base_2027q2_operating_cash_uses:base/formula/op | None | sum |
| /operating_model/cells/base_2027q2_operating_cash_uses:base/formula/refs/0 | None | base_2027q2_cash_tax |
| /operating_model/cells/base_2027q2_operating_cash_uses:base/formula/refs/1 | None | base_2027q2_working_capital_use |
| /operating_model/cells/base_2027q2_operating_cash_uses:base/id | None | base_2027q2_operating_cash_uses |
| /operating_model/cells/base_2027q2_operating_cash_uses:base/kind | None | derived |
| /operating_model/cells/base_2027q2_operating_cash_uses:base/label | None | Cash tax and other operating timing |
| /operating_model/cells/base_2027q2_operating_cash_uses:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_operating_cash_uses:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_operating_cash_uses:base/value | None | 60.24360000000002 |
| /operating_model/cells/base_2027q2_operating_income:base/basis | None | No Grasshopper synergies or one-time transaction recovery assumed. |
| /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_net_revenue |
| /operating_model/cells/base_2027q2_operating_income:base/formula/refs/1 | None | base_2027q2_opex |
| /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 | GAAP 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 | 280.5150000000001 |
| /operating_model/cells/base_2027q2_operations:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q2_operations:base/case | None | base |
| /operating_model/cells/base_2027q2_operations:base/id | None | base_2027q2_operations |
| /operating_model/cells/base_2027q2_operations:base/kind | None | assumption |
| /operating_model/cells/base_2027q2_operations:base/label | None | Operations and technology |
| /operating_model/cells/base_2027q2_operations:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_operations:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_operations:base/value | None | 97.0 |
| /operating_model/cells/base_2027q2_opex:base/basis | None | SBC is already within departmental expense; add back only in cash bridge. |
| /operating_model/cells/base_2027q2_opex:base/case | None | base |
| /operating_model/cells/base_2027q2_opex:base/formula/op | None | sum |
| /operating_model/cells/base_2027q2_opex:base/formula/refs/0 | None | base_2027q2_marketing |
| /operating_model/cells/base_2027q2_opex:base/formula/refs/1 | None | base_2027q2_operations |
| /operating_model/cells/base_2027q2_opex:base/formula/refs/2 | None | base_2027q2_ga |
| /operating_model/cells/base_2027q2_opex:base/formula/refs/3 | None | base_2027q2_da |
| /operating_model/cells/base_2027q2_opex:base/id | None | base_2027q2_opex |
| /operating_model/cells/base_2027q2_opex:base/kind | None | derived |
| /operating_model/cells/base_2027q2_opex:base/label | None | Operating expense |
| /operating_model/cells/base_2027q2_opex:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_opex:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_opex:base/value | None | 411.79999999999995 |
| /operating_model/cells/base_2027q2_other_revenue:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q2_other_revenue:base/case | None | base |
| /operating_model/cells/base_2027q2_other_revenue:base/id | None | base_2027q2_other_revenue |
| /operating_model/cells/base_2027q2_other_revenue:base/kind | None | assumption |
| /operating_model/cells/base_2027q2_other_revenue:base/label | None | Other revenue |
| /operating_model/cells/base_2027q2_other_revenue:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_other_revenue:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_other_revenue:base/value | None | 16.0 |
| /operating_model/cells/base_2027q2_pretax:base/basis | None | No speculative nonoperating gains. |
| /operating_model/cells/base_2027q2_pretax:base/case | None | base |
| /operating_model/cells/base_2027q2_pretax:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q2_pretax:base/formula/refs/0 | None | base_2027q2_operating_income |
| /operating_model/cells/base_2027q2_pretax:base/formula/refs/1 | None | base_2027q2_interest |
| /operating_model/cells/base_2027q2_pretax:base/id | None | base_2027q2_pretax |
| /operating_model/cells/base_2027q2_pretax:base/kind | None | derived |
| /operating_model/cells/base_2027q2_pretax:base/label | None | Pretax earnings proxy |
| /operating_model/cells/base_2027q2_pretax:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_pretax:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_pretax:base/value | None | 163.5150000000001 |
| /operating_model/cells/base_2027q2_principal_receipts:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q2_principal_receipts:base/case | None | base |
| /operating_model/cells/base_2027q2_principal_receipts:base/id | None | base_2027q2_principal_receipts |
| /operating_model/cells/base_2027q2_principal_receipts:base/kind | None | assumption |
| /operating_model/cells/base_2027q2_principal_receipts:base/label | None | Cash principal collections |
| /operating_model/cells/base_2027q2_principal_receipts:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_principal_receipts:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_principal_receipts:base/value | None | 2100.0 |
| /operating_model/cells/base_2027q2_quarter_fraction:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q2_quarter_fraction:base/case | None | base |
| /operating_model/cells/base_2027q2_quarter_fraction:base/id | None | base_2027q2_quarter_fraction |
| /operating_model/cells/base_2027q2_quarter_fraction:base/kind | None | assumption |
| /operating_model/cells/base_2027q2_quarter_fraction:base/label | None | Quarter of annual rate |
| /operating_model/cells/base_2027q2_quarter_fraction:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_quarter_fraction:base/unit | None | ratio |
| /operating_model/cells/base_2027q2_quarter_fraction:base/value | None | 0.25 |
| /operating_model/cells/base_2027q2_revenue:base/basis | None | No bank acquisition contribution. |
| /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_consumer_revenue |
| /operating_model/cells/base_2027q2_revenue:base/formula/refs/1 | None | base_2027q2_business_revenue |
| /operating_model/cells/base_2027q2_revenue:base/formula/refs/2 | None | base_2027q2_other_revenue |
| /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 | Total 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 | 1145.0 |
| /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 | SBC expense |
| /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 | 10.2 |
| /operating_model/cells/base_2027q2_working_capital_use:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q2_working_capital_use:base/case | None | base |
| /operating_model/cells/base_2027q2_working_capital_use:base/id | None | base_2027q2_working_capital_use |
| /operating_model/cells/base_2027q2_working_capital_use:base/kind | None | assumption |
| /operating_model/cells/base_2027q2_working_capital_use:base/label | None | Net other cash use |
| /operating_model/cells/base_2027q2_working_capital_use:base/period | None | 2027Q2 |
| /operating_model/cells/base_2027q2_working_capital_use:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q2_working_capital_use:base/value | None | 21.0 |
| /operating_model/cells/base_2027q3_annual_interest_rate:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q3_annual_interest_rate:base/case | None | base |
| /operating_model/cells/base_2027q3_annual_interest_rate:base/id | None | base_2027q3_annual_interest_rate |
| /operating_model/cells/base_2027q3_annual_interest_rate:base/kind | None | assumption |
| /operating_model/cells/base_2027q3_annual_interest_rate:base/label | None | Net annual debt cost including fees |
| /operating_model/cells/base_2027q3_annual_interest_rate:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_annual_interest_rate:base/unit | None | ratio |
| /operating_model/cells/base_2027q3_annual_interest_rate:base/value | None | 0.078 |
| /operating_model/cells/base_2027q3_average_debt:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q3_average_debt:base/case | None | base |
| /operating_model/cells/base_2027q3_average_debt:base/id | None | base_2027q3_average_debt |
| /operating_model/cells/base_2027q3_average_debt:base/kind | None | assumption |
| /operating_model/cells/base_2027q3_average_debt:base/label | None | Average funded debt |
| /operating_model/cells/base_2027q3_average_debt:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_average_debt:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_average_debt:base/value | None | 6300.0 |
| /operating_model/cells/base_2027q3_business_activity:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q3_business_activity:base/case | None | base |
| /operating_model/cells/base_2027q3_business_activity:base/id | None | base_2027q3_business_activity |
| /operating_model/cells/base_2027q3_business_activity:base/kind | None | assumption |
| /operating_model/cells/base_2027q3_business_activity:base/label | None | Business average earning activity / Q2 |
| /operating_model/cells/base_2027q3_business_activity:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_business_activity:base/unit | None | ratio |
| /operating_model/cells/base_2027q3_business_activity:base/value | None | 1.361349511689849 |
| /operating_model/cells/base_2027q3_business_credit_cost:base/basis | None | Credit and valuation sensitivity, not a cohort charge-off forecast. |
| /operating_model/cells/base_2027q3_business_credit_cost:base/case | None | base |
| /operating_model/cells/base_2027q3_business_credit_cost:base/formula/op | None | multiply |
| /operating_model/cells/base_2027q3_business_credit_cost:base/formula/refs/0 | None | base_2027q3_business_revenue |
| /operating_model/cells/base_2027q3_business_credit_cost:base/formula/refs/1 | None | base_2027q3_business_credit_ratio |
| /operating_model/cells/base_2027q3_business_credit_cost:base/id | None | base_2027q3_business_credit_cost |
| /operating_model/cells/base_2027q3_business_credit_cost:base/kind | None | derived |
| /operating_model/cells/base_2027q3_business_credit_cost:base/label | None | Business fair-value expense |
| /operating_model/cells/base_2027q3_business_credit_cost:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_business_credit_cost:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_business_credit_cost:base/value | None | 218.26999999999998 |
| /operating_model/cells/base_2027q3_business_credit_ratio:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q3_business_credit_ratio:base/case | None | base |
| /operating_model/cells/base_2027q3_business_credit_ratio:base/id | None | base_2027q3_business_credit_ratio |
| /operating_model/cells/base_2027q3_business_credit_ratio:base/kind | None | assumption |
| /operating_model/cells/base_2027q3_business_credit_ratio:base/label | None | Business fair-value expense / revenue |
| /operating_model/cells/base_2027q3_business_credit_ratio:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_business_credit_ratio:base/unit | None | ratio |
| /operating_model/cells/base_2027q3_business_credit_ratio:base/value | None | 0.365 |
| /operating_model/cells/base_2027q3_business_revenue:base/basis | None | Activity calibration and revenue yield can vary independently; includes interest and contractual fees. |
| /operating_model/cells/base_2027q3_business_revenue:base/case | None | base |
| /operating_model/cells/base_2027q3_business_revenue:base/formula/op | None | multiply |
| /operating_model/cells/base_2027q3_business_revenue:base/formula/refs/0 | None | q2_business |
| /operating_model/cells/base_2027q3_business_revenue:base/formula/refs/1 | None | base_2027q3_business_activity |
| /operating_model/cells/base_2027q3_business_revenue:base/formula/refs/2 | None | base_2027q3_business_yield |
| /operating_model/cells/base_2027q3_business_revenue:base/id | None | base_2027q3_business_revenue |
| /operating_model/cells/base_2027q3_business_revenue:base/kind | None | derived |
| /operating_model/cells/base_2027q3_business_revenue:base/label | None | Business lending revenue |
| /operating_model/cells/base_2027q3_business_revenue:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_business_revenue:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_business_revenue:base/value | None | 598.0 |
| /operating_model/cells/base_2027q3_business_yield:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q3_business_yield:base/case | None | base |
| /operating_model/cells/base_2027q3_business_yield:base/id | None | base_2027q3_business_yield |
| /operating_model/cells/base_2027q3_business_yield:base/kind | None | assumption |
| /operating_model/cells/base_2027q3_business_yield:base/label | None | Business revenue yield versus Q2 |
| /operating_model/cells/base_2027q3_business_yield:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_business_yield:base/unit | None | ratio |
| /operating_model/cells/base_2027q3_business_yield:base/value | None | 1.0 |
| /operating_model/cells/base_2027q3_buybacks:base/basis | None | Desk capital allocation; H2 $100M below June $218M covenant availability. Later authorization and covenant capacity remain conditions. |
| /operating_model/cells/base_2027q3_buybacks:base/case | None | base |
| /operating_model/cells/base_2027q3_buybacks:base/id | None | base_2027q3_buybacks |
| /operating_model/cells/base_2027q3_buybacks:base/kind | None | assumption |
| /operating_model/cells/base_2027q3_buybacks:base/label | None | Share repurchases |
| /operating_model/cells/base_2027q3_buybacks:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_buybacks:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_buybacks:base/value | None | 35.0 |
| /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 | Cash fixed assets and software |
| /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 | 17.0 |
| /operating_model/cells/base_2027q3_cash_after_claims:base/basis | None | Before debt amortization, refinancing, fees and reserve transfers; not equity distributable cash. |
| /operating_model/cells/base_2027q3_cash_after_claims:base/case | None | base |
| /operating_model/cells/base_2027q3_cash_after_claims:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q3_cash_after_claims:base/formula/refs/0 | None | base_2027q3_cash_after_lending |
| /operating_model/cells/base_2027q3_cash_after_claims:base/formula/refs/1 | None | base_2027q3_buybacks |
| /operating_model/cells/base_2027q3_cash_after_claims:base/id | None | base_2027q3_cash_after_claims |
| /operating_model/cells/base_2027q3_cash_after_claims:base/kind | None | derived |
| /operating_model/cells/base_2027q3_cash_after_claims:base/label | None | Cash after lending and repurchases |
| /operating_model/cells/base_2027q3_cash_after_claims:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_cash_after_claims:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_cash_after_claims:base/value | None | -218.90319999999997 |
| /operating_model/cells/base_2027q3_cash_after_lending:base/basis | None | No new debt proceeds included. |
| /operating_model/cells/base_2027q3_cash_after_lending:base/case | None | base |
| /operating_model/cells/base_2027q3_cash_after_lending:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q3_cash_after_lending:base/formula/refs/0 | None | base_2027q3_cfo |
| /operating_model/cells/base_2027q3_cash_after_lending:base/formula/refs/1 | None | base_2027q3_cash_investment |
| /operating_model/cells/base_2027q3_cash_after_lending:base/id | None | base_2027q3_cash_after_lending |
| /operating_model/cells/base_2027q3_cash_after_lending:base/kind | None | derived |
| /operating_model/cells/base_2027q3_cash_after_lending:base/label | None | Cash after capex and loan investment |
| /operating_model/cells/base_2027q3_cash_after_lending:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_cash_after_lending:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_cash_after_lending:base/value | None | -183.90319999999997 |
| /operating_model/cells/base_2027q3_cash_investment:base/basis | None | Loan growth can consume more than reported CFO. |
| /operating_model/cells/base_2027q3_cash_investment:base/case | None | base |
| /operating_model/cells/base_2027q3_cash_investment:base/formula/op | None | sum |
| /operating_model/cells/base_2027q3_cash_investment:base/formula/refs/0 | None | base_2027q3_capex |
| /operating_model/cells/base_2027q3_cash_investment:base/formula/refs/1 | None | base_2027q3_loan_investment |
| /operating_model/cells/base_2027q3_cash_investment:base/id | None | base_2027q3_cash_investment |
| /operating_model/cells/base_2027q3_cash_investment:base/kind | None | derived |
| /operating_model/cells/base_2027q3_cash_investment:base/label | None | Cash capital and net loan investment |
| /operating_model/cells/base_2027q3_cash_investment:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_cash_investment:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_cash_investment:base/value | None | 807.0 |
| /operating_model/cells/base_2027q3_cash_originations:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q3_cash_originations:base/case | None | base |
| /operating_model/cells/base_2027q3_cash_originations:base/id | None | base_2027q3_cash_originations |
| /operating_model/cells/base_2027q3_cash_originations:base/kind | None | assumption |
| /operating_model/cells/base_2027q3_cash_originations:base/label | None | Cash loan originations |
| /operating_model/cells/base_2027q3_cash_originations:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_cash_originations:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_cash_originations:base/value | None | 3050.0 |
| /operating_model/cells/base_2027q3_cash_tax:base/basis | None | All configured pretax cases are positive; negative stress would require a cash-tax floor. |
| /operating_model/cells/base_2027q3_cash_tax:base/case | None | base |
| /operating_model/cells/base_2027q3_cash_tax:base/formula/op | None | multiply |
| /operating_model/cells/base_2027q3_cash_tax:base/formula/refs/0 | None | base_2027q3_pretax |
| /operating_model/cells/base_2027q3_cash_tax:base/formula/refs/1 | None | base_2027q3_cash_tax_rate |
| /operating_model/cells/base_2027q3_cash_tax:base/id | None | base_2027q3_cash_tax |
| /operating_model/cells/base_2027q3_cash_tax:base/kind | None | derived |
| /operating_model/cells/base_2027q3_cash_tax:base/label | None | Cash tax allowance |
| /operating_model/cells/base_2027q3_cash_tax:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_cash_tax:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_cash_tax:base/value | None | 44.053200000000004 |
| /operating_model/cells/base_2027q3_cash_tax_rate:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q3_cash_tax_rate:base/case | None | base |
| /operating_model/cells/base_2027q3_cash_tax_rate:base/id | None | base_2027q3_cash_tax_rate |
| /operating_model/cells/base_2027q3_cash_tax_rate:base/kind | None | assumption |
| /operating_model/cells/base_2027q3_cash_tax_rate:base/label | None | Cash taxes / modeled pretax income |
| /operating_model/cells/base_2027q3_cash_tax_rate:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_cash_tax_rate:base/unit | None | ratio |
| /operating_model/cells/base_2027q3_cash_tax_rate:base/value | None | 0.24 |
| /operating_model/cells/base_2027q3_cfo:base/basis | None | Analytical CFO proxy; credit losses affect earnings and principal collections, not an extra cash expense. |
| /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_noncash_bridge |
| /operating_model/cells/base_2027q3_cfo:base/formula/refs/1 | None | base_2027q3_operating_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 before loan investment |
| /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 | 623.0968 |
| /operating_model/cells/base_2027q3_consumer_activity:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q3_consumer_activity:base/case | None | base |
| /operating_model/cells/base_2027q3_consumer_activity:base/id | None | base_2027q3_consumer_activity |
| /operating_model/cells/base_2027q3_consumer_activity:base/kind | None | assumption |
| /operating_model/cells/base_2027q3_consumer_activity:base/label | None | Consumer average earning activity / Q2 |
| /operating_model/cells/base_2027q3_consumer_activity:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_consumer_activity:base/unit | None | ratio |
| /operating_model/cells/base_2027q3_consumer_activity:base/value | None | 1.2881766331042543 |
| /operating_model/cells/base_2027q3_consumer_credit_cost:base/basis | None | Credit and valuation sensitivity, not a cohort charge-off forecast. |
| /operating_model/cells/base_2027q3_consumer_credit_cost:base/case | None | base |
| /operating_model/cells/base_2027q3_consumer_credit_cost:base/formula/op | None | multiply |
| /operating_model/cells/base_2027q3_consumer_credit_cost:base/formula/refs/0 | None | base_2027q3_consumer_revenue |
| /operating_model/cells/base_2027q3_consumer_credit_cost:base/formula/refs/1 | None | base_2027q3_consumer_credit_ratio |
| /operating_model/cells/base_2027q3_consumer_credit_cost:base/id | None | base_2027q3_consumer_credit_cost |
| /operating_model/cells/base_2027q3_consumer_credit_cost:base/kind | None | derived |
| /operating_model/cells/base_2027q3_consumer_credit_cost:base/label | None | Consumer fair-value expense |
| /operating_model/cells/base_2027q3_consumer_credit_cost:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_consumer_credit_cost:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_consumer_credit_cost:base/value | None | 267.525 |
| /operating_model/cells/base_2027q3_consumer_credit_ratio:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q3_consumer_credit_ratio:base/case | None | base |
| /operating_model/cells/base_2027q3_consumer_credit_ratio:base/id | None | base_2027q3_consumer_credit_ratio |
| /operating_model/cells/base_2027q3_consumer_credit_ratio:base/kind | None | assumption |
| /operating_model/cells/base_2027q3_consumer_credit_ratio:base/label | None | Consumer fair-value expense / revenue |
| /operating_model/cells/base_2027q3_consumer_credit_ratio:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_consumer_credit_ratio:base/unit | None | ratio |
| /operating_model/cells/base_2027q3_consumer_credit_ratio:base/value | None | 0.435 |
| /operating_model/cells/base_2027q3_consumer_revenue:base/basis | None | Activity calibration and revenue yield can vary independently; includes interest and contractual fees. |
| /operating_model/cells/base_2027q3_consumer_revenue:base/case | None | base |
| /operating_model/cells/base_2027q3_consumer_revenue:base/formula/op | None | multiply |
| /operating_model/cells/base_2027q3_consumer_revenue:base/formula/refs/0 | None | q2_consumer |
| /operating_model/cells/base_2027q3_consumer_revenue:base/formula/refs/1 | None | base_2027q3_consumer_activity |
| /operating_model/cells/base_2027q3_consumer_revenue:base/formula/refs/2 | None | base_2027q3_consumer_yield |
| /operating_model/cells/base_2027q3_consumer_revenue:base/id | None | base_2027q3_consumer_revenue |
| /operating_model/cells/base_2027q3_consumer_revenue:base/kind | None | derived |
| /operating_model/cells/base_2027q3_consumer_revenue:base/label | None | Consumer lending revenue |
| /operating_model/cells/base_2027q3_consumer_revenue:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_consumer_revenue:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_consumer_revenue:base/value | None | 615.0 |
| /operating_model/cells/base_2027q3_consumer_yield:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q3_consumer_yield:base/case | None | base |
| /operating_model/cells/base_2027q3_consumer_yield:base/id | None | base_2027q3_consumer_yield |
| /operating_model/cells/base_2027q3_consumer_yield:base/kind | None | assumption |
| /operating_model/cells/base_2027q3_consumer_yield:base/label | None | Consumer revenue yield versus Q2 |
| /operating_model/cells/base_2027q3_consumer_yield:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_consumer_yield:base/unit | None | ratio |
| /operating_model/cells/base_2027q3_consumer_yield:base/value | None | 1.0 |
| /operating_model/cells/base_2027q3_credit_cost:base/basis | None | No double counting of charge-offs below fair-value expense. |
| /operating_model/cells/base_2027q3_credit_cost:base/case | None | base |
| /operating_model/cells/base_2027q3_credit_cost:base/formula/op | None | sum |
| /operating_model/cells/base_2027q3_credit_cost:base/formula/refs/0 | None | base_2027q3_consumer_credit_cost |
| /operating_model/cells/base_2027q3_credit_cost:base/formula/refs/1 | None | base_2027q3_business_credit_cost |
| /operating_model/cells/base_2027q3_credit_cost:base/id | None | base_2027q3_credit_cost |
| /operating_model/cells/base_2027q3_credit_cost:base/kind | None | derived |
| /operating_model/cells/base_2027q3_credit_cost:base/label | None | Total fair-value expense |
| /operating_model/cells/base_2027q3_credit_cost:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_credit_cost:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_credit_cost:base/value | None | 485.79499999999996 |
| /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 | Depreciation and amortization |
| /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 | 10.2 |
| /operating_model/cells/base_2027q3_ga:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q3_ga:base/case | None | base |
| /operating_model/cells/base_2027q3_ga:base/id | None | base_2027q3_ga |
| /operating_model/cells/base_2027q3_ga:base/kind | None | assumption |
| /operating_model/cells/base_2027q3_ga:base/label | None | General and administrative |
| /operating_model/cells/base_2027q3_ga:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_ga:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_ga:base/value | None | 55.0 |
| /operating_model/cells/base_2027q3_interest:base/basis | None | Blended cost for corporate and funding debt; commitments are not treated as draws. |
| /operating_model/cells/base_2027q3_interest:base/case | None | base |
| /operating_model/cells/base_2027q3_interest:base/formula/op | None | multiply |
| /operating_model/cells/base_2027q3_interest:base/formula/refs/0 | None | base_2027q3_average_debt |
| /operating_model/cells/base_2027q3_interest:base/formula/refs/1 | None | base_2027q3_annual_interest_rate |
| /operating_model/cells/base_2027q3_interest:base/formula/refs/2 | None | base_2027q3_quarter_fraction |
| /operating_model/cells/base_2027q3_interest:base/id | None | base_2027q3_interest |
| /operating_model/cells/base_2027q3_interest:base/kind | None | derived |
| /operating_model/cells/base_2027q3_interest:base/label | None | Net funding and corporate interest |
| /operating_model/cells/base_2027q3_interest:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_interest:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_interest:base/value | None | 122.85 |
| /operating_model/cells/base_2027q3_loan_investment:base/basis | None | Excludes interest collections already in operating cash and noncash renewals. |
| /operating_model/cells/base_2027q3_loan_investment:base/case | None | base |
| /operating_model/cells/base_2027q3_loan_investment:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q3_loan_investment:base/formula/refs/0 | None | base_2027q3_cash_originations |
| /operating_model/cells/base_2027q3_loan_investment:base/formula/refs/1 | None | base_2027q3_principal_receipts |
| /operating_model/cells/base_2027q3_loan_investment:base/id | None | base_2027q3_loan_investment |
| /operating_model/cells/base_2027q3_loan_investment:base/kind | None | derived |
| /operating_model/cells/base_2027q3_loan_investment:base/label | None | Net cash loan investment |
| /operating_model/cells/base_2027q3_loan_investment:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_loan_investment:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_loan_investment:base/value | None | 790.0 |
| /operating_model/cells/base_2027q3_marketing:base/basis | None | Acquisition expense retained in earnings. |
| /operating_model/cells/base_2027q3_marketing:base/case | None | base |
| /operating_model/cells/base_2027q3_marketing:base/formula/op | None | multiply |
| /operating_model/cells/base_2027q3_marketing:base/formula/refs/0 | None | base_2027q3_revenue |
| /operating_model/cells/base_2027q3_marketing:base/formula/refs/1 | None | base_2027q3_marketing_ratio |
| /operating_model/cells/base_2027q3_marketing:base/id | None | base_2027q3_marketing |
| /operating_model/cells/base_2027q3_marketing:base/kind | None | derived |
| /operating_model/cells/base_2027q3_marketing:base/label | None | Marketing expense |
| /operating_model/cells/base_2027q3_marketing:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_marketing:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_marketing:base/value | None | 270.6 |
| /operating_model/cells/base_2027q3_marketing_ratio:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q3_marketing_ratio:base/case | None | base |
| /operating_model/cells/base_2027q3_marketing_ratio:base/id | None | base_2027q3_marketing_ratio |
| /operating_model/cells/base_2027q3_marketing_ratio:base/kind | None | assumption |
| /operating_model/cells/base_2027q3_marketing_ratio:base/label | None | Marketing / revenue |
| /operating_model/cells/base_2027q3_marketing_ratio:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_marketing_ratio:base/unit | None | ratio |
| /operating_model/cells/base_2027q3_marketing_ratio:base/value | None | 0.22 |
| /operating_model/cells/base_2027q3_net_revenue:base/basis | None | Financial-company net revenue, not industrial gross profit. |
| /operating_model/cells/base_2027q3_net_revenue:base/case | None | base |
| /operating_model/cells/base_2027q3_net_revenue:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q3_net_revenue:base/formula/refs/0 | None | base_2027q3_revenue |
| /operating_model/cells/base_2027q3_net_revenue:base/formula/refs/1 | None | base_2027q3_credit_cost |
| /operating_model/cells/base_2027q3_net_revenue:base/id | None | base_2027q3_net_revenue |
| /operating_model/cells/base_2027q3_net_revenue:base/kind | None | derived |
| /operating_model/cells/base_2027q3_net_revenue:base/label | None | Revenue after fair-value expense |
| /operating_model/cells/base_2027q3_net_revenue:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_net_revenue:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_net_revenue:base/value | None | 744.205 |
| /operating_model/cells/base_2027q3_noncash_bridge:base/basis | None | Fair-value expense assumed noncash here; loan receipts are modeled separately. |
| /operating_model/cells/base_2027q3_noncash_bridge:base/case | None | base |
| /operating_model/cells/base_2027q3_noncash_bridge:base/formula/op | None | sum |
| /operating_model/cells/base_2027q3_noncash_bridge:base/formula/refs/0 | None | base_2027q3_pretax |
| /operating_model/cells/base_2027q3_noncash_bridge:base/formula/refs/1 | None | base_2027q3_credit_cost |
| /operating_model/cells/base_2027q3_noncash_bridge:base/formula/refs/2 | None | base_2027q3_da |
| /operating_model/cells/base_2027q3_noncash_bridge:base/formula/refs/3 | None | base_2027q3_sbc |
| /operating_model/cells/base_2027q3_noncash_bridge:base/id | None | base_2027q3_noncash_bridge |
| /operating_model/cells/base_2027q3_noncash_bridge:base/kind | None | derived |
| /operating_model/cells/base_2027q3_noncash_bridge:base/label | None | Pretax earnings plus noncash expenses |
| /operating_model/cells/base_2027q3_noncash_bridge:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_noncash_bridge:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_noncash_bridge:base/value | None | 690.1500000000001 |
| /operating_model/cells/base_2027q3_operating_cash_uses:base/basis | None | Covers fee amortization, tax timing and other operating balances, not cash loan originations. |
| /operating_model/cells/base_2027q3_operating_cash_uses:base/case | None | base |
| /operating_model/cells/base_2027q3_operating_cash_uses:base/formula/op | None | sum |
| /operating_model/cells/base_2027q3_operating_cash_uses:base/formula/refs/0 | None | base_2027q3_cash_tax |
| /operating_model/cells/base_2027q3_operating_cash_uses:base/formula/refs/1 | None | base_2027q3_working_capital_use |
| /operating_model/cells/base_2027q3_operating_cash_uses:base/id | None | base_2027q3_operating_cash_uses |
| /operating_model/cells/base_2027q3_operating_cash_uses:base/kind | None | derived |
| /operating_model/cells/base_2027q3_operating_cash_uses:base/label | None | Cash tax and other operating timing |
| /operating_model/cells/base_2027q3_operating_cash_uses:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_operating_cash_uses:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_operating_cash_uses:base/value | None | 67.0532 |
| /operating_model/cells/base_2027q3_operating_income:base/basis | None | No Grasshopper synergies or one-time transaction recovery assumed. |
| /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_net_revenue |
| /operating_model/cells/base_2027q3_operating_income:base/formula/refs/1 | None | base_2027q3_opex |
| /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 | GAAP 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 | 306.40500000000003 |
| /operating_model/cells/base_2027q3_operations:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q3_operations:base/case | None | base |
| /operating_model/cells/base_2027q3_operations:base/id | None | base_2027q3_operations |
| /operating_model/cells/base_2027q3_operations:base/kind | None | assumption |
| /operating_model/cells/base_2027q3_operations:base/label | None | Operations and technology |
| /operating_model/cells/base_2027q3_operations:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_operations:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_operations:base/value | None | 102.0 |
| /operating_model/cells/base_2027q3_opex:base/basis | None | SBC is already within departmental expense; add back only in cash bridge. |
| /operating_model/cells/base_2027q3_opex:base/case | None | base |
| /operating_model/cells/base_2027q3_opex:base/formula/op | None | sum |
| /operating_model/cells/base_2027q3_opex:base/formula/refs/0 | None | base_2027q3_marketing |
| /operating_model/cells/base_2027q3_opex:base/formula/refs/1 | None | base_2027q3_operations |
| /operating_model/cells/base_2027q3_opex:base/formula/refs/2 | None | base_2027q3_ga |
| /operating_model/cells/base_2027q3_opex:base/formula/refs/3 | None | base_2027q3_da |
| /operating_model/cells/base_2027q3_opex:base/id | None | base_2027q3_opex |
| /operating_model/cells/base_2027q3_opex:base/kind | None | derived |
| /operating_model/cells/base_2027q3_opex:base/label | None | Operating expense |
| /operating_model/cells/base_2027q3_opex:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_opex:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_opex:base/value | None | 437.8 |
| /operating_model/cells/base_2027q3_other_revenue:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q3_other_revenue:base/case | None | base |
| /operating_model/cells/base_2027q3_other_revenue:base/id | None | base_2027q3_other_revenue |
| /operating_model/cells/base_2027q3_other_revenue:base/kind | None | assumption |
| /operating_model/cells/base_2027q3_other_revenue:base/label | None | Other revenue |
| /operating_model/cells/base_2027q3_other_revenue:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_other_revenue:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_other_revenue:base/value | None | 17.0 |
| /operating_model/cells/base_2027q3_pretax:base/basis | None | No speculative nonoperating gains. |
| /operating_model/cells/base_2027q3_pretax:base/case | None | base |
| /operating_model/cells/base_2027q3_pretax:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q3_pretax:base/formula/refs/0 | None | base_2027q3_operating_income |
| /operating_model/cells/base_2027q3_pretax:base/formula/refs/1 | None | base_2027q3_interest |
| /operating_model/cells/base_2027q3_pretax:base/id | None | base_2027q3_pretax |
| /operating_model/cells/base_2027q3_pretax:base/kind | None | derived |
| /operating_model/cells/base_2027q3_pretax:base/label | None | Pretax earnings proxy |
| /operating_model/cells/base_2027q3_pretax:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_pretax:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_pretax:base/value | None | 183.55500000000004 |
| /operating_model/cells/base_2027q3_principal_receipts:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q3_principal_receipts:base/case | None | base |
| /operating_model/cells/base_2027q3_principal_receipts:base/id | None | base_2027q3_principal_receipts |
| /operating_model/cells/base_2027q3_principal_receipts:base/kind | None | assumption |
| /operating_model/cells/base_2027q3_principal_receipts:base/label | None | Cash principal collections |
| /operating_model/cells/base_2027q3_principal_receipts:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_principal_receipts:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_principal_receipts:base/value | None | 2260.0 |
| /operating_model/cells/base_2027q3_quarter_fraction:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q3_quarter_fraction:base/case | None | base |
| /operating_model/cells/base_2027q3_quarter_fraction:base/id | None | base_2027q3_quarter_fraction |
| /operating_model/cells/base_2027q3_quarter_fraction:base/kind | None | assumption |
| /operating_model/cells/base_2027q3_quarter_fraction:base/label | None | Quarter of annual rate |
| /operating_model/cells/base_2027q3_quarter_fraction:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_quarter_fraction:base/unit | None | ratio |
| /operating_model/cells/base_2027q3_quarter_fraction:base/value | None | 0.25 |
| /operating_model/cells/base_2027q3_revenue:base/basis | None | No bank acquisition contribution. |
| /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_consumer_revenue |
| /operating_model/cells/base_2027q3_revenue:base/formula/refs/1 | None | base_2027q3_business_revenue |
| /operating_model/cells/base_2027q3_revenue:base/formula/refs/2 | None | base_2027q3_other_revenue |
| /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 | Total 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 | 1230.0 |
| /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 | SBC expense |
| /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 | 10.6 |
| /operating_model/cells/base_2027q3_working_capital_use:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q3_working_capital_use:base/case | None | base |
| /operating_model/cells/base_2027q3_working_capital_use:base/id | None | base_2027q3_working_capital_use |
| /operating_model/cells/base_2027q3_working_capital_use:base/kind | None | assumption |
| /operating_model/cells/base_2027q3_working_capital_use:base/label | None | Net other cash use |
| /operating_model/cells/base_2027q3_working_capital_use:base/period | None | 2027Q3 |
| /operating_model/cells/base_2027q3_working_capital_use:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q3_working_capital_use:base/value | None | 23.0 |
| /operating_model/cells/base_2027q4_annual_interest_rate:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q4_annual_interest_rate:base/case | None | base |
| /operating_model/cells/base_2027q4_annual_interest_rate:base/id | None | base_2027q4_annual_interest_rate |
| /operating_model/cells/base_2027q4_annual_interest_rate:base/kind | None | assumption |
| /operating_model/cells/base_2027q4_annual_interest_rate:base/label | None | Net annual debt cost including fees |
| /operating_model/cells/base_2027q4_annual_interest_rate:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_annual_interest_rate:base/unit | None | ratio |
| /operating_model/cells/base_2027q4_annual_interest_rate:base/value | None | 0.078 |
| /operating_model/cells/base_2027q4_average_debt:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q4_average_debt:base/case | None | base |
| /operating_model/cells/base_2027q4_average_debt:base/id | None | base_2027q4_average_debt |
| /operating_model/cells/base_2027q4_average_debt:base/kind | None | assumption |
| /operating_model/cells/base_2027q4_average_debt:base/label | None | Average funded debt |
| /operating_model/cells/base_2027q4_average_debt:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_average_debt:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_average_debt:base/value | None | 6625.0 |
| /operating_model/cells/base_2027q4_business_activity:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q4_business_activity:base/case | None | base |
| /operating_model/cells/base_2027q4_business_activity:base/id | None | base_2027q4_business_activity |
| /operating_model/cells/base_2027q4_business_activity:base/kind | None | assumption |
| /operating_model/cells/base_2027q4_business_activity:base/label | None | Business average earning activity / Q2 |
| /operating_model/cells/base_2027q4_business_activity:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_business_activity:base/unit | None | ratio |
| /operating_model/cells/base_2027q4_business_activity:base/value | None | 1.4387506544949575 |
| /operating_model/cells/base_2027q4_business_credit_cost:base/basis | None | Credit and valuation sensitivity, not a cohort charge-off forecast. |
| /operating_model/cells/base_2027q4_business_credit_cost:base/case | None | base |
| /operating_model/cells/base_2027q4_business_credit_cost:base/formula/op | None | multiply |
| /operating_model/cells/base_2027q4_business_credit_cost:base/formula/refs/0 | None | base_2027q4_business_revenue |
| /operating_model/cells/base_2027q4_business_credit_cost:base/formula/refs/1 | None | base_2027q4_business_credit_ratio |
| /operating_model/cells/base_2027q4_business_credit_cost:base/id | None | base_2027q4_business_credit_cost |
| /operating_model/cells/base_2027q4_business_credit_cost:base/kind | None | derived |
| /operating_model/cells/base_2027q4_business_credit_cost:base/label | None | Business fair-value expense |
| /operating_model/cells/base_2027q4_business_credit_cost:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_business_credit_cost:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_business_credit_cost:base/value | None | 230.68 |
| /operating_model/cells/base_2027q4_business_credit_ratio:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q4_business_credit_ratio:base/case | None | base |
| /operating_model/cells/base_2027q4_business_credit_ratio:base/id | None | base_2027q4_business_credit_ratio |
| /operating_model/cells/base_2027q4_business_credit_ratio:base/kind | None | assumption |
| /operating_model/cells/base_2027q4_business_credit_ratio:base/label | None | Business fair-value expense / revenue |
| /operating_model/cells/base_2027q4_business_credit_ratio:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_business_credit_ratio:base/unit | None | ratio |
| /operating_model/cells/base_2027q4_business_credit_ratio:base/value | None | 0.365 |
| /operating_model/cells/base_2027q4_business_revenue:base/basis | None | Activity calibration and revenue yield can vary independently; includes interest and contractual fees. |
| /operating_model/cells/base_2027q4_business_revenue:base/case | None | base |
| /operating_model/cells/base_2027q4_business_revenue:base/formula/op | None | multiply |
| /operating_model/cells/base_2027q4_business_revenue:base/formula/refs/0 | None | q2_business |
| /operating_model/cells/base_2027q4_business_revenue:base/formula/refs/1 | None | base_2027q4_business_activity |
| /operating_model/cells/base_2027q4_business_revenue:base/formula/refs/2 | None | base_2027q4_business_yield |
| /operating_model/cells/base_2027q4_business_revenue:base/id | None | base_2027q4_business_revenue |
| /operating_model/cells/base_2027q4_business_revenue:base/kind | None | derived |
| /operating_model/cells/base_2027q4_business_revenue:base/label | None | Business lending revenue |
| /operating_model/cells/base_2027q4_business_revenue:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_business_revenue:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_business_revenue:base/value | None | 632.0 |
| /operating_model/cells/base_2027q4_business_yield:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q4_business_yield:base/case | None | base |
| /operating_model/cells/base_2027q4_business_yield:base/id | None | base_2027q4_business_yield |
| /operating_model/cells/base_2027q4_business_yield:base/kind | None | assumption |
| /operating_model/cells/base_2027q4_business_yield:base/label | None | Business revenue yield versus Q2 |
| /operating_model/cells/base_2027q4_business_yield:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_business_yield:base/unit | None | ratio |
| /operating_model/cells/base_2027q4_business_yield:base/value | None | 1.0 |
| /operating_model/cells/base_2027q4_buybacks:base/basis | None | Desk capital allocation; H2 $100M below June $218M covenant availability. Later authorization and covenant capacity remain conditions. |
| /operating_model/cells/base_2027q4_buybacks:base/case | None | base |
| /operating_model/cells/base_2027q4_buybacks:base/id | None | base_2027q4_buybacks |
| /operating_model/cells/base_2027q4_buybacks:base/kind | None | assumption |
| /operating_model/cells/base_2027q4_buybacks:base/label | None | Share repurchases |
| /operating_model/cells/base_2027q4_buybacks:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_buybacks:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_buybacks:base/value | None | 35.0 |
| /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 | Cash fixed assets and software |
| /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 | 18.0 |
| /operating_model/cells/base_2027q4_cash_after_claims:base/basis | None | Before debt amortization, refinancing, fees and reserve transfers; not equity distributable cash. |
| /operating_model/cells/base_2027q4_cash_after_claims:base/case | None | base |
| /operating_model/cells/base_2027q4_cash_after_claims:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q4_cash_after_claims:base/formula/refs/0 | None | base_2027q4_cash_after_lending |
| /operating_model/cells/base_2027q4_cash_after_claims:base/formula/refs/1 | None | base_2027q4_buybacks |
| /operating_model/cells/base_2027q4_cash_after_claims:base/id | None | base_2027q4_cash_after_claims |
| /operating_model/cells/base_2027q4_cash_after_claims:base/kind | None | derived |
| /operating_model/cells/base_2027q4_cash_after_claims:base/label | None | Cash after lending and repurchases |
| /operating_model/cells/base_2027q4_cash_after_claims:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_cash_after_claims:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_cash_after_claims:base/value | None | -250.41129999999998 |
| /operating_model/cells/base_2027q4_cash_after_lending:base/basis | None | No new debt proceeds included. |
| /operating_model/cells/base_2027q4_cash_after_lending:base/case | None | base |
| /operating_model/cells/base_2027q4_cash_after_lending:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q4_cash_after_lending:base/formula/refs/0 | None | base_2027q4_cfo |
| /operating_model/cells/base_2027q4_cash_after_lending:base/formula/refs/1 | None | base_2027q4_cash_investment |
| /operating_model/cells/base_2027q4_cash_after_lending:base/id | None | base_2027q4_cash_after_lending |
| /operating_model/cells/base_2027q4_cash_after_lending:base/kind | None | derived |
| /operating_model/cells/base_2027q4_cash_after_lending:base/label | None | Cash after capex and loan investment |
| /operating_model/cells/base_2027q4_cash_after_lending:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_cash_after_lending:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_cash_after_lending:base/value | None | -215.41129999999998 |
| /operating_model/cells/base_2027q4_cash_investment:base/basis | None | Loan growth can consume more than reported CFO. |
| /operating_model/cells/base_2027q4_cash_investment:base/case | None | base |
| /operating_model/cells/base_2027q4_cash_investment:base/formula/op | None | sum |
| /operating_model/cells/base_2027q4_cash_investment:base/formula/refs/0 | None | base_2027q4_capex |
| /operating_model/cells/base_2027q4_cash_investment:base/formula/refs/1 | None | base_2027q4_loan_investment |
| /operating_model/cells/base_2027q4_cash_investment:base/id | None | base_2027q4_cash_investment |
| /operating_model/cells/base_2027q4_cash_investment:base/kind | None | derived |
| /operating_model/cells/base_2027q4_cash_investment:base/label | None | Cash capital and net loan investment |
| /operating_model/cells/base_2027q4_cash_investment:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_cash_investment:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_cash_investment:base/value | None | 868.0 |
| /operating_model/cells/base_2027q4_cash_originations:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q4_cash_originations:base/case | None | base |
| /operating_model/cells/base_2027q4_cash_originations:base/id | None | base_2027q4_cash_originations |
| /operating_model/cells/base_2027q4_cash_originations:base/kind | None | assumption |
| /operating_model/cells/base_2027q4_cash_originations:base/label | None | Cash loan originations |
| /operating_model/cells/base_2027q4_cash_originations:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_cash_originations:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_cash_originations:base/value | None | 3250.0 |
| /operating_model/cells/base_2027q4_cash_tax:base/basis | None | All configured pretax cases are positive; negative stress would require a cash-tax floor. |
| /operating_model/cells/base_2027q4_cash_tax:base/case | None | base |
| /operating_model/cells/base_2027q4_cash_tax:base/formula/op | None | multiply |
| /operating_model/cells/base_2027q4_cash_tax:base/formula/refs/0 | None | base_2027q4_pretax |
| /operating_model/cells/base_2027q4_cash_tax:base/formula/refs/1 | None | base_2027q4_cash_tax_rate |
| /operating_model/cells/base_2027q4_cash_tax:base/id | None | base_2027q4_cash_tax |
| /operating_model/cells/base_2027q4_cash_tax:base/kind | None | derived |
| /operating_model/cells/base_2027q4_cash_tax:base/label | None | Cash tax allowance |
| /operating_model/cells/base_2027q4_cash_tax:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_cash_tax:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_cash_tax:base/value | None | 46.423800000000014 |
| /operating_model/cells/base_2027q4_cash_tax_rate:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q4_cash_tax_rate:base/case | None | base |
| /operating_model/cells/base_2027q4_cash_tax_rate:base/id | None | base_2027q4_cash_tax_rate |
| /operating_model/cells/base_2027q4_cash_tax_rate:base/kind | None | assumption |
| /operating_model/cells/base_2027q4_cash_tax_rate:base/label | None | Cash taxes / modeled pretax income |
| /operating_model/cells/base_2027q4_cash_tax_rate:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_cash_tax_rate:base/unit | None | ratio |
| /operating_model/cells/base_2027q4_cash_tax_rate:base/value | None | 0.24 |
| /operating_model/cells/base_2027q4_cfo:base/basis | None | Analytical CFO proxy; credit losses affect earnings and principal collections, not an extra cash expense. |
| /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_noncash_bridge |
| /operating_model/cells/base_2027q4_cfo:base/formula/refs/1 | None | base_2027q4_operating_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 before loan investment |
| /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 | 652.5887 |
| /operating_model/cells/base_2027q4_consumer_activity:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q4_consumer_activity:base/case | None | base |
| /operating_model/cells/base_2027q4_consumer_activity:base/id | None | base_2027q4_consumer_activity |
| /operating_model/cells/base_2027q4_consumer_activity:base/kind | None | assumption |
| /operating_model/cells/base_2027q4_consumer_activity:base/label | None | Consumer average earning activity / Q2 |
| /operating_model/cells/base_2027q4_consumer_activity:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_consumer_activity:base/unit | None | ratio |
| /operating_model/cells/base_2027q4_consumer_activity:base/value | None | 1.3405415368889801 |
| /operating_model/cells/base_2027q4_consumer_credit_cost:base/basis | None | Credit and valuation sensitivity, not a cohort charge-off forecast. |
| /operating_model/cells/base_2027q4_consumer_credit_cost:base/case | None | base |
| /operating_model/cells/base_2027q4_consumer_credit_cost:base/formula/op | None | multiply |
| /operating_model/cells/base_2027q4_consumer_credit_cost:base/formula/refs/0 | None | base_2027q4_consumer_revenue |
| /operating_model/cells/base_2027q4_consumer_credit_cost:base/formula/refs/1 | None | base_2027q4_consumer_credit_ratio |
| /operating_model/cells/base_2027q4_consumer_credit_cost:base/id | None | base_2027q4_consumer_credit_cost |
| /operating_model/cells/base_2027q4_consumer_credit_cost:base/kind | None | derived |
| /operating_model/cells/base_2027q4_consumer_credit_cost:base/label | None | Consumer fair-value expense |
| /operating_model/cells/base_2027q4_consumer_credit_cost:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_consumer_credit_cost:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_consumer_credit_cost:base/value | None | 278.4 |
| /operating_model/cells/base_2027q4_consumer_credit_ratio:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q4_consumer_credit_ratio:base/case | None | base |
| /operating_model/cells/base_2027q4_consumer_credit_ratio:base/id | None | base_2027q4_consumer_credit_ratio |
| /operating_model/cells/base_2027q4_consumer_credit_ratio:base/kind | None | assumption |
| /operating_model/cells/base_2027q4_consumer_credit_ratio:base/label | None | Consumer fair-value expense / revenue |
| /operating_model/cells/base_2027q4_consumer_credit_ratio:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_consumer_credit_ratio:base/unit | None | ratio |
| /operating_model/cells/base_2027q4_consumer_credit_ratio:base/value | None | 0.435 |
| /operating_model/cells/base_2027q4_consumer_revenue:base/basis | None | Activity calibration and revenue yield can vary independently; includes interest and contractual fees. |
| /operating_model/cells/base_2027q4_consumer_revenue:base/case | None | base |
| /operating_model/cells/base_2027q4_consumer_revenue:base/formula/op | None | multiply |
| /operating_model/cells/base_2027q4_consumer_revenue:base/formula/refs/0 | None | q2_consumer |
| /operating_model/cells/base_2027q4_consumer_revenue:base/formula/refs/1 | None | base_2027q4_consumer_activity |
| /operating_model/cells/base_2027q4_consumer_revenue:base/formula/refs/2 | None | base_2027q4_consumer_yield |
| /operating_model/cells/base_2027q4_consumer_revenue:base/id | None | base_2027q4_consumer_revenue |
| /operating_model/cells/base_2027q4_consumer_revenue:base/kind | None | derived |
| /operating_model/cells/base_2027q4_consumer_revenue:base/label | None | Consumer lending revenue |
| /operating_model/cells/base_2027q4_consumer_revenue:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_consumer_revenue:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_consumer_revenue:base/value | None | 640.0 |
| /operating_model/cells/base_2027q4_consumer_yield:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q4_consumer_yield:base/case | None | base |
| /operating_model/cells/base_2027q4_consumer_yield:base/id | None | base_2027q4_consumer_yield |
| /operating_model/cells/base_2027q4_consumer_yield:base/kind | None | assumption |
| /operating_model/cells/base_2027q4_consumer_yield:base/label | None | Consumer revenue yield versus Q2 |
| /operating_model/cells/base_2027q4_consumer_yield:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_consumer_yield:base/unit | None | ratio |
| /operating_model/cells/base_2027q4_consumer_yield:base/value | None | 1.0 |
| /operating_model/cells/base_2027q4_credit_cost:base/basis | None | No double counting of charge-offs below fair-value expense. |
| /operating_model/cells/base_2027q4_credit_cost:base/case | None | base |
| /operating_model/cells/base_2027q4_credit_cost:base/formula/op | None | sum |
| /operating_model/cells/base_2027q4_credit_cost:base/formula/refs/0 | None | base_2027q4_consumer_credit_cost |
| /operating_model/cells/base_2027q4_credit_cost:base/formula/refs/1 | None | base_2027q4_business_credit_cost |
| /operating_model/cells/base_2027q4_credit_cost:base/id | None | base_2027q4_credit_cost |
| /operating_model/cells/base_2027q4_credit_cost:base/kind | None | derived |
| /operating_model/cells/base_2027q4_credit_cost:base/label | None | Total fair-value expense |
| /operating_model/cells/base_2027q4_credit_cost:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_credit_cost:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_credit_cost:base/value | None | 509.08 |
| /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 | Depreciation and amortization |
| /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 | 10.5 |
| /operating_model/cells/base_2027q4_ga:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q4_ga:base/case | None | base |
| /operating_model/cells/base_2027q4_ga:base/id | None | base_2027q4_ga |
| /operating_model/cells/base_2027q4_ga:base/kind | None | assumption |
| /operating_model/cells/base_2027q4_ga:base/label | None | General and administrative |
| /operating_model/cells/base_2027q4_ga:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_ga:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_ga:base/value | None | 57.0 |
| /operating_model/cells/base_2027q4_interest:base/basis | None | Blended cost for corporate and funding debt; commitments are not treated as draws. |
| /operating_model/cells/base_2027q4_interest:base/case | None | base |
| /operating_model/cells/base_2027q4_interest:base/formula/op | None | multiply |
| /operating_model/cells/base_2027q4_interest:base/formula/refs/0 | None | base_2027q4_average_debt |
| /operating_model/cells/base_2027q4_interest:base/formula/refs/1 | None | base_2027q4_annual_interest_rate |
| /operating_model/cells/base_2027q4_interest:base/formula/refs/2 | None | base_2027q4_quarter_fraction |
| /operating_model/cells/base_2027q4_interest:base/id | None | base_2027q4_interest |
| /operating_model/cells/base_2027q4_interest:base/kind | None | derived |
| /operating_model/cells/base_2027q4_interest:base/label | None | Net funding and corporate interest |
| /operating_model/cells/base_2027q4_interest:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_interest:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_interest:base/value | None | 129.1875 |
| /operating_model/cells/base_2027q4_loan_investment:base/basis | None | Excludes interest collections already in operating cash and noncash renewals. |
| /operating_model/cells/base_2027q4_loan_investment:base/case | None | base |
| /operating_model/cells/base_2027q4_loan_investment:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q4_loan_investment:base/formula/refs/0 | None | base_2027q4_cash_originations |
| /operating_model/cells/base_2027q4_loan_investment:base/formula/refs/1 | None | base_2027q4_principal_receipts |
| /operating_model/cells/base_2027q4_loan_investment:base/id | None | base_2027q4_loan_investment |
| /operating_model/cells/base_2027q4_loan_investment:base/kind | None | derived |
| /operating_model/cells/base_2027q4_loan_investment:base/label | None | Net cash loan investment |
| /operating_model/cells/base_2027q4_loan_investment:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_loan_investment:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_loan_investment:base/value | None | 850.0 |
| /operating_model/cells/base_2027q4_marketing:base/basis | None | Acquisition expense retained in earnings. |
| /operating_model/cells/base_2027q4_marketing:base/case | None | base |
| /operating_model/cells/base_2027q4_marketing:base/formula/op | None | multiply |
| /operating_model/cells/base_2027q4_marketing:base/formula/refs/0 | None | base_2027q4_revenue |
| /operating_model/cells/base_2027q4_marketing:base/formula/refs/1 | None | base_2027q4_marketing_ratio |
| /operating_model/cells/base_2027q4_marketing:base/id | None | base_2027q4_marketing |
| /operating_model/cells/base_2027q4_marketing:base/kind | None | derived |
| /operating_model/cells/base_2027q4_marketing:base/label | None | Marketing expense |
| /operating_model/cells/base_2027q4_marketing:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_marketing:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_marketing:base/value | None | 283.8 |
| /operating_model/cells/base_2027q4_marketing_ratio:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q4_marketing_ratio:base/case | None | base |
| /operating_model/cells/base_2027q4_marketing_ratio:base/id | None | base_2027q4_marketing_ratio |
| /operating_model/cells/base_2027q4_marketing_ratio:base/kind | None | assumption |
| /operating_model/cells/base_2027q4_marketing_ratio:base/label | None | Marketing / revenue |
| /operating_model/cells/base_2027q4_marketing_ratio:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_marketing_ratio:base/unit | None | ratio |
| /operating_model/cells/base_2027q4_marketing_ratio:base/value | None | 0.22 |
| /operating_model/cells/base_2027q4_net_revenue:base/basis | None | Financial-company net revenue, not industrial gross profit. |
| /operating_model/cells/base_2027q4_net_revenue:base/case | None | base |
| /operating_model/cells/base_2027q4_net_revenue:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q4_net_revenue:base/formula/refs/0 | None | base_2027q4_revenue |
| /operating_model/cells/base_2027q4_net_revenue:base/formula/refs/1 | None | base_2027q4_credit_cost |
| /operating_model/cells/base_2027q4_net_revenue:base/id | None | base_2027q4_net_revenue |
| /operating_model/cells/base_2027q4_net_revenue:base/kind | None | derived |
| /operating_model/cells/base_2027q4_net_revenue:base/label | None | Revenue after fair-value expense |
| /operating_model/cells/base_2027q4_net_revenue:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_net_revenue:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_net_revenue:base/value | None | 780.9200000000001 |
| /operating_model/cells/base_2027q4_noncash_bridge:base/basis | None | Fair-value expense assumed noncash here; loan receipts are modeled separately. |
| /operating_model/cells/base_2027q4_noncash_bridge:base/case | None | base |
| /operating_model/cells/base_2027q4_noncash_bridge:base/formula/op | None | sum |
| /operating_model/cells/base_2027q4_noncash_bridge:base/formula/refs/0 | None | base_2027q4_pretax |
| /operating_model/cells/base_2027q4_noncash_bridge:base/formula/refs/1 | None | base_2027q4_credit_cost |
| /operating_model/cells/base_2027q4_noncash_bridge:base/formula/refs/2 | None | base_2027q4_da |
| /operating_model/cells/base_2027q4_noncash_bridge:base/formula/refs/3 | None | base_2027q4_sbc |
| /operating_model/cells/base_2027q4_noncash_bridge:base/id | None | base_2027q4_noncash_bridge |
| /operating_model/cells/base_2027q4_noncash_bridge:base/kind | None | derived |
| /operating_model/cells/base_2027q4_noncash_bridge:base/label | None | Pretax earnings plus noncash expenses |
| /operating_model/cells/base_2027q4_noncash_bridge:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_noncash_bridge:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_noncash_bridge:base/value | None | 724.0125 |
| /operating_model/cells/base_2027q4_operating_cash_uses:base/basis | None | Covers fee amortization, tax timing and other operating balances, not cash loan originations. |
| /operating_model/cells/base_2027q4_operating_cash_uses:base/case | None | base |
| /operating_model/cells/base_2027q4_operating_cash_uses:base/formula/op | None | sum |
| /operating_model/cells/base_2027q4_operating_cash_uses:base/formula/refs/0 | None | base_2027q4_cash_tax |
| /operating_model/cells/base_2027q4_operating_cash_uses:base/formula/refs/1 | None | base_2027q4_working_capital_use |
| /operating_model/cells/base_2027q4_operating_cash_uses:base/id | None | base_2027q4_operating_cash_uses |
| /operating_model/cells/base_2027q4_operating_cash_uses:base/kind | None | derived |
| /operating_model/cells/base_2027q4_operating_cash_uses:base/label | None | Cash tax and other operating timing |
| /operating_model/cells/base_2027q4_operating_cash_uses:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_operating_cash_uses:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_operating_cash_uses:base/value | None | 71.42380000000001 |
| /operating_model/cells/base_2027q4_operating_income:base/basis | None | No Grasshopper synergies or one-time transaction recovery assumed. |
| /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_net_revenue |
| /operating_model/cells/base_2027q4_operating_income:base/formula/refs/1 | None | base_2027q4_opex |
| /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 | GAAP 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 | 322.62000000000006 |
| /operating_model/cells/base_2027q4_operations:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q4_operations:base/case | None | base |
| /operating_model/cells/base_2027q4_operations:base/id | None | base_2027q4_operations |
| /operating_model/cells/base_2027q4_operations:base/kind | None | assumption |
| /operating_model/cells/base_2027q4_operations:base/label | None | Operations and technology |
| /operating_model/cells/base_2027q4_operations:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_operations:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_operations:base/value | None | 107.0 |
| /operating_model/cells/base_2027q4_opex:base/basis | None | SBC is already within departmental expense; add back only in cash bridge. |
| /operating_model/cells/base_2027q4_opex:base/case | None | base |
| /operating_model/cells/base_2027q4_opex:base/formula/op | None | sum |
| /operating_model/cells/base_2027q4_opex:base/formula/refs/0 | None | base_2027q4_marketing |
| /operating_model/cells/base_2027q4_opex:base/formula/refs/1 | None | base_2027q4_operations |
| /operating_model/cells/base_2027q4_opex:base/formula/refs/2 | None | base_2027q4_ga |
| /operating_model/cells/base_2027q4_opex:base/formula/refs/3 | None | base_2027q4_da |
| /operating_model/cells/base_2027q4_opex:base/id | None | base_2027q4_opex |
| /operating_model/cells/base_2027q4_opex:base/kind | None | derived |
| /operating_model/cells/base_2027q4_opex:base/label | None | Operating expense |
| /operating_model/cells/base_2027q4_opex:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_opex:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_opex:base/value | None | 458.3 |
| /operating_model/cells/base_2027q4_other_revenue:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q4_other_revenue:base/case | None | base |
| /operating_model/cells/base_2027q4_other_revenue:base/id | None | base_2027q4_other_revenue |
| /operating_model/cells/base_2027q4_other_revenue:base/kind | None | assumption |
| /operating_model/cells/base_2027q4_other_revenue:base/label | None | Other revenue |
| /operating_model/cells/base_2027q4_other_revenue:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_other_revenue:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_other_revenue:base/value | None | 18.0 |
| /operating_model/cells/base_2027q4_pretax:base/basis | None | No speculative nonoperating gains. |
| /operating_model/cells/base_2027q4_pretax:base/case | None | base |
| /operating_model/cells/base_2027q4_pretax:base/formula/op | None | subtract |
| /operating_model/cells/base_2027q4_pretax:base/formula/refs/0 | None | base_2027q4_operating_income |
| /operating_model/cells/base_2027q4_pretax:base/formula/refs/1 | None | base_2027q4_interest |
| /operating_model/cells/base_2027q4_pretax:base/id | None | base_2027q4_pretax |
| /operating_model/cells/base_2027q4_pretax:base/kind | None | derived |
| /operating_model/cells/base_2027q4_pretax:base/label | None | Pretax earnings proxy |
| /operating_model/cells/base_2027q4_pretax:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_pretax:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_pretax:base/value | None | 193.43250000000006 |
| /operating_model/cells/base_2027q4_principal_receipts:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q4_principal_receipts:base/case | None | base |
| /operating_model/cells/base_2027q4_principal_receipts:base/id | None | base_2027q4_principal_receipts |
| /operating_model/cells/base_2027q4_principal_receipts:base/kind | None | assumption |
| /operating_model/cells/base_2027q4_principal_receipts:base/label | None | Cash principal collections |
| /operating_model/cells/base_2027q4_principal_receipts:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_principal_receipts:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_principal_receipts:base/value | None | 2400.0 |
| /operating_model/cells/base_2027q4_quarter_fraction:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q4_quarter_fraction:base/case | None | base |
| /operating_model/cells/base_2027q4_quarter_fraction:base/id | None | base_2027q4_quarter_fraction |
| /operating_model/cells/base_2027q4_quarter_fraction:base/kind | None | assumption |
| /operating_model/cells/base_2027q4_quarter_fraction:base/label | None | Quarter of annual rate |
| /operating_model/cells/base_2027q4_quarter_fraction:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_quarter_fraction:base/unit | None | ratio |
| /operating_model/cells/base_2027q4_quarter_fraction:base/value | None | 0.25 |
| /operating_model/cells/base_2027q4_revenue:base/basis | None | No bank acquisition contribution. |
| /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_consumer_revenue |
| /operating_model/cells/base_2027q4_revenue:base/formula/refs/1 | None | base_2027q4_business_revenue |
| /operating_model/cells/base_2027q4_revenue:base/formula/refs/2 | None | base_2027q4_other_revenue |
| /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 | Total 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 | 1290.0 |
| /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 | SBC expense |
| /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 | 11.0 |
| /operating_model/cells/base_2027q4_working_capital_use:base/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/base_2027q4_working_capital_use:base/case | None | base |
| /operating_model/cells/base_2027q4_working_capital_use:base/id | None | base_2027q4_working_capital_use |
| /operating_model/cells/base_2027q4_working_capital_use:base/kind | None | assumption |
| /operating_model/cells/base_2027q4_working_capital_use:base/label | None | Net other cash use |
| /operating_model/cells/base_2027q4_working_capital_use:base/period | None | 2027Q4 |
| /operating_model/cells/base_2027q4_working_capital_use:base/unit | None | USD_millions |
| /operating_model/cells/base_2027q4_working_capital_use:base/value | None | 25.0 |
| /operating_model/cells/base_fy2026_buybacks:base/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/base_fy2026_buybacks:base/case | None | base |
| /operating_model/cells/base_fy2026_buybacks:base/formula/op | None | sum |
| /operating_model/cells/base_fy2026_buybacks:base/formula/refs/0 | None | h1_buybacks |
| /operating_model/cells/base_fy2026_buybacks:base/formula/refs/1 | None | base_2026q3_buybacks |
| /operating_model/cells/base_fy2026_buybacks:base/formula/refs/2 | None | base_2026q4_buybacks |
| /operating_model/cells/base_fy2026_buybacks:base/id | None | base_fy2026_buybacks |
| /operating_model/cells/base_fy2026_buybacks:base/kind | None | derived |
| /operating_model/cells/base_fy2026_buybacks:base/label | None | Share repurchase cash ($M) |
| /operating_model/cells/base_fy2026_buybacks:base/period | None | FY2026 |
| /operating_model/cells/base_fy2026_buybacks:base/unit | None | USD_millions |
| /operating_model/cells/base_fy2026_buybacks:base/value | None | 159.37 |
| /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 | Cash fixed assets and software ($M) |
| /operating_model/cells/base_fy2026_capex:base/period | None | FY2026 |
| /operating_model/cells/base_fy2026_capex:base/unit | None | USD_millions |
| /operating_model/cells/base_fy2026_capex:base/value | None | 50.364999999999995 |
| /operating_model/cells/base_fy2026_cash_after_claims:base/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/base_fy2026_cash_after_claims:base/case | None | base |
| /operating_model/cells/base_fy2026_cash_after_claims:base/formula/op | None | sum |
| /operating_model/cells/base_fy2026_cash_after_claims:base/formula/refs/0 | None | h1_cash_after_claims |
| /operating_model/cells/base_fy2026_cash_after_claims:base/formula/refs/1 | None | base_2026q3_cash_after_claims |
| /operating_model/cells/base_fy2026_cash_after_claims:base/formula/refs/2 | None | base_2026q4_cash_after_claims |
| /operating_model/cells/base_fy2026_cash_after_claims:base/id | None | base_fy2026_cash_after_claims |
| /operating_model/cells/base_fy2026_cash_after_claims:base/kind | None | derived |
| /operating_model/cells/base_fy2026_cash_after_claims:base/label | None | Cash after lending and repurchases ($M) |
| /operating_model/cells/base_fy2026_cash_after_claims:base/period | None | FY2026 |
| /operating_model/cells/base_fy2026_cash_after_claims:base/unit | None | USD_millions |
| /operating_model/cells/base_fy2026_cash_after_claims:base/value | None | -995.2589886299996 |
| /operating_model/cells/base_fy2026_cash_after_lending: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_lending:base/case | None | base |
| /operating_model/cells/base_fy2026_cash_after_lending:base/formula/op | None | sum |
| /operating_model/cells/base_fy2026_cash_after_lending:base/formula/refs/0 | None | h1_cash_after_lending |
| /operating_model/cells/base_fy2026_cash_after_lending:base/formula/refs/1 | None | base_2026q3_cash_after_lending |
| /operating_model/cells/base_fy2026_cash_after_lending:base/formula/refs/2 | None | base_2026q4_cash_after_lending |
| /operating_model/cells/base_fy2026_cash_after_lending:base/id | None | base_fy2026_cash_after_lending |
| /operating_model/cells/base_fy2026_cash_after_lending:base/kind | None | derived |
| /operating_model/cells/base_fy2026_cash_after_lending:base/label | None | Cash after capex and loan investment ($M) |
| /operating_model/cells/base_fy2026_cash_after_lending:base/period | None | FY2026 |
| /operating_model/cells/base_fy2026_cash_after_lending:base/unit | None | USD_millions |
| /operating_model/cells/base_fy2026_cash_after_lending:base/value | None | -835.8889886299996 |
| /operating_model/cells/base_fy2026_cfo:base/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/base_fy2026_cfo:base/case | None | base |
| /operating_model/cells/base_fy2026_cfo:base/formula/op | None | sum |
| /operating_model/cells/base_fy2026_cfo:base/formula/refs/0 | None | h1_cfo |
| /operating_model/cells/base_fy2026_cfo:base/formula/refs/1 | None | base_2026q3_cfo |
| /operating_model/cells/base_fy2026_cfo:base/formula/refs/2 | None | base_2026q4_cfo |
| /operating_model/cells/base_fy2026_cfo:base/id | None | base_fy2026_cfo |
| /operating_model/cells/base_fy2026_cfo:base/kind | None | derived |
| /operating_model/cells/base_fy2026_cfo:base/label | None | Operating cash before loan investment ($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 | 2062.4490113700003 |
| /operating_model/cells/base_fy2026_credit_cost:base/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/base_fy2026_credit_cost:base/case | None | base |
| /operating_model/cells/base_fy2026_credit_cost:base/formula/op | None | sum |
| /operating_model/cells/base_fy2026_credit_cost:base/formula/refs/0 | None | h1_credit_cost |
| /operating_model/cells/base_fy2026_credit_cost:base/formula/refs/1 | None | base_2026q3_credit_cost |
| /operating_model/cells/base_fy2026_credit_cost:base/formula/refs/2 | None | base_2026q4_credit_cost |
| /operating_model/cells/base_fy2026_credit_cost:base/id | None | base_fy2026_credit_cost |
| /operating_model/cells/base_fy2026_credit_cost:base/kind | None | derived |
| /operating_model/cells/base_fy2026_credit_cost:base/label | None | Fair-value expense ($M) |
| /operating_model/cells/base_fy2026_credit_cost:base/period | None | FY2026 |
| /operating_model/cells/base_fy2026_credit_cost:base/unit | None | USD_millions |
| /operating_model/cells/base_fy2026_credit_cost:base/value | None | 1522.436662625 |
| /operating_model/cells/base_fy2026_interest:base/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/base_fy2026_interest:base/case | None | base |
| /operating_model/cells/base_fy2026_interest:base/formula/op | None | sum |
| /operating_model/cells/base_fy2026_interest:base/formula/refs/0 | None | h1_interest |
| /operating_model/cells/base_fy2026_interest:base/formula/refs/1 | None | base_2026q3_interest |
| /operating_model/cells/base_fy2026_interest:base/formula/refs/2 | None | base_2026q4_interest |
| /operating_model/cells/base_fy2026_interest:base/id | None | base_fy2026_interest |
| /operating_model/cells/base_fy2026_interest:base/kind | None | derived |
| /operating_model/cells/base_fy2026_interest:base/label | None | Net funding/corporate interest ($M) |
| /operating_model/cells/base_fy2026_interest:base/period | None | FY2026 |
| /operating_model/cells/base_fy2026_interest:base/unit | None | USD_millions |
| /operating_model/cells/base_fy2026_interest:base/value | None | 402.9515 |
| /operating_model/cells/base_fy2026_loan_investment:base/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/base_fy2026_loan_investment:base/case | None | base |
| /operating_model/cells/base_fy2026_loan_investment:base/formula/op | None | sum |
| /operating_model/cells/base_fy2026_loan_investment:base/formula/refs/0 | None | h1_loan_investment |
| /operating_model/cells/base_fy2026_loan_investment:base/formula/refs/1 | None | base_2026q3_loan_investment |
| /operating_model/cells/base_fy2026_loan_investment:base/formula/refs/2 | None | base_2026q4_loan_investment |
| /operating_model/cells/base_fy2026_loan_investment:base/id | None | base_fy2026_loan_investment |
| /operating_model/cells/base_fy2026_loan_investment:base/kind | None | derived |
| /operating_model/cells/base_fy2026_loan_investment:base/label | None | Cash loan originations less principal receipts ($M) |
| /operating_model/cells/base_fy2026_loan_investment:base/period | None | FY2026 |
| /operating_model/cells/base_fy2026_loan_investment:base/unit | None | USD_millions |
| /operating_model/cells/base_fy2026_loan_investment:base/value | None | 2847.973 |
| /operating_model/cells/base_fy2026_net_revenue:base/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/base_fy2026_net_revenue:base/case | None | base |
| /operating_model/cells/base_fy2026_net_revenue:base/formula/op | None | sum |
| /operating_model/cells/base_fy2026_net_revenue:base/formula/refs/0 | None | h1_net_revenue |
| /operating_model/cells/base_fy2026_net_revenue:base/formula/refs/1 | None | base_2026q3_net_revenue |
| /operating_model/cells/base_fy2026_net_revenue:base/formula/refs/2 | None | base_2026q4_net_revenue |
| /operating_model/cells/base_fy2026_net_revenue:base/id | None | base_fy2026_net_revenue |
| /operating_model/cells/base_fy2026_net_revenue:base/kind | None | derived |
| /operating_model/cells/base_fy2026_net_revenue:base/label | None | Revenue after fair-value expense ($M) |
| /operating_model/cells/base_fy2026_net_revenue:base/period | None | FY2026 |
| /operating_model/cells/base_fy2026_net_revenue:base/unit | None | USD_millions |
| /operating_model/cells/base_fy2026_net_revenue:base/value | None | 2338.3382623750003 |
| /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 | GAAP operating income proxy ($M) |
| /operating_model/cells/base_fy2026_operating_income:base/period | None | FY2026 |
| /operating_model/cells/base_fy2026_operating_income:base/unit | None | USD_millions |
| /operating_model/cells/base_fy2026_operating_income:base/value | None | 949.7909588750003 |
| /operating_model/cells/base_fy2026_pretax:base/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/base_fy2026_pretax:base/case | None | base |
| /operating_model/cells/base_fy2026_pretax:base/formula/op | None | sum |
| /operating_model/cells/base_fy2026_pretax:base/formula/refs/0 | None | h1_pretax |
| /operating_model/cells/base_fy2026_pretax:base/formula/refs/1 | None | base_2026q3_pretax |
| /operating_model/cells/base_fy2026_pretax:base/formula/refs/2 | None | base_2026q4_pretax |
| /operating_model/cells/base_fy2026_pretax:base/id | None | base_fy2026_pretax |
| /operating_model/cells/base_fy2026_pretax:base/kind | None | derived |
| /operating_model/cells/base_fy2026_pretax:base/label | None | Pretax earnings proxy ($M) |
| /operating_model/cells/base_fy2026_pretax:base/period | None | FY2026 |
| /operating_model/cells/base_fy2026_pretax:base/unit | None | USD_millions |
| /operating_model/cells/base_fy2026_pretax:base/value | None | 547.4224588750003 |
| /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 | Total revenue ($M) |
| /operating_model/cells/base_fy2026_revenue:base/period | None | FY2026 |
| /operating_model/cells/base_fy2026_revenue:base/unit | None | USD_millions |
| /operating_model/cells/base_fy2026_revenue:base/value | None | 3860.7749250000006 |
| /operating_model/cells/base_fy2027_buybacks:base/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/base_fy2027_buybacks:base/case | None | base |
| /operating_model/cells/base_fy2027_buybacks:base/formula/op | None | sum |
| /operating_model/cells/base_fy2027_buybacks:base/formula/refs/0 | None | base_2027q1_buybacks |
| /operating_model/cells/base_fy2027_buybacks:base/formula/refs/1 | None | base_2027q2_buybacks |
| /operating_model/cells/base_fy2027_buybacks:base/formula/refs/2 | None | base_2027q3_buybacks |
| /operating_model/cells/base_fy2027_buybacks:base/formula/refs/3 | None | base_2027q4_buybacks |
| /operating_model/cells/base_fy2027_buybacks:base/id | None | base_fy2027_buybacks |
| /operating_model/cells/base_fy2027_buybacks:base/kind | None | derived |
| /operating_model/cells/base_fy2027_buybacks:base/label | None | Share repurchase cash ($M) |
| /operating_model/cells/base_fy2027_buybacks:base/period | None | FY2027 |
| /operating_model/cells/base_fy2027_buybacks:base/unit | None | USD_millions |
| /operating_model/cells/base_fy2027_buybacks:base/value | None | 140.0 |
| /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 | Cash fixed assets and software ($M) |
| /operating_model/cells/base_fy2027_capex:base/period | None | FY2027 |
| /operating_model/cells/base_fy2027_capex:base/unit | None | USD_millions |
| /operating_model/cells/base_fy2027_capex:base/value | None | 66.0 |
| /operating_model/cells/base_fy2027_cash_after_claims:base/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/base_fy2027_cash_after_claims:base/case | None | base |
| /operating_model/cells/base_fy2027_cash_after_claims:base/formula/op | None | sum |
| /operating_model/cells/base_fy2027_cash_after_claims:base/formula/refs/0 | None | base_2027q1_cash_after_claims |
| /operating_model/cells/base_fy2027_cash_after_claims:base/formula/refs/1 | None | base_2027q2_cash_after_claims |
| /operating_model/cells/base_fy2027_cash_after_claims:base/formula/refs/2 | None | base_2027q3_cash_after_claims |
| /operating_model/cells/base_fy2027_cash_after_claims:base/formula/refs/3 | None | base_2027q4_cash_after_claims |
| /operating_model/cells/base_fy2027_cash_after_claims:base/id | None | base_fy2027_cash_after_claims |
| /operating_model/cells/base_fy2027_cash_after_claims:base/kind | None | derived |
| /operating_model/cells/base_fy2027_cash_after_claims:base/label | None | Cash after lending and repurchases ($M) |
| /operating_model/cells/base_fy2027_cash_after_claims:base/period | None | FY2027 |
| /operating_model/cells/base_fy2027_cash_after_claims:base/unit | None | USD_millions |
| /operating_model/cells/base_fy2027_cash_after_claims:base/value | None | -895.4031 |
| /operating_model/cells/base_fy2027_cash_after_lending: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_lending:base/case | None | base |
| /operating_model/cells/base_fy2027_cash_after_lending:base/formula/op | None | sum |
| /operating_model/cells/base_fy2027_cash_after_lending:base/formula/refs/0 | None | base_2027q1_cash_after_lending |
| /operating_model/cells/base_fy2027_cash_after_lending:base/formula/refs/1 | None | base_2027q2_cash_after_lending |
| /operating_model/cells/base_fy2027_cash_after_lending:base/formula/refs/2 | None | base_2027q3_cash_after_lending |
| /operating_model/cells/base_fy2027_cash_after_lending:base/formula/refs/3 | None | base_2027q4_cash_after_lending |
| /operating_model/cells/base_fy2027_cash_after_lending:base/id | None | base_fy2027_cash_after_lending |
| /operating_model/cells/base_fy2027_cash_after_lending:base/kind | None | derived |
| /operating_model/cells/base_fy2027_cash_after_lending:base/label | None | Cash after capex and loan investment ($M) |
| /operating_model/cells/base_fy2027_cash_after_lending:base/period | None | FY2027 |
| /operating_model/cells/base_fy2027_cash_after_lending:base/unit | None | USD_millions |
| /operating_model/cells/base_fy2027_cash_after_lending:base/value | None | -755.4031 |
| /operating_model/cells/base_fy2027_cfo:base/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/base_fy2027_cfo:base/case | None | base |
| /operating_model/cells/base_fy2027_cfo:base/formula/op | None | sum |
| /operating_model/cells/base_fy2027_cfo:base/formula/refs/0 | None | base_2027q1_cfo |
| /operating_model/cells/base_fy2027_cfo:base/formula/refs/1 | None | base_2027q2_cfo |
| /operating_model/cells/base_fy2027_cfo:base/formula/refs/2 | None | base_2027q3_cfo |
| /operating_model/cells/base_fy2027_cfo:base/formula/refs/3 | None | base_2027q4_cfo |
| /operating_model/cells/base_fy2027_cfo:base/id | None | base_fy2027_cfo |
| /operating_model/cells/base_fy2027_cfo:base/kind | None | derived |
| /operating_model/cells/base_fy2027_cfo:base/label | None | Operating cash before loan investment ($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 | 2400.5969 |
| /operating_model/cells/base_fy2027_credit_cost:base/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/base_fy2027_credit_cost:base/case | None | base |
| /operating_model/cells/base_fy2027_credit_cost:base/formula/op | None | sum |
| /operating_model/cells/base_fy2027_credit_cost:base/formula/refs/0 | None | base_2027q1_credit_cost |
| /operating_model/cells/base_fy2027_credit_cost:base/formula/refs/1 | None | base_2027q2_credit_cost |
| /operating_model/cells/base_fy2027_credit_cost:base/formula/refs/2 | None | base_2027q3_credit_cost |
| /operating_model/cells/base_fy2027_credit_cost:base/formula/refs/3 | None | base_2027q4_credit_cost |
| /operating_model/cells/base_fy2027_credit_cost:base/id | None | base_fy2027_credit_cost |
| /operating_model/cells/base_fy2027_credit_cost:base/kind | None | derived |
| /operating_model/cells/base_fy2027_credit_cost:base/label | None | Fair-value expense ($M) |
| /operating_model/cells/base_fy2027_credit_cost:base/period | None | FY2027 |
| /operating_model/cells/base_fy2027_credit_cost:base/unit | None | USD_millions |
| /operating_model/cells/base_fy2027_credit_cost:base/value | None | 1878.7849999999999 |
| /operating_model/cells/base_fy2027_interest:base/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/base_fy2027_interest:base/case | None | base |
| /operating_model/cells/base_fy2027_interest:base/formula/op | None | sum |
| /operating_model/cells/base_fy2027_interest:base/formula/refs/0 | None | base_2027q1_interest |
| /operating_model/cells/base_fy2027_interest:base/formula/refs/1 | None | base_2027q2_interest |
| /operating_model/cells/base_fy2027_interest:base/formula/refs/2 | None | base_2027q3_interest |
| /operating_model/cells/base_fy2027_interest:base/formula/refs/3 | None | base_2027q4_interest |
| /operating_model/cells/base_fy2027_interest:base/id | None | base_fy2027_interest |
| /operating_model/cells/base_fy2027_interest:base/kind | None | derived |
| /operating_model/cells/base_fy2027_interest:base/label | None | Net funding/corporate interest ($M) |
| /operating_model/cells/base_fy2027_interest:base/period | None | FY2027 |
| /operating_model/cells/base_fy2027_interest:base/unit | None | USD_millions |
| /operating_model/cells/base_fy2027_interest:base/value | None | 481.1625 |
| /operating_model/cells/base_fy2027_loan_investment:base/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/base_fy2027_loan_investment:base/case | None | base |
| /operating_model/cells/base_fy2027_loan_investment:base/formula/op | None | sum |
| /operating_model/cells/base_fy2027_loan_investment:base/formula/refs/0 | None | base_2027q1_loan_investment |
| /operating_model/cells/base_fy2027_loan_investment:base/formula/refs/1 | None | base_2027q2_loan_investment |
| /operating_model/cells/base_fy2027_loan_investment:base/formula/refs/2 | None | base_2027q3_loan_investment |
| /operating_model/cells/base_fy2027_loan_investment:base/formula/refs/3 | None | base_2027q4_loan_investment |
| /operating_model/cells/base_fy2027_loan_investment:base/id | None | base_fy2027_loan_investment |
| /operating_model/cells/base_fy2027_loan_investment:base/kind | None | derived |
| /operating_model/cells/base_fy2027_loan_investment:base/label | None | Cash loan originations less principal receipts ($M) |
| /operating_model/cells/base_fy2027_loan_investment:base/period | None | FY2027 |
| /operating_model/cells/base_fy2027_loan_investment:base/unit | None | USD_millions |
| /operating_model/cells/base_fy2027_loan_investment:base/value | None | 3090.0 |
| /operating_model/cells/base_fy2027_net_revenue:base/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/base_fy2027_net_revenue:base/case | None | base |
| /operating_model/cells/base_fy2027_net_revenue:base/formula/op | None | sum |
| /operating_model/cells/base_fy2027_net_revenue:base/formula/refs/0 | None | base_2027q1_net_revenue |
| /operating_model/cells/base_fy2027_net_revenue:base/formula/refs/1 | None | base_2027q2_net_revenue |
| /operating_model/cells/base_fy2027_net_revenue:base/formula/refs/2 | None | base_2027q3_net_revenue |
| /operating_model/cells/base_fy2027_net_revenue:base/formula/refs/3 | None | base_2027q4_net_revenue |
| /operating_model/cells/base_fy2027_net_revenue:base/id | None | base_fy2027_net_revenue |
| /operating_model/cells/base_fy2027_net_revenue:base/kind | None | derived |
| /operating_model/cells/base_fy2027_net_revenue:base/label | None | Revenue after fair-value expense ($M) |
| /operating_model/cells/base_fy2027_net_revenue:base/period | None | FY2027 |
| /operating_model/cells/base_fy2027_net_revenue:base/unit | None | USD_millions |
| /operating_model/cells/base_fy2027_net_revenue:base/value | None | 2876.215 |
| /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 | GAAP operating income proxy ($M) |
| /operating_model/cells/base_fy2027_operating_income:base/period | None | FY2027 |
| /operating_model/cells/base_fy2027_operating_income:base/unit | None | USD_millions |
| /operating_model/cells/base_fy2027_operating_income:base/value | None | 1175.9150000000002 |
| /operating_model/cells/base_fy2027_pretax:base/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/base_fy2027_pretax:base/case | None | base |
| /operating_model/cells/base_fy2027_pretax:base/formula/op | None | sum |
| /operating_model/cells/base_fy2027_pretax:base/formula/refs/0 | None | base_2027q1_pretax |
| /operating_model/cells/base_fy2027_pretax:base/formula/refs/1 | None | base_2027q2_pretax |
| /operating_model/cells/base_fy2027_pretax:base/formula/refs/2 | None | base_2027q3_pretax |
| /operating_model/cells/base_fy2027_pretax:base/formula/refs/3 | None | base_2027q4_pretax |
| /operating_model/cells/base_fy2027_pretax:base/id | None | base_fy2027_pretax |
| /operating_model/cells/base_fy2027_pretax:base/kind | None | derived |
| /operating_model/cells/base_fy2027_pretax:base/label | None | Pretax earnings proxy ($M) |
| /operating_model/cells/base_fy2027_pretax:base/period | None | FY2027 |
| /operating_model/cells/base_fy2027_pretax:base/unit | None | USD_millions |
| /operating_model/cells/base_fy2027_pretax:base/value | None | 694.7525 |
| /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 | Total 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 | 4755.0 |
| /operating_model/cells/board_buyback:shared/basis | None | Reported consolidated amount, converted from thousands to millions. |
| /operating_model/cells/board_buyback:shared/case | None | shared |
| /operating_model/cells/board_buyback:shared/id | None | board_buyback |
| /operating_model/cells/board_buyback:shared/kind | None | reported |
| /operating_model/cells/board_buyback:shared/label | None | board buyback |
| /operating_model/cells/board_buyback:shared/period | None | June 2026 / comparison |
| /operating_model/cells/board_buyback:shared/source_date | None | 2026-07-23 |
| /operating_model/cells/board_buyback:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/1529864/000119312526314590/enva-20260630.htm |
| /operating_model/cells/board_buyback:shared/unit | None | USD_millions |
| /operating_model/cells/board_buyback:shared/value | None | 349.0 |
| /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 / comparison |
| /operating_model/cells/cash:shared/source_date | None | 2026-07-23 |
| /operating_model/cells/cash:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/1529864/000119312526314590/enva-20260630.htm |
| /operating_model/cells/cash:shared/unit | None | USD_millions |
| /operating_model/cells/cash:shared/value | None | 122.226 |
| /operating_model/cells/corporate_debt:shared/basis | None | Reported consolidated amount, converted from thousands to millions. |
| /operating_model/cells/corporate_debt:shared/case | None | shared |
| /operating_model/cells/corporate_debt:shared/id | None | corporate_debt |
| /operating_model/cells/corporate_debt:shared/kind | None | reported |
| /operating_model/cells/corporate_debt:shared/label | None | corporate debt |
| /operating_model/cells/corporate_debt:shared/period | None | June 2026 / comparison |
| /operating_model/cells/corporate_debt:shared/source_date | None | 2026-07-23 |
| /operating_model/cells/corporate_debt:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/1529864/000119312526314590/enva-20260630.htm |
| /operating_model/cells/corporate_debt:shared/unit | None | USD_millions |
| /operating_model/cells/corporate_debt:shared/value | None | 1479.0 |
| /operating_model/cells/covenant_buyback:shared/basis | None | Reported consolidated amount, converted from thousands to millions. |
| /operating_model/cells/covenant_buyback:shared/case | None | shared |
| /operating_model/cells/covenant_buyback:shared/id | None | covenant_buyback |
| /operating_model/cells/covenant_buyback:shared/kind | None | reported |
| /operating_model/cells/covenant_buyback:shared/label | None | covenant buyback |
| /operating_model/cells/covenant_buyback:shared/period | None | June 2026 / comparison |
| /operating_model/cells/covenant_buyback:shared/source_date | None | 2026-07-23 |
| /operating_model/cells/covenant_buyback:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/1529864/000119312526314590/enva-20260630.htm |
| /operating_model/cells/covenant_buyback:shared/unit | None | USD_millions |
| /operating_model/cells/covenant_buyback:shared/value | None | 218.0 |
| /operating_model/cells/downside_2026q3_annual_interest_rate:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q3_annual_interest_rate:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_annual_interest_rate:downside/id | None | downside_2026q3_annual_interest_rate |
| /operating_model/cells/downside_2026q3_annual_interest_rate:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q3_annual_interest_rate:downside/label | None | Net annual debt cost including fees |
| /operating_model/cells/downside_2026q3_annual_interest_rate:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_annual_interest_rate:downside/unit | None | ratio |
| /operating_model/cells/downside_2026q3_annual_interest_rate:downside/value | None | 0.085 |
| /operating_model/cells/downside_2026q3_average_debt:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q3_average_debt:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_average_debt:downside/id | None | downside_2026q3_average_debt |
| /operating_model/cells/downside_2026q3_average_debt:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q3_average_debt:downside/label | None | Average funded debt |
| /operating_model/cells/downside_2026q3_average_debt:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_average_debt:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_average_debt:downside/value | None | 5300.0 |
| /operating_model/cells/downside_2026q3_business_activity:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q3_business_activity:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_business_activity:downside/id | None | downside_2026q3_business_activity |
| /operating_model/cells/downside_2026q3_business_activity:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q3_business_activity:downside/label | None | Business average earning activity / Q2 |
| /operating_model/cells/downside_2026q3_business_activity:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_business_activity:downside/unit | None | ratio |
| /operating_model/cells/downside_2026q3_business_activity:downside/value | None | 1.0062148564664102 |
| /operating_model/cells/downside_2026q3_business_credit_cost:downside/basis | None | Credit and valuation sensitivity, not a cohort charge-off forecast. |
| /operating_model/cells/downside_2026q3_business_credit_cost:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_business_credit_cost:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2026q3_business_credit_cost:downside/formula/refs/0 | None | downside_2026q3_business_revenue |
| /operating_model/cells/downside_2026q3_business_credit_cost:downside/formula/refs/1 | None | downside_2026q3_business_credit_ratio |
| /operating_model/cells/downside_2026q3_business_credit_cost:downside/id | None | downside_2026q3_business_credit_cost |
| /operating_model/cells/downside_2026q3_business_credit_cost:downside/kind | None | derived |
| /operating_model/cells/downside_2026q3_business_credit_cost:downside/label | None | Business fair-value expense |
| /operating_model/cells/downside_2026q3_business_credit_cost:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_business_credit_cost:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_business_credit_cost:downside/value | None | 185.64 |
| /operating_model/cells/downside_2026q3_business_credit_ratio:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q3_business_credit_ratio:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_business_credit_ratio:downside/id | None | downside_2026q3_business_credit_ratio |
| /operating_model/cells/downside_2026q3_business_credit_ratio:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q3_business_credit_ratio:downside/label | None | Business fair-value expense / revenue |
| /operating_model/cells/downside_2026q3_business_credit_ratio:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_business_credit_ratio:downside/unit | None | ratio |
| /operating_model/cells/downside_2026q3_business_credit_ratio:downside/value | None | 0.42 |
| /operating_model/cells/downside_2026q3_business_revenue:downside/basis | None | Activity calibration and revenue yield can vary independently; includes interest and contractual fees. |
| /operating_model/cells/downside_2026q3_business_revenue:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_business_revenue:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2026q3_business_revenue:downside/formula/refs/0 | None | q2_business |
| /operating_model/cells/downside_2026q3_business_revenue:downside/formula/refs/1 | None | downside_2026q3_business_activity |
| /operating_model/cells/downside_2026q3_business_revenue:downside/formula/refs/2 | None | downside_2026q3_business_yield |
| /operating_model/cells/downside_2026q3_business_revenue:downside/id | None | downside_2026q3_business_revenue |
| /operating_model/cells/downside_2026q3_business_revenue:downside/kind | None | derived |
| /operating_model/cells/downside_2026q3_business_revenue:downside/label | None | Business lending revenue |
| /operating_model/cells/downside_2026q3_business_revenue:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_business_revenue:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_business_revenue:downside/value | None | 442.0 |
| /operating_model/cells/downside_2026q3_business_yield:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q3_business_yield:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_business_yield:downside/id | None | downside_2026q3_business_yield |
| /operating_model/cells/downside_2026q3_business_yield:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q3_business_yield:downside/label | None | Business revenue yield versus Q2 |
| /operating_model/cells/downside_2026q3_business_yield:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_business_yield:downside/unit | None | ratio |
| /operating_model/cells/downside_2026q3_business_yield:downside/value | None | 1.0 |
| /operating_model/cells/downside_2026q3_buybacks:downside/basis | None | Desk capital allocation; H2 $100M below June $218M covenant availability. Later authorization and covenant capacity remain conditions. |
| /operating_model/cells/downside_2026q3_buybacks:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_buybacks:downside/id | None | downside_2026q3_buybacks |
| /operating_model/cells/downside_2026q3_buybacks:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q3_buybacks:downside/label | None | Share repurchases |
| /operating_model/cells/downside_2026q3_buybacks:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_buybacks:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_buybacks:downside/value | None | 50.0 |
| /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 | Cash fixed assets and software |
| /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 | 13.0 |
| /operating_model/cells/downside_2026q3_cash_after_claims:downside/basis | None | Before debt amortization, refinancing, fees and reserve transfers; not equity distributable cash. |
| /operating_model/cells/downside_2026q3_cash_after_claims:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_cash_after_claims:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2026q3_cash_after_claims:downside/formula/refs/0 | None | downside_2026q3_cash_after_lending |
| /operating_model/cells/downside_2026q3_cash_after_claims:downside/formula/refs/1 | None | downside_2026q3_buybacks |
| /operating_model/cells/downside_2026q3_cash_after_claims:downside/id | None | downside_2026q3_cash_after_claims |
| /operating_model/cells/downside_2026q3_cash_after_claims:downside/kind | None | derived |
| /operating_model/cells/downside_2026q3_cash_after_claims:downside/label | None | Cash after lending and repurchases |
| /operating_model/cells/downside_2026q3_cash_after_claims:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_cash_after_claims:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_cash_after_claims:downside/value | None | -307.6664 |
| /operating_model/cells/downside_2026q3_cash_after_lending:downside/basis | None | No new debt proceeds included. |
| /operating_model/cells/downside_2026q3_cash_after_lending:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_cash_after_lending:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2026q3_cash_after_lending:downside/formula/refs/0 | None | downside_2026q3_cfo |
| /operating_model/cells/downside_2026q3_cash_after_lending:downside/formula/refs/1 | None | downside_2026q3_cash_investment |
| /operating_model/cells/downside_2026q3_cash_after_lending:downside/id | None | downside_2026q3_cash_after_lending |
| /operating_model/cells/downside_2026q3_cash_after_lending:downside/kind | None | derived |
| /operating_model/cells/downside_2026q3_cash_after_lending:downside/label | None | Cash after capex and loan investment |
| /operating_model/cells/downside_2026q3_cash_after_lending:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_cash_after_lending:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_cash_after_lending:downside/value | None | -257.6664 |
| /operating_model/cells/downside_2026q3_cash_investment:downside/basis | None | Loan growth can consume more than reported CFO. |
| /operating_model/cells/downside_2026q3_cash_investment:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_cash_investment:downside/formula/op | None | sum |
| /operating_model/cells/downside_2026q3_cash_investment:downside/formula/refs/0 | None | downside_2026q3_capex |
| /operating_model/cells/downside_2026q3_cash_investment:downside/formula/refs/1 | None | downside_2026q3_loan_investment |
| /operating_model/cells/downside_2026q3_cash_investment:downside/id | None | downside_2026q3_cash_investment |
| /operating_model/cells/downside_2026q3_cash_investment:downside/kind | None | derived |
| /operating_model/cells/downside_2026q3_cash_investment:downside/label | None | Cash capital and net loan investment |
| /operating_model/cells/downside_2026q3_cash_investment:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_cash_investment:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_cash_investment:downside/value | None | 733.0 |
| /operating_model/cells/downside_2026q3_cash_originations:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q3_cash_originations:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_cash_originations:downside/id | None | downside_2026q3_cash_originations |
| /operating_model/cells/downside_2026q3_cash_originations:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q3_cash_originations:downside/label | None | Cash loan originations |
| /operating_model/cells/downside_2026q3_cash_originations:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_cash_originations:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_cash_originations:downside/value | None | 2300.0 |
| /operating_model/cells/downside_2026q3_cash_tax:downside/basis | None | All configured pretax cases are positive; negative stress would require a cash-tax floor. |
| /operating_model/cells/downside_2026q3_cash_tax:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_cash_tax:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2026q3_cash_tax:downside/formula/refs/0 | None | downside_2026q3_pretax |
| /operating_model/cells/downside_2026q3_cash_tax:downside/formula/refs/1 | None | downside_2026q3_cash_tax_rate |
| /operating_model/cells/downside_2026q3_cash_tax:downside/id | None | downside_2026q3_cash_tax |
| /operating_model/cells/downside_2026q3_cash_tax:downside/kind | None | derived |
| /operating_model/cells/downside_2026q3_cash_tax:downside/label | None | Cash tax allowance |
| /operating_model/cells/downside_2026q3_cash_tax:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_cash_tax:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_cash_tax:downside/value | None | 13.1664 |
| /operating_model/cells/downside_2026q3_cash_tax_rate:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q3_cash_tax_rate:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_cash_tax_rate:downside/id | None | downside_2026q3_cash_tax_rate |
| /operating_model/cells/downside_2026q3_cash_tax_rate:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q3_cash_tax_rate:downside/label | None | Cash taxes / modeled pretax income |
| /operating_model/cells/downside_2026q3_cash_tax_rate:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_cash_tax_rate:downside/unit | None | ratio |
| /operating_model/cells/downside_2026q3_cash_tax_rate:downside/value | None | 0.24 |
| /operating_model/cells/downside_2026q3_cfo:downside/basis | None | Analytical CFO proxy; credit losses affect earnings and principal collections, not an extra cash expense. |
| /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_noncash_bridge |
| /operating_model/cells/downside_2026q3_cfo:downside/formula/refs/1 | None | downside_2026q3_operating_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 before loan investment |
| /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 | 475.3336 |
| /operating_model/cells/downside_2026q3_consumer_activity:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q3_consumer_activity:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_consumer_activity:downside/id | None | downside_2026q3_consumer_activity |
| /operating_model/cells/downside_2026q3_consumer_activity:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q3_consumer_activity:downside/label | None | Consumer average earning activity / Q2 |
| /operating_model/cells/downside_2026q3_consumer_activity:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_consumer_activity:downside/unit | None | ratio |
| /operating_model/cells/downside_2026q3_consumer_activity:downside/value | None | 1.0472980756945158 |
| /operating_model/cells/downside_2026q3_consumer_credit_cost:downside/basis | None | Credit and valuation sensitivity, not a cohort charge-off forecast. |
| /operating_model/cells/downside_2026q3_consumer_credit_cost:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_consumer_credit_cost:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2026q3_consumer_credit_cost:downside/formula/refs/0 | None | downside_2026q3_consumer_revenue |
| /operating_model/cells/downside_2026q3_consumer_credit_cost:downside/formula/refs/1 | None | downside_2026q3_consumer_credit_ratio |
| /operating_model/cells/downside_2026q3_consumer_credit_cost:downside/id | None | downside_2026q3_consumer_credit_cost |
| /operating_model/cells/downside_2026q3_consumer_credit_cost:downside/kind | None | derived |
| /operating_model/cells/downside_2026q3_consumer_credit_cost:downside/label | None | Consumer fair-value expense |
| /operating_model/cells/downside_2026q3_consumer_credit_cost:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_consumer_credit_cost:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_consumer_credit_cost:downside/value | None | 245.00000000000003 |
| /operating_model/cells/downside_2026q3_consumer_credit_ratio:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q3_consumer_credit_ratio:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_consumer_credit_ratio:downside/id | None | downside_2026q3_consumer_credit_ratio |
| /operating_model/cells/downside_2026q3_consumer_credit_ratio:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q3_consumer_credit_ratio:downside/label | None | Consumer fair-value expense / revenue |
| /operating_model/cells/downside_2026q3_consumer_credit_ratio:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_consumer_credit_ratio:downside/unit | None | ratio |
| /operating_model/cells/downside_2026q3_consumer_credit_ratio:downside/value | None | 0.49 |
| /operating_model/cells/downside_2026q3_consumer_revenue:downside/basis | None | Activity calibration and revenue yield can vary independently; includes interest and contractual fees. |
| /operating_model/cells/downside_2026q3_consumer_revenue:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_consumer_revenue:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2026q3_consumer_revenue:downside/formula/refs/0 | None | q2_consumer |
| /operating_model/cells/downside_2026q3_consumer_revenue:downside/formula/refs/1 | None | downside_2026q3_consumer_activity |
| /operating_model/cells/downside_2026q3_consumer_revenue:downside/formula/refs/2 | None | downside_2026q3_consumer_yield |
| /operating_model/cells/downside_2026q3_consumer_revenue:downside/id | None | downside_2026q3_consumer_revenue |
| /operating_model/cells/downside_2026q3_consumer_revenue:downside/kind | None | derived |
| /operating_model/cells/downside_2026q3_consumer_revenue:downside/label | None | Consumer lending revenue |
| /operating_model/cells/downside_2026q3_consumer_revenue:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_consumer_revenue:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_consumer_revenue:downside/value | None | 500.00000000000006 |
| /operating_model/cells/downside_2026q3_consumer_yield:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q3_consumer_yield:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_consumer_yield:downside/id | None | downside_2026q3_consumer_yield |
| /operating_model/cells/downside_2026q3_consumer_yield:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q3_consumer_yield:downside/label | None | Consumer revenue yield versus Q2 |
| /operating_model/cells/downside_2026q3_consumer_yield:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_consumer_yield:downside/unit | None | ratio |
| /operating_model/cells/downside_2026q3_consumer_yield:downside/value | None | 1.0 |
| /operating_model/cells/downside_2026q3_credit_cost:downside/basis | None | No double counting of charge-offs below fair-value expense. |
| /operating_model/cells/downside_2026q3_credit_cost:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_credit_cost:downside/formula/op | None | sum |
| /operating_model/cells/downside_2026q3_credit_cost:downside/formula/refs/0 | None | downside_2026q3_consumer_credit_cost |
| /operating_model/cells/downside_2026q3_credit_cost:downside/formula/refs/1 | None | downside_2026q3_business_credit_cost |
| /operating_model/cells/downside_2026q3_credit_cost:downside/id | None | downside_2026q3_credit_cost |
| /operating_model/cells/downside_2026q3_credit_cost:downside/kind | None | derived |
| /operating_model/cells/downside_2026q3_credit_cost:downside/label | None | Total fair-value expense |
| /operating_model/cells/downside_2026q3_credit_cost:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_credit_cost:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_credit_cost:downside/value | None | 430.64 |
| /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 | Depreciation and amortization |
| /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 | 9.0 |
| /operating_model/cells/downside_2026q3_ga:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q3_ga:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_ga:downside/id | None | downside_2026q3_ga |
| /operating_model/cells/downside_2026q3_ga:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q3_ga:downside/label | None | General and administrative |
| /operating_model/cells/downside_2026q3_ga:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_ga:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_ga:downside/value | None | 49.0 |
| /operating_model/cells/downside_2026q3_interest:downside/basis | None | Blended cost for corporate and funding debt; commitments are not treated as draws. |
| /operating_model/cells/downside_2026q3_interest:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_interest:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2026q3_interest:downside/formula/refs/0 | None | downside_2026q3_average_debt |
| /operating_model/cells/downside_2026q3_interest:downside/formula/refs/1 | None | downside_2026q3_annual_interest_rate |
| /operating_model/cells/downside_2026q3_interest:downside/formula/refs/2 | None | downside_2026q3_quarter_fraction |
| /operating_model/cells/downside_2026q3_interest:downside/id | None | downside_2026q3_interest |
| /operating_model/cells/downside_2026q3_interest:downside/kind | None | derived |
| /operating_model/cells/downside_2026q3_interest:downside/label | None | Net funding and corporate interest |
| /operating_model/cells/downside_2026q3_interest:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_interest:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_interest:downside/value | None | 112.62500000000001 |
| /operating_model/cells/downside_2026q3_loan_investment:downside/basis | None | Excludes interest collections already in operating cash and noncash renewals. |
| /operating_model/cells/downside_2026q3_loan_investment:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_loan_investment:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2026q3_loan_investment:downside/formula/refs/0 | None | downside_2026q3_cash_originations |
| /operating_model/cells/downside_2026q3_loan_investment:downside/formula/refs/1 | None | downside_2026q3_principal_receipts |
| /operating_model/cells/downside_2026q3_loan_investment:downside/id | None | downside_2026q3_loan_investment |
| /operating_model/cells/downside_2026q3_loan_investment:downside/kind | None | derived |
| /operating_model/cells/downside_2026q3_loan_investment:downside/label | None | Net cash loan investment |
| /operating_model/cells/downside_2026q3_loan_investment:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_loan_investment:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_loan_investment:downside/value | None | 720.0 |
| /operating_model/cells/downside_2026q3_marketing:downside/basis | None | Acquisition expense retained in earnings. |
| /operating_model/cells/downside_2026q3_marketing:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_marketing:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2026q3_marketing:downside/formula/refs/0 | None | downside_2026q3_revenue |
| /operating_model/cells/downside_2026q3_marketing:downside/formula/refs/1 | None | downside_2026q3_marketing_ratio |
| /operating_model/cells/downside_2026q3_marketing:downside/id | None | downside_2026q3_marketing |
| /operating_model/cells/downside_2026q3_marketing:downside/kind | None | derived |
| /operating_model/cells/downside_2026q3_marketing:downside/label | None | Marketing expense |
| /operating_model/cells/downside_2026q3_marketing:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_marketing:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_marketing:downside/value | None | 214.875 |
| /operating_model/cells/downside_2026q3_marketing_ratio:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q3_marketing_ratio:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_marketing_ratio:downside/id | None | downside_2026q3_marketing_ratio |
| /operating_model/cells/downside_2026q3_marketing_ratio:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q3_marketing_ratio:downside/label | None | Marketing / revenue |
| /operating_model/cells/downside_2026q3_marketing_ratio:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_marketing_ratio:downside/unit | None | ratio |
| /operating_model/cells/downside_2026q3_marketing_ratio:downside/value | None | 0.225 |
| /operating_model/cells/downside_2026q3_net_revenue:downside/basis | None | Financial-company net revenue, not industrial gross profit. |
| /operating_model/cells/downside_2026q3_net_revenue:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_net_revenue:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2026q3_net_revenue:downside/formula/refs/0 | None | downside_2026q3_revenue |
| /operating_model/cells/downside_2026q3_net_revenue:downside/formula/refs/1 | None | downside_2026q3_credit_cost |
| /operating_model/cells/downside_2026q3_net_revenue:downside/id | None | downside_2026q3_net_revenue |
| /operating_model/cells/downside_2026q3_net_revenue:downside/kind | None | derived |
| /operating_model/cells/downside_2026q3_net_revenue:downside/label | None | Revenue after fair-value expense |
| /operating_model/cells/downside_2026q3_net_revenue:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_net_revenue:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_net_revenue:downside/value | None | 524.36 |
| /operating_model/cells/downside_2026q3_noncash_bridge:downside/basis | None | Fair-value expense assumed noncash here; loan receipts are modeled separately. |
| /operating_model/cells/downside_2026q3_noncash_bridge:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_noncash_bridge:downside/formula/op | None | sum |
| /operating_model/cells/downside_2026q3_noncash_bridge:downside/formula/refs/0 | None | downside_2026q3_pretax |
| /operating_model/cells/downside_2026q3_noncash_bridge:downside/formula/refs/1 | None | downside_2026q3_credit_cost |
| /operating_model/cells/downside_2026q3_noncash_bridge:downside/formula/refs/2 | None | downside_2026q3_da |
| /operating_model/cells/downside_2026q3_noncash_bridge:downside/formula/refs/3 | None | downside_2026q3_sbc |
| /operating_model/cells/downside_2026q3_noncash_bridge:downside/id | None | downside_2026q3_noncash_bridge |
| /operating_model/cells/downside_2026q3_noncash_bridge:downside/kind | None | derived |
| /operating_model/cells/downside_2026q3_noncash_bridge:downside/label | None | Pretax earnings plus noncash expenses |
| /operating_model/cells/downside_2026q3_noncash_bridge:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_noncash_bridge:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_noncash_bridge:downside/value | None | 503.5 |
| /operating_model/cells/downside_2026q3_operating_cash_uses:downside/basis | None | Covers fee amortization, tax timing and other operating balances, not cash loan originations. |
| /operating_model/cells/downside_2026q3_operating_cash_uses:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_operating_cash_uses:downside/formula/op | None | sum |
| /operating_model/cells/downside_2026q3_operating_cash_uses:downside/formula/refs/0 | None | downside_2026q3_cash_tax |
| /operating_model/cells/downside_2026q3_operating_cash_uses:downside/formula/refs/1 | None | downside_2026q3_working_capital_use |
| /operating_model/cells/downside_2026q3_operating_cash_uses:downside/id | None | downside_2026q3_operating_cash_uses |
| /operating_model/cells/downside_2026q3_operating_cash_uses:downside/kind | None | derived |
| /operating_model/cells/downside_2026q3_operating_cash_uses:downside/label | None | Cash tax and other operating timing |
| /operating_model/cells/downside_2026q3_operating_cash_uses:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_operating_cash_uses:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_operating_cash_uses:downside/value | None | 28.1664 |
| /operating_model/cells/downside_2026q3_operating_income:downside/basis | None | No Grasshopper synergies or one-time transaction recovery assumed. |
| /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_net_revenue |
| /operating_model/cells/downside_2026q3_operating_income:downside/formula/refs/1 | None | downside_2026q3_opex |
| /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 | GAAP 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 | 167.485 |
| /operating_model/cells/downside_2026q3_operations:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q3_operations:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_operations:downside/id | None | downside_2026q3_operations |
| /operating_model/cells/downside_2026q3_operations:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q3_operations:downside/label | None | Operations and technology |
| /operating_model/cells/downside_2026q3_operations:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_operations:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_operations:downside/value | None | 84.0 |
| /operating_model/cells/downside_2026q3_opex:downside/basis | None | SBC is already within departmental expense; add back only in cash bridge. |
| /operating_model/cells/downside_2026q3_opex:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_opex:downside/formula/op | None | sum |
| /operating_model/cells/downside_2026q3_opex:downside/formula/refs/0 | None | downside_2026q3_marketing |
| /operating_model/cells/downside_2026q3_opex:downside/formula/refs/1 | None | downside_2026q3_operations |
| /operating_model/cells/downside_2026q3_opex:downside/formula/refs/2 | None | downside_2026q3_ga |
| /operating_model/cells/downside_2026q3_opex:downside/formula/refs/3 | None | downside_2026q3_da |
| /operating_model/cells/downside_2026q3_opex:downside/id | None | downside_2026q3_opex |
| /operating_model/cells/downside_2026q3_opex:downside/kind | None | derived |
| /operating_model/cells/downside_2026q3_opex:downside/label | None | Operating expense |
| /operating_model/cells/downside_2026q3_opex:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_opex:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_opex:downside/value | None | 356.875 |
| /operating_model/cells/downside_2026q3_other_revenue:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q3_other_revenue:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_other_revenue:downside/id | None | downside_2026q3_other_revenue |
| /operating_model/cells/downside_2026q3_other_revenue:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q3_other_revenue:downside/label | None | Other revenue |
| /operating_model/cells/downside_2026q3_other_revenue:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_other_revenue:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_other_revenue:downside/value | None | 13.0 |
| /operating_model/cells/downside_2026q3_pretax:downside/basis | None | No speculative nonoperating gains. |
| /operating_model/cells/downside_2026q3_pretax:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_pretax:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2026q3_pretax:downside/formula/refs/0 | None | downside_2026q3_operating_income |
| /operating_model/cells/downside_2026q3_pretax:downside/formula/refs/1 | None | downside_2026q3_interest |
| /operating_model/cells/downside_2026q3_pretax:downside/id | None | downside_2026q3_pretax |
| /operating_model/cells/downside_2026q3_pretax:downside/kind | None | derived |
| /operating_model/cells/downside_2026q3_pretax:downside/label | None | Pretax earnings proxy |
| /operating_model/cells/downside_2026q3_pretax:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_pretax:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_pretax:downside/value | None | 54.86 |
| /operating_model/cells/downside_2026q3_principal_receipts:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q3_principal_receipts:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_principal_receipts:downside/id | None | downside_2026q3_principal_receipts |
| /operating_model/cells/downside_2026q3_principal_receipts:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q3_principal_receipts:downside/label | None | Cash principal collections |
| /operating_model/cells/downside_2026q3_principal_receipts:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_principal_receipts:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_principal_receipts:downside/value | None | 1580.0 |
| /operating_model/cells/downside_2026q3_quarter_fraction:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q3_quarter_fraction:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_quarter_fraction:downside/id | None | downside_2026q3_quarter_fraction |
| /operating_model/cells/downside_2026q3_quarter_fraction:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q3_quarter_fraction:downside/label | None | Quarter of annual rate |
| /operating_model/cells/downside_2026q3_quarter_fraction:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_quarter_fraction:downside/unit | None | ratio |
| /operating_model/cells/downside_2026q3_quarter_fraction:downside/value | None | 0.25 |
| /operating_model/cells/downside_2026q3_revenue:downside/basis | None | No bank acquisition contribution. |
| /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_consumer_revenue |
| /operating_model/cells/downside_2026q3_revenue:downside/formula/refs/1 | None | downside_2026q3_business_revenue |
| /operating_model/cells/downside_2026q3_revenue:downside/formula/refs/2 | None | downside_2026q3_other_revenue |
| /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 | Total 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 | 955.0 |
| /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 | SBC expense |
| /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 | 9.0 |
| /operating_model/cells/downside_2026q3_working_capital_use:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q3_working_capital_use:downside/case | None | downside |
| /operating_model/cells/downside_2026q3_working_capital_use:downside/id | None | downside_2026q3_working_capital_use |
| /operating_model/cells/downside_2026q3_working_capital_use:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q3_working_capital_use:downside/label | None | Net other cash use |
| /operating_model/cells/downside_2026q3_working_capital_use:downside/period | None | 2026Q3 |
| /operating_model/cells/downside_2026q3_working_capital_use:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q3_working_capital_use:downside/value | None | 15.0 |
| /operating_model/cells/downside_2026q4_annual_interest_rate:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q4_annual_interest_rate:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_annual_interest_rate:downside/id | None | downside_2026q4_annual_interest_rate |
| /operating_model/cells/downside_2026q4_annual_interest_rate:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q4_annual_interest_rate:downside/label | None | Net annual debt cost including fees |
| /operating_model/cells/downside_2026q4_annual_interest_rate:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_annual_interest_rate:downside/unit | None | ratio |
| /operating_model/cells/downside_2026q4_annual_interest_rate:downside/value | None | 0.085 |
| /operating_model/cells/downside_2026q4_average_debt:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q4_average_debt:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_average_debt:downside/id | None | downside_2026q4_average_debt |
| /operating_model/cells/downside_2026q4_average_debt:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q4_average_debt:downside/label | None | Average funded debt |
| /operating_model/cells/downside_2026q4_average_debt:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_average_debt:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_average_debt:downside/value | None | 5450.0 |
| /operating_model/cells/downside_2026q4_business_activity:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q4_business_activity:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_business_activity:downside/id | None | downside_2026q4_business_activity |
| /operating_model/cells/downside_2026q4_business_activity:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q4_business_activity:downside/label | None | Business average earning activity / Q2 |
| /operating_model/cells/downside_2026q4_business_activity:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_business_activity:downside/unit | None | ratio |
| /operating_model/cells/downside_2026q4_business_activity:downside/value | None | 1.0608509572700162 |
| /operating_model/cells/downside_2026q4_business_credit_cost:downside/basis | None | Credit and valuation sensitivity, not a cohort charge-off forecast. |
| /operating_model/cells/downside_2026q4_business_credit_cost:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_business_credit_cost:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2026q4_business_credit_cost:downside/formula/refs/0 | None | downside_2026q4_business_revenue |
| /operating_model/cells/downside_2026q4_business_credit_cost:downside/formula/refs/1 | None | downside_2026q4_business_credit_ratio |
| /operating_model/cells/downside_2026q4_business_credit_cost:downside/id | None | downside_2026q4_business_credit_cost |
| /operating_model/cells/downside_2026q4_business_credit_cost:downside/kind | None | derived |
| /operating_model/cells/downside_2026q4_business_credit_cost:downside/label | None | Business fair-value expense |
| /operating_model/cells/downside_2026q4_business_credit_cost:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_business_credit_cost:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_business_credit_cost:downside/value | None | 195.72 |
| /operating_model/cells/downside_2026q4_business_credit_ratio:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q4_business_credit_ratio:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_business_credit_ratio:downside/id | None | downside_2026q4_business_credit_ratio |
| /operating_model/cells/downside_2026q4_business_credit_ratio:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q4_business_credit_ratio:downside/label | None | Business fair-value expense / revenue |
| /operating_model/cells/downside_2026q4_business_credit_ratio:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_business_credit_ratio:downside/unit | None | ratio |
| /operating_model/cells/downside_2026q4_business_credit_ratio:downside/value | None | 0.42 |
| /operating_model/cells/downside_2026q4_business_revenue:downside/basis | None | Activity calibration and revenue yield can vary independently; includes interest and contractual fees. |
| /operating_model/cells/downside_2026q4_business_revenue:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_business_revenue:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2026q4_business_revenue:downside/formula/refs/0 | None | q2_business |
| /operating_model/cells/downside_2026q4_business_revenue:downside/formula/refs/1 | None | downside_2026q4_business_activity |
| /operating_model/cells/downside_2026q4_business_revenue:downside/formula/refs/2 | None | downside_2026q4_business_yield |
| /operating_model/cells/downside_2026q4_business_revenue:downside/id | None | downside_2026q4_business_revenue |
| /operating_model/cells/downside_2026q4_business_revenue:downside/kind | None | derived |
| /operating_model/cells/downside_2026q4_business_revenue:downside/label | None | Business lending revenue |
| /operating_model/cells/downside_2026q4_business_revenue:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_business_revenue:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_business_revenue:downside/value | None | 466.0 |
| /operating_model/cells/downside_2026q4_business_yield:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q4_business_yield:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_business_yield:downside/id | None | downside_2026q4_business_yield |
| /operating_model/cells/downside_2026q4_business_yield:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q4_business_yield:downside/label | None | Business revenue yield versus Q2 |
| /operating_model/cells/downside_2026q4_business_yield:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_business_yield:downside/unit | None | ratio |
| /operating_model/cells/downside_2026q4_business_yield:downside/value | None | 1.0 |
| /operating_model/cells/downside_2026q4_buybacks:downside/basis | None | Desk capital allocation; H2 $100M below June $218M covenant availability. Later authorization and covenant capacity remain conditions. |
| /operating_model/cells/downside_2026q4_buybacks:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_buybacks:downside/id | None | downside_2026q4_buybacks |
| /operating_model/cells/downside_2026q4_buybacks:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q4_buybacks:downside/label | None | Share repurchases |
| /operating_model/cells/downside_2026q4_buybacks:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_buybacks:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_buybacks:downside/value | None | 50.0 |
| /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 | Cash fixed assets and software |
| /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 | 14.0 |
| /operating_model/cells/downside_2026q4_cash_after_claims:downside/basis | None | Before debt amortization, refinancing, fees and reserve transfers; not equity distributable cash. |
| /operating_model/cells/downside_2026q4_cash_after_claims:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_cash_after_claims:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2026q4_cash_after_claims:downside/formula/refs/0 | None | downside_2026q4_cash_after_lending |
| /operating_model/cells/downside_2026q4_cash_after_claims:downside/formula/refs/1 | None | downside_2026q4_buybacks |
| /operating_model/cells/downside_2026q4_cash_after_claims:downside/id | None | downside_2026q4_cash_after_claims |
| /operating_model/cells/downside_2026q4_cash_after_claims:downside/kind | None | derived |
| /operating_model/cells/downside_2026q4_cash_after_claims:downside/label | None | Cash after lending and repurchases |
| /operating_model/cells/downside_2026q4_cash_after_claims:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_cash_after_claims:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_cash_after_claims:downside/value | None | -277.2597 |
| /operating_model/cells/downside_2026q4_cash_after_lending:downside/basis | None | No new debt proceeds included. |
| /operating_model/cells/downside_2026q4_cash_after_lending:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_cash_after_lending:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2026q4_cash_after_lending:downside/formula/refs/0 | None | downside_2026q4_cfo |
| /operating_model/cells/downside_2026q4_cash_after_lending:downside/formula/refs/1 | None | downside_2026q4_cash_investment |
| /operating_model/cells/downside_2026q4_cash_after_lending:downside/id | None | downside_2026q4_cash_after_lending |
| /operating_model/cells/downside_2026q4_cash_after_lending:downside/kind | None | derived |
| /operating_model/cells/downside_2026q4_cash_after_lending:downside/label | None | Cash after capex and loan investment |
| /operating_model/cells/downside_2026q4_cash_after_lending:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_cash_after_lending:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_cash_after_lending:downside/value | None | -227.2597 |
| /operating_model/cells/downside_2026q4_cash_investment:downside/basis | None | Loan growth can consume more than reported CFO. |
| /operating_model/cells/downside_2026q4_cash_investment:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_cash_investment:downside/formula/op | None | sum |
| /operating_model/cells/downside_2026q4_cash_investment:downside/formula/refs/0 | None | downside_2026q4_capex |
| /operating_model/cells/downside_2026q4_cash_investment:downside/formula/refs/1 | None | downside_2026q4_loan_investment |
| /operating_model/cells/downside_2026q4_cash_investment:downside/id | None | downside_2026q4_cash_investment |
| /operating_model/cells/downside_2026q4_cash_investment:downside/kind | None | derived |
| /operating_model/cells/downside_2026q4_cash_investment:downside/label | None | Cash capital and net loan investment |
| /operating_model/cells/downside_2026q4_cash_investment:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_cash_investment:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_cash_investment:downside/value | None | 714.0 |
| /operating_model/cells/downside_2026q4_cash_originations:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q4_cash_originations:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_cash_originations:downside/id | None | downside_2026q4_cash_originations |
| /operating_model/cells/downside_2026q4_cash_originations:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q4_cash_originations:downside/label | None | Cash loan originations |
| /operating_model/cells/downside_2026q4_cash_originations:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_cash_originations:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_cash_originations:downside/value | None | 2350.0 |
| /operating_model/cells/downside_2026q4_cash_tax:downside/basis | None | All configured pretax cases are positive; negative stress would require a cash-tax floor. |
| /operating_model/cells/downside_2026q4_cash_tax:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_cash_tax:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2026q4_cash_tax:downside/formula/refs/0 | None | downside_2026q4_pretax |
| /operating_model/cells/downside_2026q4_cash_tax:downside/formula/refs/1 | None | downside_2026q4_cash_tax_rate |
| /operating_model/cells/downside_2026q4_cash_tax:downside/id | None | downside_2026q4_cash_tax |
| /operating_model/cells/downside_2026q4_cash_tax:downside/kind | None | derived |
| /operating_model/cells/downside_2026q4_cash_tax:downside/label | None | Cash tax allowance |
| /operating_model/cells/downside_2026q4_cash_tax:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_cash_tax:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_cash_tax:downside/value | None | 13.222200000000003 |
| /operating_model/cells/downside_2026q4_cash_tax_rate:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q4_cash_tax_rate:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_cash_tax_rate:downside/id | None | downside_2026q4_cash_tax_rate |
| /operating_model/cells/downside_2026q4_cash_tax_rate:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q4_cash_tax_rate:downside/label | None | Cash taxes / modeled pretax income |
| /operating_model/cells/downside_2026q4_cash_tax_rate:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_cash_tax_rate:downside/unit | None | ratio |
| /operating_model/cells/downside_2026q4_cash_tax_rate:downside/value | None | 0.24 |
| /operating_model/cells/downside_2026q4_cfo:downside/basis | None | Analytical CFO proxy; credit losses affect earnings and principal collections, not an extra cash expense. |
| /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_noncash_bridge |
| /operating_model/cells/downside_2026q4_cfo:downside/formula/refs/1 | None | downside_2026q4_operating_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 before loan investment |
| /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 | 486.7403 |
| /operating_model/cells/downside_2026q4_consumer_activity:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q4_consumer_activity:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_consumer_activity:downside/id | None | downside_2026q4_consumer_activity |
| /operating_model/cells/downside_2026q4_consumer_activity:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q4_consumer_activity:downside/label | None | Consumer average earning activity / Q2 |
| /operating_model/cells/downside_2026q4_consumer_activity:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_consumer_activity:downside/unit | None | ratio |
| /operating_model/cells/downside_2026q4_consumer_activity:downside/value | None | 1.0577710564514609 |
| /operating_model/cells/downside_2026q4_consumer_credit_cost:downside/basis | None | Credit and valuation sensitivity, not a cohort charge-off forecast. |
| /operating_model/cells/downside_2026q4_consumer_credit_cost:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_consumer_credit_cost:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2026q4_consumer_credit_cost:downside/formula/refs/0 | None | downside_2026q4_consumer_revenue |
| /operating_model/cells/downside_2026q4_consumer_credit_cost:downside/formula/refs/1 | None | downside_2026q4_consumer_credit_ratio |
| /operating_model/cells/downside_2026q4_consumer_credit_cost:downside/id | None | downside_2026q4_consumer_credit_cost |
| /operating_model/cells/downside_2026q4_consumer_credit_cost:downside/kind | None | derived |
| /operating_model/cells/downside_2026q4_consumer_credit_cost:downside/label | None | Consumer fair-value expense |
| /operating_model/cells/downside_2026q4_consumer_credit_cost:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_consumer_credit_cost:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_consumer_credit_cost:downside/value | None | 247.45 |
| /operating_model/cells/downside_2026q4_consumer_credit_ratio:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q4_consumer_credit_ratio:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_consumer_credit_ratio:downside/id | None | downside_2026q4_consumer_credit_ratio |
| /operating_model/cells/downside_2026q4_consumer_credit_ratio:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q4_consumer_credit_ratio:downside/label | None | Consumer fair-value expense / revenue |
| /operating_model/cells/downside_2026q4_consumer_credit_ratio:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_consumer_credit_ratio:downside/unit | None | ratio |
| /operating_model/cells/downside_2026q4_consumer_credit_ratio:downside/value | None | 0.49 |
| /operating_model/cells/downside_2026q4_consumer_revenue:downside/basis | None | Activity calibration and revenue yield can vary independently; includes interest and contractual fees. |
| /operating_model/cells/downside_2026q4_consumer_revenue:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_consumer_revenue:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2026q4_consumer_revenue:downside/formula/refs/0 | None | q2_consumer |
| /operating_model/cells/downside_2026q4_consumer_revenue:downside/formula/refs/1 | None | downside_2026q4_consumer_activity |
| /operating_model/cells/downside_2026q4_consumer_revenue:downside/formula/refs/2 | None | downside_2026q4_consumer_yield |
| /operating_model/cells/downside_2026q4_consumer_revenue:downside/id | None | downside_2026q4_consumer_revenue |
| /operating_model/cells/downside_2026q4_consumer_revenue:downside/kind | None | derived |
| /operating_model/cells/downside_2026q4_consumer_revenue:downside/label | None | Consumer lending revenue |
| /operating_model/cells/downside_2026q4_consumer_revenue:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_consumer_revenue:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_consumer_revenue:downside/value | None | 505.0 |
| /operating_model/cells/downside_2026q4_consumer_yield:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q4_consumer_yield:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_consumer_yield:downside/id | None | downside_2026q4_consumer_yield |
| /operating_model/cells/downside_2026q4_consumer_yield:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q4_consumer_yield:downside/label | None | Consumer revenue yield versus Q2 |
| /operating_model/cells/downside_2026q4_consumer_yield:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_consumer_yield:downside/unit | None | ratio |
| /operating_model/cells/downside_2026q4_consumer_yield:downside/value | None | 1.0 |
| /operating_model/cells/downside_2026q4_credit_cost:downside/basis | None | No double counting of charge-offs below fair-value expense. |
| /operating_model/cells/downside_2026q4_credit_cost:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_credit_cost:downside/formula/op | None | sum |
| /operating_model/cells/downside_2026q4_credit_cost:downside/formula/refs/0 | None | downside_2026q4_consumer_credit_cost |
| /operating_model/cells/downside_2026q4_credit_cost:downside/formula/refs/1 | None | downside_2026q4_business_credit_cost |
| /operating_model/cells/downside_2026q4_credit_cost:downside/id | None | downside_2026q4_credit_cost |
| /operating_model/cells/downside_2026q4_credit_cost:downside/kind | None | derived |
| /operating_model/cells/downside_2026q4_credit_cost:downside/label | None | Total fair-value expense |
| /operating_model/cells/downside_2026q4_credit_cost:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_credit_cost:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_credit_cost:downside/value | None | 443.16999999999996 |
| /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 | Depreciation and amortization |
| /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 | 9.3 |
| /operating_model/cells/downside_2026q4_ga:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q4_ga:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_ga:downside/id | None | downside_2026q4_ga |
| /operating_model/cells/downside_2026q4_ga:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q4_ga:downside/label | None | General and administrative |
| /operating_model/cells/downside_2026q4_ga:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_ga:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_ga:downside/value | None | 51.0 |
| /operating_model/cells/downside_2026q4_interest:downside/basis | None | Blended cost for corporate and funding debt; commitments are not treated as draws. |
| /operating_model/cells/downside_2026q4_interest:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_interest:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2026q4_interest:downside/formula/refs/0 | None | downside_2026q4_average_debt |
| /operating_model/cells/downside_2026q4_interest:downside/formula/refs/1 | None | downside_2026q4_annual_interest_rate |
| /operating_model/cells/downside_2026q4_interest:downside/formula/refs/2 | None | downside_2026q4_quarter_fraction |
| /operating_model/cells/downside_2026q4_interest:downside/id | None | downside_2026q4_interest |
| /operating_model/cells/downside_2026q4_interest:downside/kind | None | derived |
| /operating_model/cells/downside_2026q4_interest:downside/label | None | Net funding and corporate interest |
| /operating_model/cells/downside_2026q4_interest:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_interest:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_interest:downside/value | None | 115.81250000000001 |
| /operating_model/cells/downside_2026q4_loan_investment:downside/basis | None | Excludes interest collections already in operating cash and noncash renewals. |
| /operating_model/cells/downside_2026q4_loan_investment:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_loan_investment:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2026q4_loan_investment:downside/formula/refs/0 | None | downside_2026q4_cash_originations |
| /operating_model/cells/downside_2026q4_loan_investment:downside/formula/refs/1 | None | downside_2026q4_principal_receipts |
| /operating_model/cells/downside_2026q4_loan_investment:downside/id | None | downside_2026q4_loan_investment |
| /operating_model/cells/downside_2026q4_loan_investment:downside/kind | None | derived |
| /operating_model/cells/downside_2026q4_loan_investment:downside/label | None | Net cash loan investment |
| /operating_model/cells/downside_2026q4_loan_investment:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_loan_investment:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_loan_investment:downside/value | None | 700.0 |
| /operating_model/cells/downside_2026q4_marketing:downside/basis | None | Acquisition expense retained in earnings. |
| /operating_model/cells/downside_2026q4_marketing:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_marketing:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2026q4_marketing:downside/formula/refs/0 | None | downside_2026q4_revenue |
| /operating_model/cells/downside_2026q4_marketing:downside/formula/refs/1 | None | downside_2026q4_marketing_ratio |
| /operating_model/cells/downside_2026q4_marketing:downside/id | None | downside_2026q4_marketing |
| /operating_model/cells/downside_2026q4_marketing:downside/kind | None | derived |
| /operating_model/cells/downside_2026q4_marketing:downside/label | None | Marketing expense |
| /operating_model/cells/downside_2026q4_marketing:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_marketing:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_marketing:downside/value | None | 221.625 |
| /operating_model/cells/downside_2026q4_marketing_ratio:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q4_marketing_ratio:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_marketing_ratio:downside/id | None | downside_2026q4_marketing_ratio |
| /operating_model/cells/downside_2026q4_marketing_ratio:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q4_marketing_ratio:downside/label | None | Marketing / revenue |
| /operating_model/cells/downside_2026q4_marketing_ratio:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_marketing_ratio:downside/unit | None | ratio |
| /operating_model/cells/downside_2026q4_marketing_ratio:downside/value | None | 0.225 |
| /operating_model/cells/downside_2026q4_net_revenue:downside/basis | None | Financial-company net revenue, not industrial gross profit. |
| /operating_model/cells/downside_2026q4_net_revenue:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_net_revenue:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2026q4_net_revenue:downside/formula/refs/0 | None | downside_2026q4_revenue |
| /operating_model/cells/downside_2026q4_net_revenue:downside/formula/refs/1 | None | downside_2026q4_credit_cost |
| /operating_model/cells/downside_2026q4_net_revenue:downside/id | None | downside_2026q4_net_revenue |
| /operating_model/cells/downside_2026q4_net_revenue:downside/kind | None | derived |
| /operating_model/cells/downside_2026q4_net_revenue:downside/label | None | Revenue after fair-value expense |
| /operating_model/cells/downside_2026q4_net_revenue:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_net_revenue:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_net_revenue:downside/value | None | 541.83 |
| /operating_model/cells/downside_2026q4_noncash_bridge:downside/basis | None | Fair-value expense assumed noncash here; loan receipts are modeled separately. |
| /operating_model/cells/downside_2026q4_noncash_bridge:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_noncash_bridge:downside/formula/op | None | sum |
| /operating_model/cells/downside_2026q4_noncash_bridge:downside/formula/refs/0 | None | downside_2026q4_pretax |
| /operating_model/cells/downside_2026q4_noncash_bridge:downside/formula/refs/1 | None | downside_2026q4_credit_cost |
| /operating_model/cells/downside_2026q4_noncash_bridge:downside/formula/refs/2 | None | downside_2026q4_da |
| /operating_model/cells/downside_2026q4_noncash_bridge:downside/formula/refs/3 | None | downside_2026q4_sbc |
| /operating_model/cells/downside_2026q4_noncash_bridge:downside/id | None | downside_2026q4_noncash_bridge |
| /operating_model/cells/downside_2026q4_noncash_bridge:downside/kind | None | derived |
| /operating_model/cells/downside_2026q4_noncash_bridge:downside/label | None | Pretax earnings plus noncash expenses |
| /operating_model/cells/downside_2026q4_noncash_bridge:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_noncash_bridge:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_noncash_bridge:downside/value | None | 516.9625 |
| /operating_model/cells/downside_2026q4_operating_cash_uses:downside/basis | None | Covers fee amortization, tax timing and other operating balances, not cash loan originations. |
| /operating_model/cells/downside_2026q4_operating_cash_uses:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_operating_cash_uses:downside/formula/op | None | sum |
| /operating_model/cells/downside_2026q4_operating_cash_uses:downside/formula/refs/0 | None | downside_2026q4_cash_tax |
| /operating_model/cells/downside_2026q4_operating_cash_uses:downside/formula/refs/1 | None | downside_2026q4_working_capital_use |
| /operating_model/cells/downside_2026q4_operating_cash_uses:downside/id | None | downside_2026q4_operating_cash_uses |
| /operating_model/cells/downside_2026q4_operating_cash_uses:downside/kind | None | derived |
| /operating_model/cells/downside_2026q4_operating_cash_uses:downside/label | None | Cash tax and other operating timing |
| /operating_model/cells/downside_2026q4_operating_cash_uses:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_operating_cash_uses:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_operating_cash_uses:downside/value | None | 30.2222 |
| /operating_model/cells/downside_2026q4_operating_income:downside/basis | None | No Grasshopper synergies or one-time transaction recovery assumed. |
| /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_net_revenue |
| /operating_model/cells/downside_2026q4_operating_income:downside/formula/refs/1 | None | downside_2026q4_opex |
| /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 | GAAP 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 | 170.90500000000003 |
| /operating_model/cells/downside_2026q4_operations:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q4_operations:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_operations:downside/id | None | downside_2026q4_operations |
| /operating_model/cells/downside_2026q4_operations:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q4_operations:downside/label | None | Operations and technology |
| /operating_model/cells/downside_2026q4_operations:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_operations:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_operations:downside/value | None | 89.0 |
| /operating_model/cells/downside_2026q4_opex:downside/basis | None | SBC is already within departmental expense; add back only in cash bridge. |
| /operating_model/cells/downside_2026q4_opex:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_opex:downside/formula/op | None | sum |
| /operating_model/cells/downside_2026q4_opex:downside/formula/refs/0 | None | downside_2026q4_marketing |
| /operating_model/cells/downside_2026q4_opex:downside/formula/refs/1 | None | downside_2026q4_operations |
| /operating_model/cells/downside_2026q4_opex:downside/formula/refs/2 | None | downside_2026q4_ga |
| /operating_model/cells/downside_2026q4_opex:downside/formula/refs/3 | None | downside_2026q4_da |
| /operating_model/cells/downside_2026q4_opex:downside/id | None | downside_2026q4_opex |
| /operating_model/cells/downside_2026q4_opex:downside/kind | None | derived |
| /operating_model/cells/downside_2026q4_opex:downside/label | None | Operating expense |
| /operating_model/cells/downside_2026q4_opex:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_opex:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_opex:downside/value | None | 370.925 |
| /operating_model/cells/downside_2026q4_other_revenue:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q4_other_revenue:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_other_revenue:downside/id | None | downside_2026q4_other_revenue |
| /operating_model/cells/downside_2026q4_other_revenue:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q4_other_revenue:downside/label | None | Other revenue |
| /operating_model/cells/downside_2026q4_other_revenue:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_other_revenue:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_other_revenue:downside/value | None | 14.0 |
| /operating_model/cells/downside_2026q4_pretax:downside/basis | None | No speculative nonoperating gains. |
| /operating_model/cells/downside_2026q4_pretax:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_pretax:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2026q4_pretax:downside/formula/refs/0 | None | downside_2026q4_operating_income |
| /operating_model/cells/downside_2026q4_pretax:downside/formula/refs/1 | None | downside_2026q4_interest |
| /operating_model/cells/downside_2026q4_pretax:downside/id | None | downside_2026q4_pretax |
| /operating_model/cells/downside_2026q4_pretax:downside/kind | None | derived |
| /operating_model/cells/downside_2026q4_pretax:downside/label | None | Pretax earnings proxy |
| /operating_model/cells/downside_2026q4_pretax:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_pretax:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_pretax:downside/value | None | 55.092500000000015 |
| /operating_model/cells/downside_2026q4_principal_receipts:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q4_principal_receipts:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_principal_receipts:downside/id | None | downside_2026q4_principal_receipts |
| /operating_model/cells/downside_2026q4_principal_receipts:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q4_principal_receipts:downside/label | None | Cash principal collections |
| /operating_model/cells/downside_2026q4_principal_receipts:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_principal_receipts:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_principal_receipts:downside/value | None | 1650.0 |
| /operating_model/cells/downside_2026q4_quarter_fraction:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q4_quarter_fraction:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_quarter_fraction:downside/id | None | downside_2026q4_quarter_fraction |
| /operating_model/cells/downside_2026q4_quarter_fraction:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q4_quarter_fraction:downside/label | None | Quarter of annual rate |
| /operating_model/cells/downside_2026q4_quarter_fraction:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_quarter_fraction:downside/unit | None | ratio |
| /operating_model/cells/downside_2026q4_quarter_fraction:downside/value | None | 0.25 |
| /operating_model/cells/downside_2026q4_revenue:downside/basis | None | No bank acquisition contribution. |
| /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_consumer_revenue |
| /operating_model/cells/downside_2026q4_revenue:downside/formula/refs/1 | None | downside_2026q4_business_revenue |
| /operating_model/cells/downside_2026q4_revenue:downside/formula/refs/2 | None | downside_2026q4_other_revenue |
| /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 | Total 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 | 985.0 |
| /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 | SBC expense |
| /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 | 9.4 |
| /operating_model/cells/downside_2026q4_working_capital_use:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2026q4_working_capital_use:downside/case | None | downside |
| /operating_model/cells/downside_2026q4_working_capital_use:downside/id | None | downside_2026q4_working_capital_use |
| /operating_model/cells/downside_2026q4_working_capital_use:downside/kind | None | assumption |
| /operating_model/cells/downside_2026q4_working_capital_use:downside/label | None | Net other cash use |
| /operating_model/cells/downside_2026q4_working_capital_use:downside/period | None | 2026Q4 |
| /operating_model/cells/downside_2026q4_working_capital_use:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2026q4_working_capital_use:downside/value | None | 17.0 |
| /operating_model/cells/downside_2027q1_annual_interest_rate:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q1_annual_interest_rate:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_annual_interest_rate:downside/id | None | downside_2027q1_annual_interest_rate |
| /operating_model/cells/downside_2027q1_annual_interest_rate:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q1_annual_interest_rate:downside/label | None | Net annual debt cost including fees |
| /operating_model/cells/downside_2027q1_annual_interest_rate:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_annual_interest_rate:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q1_annual_interest_rate:downside/value | None | 0.085 |
| /operating_model/cells/downside_2027q1_average_debt:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q1_average_debt:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_average_debt:downside/id | None | downside_2027q1_average_debt |
| /operating_model/cells/downside_2027q1_average_debt:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q1_average_debt:downside/label | None | Average funded debt |
| /operating_model/cells/downside_2027q1_average_debt:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_average_debt:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_average_debt:downside/value | None | 5550.0 |
| /operating_model/cells/downside_2027q1_business_activity:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q1_business_activity:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_business_activity:downside/id | None | downside_2027q1_business_activity |
| /operating_model/cells/downside_2027q1_business_activity:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q1_business_activity:downside/label | None | Business average earning activity / Q2 |
| /operating_model/cells/downside_2027q1_business_activity:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_business_activity:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q1_business_activity:downside/value | None | 1.0699569740706172 |
| /operating_model/cells/downside_2027q1_business_credit_cost:downside/basis | None | Credit and valuation sensitivity, not a cohort charge-off forecast. |
| /operating_model/cells/downside_2027q1_business_credit_cost:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_business_credit_cost:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2027q1_business_credit_cost:downside/formula/refs/0 | None | downside_2027q1_business_revenue |
| /operating_model/cells/downside_2027q1_business_credit_cost:downside/formula/refs/1 | None | downside_2027q1_business_credit_ratio |
| /operating_model/cells/downside_2027q1_business_credit_cost:downside/id | None | downside_2027q1_business_credit_cost |
| /operating_model/cells/downside_2027q1_business_credit_cost:downside/kind | None | derived |
| /operating_model/cells/downside_2027q1_business_credit_cost:downside/label | None | Business fair-value expense |
| /operating_model/cells/downside_2027q1_business_credit_cost:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_business_credit_cost:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_business_credit_cost:downside/value | None | 197.4 |
| /operating_model/cells/downside_2027q1_business_credit_ratio:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q1_business_credit_ratio:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_business_credit_ratio:downside/id | None | downside_2027q1_business_credit_ratio |
| /operating_model/cells/downside_2027q1_business_credit_ratio:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q1_business_credit_ratio:downside/label | None | Business fair-value expense / revenue |
| /operating_model/cells/downside_2027q1_business_credit_ratio:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_business_credit_ratio:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q1_business_credit_ratio:downside/value | None | 0.42 |
| /operating_model/cells/downside_2027q1_business_revenue:downside/basis | None | Activity calibration and revenue yield can vary independently; includes interest and contractual fees. |
| /operating_model/cells/downside_2027q1_business_revenue:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_business_revenue:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2027q1_business_revenue:downside/formula/refs/0 | None | q2_business |
| /operating_model/cells/downside_2027q1_business_revenue:downside/formula/refs/1 | None | downside_2027q1_business_activity |
| /operating_model/cells/downside_2027q1_business_revenue:downside/formula/refs/2 | None | downside_2027q1_business_yield |
| /operating_model/cells/downside_2027q1_business_revenue:downside/id | None | downside_2027q1_business_revenue |
| /operating_model/cells/downside_2027q1_business_revenue:downside/kind | None | derived |
| /operating_model/cells/downside_2027q1_business_revenue:downside/label | None | Business lending revenue |
| /operating_model/cells/downside_2027q1_business_revenue:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_business_revenue:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_business_revenue:downside/value | None | 470.0 |
| /operating_model/cells/downside_2027q1_business_yield:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q1_business_yield:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_business_yield:downside/id | None | downside_2027q1_business_yield |
| /operating_model/cells/downside_2027q1_business_yield:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q1_business_yield:downside/label | None | Business revenue yield versus Q2 |
| /operating_model/cells/downside_2027q1_business_yield:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_business_yield:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q1_business_yield:downside/value | None | 1.0 |
| /operating_model/cells/downside_2027q1_buybacks:downside/basis | None | Desk capital allocation; H2 $100M below June $218M covenant availability. Later authorization and covenant capacity remain conditions. |
| /operating_model/cells/downside_2027q1_buybacks:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_buybacks:downside/id | None | downside_2027q1_buybacks |
| /operating_model/cells/downside_2027q1_buybacks:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q1_buybacks:downside/label | None | Share repurchases |
| /operating_model/cells/downside_2027q1_buybacks:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_buybacks:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_buybacks:downside/value | None | 35.0 |
| /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 | Cash fixed assets and software |
| /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 | 15.0 |
| /operating_model/cells/downside_2027q1_cash_after_claims:downside/basis | None | Before debt amortization, refinancing, fees and reserve transfers; not equity distributable cash. |
| /operating_model/cells/downside_2027q1_cash_after_claims:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_cash_after_claims:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q1_cash_after_claims:downside/formula/refs/0 | None | downside_2027q1_cash_after_lending |
| /operating_model/cells/downside_2027q1_cash_after_claims:downside/formula/refs/1 | None | downside_2027q1_buybacks |
| /operating_model/cells/downside_2027q1_cash_after_claims:downside/id | None | downside_2027q1_cash_after_claims |
| /operating_model/cells/downside_2027q1_cash_after_claims:downside/kind | None | derived |
| /operating_model/cells/downside_2027q1_cash_after_claims:downside/label | None | Cash after lending and repurchases |
| /operating_model/cells/downside_2027q1_cash_after_claims:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_cash_after_claims:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_cash_after_claims:downside/value | None | -165.44050000000004 |
| /operating_model/cells/downside_2027q1_cash_after_lending:downside/basis | None | No new debt proceeds included. |
| /operating_model/cells/downside_2027q1_cash_after_lending:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_cash_after_lending:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q1_cash_after_lending:downside/formula/refs/0 | None | downside_2027q1_cfo |
| /operating_model/cells/downside_2027q1_cash_after_lending:downside/formula/refs/1 | None | downside_2027q1_cash_investment |
| /operating_model/cells/downside_2027q1_cash_after_lending:downside/id | None | downside_2027q1_cash_after_lending |
| /operating_model/cells/downside_2027q1_cash_after_lending:downside/kind | None | derived |
| /operating_model/cells/downside_2027q1_cash_after_lending:downside/label | None | Cash after capex and loan investment |
| /operating_model/cells/downside_2027q1_cash_after_lending:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_cash_after_lending:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_cash_after_lending:downside/value | None | -130.44050000000004 |
| /operating_model/cells/downside_2027q1_cash_investment:downside/basis | None | Loan growth can consume more than reported CFO. |
| /operating_model/cells/downside_2027q1_cash_investment:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_cash_investment:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q1_cash_investment:downside/formula/refs/0 | None | downside_2027q1_capex |
| /operating_model/cells/downside_2027q1_cash_investment:downside/formula/refs/1 | None | downside_2027q1_loan_investment |
| /operating_model/cells/downside_2027q1_cash_investment:downside/id | None | downside_2027q1_cash_investment |
| /operating_model/cells/downside_2027q1_cash_investment:downside/kind | None | derived |
| /operating_model/cells/downside_2027q1_cash_investment:downside/label | None | Cash capital and net loan investment |
| /operating_model/cells/downside_2027q1_cash_investment:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_cash_investment:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_cash_investment:downside/value | None | 605.0 |
| /operating_model/cells/downside_2027q1_cash_originations:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q1_cash_originations:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_cash_originations:downside/id | None | downside_2027q1_cash_originations |
| /operating_model/cells/downside_2027q1_cash_originations:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q1_cash_originations:downside/label | None | Cash loan originations |
| /operating_model/cells/downside_2027q1_cash_originations:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_cash_originations:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_cash_originations:downside/value | None | 2300.0 |
| /operating_model/cells/downside_2027q1_cash_tax:downside/basis | None | All configured pretax cases are positive; negative stress would require a cash-tax floor. |
| /operating_model/cells/downside_2027q1_cash_tax:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_cash_tax:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2027q1_cash_tax:downside/formula/refs/0 | None | downside_2027q1_pretax |
| /operating_model/cells/downside_2027q1_cash_tax:downside/formula/refs/1 | None | downside_2027q1_cash_tax_rate |
| /operating_model/cells/downside_2027q1_cash_tax:downside/id | None | downside_2027q1_cash_tax |
| /operating_model/cells/downside_2027q1_cash_tax:downside/kind | None | derived |
| /operating_model/cells/downside_2027q1_cash_tax:downside/label | None | Cash tax allowance |
| /operating_model/cells/downside_2027q1_cash_tax:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_cash_tax:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_cash_tax:downside/value | None | 10.80299999999998 |
| /operating_model/cells/downside_2027q1_cash_tax_rate:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q1_cash_tax_rate:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_cash_tax_rate:downside/id | None | downside_2027q1_cash_tax_rate |
| /operating_model/cells/downside_2027q1_cash_tax_rate:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q1_cash_tax_rate:downside/label | None | Cash taxes / modeled pretax income |
| /operating_model/cells/downside_2027q1_cash_tax_rate:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_cash_tax_rate:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q1_cash_tax_rate:downside/value | None | 0.24 |
| /operating_model/cells/downside_2027q1_cfo:downside/basis | None | Analytical CFO proxy; credit losses affect earnings and principal collections, not an extra cash expense. |
| /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_noncash_bridge |
| /operating_model/cells/downside_2027q1_cfo:downside/formula/refs/1 | None | downside_2027q1_operating_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 before loan investment |
| /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 | 474.55949999999996 |
| /operating_model/cells/downside_2027q1_consumer_activity:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q1_consumer_activity:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_consumer_activity:downside/id | None | downside_2027q1_consumer_activity |
| /operating_model/cells/downside_2027q1_consumer_activity:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q1_consumer_activity:downside/label | None | Consumer average earning activity / Q2 |
| /operating_model/cells/downside_2027q1_consumer_activity:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_consumer_activity:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q1_consumer_activity:downside/value | None | 1.0368250949375706 |
| /operating_model/cells/downside_2027q1_consumer_credit_cost:downside/basis | None | Credit and valuation sensitivity, not a cohort charge-off forecast. |
| /operating_model/cells/downside_2027q1_consumer_credit_cost:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_consumer_credit_cost:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2027q1_consumer_credit_cost:downside/formula/refs/0 | None | downside_2027q1_consumer_revenue |
| /operating_model/cells/downside_2027q1_consumer_credit_cost:downside/formula/refs/1 | None | downside_2027q1_consumer_credit_ratio |
| /operating_model/cells/downside_2027q1_consumer_credit_cost:downside/id | None | downside_2027q1_consumer_credit_cost |
| /operating_model/cells/downside_2027q1_consumer_credit_cost:downside/kind | None | derived |
| /operating_model/cells/downside_2027q1_consumer_credit_cost:downside/label | None | Consumer fair-value expense |
| /operating_model/cells/downside_2027q1_consumer_credit_cost:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_consumer_credit_cost:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_consumer_credit_cost:downside/value | None | 242.54999999999998 |
| /operating_model/cells/downside_2027q1_consumer_credit_ratio:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q1_consumer_credit_ratio:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_consumer_credit_ratio:downside/id | None | downside_2027q1_consumer_credit_ratio |
| /operating_model/cells/downside_2027q1_consumer_credit_ratio:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q1_consumer_credit_ratio:downside/label | None | Consumer fair-value expense / revenue |
| /operating_model/cells/downside_2027q1_consumer_credit_ratio:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_consumer_credit_ratio:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q1_consumer_credit_ratio:downside/value | None | 0.49 |
| /operating_model/cells/downside_2027q1_consumer_revenue:downside/basis | None | Activity calibration and revenue yield can vary independently; includes interest and contractual fees. |
| /operating_model/cells/downside_2027q1_consumer_revenue:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_consumer_revenue:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2027q1_consumer_revenue:downside/formula/refs/0 | None | q2_consumer |
| /operating_model/cells/downside_2027q1_consumer_revenue:downside/formula/refs/1 | None | downside_2027q1_consumer_activity |
| /operating_model/cells/downside_2027q1_consumer_revenue:downside/formula/refs/2 | None | downside_2027q1_consumer_yield |
| /operating_model/cells/downside_2027q1_consumer_revenue:downside/id | None | downside_2027q1_consumer_revenue |
| /operating_model/cells/downside_2027q1_consumer_revenue:downside/kind | None | derived |
| /operating_model/cells/downside_2027q1_consumer_revenue:downside/label | None | Consumer lending revenue |
| /operating_model/cells/downside_2027q1_consumer_revenue:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_consumer_revenue:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_consumer_revenue:downside/value | None | 495.0 |
| /operating_model/cells/downside_2027q1_consumer_yield:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q1_consumer_yield:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_consumer_yield:downside/id | None | downside_2027q1_consumer_yield |
| /operating_model/cells/downside_2027q1_consumer_yield:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q1_consumer_yield:downside/label | None | Consumer revenue yield versus Q2 |
| /operating_model/cells/downside_2027q1_consumer_yield:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_consumer_yield:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q1_consumer_yield:downside/value | None | 1.0 |
| /operating_model/cells/downside_2027q1_credit_cost:downside/basis | None | No double counting of charge-offs below fair-value expense. |
| /operating_model/cells/downside_2027q1_credit_cost:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_credit_cost:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q1_credit_cost:downside/formula/refs/0 | None | downside_2027q1_consumer_credit_cost |
| /operating_model/cells/downside_2027q1_credit_cost:downside/formula/refs/1 | None | downside_2027q1_business_credit_cost |
| /operating_model/cells/downside_2027q1_credit_cost:downside/id | None | downside_2027q1_credit_cost |
| /operating_model/cells/downside_2027q1_credit_cost:downside/kind | None | derived |
| /operating_model/cells/downside_2027q1_credit_cost:downside/label | None | Total fair-value expense |
| /operating_model/cells/downside_2027q1_credit_cost:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_credit_cost:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_credit_cost:downside/value | None | 439.95 |
| /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 | Depreciation and amortization |
| /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 | 9.6 |
| /operating_model/cells/downside_2027q1_ga:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q1_ga:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_ga:downside/id | None | downside_2027q1_ga |
| /operating_model/cells/downside_2027q1_ga:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q1_ga:downside/label | None | General and administrative |
| /operating_model/cells/downside_2027q1_ga:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_ga:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_ga:downside/value | None | 53.0 |
| /operating_model/cells/downside_2027q1_interest:downside/basis | None | Blended cost for corporate and funding debt; commitments are not treated as draws. |
| /operating_model/cells/downside_2027q1_interest:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_interest:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2027q1_interest:downside/formula/refs/0 | None | downside_2027q1_average_debt |
| /operating_model/cells/downside_2027q1_interest:downside/formula/refs/1 | None | downside_2027q1_annual_interest_rate |
| /operating_model/cells/downside_2027q1_interest:downside/formula/refs/2 | None | downside_2027q1_quarter_fraction |
| /operating_model/cells/downside_2027q1_interest:downside/id | None | downside_2027q1_interest |
| /operating_model/cells/downside_2027q1_interest:downside/kind | None | derived |
| /operating_model/cells/downside_2027q1_interest:downside/label | None | Net funding and corporate interest |
| /operating_model/cells/downside_2027q1_interest:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_interest:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_interest:downside/value | None | 117.93750000000001 |
| /operating_model/cells/downside_2027q1_loan_investment:downside/basis | None | Excludes interest collections already in operating cash and noncash renewals. |
| /operating_model/cells/downside_2027q1_loan_investment:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_loan_investment:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q1_loan_investment:downside/formula/refs/0 | None | downside_2027q1_cash_originations |
| /operating_model/cells/downside_2027q1_loan_investment:downside/formula/refs/1 | None | downside_2027q1_principal_receipts |
| /operating_model/cells/downside_2027q1_loan_investment:downside/id | None | downside_2027q1_loan_investment |
| /operating_model/cells/downside_2027q1_loan_investment:downside/kind | None | derived |
| /operating_model/cells/downside_2027q1_loan_investment:downside/label | None | Net cash loan investment |
| /operating_model/cells/downside_2027q1_loan_investment:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_loan_investment:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_loan_investment:downside/value | None | 590.0 |
| /operating_model/cells/downside_2027q1_marketing:downside/basis | None | Acquisition expense retained in earnings. |
| /operating_model/cells/downside_2027q1_marketing:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_marketing:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2027q1_marketing:downside/formula/refs/0 | None | downside_2027q1_revenue |
| /operating_model/cells/downside_2027q1_marketing:downside/formula/refs/1 | None | downside_2027q1_marketing_ratio |
| /operating_model/cells/downside_2027q1_marketing:downside/id | None | downside_2027q1_marketing |
| /operating_model/cells/downside_2027q1_marketing:downside/kind | None | derived |
| /operating_model/cells/downside_2027q1_marketing:downside/label | None | Marketing expense |
| /operating_model/cells/downside_2027q1_marketing:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_marketing:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_marketing:downside/value | None | 220.5 |
| /operating_model/cells/downside_2027q1_marketing_ratio:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q1_marketing_ratio:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_marketing_ratio:downside/id | None | downside_2027q1_marketing_ratio |
| /operating_model/cells/downside_2027q1_marketing_ratio:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q1_marketing_ratio:downside/label | None | Marketing / revenue |
| /operating_model/cells/downside_2027q1_marketing_ratio:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_marketing_ratio:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q1_marketing_ratio:downside/value | None | 0.225 |
| /operating_model/cells/downside_2027q1_net_revenue:downside/basis | None | Financial-company net revenue, not industrial gross profit. |
| /operating_model/cells/downside_2027q1_net_revenue:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_net_revenue:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q1_net_revenue:downside/formula/refs/0 | None | downside_2027q1_revenue |
| /operating_model/cells/downside_2027q1_net_revenue:downside/formula/refs/1 | None | downside_2027q1_credit_cost |
| /operating_model/cells/downside_2027q1_net_revenue:downside/id | None | downside_2027q1_net_revenue |
| /operating_model/cells/downside_2027q1_net_revenue:downside/kind | None | derived |
| /operating_model/cells/downside_2027q1_net_revenue:downside/label | None | Revenue after fair-value expense |
| /operating_model/cells/downside_2027q1_net_revenue:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_net_revenue:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_net_revenue:downside/value | None | 540.05 |
| /operating_model/cells/downside_2027q1_noncash_bridge:downside/basis | None | Fair-value expense assumed noncash here; loan receipts are modeled separately. |
| /operating_model/cells/downside_2027q1_noncash_bridge:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_noncash_bridge:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q1_noncash_bridge:downside/formula/refs/0 | None | downside_2027q1_pretax |
| /operating_model/cells/downside_2027q1_noncash_bridge:downside/formula/refs/1 | None | downside_2027q1_credit_cost |
| /operating_model/cells/downside_2027q1_noncash_bridge:downside/formula/refs/2 | None | downside_2027q1_da |
| /operating_model/cells/downside_2027q1_noncash_bridge:downside/formula/refs/3 | None | downside_2027q1_sbc |
| /operating_model/cells/downside_2027q1_noncash_bridge:downside/id | None | downside_2027q1_noncash_bridge |
| /operating_model/cells/downside_2027q1_noncash_bridge:downside/kind | None | derived |
| /operating_model/cells/downside_2027q1_noncash_bridge:downside/label | None | Pretax earnings plus noncash expenses |
| /operating_model/cells/downside_2027q1_noncash_bridge:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_noncash_bridge:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_noncash_bridge:downside/value | None | 504.36249999999995 |
| /operating_model/cells/downside_2027q1_operating_cash_uses:downside/basis | None | Covers fee amortization, tax timing and other operating balances, not cash loan originations. |
| /operating_model/cells/downside_2027q1_operating_cash_uses:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_operating_cash_uses:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q1_operating_cash_uses:downside/formula/refs/0 | None | downside_2027q1_cash_tax |
| /operating_model/cells/downside_2027q1_operating_cash_uses:downside/formula/refs/1 | None | downside_2027q1_working_capital_use |
| /operating_model/cells/downside_2027q1_operating_cash_uses:downside/id | None | downside_2027q1_operating_cash_uses |
| /operating_model/cells/downside_2027q1_operating_cash_uses:downside/kind | None | derived |
| /operating_model/cells/downside_2027q1_operating_cash_uses:downside/label | None | Cash tax and other operating timing |
| /operating_model/cells/downside_2027q1_operating_cash_uses:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_operating_cash_uses:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_operating_cash_uses:downside/value | None | 29.80299999999998 |
| /operating_model/cells/downside_2027q1_operating_income:downside/basis | None | No Grasshopper synergies or one-time transaction recovery assumed. |
| /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_net_revenue |
| /operating_model/cells/downside_2027q1_operating_income:downside/formula/refs/1 | None | downside_2027q1_opex |
| /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 | GAAP 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 | 162.94999999999993 |
| /operating_model/cells/downside_2027q1_operations:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q1_operations:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_operations:downside/id | None | downside_2027q1_operations |
| /operating_model/cells/downside_2027q1_operations:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q1_operations:downside/label | None | Operations and technology |
| /operating_model/cells/downside_2027q1_operations:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_operations:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_operations:downside/value | None | 94.0 |
| /operating_model/cells/downside_2027q1_opex:downside/basis | None | SBC is already within departmental expense; add back only in cash bridge. |
| /operating_model/cells/downside_2027q1_opex:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_opex:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q1_opex:downside/formula/refs/0 | None | downside_2027q1_marketing |
| /operating_model/cells/downside_2027q1_opex:downside/formula/refs/1 | None | downside_2027q1_operations |
| /operating_model/cells/downside_2027q1_opex:downside/formula/refs/2 | None | downside_2027q1_ga |
| /operating_model/cells/downside_2027q1_opex:downside/formula/refs/3 | None | downside_2027q1_da |
| /operating_model/cells/downside_2027q1_opex:downside/id | None | downside_2027q1_opex |
| /operating_model/cells/downside_2027q1_opex:downside/kind | None | derived |
| /operating_model/cells/downside_2027q1_opex:downside/label | None | Operating expense |
| /operating_model/cells/downside_2027q1_opex:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_opex:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_opex:downside/value | None | 377.1 |
| /operating_model/cells/downside_2027q1_other_revenue:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q1_other_revenue:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_other_revenue:downside/id | None | downside_2027q1_other_revenue |
| /operating_model/cells/downside_2027q1_other_revenue:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q1_other_revenue:downside/label | None | Other revenue |
| /operating_model/cells/downside_2027q1_other_revenue:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_other_revenue:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_other_revenue:downside/value | None | 15.0 |
| /operating_model/cells/downside_2027q1_pretax:downside/basis | None | No speculative nonoperating gains. |
| /operating_model/cells/downside_2027q1_pretax:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_pretax:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q1_pretax:downside/formula/refs/0 | None | downside_2027q1_operating_income |
| /operating_model/cells/downside_2027q1_pretax:downside/formula/refs/1 | None | downside_2027q1_interest |
| /operating_model/cells/downside_2027q1_pretax:downside/id | None | downside_2027q1_pretax |
| /operating_model/cells/downside_2027q1_pretax:downside/kind | None | derived |
| /operating_model/cells/downside_2027q1_pretax:downside/label | None | Pretax earnings proxy |
| /operating_model/cells/downside_2027q1_pretax:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_pretax:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_pretax:downside/value | None | 45.01249999999992 |
| /operating_model/cells/downside_2027q1_principal_receipts:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q1_principal_receipts:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_principal_receipts:downside/id | None | downside_2027q1_principal_receipts |
| /operating_model/cells/downside_2027q1_principal_receipts:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q1_principal_receipts:downside/label | None | Cash principal collections |
| /operating_model/cells/downside_2027q1_principal_receipts:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_principal_receipts:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_principal_receipts:downside/value | None | 1710.0 |
| /operating_model/cells/downside_2027q1_quarter_fraction:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q1_quarter_fraction:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_quarter_fraction:downside/id | None | downside_2027q1_quarter_fraction |
| /operating_model/cells/downside_2027q1_quarter_fraction:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q1_quarter_fraction:downside/label | None | Quarter of annual rate |
| /operating_model/cells/downside_2027q1_quarter_fraction:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_quarter_fraction:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q1_quarter_fraction:downside/value | None | 0.25 |
| /operating_model/cells/downside_2027q1_revenue:downside/basis | None | No bank acquisition contribution. |
| /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_consumer_revenue |
| /operating_model/cells/downside_2027q1_revenue:downside/formula/refs/1 | None | downside_2027q1_business_revenue |
| /operating_model/cells/downside_2027q1_revenue:downside/formula/refs/2 | None | downside_2027q1_other_revenue |
| /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 | Total 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 | 980.0 |
| /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 | SBC expense |
| /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 | 9.8 |
| /operating_model/cells/downside_2027q1_working_capital_use:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q1_working_capital_use:downside/case | None | downside |
| /operating_model/cells/downside_2027q1_working_capital_use:downside/id | None | downside_2027q1_working_capital_use |
| /operating_model/cells/downside_2027q1_working_capital_use:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q1_working_capital_use:downside/label | None | Net other cash use |
| /operating_model/cells/downside_2027q1_working_capital_use:downside/period | None | 2027Q1 |
| /operating_model/cells/downside_2027q1_working_capital_use:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q1_working_capital_use:downside/value | None | 19.0 |
| /operating_model/cells/downside_2027q2_annual_interest_rate:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q2_annual_interest_rate:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_annual_interest_rate:downside/id | None | downside_2027q2_annual_interest_rate |
| /operating_model/cells/downside_2027q2_annual_interest_rate:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q2_annual_interest_rate:downside/label | None | Net annual debt cost including fees |
| /operating_model/cells/downside_2027q2_annual_interest_rate:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_annual_interest_rate:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q2_annual_interest_rate:downside/value | None | 0.085 |
| /operating_model/cells/downside_2027q2_average_debt:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q2_average_debt:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_average_debt:downside/id | None | downside_2027q2_average_debt |
| /operating_model/cells/downside_2027q2_average_debt:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q2_average_debt:downside/label | None | Average funded debt |
| /operating_model/cells/downside_2027q2_average_debt:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_average_debt:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_average_debt:downside/value | None | 5700.0 |
| /operating_model/cells/downside_2027q2_business_activity:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q2_business_activity:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_business_activity:downside/id | None | downside_2027q2_business_activity |
| /operating_model/cells/downside_2027q2_business_activity:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q2_business_activity:downside/label | None | Business average earning activity / Q2 |
| /operating_model/cells/downside_2027q2_business_activity:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_business_activity:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q2_business_activity:downside/value | None | 1.1245930748742232 |
| /operating_model/cells/downside_2027q2_business_credit_cost:downside/basis | None | Credit and valuation sensitivity, not a cohort charge-off forecast. |
| /operating_model/cells/downside_2027q2_business_credit_cost:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_business_credit_cost:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2027q2_business_credit_cost:downside/formula/refs/0 | None | downside_2027q2_business_revenue |
| /operating_model/cells/downside_2027q2_business_credit_cost:downside/formula/refs/1 | None | downside_2027q2_business_credit_ratio |
| /operating_model/cells/downside_2027q2_business_credit_cost:downside/id | None | downside_2027q2_business_credit_cost |
| /operating_model/cells/downside_2027q2_business_credit_cost:downside/kind | None | derived |
| /operating_model/cells/downside_2027q2_business_credit_cost:downside/label | None | Business fair-value expense |
| /operating_model/cells/downside_2027q2_business_credit_cost:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_business_credit_cost:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_business_credit_cost:downside/value | None | 207.48 |
| /operating_model/cells/downside_2027q2_business_credit_ratio:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q2_business_credit_ratio:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_business_credit_ratio:downside/id | None | downside_2027q2_business_credit_ratio |
| /operating_model/cells/downside_2027q2_business_credit_ratio:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q2_business_credit_ratio:downside/label | None | Business fair-value expense / revenue |
| /operating_model/cells/downside_2027q2_business_credit_ratio:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_business_credit_ratio:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q2_business_credit_ratio:downside/value | None | 0.42 |
| /operating_model/cells/downside_2027q2_business_revenue:downside/basis | None | Activity calibration and revenue yield can vary independently; includes interest and contractual fees. |
| /operating_model/cells/downside_2027q2_business_revenue:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_business_revenue:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2027q2_business_revenue:downside/formula/refs/0 | None | q2_business |
| /operating_model/cells/downside_2027q2_business_revenue:downside/formula/refs/1 | None | downside_2027q2_business_activity |
| /operating_model/cells/downside_2027q2_business_revenue:downside/formula/refs/2 | None | downside_2027q2_business_yield |
| /operating_model/cells/downside_2027q2_business_revenue:downside/id | None | downside_2027q2_business_revenue |
| /operating_model/cells/downside_2027q2_business_revenue:downside/kind | None | derived |
| /operating_model/cells/downside_2027q2_business_revenue:downside/label | None | Business lending revenue |
| /operating_model/cells/downside_2027q2_business_revenue:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_business_revenue:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_business_revenue:downside/value | None | 494.0 |
| /operating_model/cells/downside_2027q2_business_yield:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q2_business_yield:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_business_yield:downside/id | None | downside_2027q2_business_yield |
| /operating_model/cells/downside_2027q2_business_yield:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q2_business_yield:downside/label | None | Business revenue yield versus Q2 |
| /operating_model/cells/downside_2027q2_business_yield:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_business_yield:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q2_business_yield:downside/value | None | 1.0 |
| /operating_model/cells/downside_2027q2_buybacks:downside/basis | None | Desk capital allocation; H2 $100M below June $218M covenant availability. Later authorization and covenant capacity remain conditions. |
| /operating_model/cells/downside_2027q2_buybacks:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_buybacks:downside/id | None | downside_2027q2_buybacks |
| /operating_model/cells/downside_2027q2_buybacks:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q2_buybacks:downside/label | None | Share repurchases |
| /operating_model/cells/downside_2027q2_buybacks:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_buybacks:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_buybacks:downside/value | None | 35.0 |
| /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 | Cash fixed assets and software |
| /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 | 16.0 |
| /operating_model/cells/downside_2027q2_cash_after_claims:downside/basis | None | Before debt amortization, refinancing, fees and reserve transfers; not equity distributable cash. |
| /operating_model/cells/downside_2027q2_cash_after_claims:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_cash_after_claims:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q2_cash_after_claims:downside/formula/refs/0 | None | downside_2027q2_cash_after_lending |
| /operating_model/cells/downside_2027q2_cash_after_claims:downside/formula/refs/1 | None | downside_2027q2_buybacks |
| /operating_model/cells/downside_2027q2_cash_after_claims:downside/id | None | downside_2027q2_cash_after_claims |
| /operating_model/cells/downside_2027q2_cash_after_claims:downside/kind | None | derived |
| /operating_model/cells/downside_2027q2_cash_after_claims:downside/label | None | Cash after lending and repurchases |
| /operating_model/cells/downside_2027q2_cash_after_claims:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_cash_after_claims:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_cash_after_claims:downside/value | None | -207.96779999999995 |
| /operating_model/cells/downside_2027q2_cash_after_lending:downside/basis | None | No new debt proceeds included. |
| /operating_model/cells/downside_2027q2_cash_after_lending:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_cash_after_lending:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q2_cash_after_lending:downside/formula/refs/0 | None | downside_2027q2_cfo |
| /operating_model/cells/downside_2027q2_cash_after_lending:downside/formula/refs/1 | None | downside_2027q2_cash_investment |
| /operating_model/cells/downside_2027q2_cash_after_lending:downside/id | None | downside_2027q2_cash_after_lending |
| /operating_model/cells/downside_2027q2_cash_after_lending:downside/kind | None | derived |
| /operating_model/cells/downside_2027q2_cash_after_lending:downside/label | None | Cash after capex and loan investment |
| /operating_model/cells/downside_2027q2_cash_after_lending:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_cash_after_lending:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_cash_after_lending:downside/value | None | -172.96779999999995 |
| /operating_model/cells/downside_2027q2_cash_investment:downside/basis | None | Loan growth can consume more than reported CFO. |
| /operating_model/cells/downside_2027q2_cash_investment:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_cash_investment:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q2_cash_investment:downside/formula/refs/0 | None | downside_2027q2_capex |
| /operating_model/cells/downside_2027q2_cash_investment:downside/formula/refs/1 | None | downside_2027q2_loan_investment |
| /operating_model/cells/downside_2027q2_cash_investment:downside/id | None | downside_2027q2_cash_investment |
| /operating_model/cells/downside_2027q2_cash_investment:downside/kind | None | derived |
| /operating_model/cells/downside_2027q2_cash_investment:downside/label | None | Cash capital and net loan investment |
| /operating_model/cells/downside_2027q2_cash_investment:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_cash_investment:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_cash_investment:downside/value | None | 666.0 |
| /operating_model/cells/downside_2027q2_cash_originations:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q2_cash_originations:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_cash_originations:downside/id | None | downside_2027q2_cash_originations |
| /operating_model/cells/downside_2027q2_cash_originations:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q2_cash_originations:downside/label | None | Cash loan originations |
| /operating_model/cells/downside_2027q2_cash_originations:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_cash_originations:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_cash_originations:downside/value | None | 2400.0 |
| /operating_model/cells/downside_2027q2_cash_tax:downside/basis | None | All configured pretax cases are positive; negative stress would require a cash-tax floor. |
| /operating_model/cells/downside_2027q2_cash_tax:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_cash_tax:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2027q2_cash_tax:downside/formula/refs/0 | None | downside_2027q2_pretax |
| /operating_model/cells/downside_2027q2_cash_tax:downside/formula/refs/1 | None | downside_2027q2_cash_tax_rate |
| /operating_model/cells/downside_2027q2_cash_tax:downside/id | None | downside_2027q2_cash_tax |
| /operating_model/cells/downside_2027q2_cash_tax:downside/kind | None | derived |
| /operating_model/cells/downside_2027q2_cash_tax:downside/label | None | Cash tax allowance |
| /operating_model/cells/downside_2027q2_cash_tax:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_cash_tax:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_cash_tax:downside/value | None | 11.542800000000003 |
| /operating_model/cells/downside_2027q2_cash_tax_rate:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q2_cash_tax_rate:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_cash_tax_rate:downside/id | None | downside_2027q2_cash_tax_rate |
| /operating_model/cells/downside_2027q2_cash_tax_rate:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q2_cash_tax_rate:downside/label | None | Cash taxes / modeled pretax income |
| /operating_model/cells/downside_2027q2_cash_tax_rate:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_cash_tax_rate:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q2_cash_tax_rate:downside/value | None | 0.24 |
| /operating_model/cells/downside_2027q2_cfo:downside/basis | None | Analytical CFO proxy; credit losses affect earnings and principal collections, not an extra cash expense. |
| /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_noncash_bridge |
| /operating_model/cells/downside_2027q2_cfo:downside/formula/refs/1 | None | downside_2027q2_operating_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 before loan investment |
| /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 | 493.03220000000005 |
| /operating_model/cells/downside_2027q2_consumer_activity:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q2_consumer_activity:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_consumer_activity:downside/id | None | downside_2027q2_consumer_activity |
| /operating_model/cells/downside_2027q2_consumer_activity:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q2_consumer_activity:downside/label | None | Consumer average earning activity / Q2 |
| /operating_model/cells/downside_2027q2_consumer_activity:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_consumer_activity:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q2_consumer_activity:downside/value | None | 1.068244037208406 |
| /operating_model/cells/downside_2027q2_consumer_credit_cost:downside/basis | None | Credit and valuation sensitivity, not a cohort charge-off forecast. |
| /operating_model/cells/downside_2027q2_consumer_credit_cost:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_consumer_credit_cost:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2027q2_consumer_credit_cost:downside/formula/refs/0 | None | downside_2027q2_consumer_revenue |
| /operating_model/cells/downside_2027q2_consumer_credit_cost:downside/formula/refs/1 | None | downside_2027q2_consumer_credit_ratio |
| /operating_model/cells/downside_2027q2_consumer_credit_cost:downside/id | None | downside_2027q2_consumer_credit_cost |
| /operating_model/cells/downside_2027q2_consumer_credit_cost:downside/kind | None | derived |
| /operating_model/cells/downside_2027q2_consumer_credit_cost:downside/label | None | Consumer fair-value expense |
| /operating_model/cells/downside_2027q2_consumer_credit_cost:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_consumer_credit_cost:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_consumer_credit_cost:downside/value | None | 249.9 |
| /operating_model/cells/downside_2027q2_consumer_credit_ratio:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q2_consumer_credit_ratio:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_consumer_credit_ratio:downside/id | None | downside_2027q2_consumer_credit_ratio |
| /operating_model/cells/downside_2027q2_consumer_credit_ratio:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q2_consumer_credit_ratio:downside/label | None | Consumer fair-value expense / revenue |
| /operating_model/cells/downside_2027q2_consumer_credit_ratio:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_consumer_credit_ratio:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q2_consumer_credit_ratio:downside/value | None | 0.49 |
| /operating_model/cells/downside_2027q2_consumer_revenue:downside/basis | None | Activity calibration and revenue yield can vary independently; includes interest and contractual fees. |
| /operating_model/cells/downside_2027q2_consumer_revenue:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_consumer_revenue:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2027q2_consumer_revenue:downside/formula/refs/0 | None | q2_consumer |
| /operating_model/cells/downside_2027q2_consumer_revenue:downside/formula/refs/1 | None | downside_2027q2_consumer_activity |
| /operating_model/cells/downside_2027q2_consumer_revenue:downside/formula/refs/2 | None | downside_2027q2_consumer_yield |
| /operating_model/cells/downside_2027q2_consumer_revenue:downside/id | None | downside_2027q2_consumer_revenue |
| /operating_model/cells/downside_2027q2_consumer_revenue:downside/kind | None | derived |
| /operating_model/cells/downside_2027q2_consumer_revenue:downside/label | None | Consumer lending revenue |
| /operating_model/cells/downside_2027q2_consumer_revenue:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_consumer_revenue:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_consumer_revenue:downside/value | None | 510.0 |
| /operating_model/cells/downside_2027q2_consumer_yield:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q2_consumer_yield:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_consumer_yield:downside/id | None | downside_2027q2_consumer_yield |
| /operating_model/cells/downside_2027q2_consumer_yield:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q2_consumer_yield:downside/label | None | Consumer revenue yield versus Q2 |
| /operating_model/cells/downside_2027q2_consumer_yield:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_consumer_yield:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q2_consumer_yield:downside/value | None | 1.0 |
| /operating_model/cells/downside_2027q2_credit_cost:downside/basis | None | No double counting of charge-offs below fair-value expense. |
| /operating_model/cells/downside_2027q2_credit_cost:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_credit_cost:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q2_credit_cost:downside/formula/refs/0 | None | downside_2027q2_consumer_credit_cost |
| /operating_model/cells/downside_2027q2_credit_cost:downside/formula/refs/1 | None | downside_2027q2_business_credit_cost |
| /operating_model/cells/downside_2027q2_credit_cost:downside/id | None | downside_2027q2_credit_cost |
| /operating_model/cells/downside_2027q2_credit_cost:downside/kind | None | derived |
| /operating_model/cells/downside_2027q2_credit_cost:downside/label | None | Total fair-value expense |
| /operating_model/cells/downside_2027q2_credit_cost:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_credit_cost:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_credit_cost:downside/value | None | 457.38 |
| /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 | Depreciation and amortization |
| /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 | 9.9 |
| /operating_model/cells/downside_2027q2_ga:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q2_ga:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_ga:downside/id | None | downside_2027q2_ga |
| /operating_model/cells/downside_2027q2_ga:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q2_ga:downside/label | None | General and administrative |
| /operating_model/cells/downside_2027q2_ga:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_ga:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_ga:downside/value | None | 55.0 |
| /operating_model/cells/downside_2027q2_interest:downside/basis | None | Blended cost for corporate and funding debt; commitments are not treated as draws. |
| /operating_model/cells/downside_2027q2_interest:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_interest:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2027q2_interest:downside/formula/refs/0 | None | downside_2027q2_average_debt |
| /operating_model/cells/downside_2027q2_interest:downside/formula/refs/1 | None | downside_2027q2_annual_interest_rate |
| /operating_model/cells/downside_2027q2_interest:downside/formula/refs/2 | None | downside_2027q2_quarter_fraction |
| /operating_model/cells/downside_2027q2_interest:downside/id | None | downside_2027q2_interest |
| /operating_model/cells/downside_2027q2_interest:downside/kind | None | derived |
| /operating_model/cells/downside_2027q2_interest:downside/label | None | Net funding and corporate interest |
| /operating_model/cells/downside_2027q2_interest:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_interest:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_interest:downside/value | None | 121.12500000000001 |
| /operating_model/cells/downside_2027q2_loan_investment:downside/basis | None | Excludes interest collections already in operating cash and noncash renewals. |
| /operating_model/cells/downside_2027q2_loan_investment:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_loan_investment:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q2_loan_investment:downside/formula/refs/0 | None | downside_2027q2_cash_originations |
| /operating_model/cells/downside_2027q2_loan_investment:downside/formula/refs/1 | None | downside_2027q2_principal_receipts |
| /operating_model/cells/downside_2027q2_loan_investment:downside/id | None | downside_2027q2_loan_investment |
| /operating_model/cells/downside_2027q2_loan_investment:downside/kind | None | derived |
| /operating_model/cells/downside_2027q2_loan_investment:downside/label | None | Net cash loan investment |
| /operating_model/cells/downside_2027q2_loan_investment:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_loan_investment:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_loan_investment:downside/value | None | 650.0 |
| /operating_model/cells/downside_2027q2_marketing:downside/basis | None | Acquisition expense retained in earnings. |
| /operating_model/cells/downside_2027q2_marketing:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_marketing:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2027q2_marketing:downside/formula/refs/0 | None | downside_2027q2_revenue |
| /operating_model/cells/downside_2027q2_marketing:downside/formula/refs/1 | None | downside_2027q2_marketing_ratio |
| /operating_model/cells/downside_2027q2_marketing:downside/id | None | downside_2027q2_marketing |
| /operating_model/cells/downside_2027q2_marketing:downside/kind | None | derived |
| /operating_model/cells/downside_2027q2_marketing:downside/label | None | Marketing expense |
| /operating_model/cells/downside_2027q2_marketing:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_marketing:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_marketing:downside/value | None | 229.5 |
| /operating_model/cells/downside_2027q2_marketing_ratio:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q2_marketing_ratio:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_marketing_ratio:downside/id | None | downside_2027q2_marketing_ratio |
| /operating_model/cells/downside_2027q2_marketing_ratio:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q2_marketing_ratio:downside/label | None | Marketing / revenue |
| /operating_model/cells/downside_2027q2_marketing_ratio:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_marketing_ratio:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q2_marketing_ratio:downside/value | None | 0.225 |
| /operating_model/cells/downside_2027q2_net_revenue:downside/basis | None | Financial-company net revenue, not industrial gross profit. |
| /operating_model/cells/downside_2027q2_net_revenue:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_net_revenue:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q2_net_revenue:downside/formula/refs/0 | None | downside_2027q2_revenue |
| /operating_model/cells/downside_2027q2_net_revenue:downside/formula/refs/1 | None | downside_2027q2_credit_cost |
| /operating_model/cells/downside_2027q2_net_revenue:downside/id | None | downside_2027q2_net_revenue |
| /operating_model/cells/downside_2027q2_net_revenue:downside/kind | None | derived |
| /operating_model/cells/downside_2027q2_net_revenue:downside/label | None | Revenue after fair-value expense |
| /operating_model/cells/downside_2027q2_net_revenue:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_net_revenue:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_net_revenue:downside/value | None | 562.62 |
| /operating_model/cells/downside_2027q2_noncash_bridge:downside/basis | None | Fair-value expense assumed noncash here; loan receipts are modeled separately. |
| /operating_model/cells/downside_2027q2_noncash_bridge:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_noncash_bridge:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q2_noncash_bridge:downside/formula/refs/0 | None | downside_2027q2_pretax |
| /operating_model/cells/downside_2027q2_noncash_bridge:downside/formula/refs/1 | None | downside_2027q2_credit_cost |
| /operating_model/cells/downside_2027q2_noncash_bridge:downside/formula/refs/2 | None | downside_2027q2_da |
| /operating_model/cells/downside_2027q2_noncash_bridge:downside/formula/refs/3 | None | downside_2027q2_sbc |
| /operating_model/cells/downside_2027q2_noncash_bridge:downside/id | None | downside_2027q2_noncash_bridge |
| /operating_model/cells/downside_2027q2_noncash_bridge:downside/kind | None | derived |
| /operating_model/cells/downside_2027q2_noncash_bridge:downside/label | None | Pretax earnings plus noncash expenses |
| /operating_model/cells/downside_2027q2_noncash_bridge:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_noncash_bridge:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_noncash_bridge:downside/value | None | 525.575 |
| /operating_model/cells/downside_2027q2_operating_cash_uses:downside/basis | None | Covers fee amortization, tax timing and other operating balances, not cash loan originations. |
| /operating_model/cells/downside_2027q2_operating_cash_uses:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_operating_cash_uses:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q2_operating_cash_uses:downside/formula/refs/0 | None | downside_2027q2_cash_tax |
| /operating_model/cells/downside_2027q2_operating_cash_uses:downside/formula/refs/1 | None | downside_2027q2_working_capital_use |
| /operating_model/cells/downside_2027q2_operating_cash_uses:downside/id | None | downside_2027q2_operating_cash_uses |
| /operating_model/cells/downside_2027q2_operating_cash_uses:downside/kind | None | derived |
| /operating_model/cells/downside_2027q2_operating_cash_uses:downside/label | None | Cash tax and other operating timing |
| /operating_model/cells/downside_2027q2_operating_cash_uses:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_operating_cash_uses:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_operating_cash_uses:downside/value | None | 32.5428 |
| /operating_model/cells/downside_2027q2_operating_income:downside/basis | None | No Grasshopper synergies or one-time transaction recovery assumed. |
| /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_net_revenue |
| /operating_model/cells/downside_2027q2_operating_income:downside/formula/refs/1 | None | downside_2027q2_opex |
| /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 | GAAP 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 | 169.22000000000003 |
| /operating_model/cells/downside_2027q2_operations:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q2_operations:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_operations:downside/id | None | downside_2027q2_operations |
| /operating_model/cells/downside_2027q2_operations:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q2_operations:downside/label | None | Operations and technology |
| /operating_model/cells/downside_2027q2_operations:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_operations:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_operations:downside/value | None | 99.0 |
| /operating_model/cells/downside_2027q2_opex:downside/basis | None | SBC is already within departmental expense; add back only in cash bridge. |
| /operating_model/cells/downside_2027q2_opex:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_opex:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q2_opex:downside/formula/refs/0 | None | downside_2027q2_marketing |
| /operating_model/cells/downside_2027q2_opex:downside/formula/refs/1 | None | downside_2027q2_operations |
| /operating_model/cells/downside_2027q2_opex:downside/formula/refs/2 | None | downside_2027q2_ga |
| /operating_model/cells/downside_2027q2_opex:downside/formula/refs/3 | None | downside_2027q2_da |
| /operating_model/cells/downside_2027q2_opex:downside/id | None | downside_2027q2_opex |
| /operating_model/cells/downside_2027q2_opex:downside/kind | None | derived |
| /operating_model/cells/downside_2027q2_opex:downside/label | None | Operating expense |
| /operating_model/cells/downside_2027q2_opex:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_opex:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_opex:downside/value | None | 393.4 |
| /operating_model/cells/downside_2027q2_other_revenue:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q2_other_revenue:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_other_revenue:downside/id | None | downside_2027q2_other_revenue |
| /operating_model/cells/downside_2027q2_other_revenue:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q2_other_revenue:downside/label | None | Other revenue |
| /operating_model/cells/downside_2027q2_other_revenue:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_other_revenue:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_other_revenue:downside/value | None | 16.0 |
| /operating_model/cells/downside_2027q2_pretax:downside/basis | None | No speculative nonoperating gains. |
| /operating_model/cells/downside_2027q2_pretax:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_pretax:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q2_pretax:downside/formula/refs/0 | None | downside_2027q2_operating_income |
| /operating_model/cells/downside_2027q2_pretax:downside/formula/refs/1 | None | downside_2027q2_interest |
| /operating_model/cells/downside_2027q2_pretax:downside/id | None | downside_2027q2_pretax |
| /operating_model/cells/downside_2027q2_pretax:downside/kind | None | derived |
| /operating_model/cells/downside_2027q2_pretax:downside/label | None | Pretax earnings proxy |
| /operating_model/cells/downside_2027q2_pretax:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_pretax:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_pretax:downside/value | None | 48.09500000000001 |
| /operating_model/cells/downside_2027q2_principal_receipts:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q2_principal_receipts:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_principal_receipts:downside/id | None | downside_2027q2_principal_receipts |
| /operating_model/cells/downside_2027q2_principal_receipts:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q2_principal_receipts:downside/label | None | Cash principal collections |
| /operating_model/cells/downside_2027q2_principal_receipts:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_principal_receipts:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_principal_receipts:downside/value | None | 1750.0 |
| /operating_model/cells/downside_2027q2_quarter_fraction:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q2_quarter_fraction:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_quarter_fraction:downside/id | None | downside_2027q2_quarter_fraction |
| /operating_model/cells/downside_2027q2_quarter_fraction:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q2_quarter_fraction:downside/label | None | Quarter of annual rate |
| /operating_model/cells/downside_2027q2_quarter_fraction:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_quarter_fraction:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q2_quarter_fraction:downside/value | None | 0.25 |
| /operating_model/cells/downside_2027q2_revenue:downside/basis | None | No bank acquisition contribution. |
| /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_consumer_revenue |
| /operating_model/cells/downside_2027q2_revenue:downside/formula/refs/1 | None | downside_2027q2_business_revenue |
| /operating_model/cells/downside_2027q2_revenue:downside/formula/refs/2 | None | downside_2027q2_other_revenue |
| /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 | Total 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 | 1020.0 |
| /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 | SBC expense |
| /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 | 10.2 |
| /operating_model/cells/downside_2027q2_working_capital_use:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q2_working_capital_use:downside/case | None | downside |
| /operating_model/cells/downside_2027q2_working_capital_use:downside/id | None | downside_2027q2_working_capital_use |
| /operating_model/cells/downside_2027q2_working_capital_use:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q2_working_capital_use:downside/label | None | Net other cash use |
| /operating_model/cells/downside_2027q2_working_capital_use:downside/period | None | 2027Q2 |
| /operating_model/cells/downside_2027q2_working_capital_use:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q2_working_capital_use:downside/value | None | 21.0 |
| /operating_model/cells/downside_2027q3_annual_interest_rate:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q3_annual_interest_rate:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_annual_interest_rate:downside/id | None | downside_2027q3_annual_interest_rate |
| /operating_model/cells/downside_2027q3_annual_interest_rate:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q3_annual_interest_rate:downside/label | None | Net annual debt cost including fees |
| /operating_model/cells/downside_2027q3_annual_interest_rate:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_annual_interest_rate:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q3_annual_interest_rate:downside/value | None | 0.085 |
| /operating_model/cells/downside_2027q3_average_debt:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q3_average_debt:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_average_debt:downside/id | None | downside_2027q3_average_debt |
| /operating_model/cells/downside_2027q3_average_debt:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q3_average_debt:downside/label | None | Average funded debt |
| /operating_model/cells/downside_2027q3_average_debt:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_average_debt:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_average_debt:downside/value | None | 5900.0 |
| /operating_model/cells/downside_2027q3_business_activity:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q3_business_activity:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_business_activity:downside/id | None | downside_2027q3_business_activity |
| /operating_model/cells/downside_2027q3_business_activity:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q3_business_activity:downside/label | None | Business average earning activity / Q2 |
| /operating_model/cells/downside_2027q3_business_activity:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_business_activity:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q3_business_activity:downside/value | None | 1.1678466546770778 |
| /operating_model/cells/downside_2027q3_business_credit_cost:downside/basis | None | Credit and valuation sensitivity, not a cohort charge-off forecast. |
| /operating_model/cells/downside_2027q3_business_credit_cost:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_business_credit_cost:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2027q3_business_credit_cost:downside/formula/refs/0 | None | downside_2027q3_business_revenue |
| /operating_model/cells/downside_2027q3_business_credit_cost:downside/formula/refs/1 | None | downside_2027q3_business_credit_ratio |
| /operating_model/cells/downside_2027q3_business_credit_cost:downside/id | None | downside_2027q3_business_credit_cost |
| /operating_model/cells/downside_2027q3_business_credit_cost:downside/kind | None | derived |
| /operating_model/cells/downside_2027q3_business_credit_cost:downside/label | None | Business fair-value expense |
| /operating_model/cells/downside_2027q3_business_credit_cost:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_business_credit_cost:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_business_credit_cost:downside/value | None | 215.45999999999998 |
| /operating_model/cells/downside_2027q3_business_credit_ratio:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q3_business_credit_ratio:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_business_credit_ratio:downside/id | None | downside_2027q3_business_credit_ratio |
| /operating_model/cells/downside_2027q3_business_credit_ratio:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q3_business_credit_ratio:downside/label | None | Business fair-value expense / revenue |
| /operating_model/cells/downside_2027q3_business_credit_ratio:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_business_credit_ratio:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q3_business_credit_ratio:downside/value | None | 0.42 |
| /operating_model/cells/downside_2027q3_business_revenue:downside/basis | None | Activity calibration and revenue yield can vary independently; includes interest and contractual fees. |
| /operating_model/cells/downside_2027q3_business_revenue:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_business_revenue:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2027q3_business_revenue:downside/formula/refs/0 | None | q2_business |
| /operating_model/cells/downside_2027q3_business_revenue:downside/formula/refs/1 | None | downside_2027q3_business_activity |
| /operating_model/cells/downside_2027q3_business_revenue:downside/formula/refs/2 | None | downside_2027q3_business_yield |
| /operating_model/cells/downside_2027q3_business_revenue:downside/id | None | downside_2027q3_business_revenue |
| /operating_model/cells/downside_2027q3_business_revenue:downside/kind | None | derived |
| /operating_model/cells/downside_2027q3_business_revenue:downside/label | None | Business lending revenue |
| /operating_model/cells/downside_2027q3_business_revenue:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_business_revenue:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_business_revenue:downside/value | None | 513.0 |
| /operating_model/cells/downside_2027q3_business_yield:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q3_business_yield:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_business_yield:downside/id | None | downside_2027q3_business_yield |
| /operating_model/cells/downside_2027q3_business_yield:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q3_business_yield:downside/label | None | Business revenue yield versus Q2 |
| /operating_model/cells/downside_2027q3_business_yield:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_business_yield:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q3_business_yield:downside/value | None | 1.0 |
| /operating_model/cells/downside_2027q3_buybacks:downside/basis | None | Desk capital allocation; H2 $100M below June $218M covenant availability. Later authorization and covenant capacity remain conditions. |
| /operating_model/cells/downside_2027q3_buybacks:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_buybacks:downside/id | None | downside_2027q3_buybacks |
| /operating_model/cells/downside_2027q3_buybacks:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q3_buybacks:downside/label | None | Share repurchases |
| /operating_model/cells/downside_2027q3_buybacks:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_buybacks:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_buybacks:downside/value | None | 35.0 |
| /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 | Cash fixed assets and software |
| /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 | 17.0 |
| /operating_model/cells/downside_2027q3_cash_after_claims:downside/basis | None | Before debt amortization, refinancing, fees and reserve transfers; not equity distributable cash. |
| /operating_model/cells/downside_2027q3_cash_after_claims:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_cash_after_claims:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q3_cash_after_claims:downside/formula/refs/0 | None | downside_2027q3_cash_after_lending |
| /operating_model/cells/downside_2027q3_cash_after_claims:downside/formula/refs/1 | None | downside_2027q3_buybacks |
| /operating_model/cells/downside_2027q3_cash_after_claims:downside/id | None | downside_2027q3_cash_after_claims |
| /operating_model/cells/downside_2027q3_cash_after_claims:downside/kind | None | derived |
| /operating_model/cells/downside_2027q3_cash_after_claims:downside/label | None | Cash after lending and repurchases |
| /operating_model/cells/downside_2027q3_cash_after_claims:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_cash_after_claims:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_cash_after_claims:downside/value | None | -324.1525999999999 |
| /operating_model/cells/downside_2027q3_cash_after_lending:downside/basis | None | No new debt proceeds included. |
| /operating_model/cells/downside_2027q3_cash_after_lending:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_cash_after_lending:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q3_cash_after_lending:downside/formula/refs/0 | None | downside_2027q3_cfo |
| /operating_model/cells/downside_2027q3_cash_after_lending:downside/formula/refs/1 | None | downside_2027q3_cash_investment |
| /operating_model/cells/downside_2027q3_cash_after_lending:downside/id | None | downside_2027q3_cash_after_lending |
| /operating_model/cells/downside_2027q3_cash_after_lending:downside/kind | None | derived |
| /operating_model/cells/downside_2027q3_cash_after_lending:downside/label | None | Cash after capex and loan investment |
| /operating_model/cells/downside_2027q3_cash_after_lending:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_cash_after_lending:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_cash_after_lending:downside/value | None | -289.1525999999999 |
| /operating_model/cells/downside_2027q3_cash_investment:downside/basis | None | Loan growth can consume more than reported CFO. |
| /operating_model/cells/downside_2027q3_cash_investment:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_cash_investment:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q3_cash_investment:downside/formula/refs/0 | None | downside_2027q3_capex |
| /operating_model/cells/downside_2027q3_cash_investment:downside/formula/refs/1 | None | downside_2027q3_loan_investment |
| /operating_model/cells/downside_2027q3_cash_investment:downside/id | None | downside_2027q3_cash_investment |
| /operating_model/cells/downside_2027q3_cash_investment:downside/kind | None | derived |
| /operating_model/cells/downside_2027q3_cash_investment:downside/label | None | Cash capital and net loan investment |
| /operating_model/cells/downside_2027q3_cash_investment:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_cash_investment:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_cash_investment:downside/value | None | 807.0 |
| /operating_model/cells/downside_2027q3_cash_originations:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q3_cash_originations:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_cash_originations:downside/id | None | downside_2027q3_cash_originations |
| /operating_model/cells/downside_2027q3_cash_originations:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q3_cash_originations:downside/label | None | Cash loan originations |
| /operating_model/cells/downside_2027q3_cash_originations:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_cash_originations:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_cash_originations:downside/value | None | 2600.0 |
| /operating_model/cells/downside_2027q3_cash_tax:downside/basis | None | All configured pretax cases are positive; negative stress would require a cash-tax floor. |
| /operating_model/cells/downside_2027q3_cash_tax:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_cash_tax:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2027q3_cash_tax:downside/formula/refs/0 | None | downside_2027q3_pretax |
| /operating_model/cells/downside_2027q3_cash_tax:downside/formula/refs/1 | None | downside_2027q3_cash_tax_rate |
| /operating_model/cells/downside_2027q3_cash_tax:downside/id | None | downside_2027q3_cash_tax |
| /operating_model/cells/downside_2027q3_cash_tax:downside/kind | None | derived |
| /operating_model/cells/downside_2027q3_cash_tax:downside/label | None | Cash tax allowance |
| /operating_model/cells/downside_2027q3_cash_tax:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_cash_tax:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_cash_tax:downside/value | None | 12.627600000000012 |
| /operating_model/cells/downside_2027q3_cash_tax_rate:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q3_cash_tax_rate:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_cash_tax_rate:downside/id | None | downside_2027q3_cash_tax_rate |
| /operating_model/cells/downside_2027q3_cash_tax_rate:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q3_cash_tax_rate:downside/label | None | Cash taxes / modeled pretax income |
| /operating_model/cells/downside_2027q3_cash_tax_rate:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_cash_tax_rate:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q3_cash_tax_rate:downside/value | None | 0.24 |
| /operating_model/cells/downside_2027q3_cfo:downside/basis | None | Analytical CFO proxy; credit losses affect earnings and principal collections, not an extra cash expense. |
| /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_noncash_bridge |
| /operating_model/cells/downside_2027q3_cfo:downside/formula/refs/1 | None | downside_2027q3_operating_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 before loan investment |
| /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 | 517.8474000000001 |
| /operating_model/cells/downside_2027q3_consumer_activity:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q3_consumer_activity:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_consumer_activity:downside/id | None | downside_2027q3_consumer_activity |
| /operating_model/cells/downside_2027q3_consumer_activity:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q3_consumer_activity:downside/label | None | Consumer average earning activity / Q2 |
| /operating_model/cells/downside_2027q3_consumer_activity:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_consumer_activity:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q3_consumer_activity:downside/value | None | 1.131081921750077 |
| /operating_model/cells/downside_2027q3_consumer_credit_cost:downside/basis | None | Credit and valuation sensitivity, not a cohort charge-off forecast. |
| /operating_model/cells/downside_2027q3_consumer_credit_cost:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_consumer_credit_cost:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2027q3_consumer_credit_cost:downside/formula/refs/0 | None | downside_2027q3_consumer_revenue |
| /operating_model/cells/downside_2027q3_consumer_credit_cost:downside/formula/refs/1 | None | downside_2027q3_consumer_credit_ratio |
| /operating_model/cells/downside_2027q3_consumer_credit_cost:downside/id | None | downside_2027q3_consumer_credit_cost |
| /operating_model/cells/downside_2027q3_consumer_credit_cost:downside/kind | None | derived |
| /operating_model/cells/downside_2027q3_consumer_credit_cost:downside/label | None | Consumer fair-value expense |
| /operating_model/cells/downside_2027q3_consumer_credit_cost:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_consumer_credit_cost:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_consumer_credit_cost:downside/value | None | 264.6 |
| /operating_model/cells/downside_2027q3_consumer_credit_ratio:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q3_consumer_credit_ratio:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_consumer_credit_ratio:downside/id | None | downside_2027q3_consumer_credit_ratio |
| /operating_model/cells/downside_2027q3_consumer_credit_ratio:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q3_consumer_credit_ratio:downside/label | None | Consumer fair-value expense / revenue |
| /operating_model/cells/downside_2027q3_consumer_credit_ratio:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_consumer_credit_ratio:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q3_consumer_credit_ratio:downside/value | None | 0.49 |
| /operating_model/cells/downside_2027q3_consumer_revenue:downside/basis | None | Activity calibration and revenue yield can vary independently; includes interest and contractual fees. |
| /operating_model/cells/downside_2027q3_consumer_revenue:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_consumer_revenue:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2027q3_consumer_revenue:downside/formula/refs/0 | None | q2_consumer |
| /operating_model/cells/downside_2027q3_consumer_revenue:downside/formula/refs/1 | None | downside_2027q3_consumer_activity |
| /operating_model/cells/downside_2027q3_consumer_revenue:downside/formula/refs/2 | None | downside_2027q3_consumer_yield |
| /operating_model/cells/downside_2027q3_consumer_revenue:downside/id | None | downside_2027q3_consumer_revenue |
| /operating_model/cells/downside_2027q3_consumer_revenue:downside/kind | None | derived |
| /operating_model/cells/downside_2027q3_consumer_revenue:downside/label | None | Consumer lending revenue |
| /operating_model/cells/downside_2027q3_consumer_revenue:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_consumer_revenue:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_consumer_revenue:downside/value | None | 540.0 |
| /operating_model/cells/downside_2027q3_consumer_yield:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q3_consumer_yield:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_consumer_yield:downside/id | None | downside_2027q3_consumer_yield |
| /operating_model/cells/downside_2027q3_consumer_yield:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q3_consumer_yield:downside/label | None | Consumer revenue yield versus Q2 |
| /operating_model/cells/downside_2027q3_consumer_yield:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_consumer_yield:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q3_consumer_yield:downside/value | None | 1.0 |
| /operating_model/cells/downside_2027q3_credit_cost:downside/basis | None | No double counting of charge-offs below fair-value expense. |
| /operating_model/cells/downside_2027q3_credit_cost:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_credit_cost:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q3_credit_cost:downside/formula/refs/0 | None | downside_2027q3_consumer_credit_cost |
| /operating_model/cells/downside_2027q3_credit_cost:downside/formula/refs/1 | None | downside_2027q3_business_credit_cost |
| /operating_model/cells/downside_2027q3_credit_cost:downside/id | None | downside_2027q3_credit_cost |
| /operating_model/cells/downside_2027q3_credit_cost:downside/kind | None | derived |
| /operating_model/cells/downside_2027q3_credit_cost:downside/label | None | Total fair-value expense |
| /operating_model/cells/downside_2027q3_credit_cost:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_credit_cost:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_credit_cost:downside/value | None | 480.06 |
| /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 | Depreciation and amortization |
| /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 | 10.2 |
| /operating_model/cells/downside_2027q3_ga:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q3_ga:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_ga:downside/id | None | downside_2027q3_ga |
| /operating_model/cells/downside_2027q3_ga:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q3_ga:downside/label | None | General and administrative |
| /operating_model/cells/downside_2027q3_ga:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_ga:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_ga:downside/value | None | 57.0 |
| /operating_model/cells/downside_2027q3_interest:downside/basis | None | Blended cost for corporate and funding debt; commitments are not treated as draws. |
| /operating_model/cells/downside_2027q3_interest:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_interest:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2027q3_interest:downside/formula/refs/0 | None | downside_2027q3_average_debt |
| /operating_model/cells/downside_2027q3_interest:downside/formula/refs/1 | None | downside_2027q3_annual_interest_rate |
| /operating_model/cells/downside_2027q3_interest:downside/formula/refs/2 | None | downside_2027q3_quarter_fraction |
| /operating_model/cells/downside_2027q3_interest:downside/id | None | downside_2027q3_interest |
| /operating_model/cells/downside_2027q3_interest:downside/kind | None | derived |
| /operating_model/cells/downside_2027q3_interest:downside/label | None | Net funding and corporate interest |
| /operating_model/cells/downside_2027q3_interest:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_interest:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_interest:downside/value | None | 125.37500000000001 |
| /operating_model/cells/downside_2027q3_loan_investment:downside/basis | None | Excludes interest collections already in operating cash and noncash renewals. |
| /operating_model/cells/downside_2027q3_loan_investment:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_loan_investment:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q3_loan_investment:downside/formula/refs/0 | None | downside_2027q3_cash_originations |
| /operating_model/cells/downside_2027q3_loan_investment:downside/formula/refs/1 | None | downside_2027q3_principal_receipts |
| /operating_model/cells/downside_2027q3_loan_investment:downside/id | None | downside_2027q3_loan_investment |
| /operating_model/cells/downside_2027q3_loan_investment:downside/kind | None | derived |
| /operating_model/cells/downside_2027q3_loan_investment:downside/label | None | Net cash loan investment |
| /operating_model/cells/downside_2027q3_loan_investment:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_loan_investment:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_loan_investment:downside/value | None | 790.0 |
| /operating_model/cells/downside_2027q3_marketing:downside/basis | None | Acquisition expense retained in earnings. |
| /operating_model/cells/downside_2027q3_marketing:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_marketing:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2027q3_marketing:downside/formula/refs/0 | None | downside_2027q3_revenue |
| /operating_model/cells/downside_2027q3_marketing:downside/formula/refs/1 | None | downside_2027q3_marketing_ratio |
| /operating_model/cells/downside_2027q3_marketing:downside/id | None | downside_2027q3_marketing |
| /operating_model/cells/downside_2027q3_marketing:downside/kind | None | derived |
| /operating_model/cells/downside_2027q3_marketing:downside/label | None | Marketing expense |
| /operating_model/cells/downside_2027q3_marketing:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_marketing:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_marketing:downside/value | None | 240.75 |
| /operating_model/cells/downside_2027q3_marketing_ratio:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q3_marketing_ratio:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_marketing_ratio:downside/id | None | downside_2027q3_marketing_ratio |
| /operating_model/cells/downside_2027q3_marketing_ratio:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q3_marketing_ratio:downside/label | None | Marketing / revenue |
| /operating_model/cells/downside_2027q3_marketing_ratio:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_marketing_ratio:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q3_marketing_ratio:downside/value | None | 0.225 |
| /operating_model/cells/downside_2027q3_net_revenue:downside/basis | None | Financial-company net revenue, not industrial gross profit. |
| /operating_model/cells/downside_2027q3_net_revenue:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_net_revenue:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q3_net_revenue:downside/formula/refs/0 | None | downside_2027q3_revenue |
| /operating_model/cells/downside_2027q3_net_revenue:downside/formula/refs/1 | None | downside_2027q3_credit_cost |
| /operating_model/cells/downside_2027q3_net_revenue:downside/id | None | downside_2027q3_net_revenue |
| /operating_model/cells/downside_2027q3_net_revenue:downside/kind | None | derived |
| /operating_model/cells/downside_2027q3_net_revenue:downside/label | None | Revenue after fair-value expense |
| /operating_model/cells/downside_2027q3_net_revenue:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_net_revenue:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_net_revenue:downside/value | None | 589.94 |
| /operating_model/cells/downside_2027q3_noncash_bridge:downside/basis | None | Fair-value expense assumed noncash here; loan receipts are modeled separately. |
| /operating_model/cells/downside_2027q3_noncash_bridge:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_noncash_bridge:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q3_noncash_bridge:downside/formula/refs/0 | None | downside_2027q3_pretax |
| /operating_model/cells/downside_2027q3_noncash_bridge:downside/formula/refs/1 | None | downside_2027q3_credit_cost |
| /operating_model/cells/downside_2027q3_noncash_bridge:downside/formula/refs/2 | None | downside_2027q3_da |
| /operating_model/cells/downside_2027q3_noncash_bridge:downside/formula/refs/3 | None | downside_2027q3_sbc |
| /operating_model/cells/downside_2027q3_noncash_bridge:downside/id | None | downside_2027q3_noncash_bridge |
| /operating_model/cells/downside_2027q3_noncash_bridge:downside/kind | None | derived |
| /operating_model/cells/downside_2027q3_noncash_bridge:downside/label | None | Pretax earnings plus noncash expenses |
| /operating_model/cells/downside_2027q3_noncash_bridge:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_noncash_bridge:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_noncash_bridge:downside/value | None | 553.4750000000001 |
| /operating_model/cells/downside_2027q3_operating_cash_uses:downside/basis | None | Covers fee amortization, tax timing and other operating balances, not cash loan originations. |
| /operating_model/cells/downside_2027q3_operating_cash_uses:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_operating_cash_uses:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q3_operating_cash_uses:downside/formula/refs/0 | None | downside_2027q3_cash_tax |
| /operating_model/cells/downside_2027q3_operating_cash_uses:downside/formula/refs/1 | None | downside_2027q3_working_capital_use |
| /operating_model/cells/downside_2027q3_operating_cash_uses:downside/id | None | downside_2027q3_operating_cash_uses |
| /operating_model/cells/downside_2027q3_operating_cash_uses:downside/kind | None | derived |
| /operating_model/cells/downside_2027q3_operating_cash_uses:downside/label | None | Cash tax and other operating timing |
| /operating_model/cells/downside_2027q3_operating_cash_uses:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_operating_cash_uses:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_operating_cash_uses:downside/value | None | 35.627600000000015 |
| /operating_model/cells/downside_2027q3_operating_income:downside/basis | None | No Grasshopper synergies or one-time transaction recovery assumed. |
| /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_net_revenue |
| /operating_model/cells/downside_2027q3_operating_income:downside/formula/refs/1 | None | downside_2027q3_opex |
| /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 | GAAP 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 | 177.99000000000007 |
| /operating_model/cells/downside_2027q3_operations:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q3_operations:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_operations:downside/id | None | downside_2027q3_operations |
| /operating_model/cells/downside_2027q3_operations:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q3_operations:downside/label | None | Operations and technology |
| /operating_model/cells/downside_2027q3_operations:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_operations:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_operations:downside/value | None | 104.0 |
| /operating_model/cells/downside_2027q3_opex:downside/basis | None | SBC is already within departmental expense; add back only in cash bridge. |
| /operating_model/cells/downside_2027q3_opex:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_opex:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q3_opex:downside/formula/refs/0 | None | downside_2027q3_marketing |
| /operating_model/cells/downside_2027q3_opex:downside/formula/refs/1 | None | downside_2027q3_operations |
| /operating_model/cells/downside_2027q3_opex:downside/formula/refs/2 | None | downside_2027q3_ga |
| /operating_model/cells/downside_2027q3_opex:downside/formula/refs/3 | None | downside_2027q3_da |
| /operating_model/cells/downside_2027q3_opex:downside/id | None | downside_2027q3_opex |
| /operating_model/cells/downside_2027q3_opex:downside/kind | None | derived |
| /operating_model/cells/downside_2027q3_opex:downside/label | None | Operating expense |
| /operating_model/cells/downside_2027q3_opex:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_opex:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_opex:downside/value | None | 411.95 |
| /operating_model/cells/downside_2027q3_other_revenue:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q3_other_revenue:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_other_revenue:downside/id | None | downside_2027q3_other_revenue |
| /operating_model/cells/downside_2027q3_other_revenue:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q3_other_revenue:downside/label | None | Other revenue |
| /operating_model/cells/downside_2027q3_other_revenue:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_other_revenue:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_other_revenue:downside/value | None | 17.0 |
| /operating_model/cells/downside_2027q3_pretax:downside/basis | None | No speculative nonoperating gains. |
| /operating_model/cells/downside_2027q3_pretax:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_pretax:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q3_pretax:downside/formula/refs/0 | None | downside_2027q3_operating_income |
| /operating_model/cells/downside_2027q3_pretax:downside/formula/refs/1 | None | downside_2027q3_interest |
| /operating_model/cells/downside_2027q3_pretax:downside/id | None | downside_2027q3_pretax |
| /operating_model/cells/downside_2027q3_pretax:downside/kind | None | derived |
| /operating_model/cells/downside_2027q3_pretax:downside/label | None | Pretax earnings proxy |
| /operating_model/cells/downside_2027q3_pretax:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_pretax:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_pretax:downside/value | None | 52.61500000000005 |
| /operating_model/cells/downside_2027q3_principal_receipts:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q3_principal_receipts:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_principal_receipts:downside/id | None | downside_2027q3_principal_receipts |
| /operating_model/cells/downside_2027q3_principal_receipts:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q3_principal_receipts:downside/label | None | Cash principal collections |
| /operating_model/cells/downside_2027q3_principal_receipts:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_principal_receipts:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_principal_receipts:downside/value | None | 1810.0 |
| /operating_model/cells/downside_2027q3_quarter_fraction:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q3_quarter_fraction:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_quarter_fraction:downside/id | None | downside_2027q3_quarter_fraction |
| /operating_model/cells/downside_2027q3_quarter_fraction:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q3_quarter_fraction:downside/label | None | Quarter of annual rate |
| /operating_model/cells/downside_2027q3_quarter_fraction:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_quarter_fraction:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q3_quarter_fraction:downside/value | None | 0.25 |
| /operating_model/cells/downside_2027q3_revenue:downside/basis | None | No bank acquisition contribution. |
| /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_consumer_revenue |
| /operating_model/cells/downside_2027q3_revenue:downside/formula/refs/1 | None | downside_2027q3_business_revenue |
| /operating_model/cells/downside_2027q3_revenue:downside/formula/refs/2 | None | downside_2027q3_other_revenue |
| /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 | Total 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 | 1070.0 |
| /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 | SBC expense |
| /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 | 10.6 |
| /operating_model/cells/downside_2027q3_working_capital_use:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q3_working_capital_use:downside/case | None | downside |
| /operating_model/cells/downside_2027q3_working_capital_use:downside/id | None | downside_2027q3_working_capital_use |
| /operating_model/cells/downside_2027q3_working_capital_use:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q3_working_capital_use:downside/label | None | Net other cash use |
| /operating_model/cells/downside_2027q3_working_capital_use:downside/period | None | 2027Q3 |
| /operating_model/cells/downside_2027q3_working_capital_use:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q3_working_capital_use:downside/value | None | 23.0 |
| /operating_model/cells/downside_2027q4_annual_interest_rate:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q4_annual_interest_rate:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_annual_interest_rate:downside/id | None | downside_2027q4_annual_interest_rate |
| /operating_model/cells/downside_2027q4_annual_interest_rate:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q4_annual_interest_rate:downside/label | None | Net annual debt cost including fees |
| /operating_model/cells/downside_2027q4_annual_interest_rate:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_annual_interest_rate:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q4_annual_interest_rate:downside/value | None | 0.085 |
| /operating_model/cells/downside_2027q4_average_debt:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q4_average_debt:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_average_debt:downside/id | None | downside_2027q4_average_debt |
| /operating_model/cells/downside_2027q4_average_debt:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q4_average_debt:downside/label | None | Average funded debt |
| /operating_model/cells/downside_2027q4_average_debt:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_average_debt:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_average_debt:downside/value | None | 6050.0 |
| /operating_model/cells/downside_2027q4_business_activity:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q4_business_activity:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_business_activity:downside/id | None | downside_2027q4_business_activity |
| /operating_model/cells/downside_2027q4_business_activity:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q4_business_activity:downside/label | None | Business average earning activity / Q2 |
| /operating_model/cells/downside_2027q4_business_activity:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_business_activity:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q4_business_activity:downside/value | None | 1.2224827554806839 |
| /operating_model/cells/downside_2027q4_business_credit_cost:downside/basis | None | Credit and valuation sensitivity, not a cohort charge-off forecast. |
| /operating_model/cells/downside_2027q4_business_credit_cost:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_business_credit_cost:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2027q4_business_credit_cost:downside/formula/refs/0 | None | downside_2027q4_business_revenue |
| /operating_model/cells/downside_2027q4_business_credit_cost:downside/formula/refs/1 | None | downside_2027q4_business_credit_ratio |
| /operating_model/cells/downside_2027q4_business_credit_cost:downside/id | None | downside_2027q4_business_credit_cost |
| /operating_model/cells/downside_2027q4_business_credit_cost:downside/kind | None | derived |
| /operating_model/cells/downside_2027q4_business_credit_cost:downside/label | None | Business fair-value expense |
| /operating_model/cells/downside_2027q4_business_credit_cost:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_business_credit_cost:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_business_credit_cost:downside/value | None | 225.54 |
| /operating_model/cells/downside_2027q4_business_credit_ratio:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q4_business_credit_ratio:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_business_credit_ratio:downside/id | None | downside_2027q4_business_credit_ratio |
| /operating_model/cells/downside_2027q4_business_credit_ratio:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q4_business_credit_ratio:downside/label | None | Business fair-value expense / revenue |
| /operating_model/cells/downside_2027q4_business_credit_ratio:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_business_credit_ratio:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q4_business_credit_ratio:downside/value | None | 0.42 |
| /operating_model/cells/downside_2027q4_business_revenue:downside/basis | None | Activity calibration and revenue yield can vary independently; includes interest and contractual fees. |
| /operating_model/cells/downside_2027q4_business_revenue:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_business_revenue:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2027q4_business_revenue:downside/formula/refs/0 | None | q2_business |
| /operating_model/cells/downside_2027q4_business_revenue:downside/formula/refs/1 | None | downside_2027q4_business_activity |
| /operating_model/cells/downside_2027q4_business_revenue:downside/formula/refs/2 | None | downside_2027q4_business_yield |
| /operating_model/cells/downside_2027q4_business_revenue:downside/id | None | downside_2027q4_business_revenue |
| /operating_model/cells/downside_2027q4_business_revenue:downside/kind | None | derived |
| /operating_model/cells/downside_2027q4_business_revenue:downside/label | None | Business lending revenue |
| /operating_model/cells/downside_2027q4_business_revenue:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_business_revenue:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_business_revenue:downside/value | None | 537.0 |
| /operating_model/cells/downside_2027q4_business_yield:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q4_business_yield:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_business_yield:downside/id | None | downside_2027q4_business_yield |
| /operating_model/cells/downside_2027q4_business_yield:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q4_business_yield:downside/label | None | Business revenue yield versus Q2 |
| /operating_model/cells/downside_2027q4_business_yield:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_business_yield:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q4_business_yield:downside/value | None | 1.0 |
| /operating_model/cells/downside_2027q4_buybacks:downside/basis | None | Desk capital allocation; H2 $100M below June $218M covenant availability. Later authorization and covenant capacity remain conditions. |
| /operating_model/cells/downside_2027q4_buybacks:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_buybacks:downside/id | None | downside_2027q4_buybacks |
| /operating_model/cells/downside_2027q4_buybacks:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q4_buybacks:downside/label | None | Share repurchases |
| /operating_model/cells/downside_2027q4_buybacks:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_buybacks:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_buybacks:downside/value | None | 35.0 |
| /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 | Cash fixed assets and software |
| /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 | 18.0 |
| /operating_model/cells/downside_2027q4_cash_after_claims:downside/basis | None | Before debt amortization, refinancing, fees and reserve transfers; not equity distributable cash. |
| /operating_model/cells/downside_2027q4_cash_after_claims:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_cash_after_claims:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q4_cash_after_claims:downside/formula/refs/0 | None | downside_2027q4_cash_after_lending |
| /operating_model/cells/downside_2027q4_cash_after_claims:downside/formula/refs/1 | None | downside_2027q4_buybacks |
| /operating_model/cells/downside_2027q4_cash_after_claims:downside/id | None | downside_2027q4_cash_after_claims |
| /operating_model/cells/downside_2027q4_cash_after_claims:downside/kind | None | derived |
| /operating_model/cells/downside_2027q4_cash_after_claims:downside/label | None | Cash after lending and repurchases |
| /operating_model/cells/downside_2027q4_cash_after_claims:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_cash_after_claims:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_cash_after_claims:downside/value | None | -293.7459 |
| /operating_model/cells/downside_2027q4_cash_after_lending:downside/basis | None | No new debt proceeds included. |
| /operating_model/cells/downside_2027q4_cash_after_lending:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_cash_after_lending:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q4_cash_after_lending:downside/formula/refs/0 | None | downside_2027q4_cfo |
| /operating_model/cells/downside_2027q4_cash_after_lending:downside/formula/refs/1 | None | downside_2027q4_cash_investment |
| /operating_model/cells/downside_2027q4_cash_after_lending:downside/id | None | downside_2027q4_cash_after_lending |
| /operating_model/cells/downside_2027q4_cash_after_lending:downside/kind | None | derived |
| /operating_model/cells/downside_2027q4_cash_after_lending:downside/label | None | Cash after capex and loan investment |
| /operating_model/cells/downside_2027q4_cash_after_lending:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_cash_after_lending:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_cash_after_lending:downside/value | None | -258.7459 |
| /operating_model/cells/downside_2027q4_cash_investment:downside/basis | None | Loan growth can consume more than reported CFO. |
| /operating_model/cells/downside_2027q4_cash_investment:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_cash_investment:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q4_cash_investment:downside/formula/refs/0 | None | downside_2027q4_capex |
| /operating_model/cells/downside_2027q4_cash_investment:downside/formula/refs/1 | None | downside_2027q4_loan_investment |
| /operating_model/cells/downside_2027q4_cash_investment:downside/id | None | downside_2027q4_cash_investment |
| /operating_model/cells/downside_2027q4_cash_investment:downside/kind | None | derived |
| /operating_model/cells/downside_2027q4_cash_investment:downside/label | None | Cash capital and net loan investment |
| /operating_model/cells/downside_2027q4_cash_investment:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_cash_investment:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_cash_investment:downside/value | None | 788.0 |
| /operating_model/cells/downside_2027q4_cash_originations:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q4_cash_originations:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_cash_originations:downside/id | None | downside_2027q4_cash_originations |
| /operating_model/cells/downside_2027q4_cash_originations:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q4_cash_originations:downside/label | None | Cash loan originations |
| /operating_model/cells/downside_2027q4_cash_originations:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_cash_originations:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_cash_originations:downside/value | None | 2650.0 |
| /operating_model/cells/downside_2027q4_cash_tax:downside/basis | None | All configured pretax cases are positive; negative stress would require a cash-tax floor. |
| /operating_model/cells/downside_2027q4_cash_tax:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_cash_tax:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2027q4_cash_tax:downside/formula/refs/0 | None | downside_2027q4_pretax |
| /operating_model/cells/downside_2027q4_cash_tax:downside/formula/refs/1 | None | downside_2027q4_cash_tax_rate |
| /operating_model/cells/downside_2027q4_cash_tax:downside/id | None | downside_2027q4_cash_tax |
| /operating_model/cells/downside_2027q4_cash_tax:downside/kind | None | derived |
| /operating_model/cells/downside_2027q4_cash_tax:downside/label | None | Cash tax allowance |
| /operating_model/cells/downside_2027q4_cash_tax:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_cash_tax:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_cash_tax:downside/value | None | 12.683399999999992 |
| /operating_model/cells/downside_2027q4_cash_tax_rate:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q4_cash_tax_rate:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_cash_tax_rate:downside/id | None | downside_2027q4_cash_tax_rate |
| /operating_model/cells/downside_2027q4_cash_tax_rate:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q4_cash_tax_rate:downside/label | None | Cash taxes / modeled pretax income |
| /operating_model/cells/downside_2027q4_cash_tax_rate:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_cash_tax_rate:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q4_cash_tax_rate:downside/value | None | 0.24 |
| /operating_model/cells/downside_2027q4_cfo:downside/basis | None | Analytical CFO proxy; credit losses affect earnings and principal collections, not an extra cash expense. |
| /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_noncash_bridge |
| /operating_model/cells/downside_2027q4_cfo:downside/formula/refs/1 | None | downside_2027q4_operating_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 before loan investment |
| /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 | 529.2541 |
| /operating_model/cells/downside_2027q4_consumer_activity:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q4_consumer_activity:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_consumer_activity:downside/id | None | downside_2027q4_consumer_activity |
| /operating_model/cells/downside_2027q4_consumer_activity:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q4_consumer_activity:downside/label | None | Consumer average earning activity / Q2 |
| /operating_model/cells/downside_2027q4_consumer_activity:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_consumer_activity:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q4_consumer_activity:downside/value | None | 1.1415549025070222 |
| /operating_model/cells/downside_2027q4_consumer_credit_cost:downside/basis | None | Credit and valuation sensitivity, not a cohort charge-off forecast. |
| /operating_model/cells/downside_2027q4_consumer_credit_cost:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_consumer_credit_cost:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2027q4_consumer_credit_cost:downside/formula/refs/0 | None | downside_2027q4_consumer_revenue |
| /operating_model/cells/downside_2027q4_consumer_credit_cost:downside/formula/refs/1 | None | downside_2027q4_consumer_credit_ratio |
| /operating_model/cells/downside_2027q4_consumer_credit_cost:downside/id | None | downside_2027q4_consumer_credit_cost |
| /operating_model/cells/downside_2027q4_consumer_credit_cost:downside/kind | None | derived |
| /operating_model/cells/downside_2027q4_consumer_credit_cost:downside/label | None | Consumer fair-value expense |
| /operating_model/cells/downside_2027q4_consumer_credit_cost:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_consumer_credit_cost:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_consumer_credit_cost:downside/value | None | 267.05 |
| /operating_model/cells/downside_2027q4_consumer_credit_ratio:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q4_consumer_credit_ratio:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_consumer_credit_ratio:downside/id | None | downside_2027q4_consumer_credit_ratio |
| /operating_model/cells/downside_2027q4_consumer_credit_ratio:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q4_consumer_credit_ratio:downside/label | None | Consumer fair-value expense / revenue |
| /operating_model/cells/downside_2027q4_consumer_credit_ratio:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_consumer_credit_ratio:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q4_consumer_credit_ratio:downside/value | None | 0.49 |
| /operating_model/cells/downside_2027q4_consumer_revenue:downside/basis | None | Activity calibration and revenue yield can vary independently; includes interest and contractual fees. |
| /operating_model/cells/downside_2027q4_consumer_revenue:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_consumer_revenue:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2027q4_consumer_revenue:downside/formula/refs/0 | None | q2_consumer |
| /operating_model/cells/downside_2027q4_consumer_revenue:downside/formula/refs/1 | None | downside_2027q4_consumer_activity |
| /operating_model/cells/downside_2027q4_consumer_revenue:downside/formula/refs/2 | None | downside_2027q4_consumer_yield |
| /operating_model/cells/downside_2027q4_consumer_revenue:downside/id | None | downside_2027q4_consumer_revenue |
| /operating_model/cells/downside_2027q4_consumer_revenue:downside/kind | None | derived |
| /operating_model/cells/downside_2027q4_consumer_revenue:downside/label | None | Consumer lending revenue |
| /operating_model/cells/downside_2027q4_consumer_revenue:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_consumer_revenue:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_consumer_revenue:downside/value | None | 545.0 |
| /operating_model/cells/downside_2027q4_consumer_yield:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q4_consumer_yield:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_consumer_yield:downside/id | None | downside_2027q4_consumer_yield |
| /operating_model/cells/downside_2027q4_consumer_yield:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q4_consumer_yield:downside/label | None | Consumer revenue yield versus Q2 |
| /operating_model/cells/downside_2027q4_consumer_yield:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_consumer_yield:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q4_consumer_yield:downside/value | None | 1.0 |
| /operating_model/cells/downside_2027q4_credit_cost:downside/basis | None | No double counting of charge-offs below fair-value expense. |
| /operating_model/cells/downside_2027q4_credit_cost:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_credit_cost:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q4_credit_cost:downside/formula/refs/0 | None | downside_2027q4_consumer_credit_cost |
| /operating_model/cells/downside_2027q4_credit_cost:downside/formula/refs/1 | None | downside_2027q4_business_credit_cost |
| /operating_model/cells/downside_2027q4_credit_cost:downside/id | None | downside_2027q4_credit_cost |
| /operating_model/cells/downside_2027q4_credit_cost:downside/kind | None | derived |
| /operating_model/cells/downside_2027q4_credit_cost:downside/label | None | Total fair-value expense |
| /operating_model/cells/downside_2027q4_credit_cost:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_credit_cost:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_credit_cost:downside/value | None | 492.59000000000003 |
| /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 | Depreciation and amortization |
| /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 | 10.5 |
| /operating_model/cells/downside_2027q4_ga:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q4_ga:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_ga:downside/id | None | downside_2027q4_ga |
| /operating_model/cells/downside_2027q4_ga:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q4_ga:downside/label | None | General and administrative |
| /operating_model/cells/downside_2027q4_ga:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_ga:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_ga:downside/value | None | 59.0 |
| /operating_model/cells/downside_2027q4_interest:downside/basis | None | Blended cost for corporate and funding debt; commitments are not treated as draws. |
| /operating_model/cells/downside_2027q4_interest:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_interest:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2027q4_interest:downside/formula/refs/0 | None | downside_2027q4_average_debt |
| /operating_model/cells/downside_2027q4_interest:downside/formula/refs/1 | None | downside_2027q4_annual_interest_rate |
| /operating_model/cells/downside_2027q4_interest:downside/formula/refs/2 | None | downside_2027q4_quarter_fraction |
| /operating_model/cells/downside_2027q4_interest:downside/id | None | downside_2027q4_interest |
| /operating_model/cells/downside_2027q4_interest:downside/kind | None | derived |
| /operating_model/cells/downside_2027q4_interest:downside/label | None | Net funding and corporate interest |
| /operating_model/cells/downside_2027q4_interest:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_interest:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_interest:downside/value | None | 128.5625 |
| /operating_model/cells/downside_2027q4_loan_investment:downside/basis | None | Excludes interest collections already in operating cash and noncash renewals. |
| /operating_model/cells/downside_2027q4_loan_investment:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_loan_investment:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q4_loan_investment:downside/formula/refs/0 | None | downside_2027q4_cash_originations |
| /operating_model/cells/downside_2027q4_loan_investment:downside/formula/refs/1 | None | downside_2027q4_principal_receipts |
| /operating_model/cells/downside_2027q4_loan_investment:downside/id | None | downside_2027q4_loan_investment |
| /operating_model/cells/downside_2027q4_loan_investment:downside/kind | None | derived |
| /operating_model/cells/downside_2027q4_loan_investment:downside/label | None | Net cash loan investment |
| /operating_model/cells/downside_2027q4_loan_investment:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_loan_investment:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_loan_investment:downside/value | None | 770.0 |
| /operating_model/cells/downside_2027q4_marketing:downside/basis | None | Acquisition expense retained in earnings. |
| /operating_model/cells/downside_2027q4_marketing:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_marketing:downside/formula/op | None | multiply |
| /operating_model/cells/downside_2027q4_marketing:downside/formula/refs/0 | None | downside_2027q4_revenue |
| /operating_model/cells/downside_2027q4_marketing:downside/formula/refs/1 | None | downside_2027q4_marketing_ratio |
| /operating_model/cells/downside_2027q4_marketing:downside/id | None | downside_2027q4_marketing |
| /operating_model/cells/downside_2027q4_marketing:downside/kind | None | derived |
| /operating_model/cells/downside_2027q4_marketing:downside/label | None | Marketing expense |
| /operating_model/cells/downside_2027q4_marketing:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_marketing:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_marketing:downside/value | None | 247.5 |
| /operating_model/cells/downside_2027q4_marketing_ratio:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q4_marketing_ratio:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_marketing_ratio:downside/id | None | downside_2027q4_marketing_ratio |
| /operating_model/cells/downside_2027q4_marketing_ratio:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q4_marketing_ratio:downside/label | None | Marketing / revenue |
| /operating_model/cells/downside_2027q4_marketing_ratio:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_marketing_ratio:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q4_marketing_ratio:downside/value | None | 0.225 |
| /operating_model/cells/downside_2027q4_net_revenue:downside/basis | None | Financial-company net revenue, not industrial gross profit. |
| /operating_model/cells/downside_2027q4_net_revenue:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_net_revenue:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q4_net_revenue:downside/formula/refs/0 | None | downside_2027q4_revenue |
| /operating_model/cells/downside_2027q4_net_revenue:downside/formula/refs/1 | None | downside_2027q4_credit_cost |
| /operating_model/cells/downside_2027q4_net_revenue:downside/id | None | downside_2027q4_net_revenue |
| /operating_model/cells/downside_2027q4_net_revenue:downside/kind | None | derived |
| /operating_model/cells/downside_2027q4_net_revenue:downside/label | None | Revenue after fair-value expense |
| /operating_model/cells/downside_2027q4_net_revenue:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_net_revenue:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_net_revenue:downside/value | None | 607.41 |
| /operating_model/cells/downside_2027q4_noncash_bridge:downside/basis | None | Fair-value expense assumed noncash here; loan receipts are modeled separately. |
| /operating_model/cells/downside_2027q4_noncash_bridge:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_noncash_bridge:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q4_noncash_bridge:downside/formula/refs/0 | None | downside_2027q4_pretax |
| /operating_model/cells/downside_2027q4_noncash_bridge:downside/formula/refs/1 | None | downside_2027q4_credit_cost |
| /operating_model/cells/downside_2027q4_noncash_bridge:downside/formula/refs/2 | None | downside_2027q4_da |
| /operating_model/cells/downside_2027q4_noncash_bridge:downside/formula/refs/3 | None | downside_2027q4_sbc |
| /operating_model/cells/downside_2027q4_noncash_bridge:downside/id | None | downside_2027q4_noncash_bridge |
| /operating_model/cells/downside_2027q4_noncash_bridge:downside/kind | None | derived |
| /operating_model/cells/downside_2027q4_noncash_bridge:downside/label | None | Pretax earnings plus noncash expenses |
| /operating_model/cells/downside_2027q4_noncash_bridge:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_noncash_bridge:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_noncash_bridge:downside/value | None | 566.9375 |
| /operating_model/cells/downside_2027q4_operating_cash_uses:downside/basis | None | Covers fee amortization, tax timing and other operating balances, not cash loan originations. |
| /operating_model/cells/downside_2027q4_operating_cash_uses:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_operating_cash_uses:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q4_operating_cash_uses:downside/formula/refs/0 | None | downside_2027q4_cash_tax |
| /operating_model/cells/downside_2027q4_operating_cash_uses:downside/formula/refs/1 | None | downside_2027q4_working_capital_use |
| /operating_model/cells/downside_2027q4_operating_cash_uses:downside/id | None | downside_2027q4_operating_cash_uses |
| /operating_model/cells/downside_2027q4_operating_cash_uses:downside/kind | None | derived |
| /operating_model/cells/downside_2027q4_operating_cash_uses:downside/label | None | Cash tax and other operating timing |
| /operating_model/cells/downside_2027q4_operating_cash_uses:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_operating_cash_uses:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_operating_cash_uses:downside/value | None | 37.68339999999999 |
| /operating_model/cells/downside_2027q4_operating_income:downside/basis | None | No Grasshopper synergies or one-time transaction recovery assumed. |
| /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_net_revenue |
| /operating_model/cells/downside_2027q4_operating_income:downside/formula/refs/1 | None | downside_2027q4_opex |
| /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 | GAAP 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 | 181.40999999999997 |
| /operating_model/cells/downside_2027q4_operations:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q4_operations:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_operations:downside/id | None | downside_2027q4_operations |
| /operating_model/cells/downside_2027q4_operations:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q4_operations:downside/label | None | Operations and technology |
| /operating_model/cells/downside_2027q4_operations:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_operations:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_operations:downside/value | None | 109.0 |
| /operating_model/cells/downside_2027q4_opex:downside/basis | None | SBC is already within departmental expense; add back only in cash bridge. |
| /operating_model/cells/downside_2027q4_opex:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_opex:downside/formula/op | None | sum |
| /operating_model/cells/downside_2027q4_opex:downside/formula/refs/0 | None | downside_2027q4_marketing |
| /operating_model/cells/downside_2027q4_opex:downside/formula/refs/1 | None | downside_2027q4_operations |
| /operating_model/cells/downside_2027q4_opex:downside/formula/refs/2 | None | downside_2027q4_ga |
| /operating_model/cells/downside_2027q4_opex:downside/formula/refs/3 | None | downside_2027q4_da |
| /operating_model/cells/downside_2027q4_opex:downside/id | None | downside_2027q4_opex |
| /operating_model/cells/downside_2027q4_opex:downside/kind | None | derived |
| /operating_model/cells/downside_2027q4_opex:downside/label | None | Operating expense |
| /operating_model/cells/downside_2027q4_opex:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_opex:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_opex:downside/value | None | 426.0 |
| /operating_model/cells/downside_2027q4_other_revenue:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q4_other_revenue:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_other_revenue:downside/id | None | downside_2027q4_other_revenue |
| /operating_model/cells/downside_2027q4_other_revenue:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q4_other_revenue:downside/label | None | Other revenue |
| /operating_model/cells/downside_2027q4_other_revenue:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_other_revenue:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_other_revenue:downside/value | None | 18.0 |
| /operating_model/cells/downside_2027q4_pretax:downside/basis | None | No speculative nonoperating gains. |
| /operating_model/cells/downside_2027q4_pretax:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_pretax:downside/formula/op | None | subtract |
| /operating_model/cells/downside_2027q4_pretax:downside/formula/refs/0 | None | downside_2027q4_operating_income |
| /operating_model/cells/downside_2027q4_pretax:downside/formula/refs/1 | None | downside_2027q4_interest |
| /operating_model/cells/downside_2027q4_pretax:downside/id | None | downside_2027q4_pretax |
| /operating_model/cells/downside_2027q4_pretax:downside/kind | None | derived |
| /operating_model/cells/downside_2027q4_pretax:downside/label | None | Pretax earnings proxy |
| /operating_model/cells/downside_2027q4_pretax:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_pretax:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_pretax:downside/value | None | 52.84749999999997 |
| /operating_model/cells/downside_2027q4_principal_receipts:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q4_principal_receipts:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_principal_receipts:downside/id | None | downside_2027q4_principal_receipts |
| /operating_model/cells/downside_2027q4_principal_receipts:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q4_principal_receipts:downside/label | None | Cash principal collections |
| /operating_model/cells/downside_2027q4_principal_receipts:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_principal_receipts:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_principal_receipts:downside/value | None | 1880.0 |
| /operating_model/cells/downside_2027q4_quarter_fraction:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q4_quarter_fraction:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_quarter_fraction:downside/id | None | downside_2027q4_quarter_fraction |
| /operating_model/cells/downside_2027q4_quarter_fraction:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q4_quarter_fraction:downside/label | None | Quarter of annual rate |
| /operating_model/cells/downside_2027q4_quarter_fraction:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_quarter_fraction:downside/unit | None | ratio |
| /operating_model/cells/downside_2027q4_quarter_fraction:downside/value | None | 0.25 |
| /operating_model/cells/downside_2027q4_revenue:downside/basis | None | No bank acquisition contribution. |
| /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_consumer_revenue |
| /operating_model/cells/downside_2027q4_revenue:downside/formula/refs/1 | None | downside_2027q4_business_revenue |
| /operating_model/cells/downside_2027q4_revenue:downside/formula/refs/2 | None | downside_2027q4_other_revenue |
| /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 | Total 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 | 1100.0 |
| /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 | SBC expense |
| /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 | 11.0 |
| /operating_model/cells/downside_2027q4_working_capital_use:downside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/downside_2027q4_working_capital_use:downside/case | None | downside |
| /operating_model/cells/downside_2027q4_working_capital_use:downside/id | None | downside_2027q4_working_capital_use |
| /operating_model/cells/downside_2027q4_working_capital_use:downside/kind | None | assumption |
| /operating_model/cells/downside_2027q4_working_capital_use:downside/label | None | Net other cash use |
| /operating_model/cells/downside_2027q4_working_capital_use:downside/period | None | 2027Q4 |
| /operating_model/cells/downside_2027q4_working_capital_use:downside/unit | None | USD_millions |
| /operating_model/cells/downside_2027q4_working_capital_use:downside/value | None | 25.0 |
| /operating_model/cells/downside_fy2026_buybacks:downside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/downside_fy2026_buybacks:downside/case | None | downside |
| /operating_model/cells/downside_fy2026_buybacks:downside/formula/op | None | sum |
| /operating_model/cells/downside_fy2026_buybacks:downside/formula/refs/0 | None | h1_buybacks |
| /operating_model/cells/downside_fy2026_buybacks:downside/formula/refs/1 | None | downside_2026q3_buybacks |
| /operating_model/cells/downside_fy2026_buybacks:downside/formula/refs/2 | None | downside_2026q4_buybacks |
| /operating_model/cells/downside_fy2026_buybacks:downside/id | None | downside_fy2026_buybacks |
| /operating_model/cells/downside_fy2026_buybacks:downside/kind | None | derived |
| /operating_model/cells/downside_fy2026_buybacks:downside/label | None | Share repurchase cash ($M) |
| /operating_model/cells/downside_fy2026_buybacks:downside/period | None | FY2026 |
| /operating_model/cells/downside_fy2026_buybacks:downside/unit | None | USD_millions |
| /operating_model/cells/downside_fy2026_buybacks:downside/value | None | 159.37 |
| /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 | Cash fixed assets and software ($M) |
| /operating_model/cells/downside_fy2026_capex:downside/period | None | FY2026 |
| /operating_model/cells/downside_fy2026_capex:downside/unit | None | USD_millions |
| /operating_model/cells/downside_fy2026_capex:downside/value | None | 50.364999999999995 |
| /operating_model/cells/downside_fy2026_cash_after_claims:downside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/downside_fy2026_cash_after_claims:downside/case | None | downside |
| /operating_model/cells/downside_fy2026_cash_after_claims:downside/formula/op | None | sum |
| /operating_model/cells/downside_fy2026_cash_after_claims:downside/formula/refs/0 | None | h1_cash_after_claims |
| /operating_model/cells/downside_fy2026_cash_after_claims:downside/formula/refs/1 | None | downside_2026q3_cash_after_claims |
| /operating_model/cells/downside_fy2026_cash_after_claims:downside/formula/refs/2 | None | downside_2026q4_cash_after_claims |
| /operating_model/cells/downside_fy2026_cash_after_claims:downside/id | None | downside_fy2026_cash_after_claims |
| /operating_model/cells/downside_fy2026_cash_after_claims:downside/kind | None | derived |
| /operating_model/cells/downside_fy2026_cash_after_claims:downside/label | None | Cash after lending and repurchases ($M) |
| /operating_model/cells/downside_fy2026_cash_after_claims:downside/period | None | FY2026 |
| /operating_model/cells/downside_fy2026_cash_after_claims:downside/unit | None | USD_millions |
| /operating_model/cells/downside_fy2026_cash_after_claims:downside/value | None | -1037.0601000000001 |
| /operating_model/cells/downside_fy2026_cash_after_lending: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_lending:downside/case | None | downside |
| /operating_model/cells/downside_fy2026_cash_after_lending:downside/formula/op | None | sum |
| /operating_model/cells/downside_fy2026_cash_after_lending:downside/formula/refs/0 | None | h1_cash_after_lending |
| /operating_model/cells/downside_fy2026_cash_after_lending:downside/formula/refs/1 | None | downside_2026q3_cash_after_lending |
| /operating_model/cells/downside_fy2026_cash_after_lending:downside/formula/refs/2 | None | downside_2026q4_cash_after_lending |
| /operating_model/cells/downside_fy2026_cash_after_lending:downside/id | None | downside_fy2026_cash_after_lending |
| /operating_model/cells/downside_fy2026_cash_after_lending:downside/kind | None | derived |
| /operating_model/cells/downside_fy2026_cash_after_lending:downside/label | None | Cash after capex and loan investment ($M) |
| /operating_model/cells/downside_fy2026_cash_after_lending:downside/period | None | FY2026 |
| /operating_model/cells/downside_fy2026_cash_after_lending:downside/unit | None | USD_millions |
| /operating_model/cells/downside_fy2026_cash_after_lending:downside/value | None | -877.6901 |
| /operating_model/cells/downside_fy2026_cfo:downside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/downside_fy2026_cfo:downside/case | None | downside |
| /operating_model/cells/downside_fy2026_cfo:downside/formula/op | None | sum |
| /operating_model/cells/downside_fy2026_cfo:downside/formula/refs/0 | None | h1_cfo |
| /operating_model/cells/downside_fy2026_cfo:downside/formula/refs/1 | None | downside_2026q3_cfo |
| /operating_model/cells/downside_fy2026_cfo:downside/formula/refs/2 | None | downside_2026q4_cfo |
| /operating_model/cells/downside_fy2026_cfo:downside/id | None | downside_fy2026_cfo |
| /operating_model/cells/downside_fy2026_cfo:downside/kind | None | derived |
| /operating_model/cells/downside_fy2026_cfo:downside/label | None | Operating cash before loan investment ($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 | 1980.6479 |
| /operating_model/cells/downside_fy2026_credit_cost:downside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/downside_fy2026_credit_cost:downside/case | None | downside |
| /operating_model/cells/downside_fy2026_credit_cost:downside/formula/op | None | sum |
| /operating_model/cells/downside_fy2026_credit_cost:downside/formula/refs/0 | None | h1_credit_cost |
| /operating_model/cells/downside_fy2026_credit_cost:downside/formula/refs/1 | None | downside_2026q3_credit_cost |
| /operating_model/cells/downside_fy2026_credit_cost:downside/formula/refs/2 | None | downside_2026q4_credit_cost |
| /operating_model/cells/downside_fy2026_credit_cost:downside/id | None | downside_fy2026_credit_cost |
| /operating_model/cells/downside_fy2026_credit_cost:downside/kind | None | derived |
| /operating_model/cells/downside_fy2026_credit_cost:downside/label | None | Fair-value expense ($M) |
| /operating_model/cells/downside_fy2026_credit_cost:downside/period | None | FY2026 |
| /operating_model/cells/downside_fy2026_credit_cost:downside/unit | None | USD_millions |
| /operating_model/cells/downside_fy2026_credit_cost:downside/value | None | 1580.8539999999998 |
| /operating_model/cells/downside_fy2026_interest:downside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/downside_fy2026_interest:downside/case | None | downside |
| /operating_model/cells/downside_fy2026_interest:downside/formula/op | None | sum |
| /operating_model/cells/downside_fy2026_interest:downside/formula/refs/0 | None | h1_interest |
| /operating_model/cells/downside_fy2026_interest:downside/formula/refs/1 | None | downside_2026q3_interest |
| /operating_model/cells/downside_fy2026_interest:downside/formula/refs/2 | None | downside_2026q4_interest |
| /operating_model/cells/downside_fy2026_interest:downside/id | None | downside_fy2026_interest |
| /operating_model/cells/downside_fy2026_interest:downside/kind | None | derived |
| /operating_model/cells/downside_fy2026_interest:downside/label | None | Net funding/corporate interest ($M) |
| /operating_model/cells/downside_fy2026_interest:downside/period | None | FY2026 |
| /operating_model/cells/downside_fy2026_interest:downside/unit | None | USD_millions |
| /operating_model/cells/downside_fy2026_interest:downside/value | None | 420.30150000000003 |
| /operating_model/cells/downside_fy2026_loan_investment:downside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/downside_fy2026_loan_investment:downside/case | None | downside |
| /operating_model/cells/downside_fy2026_loan_investment:downside/formula/op | None | sum |
| /operating_model/cells/downside_fy2026_loan_investment:downside/formula/refs/0 | None | h1_loan_investment |
| /operating_model/cells/downside_fy2026_loan_investment:downside/formula/refs/1 | None | downside_2026q3_loan_investment |
| /operating_model/cells/downside_fy2026_loan_investment:downside/formula/refs/2 | None | downside_2026q4_loan_investment |
| /operating_model/cells/downside_fy2026_loan_investment:downside/id | None | downside_fy2026_loan_investment |
| /operating_model/cells/downside_fy2026_loan_investment:downside/kind | None | derived |
| /operating_model/cells/downside_fy2026_loan_investment:downside/label | None | Cash loan originations less principal receipts ($M) |
| /operating_model/cells/downside_fy2026_loan_investment:downside/period | None | FY2026 |
| /operating_model/cells/downside_fy2026_loan_investment:downside/unit | None | USD_millions |
| /operating_model/cells/downside_fy2026_loan_investment:downside/value | None | 2807.973 |
| /operating_model/cells/downside_fy2026_net_revenue:downside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/downside_fy2026_net_revenue:downside/case | None | downside |
| /operating_model/cells/downside_fy2026_net_revenue:downside/formula/op | None | sum |
| /operating_model/cells/downside_fy2026_net_revenue:downside/formula/refs/0 | None | h1_net_revenue |
| /operating_model/cells/downside_fy2026_net_revenue:downside/formula/refs/1 | None | downside_2026q3_net_revenue |
| /operating_model/cells/downside_fy2026_net_revenue:downside/formula/refs/2 | None | downside_2026q4_net_revenue |
| /operating_model/cells/downside_fy2026_net_revenue:downside/id | None | downside_fy2026_net_revenue |
| /operating_model/cells/downside_fy2026_net_revenue:downside/kind | None | derived |
| /operating_model/cells/downside_fy2026_net_revenue:downside/label | None | Revenue after fair-value expense ($M) |
| /operating_model/cells/downside_fy2026_net_revenue:downside/period | None | FY2026 |
| /operating_model/cells/downside_fy2026_net_revenue:downside/unit | None | USD_millions |
| /operating_model/cells/downside_fy2026_net_revenue:downside/value | None | 2163.215 |
| /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 | GAAP operating income proxy ($M) |
| /operating_model/cells/downside_fy2026_operating_income:downside/period | None | FY2026 |
| /operating_model/cells/downside_fy2026_operating_income:downside/unit | None | USD_millions |
| /operating_model/cells/downside_fy2026_operating_income:downside/value | None | 782.643 |
| /operating_model/cells/downside_fy2026_pretax:downside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/downside_fy2026_pretax:downside/case | None | downside |
| /operating_model/cells/downside_fy2026_pretax:downside/formula/op | None | sum |
| /operating_model/cells/downside_fy2026_pretax:downside/formula/refs/0 | None | h1_pretax |
| /operating_model/cells/downside_fy2026_pretax:downside/formula/refs/1 | None | downside_2026q3_pretax |
| /operating_model/cells/downside_fy2026_pretax:downside/formula/refs/2 | None | downside_2026q4_pretax |
| /operating_model/cells/downside_fy2026_pretax:downside/id | None | downside_fy2026_pretax |
| /operating_model/cells/downside_fy2026_pretax:downside/kind | None | derived |
| /operating_model/cells/downside_fy2026_pretax:downside/label | None | Pretax earnings proxy ($M) |
| /operating_model/cells/downside_fy2026_pretax:downside/period | None | FY2026 |
| /operating_model/cells/downside_fy2026_pretax:downside/unit | None | USD_millions |
| /operating_model/cells/downside_fy2026_pretax:downside/value | None | 362.9245 |
| /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 | Total revenue ($M) |
| /operating_model/cells/downside_fy2026_revenue:downside/period | None | FY2026 |
| /operating_model/cells/downside_fy2026_revenue:downside/unit | None | USD_millions |
| /operating_model/cells/downside_fy2026_revenue:downside/value | None | 3744.069 |
| /operating_model/cells/downside_fy2027_buybacks:downside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/downside_fy2027_buybacks:downside/case | None | downside |
| /operating_model/cells/downside_fy2027_buybacks:downside/formula/op | None | sum |
| /operating_model/cells/downside_fy2027_buybacks:downside/formula/refs/0 | None | downside_2027q1_buybacks |
| /operating_model/cells/downside_fy2027_buybacks:downside/formula/refs/1 | None | downside_2027q2_buybacks |
| /operating_model/cells/downside_fy2027_buybacks:downside/formula/refs/2 | None | downside_2027q3_buybacks |
| /operating_model/cells/downside_fy2027_buybacks:downside/formula/refs/3 | None | downside_2027q4_buybacks |
| /operating_model/cells/downside_fy2027_buybacks:downside/id | None | downside_fy2027_buybacks |
| /operating_model/cells/downside_fy2027_buybacks:downside/kind | None | derived |
| /operating_model/cells/downside_fy2027_buybacks:downside/label | None | Share repurchase cash ($M) |
| /operating_model/cells/downside_fy2027_buybacks:downside/period | None | FY2027 |
| /operating_model/cells/downside_fy2027_buybacks:downside/unit | None | USD_millions |
| /operating_model/cells/downside_fy2027_buybacks:downside/value | None | 140.0 |
| /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 | Cash fixed assets and software ($M) |
| /operating_model/cells/downside_fy2027_capex:downside/period | None | FY2027 |
| /operating_model/cells/downside_fy2027_capex:downside/unit | None | USD_millions |
| /operating_model/cells/downside_fy2027_capex:downside/value | None | 66.0 |
| /operating_model/cells/downside_fy2027_cash_after_claims:downside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/downside_fy2027_cash_after_claims:downside/case | None | downside |
| /operating_model/cells/downside_fy2027_cash_after_claims:downside/formula/op | None | sum |
| /operating_model/cells/downside_fy2027_cash_after_claims:downside/formula/refs/0 | None | downside_2027q1_cash_after_claims |
| /operating_model/cells/downside_fy2027_cash_after_claims:downside/formula/refs/1 | None | downside_2027q2_cash_after_claims |
| /operating_model/cells/downside_fy2027_cash_after_claims:downside/formula/refs/2 | None | downside_2027q3_cash_after_claims |
| /operating_model/cells/downside_fy2027_cash_after_claims:downside/formula/refs/3 | None | downside_2027q4_cash_after_claims |
| /operating_model/cells/downside_fy2027_cash_after_claims:downside/id | None | downside_fy2027_cash_after_claims |
| /operating_model/cells/downside_fy2027_cash_after_claims:downside/kind | None | derived |
| /operating_model/cells/downside_fy2027_cash_after_claims:downside/label | None | Cash after lending and repurchases ($M) |
| /operating_model/cells/downside_fy2027_cash_after_claims:downside/period | None | FY2027 |
| /operating_model/cells/downside_fy2027_cash_after_claims:downside/unit | None | USD_millions |
| /operating_model/cells/downside_fy2027_cash_after_claims:downside/value | None | -991.3068 |
| /operating_model/cells/downside_fy2027_cash_after_lending: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_lending:downside/case | None | downside |
| /operating_model/cells/downside_fy2027_cash_after_lending:downside/formula/op | None | sum |
| /operating_model/cells/downside_fy2027_cash_after_lending:downside/formula/refs/0 | None | downside_2027q1_cash_after_lending |
| /operating_model/cells/downside_fy2027_cash_after_lending:downside/formula/refs/1 | None | downside_2027q2_cash_after_lending |
| /operating_model/cells/downside_fy2027_cash_after_lending:downside/formula/refs/2 | None | downside_2027q3_cash_after_lending |
| /operating_model/cells/downside_fy2027_cash_after_lending:downside/formula/refs/3 | None | downside_2027q4_cash_after_lending |
| /operating_model/cells/downside_fy2027_cash_after_lending:downside/id | None | downside_fy2027_cash_after_lending |
| /operating_model/cells/downside_fy2027_cash_after_lending:downside/kind | None | derived |
| /operating_model/cells/downside_fy2027_cash_after_lending:downside/label | None | Cash after capex and loan investment ($M) |
| /operating_model/cells/downside_fy2027_cash_after_lending:downside/period | None | FY2027 |
| /operating_model/cells/downside_fy2027_cash_after_lending:downside/unit | None | USD_millions |
| /operating_model/cells/downside_fy2027_cash_after_lending:downside/value | None | -851.3068 |
| /operating_model/cells/downside_fy2027_cfo:downside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/downside_fy2027_cfo:downside/case | None | downside |
| /operating_model/cells/downside_fy2027_cfo:downside/formula/op | None | sum |
| /operating_model/cells/downside_fy2027_cfo:downside/formula/refs/0 | None | downside_2027q1_cfo |
| /operating_model/cells/downside_fy2027_cfo:downside/formula/refs/1 | None | downside_2027q2_cfo |
| /operating_model/cells/downside_fy2027_cfo:downside/formula/refs/2 | None | downside_2027q3_cfo |
| /operating_model/cells/downside_fy2027_cfo:downside/formula/refs/3 | None | downside_2027q4_cfo |
| /operating_model/cells/downside_fy2027_cfo:downside/id | None | downside_fy2027_cfo |
| /operating_model/cells/downside_fy2027_cfo:downside/kind | None | derived |
| /operating_model/cells/downside_fy2027_cfo:downside/label | None | Operating cash before loan investment ($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 | 2014.6932000000002 |
| /operating_model/cells/downside_fy2027_credit_cost:downside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/downside_fy2027_credit_cost:downside/case | None | downside |
| /operating_model/cells/downside_fy2027_credit_cost:downside/formula/op | None | sum |
| /operating_model/cells/downside_fy2027_credit_cost:downside/formula/refs/0 | None | downside_2027q1_credit_cost |
| /operating_model/cells/downside_fy2027_credit_cost:downside/formula/refs/1 | None | downside_2027q2_credit_cost |
| /operating_model/cells/downside_fy2027_credit_cost:downside/formula/refs/2 | None | downside_2027q3_credit_cost |
| /operating_model/cells/downside_fy2027_credit_cost:downside/formula/refs/3 | None | downside_2027q4_credit_cost |
| /operating_model/cells/downside_fy2027_credit_cost:downside/id | None | downside_fy2027_credit_cost |
| /operating_model/cells/downside_fy2027_credit_cost:downside/kind | None | derived |
| /operating_model/cells/downside_fy2027_credit_cost:downside/label | None | Fair-value expense ($M) |
| /operating_model/cells/downside_fy2027_credit_cost:downside/period | None | FY2027 |
| /operating_model/cells/downside_fy2027_credit_cost:downside/unit | None | USD_millions |
| /operating_model/cells/downside_fy2027_credit_cost:downside/value | None | 1869.98 |
| /operating_model/cells/downside_fy2027_interest:downside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/downside_fy2027_interest:downside/case | None | downside |
| /operating_model/cells/downside_fy2027_interest:downside/formula/op | None | sum |
| /operating_model/cells/downside_fy2027_interest:downside/formula/refs/0 | None | downside_2027q1_interest |
| /operating_model/cells/downside_fy2027_interest:downside/formula/refs/1 | None | downside_2027q2_interest |
| /operating_model/cells/downside_fy2027_interest:downside/formula/refs/2 | None | downside_2027q3_interest |
| /operating_model/cells/downside_fy2027_interest:downside/formula/refs/3 | None | downside_2027q4_interest |
| /operating_model/cells/downside_fy2027_interest:downside/id | None | downside_fy2027_interest |
| /operating_model/cells/downside_fy2027_interest:downside/kind | None | derived |
| /operating_model/cells/downside_fy2027_interest:downside/label | None | Net funding/corporate interest ($M) |
| /operating_model/cells/downside_fy2027_interest:downside/period | None | FY2027 |
| /operating_model/cells/downside_fy2027_interest:downside/unit | None | USD_millions |
| /operating_model/cells/downside_fy2027_interest:downside/value | None | 493.00000000000006 |
| /operating_model/cells/downside_fy2027_loan_investment:downside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/downside_fy2027_loan_investment:downside/case | None | downside |
| /operating_model/cells/downside_fy2027_loan_investment:downside/formula/op | None | sum |
| /operating_model/cells/downside_fy2027_loan_investment:downside/formula/refs/0 | None | downside_2027q1_loan_investment |
| /operating_model/cells/downside_fy2027_loan_investment:downside/formula/refs/1 | None | downside_2027q2_loan_investment |
| /operating_model/cells/downside_fy2027_loan_investment:downside/formula/refs/2 | None | downside_2027q3_loan_investment |
| /operating_model/cells/downside_fy2027_loan_investment:downside/formula/refs/3 | None | downside_2027q4_loan_investment |
| /operating_model/cells/downside_fy2027_loan_investment:downside/id | None | downside_fy2027_loan_investment |
| /operating_model/cells/downside_fy2027_loan_investment:downside/kind | None | derived |
| /operating_model/cells/downside_fy2027_loan_investment:downside/label | None | Cash loan originations less principal receipts ($M) |
| /operating_model/cells/downside_fy2027_loan_investment:downside/period | None | FY2027 |
| /operating_model/cells/downside_fy2027_loan_investment:downside/unit | None | USD_millions |
| /operating_model/cells/downside_fy2027_loan_investment:downside/value | None | 2800.0 |
| /operating_model/cells/downside_fy2027_net_revenue:downside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/downside_fy2027_net_revenue:downside/case | None | downside |
| /operating_model/cells/downside_fy2027_net_revenue:downside/formula/op | None | sum |
| /operating_model/cells/downside_fy2027_net_revenue:downside/formula/refs/0 | None | downside_2027q1_net_revenue |
| /operating_model/cells/downside_fy2027_net_revenue:downside/formula/refs/1 | None | downside_2027q2_net_revenue |
| /operating_model/cells/downside_fy2027_net_revenue:downside/formula/refs/2 | None | downside_2027q3_net_revenue |
| /operating_model/cells/downside_fy2027_net_revenue:downside/formula/refs/3 | None | downside_2027q4_net_revenue |
| /operating_model/cells/downside_fy2027_net_revenue:downside/id | None | downside_fy2027_net_revenue |
| /operating_model/cells/downside_fy2027_net_revenue:downside/kind | None | derived |
| /operating_model/cells/downside_fy2027_net_revenue:downside/label | None | Revenue after fair-value expense ($M) |
| /operating_model/cells/downside_fy2027_net_revenue:downside/period | None | FY2027 |
| /operating_model/cells/downside_fy2027_net_revenue:downside/unit | None | USD_millions |
| /operating_model/cells/downside_fy2027_net_revenue:downside/value | None | 2300.02 |
| /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 | GAAP operating income proxy ($M) |
| /operating_model/cells/downside_fy2027_operating_income:downside/period | None | FY2027 |
| /operating_model/cells/downside_fy2027_operating_income:downside/unit | None | USD_millions |
| /operating_model/cells/downside_fy2027_operating_income:downside/value | None | 691.5699999999999 |
| /operating_model/cells/downside_fy2027_pretax:downside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/downside_fy2027_pretax:downside/case | None | downside |
| /operating_model/cells/downside_fy2027_pretax:downside/formula/op | None | sum |
| /operating_model/cells/downside_fy2027_pretax:downside/formula/refs/0 | None | downside_2027q1_pretax |
| /operating_model/cells/downside_fy2027_pretax:downside/formula/refs/1 | None | downside_2027q2_pretax |
| /operating_model/cells/downside_fy2027_pretax:downside/formula/refs/2 | None | downside_2027q3_pretax |
| /operating_model/cells/downside_fy2027_pretax:downside/formula/refs/3 | None | downside_2027q4_pretax |
| /operating_model/cells/downside_fy2027_pretax:downside/id | None | downside_fy2027_pretax |
| /operating_model/cells/downside_fy2027_pretax:downside/kind | None | derived |
| /operating_model/cells/downside_fy2027_pretax:downside/label | None | Pretax earnings proxy ($M) |
| /operating_model/cells/downside_fy2027_pretax:downside/period | None | FY2027 |
| /operating_model/cells/downside_fy2027_pretax:downside/unit | None | USD_millions |
| /operating_model/cells/downside_fy2027_pretax:downside/value | None | 198.56999999999994 |
| /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 | Total 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 | 4170.0 |
| /operating_model/cells/funding_debt:shared/basis | None | Reported consolidated amount, converted from thousands to millions. |
| /operating_model/cells/funding_debt:shared/case | None | shared |
| /operating_model/cells/funding_debt:shared/id | None | funding_debt |
| /operating_model/cells/funding_debt:shared/kind | None | reported |
| /operating_model/cells/funding_debt:shared/label | None | funding debt |
| /operating_model/cells/funding_debt:shared/period | None | June 2026 / comparison |
| /operating_model/cells/funding_debt:shared/source_date | None | 2026-07-23 |
| /operating_model/cells/funding_debt:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/1529864/000119312526314590/enva-20260630.htm |
| /operating_model/cells/funding_debt:shared/unit | None | USD_millions |
| /operating_model/cells/funding_debt:shared/value | None | 3556.042 |
| /operating_model/cells/fy25_revenue:shared/basis | None | Sum of four reviewed SEC-derived quarters; annual revenue baseline for management percentage guidance. |
| /operating_model/cells/fy25_revenue:shared/case | None | shared |
| /operating_model/cells/fy25_revenue:shared/id | None | fy25_revenue |
| /operating_model/cells/fy25_revenue:shared/kind | None | reported |
| /operating_model/cells/fy25_revenue:shared/label | None | FY2025 reported revenue |
| /operating_model/cells/fy25_revenue:shared/period | None | FY2025 |
| /operating_model/cells/fy25_revenue:shared/source_date | None | 2026-02-20 |
| /operating_model/cells/fy25_revenue:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/1529864/000119312526060461/enva-20251231.htm |
| /operating_model/cells/fy25_revenue:shared/unit | None | USD_millions |
| /operating_model/cells/fy25_revenue:shared/value | None | 3151.6530000000002 |
| /operating_model/cells/fy26_growth_high:shared/basis | None | September 14 reaffirmed outlook. |
| /operating_model/cells/fy26_growth_high:shared/case | None | shared |
| /operating_model/cells/fy26_growth_high:shared/id | None | fy26_growth_high |
| /operating_model/cells/fy26_growth_high:shared/kind | None | management_guidance |
| /operating_model/cells/fy26_growth_high:shared/label | None | FY2026 revenue growth high |
| /operating_model/cells/fy26_growth_high:shared/period | None | FY2026 |
| /operating_model/cells/fy26_growth_high:shared/source_date | None | 2026-09-14 |
| /operating_model/cells/fy26_growth_high:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/1529864/000119312526390599/enva-ex99_1.htm |
| /operating_model/cells/fy26_growth_high:shared/unit | None | ratio |
| /operating_model/cells/fy26_growth_high:shared/value | None | 1.25 |
| /operating_model/cells/fy26_growth_low:shared/basis | None | September 14 reaffirmed 20-25% year-over-year growth outlook. |
| /operating_model/cells/fy26_growth_low:shared/case | None | shared |
| /operating_model/cells/fy26_growth_low:shared/id | None | fy26_growth_low |
| /operating_model/cells/fy26_growth_low:shared/kind | None | management_guidance |
| /operating_model/cells/fy26_growth_low:shared/label | None | FY2026 revenue growth low |
| /operating_model/cells/fy26_growth_low:shared/period | None | FY2026 |
| /operating_model/cells/fy26_growth_low:shared/source_date | None | 2026-09-14 |
| /operating_model/cells/fy26_growth_low:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/1529864/000119312526390599/enva-ex99_1.htm |
| /operating_model/cells/fy26_growth_low:shared/unit | None | ratio |
| /operating_model/cells/fy26_growth_low:shared/value | None | 1.2 |
| /operating_model/cells/fy26_revenue_high:shared/basis | None | Reported annual baseline times management growth range. |
| /operating_model/cells/fy26_revenue_high:shared/case | None | shared |
| /operating_model/cells/fy26_revenue_high:shared/formula/op | None | multiply |
| /operating_model/cells/fy26_revenue_high:shared/formula/refs/0 | None | fy25_revenue |
| /operating_model/cells/fy26_revenue_high:shared/formula/refs/1 | None | fy26_growth_high |
| /operating_model/cells/fy26_revenue_high:shared/id | None | fy26_revenue_high |
| /operating_model/cells/fy26_revenue_high:shared/kind | None | derived |
| /operating_model/cells/fy26_revenue_high:shared/label | None | FY2026 revenue range high |
| /operating_model/cells/fy26_revenue_high:shared/period | None | FY2026 |
| /operating_model/cells/fy26_revenue_high:shared/unit | None | USD_millions |
| /operating_model/cells/fy26_revenue_high:shared/value | None | 3939.5662500000003 |
| /operating_model/cells/fy26_revenue_low:shared/basis | None | Reported annual baseline times management growth range. |
| /operating_model/cells/fy26_revenue_low:shared/case | None | shared |
| /operating_model/cells/fy26_revenue_low:shared/formula/op | None | multiply |
| /operating_model/cells/fy26_revenue_low:shared/formula/refs/0 | None | fy25_revenue |
| /operating_model/cells/fy26_revenue_low:shared/formula/refs/1 | None | fy26_growth_low |
| /operating_model/cells/fy26_revenue_low:shared/id | None | fy26_revenue_low |
| /operating_model/cells/fy26_revenue_low:shared/kind | None | derived |
| /operating_model/cells/fy26_revenue_low:shared/label | None | FY2026 revenue range low |
| /operating_model/cells/fy26_revenue_low:shared/period | None | FY2026 |
| /operating_model/cells/fy26_revenue_low:shared/unit | None | USD_millions |
| /operating_model/cells/fy26_revenue_low:shared/value | None | 3781.9836 |
| /operating_model/cells/h1_business_revenue:shared/basis | None | Reported consolidated amount, converted from thousands to millions. |
| /operating_model/cells/h1_business_revenue:shared/case | None | shared |
| /operating_model/cells/h1_business_revenue:shared/id | None | h1_business_revenue |
| /operating_model/cells/h1_business_revenue:shared/kind | None | reported |
| /operating_model/cells/h1_business_revenue:shared/label | None | H1 business revenue |
| /operating_model/cells/h1_business_revenue:shared/period | None | H1 2026 |
| /operating_model/cells/h1_business_revenue:shared/source_date | None | 2026-07-23 |
| /operating_model/cells/h1_business_revenue:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/1529864/000119312526314590/enva-20260630.htm |
| /operating_model/cells/h1_business_revenue:shared/unit | None | USD_millions |
| /operating_model/cells/h1_business_revenue:shared/value | None | 856.77 |
| /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 | H1 2026 |
| /operating_model/cells/h1_buybacks:shared/source_date | None | 2026-07-23 |
| /operating_model/cells/h1_buybacks:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/1529864/000119312526314590/enva-20260630.htm |
| /operating_model/cells/h1_buybacks:shared/unit | None | USD_millions |
| /operating_model/cells/h1_buybacks:shared/value | None | 59.37 |
| /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 | H1 capex |
| /operating_model/cells/h1_capex:shared/period | None | H1 2026 |
| /operating_model/cells/h1_capex:shared/source_date | None | 2026-07-23 |
| /operating_model/cells/h1_capex:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/1529864/000119312526314590/enva-20260630.htm |
| /operating_model/cells/h1_capex:shared/unit | None | USD_millions |
| /operating_model/cells/h1_capex:shared/value | None | 23.365 |
| /operating_model/cells/h1_cash_after_claims:shared/basis | None | Before new borrowing, debt repayment, financing fees and equity receipts. |
| /operating_model/cells/h1_cash_after_claims:shared/case | None | shared |
| /operating_model/cells/h1_cash_after_claims:shared/formula/op | None | subtract |
| /operating_model/cells/h1_cash_after_claims:shared/formula/refs/0 | None | h1_cash_after_lending |
| /operating_model/cells/h1_cash_after_claims:shared/formula/refs/1 | None | h1_buybacks |
| /operating_model/cells/h1_cash_after_claims:shared/id | None | h1_cash_after_claims |
| /operating_model/cells/h1_cash_after_claims:shared/kind | None | derived |
| /operating_model/cells/h1_cash_after_claims:shared/label | None | H1 cash after lending and repurchases |
| /operating_model/cells/h1_cash_after_claims:shared/period | None | H1 2026 |
| /operating_model/cells/h1_cash_after_claims:shared/unit | None | USD_millions |
| /operating_model/cells/h1_cash_after_claims:shared/value | None | -452.134 |
| /operating_model/cells/h1_cash_after_lending:shared/basis | None | Not CFO less only industrial capex. |
| /operating_model/cells/h1_cash_after_lending:shared/case | None | shared |
| /operating_model/cells/h1_cash_after_lending:shared/formula/op | None | subtract |
| /operating_model/cells/h1_cash_after_lending:shared/formula/refs/0 | None | h1_cfo |
| /operating_model/cells/h1_cash_after_lending:shared/formula/refs/1 | None | h1_investment |
| /operating_model/cells/h1_cash_after_lending:shared/id | None | h1_cash_after_lending |
| /operating_model/cells/h1_cash_after_lending:shared/kind | None | derived |
| /operating_model/cells/h1_cash_after_lending:shared/label | None | H1 cash after capex and loan investment |
| /operating_model/cells/h1_cash_after_lending:shared/period | None | H1 2026 |
| /operating_model/cells/h1_cash_after_lending:shared/unit | None | USD_millions |
| /operating_model/cells/h1_cash_after_lending:shared/value | None | -392.764 |
| /operating_model/cells/h1_cash_originations:shared/basis | None | Reported consolidated amount, converted from thousands to millions. |
| /operating_model/cells/h1_cash_originations:shared/case | None | shared |
| /operating_model/cells/h1_cash_originations:shared/id | None | h1_cash_originations |
| /operating_model/cells/h1_cash_originations:shared/kind | None | reported |
| /operating_model/cells/h1_cash_originations:shared/label | None | H1 cash originations |
| /operating_model/cells/h1_cash_originations:shared/period | None | H1 2026 |
| /operating_model/cells/h1_cash_originations:shared/source_date | None | 2026-07-23 |
| /operating_model/cells/h1_cash_originations:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/1529864/000119312526314590/enva-20260630.htm |
| /operating_model/cells/h1_cash_originations:shared/unit | None | USD_millions |
| /operating_model/cells/h1_cash_originations:shared/value | None | 4292.884 |
| /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 | H1 cfo |
| /operating_model/cells/h1_cfo:shared/period | None | H1 2026 |
| /operating_model/cells/h1_cfo:shared/source_date | None | 2026-07-23 |
| /operating_model/cells/h1_cfo:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/1529864/000119312526314590/enva-20260630.htm |
| /operating_model/cells/h1_cfo:shared/unit | None | USD_millions |
| /operating_model/cells/h1_cfo:shared/value | None | 1018.574 |
| /operating_model/cells/h1_consumer_revenue:shared/basis | None | Reported consolidated amount, converted from thousands to millions. |
| /operating_model/cells/h1_consumer_revenue:shared/case | None | shared |
| /operating_model/cells/h1_consumer_revenue:shared/id | None | h1_consumer_revenue |
| /operating_model/cells/h1_consumer_revenue:shared/kind | None | reported |
| /operating_model/cells/h1_consumer_revenue:shared/label | None | H1 consumer revenue |
| /operating_model/cells/h1_consumer_revenue:shared/period | None | H1 2026 |
| /operating_model/cells/h1_consumer_revenue:shared/source_date | None | 2026-07-23 |
| /operating_model/cells/h1_consumer_revenue:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/1529864/000119312526314590/enva-20260630.htm |
| /operating_model/cells/h1_consumer_revenue:shared/unit | None | USD_millions |
| /operating_model/cells/h1_consumer_revenue:shared/value | None | 923.226 |
| /operating_model/cells/h1_credit_cost:shared/basis | None | Reported consolidated amount, converted from thousands to millions. |
| /operating_model/cells/h1_credit_cost:shared/case | None | shared |
| /operating_model/cells/h1_credit_cost:shared/id | None | h1_credit_cost |
| /operating_model/cells/h1_credit_cost:shared/kind | None | reported |
| /operating_model/cells/h1_credit_cost:shared/label | None | H1 credit cost |
| /operating_model/cells/h1_credit_cost:shared/period | None | H1 2026 |
| /operating_model/cells/h1_credit_cost:shared/source_date | None | 2026-07-23 |
| /operating_model/cells/h1_credit_cost:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/1529864/000119312526314590/enva-20260630.htm |
| /operating_model/cells/h1_credit_cost:shared/unit | None | USD_millions |
| /operating_model/cells/h1_credit_cost:shared/value | None | 707.044 |
| /operating_model/cells/h1_da:shared/basis | None | Reported consolidated amount, converted from thousands to millions. |
| /operating_model/cells/h1_da:shared/case | None | shared |
| /operating_model/cells/h1_da:shared/id | None | h1_da |
| /operating_model/cells/h1_da:shared/kind | None | reported |
| /operating_model/cells/h1_da:shared/label | None | H1 da |
| /operating_model/cells/h1_da:shared/period | None | H1 2026 |
| /operating_model/cells/h1_da:shared/source_date | None | 2026-07-23 |
| /operating_model/cells/h1_da:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/1529864/000119312526314590/enva-20260630.htm |
| /operating_model/cells/h1_da:shared/unit | None | USD_millions |
| /operating_model/cells/h1_da:shared/value | None | 17.327 |
| /operating_model/cells/h1_interest:shared/basis | None | Reported consolidated amount, converted from thousands to millions. |
| /operating_model/cells/h1_interest:shared/case | None | shared |
| /operating_model/cells/h1_interest:shared/id | None | h1_interest |
| /operating_model/cells/h1_interest:shared/kind | None | reported |
| /operating_model/cells/h1_interest:shared/label | None | H1 interest |
| /operating_model/cells/h1_interest:shared/period | None | H1 2026 |
| /operating_model/cells/h1_interest:shared/source_date | None | 2026-07-23 |
| /operating_model/cells/h1_interest:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/1529864/000119312526314590/enva-20260630.htm |
| /operating_model/cells/h1_interest:shared/unit | None | USD_millions |
| /operating_model/cells/h1_interest:shared/value | None | 191.864 |
| /operating_model/cells/h1_investment:shared/basis | None | Investment cash uses beyond reported CFO. |
| /operating_model/cells/h1_investment:shared/case | None | shared |
| /operating_model/cells/h1_investment:shared/formula/op | None | sum |
| /operating_model/cells/h1_investment:shared/formula/refs/0 | None | h1_capex |
| /operating_model/cells/h1_investment:shared/formula/refs/1 | None | h1_loan_investment |
| /operating_model/cells/h1_investment:shared/id | None | h1_investment |
| /operating_model/cells/h1_investment:shared/kind | None | derived |
| /operating_model/cells/h1_investment:shared/label | None | Cash asset and loan investment |
| /operating_model/cells/h1_investment:shared/period | None | H1 2026 |
| /operating_model/cells/h1_investment:shared/unit | None | USD_millions |
| /operating_model/cells/h1_investment:shared/value | None | 1411.338 |
| /operating_model/cells/h1_loan_investment:shared/basis | None | Cash originations exclude noncash renewals; principal receipts exclude interest collections. |
| /operating_model/cells/h1_loan_investment:shared/case | None | shared |
| /operating_model/cells/h1_loan_investment:shared/formula/op | None | subtract |
| /operating_model/cells/h1_loan_investment:shared/formula/refs/0 | None | h1_cash_originations |
| /operating_model/cells/h1_loan_investment:shared/formula/refs/1 | None | h1_principal_receipts |
| /operating_model/cells/h1_loan_investment:shared/id | None | h1_loan_investment |
| /operating_model/cells/h1_loan_investment:shared/kind | None | derived |
| /operating_model/cells/h1_loan_investment:shared/label | None | H1 net cash loan investment |
| /operating_model/cells/h1_loan_investment:shared/period | None | H1 2026 |
| /operating_model/cells/h1_loan_investment:shared/unit | None | USD_millions |
| /operating_model/cells/h1_loan_investment:shared/value | None | 1387.973 |
| /operating_model/cells/h1_net_revenue:shared/basis | None | Reported consolidated amount, converted from thousands to millions. |
| /operating_model/cells/h1_net_revenue:shared/case | None | shared |
| /operating_model/cells/h1_net_revenue:shared/id | None | h1_net_revenue |
| /operating_model/cells/h1_net_revenue:shared/kind | None | reported |
| /operating_model/cells/h1_net_revenue:shared/label | None | H1 net revenue |
| /operating_model/cells/h1_net_revenue:shared/period | None | H1 2026 |
| /operating_model/cells/h1_net_revenue:shared/source_date | None | 2026-07-23 |
| /operating_model/cells/h1_net_revenue:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/1529864/000119312526314590/enva-20260630.htm |
| /operating_model/cells/h1_net_revenue:shared/unit | None | USD_millions |
| /operating_model/cells/h1_net_revenue:shared/value | None | 1097.025 |
| /operating_model/cells/h1_noncash_fv:shared/basis | None | Reported consolidated amount, converted from thousands to millions. |
| /operating_model/cells/h1_noncash_fv:shared/case | None | shared |
| /operating_model/cells/h1_noncash_fv:shared/id | None | h1_noncash_fv |
| /operating_model/cells/h1_noncash_fv:shared/kind | None | reported |
| /operating_model/cells/h1_noncash_fv:shared/label | None | H1 noncash fv |
| /operating_model/cells/h1_noncash_fv:shared/period | None | H1 2026 |
| /operating_model/cells/h1_noncash_fv:shared/source_date | None | 2026-07-23 |
| /operating_model/cells/h1_noncash_fv:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/1529864/000119312526314590/enva-20260630.htm |
| /operating_model/cells/h1_noncash_fv:shared/unit | None | USD_millions |
| /operating_model/cells/h1_noncash_fv:shared/value | None | 703.086 |
| /operating_model/cells/h1_noncash_renewals:shared/basis | None | Reported consolidated amount, converted from thousands to millions. |
| /operating_model/cells/h1_noncash_renewals:shared/case | None | shared |
| /operating_model/cells/h1_noncash_renewals:shared/id | None | h1_noncash_renewals |
| /operating_model/cells/h1_noncash_renewals:shared/kind | None | reported |
| /operating_model/cells/h1_noncash_renewals:shared/label | None | H1 noncash renewals |
| /operating_model/cells/h1_noncash_renewals:shared/period | None | H1 2026 |
| /operating_model/cells/h1_noncash_renewals:shared/source_date | None | 2026-07-23 |
| /operating_model/cells/h1_noncash_renewals:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/1529864/000119312526314590/enva-20260630.htm |
| /operating_model/cells/h1_noncash_renewals:shared/unit | None | USD_millions |
| /operating_model/cells/h1_noncash_renewals:shared/value | None | 262.926 |
| /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 | H1 operating income |
| /operating_model/cells/h1_operating_income:shared/period | None | H1 2026 |
| /operating_model/cells/h1_operating_income:shared/source_date | None | 2026-07-23 |
| /operating_model/cells/h1_operating_income:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/1529864/000119312526314590/enva-20260630.htm |
| /operating_model/cells/h1_operating_income:shared/unit | None | USD_millions |
| /operating_model/cells/h1_operating_income:shared/value | None | 444.253 |
| /operating_model/cells/h1_other_revenue:shared/basis | None | Reported consolidated amount, converted from thousands to millions. |
| /operating_model/cells/h1_other_revenue:shared/case | None | shared |
| /operating_model/cells/h1_other_revenue:shared/id | None | h1_other_revenue |
| /operating_model/cells/h1_other_revenue:shared/kind | None | reported |
| /operating_model/cells/h1_other_revenue:shared/label | None | H1 other revenue |
| /operating_model/cells/h1_other_revenue:shared/period | None | H1 2026 |
| /operating_model/cells/h1_other_revenue:shared/source_date | None | 2026-07-23 |
| /operating_model/cells/h1_other_revenue:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/1529864/000119312526314590/enva-20260630.htm |
| /operating_model/cells/h1_other_revenue:shared/unit | None | USD_millions |
| /operating_model/cells/h1_other_revenue:shared/value | None | 24.073 |
| /operating_model/cells/h1_pretax:shared/basis | None | Reported consolidated amount, converted from thousands to millions. |
| /operating_model/cells/h1_pretax:shared/case | None | shared |
| /operating_model/cells/h1_pretax:shared/id | None | h1_pretax |
| /operating_model/cells/h1_pretax:shared/kind | None | reported |
| /operating_model/cells/h1_pretax:shared/label | None | H1 pretax |
| /operating_model/cells/h1_pretax:shared/period | None | H1 2026 |
| /operating_model/cells/h1_pretax:shared/source_date | None | 2026-07-23 |
| /operating_model/cells/h1_pretax:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/1529864/000119312526314590/enva-20260630.htm |
| /operating_model/cells/h1_pretax:shared/unit | None | USD_millions |
| /operating_model/cells/h1_pretax:shared/value | None | 252.972 |
| /operating_model/cells/h1_principal_receipts:shared/basis | None | Reported consolidated amount, converted from thousands to millions. |
| /operating_model/cells/h1_principal_receipts:shared/case | None | shared |
| /operating_model/cells/h1_principal_receipts:shared/id | None | h1_principal_receipts |
| /operating_model/cells/h1_principal_receipts:shared/kind | None | reported |
| /operating_model/cells/h1_principal_receipts:shared/label | None | H1 principal receipts |
| /operating_model/cells/h1_principal_receipts:shared/period | None | H1 2026 |
| /operating_model/cells/h1_principal_receipts:shared/source_date | None | 2026-07-23 |
| /operating_model/cells/h1_principal_receipts:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/1529864/000119312526314590/enva-20260630.htm |
| /operating_model/cells/h1_principal_receipts:shared/unit | None | USD_millions |
| /operating_model/cells/h1_principal_receipts:shared/value | None | 2904.911 |
| /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 | H1 revenue |
| /operating_model/cells/h1_revenue:shared/period | None | H1 2026 |
| /operating_model/cells/h1_revenue:shared/source_date | None | 2026-07-23 |
| /operating_model/cells/h1_revenue:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/1529864/000119312526314590/enva-20260630.htm |
| /operating_model/cells/h1_revenue:shared/unit | None | USD_millions |
| /operating_model/cells/h1_revenue:shared/value | None | 1804.069 |
| /operating_model/cells/h1_rollforward_repayments:shared/basis | None | Reported consolidated amount, converted from thousands to millions. |
| /operating_model/cells/h1_rollforward_repayments:shared/case | None | shared |
| /operating_model/cells/h1_rollforward_repayments:shared/id | None | h1_rollforward_repayments |
| /operating_model/cells/h1_rollforward_repayments:shared/kind | None | reported |
| /operating_model/cells/h1_rollforward_repayments:shared/label | None | H1 rollforward repayments |
| /operating_model/cells/h1_rollforward_repayments:shared/period | None | H1 2026 |
| /operating_model/cells/h1_rollforward_repayments:shared/source_date | None | 2026-07-23 |
| /operating_model/cells/h1_rollforward_repayments:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/1529864/000119312526314590/enva-20260630.htm |
| /operating_model/cells/h1_rollforward_repayments:shared/unit | None | USD_millions |
| /operating_model/cells/h1_rollforward_repayments:shared/value | None | 4934.907 |
| /operating_model/cells/h1_sbc:shared/basis | None | Reported consolidated amount, converted from thousands to millions. |
| /operating_model/cells/h1_sbc:shared/case | None | shared |
| /operating_model/cells/h1_sbc:shared/id | None | h1_sbc |
| /operating_model/cells/h1_sbc:shared/kind | None | reported |
| /operating_model/cells/h1_sbc:shared/label | None | H1 sbc |
| /operating_model/cells/h1_sbc:shared/period | None | H1 2026 |
| /operating_model/cells/h1_sbc:shared/source_date | None | 2026-07-23 |
| /operating_model/cells/h1_sbc:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/1529864/000119312526314590/enva-20260630.htm |
| /operating_model/cells/h1_sbc:shared/unit | None | USD_millions |
| /operating_model/cells/h1_sbc:shared/value | None | 17.456 |
| /operating_model/cells/loan_fair_value:shared/basis | None | Reported consolidated amount, converted from thousands to millions. |
| /operating_model/cells/loan_fair_value:shared/case | None | shared |
| /operating_model/cells/loan_fair_value:shared/id | None | loan_fair_value |
| /operating_model/cells/loan_fair_value:shared/kind | None | reported |
| /operating_model/cells/loan_fair_value:shared/label | None | loan fair value |
| /operating_model/cells/loan_fair_value:shared/period | None | June 2026 / comparison |
| /operating_model/cells/loan_fair_value:shared/source_date | None | 2026-07-23 |
| /operating_model/cells/loan_fair_value:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/1529864/000119312526314590/enva-20260630.htm |
| /operating_model/cells/loan_fair_value:shared/unit | None | USD_millions |
| /operating_model/cells/loan_fair_value:shared/value | None | 6172.764 |
| /operating_model/cells/loan_principal:shared/basis | None | Reported consolidated amount, converted from thousands to millions. |
| /operating_model/cells/loan_principal:shared/case | None | shared |
| /operating_model/cells/loan_principal:shared/id | None | loan_principal |
| /operating_model/cells/loan_principal:shared/kind | None | reported |
| /operating_model/cells/loan_principal:shared/label | None | loan principal |
| /operating_model/cells/loan_principal:shared/period | None | June 2026 / comparison |
| /operating_model/cells/loan_principal:shared/source_date | None | 2026-07-23 |
| /operating_model/cells/loan_principal:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/1529864/000119312526314590/enva-20260630.htm |
| /operating_model/cells/loan_principal:shared/unit | None | USD_millions |
| /operating_model/cells/loan_principal:shared/value | None | 5351.091 |
| /operating_model/cells/q2_business:shared/basis | None | Reported consolidated amount, converted from thousands to millions. |
| /operating_model/cells/q2_business:shared/case | None | shared |
| /operating_model/cells/q2_business:shared/id | None | q2_business |
| /operating_model/cells/q2_business:shared/kind | None | reported |
| /operating_model/cells/q2_business:shared/label | None | q2 business |
| /operating_model/cells/q2_business:shared/period | None | June 2026 / comparison |
| /operating_model/cells/q2_business:shared/source_date | None | 2026-07-23 |
| /operating_model/cells/q2_business:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/1529864/000119312526314590/enva-20260630.htm |
| /operating_model/cells/q2_business:shared/unit | None | USD_millions |
| /operating_model/cells/q2_business:shared/value | None | 439.27 |
| /operating_model/cells/q2_consumer:shared/basis | None | Reported consolidated amount, converted from thousands to millions. |
| /operating_model/cells/q2_consumer:shared/case | None | shared |
| /operating_model/cells/q2_consumer:shared/id | None | q2_consumer |
| /operating_model/cells/q2_consumer:shared/kind | None | reported |
| /operating_model/cells/q2_consumer:shared/label | None | q2 consumer |
| /operating_model/cells/q2_consumer:shared/period | None | June 2026 / comparison |
| /operating_model/cells/q2_consumer:shared/source_date | None | 2026-07-23 |
| /operating_model/cells/q2_consumer:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/1529864/000119312526314590/enva-20260630.htm |
| /operating_model/cells/q2_consumer:shared/unit | None | USD_millions |
| /operating_model/cells/q2_consumer:shared/value | None | 477.419 |
| /operating_model/cells/q2_other:shared/basis | None | Reported consolidated amount, converted from thousands to millions. |
| /operating_model/cells/q2_other:shared/case | None | shared |
| /operating_model/cells/q2_other:shared/id | None | q2_other |
| /operating_model/cells/q2_other:shared/kind | None | reported |
| /operating_model/cells/q2_other:shared/label | None | q2 other |
| /operating_model/cells/q2_other:shared/period | None | June 2026 / comparison |
| /operating_model/cells/q2_other:shared/source_date | None | 2026-07-23 |
| /operating_model/cells/q2_other:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/1529864/000119312526314590/enva-20260630.htm |
| /operating_model/cells/q2_other:shared/unit | None | USD_millions |
| /operating_model/cells/q2_other:shared/value | None | 12.238 |
| /operating_model/cells/q3_2025_revenue:shared/basis | None | Reported consolidated amount, converted from thousands to millions. |
| /operating_model/cells/q3_2025_revenue:shared/case | None | shared |
| /operating_model/cells/q3_2025_revenue:shared/id | None | q3_2025_revenue |
| /operating_model/cells/q3_2025_revenue:shared/kind | None | reported |
| /operating_model/cells/q3_2025_revenue:shared/label | None | q3 2025 revenue |
| /operating_model/cells/q3_2025_revenue:shared/period | None | June 2026 / comparison |
| /operating_model/cells/q3_2025_revenue:shared/source_date | None | 2026-07-23 |
| /operating_model/cells/q3_2025_revenue:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/1529864/000119312526314590/enva-20260630.htm |
| /operating_model/cells/q3_2025_revenue:shared/unit | None | USD_millions |
| /operating_model/cells/q3_2025_revenue:shared/value | None | 802.678 |
| /operating_model/cells/restricted_cash:shared/basis | None | Reported consolidated amount, converted from thousands to millions. |
| /operating_model/cells/restricted_cash:shared/case | None | shared |
| /operating_model/cells/restricted_cash:shared/id | None | restricted_cash |
| /operating_model/cells/restricted_cash:shared/kind | None | reported |
| /operating_model/cells/restricted_cash:shared/label | None | restricted cash |
| /operating_model/cells/restricted_cash:shared/period | None | June 2026 / comparison |
| /operating_model/cells/restricted_cash:shared/source_date | None | 2026-07-23 |
| /operating_model/cells/restricted_cash:shared/source_url | None | https://www.sec.gov/Archives/edgar/data/1529864/000119312526314590/enva-20260630.htm |
| /operating_model/cells/restricted_cash:shared/unit | None | USD_millions |
| /operating_model/cells/restricted_cash:shared/value | None | 342.986 |
| /operating_model/cells/upside_2026q3_annual_interest_rate:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q3_annual_interest_rate:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_annual_interest_rate:upside/id | None | upside_2026q3_annual_interest_rate |
| /operating_model/cells/upside_2026q3_annual_interest_rate:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q3_annual_interest_rate:upside/label | None | Net annual debt cost including fees |
| /operating_model/cells/upside_2026q3_annual_interest_rate:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_annual_interest_rate:upside/unit | None | ratio |
| /operating_model/cells/upside_2026q3_annual_interest_rate:upside/value | None | 0.073 |
| /operating_model/cells/upside_2026q3_average_debt:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q3_average_debt:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_average_debt:upside/id | None | upside_2026q3_average_debt |
| /operating_model/cells/upside_2026q3_average_debt:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q3_average_debt:upside/label | None | Average funded debt |
| /operating_model/cells/upside_2026q3_average_debt:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_average_debt:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_average_debt:upside/value | None | 5400.0 |
| /operating_model/cells/upside_2026q3_business_activity:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q3_business_activity:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_business_activity:upside/id | None | upside_2026q3_business_activity |
| /operating_model/cells/upside_2026q3_business_activity:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q3_business_activity:upside/label | None | Business average earning activity / Q2 |
| /operating_model/cells/upside_2026q3_business_activity:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_business_activity:upside/unit | None | ratio |
| /operating_model/cells/upside_2026q3_business_activity:upside/value | None | 1.131422587474674 |
| /operating_model/cells/upside_2026q3_business_credit_cost:upside/basis | None | Credit and valuation sensitivity, not a cohort charge-off forecast. |
| /operating_model/cells/upside_2026q3_business_credit_cost:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_business_credit_cost:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2026q3_business_credit_cost:upside/formula/refs/0 | None | upside_2026q3_business_revenue |
| /operating_model/cells/upside_2026q3_business_credit_cost:upside/formula/refs/1 | None | upside_2026q3_business_credit_ratio |
| /operating_model/cells/upside_2026q3_business_credit_cost:upside/id | None | upside_2026q3_business_credit_cost |
| /operating_model/cells/upside_2026q3_business_credit_cost:upside/kind | None | derived |
| /operating_model/cells/upside_2026q3_business_credit_cost:upside/label | None | Business fair-value expense |
| /operating_model/cells/upside_2026q3_business_credit_cost:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_business_credit_cost:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_business_credit_cost:upside/value | None | 166.495 |
| /operating_model/cells/upside_2026q3_business_credit_ratio:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q3_business_credit_ratio:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_business_credit_ratio:upside/id | None | upside_2026q3_business_credit_ratio |
| /operating_model/cells/upside_2026q3_business_credit_ratio:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q3_business_credit_ratio:upside/label | None | Business fair-value expense / revenue |
| /operating_model/cells/upside_2026q3_business_credit_ratio:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_business_credit_ratio:upside/unit | None | ratio |
| /operating_model/cells/upside_2026q3_business_credit_ratio:upside/value | None | 0.335 |
| /operating_model/cells/upside_2026q3_business_revenue:upside/basis | None | Activity calibration and revenue yield can vary independently; includes interest and contractual fees. |
| /operating_model/cells/upside_2026q3_business_revenue:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_business_revenue:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2026q3_business_revenue:upside/formula/refs/0 | None | q2_business |
| /operating_model/cells/upside_2026q3_business_revenue:upside/formula/refs/1 | None | upside_2026q3_business_activity |
| /operating_model/cells/upside_2026q3_business_revenue:upside/formula/refs/2 | None | upside_2026q3_business_yield |
| /operating_model/cells/upside_2026q3_business_revenue:upside/id | None | upside_2026q3_business_revenue |
| /operating_model/cells/upside_2026q3_business_revenue:upside/kind | None | derived |
| /operating_model/cells/upside_2026q3_business_revenue:upside/label | None | Business lending revenue |
| /operating_model/cells/upside_2026q3_business_revenue:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_business_revenue:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_business_revenue:upside/value | None | 497.0 |
| /operating_model/cells/upside_2026q3_business_yield:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q3_business_yield:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_business_yield:upside/id | None | upside_2026q3_business_yield |
| /operating_model/cells/upside_2026q3_business_yield:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q3_business_yield:upside/label | None | Business revenue yield versus Q2 |
| /operating_model/cells/upside_2026q3_business_yield:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_business_yield:upside/unit | None | ratio |
| /operating_model/cells/upside_2026q3_business_yield:upside/value | None | 1.0 |
| /operating_model/cells/upside_2026q3_buybacks:upside/basis | None | Desk capital allocation; H2 $100M below June $218M covenant availability. Later authorization and covenant capacity remain conditions. |
| /operating_model/cells/upside_2026q3_buybacks:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_buybacks:upside/id | None | upside_2026q3_buybacks |
| /operating_model/cells/upside_2026q3_buybacks:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q3_buybacks:upside/label | None | Share repurchases |
| /operating_model/cells/upside_2026q3_buybacks:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_buybacks:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_buybacks:upside/value | None | 50.0 |
| /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 | Cash fixed assets and software |
| /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 | 13.0 |
| /operating_model/cells/upside_2026q3_cash_after_claims:upside/basis | None | Before debt amortization, refinancing, fees and reserve transfers; not equity distributable cash. |
| /operating_model/cells/upside_2026q3_cash_after_claims:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_cash_after_claims:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2026q3_cash_after_claims:upside/formula/refs/0 | None | upside_2026q3_cash_after_lending |
| /operating_model/cells/upside_2026q3_cash_after_claims:upside/formula/refs/1 | None | upside_2026q3_buybacks |
| /operating_model/cells/upside_2026q3_cash_after_claims:upside/id | None | upside_2026q3_cash_after_claims |
| /operating_model/cells/upside_2026q3_cash_after_claims:upside/kind | None | derived |
| /operating_model/cells/upside_2026q3_cash_after_claims:upside/label | None | Cash after lending and repurchases |
| /operating_model/cells/upside_2026q3_cash_after_claims:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_cash_after_claims:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_cash_after_claims:upside/value | None | -247.96320000000014 |
| /operating_model/cells/upside_2026q3_cash_after_lending:upside/basis | None | No new debt proceeds included. |
| /operating_model/cells/upside_2026q3_cash_after_lending:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_cash_after_lending:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2026q3_cash_after_lending:upside/formula/refs/0 | None | upside_2026q3_cfo |
| /operating_model/cells/upside_2026q3_cash_after_lending:upside/formula/refs/1 | None | upside_2026q3_cash_investment |
| /operating_model/cells/upside_2026q3_cash_after_lending:upside/id | None | upside_2026q3_cash_after_lending |
| /operating_model/cells/upside_2026q3_cash_after_lending:upside/kind | None | derived |
| /operating_model/cells/upside_2026q3_cash_after_lending:upside/label | None | Cash after capex and loan investment |
| /operating_model/cells/upside_2026q3_cash_after_lending:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_cash_after_lending:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_cash_after_lending:upside/value | None | -197.96320000000014 |
| /operating_model/cells/upside_2026q3_cash_investment:upside/basis | None | Loan growth can consume more than reported CFO. |
| /operating_model/cells/upside_2026q3_cash_investment:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_cash_investment:upside/formula/op | None | sum |
| /operating_model/cells/upside_2026q3_cash_investment:upside/formula/refs/0 | None | upside_2026q3_capex |
| /operating_model/cells/upside_2026q3_cash_investment:upside/formula/refs/1 | None | upside_2026q3_loan_investment |
| /operating_model/cells/upside_2026q3_cash_investment:upside/id | None | upside_2026q3_cash_investment |
| /operating_model/cells/upside_2026q3_cash_investment:upside/kind | None | derived |
| /operating_model/cells/upside_2026q3_cash_investment:upside/label | None | Cash capital and net loan investment |
| /operating_model/cells/upside_2026q3_cash_investment:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_cash_investment:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_cash_investment:upside/value | None | 733.0 |
| /operating_model/cells/upside_2026q3_cash_originations:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q3_cash_originations:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_cash_originations:upside/id | None | upside_2026q3_cash_originations |
| /operating_model/cells/upside_2026q3_cash_originations:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q3_cash_originations:upside/label | None | Cash loan originations |
| /operating_model/cells/upside_2026q3_cash_originations:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_cash_originations:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_cash_originations:upside/value | None | 2500.0 |
| /operating_model/cells/upside_2026q3_cash_tax:upside/basis | None | All configured pretax cases are positive; negative stress would require a cash-tax floor. |
| /operating_model/cells/upside_2026q3_cash_tax:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_cash_tax:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2026q3_cash_tax:upside/formula/refs/0 | None | upside_2026q3_pretax |
| /operating_model/cells/upside_2026q3_cash_tax:upside/formula/refs/1 | None | upside_2026q3_cash_tax_rate |
| /operating_model/cells/upside_2026q3_cash_tax:upside/id | None | upside_2026q3_cash_tax |
| /operating_model/cells/upside_2026q3_cash_tax:upside/kind | None | derived |
| /operating_model/cells/upside_2026q3_cash_tax:upside/label | None | Cash tax allowance |
| /operating_model/cells/upside_2026q3_cash_tax:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_cash_tax:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_cash_tax:upside/value | None | 46.8132 |
| /operating_model/cells/upside_2026q3_cash_tax_rate:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q3_cash_tax_rate:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_cash_tax_rate:upside/id | None | upside_2026q3_cash_tax_rate |
| /operating_model/cells/upside_2026q3_cash_tax_rate:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q3_cash_tax_rate:upside/label | None | Cash taxes / modeled pretax income |
| /operating_model/cells/upside_2026q3_cash_tax_rate:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_cash_tax_rate:upside/unit | None | ratio |
| /operating_model/cells/upside_2026q3_cash_tax_rate:upside/value | None | 0.24 |
| /operating_model/cells/upside_2026q3_cfo:upside/basis | None | Analytical CFO proxy; credit losses affect earnings and principal collections, not an extra cash expense. |
| /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_noncash_bridge |
| /operating_model/cells/upside_2026q3_cfo:upside/formula/refs/1 | None | upside_2026q3_operating_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 before loan investment |
| /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 | 535.0367999999999 |
| /operating_model/cells/upside_2026q3_consumer_activity:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q3_consumer_activity:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_consumer_activity:upside/id | None | upside_2026q3_consumer_activity |
| /operating_model/cells/upside_2026q3_consumer_activity:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q3_consumer_activity:upside/label | None | Consumer average earning activity / Q2 |
| /operating_model/cells/upside_2026q3_consumer_activity:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_consumer_activity:upside/unit | None | ratio |
| /operating_model/cells/upside_2026q3_consumer_activity:upside/value | None | 1.1101359602361867 |
| /operating_model/cells/upside_2026q3_consumer_credit_cost:upside/basis | None | Credit and valuation sensitivity, not a cohort charge-off forecast. |
| /operating_model/cells/upside_2026q3_consumer_credit_cost:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_consumer_credit_cost:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2026q3_consumer_credit_cost:upside/formula/refs/0 | None | upside_2026q3_consumer_revenue |
| /operating_model/cells/upside_2026q3_consumer_credit_cost:upside/formula/refs/1 | None | upside_2026q3_consumer_credit_ratio |
| /operating_model/cells/upside_2026q3_consumer_credit_cost:upside/id | None | upside_2026q3_consumer_credit_cost |
| /operating_model/cells/upside_2026q3_consumer_credit_cost:upside/kind | None | derived |
| /operating_model/cells/upside_2026q3_consumer_credit_cost:upside/label | None | Consumer fair-value expense |
| /operating_model/cells/upside_2026q3_consumer_credit_cost:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_consumer_credit_cost:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_consumer_credit_cost:upside/value | None | 217.29999999999998 |
| /operating_model/cells/upside_2026q3_consumer_credit_ratio:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q3_consumer_credit_ratio:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_consumer_credit_ratio:upside/id | None | upside_2026q3_consumer_credit_ratio |
| /operating_model/cells/upside_2026q3_consumer_credit_ratio:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q3_consumer_credit_ratio:upside/label | None | Consumer fair-value expense / revenue |
| /operating_model/cells/upside_2026q3_consumer_credit_ratio:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_consumer_credit_ratio:upside/unit | None | ratio |
| /operating_model/cells/upside_2026q3_consumer_credit_ratio:upside/value | None | 0.41 |
| /operating_model/cells/upside_2026q3_consumer_revenue:upside/basis | None | Activity calibration and revenue yield can vary independently; includes interest and contractual fees. |
| /operating_model/cells/upside_2026q3_consumer_revenue:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_consumer_revenue:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2026q3_consumer_revenue:upside/formula/refs/0 | None | q2_consumer |
| /operating_model/cells/upside_2026q3_consumer_revenue:upside/formula/refs/1 | None | upside_2026q3_consumer_activity |
| /operating_model/cells/upside_2026q3_consumer_revenue:upside/formula/refs/2 | None | upside_2026q3_consumer_yield |
| /operating_model/cells/upside_2026q3_consumer_revenue:upside/id | None | upside_2026q3_consumer_revenue |
| /operating_model/cells/upside_2026q3_consumer_revenue:upside/kind | None | derived |
| /operating_model/cells/upside_2026q3_consumer_revenue:upside/label | None | Consumer lending revenue |
| /operating_model/cells/upside_2026q3_consumer_revenue:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_consumer_revenue:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_consumer_revenue:upside/value | None | 530.0 |
| /operating_model/cells/upside_2026q3_consumer_yield:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q3_consumer_yield:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_consumer_yield:upside/id | None | upside_2026q3_consumer_yield |
| /operating_model/cells/upside_2026q3_consumer_yield:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q3_consumer_yield:upside/label | None | Consumer revenue yield versus Q2 |
| /operating_model/cells/upside_2026q3_consumer_yield:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_consumer_yield:upside/unit | None | ratio |
| /operating_model/cells/upside_2026q3_consumer_yield:upside/value | None | 1.0 |
| /operating_model/cells/upside_2026q3_credit_cost:upside/basis | None | No double counting of charge-offs below fair-value expense. |
| /operating_model/cells/upside_2026q3_credit_cost:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_credit_cost:upside/formula/op | None | sum |
| /operating_model/cells/upside_2026q3_credit_cost:upside/formula/refs/0 | None | upside_2026q3_consumer_credit_cost |
| /operating_model/cells/upside_2026q3_credit_cost:upside/formula/refs/1 | None | upside_2026q3_business_credit_cost |
| /operating_model/cells/upside_2026q3_credit_cost:upside/id | None | upside_2026q3_credit_cost |
| /operating_model/cells/upside_2026q3_credit_cost:upside/kind | None | derived |
| /operating_model/cells/upside_2026q3_credit_cost:upside/label | None | Total fair-value expense |
| /operating_model/cells/upside_2026q3_credit_cost:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_credit_cost:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_credit_cost:upside/value | None | 383.79499999999996 |
| /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 | Depreciation and amortization |
| /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 | 9.0 |
| /operating_model/cells/upside_2026q3_ga:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q3_ga:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_ga:upside/id | None | upside_2026q3_ga |
| /operating_model/cells/upside_2026q3_ga:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q3_ga:upside/label | None | General and administrative |
| /operating_model/cells/upside_2026q3_ga:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_ga:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_ga:upside/value | None | 47.0 |
| /operating_model/cells/upside_2026q3_interest:upside/basis | None | Blended cost for corporate and funding debt; commitments are not treated as draws. |
| /operating_model/cells/upside_2026q3_interest:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_interest:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2026q3_interest:upside/formula/refs/0 | None | upside_2026q3_average_debt |
| /operating_model/cells/upside_2026q3_interest:upside/formula/refs/1 | None | upside_2026q3_annual_interest_rate |
| /operating_model/cells/upside_2026q3_interest:upside/formula/refs/2 | None | upside_2026q3_quarter_fraction |
| /operating_model/cells/upside_2026q3_interest:upside/id | None | upside_2026q3_interest |
| /operating_model/cells/upside_2026q3_interest:upside/kind | None | derived |
| /operating_model/cells/upside_2026q3_interest:upside/label | None | Net funding and corporate interest |
| /operating_model/cells/upside_2026q3_interest:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_interest:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_interest:upside/value | None | 98.55 |
| /operating_model/cells/upside_2026q3_loan_investment:upside/basis | None | Excludes interest collections already in operating cash and noncash renewals. |
| /operating_model/cells/upside_2026q3_loan_investment:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_loan_investment:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2026q3_loan_investment:upside/formula/refs/0 | None | upside_2026q3_cash_originations |
| /operating_model/cells/upside_2026q3_loan_investment:upside/formula/refs/1 | None | upside_2026q3_principal_receipts |
| /operating_model/cells/upside_2026q3_loan_investment:upside/id | None | upside_2026q3_loan_investment |
| /operating_model/cells/upside_2026q3_loan_investment:upside/kind | None | derived |
| /operating_model/cells/upside_2026q3_loan_investment:upside/label | None | Net cash loan investment |
| /operating_model/cells/upside_2026q3_loan_investment:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_loan_investment:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_loan_investment:upside/value | None | 720.0 |
| /operating_model/cells/upside_2026q3_marketing:upside/basis | None | Acquisition expense retained in earnings. |
| /operating_model/cells/upside_2026q3_marketing:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_marketing:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2026q3_marketing:upside/formula/refs/0 | None | upside_2026q3_revenue |
| /operating_model/cells/upside_2026q3_marketing:upside/formula/refs/1 | None | upside_2026q3_marketing_ratio |
| /operating_model/cells/upside_2026q3_marketing:upside/id | None | upside_2026q3_marketing |
| /operating_model/cells/upside_2026q3_marketing:upside/kind | None | derived |
| /operating_model/cells/upside_2026q3_marketing:upside/label | None | Marketing expense |
| /operating_model/cells/upside_2026q3_marketing:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_marketing:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_marketing:upside/value | None | 223.6 |
| /operating_model/cells/upside_2026q3_marketing_ratio:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q3_marketing_ratio:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_marketing_ratio:upside/id | None | upside_2026q3_marketing_ratio |
| /operating_model/cells/upside_2026q3_marketing_ratio:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q3_marketing_ratio:upside/label | None | Marketing / revenue |
| /operating_model/cells/upside_2026q3_marketing_ratio:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_marketing_ratio:upside/unit | None | ratio |
| /operating_model/cells/upside_2026q3_marketing_ratio:upside/value | None | 0.215 |
| /operating_model/cells/upside_2026q3_net_revenue:upside/basis | None | Financial-company net revenue, not industrial gross profit. |
| /operating_model/cells/upside_2026q3_net_revenue:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_net_revenue:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2026q3_net_revenue:upside/formula/refs/0 | None | upside_2026q3_revenue |
| /operating_model/cells/upside_2026q3_net_revenue:upside/formula/refs/1 | None | upside_2026q3_credit_cost |
| /operating_model/cells/upside_2026q3_net_revenue:upside/id | None | upside_2026q3_net_revenue |
| /operating_model/cells/upside_2026q3_net_revenue:upside/kind | None | derived |
| /operating_model/cells/upside_2026q3_net_revenue:upside/label | None | Revenue after fair-value expense |
| /operating_model/cells/upside_2026q3_net_revenue:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_net_revenue:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_net_revenue:upside/value | None | 656.205 |
| /operating_model/cells/upside_2026q3_noncash_bridge:upside/basis | None | Fair-value expense assumed noncash here; loan receipts are modeled separately. |
| /operating_model/cells/upside_2026q3_noncash_bridge:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_noncash_bridge:upside/formula/op | None | sum |
| /operating_model/cells/upside_2026q3_noncash_bridge:upside/formula/refs/0 | None | upside_2026q3_pretax |
| /operating_model/cells/upside_2026q3_noncash_bridge:upside/formula/refs/1 | None | upside_2026q3_credit_cost |
| /operating_model/cells/upside_2026q3_noncash_bridge:upside/formula/refs/2 | None | upside_2026q3_da |
| /operating_model/cells/upside_2026q3_noncash_bridge:upside/formula/refs/3 | None | upside_2026q3_sbc |
| /operating_model/cells/upside_2026q3_noncash_bridge:upside/id | None | upside_2026q3_noncash_bridge |
| /operating_model/cells/upside_2026q3_noncash_bridge:upside/kind | None | derived |
| /operating_model/cells/upside_2026q3_noncash_bridge:upside/label | None | Pretax earnings plus noncash expenses |
| /operating_model/cells/upside_2026q3_noncash_bridge:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_noncash_bridge:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_noncash_bridge:upside/value | None | 596.8499999999999 |
| /operating_model/cells/upside_2026q3_operating_cash_uses:upside/basis | None | Covers fee amortization, tax timing and other operating balances, not cash loan originations. |
| /operating_model/cells/upside_2026q3_operating_cash_uses:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_operating_cash_uses:upside/formula/op | None | sum |
| /operating_model/cells/upside_2026q3_operating_cash_uses:upside/formula/refs/0 | None | upside_2026q3_cash_tax |
| /operating_model/cells/upside_2026q3_operating_cash_uses:upside/formula/refs/1 | None | upside_2026q3_working_capital_use |
| /operating_model/cells/upside_2026q3_operating_cash_uses:upside/id | None | upside_2026q3_operating_cash_uses |
| /operating_model/cells/upside_2026q3_operating_cash_uses:upside/kind | None | derived |
| /operating_model/cells/upside_2026q3_operating_cash_uses:upside/label | None | Cash tax and other operating timing |
| /operating_model/cells/upside_2026q3_operating_cash_uses:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_operating_cash_uses:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_operating_cash_uses:upside/value | None | 61.8132 |
| /operating_model/cells/upside_2026q3_operating_income:upside/basis | None | No Grasshopper synergies or one-time transaction recovery assumed. |
| /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_net_revenue |
| /operating_model/cells/upside_2026q3_operating_income:upside/formula/refs/1 | None | upside_2026q3_opex |
| /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 | GAAP 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 | 293.605 |
| /operating_model/cells/upside_2026q3_operations:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q3_operations:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_operations:upside/id | None | upside_2026q3_operations |
| /operating_model/cells/upside_2026q3_operations:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q3_operations:upside/label | None | Operations and technology |
| /operating_model/cells/upside_2026q3_operations:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_operations:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_operations:upside/value | None | 83.0 |
| /operating_model/cells/upside_2026q3_opex:upside/basis | None | SBC is already within departmental expense; add back only in cash bridge. |
| /operating_model/cells/upside_2026q3_opex:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_opex:upside/formula/op | None | sum |
| /operating_model/cells/upside_2026q3_opex:upside/formula/refs/0 | None | upside_2026q3_marketing |
| /operating_model/cells/upside_2026q3_opex:upside/formula/refs/1 | None | upside_2026q3_operations |
| /operating_model/cells/upside_2026q3_opex:upside/formula/refs/2 | None | upside_2026q3_ga |
| /operating_model/cells/upside_2026q3_opex:upside/formula/refs/3 | None | upside_2026q3_da |
| /operating_model/cells/upside_2026q3_opex:upside/id | None | upside_2026q3_opex |
| /operating_model/cells/upside_2026q3_opex:upside/kind | None | derived |
| /operating_model/cells/upside_2026q3_opex:upside/label | None | Operating expense |
| /operating_model/cells/upside_2026q3_opex:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_opex:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_opex:upside/value | None | 362.6 |
| /operating_model/cells/upside_2026q3_other_revenue:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q3_other_revenue:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_other_revenue:upside/id | None | upside_2026q3_other_revenue |
| /operating_model/cells/upside_2026q3_other_revenue:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q3_other_revenue:upside/label | None | Other revenue |
| /operating_model/cells/upside_2026q3_other_revenue:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_other_revenue:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_other_revenue:upside/value | None | 13.0 |
| /operating_model/cells/upside_2026q3_pretax:upside/basis | None | No speculative nonoperating gains. |
| /operating_model/cells/upside_2026q3_pretax:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_pretax:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2026q3_pretax:upside/formula/refs/0 | None | upside_2026q3_operating_income |
| /operating_model/cells/upside_2026q3_pretax:upside/formula/refs/1 | None | upside_2026q3_interest |
| /operating_model/cells/upside_2026q3_pretax:upside/id | None | upside_2026q3_pretax |
| /operating_model/cells/upside_2026q3_pretax:upside/kind | None | derived |
| /operating_model/cells/upside_2026q3_pretax:upside/label | None | Pretax earnings proxy |
| /operating_model/cells/upside_2026q3_pretax:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_pretax:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_pretax:upside/value | None | 195.055 |
| /operating_model/cells/upside_2026q3_principal_receipts:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q3_principal_receipts:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_principal_receipts:upside/id | None | upside_2026q3_principal_receipts |
| /operating_model/cells/upside_2026q3_principal_receipts:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q3_principal_receipts:upside/label | None | Cash principal collections |
| /operating_model/cells/upside_2026q3_principal_receipts:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_principal_receipts:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_principal_receipts:upside/value | None | 1780.0 |
| /operating_model/cells/upside_2026q3_quarter_fraction:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q3_quarter_fraction:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_quarter_fraction:upside/id | None | upside_2026q3_quarter_fraction |
| /operating_model/cells/upside_2026q3_quarter_fraction:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q3_quarter_fraction:upside/label | None | Quarter of annual rate |
| /operating_model/cells/upside_2026q3_quarter_fraction:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_quarter_fraction:upside/unit | None | ratio |
| /operating_model/cells/upside_2026q3_quarter_fraction:upside/value | None | 0.25 |
| /operating_model/cells/upside_2026q3_revenue:upside/basis | None | No bank acquisition contribution. |
| /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_consumer_revenue |
| /operating_model/cells/upside_2026q3_revenue:upside/formula/refs/1 | None | upside_2026q3_business_revenue |
| /operating_model/cells/upside_2026q3_revenue:upside/formula/refs/2 | None | upside_2026q3_other_revenue |
| /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 | Total 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 | 1040.0 |
| /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 | SBC expense |
| /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 | 9.0 |
| /operating_model/cells/upside_2026q3_working_capital_use:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q3_working_capital_use:upside/case | None | upside |
| /operating_model/cells/upside_2026q3_working_capital_use:upside/id | None | upside_2026q3_working_capital_use |
| /operating_model/cells/upside_2026q3_working_capital_use:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q3_working_capital_use:upside/label | None | Net other cash use |
| /operating_model/cells/upside_2026q3_working_capital_use:upside/period | None | 2026Q3 |
| /operating_model/cells/upside_2026q3_working_capital_use:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q3_working_capital_use:upside/value | None | 15.0 |
| /operating_model/cells/upside_2026q4_annual_interest_rate:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q4_annual_interest_rate:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_annual_interest_rate:upside/id | None | upside_2026q4_annual_interest_rate |
| /operating_model/cells/upside_2026q4_annual_interest_rate:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q4_annual_interest_rate:upside/label | None | Net annual debt cost including fees |
| /operating_model/cells/upside_2026q4_annual_interest_rate:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_annual_interest_rate:upside/unit | None | ratio |
| /operating_model/cells/upside_2026q4_annual_interest_rate:upside/value | None | 0.073 |
| /operating_model/cells/upside_2026q4_average_debt:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q4_average_debt:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_average_debt:upside/id | None | upside_2026q4_average_debt |
| /operating_model/cells/upside_2026q4_average_debt:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q4_average_debt:upside/label | None | Average funded debt |
| /operating_model/cells/upside_2026q4_average_debt:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_average_debt:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_average_debt:upside/value | None | 5725.0 |
| /operating_model/cells/upside_2026q4_business_activity:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q4_business_activity:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_business_activity:upside/id | None | upside_2026q4_business_activity |
| /operating_model/cells/upside_2026q4_business_activity:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q4_business_activity:upside/label | None | Business average earning activity / Q2 |
| /operating_model/cells/upside_2026q4_business_activity:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_business_activity:upside/unit | None | ratio |
| /operating_model/cells/upside_2026q4_business_activity:upside/value | None | 1.2088237302797824 |
| /operating_model/cells/upside_2026q4_business_credit_cost:upside/basis | None | Credit and valuation sensitivity, not a cohort charge-off forecast. |
| /operating_model/cells/upside_2026q4_business_credit_cost:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_business_credit_cost:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2026q4_business_credit_cost:upside/formula/refs/0 | None | upside_2026q4_business_revenue |
| /operating_model/cells/upside_2026q4_business_credit_cost:upside/formula/refs/1 | None | upside_2026q4_business_credit_ratio |
| /operating_model/cells/upside_2026q4_business_credit_cost:upside/id | None | upside_2026q4_business_credit_cost |
| /operating_model/cells/upside_2026q4_business_credit_cost:upside/kind | None | derived |
| /operating_model/cells/upside_2026q4_business_credit_cost:upside/label | None | Business fair-value expense |
| /operating_model/cells/upside_2026q4_business_credit_cost:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_business_credit_cost:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_business_credit_cost:upside/value | None | 177.88500000000002 |
| /operating_model/cells/upside_2026q4_business_credit_ratio:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q4_business_credit_ratio:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_business_credit_ratio:upside/id | None | upside_2026q4_business_credit_ratio |
| /operating_model/cells/upside_2026q4_business_credit_ratio:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q4_business_credit_ratio:upside/label | None | Business fair-value expense / revenue |
| /operating_model/cells/upside_2026q4_business_credit_ratio:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_business_credit_ratio:upside/unit | None | ratio |
| /operating_model/cells/upside_2026q4_business_credit_ratio:upside/value | None | 0.335 |
| /operating_model/cells/upside_2026q4_business_revenue:upside/basis | None | Activity calibration and revenue yield can vary independently; includes interest and contractual fees. |
| /operating_model/cells/upside_2026q4_business_revenue:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_business_revenue:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2026q4_business_revenue:upside/formula/refs/0 | None | q2_business |
| /operating_model/cells/upside_2026q4_business_revenue:upside/formula/refs/1 | None | upside_2026q4_business_activity |
| /operating_model/cells/upside_2026q4_business_revenue:upside/formula/refs/2 | None | upside_2026q4_business_yield |
| /operating_model/cells/upside_2026q4_business_revenue:upside/id | None | upside_2026q4_business_revenue |
| /operating_model/cells/upside_2026q4_business_revenue:upside/kind | None | derived |
| /operating_model/cells/upside_2026q4_business_revenue:upside/label | None | Business lending revenue |
| /operating_model/cells/upside_2026q4_business_revenue:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_business_revenue:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_business_revenue:upside/value | None | 531.0 |
| /operating_model/cells/upside_2026q4_business_yield:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q4_business_yield:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_business_yield:upside/id | None | upside_2026q4_business_yield |
| /operating_model/cells/upside_2026q4_business_yield:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q4_business_yield:upside/label | None | Business revenue yield versus Q2 |
| /operating_model/cells/upside_2026q4_business_yield:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_business_yield:upside/unit | None | ratio |
| /operating_model/cells/upside_2026q4_business_yield:upside/value | None | 1.0 |
| /operating_model/cells/upside_2026q4_buybacks:upside/basis | None | Desk capital allocation; H2 $100M below June $218M covenant availability. Later authorization and covenant capacity remain conditions. |
| /operating_model/cells/upside_2026q4_buybacks:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_buybacks:upside/id | None | upside_2026q4_buybacks |
| /operating_model/cells/upside_2026q4_buybacks:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q4_buybacks:upside/label | None | Share repurchases |
| /operating_model/cells/upside_2026q4_buybacks:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_buybacks:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_buybacks:upside/value | None | 50.0 |
| /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 | Cash fixed assets and software |
| /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 | 14.0 |
| /operating_model/cells/upside_2026q4_cash_after_claims:upside/basis | None | Before debt amortization, refinancing, fees and reserve transfers; not equity distributable cash. |
| /operating_model/cells/upside_2026q4_cash_after_claims:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_cash_after_claims:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2026q4_cash_after_claims:upside/formula/refs/0 | None | upside_2026q4_cash_after_lending |
| /operating_model/cells/upside_2026q4_cash_after_claims:upside/formula/refs/1 | None | upside_2026q4_buybacks |
| /operating_model/cells/upside_2026q4_cash_after_claims:upside/id | None | upside_2026q4_cash_after_claims |
| /operating_model/cells/upside_2026q4_cash_after_claims:upside/kind | None | derived |
| /operating_model/cells/upside_2026q4_cash_after_claims:upside/label | None | Cash after lending and repurchases |
| /operating_model/cells/upside_2026q4_cash_after_claims:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_cash_after_claims:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_cash_after_claims:upside/value | None | -272.37935000000004 |
| /operating_model/cells/upside_2026q4_cash_after_lending:upside/basis | None | No new debt proceeds included. |
| /operating_model/cells/upside_2026q4_cash_after_lending:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_cash_after_lending:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2026q4_cash_after_lending:upside/formula/refs/0 | None | upside_2026q4_cfo |
| /operating_model/cells/upside_2026q4_cash_after_lending:upside/formula/refs/1 | None | upside_2026q4_cash_investment |
| /operating_model/cells/upside_2026q4_cash_after_lending:upside/id | None | upside_2026q4_cash_after_lending |
| /operating_model/cells/upside_2026q4_cash_after_lending:upside/kind | None | derived |
| /operating_model/cells/upside_2026q4_cash_after_lending:upside/label | None | Cash after capex and loan investment |
| /operating_model/cells/upside_2026q4_cash_after_lending:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_cash_after_lending:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_cash_after_lending:upside/value | None | -222.37935000000004 |
| /operating_model/cells/upside_2026q4_cash_investment:upside/basis | None | Loan growth can consume more than reported CFO. |
| /operating_model/cells/upside_2026q4_cash_investment:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_cash_investment:upside/formula/op | None | sum |
| /operating_model/cells/upside_2026q4_cash_investment:upside/formula/refs/0 | None | upside_2026q4_capex |
| /operating_model/cells/upside_2026q4_cash_investment:upside/formula/refs/1 | None | upside_2026q4_loan_investment |
| /operating_model/cells/upside_2026q4_cash_investment:upside/id | None | upside_2026q4_cash_investment |
| /operating_model/cells/upside_2026q4_cash_investment:upside/kind | None | derived |
| /operating_model/cells/upside_2026q4_cash_investment:upside/label | None | Cash capital and net loan investment |
| /operating_model/cells/upside_2026q4_cash_investment:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_cash_investment:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_cash_investment:upside/value | None | 794.0 |
| /operating_model/cells/upside_2026q4_cash_originations:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q4_cash_originations:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_cash_originations:upside/id | None | upside_2026q4_cash_originations |
| /operating_model/cells/upside_2026q4_cash_originations:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q4_cash_originations:upside/label | None | Cash loan originations |
| /operating_model/cells/upside_2026q4_cash_originations:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_cash_originations:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_cash_originations:upside/value | None | 2770.0 |
| /operating_model/cells/upside_2026q4_cash_tax:upside/basis | None | All configured pretax cases are positive; negative stress would require a cash-tax floor. |
| /operating_model/cells/upside_2026q4_cash_tax:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_cash_tax:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2026q4_cash_tax:upside/formula/refs/0 | None | upside_2026q4_pretax |
| /operating_model/cells/upside_2026q4_cash_tax:upside/formula/refs/1 | None | upside_2026q4_cash_tax_rate |
| /operating_model/cells/upside_2026q4_cash_tax:upside/id | None | upside_2026q4_cash_tax |
| /operating_model/cells/upside_2026q4_cash_tax:upside/kind | None | derived |
| /operating_model/cells/upside_2026q4_cash_tax:upside/label | None | Cash tax allowance |
| /operating_model/cells/upside_2026q4_cash_tax:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_cash_tax:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_cash_tax:upside/value | None | 50.648100000000014 |
| /operating_model/cells/upside_2026q4_cash_tax_rate:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q4_cash_tax_rate:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_cash_tax_rate:upside/id | None | upside_2026q4_cash_tax_rate |
| /operating_model/cells/upside_2026q4_cash_tax_rate:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q4_cash_tax_rate:upside/label | None | Cash taxes / modeled pretax income |
| /operating_model/cells/upside_2026q4_cash_tax_rate:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_cash_tax_rate:upside/unit | None | ratio |
| /operating_model/cells/upside_2026q4_cash_tax_rate:upside/value | None | 0.24 |
| /operating_model/cells/upside_2026q4_cfo:upside/basis | None | Analytical CFO proxy; credit losses affect earnings and principal collections, not an extra cash expense. |
| /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_noncash_bridge |
| /operating_model/cells/upside_2026q4_cfo:upside/formula/refs/1 | None | upside_2026q4_operating_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 before loan investment |
| /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 | 571.62065 |
| /operating_model/cells/upside_2026q4_consumer_activity:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q4_consumer_activity:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_consumer_activity:upside/id | None | upside_2026q4_consumer_activity |
| /operating_model/cells/upside_2026q4_consumer_activity:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q4_consumer_activity:upside/label | None | Consumer average earning activity / Q2 |
| /operating_model/cells/upside_2026q4_consumer_activity:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_consumer_activity:upside/unit | None | ratio |
| /operating_model/cells/upside_2026q4_consumer_activity:upside/value | None | 1.1834468255348027 |
| /operating_model/cells/upside_2026q4_consumer_credit_cost:upside/basis | None | Credit and valuation sensitivity, not a cohort charge-off forecast. |
| /operating_model/cells/upside_2026q4_consumer_credit_cost:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_consumer_credit_cost:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2026q4_consumer_credit_cost:upside/formula/refs/0 | None | upside_2026q4_consumer_revenue |
| /operating_model/cells/upside_2026q4_consumer_credit_cost:upside/formula/refs/1 | None | upside_2026q4_consumer_credit_ratio |
| /operating_model/cells/upside_2026q4_consumer_credit_cost:upside/id | None | upside_2026q4_consumer_credit_cost |
| /operating_model/cells/upside_2026q4_consumer_credit_cost:upside/kind | None | derived |
| /operating_model/cells/upside_2026q4_consumer_credit_cost:upside/label | None | Consumer fair-value expense |
| /operating_model/cells/upside_2026q4_consumer_credit_cost:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_consumer_credit_cost:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_consumer_credit_cost:upside/value | None | 231.64999999999998 |
| /operating_model/cells/upside_2026q4_consumer_credit_ratio:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q4_consumer_credit_ratio:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_consumer_credit_ratio:upside/id | None | upside_2026q4_consumer_credit_ratio |
| /operating_model/cells/upside_2026q4_consumer_credit_ratio:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q4_consumer_credit_ratio:upside/label | None | Consumer fair-value expense / revenue |
| /operating_model/cells/upside_2026q4_consumer_credit_ratio:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_consumer_credit_ratio:upside/unit | None | ratio |
| /operating_model/cells/upside_2026q4_consumer_credit_ratio:upside/value | None | 0.41 |
| /operating_model/cells/upside_2026q4_consumer_revenue:upside/basis | None | Activity calibration and revenue yield can vary independently; includes interest and contractual fees. |
| /operating_model/cells/upside_2026q4_consumer_revenue:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_consumer_revenue:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2026q4_consumer_revenue:upside/formula/refs/0 | None | q2_consumer |
| /operating_model/cells/upside_2026q4_consumer_revenue:upside/formula/refs/1 | None | upside_2026q4_consumer_activity |
| /operating_model/cells/upside_2026q4_consumer_revenue:upside/formula/refs/2 | None | upside_2026q4_consumer_yield |
| /operating_model/cells/upside_2026q4_consumer_revenue:upside/id | None | upside_2026q4_consumer_revenue |
| /operating_model/cells/upside_2026q4_consumer_revenue:upside/kind | None | derived |
| /operating_model/cells/upside_2026q4_consumer_revenue:upside/label | None | Consumer lending revenue |
| /operating_model/cells/upside_2026q4_consumer_revenue:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_consumer_revenue:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_consumer_revenue:upside/value | None | 565.0 |
| /operating_model/cells/upside_2026q4_consumer_yield:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q4_consumer_yield:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_consumer_yield:upside/id | None | upside_2026q4_consumer_yield |
| /operating_model/cells/upside_2026q4_consumer_yield:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q4_consumer_yield:upside/label | None | Consumer revenue yield versus Q2 |
| /operating_model/cells/upside_2026q4_consumer_yield:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_consumer_yield:upside/unit | None | ratio |
| /operating_model/cells/upside_2026q4_consumer_yield:upside/value | None | 1.0 |
| /operating_model/cells/upside_2026q4_credit_cost:upside/basis | None | No double counting of charge-offs below fair-value expense. |
| /operating_model/cells/upside_2026q4_credit_cost:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_credit_cost:upside/formula/op | None | sum |
| /operating_model/cells/upside_2026q4_credit_cost:upside/formula/refs/0 | None | upside_2026q4_consumer_credit_cost |
| /operating_model/cells/upside_2026q4_credit_cost:upside/formula/refs/1 | None | upside_2026q4_business_credit_cost |
| /operating_model/cells/upside_2026q4_credit_cost:upside/id | None | upside_2026q4_credit_cost |
| /operating_model/cells/upside_2026q4_credit_cost:upside/kind | None | derived |
| /operating_model/cells/upside_2026q4_credit_cost:upside/label | None | Total fair-value expense |
| /operating_model/cells/upside_2026q4_credit_cost:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_credit_cost:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_credit_cost:upside/value | None | 409.53499999999997 |
| /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 | Depreciation and amortization |
| /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 | 9.3 |
| /operating_model/cells/upside_2026q4_ga:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q4_ga:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_ga:upside/id | None | upside_2026q4_ga |
| /operating_model/cells/upside_2026q4_ga:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q4_ga:upside/label | None | General and administrative |
| /operating_model/cells/upside_2026q4_ga:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_ga:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_ga:upside/value | None | 49.0 |
| /operating_model/cells/upside_2026q4_interest:upside/basis | None | Blended cost for corporate and funding debt; commitments are not treated as draws. |
| /operating_model/cells/upside_2026q4_interest:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_interest:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2026q4_interest:upside/formula/refs/0 | None | upside_2026q4_average_debt |
| /operating_model/cells/upside_2026q4_interest:upside/formula/refs/1 | None | upside_2026q4_annual_interest_rate |
| /operating_model/cells/upside_2026q4_interest:upside/formula/refs/2 | None | upside_2026q4_quarter_fraction |
| /operating_model/cells/upside_2026q4_interest:upside/id | None | upside_2026q4_interest |
| /operating_model/cells/upside_2026q4_interest:upside/kind | None | derived |
| /operating_model/cells/upside_2026q4_interest:upside/label | None | Net funding and corporate interest |
| /operating_model/cells/upside_2026q4_interest:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_interest:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_interest:upside/value | None | 104.48124999999999 |
| /operating_model/cells/upside_2026q4_loan_investment:upside/basis | None | Excludes interest collections already in operating cash and noncash renewals. |
| /operating_model/cells/upside_2026q4_loan_investment:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_loan_investment:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2026q4_loan_investment:upside/formula/refs/0 | None | upside_2026q4_cash_originations |
| /operating_model/cells/upside_2026q4_loan_investment:upside/formula/refs/1 | None | upside_2026q4_principal_receipts |
| /operating_model/cells/upside_2026q4_loan_investment:upside/id | None | upside_2026q4_loan_investment |
| /operating_model/cells/upside_2026q4_loan_investment:upside/kind | None | derived |
| /operating_model/cells/upside_2026q4_loan_investment:upside/label | None | Net cash loan investment |
| /operating_model/cells/upside_2026q4_loan_investment:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_loan_investment:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_loan_investment:upside/value | None | 780.0 |
| /operating_model/cells/upside_2026q4_marketing:upside/basis | None | Acquisition expense retained in earnings. |
| /operating_model/cells/upside_2026q4_marketing:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_marketing:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2026q4_marketing:upside/formula/refs/0 | None | upside_2026q4_revenue |
| /operating_model/cells/upside_2026q4_marketing:upside/formula/refs/1 | None | upside_2026q4_marketing_ratio |
| /operating_model/cells/upside_2026q4_marketing:upside/id | None | upside_2026q4_marketing |
| /operating_model/cells/upside_2026q4_marketing:upside/kind | None | derived |
| /operating_model/cells/upside_2026q4_marketing:upside/label | None | Marketing expense |
| /operating_model/cells/upside_2026q4_marketing:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_marketing:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_marketing:upside/value | None | 238.65 |
| /operating_model/cells/upside_2026q4_marketing_ratio:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q4_marketing_ratio:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_marketing_ratio:upside/id | None | upside_2026q4_marketing_ratio |
| /operating_model/cells/upside_2026q4_marketing_ratio:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q4_marketing_ratio:upside/label | None | Marketing / revenue |
| /operating_model/cells/upside_2026q4_marketing_ratio:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_marketing_ratio:upside/unit | None | ratio |
| /operating_model/cells/upside_2026q4_marketing_ratio:upside/value | None | 0.215 |
| /operating_model/cells/upside_2026q4_net_revenue:upside/basis | None | Financial-company net revenue, not industrial gross profit. |
| /operating_model/cells/upside_2026q4_net_revenue:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_net_revenue:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2026q4_net_revenue:upside/formula/refs/0 | None | upside_2026q4_revenue |
| /operating_model/cells/upside_2026q4_net_revenue:upside/formula/refs/1 | None | upside_2026q4_credit_cost |
| /operating_model/cells/upside_2026q4_net_revenue:upside/id | None | upside_2026q4_net_revenue |
| /operating_model/cells/upside_2026q4_net_revenue:upside/kind | None | derived |
| /operating_model/cells/upside_2026q4_net_revenue:upside/label | None | Revenue after fair-value expense |
| /operating_model/cells/upside_2026q4_net_revenue:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_net_revenue:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_net_revenue:upside/value | None | 700.465 |
| /operating_model/cells/upside_2026q4_noncash_bridge:upside/basis | None | Fair-value expense assumed noncash here; loan receipts are modeled separately. |
| /operating_model/cells/upside_2026q4_noncash_bridge:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_noncash_bridge:upside/formula/op | None | sum |
| /operating_model/cells/upside_2026q4_noncash_bridge:upside/formula/refs/0 | None | upside_2026q4_pretax |
| /operating_model/cells/upside_2026q4_noncash_bridge:upside/formula/refs/1 | None | upside_2026q4_credit_cost |
| /operating_model/cells/upside_2026q4_noncash_bridge:upside/formula/refs/2 | None | upside_2026q4_da |
| /operating_model/cells/upside_2026q4_noncash_bridge:upside/formula/refs/3 | None | upside_2026q4_sbc |
| /operating_model/cells/upside_2026q4_noncash_bridge:upside/id | None | upside_2026q4_noncash_bridge |
| /operating_model/cells/upside_2026q4_noncash_bridge:upside/kind | None | derived |
| /operating_model/cells/upside_2026q4_noncash_bridge:upside/label | None | Pretax earnings plus noncash expenses |
| /operating_model/cells/upside_2026q4_noncash_bridge:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_noncash_bridge:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_noncash_bridge:upside/value | None | 639.26875 |
| /operating_model/cells/upside_2026q4_operating_cash_uses:upside/basis | None | Covers fee amortization, tax timing and other operating balances, not cash loan originations. |
| /operating_model/cells/upside_2026q4_operating_cash_uses:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_operating_cash_uses:upside/formula/op | None | sum |
| /operating_model/cells/upside_2026q4_operating_cash_uses:upside/formula/refs/0 | None | upside_2026q4_cash_tax |
| /operating_model/cells/upside_2026q4_operating_cash_uses:upside/formula/refs/1 | None | upside_2026q4_working_capital_use |
| /operating_model/cells/upside_2026q4_operating_cash_uses:upside/id | None | upside_2026q4_operating_cash_uses |
| /operating_model/cells/upside_2026q4_operating_cash_uses:upside/kind | None | derived |
| /operating_model/cells/upside_2026q4_operating_cash_uses:upside/label | None | Cash tax and other operating timing |
| /operating_model/cells/upside_2026q4_operating_cash_uses:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_operating_cash_uses:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_operating_cash_uses:upside/value | None | 67.64810000000001 |
| /operating_model/cells/upside_2026q4_operating_income:upside/basis | None | No Grasshopper synergies or one-time transaction recovery assumed. |
| /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_net_revenue |
| /operating_model/cells/upside_2026q4_operating_income:upside/formula/refs/1 | None | upside_2026q4_opex |
| /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 | GAAP 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 | 315.51500000000004 |
| /operating_model/cells/upside_2026q4_operations:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q4_operations:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_operations:upside/id | None | upside_2026q4_operations |
| /operating_model/cells/upside_2026q4_operations:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q4_operations:upside/label | None | Operations and technology |
| /operating_model/cells/upside_2026q4_operations:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_operations:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_operations:upside/value | None | 88.0 |
| /operating_model/cells/upside_2026q4_opex:upside/basis | None | SBC is already within departmental expense; add back only in cash bridge. |
| /operating_model/cells/upside_2026q4_opex:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_opex:upside/formula/op | None | sum |
| /operating_model/cells/upside_2026q4_opex:upside/formula/refs/0 | None | upside_2026q4_marketing |
| /operating_model/cells/upside_2026q4_opex:upside/formula/refs/1 | None | upside_2026q4_operations |
| /operating_model/cells/upside_2026q4_opex:upside/formula/refs/2 | None | upside_2026q4_ga |
| /operating_model/cells/upside_2026q4_opex:upside/formula/refs/3 | None | upside_2026q4_da |
| /operating_model/cells/upside_2026q4_opex:upside/id | None | upside_2026q4_opex |
| /operating_model/cells/upside_2026q4_opex:upside/kind | None | derived |
| /operating_model/cells/upside_2026q4_opex:upside/label | None | Operating expense |
| /operating_model/cells/upside_2026q4_opex:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_opex:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_opex:upside/value | None | 384.95 |
| /operating_model/cells/upside_2026q4_other_revenue:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q4_other_revenue:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_other_revenue:upside/id | None | upside_2026q4_other_revenue |
| /operating_model/cells/upside_2026q4_other_revenue:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q4_other_revenue:upside/label | None | Other revenue |
| /operating_model/cells/upside_2026q4_other_revenue:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_other_revenue:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_other_revenue:upside/value | None | 14.0 |
| /operating_model/cells/upside_2026q4_pretax:upside/basis | None | No speculative nonoperating gains. |
| /operating_model/cells/upside_2026q4_pretax:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_pretax:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2026q4_pretax:upside/formula/refs/0 | None | upside_2026q4_operating_income |
| /operating_model/cells/upside_2026q4_pretax:upside/formula/refs/1 | None | upside_2026q4_interest |
| /operating_model/cells/upside_2026q4_pretax:upside/id | None | upside_2026q4_pretax |
| /operating_model/cells/upside_2026q4_pretax:upside/kind | None | derived |
| /operating_model/cells/upside_2026q4_pretax:upside/label | None | Pretax earnings proxy |
| /operating_model/cells/upside_2026q4_pretax:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_pretax:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_pretax:upside/value | None | 211.03375000000005 |
| /operating_model/cells/upside_2026q4_principal_receipts:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q4_principal_receipts:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_principal_receipts:upside/id | None | upside_2026q4_principal_receipts |
| /operating_model/cells/upside_2026q4_principal_receipts:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q4_principal_receipts:upside/label | None | Cash principal collections |
| /operating_model/cells/upside_2026q4_principal_receipts:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_principal_receipts:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_principal_receipts:upside/value | None | 1990.0 |
| /operating_model/cells/upside_2026q4_quarter_fraction:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q4_quarter_fraction:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_quarter_fraction:upside/id | None | upside_2026q4_quarter_fraction |
| /operating_model/cells/upside_2026q4_quarter_fraction:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q4_quarter_fraction:upside/label | None | Quarter of annual rate |
| /operating_model/cells/upside_2026q4_quarter_fraction:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_quarter_fraction:upside/unit | None | ratio |
| /operating_model/cells/upside_2026q4_quarter_fraction:upside/value | None | 0.25 |
| /operating_model/cells/upside_2026q4_revenue:upside/basis | None | No bank acquisition contribution. |
| /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_consumer_revenue |
| /operating_model/cells/upside_2026q4_revenue:upside/formula/refs/1 | None | upside_2026q4_business_revenue |
| /operating_model/cells/upside_2026q4_revenue:upside/formula/refs/2 | None | upside_2026q4_other_revenue |
| /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 | Total 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 | 1110.0 |
| /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 | SBC expense |
| /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 | 9.4 |
| /operating_model/cells/upside_2026q4_working_capital_use:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2026q4_working_capital_use:upside/case | None | upside |
| /operating_model/cells/upside_2026q4_working_capital_use:upside/id | None | upside_2026q4_working_capital_use |
| /operating_model/cells/upside_2026q4_working_capital_use:upside/kind | None | assumption |
| /operating_model/cells/upside_2026q4_working_capital_use:upside/label | None | Net other cash use |
| /operating_model/cells/upside_2026q4_working_capital_use:upside/period | None | 2026Q4 |
| /operating_model/cells/upside_2026q4_working_capital_use:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2026q4_working_capital_use:upside/value | None | 17.0 |
| /operating_model/cells/upside_2027q1_annual_interest_rate:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q1_annual_interest_rate:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_annual_interest_rate:upside/id | None | upside_2027q1_annual_interest_rate |
| /operating_model/cells/upside_2027q1_annual_interest_rate:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q1_annual_interest_rate:upside/label | None | Net annual debt cost including fees |
| /operating_model/cells/upside_2027q1_annual_interest_rate:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_annual_interest_rate:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q1_annual_interest_rate:upside/value | None | 0.073 |
| /operating_model/cells/upside_2027q1_average_debt:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q1_average_debt:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_average_debt:upside/id | None | upside_2027q1_average_debt |
| /operating_model/cells/upside_2027q1_average_debt:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q1_average_debt:upside/label | None | Average funded debt |
| /operating_model/cells/upside_2027q1_average_debt:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_average_debt:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_average_debt:upside/value | None | 6100.0 |
| /operating_model/cells/upside_2027q1_business_activity:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q1_business_activity:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_business_activity:upside/id | None | upside_2027q1_business_activity |
| /operating_model/cells/upside_2027q1_business_activity:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q1_business_activity:upside/label | None | Business average earning activity / Q2 |
| /operating_model/cells/upside_2027q1_business_activity:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_business_activity:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q1_business_activity:upside/value | None | 1.331754957087896 |
| /operating_model/cells/upside_2027q1_business_credit_cost:upside/basis | None | Credit and valuation sensitivity, not a cohort charge-off forecast. |
| /operating_model/cells/upside_2027q1_business_credit_cost:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_business_credit_cost:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2027q1_business_credit_cost:upside/formula/refs/0 | None | upside_2027q1_business_revenue |
| /operating_model/cells/upside_2027q1_business_credit_cost:upside/formula/refs/1 | None | upside_2027q1_business_credit_ratio |
| /operating_model/cells/upside_2027q1_business_credit_cost:upside/id | None | upside_2027q1_business_credit_cost |
| /operating_model/cells/upside_2027q1_business_credit_cost:upside/kind | None | derived |
| /operating_model/cells/upside_2027q1_business_credit_cost:upside/label | None | Business fair-value expense |
| /operating_model/cells/upside_2027q1_business_credit_cost:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_business_credit_cost:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_business_credit_cost:upside/value | None | 195.97500000000002 |
| /operating_model/cells/upside_2027q1_business_credit_ratio:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q1_business_credit_ratio:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_business_credit_ratio:upside/id | None | upside_2027q1_business_credit_ratio |
| /operating_model/cells/upside_2027q1_business_credit_ratio:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q1_business_credit_ratio:upside/label | None | Business fair-value expense / revenue |
| /operating_model/cells/upside_2027q1_business_credit_ratio:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_business_credit_ratio:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q1_business_credit_ratio:upside/value | None | 0.335 |
| /operating_model/cells/upside_2027q1_business_revenue:upside/basis | None | Activity calibration and revenue yield can vary independently; includes interest and contractual fees. |
| /operating_model/cells/upside_2027q1_business_revenue:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_business_revenue:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2027q1_business_revenue:upside/formula/refs/0 | None | q2_business |
| /operating_model/cells/upside_2027q1_business_revenue:upside/formula/refs/1 | None | upside_2027q1_business_activity |
| /operating_model/cells/upside_2027q1_business_revenue:upside/formula/refs/2 | None | upside_2027q1_business_yield |
| /operating_model/cells/upside_2027q1_business_revenue:upside/id | None | upside_2027q1_business_revenue |
| /operating_model/cells/upside_2027q1_business_revenue:upside/kind | None | derived |
| /operating_model/cells/upside_2027q1_business_revenue:upside/label | None | Business lending revenue |
| /operating_model/cells/upside_2027q1_business_revenue:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_business_revenue:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_business_revenue:upside/value | None | 585.0 |
| /operating_model/cells/upside_2027q1_business_yield:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q1_business_yield:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_business_yield:upside/id | None | upside_2027q1_business_yield |
| /operating_model/cells/upside_2027q1_business_yield:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q1_business_yield:upside/label | None | Business revenue yield versus Q2 |
| /operating_model/cells/upside_2027q1_business_yield:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_business_yield:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q1_business_yield:upside/value | None | 1.0 |
| /operating_model/cells/upside_2027q1_buybacks:upside/basis | None | Desk capital allocation; H2 $100M below June $218M covenant availability. Later authorization and covenant capacity remain conditions. |
| /operating_model/cells/upside_2027q1_buybacks:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_buybacks:upside/id | None | upside_2027q1_buybacks |
| /operating_model/cells/upside_2027q1_buybacks:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q1_buybacks:upside/label | None | Share repurchases |
| /operating_model/cells/upside_2027q1_buybacks:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_buybacks:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_buybacks:upside/value | None | 35.0 |
| /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 | Cash fixed assets and software |
| /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 | 15.0 |
| /operating_model/cells/upside_2027q1_cash_after_claims:upside/basis | None | Before debt amortization, refinancing, fees and reserve transfers; not equity distributable cash. |
| /operating_model/cells/upside_2027q1_cash_after_claims:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_cash_after_claims:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q1_cash_after_claims:upside/formula/refs/0 | None | upside_2027q1_cash_after_lending |
| /operating_model/cells/upside_2027q1_cash_after_claims:upside/formula/refs/1 | None | upside_2027q1_buybacks |
| /operating_model/cells/upside_2027q1_cash_after_claims:upside/id | None | upside_2027q1_cash_after_claims |
| /operating_model/cells/upside_2027q1_cash_after_claims:upside/kind | None | derived |
| /operating_model/cells/upside_2027q1_cash_after_claims:upside/label | None | Cash after lending and repurchases |
| /operating_model/cells/upside_2027q1_cash_after_claims:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_cash_after_claims:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_cash_after_claims:upside/value | None | -205.89900000000011 |
| /operating_model/cells/upside_2027q1_cash_after_lending:upside/basis | None | No new debt proceeds included. |
| /operating_model/cells/upside_2027q1_cash_after_lending:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_cash_after_lending:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q1_cash_after_lending:upside/formula/refs/0 | None | upside_2027q1_cfo |
| /operating_model/cells/upside_2027q1_cash_after_lending:upside/formula/refs/1 | None | upside_2027q1_cash_investment |
| /operating_model/cells/upside_2027q1_cash_after_lending:upside/id | None | upside_2027q1_cash_after_lending |
| /operating_model/cells/upside_2027q1_cash_after_lending:upside/kind | None | derived |
| /operating_model/cells/upside_2027q1_cash_after_lending:upside/label | None | Cash after capex and loan investment |
| /operating_model/cells/upside_2027q1_cash_after_lending:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_cash_after_lending:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_cash_after_lending:upside/value | None | -170.89900000000011 |
| /operating_model/cells/upside_2027q1_cash_investment:upside/basis | None | Loan growth can consume more than reported CFO. |
| /operating_model/cells/upside_2027q1_cash_investment:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_cash_investment:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q1_cash_investment:upside/formula/refs/0 | None | upside_2027q1_capex |
| /operating_model/cells/upside_2027q1_cash_investment:upside/formula/refs/1 | None | upside_2027q1_loan_investment |
| /operating_model/cells/upside_2027q1_cash_investment:upside/id | None | upside_2027q1_cash_investment |
| /operating_model/cells/upside_2027q1_cash_investment:upside/kind | None | derived |
| /operating_model/cells/upside_2027q1_cash_investment:upside/label | None | Cash capital and net loan investment |
| /operating_model/cells/upside_2027q1_cash_investment:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_cash_investment:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_cash_investment:upside/value | None | 785.0 |
| /operating_model/cells/upside_2027q1_cash_originations:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q1_cash_originations:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_cash_originations:upside/id | None | upside_2027q1_cash_originations |
| /operating_model/cells/upside_2027q1_cash_originations:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q1_cash_originations:upside/label | None | Cash loan originations |
| /operating_model/cells/upside_2027q1_cash_originations:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_cash_originations:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_cash_originations:upside/value | None | 2950.0 |
| /operating_model/cells/upside_2027q1_cash_tax:upside/basis | None | All configured pretax cases are positive; negative stress would require a cash-tax floor. |
| /operating_model/cells/upside_2027q1_cash_tax:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_cash_tax:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2027q1_cash_tax:upside/formula/refs/0 | None | upside_2027q1_pretax |
| /operating_model/cells/upside_2027q1_cash_tax:upside/formula/refs/1 | None | upside_2027q1_cash_tax_rate |
| /operating_model/cells/upside_2027q1_cash_tax:upside/id | None | upside_2027q1_cash_tax |
| /operating_model/cells/upside_2027q1_cash_tax:upside/kind | None | derived |
| /operating_model/cells/upside_2027q1_cash_tax:upside/label | None | Cash tax allowance |
| /operating_model/cells/upside_2027q1_cash_tax:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_cash_tax:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_cash_tax:upside/value | None | 55.52399999999999 |
| /operating_model/cells/upside_2027q1_cash_tax_rate:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q1_cash_tax_rate:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_cash_tax_rate:upside/id | None | upside_2027q1_cash_tax_rate |
| /operating_model/cells/upside_2027q1_cash_tax_rate:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q1_cash_tax_rate:upside/label | None | Cash taxes / modeled pretax income |
| /operating_model/cells/upside_2027q1_cash_tax_rate:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_cash_tax_rate:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q1_cash_tax_rate:upside/value | None | 0.24 |
| /operating_model/cells/upside_2027q1_cfo:upside/basis | None | Analytical CFO proxy; credit losses affect earnings and principal collections, not an extra cash expense. |
| /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_noncash_bridge |
| /operating_model/cells/upside_2027q1_cfo:upside/formula/refs/1 | None | upside_2027q1_operating_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 before loan investment |
| /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 | 614.1009999999999 |
| /operating_model/cells/upside_2027q1_consumer_activity:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q1_consumer_activity:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_consumer_activity:upside/id | None | upside_2027q1_consumer_activity |
| /operating_model/cells/upside_2027q1_consumer_activity:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q1_consumer_activity:upside/label | None | Consumer average earning activity / Q2 |
| /operating_model/cells/upside_2027q1_consumer_activity:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_consumer_activity:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q1_consumer_activity:upside/value | None | 1.2358117293195285 |
| /operating_model/cells/upside_2027q1_consumer_credit_cost:upside/basis | None | Credit and valuation sensitivity, not a cohort charge-off forecast. |
| /operating_model/cells/upside_2027q1_consumer_credit_cost:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_consumer_credit_cost:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2027q1_consumer_credit_cost:upside/formula/refs/0 | None | upside_2027q1_consumer_revenue |
| /operating_model/cells/upside_2027q1_consumer_credit_cost:upside/formula/refs/1 | None | upside_2027q1_consumer_credit_ratio |
| /operating_model/cells/upside_2027q1_consumer_credit_cost:upside/id | None | upside_2027q1_consumer_credit_cost |
| /operating_model/cells/upside_2027q1_consumer_credit_cost:upside/kind | None | derived |
| /operating_model/cells/upside_2027q1_consumer_credit_cost:upside/label | None | Consumer fair-value expense |
| /operating_model/cells/upside_2027q1_consumer_credit_cost:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_consumer_credit_cost:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_consumer_credit_cost:upside/value | None | 241.89999999999998 |
| /operating_model/cells/upside_2027q1_consumer_credit_ratio:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q1_consumer_credit_ratio:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_consumer_credit_ratio:upside/id | None | upside_2027q1_consumer_credit_ratio |
| /operating_model/cells/upside_2027q1_consumer_credit_ratio:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q1_consumer_credit_ratio:upside/label | None | Consumer fair-value expense / revenue |
| /operating_model/cells/upside_2027q1_consumer_credit_ratio:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_consumer_credit_ratio:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q1_consumer_credit_ratio:upside/value | None | 0.41 |
| /operating_model/cells/upside_2027q1_consumer_revenue:upside/basis | None | Activity calibration and revenue yield can vary independently; includes interest and contractual fees. |
| /operating_model/cells/upside_2027q1_consumer_revenue:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_consumer_revenue:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2027q1_consumer_revenue:upside/formula/refs/0 | None | q2_consumer |
| /operating_model/cells/upside_2027q1_consumer_revenue:upside/formula/refs/1 | None | upside_2027q1_consumer_activity |
| /operating_model/cells/upside_2027q1_consumer_revenue:upside/formula/refs/2 | None | upside_2027q1_consumer_yield |
| /operating_model/cells/upside_2027q1_consumer_revenue:upside/id | None | upside_2027q1_consumer_revenue |
| /operating_model/cells/upside_2027q1_consumer_revenue:upside/kind | None | derived |
| /operating_model/cells/upside_2027q1_consumer_revenue:upside/label | None | Consumer lending revenue |
| /operating_model/cells/upside_2027q1_consumer_revenue:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_consumer_revenue:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_consumer_revenue:upside/value | None | 590.0 |
| /operating_model/cells/upside_2027q1_consumer_yield:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q1_consumer_yield:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_consumer_yield:upside/id | None | upside_2027q1_consumer_yield |
| /operating_model/cells/upside_2027q1_consumer_yield:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q1_consumer_yield:upside/label | None | Consumer revenue yield versus Q2 |
| /operating_model/cells/upside_2027q1_consumer_yield:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_consumer_yield:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q1_consumer_yield:upside/value | None | 1.0 |
| /operating_model/cells/upside_2027q1_credit_cost:upside/basis | None | No double counting of charge-offs below fair-value expense. |
| /operating_model/cells/upside_2027q1_credit_cost:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_credit_cost:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q1_credit_cost:upside/formula/refs/0 | None | upside_2027q1_consumer_credit_cost |
| /operating_model/cells/upside_2027q1_credit_cost:upside/formula/refs/1 | None | upside_2027q1_business_credit_cost |
| /operating_model/cells/upside_2027q1_credit_cost:upside/id | None | upside_2027q1_credit_cost |
| /operating_model/cells/upside_2027q1_credit_cost:upside/kind | None | derived |
| /operating_model/cells/upside_2027q1_credit_cost:upside/label | None | Total fair-value expense |
| /operating_model/cells/upside_2027q1_credit_cost:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_credit_cost:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_credit_cost:upside/value | None | 437.875 |
| /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 | Depreciation and amortization |
| /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 | 9.6 |
| /operating_model/cells/upside_2027q1_ga:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q1_ga:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_ga:upside/id | None | upside_2027q1_ga |
| /operating_model/cells/upside_2027q1_ga:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q1_ga:upside/label | None | General and administrative |
| /operating_model/cells/upside_2027q1_ga:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_ga:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_ga:upside/value | None | 51.0 |
| /operating_model/cells/upside_2027q1_interest:upside/basis | None | Blended cost for corporate and funding debt; commitments are not treated as draws. |
| /operating_model/cells/upside_2027q1_interest:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_interest:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2027q1_interest:upside/formula/refs/0 | None | upside_2027q1_average_debt |
| /operating_model/cells/upside_2027q1_interest:upside/formula/refs/1 | None | upside_2027q1_annual_interest_rate |
| /operating_model/cells/upside_2027q1_interest:upside/formula/refs/2 | None | upside_2027q1_quarter_fraction |
| /operating_model/cells/upside_2027q1_interest:upside/id | None | upside_2027q1_interest |
| /operating_model/cells/upside_2027q1_interest:upside/kind | None | derived |
| /operating_model/cells/upside_2027q1_interest:upside/label | None | Net funding and corporate interest |
| /operating_model/cells/upside_2027q1_interest:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_interest:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_interest:upside/value | None | 111.32499999999999 |
| /operating_model/cells/upside_2027q1_loan_investment:upside/basis | None | Excludes interest collections already in operating cash and noncash renewals. |
| /operating_model/cells/upside_2027q1_loan_investment:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_loan_investment:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q1_loan_investment:upside/formula/refs/0 | None | upside_2027q1_cash_originations |
| /operating_model/cells/upside_2027q1_loan_investment:upside/formula/refs/1 | None | upside_2027q1_principal_receipts |
| /operating_model/cells/upside_2027q1_loan_investment:upside/id | None | upside_2027q1_loan_investment |
| /operating_model/cells/upside_2027q1_loan_investment:upside/kind | None | derived |
| /operating_model/cells/upside_2027q1_loan_investment:upside/label | None | Net cash loan investment |
| /operating_model/cells/upside_2027q1_loan_investment:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_loan_investment:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_loan_investment:upside/value | None | 770.0 |
| /operating_model/cells/upside_2027q1_marketing:upside/basis | None | Acquisition expense retained in earnings. |
| /operating_model/cells/upside_2027q1_marketing:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_marketing:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2027q1_marketing:upside/formula/refs/0 | None | upside_2027q1_revenue |
| /operating_model/cells/upside_2027q1_marketing:upside/formula/refs/1 | None | upside_2027q1_marketing_ratio |
| /operating_model/cells/upside_2027q1_marketing:upside/id | None | upside_2027q1_marketing |
| /operating_model/cells/upside_2027q1_marketing:upside/kind | None | derived |
| /operating_model/cells/upside_2027q1_marketing:upside/label | None | Marketing expense |
| /operating_model/cells/upside_2027q1_marketing:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_marketing:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_marketing:upside/value | None | 255.85 |
| /operating_model/cells/upside_2027q1_marketing_ratio:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q1_marketing_ratio:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_marketing_ratio:upside/id | None | upside_2027q1_marketing_ratio |
| /operating_model/cells/upside_2027q1_marketing_ratio:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q1_marketing_ratio:upside/label | None | Marketing / revenue |
| /operating_model/cells/upside_2027q1_marketing_ratio:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_marketing_ratio:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q1_marketing_ratio:upside/value | None | 0.215 |
| /operating_model/cells/upside_2027q1_net_revenue:upside/basis | None | Financial-company net revenue, not industrial gross profit. |
| /operating_model/cells/upside_2027q1_net_revenue:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_net_revenue:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q1_net_revenue:upside/formula/refs/0 | None | upside_2027q1_revenue |
| /operating_model/cells/upside_2027q1_net_revenue:upside/formula/refs/1 | None | upside_2027q1_credit_cost |
| /operating_model/cells/upside_2027q1_net_revenue:upside/id | None | upside_2027q1_net_revenue |
| /operating_model/cells/upside_2027q1_net_revenue:upside/kind | None | derived |
| /operating_model/cells/upside_2027q1_net_revenue:upside/label | None | Revenue after fair-value expense |
| /operating_model/cells/upside_2027q1_net_revenue:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_net_revenue:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_net_revenue:upside/value | None | 752.125 |
| /operating_model/cells/upside_2027q1_noncash_bridge:upside/basis | None | Fair-value expense assumed noncash here; loan receipts are modeled separately. |
| /operating_model/cells/upside_2027q1_noncash_bridge:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_noncash_bridge:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q1_noncash_bridge:upside/formula/refs/0 | None | upside_2027q1_pretax |
| /operating_model/cells/upside_2027q1_noncash_bridge:upside/formula/refs/1 | None | upside_2027q1_credit_cost |
| /operating_model/cells/upside_2027q1_noncash_bridge:upside/formula/refs/2 | None | upside_2027q1_da |
| /operating_model/cells/upside_2027q1_noncash_bridge:upside/formula/refs/3 | None | upside_2027q1_sbc |
| /operating_model/cells/upside_2027q1_noncash_bridge:upside/id | None | upside_2027q1_noncash_bridge |
| /operating_model/cells/upside_2027q1_noncash_bridge:upside/kind | None | derived |
| /operating_model/cells/upside_2027q1_noncash_bridge:upside/label | None | Pretax earnings plus noncash expenses |
| /operating_model/cells/upside_2027q1_noncash_bridge:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_noncash_bridge:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_noncash_bridge:upside/value | None | 688.6249999999999 |
| /operating_model/cells/upside_2027q1_operating_cash_uses:upside/basis | None | Covers fee amortization, tax timing and other operating balances, not cash loan originations. |
| /operating_model/cells/upside_2027q1_operating_cash_uses:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_operating_cash_uses:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q1_operating_cash_uses:upside/formula/refs/0 | None | upside_2027q1_cash_tax |
| /operating_model/cells/upside_2027q1_operating_cash_uses:upside/formula/refs/1 | None | upside_2027q1_working_capital_use |
| /operating_model/cells/upside_2027q1_operating_cash_uses:upside/id | None | upside_2027q1_operating_cash_uses |
| /operating_model/cells/upside_2027q1_operating_cash_uses:upside/kind | None | derived |
| /operating_model/cells/upside_2027q1_operating_cash_uses:upside/label | None | Cash tax and other operating timing |
| /operating_model/cells/upside_2027q1_operating_cash_uses:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_operating_cash_uses:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_operating_cash_uses:upside/value | None | 74.52399999999999 |
| /operating_model/cells/upside_2027q1_operating_income:upside/basis | None | No Grasshopper synergies or one-time transaction recovery assumed. |
| /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_net_revenue |
| /operating_model/cells/upside_2027q1_operating_income:upside/formula/refs/1 | None | upside_2027q1_opex |
| /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 | GAAP 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 | 342.67499999999995 |
| /operating_model/cells/upside_2027q1_operations:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q1_operations:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_operations:upside/id | None | upside_2027q1_operations |
| /operating_model/cells/upside_2027q1_operations:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q1_operations:upside/label | None | Operations and technology |
| /operating_model/cells/upside_2027q1_operations:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_operations:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_operations:upside/value | None | 93.0 |
| /operating_model/cells/upside_2027q1_opex:upside/basis | None | SBC is already within departmental expense; add back only in cash bridge. |
| /operating_model/cells/upside_2027q1_opex:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_opex:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q1_opex:upside/formula/refs/0 | None | upside_2027q1_marketing |
| /operating_model/cells/upside_2027q1_opex:upside/formula/refs/1 | None | upside_2027q1_operations |
| /operating_model/cells/upside_2027q1_opex:upside/formula/refs/2 | None | upside_2027q1_ga |
| /operating_model/cells/upside_2027q1_opex:upside/formula/refs/3 | None | upside_2027q1_da |
| /operating_model/cells/upside_2027q1_opex:upside/id | None | upside_2027q1_opex |
| /operating_model/cells/upside_2027q1_opex:upside/kind | None | derived |
| /operating_model/cells/upside_2027q1_opex:upside/label | None | Operating expense |
| /operating_model/cells/upside_2027q1_opex:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_opex:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_opex:upside/value | None | 409.45000000000005 |
| /operating_model/cells/upside_2027q1_other_revenue:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q1_other_revenue:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_other_revenue:upside/id | None | upside_2027q1_other_revenue |
| /operating_model/cells/upside_2027q1_other_revenue:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q1_other_revenue:upside/label | None | Other revenue |
| /operating_model/cells/upside_2027q1_other_revenue:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_other_revenue:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_other_revenue:upside/value | None | 15.0 |
| /operating_model/cells/upside_2027q1_pretax:upside/basis | None | No speculative nonoperating gains. |
| /operating_model/cells/upside_2027q1_pretax:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_pretax:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q1_pretax:upside/formula/refs/0 | None | upside_2027q1_operating_income |
| /operating_model/cells/upside_2027q1_pretax:upside/formula/refs/1 | None | upside_2027q1_interest |
| /operating_model/cells/upside_2027q1_pretax:upside/id | None | upside_2027q1_pretax |
| /operating_model/cells/upside_2027q1_pretax:upside/kind | None | derived |
| /operating_model/cells/upside_2027q1_pretax:upside/label | None | Pretax earnings proxy |
| /operating_model/cells/upside_2027q1_pretax:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_pretax:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_pretax:upside/value | None | 231.34999999999997 |
| /operating_model/cells/upside_2027q1_principal_receipts:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q1_principal_receipts:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_principal_receipts:upside/id | None | upside_2027q1_principal_receipts |
| /operating_model/cells/upside_2027q1_principal_receipts:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q1_principal_receipts:upside/label | None | Cash principal collections |
| /operating_model/cells/upside_2027q1_principal_receipts:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_principal_receipts:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_principal_receipts:upside/value | None | 2180.0 |
| /operating_model/cells/upside_2027q1_quarter_fraction:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q1_quarter_fraction:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_quarter_fraction:upside/id | None | upside_2027q1_quarter_fraction |
| /operating_model/cells/upside_2027q1_quarter_fraction:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q1_quarter_fraction:upside/label | None | Quarter of annual rate |
| /operating_model/cells/upside_2027q1_quarter_fraction:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_quarter_fraction:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q1_quarter_fraction:upside/value | None | 0.25 |
| /operating_model/cells/upside_2027q1_revenue:upside/basis | None | No bank acquisition contribution. |
| /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_consumer_revenue |
| /operating_model/cells/upside_2027q1_revenue:upside/formula/refs/1 | None | upside_2027q1_business_revenue |
| /operating_model/cells/upside_2027q1_revenue:upside/formula/refs/2 | None | upside_2027q1_other_revenue |
| /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 | Total 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 | 1190.0 |
| /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 | SBC expense |
| /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 | 9.8 |
| /operating_model/cells/upside_2027q1_working_capital_use:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q1_working_capital_use:upside/case | None | upside |
| /operating_model/cells/upside_2027q1_working_capital_use:upside/id | None | upside_2027q1_working_capital_use |
| /operating_model/cells/upside_2027q1_working_capital_use:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q1_working_capital_use:upside/label | None | Net other cash use |
| /operating_model/cells/upside_2027q1_working_capital_use:upside/period | None | 2027Q1 |
| /operating_model/cells/upside_2027q1_working_capital_use:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q1_working_capital_use:upside/value | None | 19.0 |
| /operating_model/cells/upside_2027q2_annual_interest_rate:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q2_annual_interest_rate:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_annual_interest_rate:upside/id | None | upside_2027q2_annual_interest_rate |
| /operating_model/cells/upside_2027q2_annual_interest_rate:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q2_annual_interest_rate:upside/label | None | Net annual debt cost including fees |
| /operating_model/cells/upside_2027q2_annual_interest_rate:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_annual_interest_rate:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q2_annual_interest_rate:upside/value | None | 0.073 |
| /operating_model/cells/upside_2027q2_average_debt:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q2_average_debt:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_average_debt:upside/id | None | upside_2027q2_average_debt |
| /operating_model/cells/upside_2027q2_average_debt:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q2_average_debt:upside/label | None | Average funded debt |
| /operating_model/cells/upside_2027q2_average_debt:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_average_debt:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_average_debt:upside/value | None | 6525.0 |
| /operating_model/cells/upside_2027q2_business_activity:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q2_business_activity:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_business_activity:upside/id | None | upside_2027q2_business_activity |
| /operating_model/cells/upside_2027q2_business_activity:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q2_business_activity:upside/label | None | Business average earning activity / Q2 |
| /operating_model/cells/upside_2027q2_business_activity:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_business_activity:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q2_business_activity:upside/value | None | 1.4546861838960095 |
| /operating_model/cells/upside_2027q2_business_credit_cost:upside/basis | None | Credit and valuation sensitivity, not a cohort charge-off forecast. |
| /operating_model/cells/upside_2027q2_business_credit_cost:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_business_credit_cost:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2027q2_business_credit_cost:upside/formula/refs/0 | None | upside_2027q2_business_revenue |
| /operating_model/cells/upside_2027q2_business_credit_cost:upside/formula/refs/1 | None | upside_2027q2_business_credit_ratio |
| /operating_model/cells/upside_2027q2_business_credit_cost:upside/id | None | upside_2027q2_business_credit_cost |
| /operating_model/cells/upside_2027q2_business_credit_cost:upside/kind | None | derived |
| /operating_model/cells/upside_2027q2_business_credit_cost:upside/label | None | Business fair-value expense |
| /operating_model/cells/upside_2027q2_business_credit_cost:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_business_credit_cost:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_business_credit_cost:upside/value | None | 214.06500000000003 |
| /operating_model/cells/upside_2027q2_business_credit_ratio:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q2_business_credit_ratio:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_business_credit_ratio:upside/id | None | upside_2027q2_business_credit_ratio |
| /operating_model/cells/upside_2027q2_business_credit_ratio:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q2_business_credit_ratio:upside/label | None | Business fair-value expense / revenue |
| /operating_model/cells/upside_2027q2_business_credit_ratio:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_business_credit_ratio:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q2_business_credit_ratio:upside/value | None | 0.335 |
| /operating_model/cells/upside_2027q2_business_revenue:upside/basis | None | Activity calibration and revenue yield can vary independently; includes interest and contractual fees. |
| /operating_model/cells/upside_2027q2_business_revenue:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_business_revenue:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2027q2_business_revenue:upside/formula/refs/0 | None | q2_business |
| /operating_model/cells/upside_2027q2_business_revenue:upside/formula/refs/1 | None | upside_2027q2_business_activity |
| /operating_model/cells/upside_2027q2_business_revenue:upside/formula/refs/2 | None | upside_2027q2_business_yield |
| /operating_model/cells/upside_2027q2_business_revenue:upside/id | None | upside_2027q2_business_revenue |
| /operating_model/cells/upside_2027q2_business_revenue:upside/kind | None | derived |
| /operating_model/cells/upside_2027q2_business_revenue:upside/label | None | Business lending revenue |
| /operating_model/cells/upside_2027q2_business_revenue:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_business_revenue:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_business_revenue:upside/value | None | 639.0 |
| /operating_model/cells/upside_2027q2_business_yield:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q2_business_yield:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_business_yield:upside/id | None | upside_2027q2_business_yield |
| /operating_model/cells/upside_2027q2_business_yield:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q2_business_yield:upside/label | None | Business revenue yield versus Q2 |
| /operating_model/cells/upside_2027q2_business_yield:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_business_yield:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q2_business_yield:upside/value | None | 1.0 |
| /operating_model/cells/upside_2027q2_buybacks:upside/basis | None | Desk capital allocation; H2 $100M below June $218M covenant availability. Later authorization and covenant capacity remain conditions. |
| /operating_model/cells/upside_2027q2_buybacks:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_buybacks:upside/id | None | upside_2027q2_buybacks |
| /operating_model/cells/upside_2027q2_buybacks:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q2_buybacks:upside/label | None | Share repurchases |
| /operating_model/cells/upside_2027q2_buybacks:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_buybacks:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_buybacks:upside/value | None | 35.0 |
| /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 | Cash fixed assets and software |
| /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 | 16.0 |
| /operating_model/cells/upside_2027q2_cash_after_claims:upside/basis | None | Before debt amortization, refinancing, fees and reserve transfers; not equity distributable cash. |
| /operating_model/cells/upside_2027q2_cash_after_claims:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_cash_after_claims:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q2_cash_after_claims:upside/formula/refs/0 | None | upside_2027q2_cash_after_lending |
| /operating_model/cells/upside_2027q2_cash_after_claims:upside/formula/refs/1 | None | upside_2027q2_buybacks |
| /operating_model/cells/upside_2027q2_cash_after_claims:upside/id | None | upside_2027q2_cash_after_claims |
| /operating_model/cells/upside_2027q2_cash_after_claims:upside/kind | None | derived |
| /operating_model/cells/upside_2027q2_cash_after_claims:upside/label | None | Cash after lending and repurchases |
| /operating_model/cells/upside_2027q2_cash_after_claims:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_cash_after_claims:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_cash_after_claims:upside/value | None | -228.16214999999988 |
| /operating_model/cells/upside_2027q2_cash_after_lending:upside/basis | None | No new debt proceeds included. |
| /operating_model/cells/upside_2027q2_cash_after_lending:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_cash_after_lending:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q2_cash_after_lending:upside/formula/refs/0 | None | upside_2027q2_cfo |
| /operating_model/cells/upside_2027q2_cash_after_lending:upside/formula/refs/1 | None | upside_2027q2_cash_investment |
| /operating_model/cells/upside_2027q2_cash_after_lending:upside/id | None | upside_2027q2_cash_after_lending |
| /operating_model/cells/upside_2027q2_cash_after_lending:upside/kind | None | derived |
| /operating_model/cells/upside_2027q2_cash_after_lending:upside/label | None | Cash after capex and loan investment |
| /operating_model/cells/upside_2027q2_cash_after_lending:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_cash_after_lending:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_cash_after_lending:upside/value | None | -193.16214999999988 |
| /operating_model/cells/upside_2027q2_cash_investment:upside/basis | None | Loan growth can consume more than reported CFO. |
| /operating_model/cells/upside_2027q2_cash_investment:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_cash_investment:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q2_cash_investment:upside/formula/refs/0 | None | upside_2027q2_capex |
| /operating_model/cells/upside_2027q2_cash_investment:upside/formula/refs/1 | None | upside_2027q2_loan_investment |
| /operating_model/cells/upside_2027q2_cash_investment:upside/id | None | upside_2027q2_cash_investment |
| /operating_model/cells/upside_2027q2_cash_investment:upside/kind | None | derived |
| /operating_model/cells/upside_2027q2_cash_investment:upside/label | None | Cash capital and net loan investment |
| /operating_model/cells/upside_2027q2_cash_investment:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_cash_investment:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_cash_investment:upside/value | None | 856.0 |
| /operating_model/cells/upside_2027q2_cash_originations:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q2_cash_originations:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_cash_originations:upside/id | None | upside_2027q2_cash_originations |
| /operating_model/cells/upside_2027q2_cash_originations:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q2_cash_originations:upside/label | None | Cash loan originations |
| /operating_model/cells/upside_2027q2_cash_originations:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_cash_originations:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_cash_originations:upside/value | None | 3250.0 |
| /operating_model/cells/upside_2027q2_cash_tax:upside/basis | None | All configured pretax cases are positive; negative stress would require a cash-tax floor. |
| /operating_model/cells/upside_2027q2_cash_tax:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_cash_tax:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2027q2_cash_tax:upside/formula/refs/0 | None | upside_2027q2_pretax |
| /operating_model/cells/upside_2027q2_cash_tax:upside/formula/refs/1 | None | upside_2027q2_cash_tax_rate |
| /operating_model/cells/upside_2027q2_cash_tax:upside/id | None | upside_2027q2_cash_tax |
| /operating_model/cells/upside_2027q2_cash_tax:upside/kind | None | derived |
| /operating_model/cells/upside_2027q2_cash_tax:upside/label | None | Cash tax allowance |
| /operating_model/cells/upside_2027q2_cash_tax:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_cash_tax:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_cash_tax:upside/value | None | 61.08089999999999 |
| /operating_model/cells/upside_2027q2_cash_tax_rate:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q2_cash_tax_rate:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_cash_tax_rate:upside/id | None | upside_2027q2_cash_tax_rate |
| /operating_model/cells/upside_2027q2_cash_tax_rate:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q2_cash_tax_rate:upside/label | None | Cash taxes / modeled pretax income |
| /operating_model/cells/upside_2027q2_cash_tax_rate:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_cash_tax_rate:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q2_cash_tax_rate:upside/value | None | 0.24 |
| /operating_model/cells/upside_2027q2_cfo:upside/basis | None | Analytical CFO proxy; credit losses affect earnings and principal collections, not an extra cash expense. |
| /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_noncash_bridge |
| /operating_model/cells/upside_2027q2_cfo:upside/formula/refs/1 | None | upside_2027q2_operating_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 before loan investment |
| /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 | 662.8378500000001 |
| /operating_model/cells/upside_2027q2_consumer_activity:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q2_consumer_activity:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_consumer_activity:upside/id | None | upside_2027q2_consumer_activity |
| /operating_model/cells/upside_2027q2_consumer_activity:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q2_consumer_activity:upside/label | None | Consumer average earning activity / Q2 |
| /operating_model/cells/upside_2027q2_consumer_activity:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_consumer_activity:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q2_consumer_activity:upside/value | None | 1.3091225946181446 |
| /operating_model/cells/upside_2027q2_consumer_credit_cost:upside/basis | None | Credit and valuation sensitivity, not a cohort charge-off forecast. |
| /operating_model/cells/upside_2027q2_consumer_credit_cost:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_consumer_credit_cost:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2027q2_consumer_credit_cost:upside/formula/refs/0 | None | upside_2027q2_consumer_revenue |
| /operating_model/cells/upside_2027q2_consumer_credit_cost:upside/formula/refs/1 | None | upside_2027q2_consumer_credit_ratio |
| /operating_model/cells/upside_2027q2_consumer_credit_cost:upside/id | None | upside_2027q2_consumer_credit_cost |
| /operating_model/cells/upside_2027q2_consumer_credit_cost:upside/kind | None | derived |
| /operating_model/cells/upside_2027q2_consumer_credit_cost:upside/label | None | Consumer fair-value expense |
| /operating_model/cells/upside_2027q2_consumer_credit_cost:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_consumer_credit_cost:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_consumer_credit_cost:upside/value | None | 256.25 |
| /operating_model/cells/upside_2027q2_consumer_credit_ratio:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q2_consumer_credit_ratio:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_consumer_credit_ratio:upside/id | None | upside_2027q2_consumer_credit_ratio |
| /operating_model/cells/upside_2027q2_consumer_credit_ratio:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q2_consumer_credit_ratio:upside/label | None | Consumer fair-value expense / revenue |
| /operating_model/cells/upside_2027q2_consumer_credit_ratio:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_consumer_credit_ratio:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q2_consumer_credit_ratio:upside/value | None | 0.41 |
| /operating_model/cells/upside_2027q2_consumer_revenue:upside/basis | None | Activity calibration and revenue yield can vary independently; includes interest and contractual fees. |
| /operating_model/cells/upside_2027q2_consumer_revenue:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_consumer_revenue:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2027q2_consumer_revenue:upside/formula/refs/0 | None | q2_consumer |
| /operating_model/cells/upside_2027q2_consumer_revenue:upside/formula/refs/1 | None | upside_2027q2_consumer_activity |
| /operating_model/cells/upside_2027q2_consumer_revenue:upside/formula/refs/2 | None | upside_2027q2_consumer_yield |
| /operating_model/cells/upside_2027q2_consumer_revenue:upside/id | None | upside_2027q2_consumer_revenue |
| /operating_model/cells/upside_2027q2_consumer_revenue:upside/kind | None | derived |
| /operating_model/cells/upside_2027q2_consumer_revenue:upside/label | None | Consumer lending revenue |
| /operating_model/cells/upside_2027q2_consumer_revenue:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_consumer_revenue:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_consumer_revenue:upside/value | None | 625.0 |
| /operating_model/cells/upside_2027q2_consumer_yield:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q2_consumer_yield:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_consumer_yield:upside/id | None | upside_2027q2_consumer_yield |
| /operating_model/cells/upside_2027q2_consumer_yield:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q2_consumer_yield:upside/label | None | Consumer revenue yield versus Q2 |
| /operating_model/cells/upside_2027q2_consumer_yield:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_consumer_yield:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q2_consumer_yield:upside/value | None | 1.0 |
| /operating_model/cells/upside_2027q2_credit_cost:upside/basis | None | No double counting of charge-offs below fair-value expense. |
| /operating_model/cells/upside_2027q2_credit_cost:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_credit_cost:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q2_credit_cost:upside/formula/refs/0 | None | upside_2027q2_consumer_credit_cost |
| /operating_model/cells/upside_2027q2_credit_cost:upside/formula/refs/1 | None | upside_2027q2_business_credit_cost |
| /operating_model/cells/upside_2027q2_credit_cost:upside/id | None | upside_2027q2_credit_cost |
| /operating_model/cells/upside_2027q2_credit_cost:upside/kind | None | derived |
| /operating_model/cells/upside_2027q2_credit_cost:upside/label | None | Total fair-value expense |
| /operating_model/cells/upside_2027q2_credit_cost:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_credit_cost:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_credit_cost:upside/value | None | 470.31500000000005 |
| /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 | Depreciation and amortization |
| /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 | 9.9 |
| /operating_model/cells/upside_2027q2_ga:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q2_ga:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_ga:upside/id | None | upside_2027q2_ga |
| /operating_model/cells/upside_2027q2_ga:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q2_ga:upside/label | None | General and administrative |
| /operating_model/cells/upside_2027q2_ga:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_ga:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_ga:upside/value | None | 53.0 |
| /operating_model/cells/upside_2027q2_interest:upside/basis | None | Blended cost for corporate and funding debt; commitments are not treated as draws. |
| /operating_model/cells/upside_2027q2_interest:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_interest:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2027q2_interest:upside/formula/refs/0 | None | upside_2027q2_average_debt |
| /operating_model/cells/upside_2027q2_interest:upside/formula/refs/1 | None | upside_2027q2_annual_interest_rate |
| /operating_model/cells/upside_2027q2_interest:upside/formula/refs/2 | None | upside_2027q2_quarter_fraction |
| /operating_model/cells/upside_2027q2_interest:upside/id | None | upside_2027q2_interest |
| /operating_model/cells/upside_2027q2_interest:upside/kind | None | derived |
| /operating_model/cells/upside_2027q2_interest:upside/label | None | Net funding and corporate interest |
| /operating_model/cells/upside_2027q2_interest:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_interest:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_interest:upside/value | None | 119.08125 |
| /operating_model/cells/upside_2027q2_loan_investment:upside/basis | None | Excludes interest collections already in operating cash and noncash renewals. |
| /operating_model/cells/upside_2027q2_loan_investment:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_loan_investment:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q2_loan_investment:upside/formula/refs/0 | None | upside_2027q2_cash_originations |
| /operating_model/cells/upside_2027q2_loan_investment:upside/formula/refs/1 | None | upside_2027q2_principal_receipts |
| /operating_model/cells/upside_2027q2_loan_investment:upside/id | None | upside_2027q2_loan_investment |
| /operating_model/cells/upside_2027q2_loan_investment:upside/kind | None | derived |
| /operating_model/cells/upside_2027q2_loan_investment:upside/label | None | Net cash loan investment |
| /operating_model/cells/upside_2027q2_loan_investment:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_loan_investment:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_loan_investment:upside/value | None | 840.0 |
| /operating_model/cells/upside_2027q2_marketing:upside/basis | None | Acquisition expense retained in earnings. |
| /operating_model/cells/upside_2027q2_marketing:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_marketing:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2027q2_marketing:upside/formula/refs/0 | None | upside_2027q2_revenue |
| /operating_model/cells/upside_2027q2_marketing:upside/formula/refs/1 | None | upside_2027q2_marketing_ratio |
| /operating_model/cells/upside_2027q2_marketing:upside/id | None | upside_2027q2_marketing |
| /operating_model/cells/upside_2027q2_marketing:upside/kind | None | derived |
| /operating_model/cells/upside_2027q2_marketing:upside/label | None | Marketing expense |
| /operating_model/cells/upside_2027q2_marketing:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_marketing:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_marketing:upside/value | None | 275.2 |
| /operating_model/cells/upside_2027q2_marketing_ratio:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q2_marketing_ratio:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_marketing_ratio:upside/id | None | upside_2027q2_marketing_ratio |
| /operating_model/cells/upside_2027q2_marketing_ratio:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q2_marketing_ratio:upside/label | None | Marketing / revenue |
| /operating_model/cells/upside_2027q2_marketing_ratio:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_marketing_ratio:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q2_marketing_ratio:upside/value | None | 0.215 |
| /operating_model/cells/upside_2027q2_net_revenue:upside/basis | None | Financial-company net revenue, not industrial gross profit. |
| /operating_model/cells/upside_2027q2_net_revenue:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_net_revenue:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q2_net_revenue:upside/formula/refs/0 | None | upside_2027q2_revenue |
| /operating_model/cells/upside_2027q2_net_revenue:upside/formula/refs/1 | None | upside_2027q2_credit_cost |
| /operating_model/cells/upside_2027q2_net_revenue:upside/id | None | upside_2027q2_net_revenue |
| /operating_model/cells/upside_2027q2_net_revenue:upside/kind | None | derived |
| /operating_model/cells/upside_2027q2_net_revenue:upside/label | None | Revenue after fair-value expense |
| /operating_model/cells/upside_2027q2_net_revenue:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_net_revenue:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_net_revenue:upside/value | None | 809.685 |
| /operating_model/cells/upside_2027q2_noncash_bridge:upside/basis | None | Fair-value expense assumed noncash here; loan receipts are modeled separately. |
| /operating_model/cells/upside_2027q2_noncash_bridge:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_noncash_bridge:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q2_noncash_bridge:upside/formula/refs/0 | None | upside_2027q2_pretax |
| /operating_model/cells/upside_2027q2_noncash_bridge:upside/formula/refs/1 | None | upside_2027q2_credit_cost |
| /operating_model/cells/upside_2027q2_noncash_bridge:upside/formula/refs/2 | None | upside_2027q2_da |
| /operating_model/cells/upside_2027q2_noncash_bridge:upside/formula/refs/3 | None | upside_2027q2_sbc |
| /operating_model/cells/upside_2027q2_noncash_bridge:upside/id | None | upside_2027q2_noncash_bridge |
| /operating_model/cells/upside_2027q2_noncash_bridge:upside/kind | None | derived |
| /operating_model/cells/upside_2027q2_noncash_bridge:upside/label | None | Pretax earnings plus noncash expenses |
| /operating_model/cells/upside_2027q2_noncash_bridge:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_noncash_bridge:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_noncash_bridge:upside/value | None | 744.91875 |
| /operating_model/cells/upside_2027q2_operating_cash_uses:upside/basis | None | Covers fee amortization, tax timing and other operating balances, not cash loan originations. |
| /operating_model/cells/upside_2027q2_operating_cash_uses:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_operating_cash_uses:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q2_operating_cash_uses:upside/formula/refs/0 | None | upside_2027q2_cash_tax |
| /operating_model/cells/upside_2027q2_operating_cash_uses:upside/formula/refs/1 | None | upside_2027q2_working_capital_use |
| /operating_model/cells/upside_2027q2_operating_cash_uses:upside/id | None | upside_2027q2_operating_cash_uses |
| /operating_model/cells/upside_2027q2_operating_cash_uses:upside/kind | None | derived |
| /operating_model/cells/upside_2027q2_operating_cash_uses:upside/label | None | Cash tax and other operating timing |
| /operating_model/cells/upside_2027q2_operating_cash_uses:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_operating_cash_uses:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_operating_cash_uses:upside/value | None | 82.08089999999999 |
| /operating_model/cells/upside_2027q2_operating_income:upside/basis | None | No Grasshopper synergies or one-time transaction recovery assumed. |
| /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_net_revenue |
| /operating_model/cells/upside_2027q2_operating_income:upside/formula/refs/1 | None | upside_2027q2_opex |
| /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 | GAAP 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 | 373.585 |
| /operating_model/cells/upside_2027q2_operations:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q2_operations:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_operations:upside/id | None | upside_2027q2_operations |
| /operating_model/cells/upside_2027q2_operations:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q2_operations:upside/label | None | Operations and technology |
| /operating_model/cells/upside_2027q2_operations:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_operations:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_operations:upside/value | None | 98.0 |
| /operating_model/cells/upside_2027q2_opex:upside/basis | None | SBC is already within departmental expense; add back only in cash bridge. |
| /operating_model/cells/upside_2027q2_opex:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_opex:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q2_opex:upside/formula/refs/0 | None | upside_2027q2_marketing |
| /operating_model/cells/upside_2027q2_opex:upside/formula/refs/1 | None | upside_2027q2_operations |
| /operating_model/cells/upside_2027q2_opex:upside/formula/refs/2 | None | upside_2027q2_ga |
| /operating_model/cells/upside_2027q2_opex:upside/formula/refs/3 | None | upside_2027q2_da |
| /operating_model/cells/upside_2027q2_opex:upside/id | None | upside_2027q2_opex |
| /operating_model/cells/upside_2027q2_opex:upside/kind | None | derived |
| /operating_model/cells/upside_2027q2_opex:upside/label | None | Operating expense |
| /operating_model/cells/upside_2027q2_opex:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_opex:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_opex:upside/value | None | 436.09999999999997 |
| /operating_model/cells/upside_2027q2_other_revenue:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q2_other_revenue:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_other_revenue:upside/id | None | upside_2027q2_other_revenue |
| /operating_model/cells/upside_2027q2_other_revenue:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q2_other_revenue:upside/label | None | Other revenue |
| /operating_model/cells/upside_2027q2_other_revenue:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_other_revenue:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_other_revenue:upside/value | None | 16.0 |
| /operating_model/cells/upside_2027q2_pretax:upside/basis | None | No speculative nonoperating gains. |
| /operating_model/cells/upside_2027q2_pretax:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_pretax:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q2_pretax:upside/formula/refs/0 | None | upside_2027q2_operating_income |
| /operating_model/cells/upside_2027q2_pretax:upside/formula/refs/1 | None | upside_2027q2_interest |
| /operating_model/cells/upside_2027q2_pretax:upside/id | None | upside_2027q2_pretax |
| /operating_model/cells/upside_2027q2_pretax:upside/kind | None | derived |
| /operating_model/cells/upside_2027q2_pretax:upside/label | None | Pretax earnings proxy |
| /operating_model/cells/upside_2027q2_pretax:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_pretax:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_pretax:upside/value | None | 254.50374999999997 |
| /operating_model/cells/upside_2027q2_principal_receipts:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q2_principal_receipts:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_principal_receipts:upside/id | None | upside_2027q2_principal_receipts |
| /operating_model/cells/upside_2027q2_principal_receipts:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q2_principal_receipts:upside/label | None | Cash principal collections |
| /operating_model/cells/upside_2027q2_principal_receipts:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_principal_receipts:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_principal_receipts:upside/value | None | 2410.0 |
| /operating_model/cells/upside_2027q2_quarter_fraction:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q2_quarter_fraction:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_quarter_fraction:upside/id | None | upside_2027q2_quarter_fraction |
| /operating_model/cells/upside_2027q2_quarter_fraction:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q2_quarter_fraction:upside/label | None | Quarter of annual rate |
| /operating_model/cells/upside_2027q2_quarter_fraction:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_quarter_fraction:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q2_quarter_fraction:upside/value | None | 0.25 |
| /operating_model/cells/upside_2027q2_revenue:upside/basis | None | No bank acquisition contribution. |
| /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_consumer_revenue |
| /operating_model/cells/upside_2027q2_revenue:upside/formula/refs/1 | None | upside_2027q2_business_revenue |
| /operating_model/cells/upside_2027q2_revenue:upside/formula/refs/2 | None | upside_2027q2_other_revenue |
| /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 | Total 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 | 1280.0 |
| /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 | SBC expense |
| /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 | 10.2 |
| /operating_model/cells/upside_2027q2_working_capital_use:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q2_working_capital_use:upside/case | None | upside |
| /operating_model/cells/upside_2027q2_working_capital_use:upside/id | None | upside_2027q2_working_capital_use |
| /operating_model/cells/upside_2027q2_working_capital_use:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q2_working_capital_use:upside/label | None | Net other cash use |
| /operating_model/cells/upside_2027q2_working_capital_use:upside/period | None | 2027Q2 |
| /operating_model/cells/upside_2027q2_working_capital_use:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q2_working_capital_use:upside/value | None | 21.0 |
| /operating_model/cells/upside_2027q3_annual_interest_rate:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q3_annual_interest_rate:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_annual_interest_rate:upside/id | None | upside_2027q3_annual_interest_rate |
| /operating_model/cells/upside_2027q3_annual_interest_rate:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q3_annual_interest_rate:upside/label | None | Net annual debt cost including fees |
| /operating_model/cells/upside_2027q3_annual_interest_rate:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_annual_interest_rate:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q3_annual_interest_rate:upside/value | None | 0.073 |
| /operating_model/cells/upside_2027q3_average_debt:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q3_average_debt:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_average_debt:upside/id | None | upside_2027q3_average_debt |
| /operating_model/cells/upside_2027q3_average_debt:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q3_average_debt:upside/label | None | Average funded debt |
| /operating_model/cells/upside_2027q3_average_debt:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_average_debt:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_average_debt:upside/value | None | 7000.0 |
| /operating_model/cells/upside_2027q3_business_activity:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q3_business_activity:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_business_activity:upside/id | None | upside_2027q3_business_activity |
| /operating_model/cells/upside_2027q3_business_activity:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q3_business_activity:upside/label | None | Business average earning activity / Q2 |
| /operating_model/cells/upside_2027q3_business_activity:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_business_activity:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q3_business_activity:upside/value | None | 1.6231474947071278 |
| /operating_model/cells/upside_2027q3_business_credit_cost:upside/basis | None | Credit and valuation sensitivity, not a cohort charge-off forecast. |
| /operating_model/cells/upside_2027q3_business_credit_cost:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_business_credit_cost:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2027q3_business_credit_cost:upside/formula/refs/0 | None | upside_2027q3_business_revenue |
| /operating_model/cells/upside_2027q3_business_credit_cost:upside/formula/refs/1 | None | upside_2027q3_business_credit_ratio |
| /operating_model/cells/upside_2027q3_business_credit_cost:upside/id | None | upside_2027q3_business_credit_cost |
| /operating_model/cells/upside_2027q3_business_credit_cost:upside/kind | None | derived |
| /operating_model/cells/upside_2027q3_business_credit_cost:upside/label | None | Business fair-value expense |
| /operating_model/cells/upside_2027q3_business_credit_cost:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_business_credit_cost:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_business_credit_cost:upside/value | None | 238.85500000000002 |
| /operating_model/cells/upside_2027q3_business_credit_ratio:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q3_business_credit_ratio:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_business_credit_ratio:upside/id | None | upside_2027q3_business_credit_ratio |
| /operating_model/cells/upside_2027q3_business_credit_ratio:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q3_business_credit_ratio:upside/label | None | Business fair-value expense / revenue |
| /operating_model/cells/upside_2027q3_business_credit_ratio:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_business_credit_ratio:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q3_business_credit_ratio:upside/value | None | 0.335 |
| /operating_model/cells/upside_2027q3_business_revenue:upside/basis | None | Activity calibration and revenue yield can vary independently; includes interest and contractual fees. |
| /operating_model/cells/upside_2027q3_business_revenue:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_business_revenue:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2027q3_business_revenue:upside/formula/refs/0 | None | q2_business |
| /operating_model/cells/upside_2027q3_business_revenue:upside/formula/refs/1 | None | upside_2027q3_business_activity |
| /operating_model/cells/upside_2027q3_business_revenue:upside/formula/refs/2 | None | upside_2027q3_business_yield |
| /operating_model/cells/upside_2027q3_business_revenue:upside/id | None | upside_2027q3_business_revenue |
| /operating_model/cells/upside_2027q3_business_revenue:upside/kind | None | derived |
| /operating_model/cells/upside_2027q3_business_revenue:upside/label | None | Business lending revenue |
| /operating_model/cells/upside_2027q3_business_revenue:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_business_revenue:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_business_revenue:upside/value | None | 713.0 |
| /operating_model/cells/upside_2027q3_business_yield:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q3_business_yield:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_business_yield:upside/id | None | upside_2027q3_business_yield |
| /operating_model/cells/upside_2027q3_business_yield:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q3_business_yield:upside/label | None | Business revenue yield versus Q2 |
| /operating_model/cells/upside_2027q3_business_yield:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_business_yield:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q3_business_yield:upside/value | None | 1.0 |
| /operating_model/cells/upside_2027q3_buybacks:upside/basis | None | Desk capital allocation; H2 $100M below June $218M covenant availability. Later authorization and covenant capacity remain conditions. |
| /operating_model/cells/upside_2027q3_buybacks:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_buybacks:upside/id | None | upside_2027q3_buybacks |
| /operating_model/cells/upside_2027q3_buybacks:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q3_buybacks:upside/label | None | Share repurchases |
| /operating_model/cells/upside_2027q3_buybacks:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_buybacks:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_buybacks:upside/value | None | 35.0 |
| /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 | Cash fixed assets and software |
| /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 | 17.0 |
| /operating_model/cells/upside_2027q3_cash_after_claims:upside/basis | None | Before debt amortization, refinancing, fees and reserve transfers; not equity distributable cash. |
| /operating_model/cells/upside_2027q3_cash_after_claims:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_cash_after_claims:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q3_cash_after_claims:upside/formula/refs/0 | None | upside_2027q3_cash_after_lending |
| /operating_model/cells/upside_2027q3_cash_after_claims:upside/formula/refs/1 | None | upside_2027q3_buybacks |
| /operating_model/cells/upside_2027q3_cash_after_claims:upside/id | None | upside_2027q3_cash_after_claims |
| /operating_model/cells/upside_2027q3_cash_after_claims:upside/kind | None | derived |
| /operating_model/cells/upside_2027q3_cash_after_claims:upside/label | None | Cash after lending and repurchases |
| /operating_model/cells/upside_2027q3_cash_after_claims:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_cash_after_claims:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_cash_after_claims:upside/value | None | -230.62879999999996 |
| /operating_model/cells/upside_2027q3_cash_after_lending:upside/basis | None | No new debt proceeds included. |
| /operating_model/cells/upside_2027q3_cash_after_lending:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_cash_after_lending:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q3_cash_after_lending:upside/formula/refs/0 | None | upside_2027q3_cfo |
| /operating_model/cells/upside_2027q3_cash_after_lending:upside/formula/refs/1 | None | upside_2027q3_cash_investment |
| /operating_model/cells/upside_2027q3_cash_after_lending:upside/id | None | upside_2027q3_cash_after_lending |
| /operating_model/cells/upside_2027q3_cash_after_lending:upside/kind | None | derived |
| /operating_model/cells/upside_2027q3_cash_after_lending:upside/label | None | Cash after capex and loan investment |
| /operating_model/cells/upside_2027q3_cash_after_lending:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_cash_after_lending:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_cash_after_lending:upside/value | None | -195.62879999999996 |
| /operating_model/cells/upside_2027q3_cash_investment:upside/basis | None | Loan growth can consume more than reported CFO. |
| /operating_model/cells/upside_2027q3_cash_investment:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_cash_investment:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q3_cash_investment:upside/formula/refs/0 | None | upside_2027q3_capex |
| /operating_model/cells/upside_2027q3_cash_investment:upside/formula/refs/1 | None | upside_2027q3_loan_investment |
| /operating_model/cells/upside_2027q3_cash_investment:upside/id | None | upside_2027q3_cash_investment |
| /operating_model/cells/upside_2027q3_cash_investment:upside/kind | None | derived |
| /operating_model/cells/upside_2027q3_cash_investment:upside/label | None | Cash capital and net loan investment |
| /operating_model/cells/upside_2027q3_cash_investment:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_cash_investment:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_cash_investment:upside/value | None | 927.0 |
| /operating_model/cells/upside_2027q3_cash_originations:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q3_cash_originations:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_cash_originations:upside/id | None | upside_2027q3_cash_originations |
| /operating_model/cells/upside_2027q3_cash_originations:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q3_cash_originations:upside/label | None | Cash loan originations |
| /operating_model/cells/upside_2027q3_cash_originations:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_cash_originations:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_cash_originations:upside/value | None | 3590.0 |
| /operating_model/cells/upside_2027q3_cash_tax:upside/basis | None | All configured pretax cases are positive; negative stress would require a cash-tax floor. |
| /operating_model/cells/upside_2027q3_cash_tax:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_cash_tax:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2027q3_cash_tax:upside/formula/refs/0 | None | upside_2027q3_pretax |
| /operating_model/cells/upside_2027q3_cash_tax:upside/formula/refs/1 | None | upside_2027q3_cash_tax_rate |
| /operating_model/cells/upside_2027q3_cash_tax:upside/id | None | upside_2027q3_cash_tax |
| /operating_model/cells/upside_2027q3_cash_tax:upside/kind | None | derived |
| /operating_model/cells/upside_2027q3_cash_tax:upside/label | None | Cash tax allowance |
| /operating_model/cells/upside_2027q3_cash_tax:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_cash_tax:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_cash_tax:upside/value | None | 69.47879999999998 |
| /operating_model/cells/upside_2027q3_cash_tax_rate:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q3_cash_tax_rate:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_cash_tax_rate:upside/id | None | upside_2027q3_cash_tax_rate |
| /operating_model/cells/upside_2027q3_cash_tax_rate:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q3_cash_tax_rate:upside/label | None | Cash taxes / modeled pretax income |
| /operating_model/cells/upside_2027q3_cash_tax_rate:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_cash_tax_rate:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q3_cash_tax_rate:upside/value | None | 0.24 |
| /operating_model/cells/upside_2027q3_cfo:upside/basis | None | Analytical CFO proxy; credit losses affect earnings and principal collections, not an extra cash expense. |
| /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_noncash_bridge |
| /operating_model/cells/upside_2027q3_cfo:upside/formula/refs/1 | None | upside_2027q3_operating_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 before loan investment |
| /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 | 731.3712 |
| /operating_model/cells/upside_2027q3_consumer_activity:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q3_consumer_activity:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_consumer_activity:upside/id | None | upside_2027q3_consumer_activity |
| /operating_model/cells/upside_2027q3_consumer_activity:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q3_consumer_activity:upside/label | None | Consumer average earning activity / Q2 |
| /operating_model/cells/upside_2027q3_consumer_activity:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_consumer_activity:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q3_consumer_activity:upside/value | None | 1.4033794214306512 |
| /operating_model/cells/upside_2027q3_consumer_credit_cost:upside/basis | None | Credit and valuation sensitivity, not a cohort charge-off forecast. |
| /operating_model/cells/upside_2027q3_consumer_credit_cost:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_consumer_credit_cost:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2027q3_consumer_credit_cost:upside/formula/refs/0 | None | upside_2027q3_consumer_revenue |
| /operating_model/cells/upside_2027q3_consumer_credit_cost:upside/formula/refs/1 | None | upside_2027q3_consumer_credit_ratio |
| /operating_model/cells/upside_2027q3_consumer_credit_cost:upside/id | None | upside_2027q3_consumer_credit_cost |
| /operating_model/cells/upside_2027q3_consumer_credit_cost:upside/kind | None | derived |
| /operating_model/cells/upside_2027q3_consumer_credit_cost:upside/label | None | Consumer fair-value expense |
| /operating_model/cells/upside_2027q3_consumer_credit_cost:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_consumer_credit_cost:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_consumer_credit_cost:upside/value | None | 274.7 |
| /operating_model/cells/upside_2027q3_consumer_credit_ratio:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q3_consumer_credit_ratio:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_consumer_credit_ratio:upside/id | None | upside_2027q3_consumer_credit_ratio |
| /operating_model/cells/upside_2027q3_consumer_credit_ratio:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q3_consumer_credit_ratio:upside/label | None | Consumer fair-value expense / revenue |
| /operating_model/cells/upside_2027q3_consumer_credit_ratio:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_consumer_credit_ratio:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q3_consumer_credit_ratio:upside/value | None | 0.41 |
| /operating_model/cells/upside_2027q3_consumer_revenue:upside/basis | None | Activity calibration and revenue yield can vary independently; includes interest and contractual fees. |
| /operating_model/cells/upside_2027q3_consumer_revenue:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_consumer_revenue:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2027q3_consumer_revenue:upside/formula/refs/0 | None | q2_consumer |
| /operating_model/cells/upside_2027q3_consumer_revenue:upside/formula/refs/1 | None | upside_2027q3_consumer_activity |
| /operating_model/cells/upside_2027q3_consumer_revenue:upside/formula/refs/2 | None | upside_2027q3_consumer_yield |
| /operating_model/cells/upside_2027q3_consumer_revenue:upside/id | None | upside_2027q3_consumer_revenue |
| /operating_model/cells/upside_2027q3_consumer_revenue:upside/kind | None | derived |
| /operating_model/cells/upside_2027q3_consumer_revenue:upside/label | None | Consumer lending revenue |
| /operating_model/cells/upside_2027q3_consumer_revenue:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_consumer_revenue:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_consumer_revenue:upside/value | None | 670.0 |
| /operating_model/cells/upside_2027q3_consumer_yield:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q3_consumer_yield:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_consumer_yield:upside/id | None | upside_2027q3_consumer_yield |
| /operating_model/cells/upside_2027q3_consumer_yield:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q3_consumer_yield:upside/label | None | Consumer revenue yield versus Q2 |
| /operating_model/cells/upside_2027q3_consumer_yield:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_consumer_yield:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q3_consumer_yield:upside/value | None | 1.0 |
| /operating_model/cells/upside_2027q3_credit_cost:upside/basis | None | No double counting of charge-offs below fair-value expense. |
| /operating_model/cells/upside_2027q3_credit_cost:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_credit_cost:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q3_credit_cost:upside/formula/refs/0 | None | upside_2027q3_consumer_credit_cost |
| /operating_model/cells/upside_2027q3_credit_cost:upside/formula/refs/1 | None | upside_2027q3_business_credit_cost |
| /operating_model/cells/upside_2027q3_credit_cost:upside/id | None | upside_2027q3_credit_cost |
| /operating_model/cells/upside_2027q3_credit_cost:upside/kind | None | derived |
| /operating_model/cells/upside_2027q3_credit_cost:upside/label | None | Total fair-value expense |
| /operating_model/cells/upside_2027q3_credit_cost:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_credit_cost:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_credit_cost:upside/value | None | 513.5550000000001 |
| /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 | Depreciation and amortization |
| /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 | 10.2 |
| /operating_model/cells/upside_2027q3_ga:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q3_ga:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_ga:upside/id | None | upside_2027q3_ga |
| /operating_model/cells/upside_2027q3_ga:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q3_ga:upside/label | None | General and administrative |
| /operating_model/cells/upside_2027q3_ga:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_ga:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_ga:upside/value | None | 55.0 |
| /operating_model/cells/upside_2027q3_interest:upside/basis | None | Blended cost for corporate and funding debt; commitments are not treated as draws. |
| /operating_model/cells/upside_2027q3_interest:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_interest:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2027q3_interest:upside/formula/refs/0 | None | upside_2027q3_average_debt |
| /operating_model/cells/upside_2027q3_interest:upside/formula/refs/1 | None | upside_2027q3_annual_interest_rate |
| /operating_model/cells/upside_2027q3_interest:upside/formula/refs/2 | None | upside_2027q3_quarter_fraction |
| /operating_model/cells/upside_2027q3_interest:upside/id | None | upside_2027q3_interest |
| /operating_model/cells/upside_2027q3_interest:upside/kind | None | derived |
| /operating_model/cells/upside_2027q3_interest:upside/label | None | Net funding and corporate interest |
| /operating_model/cells/upside_2027q3_interest:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_interest:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_interest:upside/value | None | 127.74999999999999 |
| /operating_model/cells/upside_2027q3_loan_investment:upside/basis | None | Excludes interest collections already in operating cash and noncash renewals. |
| /operating_model/cells/upside_2027q3_loan_investment:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_loan_investment:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q3_loan_investment:upside/formula/refs/0 | None | upside_2027q3_cash_originations |
| /operating_model/cells/upside_2027q3_loan_investment:upside/formula/refs/1 | None | upside_2027q3_principal_receipts |
| /operating_model/cells/upside_2027q3_loan_investment:upside/id | None | upside_2027q3_loan_investment |
| /operating_model/cells/upside_2027q3_loan_investment:upside/kind | None | derived |
| /operating_model/cells/upside_2027q3_loan_investment:upside/label | None | Net cash loan investment |
| /operating_model/cells/upside_2027q3_loan_investment:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_loan_investment:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_loan_investment:upside/value | None | 910.0 |
| /operating_model/cells/upside_2027q3_marketing:upside/basis | None | Acquisition expense retained in earnings. |
| /operating_model/cells/upside_2027q3_marketing:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_marketing:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2027q3_marketing:upside/formula/refs/0 | None | upside_2027q3_revenue |
| /operating_model/cells/upside_2027q3_marketing:upside/formula/refs/1 | None | upside_2027q3_marketing_ratio |
| /operating_model/cells/upside_2027q3_marketing:upside/id | None | upside_2027q3_marketing |
| /operating_model/cells/upside_2027q3_marketing:upside/kind | None | derived |
| /operating_model/cells/upside_2027q3_marketing:upside/label | None | Marketing expense |
| /operating_model/cells/upside_2027q3_marketing:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_marketing:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_marketing:upside/value | None | 301.0 |
| /operating_model/cells/upside_2027q3_marketing_ratio:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q3_marketing_ratio:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_marketing_ratio:upside/id | None | upside_2027q3_marketing_ratio |
| /operating_model/cells/upside_2027q3_marketing_ratio:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q3_marketing_ratio:upside/label | None | Marketing / revenue |
| /operating_model/cells/upside_2027q3_marketing_ratio:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_marketing_ratio:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q3_marketing_ratio:upside/value | None | 0.215 |
| /operating_model/cells/upside_2027q3_net_revenue:upside/basis | None | Financial-company net revenue, not industrial gross profit. |
| /operating_model/cells/upside_2027q3_net_revenue:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_net_revenue:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q3_net_revenue:upside/formula/refs/0 | None | upside_2027q3_revenue |
| /operating_model/cells/upside_2027q3_net_revenue:upside/formula/refs/1 | None | upside_2027q3_credit_cost |
| /operating_model/cells/upside_2027q3_net_revenue:upside/id | None | upside_2027q3_net_revenue |
| /operating_model/cells/upside_2027q3_net_revenue:upside/kind | None | derived |
| /operating_model/cells/upside_2027q3_net_revenue:upside/label | None | Revenue after fair-value expense |
| /operating_model/cells/upside_2027q3_net_revenue:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_net_revenue:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_net_revenue:upside/value | None | 886.4449999999999 |
| /operating_model/cells/upside_2027q3_noncash_bridge:upside/basis | None | Fair-value expense assumed noncash here; loan receipts are modeled separately. |
| /operating_model/cells/upside_2027q3_noncash_bridge:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_noncash_bridge:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q3_noncash_bridge:upside/formula/refs/0 | None | upside_2027q3_pretax |
| /operating_model/cells/upside_2027q3_noncash_bridge:upside/formula/refs/1 | None | upside_2027q3_credit_cost |
| /operating_model/cells/upside_2027q3_noncash_bridge:upside/formula/refs/2 | None | upside_2027q3_da |
| /operating_model/cells/upside_2027q3_noncash_bridge:upside/formula/refs/3 | None | upside_2027q3_sbc |
| /operating_model/cells/upside_2027q3_noncash_bridge:upside/id | None | upside_2027q3_noncash_bridge |
| /operating_model/cells/upside_2027q3_noncash_bridge:upside/kind | None | derived |
| /operating_model/cells/upside_2027q3_noncash_bridge:upside/label | None | Pretax earnings plus noncash expenses |
| /operating_model/cells/upside_2027q3_noncash_bridge:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_noncash_bridge:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_noncash_bridge:upside/value | None | 823.85 |
| /operating_model/cells/upside_2027q3_operating_cash_uses:upside/basis | None | Covers fee amortization, tax timing and other operating balances, not cash loan originations. |
| /operating_model/cells/upside_2027q3_operating_cash_uses:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_operating_cash_uses:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q3_operating_cash_uses:upside/formula/refs/0 | None | upside_2027q3_cash_tax |
| /operating_model/cells/upside_2027q3_operating_cash_uses:upside/formula/refs/1 | None | upside_2027q3_working_capital_use |
| /operating_model/cells/upside_2027q3_operating_cash_uses:upside/id | None | upside_2027q3_operating_cash_uses |
| /operating_model/cells/upside_2027q3_operating_cash_uses:upside/kind | None | derived |
| /operating_model/cells/upside_2027q3_operating_cash_uses:upside/label | None | Cash tax and other operating timing |
| /operating_model/cells/upside_2027q3_operating_cash_uses:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_operating_cash_uses:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_operating_cash_uses:upside/value | None | 92.47879999999998 |
| /operating_model/cells/upside_2027q3_operating_income:upside/basis | None | No Grasshopper synergies or one-time transaction recovery assumed. |
| /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_net_revenue |
| /operating_model/cells/upside_2027q3_operating_income:upside/formula/refs/1 | None | upside_2027q3_opex |
| /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 | GAAP 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 | 417.24499999999995 |
| /operating_model/cells/upside_2027q3_operations:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q3_operations:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_operations:upside/id | None | upside_2027q3_operations |
| /operating_model/cells/upside_2027q3_operations:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q3_operations:upside/label | None | Operations and technology |
| /operating_model/cells/upside_2027q3_operations:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_operations:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_operations:upside/value | None | 103.0 |
| /operating_model/cells/upside_2027q3_opex:upside/basis | None | SBC is already within departmental expense; add back only in cash bridge. |
| /operating_model/cells/upside_2027q3_opex:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_opex:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q3_opex:upside/formula/refs/0 | None | upside_2027q3_marketing |
| /operating_model/cells/upside_2027q3_opex:upside/formula/refs/1 | None | upside_2027q3_operations |
| /operating_model/cells/upside_2027q3_opex:upside/formula/refs/2 | None | upside_2027q3_ga |
| /operating_model/cells/upside_2027q3_opex:upside/formula/refs/3 | None | upside_2027q3_da |
| /operating_model/cells/upside_2027q3_opex:upside/id | None | upside_2027q3_opex |
| /operating_model/cells/upside_2027q3_opex:upside/kind | None | derived |
| /operating_model/cells/upside_2027q3_opex:upside/label | None | Operating expense |
| /operating_model/cells/upside_2027q3_opex:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_opex:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_opex:upside/value | None | 469.2 |
| /operating_model/cells/upside_2027q3_other_revenue:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q3_other_revenue:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_other_revenue:upside/id | None | upside_2027q3_other_revenue |
| /operating_model/cells/upside_2027q3_other_revenue:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q3_other_revenue:upside/label | None | Other revenue |
| /operating_model/cells/upside_2027q3_other_revenue:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_other_revenue:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_other_revenue:upside/value | None | 17.0 |
| /operating_model/cells/upside_2027q3_pretax:upside/basis | None | No speculative nonoperating gains. |
| /operating_model/cells/upside_2027q3_pretax:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_pretax:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q3_pretax:upside/formula/refs/0 | None | upside_2027q3_operating_income |
| /operating_model/cells/upside_2027q3_pretax:upside/formula/refs/1 | None | upside_2027q3_interest |
| /operating_model/cells/upside_2027q3_pretax:upside/id | None | upside_2027q3_pretax |
| /operating_model/cells/upside_2027q3_pretax:upside/kind | None | derived |
| /operating_model/cells/upside_2027q3_pretax:upside/label | None | Pretax earnings proxy |
| /operating_model/cells/upside_2027q3_pretax:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_pretax:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_pretax:upside/value | None | 289.49499999999995 |
| /operating_model/cells/upside_2027q3_principal_receipts:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q3_principal_receipts:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_principal_receipts:upside/id | None | upside_2027q3_principal_receipts |
| /operating_model/cells/upside_2027q3_principal_receipts:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q3_principal_receipts:upside/label | None | Cash principal collections |
| /operating_model/cells/upside_2027q3_principal_receipts:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_principal_receipts:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_principal_receipts:upside/value | None | 2680.0 |
| /operating_model/cells/upside_2027q3_quarter_fraction:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q3_quarter_fraction:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_quarter_fraction:upside/id | None | upside_2027q3_quarter_fraction |
| /operating_model/cells/upside_2027q3_quarter_fraction:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q3_quarter_fraction:upside/label | None | Quarter of annual rate |
| /operating_model/cells/upside_2027q3_quarter_fraction:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_quarter_fraction:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q3_quarter_fraction:upside/value | None | 0.25 |
| /operating_model/cells/upside_2027q3_revenue:upside/basis | None | No bank acquisition contribution. |
| /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_consumer_revenue |
| /operating_model/cells/upside_2027q3_revenue:upside/formula/refs/1 | None | upside_2027q3_business_revenue |
| /operating_model/cells/upside_2027q3_revenue:upside/formula/refs/2 | None | upside_2027q3_other_revenue |
| /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 | Total 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 | 1400.0 |
| /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 | SBC expense |
| /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 | 10.6 |
| /operating_model/cells/upside_2027q3_working_capital_use:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q3_working_capital_use:upside/case | None | upside |
| /operating_model/cells/upside_2027q3_working_capital_use:upside/id | None | upside_2027q3_working_capital_use |
| /operating_model/cells/upside_2027q3_working_capital_use:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q3_working_capital_use:upside/label | None | Net other cash use |
| /operating_model/cells/upside_2027q3_working_capital_use:upside/period | None | 2027Q3 |
| /operating_model/cells/upside_2027q3_working_capital_use:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q3_working_capital_use:upside/value | None | 23.0 |
| /operating_model/cells/upside_2027q4_annual_interest_rate:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q4_annual_interest_rate:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_annual_interest_rate:upside/id | None | upside_2027q4_annual_interest_rate |
| /operating_model/cells/upside_2027q4_annual_interest_rate:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q4_annual_interest_rate:upside/label | None | Net annual debt cost including fees |
| /operating_model/cells/upside_2027q4_annual_interest_rate:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_annual_interest_rate:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q4_annual_interest_rate:upside/value | None | 0.073 |
| /operating_model/cells/upside_2027q4_average_debt:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q4_average_debt:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_average_debt:upside/id | None | upside_2027q4_average_debt |
| /operating_model/cells/upside_2027q4_average_debt:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q4_average_debt:upside/label | None | Average funded debt |
| /operating_model/cells/upside_2027q4_average_debt:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_average_debt:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_average_debt:upside/value | None | 7450.0 |
| /operating_model/cells/upside_2027q4_business_activity:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q4_business_activity:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_business_activity:upside/id | None | upside_2027q4_business_activity |
| /operating_model/cells/upside_2027q4_business_activity:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q4_business_activity:upside/label | None | Business average earning activity / Q2 |
| /operating_model/cells/upside_2027q4_business_activity:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_business_activity:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q4_business_activity:upside/value | None | 1.780226284517495 |
| /operating_model/cells/upside_2027q4_business_credit_cost:upside/basis | None | Credit and valuation sensitivity, not a cohort charge-off forecast. |
| /operating_model/cells/upside_2027q4_business_credit_cost:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_business_credit_cost:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2027q4_business_credit_cost:upside/formula/refs/0 | None | upside_2027q4_business_revenue |
| /operating_model/cells/upside_2027q4_business_credit_cost:upside/formula/refs/1 | None | upside_2027q4_business_credit_ratio |
| /operating_model/cells/upside_2027q4_business_credit_cost:upside/id | None | upside_2027q4_business_credit_cost |
| /operating_model/cells/upside_2027q4_business_credit_cost:upside/kind | None | derived |
| /operating_model/cells/upside_2027q4_business_credit_cost:upside/label | None | Business fair-value expense |
| /operating_model/cells/upside_2027q4_business_credit_cost:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_business_credit_cost:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_business_credit_cost:upside/value | None | 261.97 |
| /operating_model/cells/upside_2027q4_business_credit_ratio:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q4_business_credit_ratio:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_business_credit_ratio:upside/id | None | upside_2027q4_business_credit_ratio |
| /operating_model/cells/upside_2027q4_business_credit_ratio:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q4_business_credit_ratio:upside/label | None | Business fair-value expense / revenue |
| /operating_model/cells/upside_2027q4_business_credit_ratio:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_business_credit_ratio:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q4_business_credit_ratio:upside/value | None | 0.335 |
| /operating_model/cells/upside_2027q4_business_revenue:upside/basis | None | Activity calibration and revenue yield can vary independently; includes interest and contractual fees. |
| /operating_model/cells/upside_2027q4_business_revenue:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_business_revenue:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2027q4_business_revenue:upside/formula/refs/0 | None | q2_business |
| /operating_model/cells/upside_2027q4_business_revenue:upside/formula/refs/1 | None | upside_2027q4_business_activity |
| /operating_model/cells/upside_2027q4_business_revenue:upside/formula/refs/2 | None | upside_2027q4_business_yield |
| /operating_model/cells/upside_2027q4_business_revenue:upside/id | None | upside_2027q4_business_revenue |
| /operating_model/cells/upside_2027q4_business_revenue:upside/kind | None | derived |
| /operating_model/cells/upside_2027q4_business_revenue:upside/label | None | Business lending revenue |
| /operating_model/cells/upside_2027q4_business_revenue:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_business_revenue:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_business_revenue:upside/value | None | 782.0 |
| /operating_model/cells/upside_2027q4_business_yield:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q4_business_yield:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_business_yield:upside/id | None | upside_2027q4_business_yield |
| /operating_model/cells/upside_2027q4_business_yield:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q4_business_yield:upside/label | None | Business revenue yield versus Q2 |
| /operating_model/cells/upside_2027q4_business_yield:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_business_yield:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q4_business_yield:upside/value | None | 1.0 |
| /operating_model/cells/upside_2027q4_buybacks:upside/basis | None | Desk capital allocation; H2 $100M below June $218M covenant availability. Later authorization and covenant capacity remain conditions. |
| /operating_model/cells/upside_2027q4_buybacks:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_buybacks:upside/id | None | upside_2027q4_buybacks |
| /operating_model/cells/upside_2027q4_buybacks:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q4_buybacks:upside/label | None | Share repurchases |
| /operating_model/cells/upside_2027q4_buybacks:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_buybacks:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_buybacks:upside/value | None | 35.0 |
| /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 | Cash fixed assets and software |
| /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 | 18.0 |
| /operating_model/cells/upside_2027q4_cash_after_claims:upside/basis | None | Before debt amortization, refinancing, fees and reserve transfers; not equity distributable cash. |
| /operating_model/cells/upside_2027q4_cash_after_claims:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_cash_after_claims:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q4_cash_after_claims:upside/formula/refs/0 | None | upside_2027q4_cash_after_lending |
| /operating_model/cells/upside_2027q4_cash_after_claims:upside/formula/refs/1 | None | upside_2027q4_buybacks |
| /operating_model/cells/upside_2027q4_cash_after_claims:upside/id | None | upside_2027q4_cash_after_claims |
| /operating_model/cells/upside_2027q4_cash_after_claims:upside/kind | None | derived |
| /operating_model/cells/upside_2027q4_cash_after_claims:upside/label | None | Cash after lending and repurchases |
| /operating_model/cells/upside_2027q4_cash_after_claims:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_cash_after_claims:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_cash_after_claims:upside/value | None | -239.6087 |
| /operating_model/cells/upside_2027q4_cash_after_lending:upside/basis | None | No new debt proceeds included. |
| /operating_model/cells/upside_2027q4_cash_after_lending:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_cash_after_lending:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q4_cash_after_lending:upside/formula/refs/0 | None | upside_2027q4_cfo |
| /operating_model/cells/upside_2027q4_cash_after_lending:upside/formula/refs/1 | None | upside_2027q4_cash_investment |
| /operating_model/cells/upside_2027q4_cash_after_lending:upside/id | None | upside_2027q4_cash_after_lending |
| /operating_model/cells/upside_2027q4_cash_after_lending:upside/kind | None | derived |
| /operating_model/cells/upside_2027q4_cash_after_lending:upside/label | None | Cash after capex and loan investment |
| /operating_model/cells/upside_2027q4_cash_after_lending:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_cash_after_lending:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_cash_after_lending:upside/value | None | -204.6087 |
| /operating_model/cells/upside_2027q4_cash_investment:upside/basis | None | Loan growth can consume more than reported CFO. |
| /operating_model/cells/upside_2027q4_cash_investment:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_cash_investment:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q4_cash_investment:upside/formula/refs/0 | None | upside_2027q4_capex |
| /operating_model/cells/upside_2027q4_cash_investment:upside/formula/refs/1 | None | upside_2027q4_loan_investment |
| /operating_model/cells/upside_2027q4_cash_investment:upside/id | None | upside_2027q4_cash_investment |
| /operating_model/cells/upside_2027q4_cash_investment:upside/kind | None | derived |
| /operating_model/cells/upside_2027q4_cash_investment:upside/label | None | Cash capital and net loan investment |
| /operating_model/cells/upside_2027q4_cash_investment:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_cash_investment:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_cash_investment:upside/value | None | 998.0 |
| /operating_model/cells/upside_2027q4_cash_originations:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q4_cash_originations:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_cash_originations:upside/id | None | upside_2027q4_cash_originations |
| /operating_model/cells/upside_2027q4_cash_originations:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q4_cash_originations:upside/label | None | Cash loan originations |
| /operating_model/cells/upside_2027q4_cash_originations:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_cash_originations:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_cash_originations:upside/value | None | 3900.0 |
| /operating_model/cells/upside_2027q4_cash_tax:upside/basis | None | All configured pretax cases are positive; negative stress would require a cash-tax floor. |
| /operating_model/cells/upside_2027q4_cash_tax:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_cash_tax:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2027q4_cash_tax:upside/formula/refs/0 | None | upside_2027q4_pretax |
| /operating_model/cells/upside_2027q4_cash_tax:upside/formula/refs/1 | None | upside_2027q4_cash_tax_rate |
| /operating_model/cells/upside_2027q4_cash_tax:upside/id | None | upside_2027q4_cash_tax |
| /operating_model/cells/upside_2027q4_cash_tax:upside/kind | None | derived |
| /operating_model/cells/upside_2027q4_cash_tax:upside/label | None | Cash tax allowance |
| /operating_model/cells/upside_2027q4_cash_tax:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_cash_tax:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_cash_tax:upside/value | None | 76.99620000000003 |
| /operating_model/cells/upside_2027q4_cash_tax_rate:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q4_cash_tax_rate:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_cash_tax_rate:upside/id | None | upside_2027q4_cash_tax_rate |
| /operating_model/cells/upside_2027q4_cash_tax_rate:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q4_cash_tax_rate:upside/label | None | Cash taxes / modeled pretax income |
| /operating_model/cells/upside_2027q4_cash_tax_rate:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_cash_tax_rate:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q4_cash_tax_rate:upside/value | None | 0.24 |
| /operating_model/cells/upside_2027q4_cfo:upside/basis | None | Analytical CFO proxy; credit losses affect earnings and principal collections, not an extra cash expense. |
| /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_noncash_bridge |
| /operating_model/cells/upside_2027q4_cfo:upside/formula/refs/1 | None | upside_2027q4_operating_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 before loan investment |
| /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 | 793.3913 |
| /operating_model/cells/upside_2027q4_consumer_activity:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q4_consumer_activity:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_consumer_activity:upside/id | None | upside_2027q4_consumer_activity |
| /operating_model/cells/upside_2027q4_consumer_activity:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q4_consumer_activity:upside/label | None | Consumer average earning activity / Q2 |
| /operating_model/cells/upside_2027q4_consumer_activity:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_consumer_activity:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q4_consumer_activity:upside/value | None | 1.4871632674862123 |
| /operating_model/cells/upside_2027q4_consumer_credit_cost:upside/basis | None | Credit and valuation sensitivity, not a cohort charge-off forecast. |
| /operating_model/cells/upside_2027q4_consumer_credit_cost:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_consumer_credit_cost:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2027q4_consumer_credit_cost:upside/formula/refs/0 | None | upside_2027q4_consumer_revenue |
| /operating_model/cells/upside_2027q4_consumer_credit_cost:upside/formula/refs/1 | None | upside_2027q4_consumer_credit_ratio |
| /operating_model/cells/upside_2027q4_consumer_credit_cost:upside/id | None | upside_2027q4_consumer_credit_cost |
| /operating_model/cells/upside_2027q4_consumer_credit_cost:upside/kind | None | derived |
| /operating_model/cells/upside_2027q4_consumer_credit_cost:upside/label | None | Consumer fair-value expense |
| /operating_model/cells/upside_2027q4_consumer_credit_cost:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_consumer_credit_cost:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_consumer_credit_cost:upside/value | None | 291.09999999999997 |
| /operating_model/cells/upside_2027q4_consumer_credit_ratio:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q4_consumer_credit_ratio:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_consumer_credit_ratio:upside/id | None | upside_2027q4_consumer_credit_ratio |
| /operating_model/cells/upside_2027q4_consumer_credit_ratio:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q4_consumer_credit_ratio:upside/label | None | Consumer fair-value expense / revenue |
| /operating_model/cells/upside_2027q4_consumer_credit_ratio:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_consumer_credit_ratio:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q4_consumer_credit_ratio:upside/value | None | 0.41 |
| /operating_model/cells/upside_2027q4_consumer_revenue:upside/basis | None | Activity calibration and revenue yield can vary independently; includes interest and contractual fees. |
| /operating_model/cells/upside_2027q4_consumer_revenue:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_consumer_revenue:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2027q4_consumer_revenue:upside/formula/refs/0 | None | q2_consumer |
| /operating_model/cells/upside_2027q4_consumer_revenue:upside/formula/refs/1 | None | upside_2027q4_consumer_activity |
| /operating_model/cells/upside_2027q4_consumer_revenue:upside/formula/refs/2 | None | upside_2027q4_consumer_yield |
| /operating_model/cells/upside_2027q4_consumer_revenue:upside/id | None | upside_2027q4_consumer_revenue |
| /operating_model/cells/upside_2027q4_consumer_revenue:upside/kind | None | derived |
| /operating_model/cells/upside_2027q4_consumer_revenue:upside/label | None | Consumer lending revenue |
| /operating_model/cells/upside_2027q4_consumer_revenue:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_consumer_revenue:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_consumer_revenue:upside/value | None | 710.0 |
| /operating_model/cells/upside_2027q4_consumer_yield:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q4_consumer_yield:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_consumer_yield:upside/id | None | upside_2027q4_consumer_yield |
| /operating_model/cells/upside_2027q4_consumer_yield:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q4_consumer_yield:upside/label | None | Consumer revenue yield versus Q2 |
| /operating_model/cells/upside_2027q4_consumer_yield:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_consumer_yield:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q4_consumer_yield:upside/value | None | 1.0 |
| /operating_model/cells/upside_2027q4_credit_cost:upside/basis | None | No double counting of charge-offs below fair-value expense. |
| /operating_model/cells/upside_2027q4_credit_cost:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_credit_cost:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q4_credit_cost:upside/formula/refs/0 | None | upside_2027q4_consumer_credit_cost |
| /operating_model/cells/upside_2027q4_credit_cost:upside/formula/refs/1 | None | upside_2027q4_business_credit_cost |
| /operating_model/cells/upside_2027q4_credit_cost:upside/id | None | upside_2027q4_credit_cost |
| /operating_model/cells/upside_2027q4_credit_cost:upside/kind | None | derived |
| /operating_model/cells/upside_2027q4_credit_cost:upside/label | None | Total fair-value expense |
| /operating_model/cells/upside_2027q4_credit_cost:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_credit_cost:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_credit_cost:upside/value | None | 553.0699999999999 |
| /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 | Depreciation and amortization |
| /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 | 10.5 |
| /operating_model/cells/upside_2027q4_ga:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q4_ga:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_ga:upside/id | None | upside_2027q4_ga |
| /operating_model/cells/upside_2027q4_ga:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q4_ga:upside/label | None | General and administrative |
| /operating_model/cells/upside_2027q4_ga:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_ga:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_ga:upside/value | None | 57.0 |
| /operating_model/cells/upside_2027q4_interest:upside/basis | None | Blended cost for corporate and funding debt; commitments are not treated as draws. |
| /operating_model/cells/upside_2027q4_interest:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_interest:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2027q4_interest:upside/formula/refs/0 | None | upside_2027q4_average_debt |
| /operating_model/cells/upside_2027q4_interest:upside/formula/refs/1 | None | upside_2027q4_annual_interest_rate |
| /operating_model/cells/upside_2027q4_interest:upside/formula/refs/2 | None | upside_2027q4_quarter_fraction |
| /operating_model/cells/upside_2027q4_interest:upside/id | None | upside_2027q4_interest |
| /operating_model/cells/upside_2027q4_interest:upside/kind | None | derived |
| /operating_model/cells/upside_2027q4_interest:upside/label | None | Net funding and corporate interest |
| /operating_model/cells/upside_2027q4_interest:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_interest:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_interest:upside/value | None | 135.9625 |
| /operating_model/cells/upside_2027q4_loan_investment:upside/basis | None | Excludes interest collections already in operating cash and noncash renewals. |
| /operating_model/cells/upside_2027q4_loan_investment:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_loan_investment:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q4_loan_investment:upside/formula/refs/0 | None | upside_2027q4_cash_originations |
| /operating_model/cells/upside_2027q4_loan_investment:upside/formula/refs/1 | None | upside_2027q4_principal_receipts |
| /operating_model/cells/upside_2027q4_loan_investment:upside/id | None | upside_2027q4_loan_investment |
| /operating_model/cells/upside_2027q4_loan_investment:upside/kind | None | derived |
| /operating_model/cells/upside_2027q4_loan_investment:upside/label | None | Net cash loan investment |
| /operating_model/cells/upside_2027q4_loan_investment:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_loan_investment:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_loan_investment:upside/value | None | 980.0 |
| /operating_model/cells/upside_2027q4_marketing:upside/basis | None | Acquisition expense retained in earnings. |
| /operating_model/cells/upside_2027q4_marketing:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_marketing:upside/formula/op | None | multiply |
| /operating_model/cells/upside_2027q4_marketing:upside/formula/refs/0 | None | upside_2027q4_revenue |
| /operating_model/cells/upside_2027q4_marketing:upside/formula/refs/1 | None | upside_2027q4_marketing_ratio |
| /operating_model/cells/upside_2027q4_marketing:upside/id | None | upside_2027q4_marketing |
| /operating_model/cells/upside_2027q4_marketing:upside/kind | None | derived |
| /operating_model/cells/upside_2027q4_marketing:upside/label | None | Marketing expense |
| /operating_model/cells/upside_2027q4_marketing:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_marketing:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_marketing:upside/value | None | 324.65 |
| /operating_model/cells/upside_2027q4_marketing_ratio:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q4_marketing_ratio:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_marketing_ratio:upside/id | None | upside_2027q4_marketing_ratio |
| /operating_model/cells/upside_2027q4_marketing_ratio:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q4_marketing_ratio:upside/label | None | Marketing / revenue |
| /operating_model/cells/upside_2027q4_marketing_ratio:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_marketing_ratio:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q4_marketing_ratio:upside/value | None | 0.215 |
| /operating_model/cells/upside_2027q4_net_revenue:upside/basis | None | Financial-company net revenue, not industrial gross profit. |
| /operating_model/cells/upside_2027q4_net_revenue:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_net_revenue:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q4_net_revenue:upside/formula/refs/0 | None | upside_2027q4_revenue |
| /operating_model/cells/upside_2027q4_net_revenue:upside/formula/refs/1 | None | upside_2027q4_credit_cost |
| /operating_model/cells/upside_2027q4_net_revenue:upside/id | None | upside_2027q4_net_revenue |
| /operating_model/cells/upside_2027q4_net_revenue:upside/kind | None | derived |
| /operating_model/cells/upside_2027q4_net_revenue:upside/label | None | Revenue after fair-value expense |
| /operating_model/cells/upside_2027q4_net_revenue:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_net_revenue:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_net_revenue:upside/value | None | 956.9300000000001 |
| /operating_model/cells/upside_2027q4_noncash_bridge:upside/basis | None | Fair-value expense assumed noncash here; loan receipts are modeled separately. |
| /operating_model/cells/upside_2027q4_noncash_bridge:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_noncash_bridge:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q4_noncash_bridge:upside/formula/refs/0 | None | upside_2027q4_pretax |
| /operating_model/cells/upside_2027q4_noncash_bridge:upside/formula/refs/1 | None | upside_2027q4_credit_cost |
| /operating_model/cells/upside_2027q4_noncash_bridge:upside/formula/refs/2 | None | upside_2027q4_da |
| /operating_model/cells/upside_2027q4_noncash_bridge:upside/formula/refs/3 | None | upside_2027q4_sbc |
| /operating_model/cells/upside_2027q4_noncash_bridge:upside/id | None | upside_2027q4_noncash_bridge |
| /operating_model/cells/upside_2027q4_noncash_bridge:upside/kind | None | derived |
| /operating_model/cells/upside_2027q4_noncash_bridge:upside/label | None | Pretax earnings plus noncash expenses |
| /operating_model/cells/upside_2027q4_noncash_bridge:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_noncash_bridge:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_noncash_bridge:upside/value | None | 895.3875 |
| /operating_model/cells/upside_2027q4_operating_cash_uses:upside/basis | None | Covers fee amortization, tax timing and other operating balances, not cash loan originations. |
| /operating_model/cells/upside_2027q4_operating_cash_uses:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_operating_cash_uses:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q4_operating_cash_uses:upside/formula/refs/0 | None | upside_2027q4_cash_tax |
| /operating_model/cells/upside_2027q4_operating_cash_uses:upside/formula/refs/1 | None | upside_2027q4_working_capital_use |
| /operating_model/cells/upside_2027q4_operating_cash_uses:upside/id | None | upside_2027q4_operating_cash_uses |
| /operating_model/cells/upside_2027q4_operating_cash_uses:upside/kind | None | derived |
| /operating_model/cells/upside_2027q4_operating_cash_uses:upside/label | None | Cash tax and other operating timing |
| /operating_model/cells/upside_2027q4_operating_cash_uses:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_operating_cash_uses:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_operating_cash_uses:upside/value | None | 101.99620000000003 |
| /operating_model/cells/upside_2027q4_operating_income:upside/basis | None | No Grasshopper synergies or one-time transaction recovery assumed. |
| /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_net_revenue |
| /operating_model/cells/upside_2027q4_operating_income:upside/formula/refs/1 | None | upside_2027q4_opex |
| /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 | GAAP 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 | 456.7800000000001 |
| /operating_model/cells/upside_2027q4_operations:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q4_operations:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_operations:upside/id | None | upside_2027q4_operations |
| /operating_model/cells/upside_2027q4_operations:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q4_operations:upside/label | None | Operations and technology |
| /operating_model/cells/upside_2027q4_operations:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_operations:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_operations:upside/value | None | 108.0 |
| /operating_model/cells/upside_2027q4_opex:upside/basis | None | SBC is already within departmental expense; add back only in cash bridge. |
| /operating_model/cells/upside_2027q4_opex:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_opex:upside/formula/op | None | sum |
| /operating_model/cells/upside_2027q4_opex:upside/formula/refs/0 | None | upside_2027q4_marketing |
| /operating_model/cells/upside_2027q4_opex:upside/formula/refs/1 | None | upside_2027q4_operations |
| /operating_model/cells/upside_2027q4_opex:upside/formula/refs/2 | None | upside_2027q4_ga |
| /operating_model/cells/upside_2027q4_opex:upside/formula/refs/3 | None | upside_2027q4_da |
| /operating_model/cells/upside_2027q4_opex:upside/id | None | upside_2027q4_opex |
| /operating_model/cells/upside_2027q4_opex:upside/kind | None | derived |
| /operating_model/cells/upside_2027q4_opex:upside/label | None | Operating expense |
| /operating_model/cells/upside_2027q4_opex:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_opex:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_opex:upside/value | None | 500.15 |
| /operating_model/cells/upside_2027q4_other_revenue:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q4_other_revenue:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_other_revenue:upside/id | None | upside_2027q4_other_revenue |
| /operating_model/cells/upside_2027q4_other_revenue:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q4_other_revenue:upside/label | None | Other revenue |
| /operating_model/cells/upside_2027q4_other_revenue:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_other_revenue:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_other_revenue:upside/value | None | 18.0 |
| /operating_model/cells/upside_2027q4_pretax:upside/basis | None | No speculative nonoperating gains. |
| /operating_model/cells/upside_2027q4_pretax:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_pretax:upside/formula/op | None | subtract |
| /operating_model/cells/upside_2027q4_pretax:upside/formula/refs/0 | None | upside_2027q4_operating_income |
| /operating_model/cells/upside_2027q4_pretax:upside/formula/refs/1 | None | upside_2027q4_interest |
| /operating_model/cells/upside_2027q4_pretax:upside/id | None | upside_2027q4_pretax |
| /operating_model/cells/upside_2027q4_pretax:upside/kind | None | derived |
| /operating_model/cells/upside_2027q4_pretax:upside/label | None | Pretax earnings proxy |
| /operating_model/cells/upside_2027q4_pretax:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_pretax:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_pretax:upside/value | None | 320.8175000000001 |
| /operating_model/cells/upside_2027q4_principal_receipts:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q4_principal_receipts:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_principal_receipts:upside/id | None | upside_2027q4_principal_receipts |
| /operating_model/cells/upside_2027q4_principal_receipts:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q4_principal_receipts:upside/label | None | Cash principal collections |
| /operating_model/cells/upside_2027q4_principal_receipts:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_principal_receipts:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_principal_receipts:upside/value | None | 2920.0 |
| /operating_model/cells/upside_2027q4_quarter_fraction:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q4_quarter_fraction:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_quarter_fraction:upside/id | None | upside_2027q4_quarter_fraction |
| /operating_model/cells/upside_2027q4_quarter_fraction:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q4_quarter_fraction:upside/label | None | Quarter of annual rate |
| /operating_model/cells/upside_2027q4_quarter_fraction:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_quarter_fraction:upside/unit | None | ratio |
| /operating_model/cells/upside_2027q4_quarter_fraction:upside/value | None | 0.25 |
| /operating_model/cells/upside_2027q4_revenue:upside/basis | None | No bank acquisition contribution. |
| /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_consumer_revenue |
| /operating_model/cells/upside_2027q4_revenue:upside/formula/refs/1 | None | upside_2027q4_business_revenue |
| /operating_model/cells/upside_2027q4_revenue:upside/formula/refs/2 | None | upside_2027q4_other_revenue |
| /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 | Total 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 | 1510.0 |
| /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 | SBC expense |
| /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 | 11.0 |
| /operating_model/cells/upside_2027q4_working_capital_use:upside/basis | None | Desk assumption; not company guidance. |
| /operating_model/cells/upside_2027q4_working_capital_use:upside/case | None | upside |
| /operating_model/cells/upside_2027q4_working_capital_use:upside/id | None | upside_2027q4_working_capital_use |
| /operating_model/cells/upside_2027q4_working_capital_use:upside/kind | None | assumption |
| /operating_model/cells/upside_2027q4_working_capital_use:upside/label | None | Net other cash use |
| /operating_model/cells/upside_2027q4_working_capital_use:upside/period | None | 2027Q4 |
| /operating_model/cells/upside_2027q4_working_capital_use:upside/unit | None | USD_millions |
| /operating_model/cells/upside_2027q4_working_capital_use:upside/value | None | 25.0 |
| /operating_model/cells/upside_fy2026_buybacks:upside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/upside_fy2026_buybacks:upside/case | None | upside |
| /operating_model/cells/upside_fy2026_buybacks:upside/formula/op | None | sum |
| /operating_model/cells/upside_fy2026_buybacks:upside/formula/refs/0 | None | h1_buybacks |
| /operating_model/cells/upside_fy2026_buybacks:upside/formula/refs/1 | None | upside_2026q3_buybacks |
| /operating_model/cells/upside_fy2026_buybacks:upside/formula/refs/2 | None | upside_2026q4_buybacks |
| /operating_model/cells/upside_fy2026_buybacks:upside/id | None | upside_fy2026_buybacks |
| /operating_model/cells/upside_fy2026_buybacks:upside/kind | None | derived |
| /operating_model/cells/upside_fy2026_buybacks:upside/label | None | Share repurchase cash ($M) |
| /operating_model/cells/upside_fy2026_buybacks:upside/period | None | FY2026 |
| /operating_model/cells/upside_fy2026_buybacks:upside/unit | None | USD_millions |
| /operating_model/cells/upside_fy2026_buybacks:upside/value | None | 159.37 |
| /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 | Cash fixed assets and software ($M) |
| /operating_model/cells/upside_fy2026_capex:upside/period | None | FY2026 |
| /operating_model/cells/upside_fy2026_capex:upside/unit | None | USD_millions |
| /operating_model/cells/upside_fy2026_capex:upside/value | None | 50.364999999999995 |
| /operating_model/cells/upside_fy2026_cash_after_claims:upside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/upside_fy2026_cash_after_claims:upside/case | None | upside |
| /operating_model/cells/upside_fy2026_cash_after_claims:upside/formula/op | None | sum |
| /operating_model/cells/upside_fy2026_cash_after_claims:upside/formula/refs/0 | None | h1_cash_after_claims |
| /operating_model/cells/upside_fy2026_cash_after_claims:upside/formula/refs/1 | None | upside_2026q3_cash_after_claims |
| /operating_model/cells/upside_fy2026_cash_after_claims:upside/formula/refs/2 | None | upside_2026q4_cash_after_claims |
| /operating_model/cells/upside_fy2026_cash_after_claims:upside/id | None | upside_fy2026_cash_after_claims |
| /operating_model/cells/upside_fy2026_cash_after_claims:upside/kind | None | derived |
| /operating_model/cells/upside_fy2026_cash_after_claims:upside/label | None | Cash after lending and repurchases ($M) |
| /operating_model/cells/upside_fy2026_cash_after_claims:upside/period | None | FY2026 |
| /operating_model/cells/upside_fy2026_cash_after_claims:upside/unit | None | USD_millions |
| /operating_model/cells/upside_fy2026_cash_after_claims:upside/value | None | -972.4765500000002 |
| /operating_model/cells/upside_fy2026_cash_after_lending: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_lending:upside/case | None | upside |
| /operating_model/cells/upside_fy2026_cash_after_lending:upside/formula/op | None | sum |
| /operating_model/cells/upside_fy2026_cash_after_lending:upside/formula/refs/0 | None | h1_cash_after_lending |
| /operating_model/cells/upside_fy2026_cash_after_lending:upside/formula/refs/1 | None | upside_2026q3_cash_after_lending |
| /operating_model/cells/upside_fy2026_cash_after_lending:upside/formula/refs/2 | None | upside_2026q4_cash_after_lending |
| /operating_model/cells/upside_fy2026_cash_after_lending:upside/id | None | upside_fy2026_cash_after_lending |
| /operating_model/cells/upside_fy2026_cash_after_lending:upside/kind | None | derived |
| /operating_model/cells/upside_fy2026_cash_after_lending:upside/label | None | Cash after capex and loan investment ($M) |
| /operating_model/cells/upside_fy2026_cash_after_lending:upside/period | None | FY2026 |
| /operating_model/cells/upside_fy2026_cash_after_lending:upside/unit | None | USD_millions |
| /operating_model/cells/upside_fy2026_cash_after_lending:upside/value | None | -813.1065500000002 |
| /operating_model/cells/upside_fy2026_cfo:upside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/upside_fy2026_cfo:upside/case | None | upside |
| /operating_model/cells/upside_fy2026_cfo:upside/formula/op | None | sum |
| /operating_model/cells/upside_fy2026_cfo:upside/formula/refs/0 | None | h1_cfo |
| /operating_model/cells/upside_fy2026_cfo:upside/formula/refs/1 | None | upside_2026q3_cfo |
| /operating_model/cells/upside_fy2026_cfo:upside/formula/refs/2 | None | upside_2026q4_cfo |
| /operating_model/cells/upside_fy2026_cfo:upside/id | None | upside_fy2026_cfo |
| /operating_model/cells/upside_fy2026_cfo:upside/kind | None | derived |
| /operating_model/cells/upside_fy2026_cfo:upside/label | None | Operating cash before loan investment ($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 | 2125.2314499999998 |
| /operating_model/cells/upside_fy2026_credit_cost:upside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/upside_fy2026_credit_cost:upside/case | None | upside |
| /operating_model/cells/upside_fy2026_credit_cost:upside/formula/op | None | sum |
| /operating_model/cells/upside_fy2026_credit_cost:upside/formula/refs/0 | None | h1_credit_cost |
| /operating_model/cells/upside_fy2026_credit_cost:upside/formula/refs/1 | None | upside_2026q3_credit_cost |
| /operating_model/cells/upside_fy2026_credit_cost:upside/formula/refs/2 | None | upside_2026q4_credit_cost |
| /operating_model/cells/upside_fy2026_credit_cost:upside/id | None | upside_fy2026_credit_cost |
| /operating_model/cells/upside_fy2026_credit_cost:upside/kind | None | derived |
| /operating_model/cells/upside_fy2026_credit_cost:upside/label | None | Fair-value expense ($M) |
| /operating_model/cells/upside_fy2026_credit_cost:upside/period | None | FY2026 |
| /operating_model/cells/upside_fy2026_credit_cost:upside/unit | None | USD_millions |
| /operating_model/cells/upside_fy2026_credit_cost:upside/value | None | 1500.3739999999998 |
| /operating_model/cells/upside_fy2026_interest:upside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/upside_fy2026_interest:upside/case | None | upside |
| /operating_model/cells/upside_fy2026_interest:upside/formula/op | None | sum |
| /operating_model/cells/upside_fy2026_interest:upside/formula/refs/0 | None | h1_interest |
| /operating_model/cells/upside_fy2026_interest:upside/formula/refs/1 | None | upside_2026q3_interest |
| /operating_model/cells/upside_fy2026_interest:upside/formula/refs/2 | None | upside_2026q4_interest |
| /operating_model/cells/upside_fy2026_interest:upside/id | None | upside_fy2026_interest |
| /operating_model/cells/upside_fy2026_interest:upside/kind | None | derived |
| /operating_model/cells/upside_fy2026_interest:upside/label | None | Net funding/corporate interest ($M) |
| /operating_model/cells/upside_fy2026_interest:upside/period | None | FY2026 |
| /operating_model/cells/upside_fy2026_interest:upside/unit | None | USD_millions |
| /operating_model/cells/upside_fy2026_interest:upside/value | None | 394.89525 |
| /operating_model/cells/upside_fy2026_loan_investment:upside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/upside_fy2026_loan_investment:upside/case | None | upside |
| /operating_model/cells/upside_fy2026_loan_investment:upside/formula/op | None | sum |
| /operating_model/cells/upside_fy2026_loan_investment:upside/formula/refs/0 | None | h1_loan_investment |
| /operating_model/cells/upside_fy2026_loan_investment:upside/formula/refs/1 | None | upside_2026q3_loan_investment |
| /operating_model/cells/upside_fy2026_loan_investment:upside/formula/refs/2 | None | upside_2026q4_loan_investment |
| /operating_model/cells/upside_fy2026_loan_investment:upside/id | None | upside_fy2026_loan_investment |
| /operating_model/cells/upside_fy2026_loan_investment:upside/kind | None | derived |
| /operating_model/cells/upside_fy2026_loan_investment:upside/label | None | Cash loan originations less principal receipts ($M) |
| /operating_model/cells/upside_fy2026_loan_investment:upside/period | None | FY2026 |
| /operating_model/cells/upside_fy2026_loan_investment:upside/unit | None | USD_millions |
| /operating_model/cells/upside_fy2026_loan_investment:upside/value | None | 2887.973 |
| /operating_model/cells/upside_fy2026_net_revenue:upside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/upside_fy2026_net_revenue:upside/case | None | upside |
| /operating_model/cells/upside_fy2026_net_revenue:upside/formula/op | None | sum |
| /operating_model/cells/upside_fy2026_net_revenue:upside/formula/refs/0 | None | h1_net_revenue |
| /operating_model/cells/upside_fy2026_net_revenue:upside/formula/refs/1 | None | upside_2026q3_net_revenue |
| /operating_model/cells/upside_fy2026_net_revenue:upside/formula/refs/2 | None | upside_2026q4_net_revenue |
| /operating_model/cells/upside_fy2026_net_revenue:upside/id | None | upside_fy2026_net_revenue |
| /operating_model/cells/upside_fy2026_net_revenue:upside/kind | None | derived |
| /operating_model/cells/upside_fy2026_net_revenue:upside/label | None | Revenue after fair-value expense ($M) |
| /operating_model/cells/upside_fy2026_net_revenue:upside/period | None | FY2026 |
| /operating_model/cells/upside_fy2026_net_revenue:upside/unit | None | USD_millions |
| /operating_model/cells/upside_fy2026_net_revenue:upside/value | None | 2453.695 |
| /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 | GAAP operating income proxy ($M) |
| /operating_model/cells/upside_fy2026_operating_income:upside/period | None | FY2026 |
| /operating_model/cells/upside_fy2026_operating_income:upside/unit | None | USD_millions |
| /operating_model/cells/upside_fy2026_operating_income:upside/value | None | 1053.373 |
| /operating_model/cells/upside_fy2026_pretax:upside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/upside_fy2026_pretax:upside/case | None | upside |
| /operating_model/cells/upside_fy2026_pretax:upside/formula/op | None | sum |
| /operating_model/cells/upside_fy2026_pretax:upside/formula/refs/0 | None | h1_pretax |
| /operating_model/cells/upside_fy2026_pretax:upside/formula/refs/1 | None | upside_2026q3_pretax |
| /operating_model/cells/upside_fy2026_pretax:upside/formula/refs/2 | None | upside_2026q4_pretax |
| /operating_model/cells/upside_fy2026_pretax:upside/id | None | upside_fy2026_pretax |
| /operating_model/cells/upside_fy2026_pretax:upside/kind | None | derived |
| /operating_model/cells/upside_fy2026_pretax:upside/label | None | Pretax earnings proxy ($M) |
| /operating_model/cells/upside_fy2026_pretax:upside/period | None | FY2026 |
| /operating_model/cells/upside_fy2026_pretax:upside/unit | None | USD_millions |
| /operating_model/cells/upside_fy2026_pretax:upside/value | None | 659.0607500000001 |
| /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 | Total revenue ($M) |
| /operating_model/cells/upside_fy2026_revenue:upside/period | None | FY2026 |
| /operating_model/cells/upside_fy2026_revenue:upside/unit | None | USD_millions |
| /operating_model/cells/upside_fy2026_revenue:upside/value | None | 3954.069 |
| /operating_model/cells/upside_fy2027_buybacks:upside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/upside_fy2027_buybacks:upside/case | None | upside |
| /operating_model/cells/upside_fy2027_buybacks:upside/formula/op | None | sum |
| /operating_model/cells/upside_fy2027_buybacks:upside/formula/refs/0 | None | upside_2027q1_buybacks |
| /operating_model/cells/upside_fy2027_buybacks:upside/formula/refs/1 | None | upside_2027q2_buybacks |
| /operating_model/cells/upside_fy2027_buybacks:upside/formula/refs/2 | None | upside_2027q3_buybacks |
| /operating_model/cells/upside_fy2027_buybacks:upside/formula/refs/3 | None | upside_2027q4_buybacks |
| /operating_model/cells/upside_fy2027_buybacks:upside/id | None | upside_fy2027_buybacks |
| /operating_model/cells/upside_fy2027_buybacks:upside/kind | None | derived |
| /operating_model/cells/upside_fy2027_buybacks:upside/label | None | Share repurchase cash ($M) |
| /operating_model/cells/upside_fy2027_buybacks:upside/period | None | FY2027 |
| /operating_model/cells/upside_fy2027_buybacks:upside/unit | None | USD_millions |
| /operating_model/cells/upside_fy2027_buybacks:upside/value | None | 140.0 |
| /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 | Cash fixed assets and software ($M) |
| /operating_model/cells/upside_fy2027_capex:upside/period | None | FY2027 |
| /operating_model/cells/upside_fy2027_capex:upside/unit | None | USD_millions |
| /operating_model/cells/upside_fy2027_capex:upside/value | None | 66.0 |
| /operating_model/cells/upside_fy2027_cash_after_claims:upside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/upside_fy2027_cash_after_claims:upside/case | None | upside |
| /operating_model/cells/upside_fy2027_cash_after_claims:upside/formula/op | None | sum |
| /operating_model/cells/upside_fy2027_cash_after_claims:upside/formula/refs/0 | None | upside_2027q1_cash_after_claims |
| /operating_model/cells/upside_fy2027_cash_after_claims:upside/formula/refs/1 | None | upside_2027q2_cash_after_claims |
| /operating_model/cells/upside_fy2027_cash_after_claims:upside/formula/refs/2 | None | upside_2027q3_cash_after_claims |
| /operating_model/cells/upside_fy2027_cash_after_claims:upside/formula/refs/3 | None | upside_2027q4_cash_after_claims |
| /operating_model/cells/upside_fy2027_cash_after_claims:upside/id | None | upside_fy2027_cash_after_claims |
| /operating_model/cells/upside_fy2027_cash_after_claims:upside/kind | None | derived |
| /operating_model/cells/upside_fy2027_cash_after_claims:upside/label | None | Cash after lending and repurchases ($M) |
| /operating_model/cells/upside_fy2027_cash_after_claims:upside/period | None | FY2027 |
| /operating_model/cells/upside_fy2027_cash_after_claims:upside/unit | None | USD_millions |
| /operating_model/cells/upside_fy2027_cash_after_claims:upside/value | None | -904.29865 |
| /operating_model/cells/upside_fy2027_cash_after_lending: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_lending:upside/case | None | upside |
| /operating_model/cells/upside_fy2027_cash_after_lending:upside/formula/op | None | sum |
| /operating_model/cells/upside_fy2027_cash_after_lending:upside/formula/refs/0 | None | upside_2027q1_cash_after_lending |
| /operating_model/cells/upside_fy2027_cash_after_lending:upside/formula/refs/1 | None | upside_2027q2_cash_after_lending |
| /operating_model/cells/upside_fy2027_cash_after_lending:upside/formula/refs/2 | None | upside_2027q3_cash_after_lending |
| /operating_model/cells/upside_fy2027_cash_after_lending:upside/formula/refs/3 | None | upside_2027q4_cash_after_lending |
| /operating_model/cells/upside_fy2027_cash_after_lending:upside/id | None | upside_fy2027_cash_after_lending |
| /operating_model/cells/upside_fy2027_cash_after_lending:upside/kind | None | derived |
| /operating_model/cells/upside_fy2027_cash_after_lending:upside/label | None | Cash after capex and loan investment ($M) |
| /operating_model/cells/upside_fy2027_cash_after_lending:upside/period | None | FY2027 |
| /operating_model/cells/upside_fy2027_cash_after_lending:upside/unit | None | USD_millions |
| /operating_model/cells/upside_fy2027_cash_after_lending:upside/value | None | -764.29865 |
| /operating_model/cells/upside_fy2027_cfo:upside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/upside_fy2027_cfo:upside/case | None | upside |
| /operating_model/cells/upside_fy2027_cfo:upside/formula/op | None | sum |
| /operating_model/cells/upside_fy2027_cfo:upside/formula/refs/0 | None | upside_2027q1_cfo |
| /operating_model/cells/upside_fy2027_cfo:upside/formula/refs/1 | None | upside_2027q2_cfo |
| /operating_model/cells/upside_fy2027_cfo:upside/formula/refs/2 | None | upside_2027q3_cfo |
| /operating_model/cells/upside_fy2027_cfo:upside/formula/refs/3 | None | upside_2027q4_cfo |
| /operating_model/cells/upside_fy2027_cfo:upside/id | None | upside_fy2027_cfo |
| /operating_model/cells/upside_fy2027_cfo:upside/kind | None | derived |
| /operating_model/cells/upside_fy2027_cfo:upside/label | None | Operating cash before loan investment ($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 | 2801.7013500000003 |
| /operating_model/cells/upside_fy2027_credit_cost:upside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/upside_fy2027_credit_cost:upside/case | None | upside |
| /operating_model/cells/upside_fy2027_credit_cost:upside/formula/op | None | sum |
| /operating_model/cells/upside_fy2027_credit_cost:upside/formula/refs/0 | None | upside_2027q1_credit_cost |
| /operating_model/cells/upside_fy2027_credit_cost:upside/formula/refs/1 | None | upside_2027q2_credit_cost |
| /operating_model/cells/upside_fy2027_credit_cost:upside/formula/refs/2 | None | upside_2027q3_credit_cost |
| /operating_model/cells/upside_fy2027_credit_cost:upside/formula/refs/3 | None | upside_2027q4_credit_cost |
| /operating_model/cells/upside_fy2027_credit_cost:upside/id | None | upside_fy2027_credit_cost |
| /operating_model/cells/upside_fy2027_credit_cost:upside/kind | None | derived |
| /operating_model/cells/upside_fy2027_credit_cost:upside/label | None | Fair-value expense ($M) |
| /operating_model/cells/upside_fy2027_credit_cost:upside/period | None | FY2027 |
| /operating_model/cells/upside_fy2027_credit_cost:upside/unit | None | USD_millions |
| /operating_model/cells/upside_fy2027_credit_cost:upside/value | None | 1974.815 |
| /operating_model/cells/upside_fy2027_interest:upside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/upside_fy2027_interest:upside/case | None | upside |
| /operating_model/cells/upside_fy2027_interest:upside/formula/op | None | sum |
| /operating_model/cells/upside_fy2027_interest:upside/formula/refs/0 | None | upside_2027q1_interest |
| /operating_model/cells/upside_fy2027_interest:upside/formula/refs/1 | None | upside_2027q2_interest |
| /operating_model/cells/upside_fy2027_interest:upside/formula/refs/2 | None | upside_2027q3_interest |
| /operating_model/cells/upside_fy2027_interest:upside/formula/refs/3 | None | upside_2027q4_interest |
| /operating_model/cells/upside_fy2027_interest:upside/id | None | upside_fy2027_interest |
| /operating_model/cells/upside_fy2027_interest:upside/kind | None | derived |
| /operating_model/cells/upside_fy2027_interest:upside/label | None | Net funding/corporate interest ($M) |
| /operating_model/cells/upside_fy2027_interest:upside/period | None | FY2027 |
| /operating_model/cells/upside_fy2027_interest:upside/unit | None | USD_millions |
| /operating_model/cells/upside_fy2027_interest:upside/value | None | 494.11875 |
| /operating_model/cells/upside_fy2027_loan_investment:upside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/upside_fy2027_loan_investment:upside/case | None | upside |
| /operating_model/cells/upside_fy2027_loan_investment:upside/formula/op | None | sum |
| /operating_model/cells/upside_fy2027_loan_investment:upside/formula/refs/0 | None | upside_2027q1_loan_investment |
| /operating_model/cells/upside_fy2027_loan_investment:upside/formula/refs/1 | None | upside_2027q2_loan_investment |
| /operating_model/cells/upside_fy2027_loan_investment:upside/formula/refs/2 | None | upside_2027q3_loan_investment |
| /operating_model/cells/upside_fy2027_loan_investment:upside/formula/refs/3 | None | upside_2027q4_loan_investment |
| /operating_model/cells/upside_fy2027_loan_investment:upside/id | None | upside_fy2027_loan_investment |
| /operating_model/cells/upside_fy2027_loan_investment:upside/kind | None | derived |
| /operating_model/cells/upside_fy2027_loan_investment:upside/label | None | Cash loan originations less principal receipts ($M) |
| /operating_model/cells/upside_fy2027_loan_investment:upside/period | None | FY2027 |
| /operating_model/cells/upside_fy2027_loan_investment:upside/unit | None | USD_millions |
| /operating_model/cells/upside_fy2027_loan_investment:upside/value | None | 3500.0 |
| /operating_model/cells/upside_fy2027_net_revenue:upside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/upside_fy2027_net_revenue:upside/case | None | upside |
| /operating_model/cells/upside_fy2027_net_revenue:upside/formula/op | None | sum |
| /operating_model/cells/upside_fy2027_net_revenue:upside/formula/refs/0 | None | upside_2027q1_net_revenue |
| /operating_model/cells/upside_fy2027_net_revenue:upside/formula/refs/1 | None | upside_2027q2_net_revenue |
| /operating_model/cells/upside_fy2027_net_revenue:upside/formula/refs/2 | None | upside_2027q3_net_revenue |
| /operating_model/cells/upside_fy2027_net_revenue:upside/formula/refs/3 | None | upside_2027q4_net_revenue |
| /operating_model/cells/upside_fy2027_net_revenue:upside/id | None | upside_fy2027_net_revenue |
| /operating_model/cells/upside_fy2027_net_revenue:upside/kind | None | derived |
| /operating_model/cells/upside_fy2027_net_revenue:upside/label | None | Revenue after fair-value expense ($M) |
| /operating_model/cells/upside_fy2027_net_revenue:upside/period | None | FY2027 |
| /operating_model/cells/upside_fy2027_net_revenue:upside/unit | None | USD_millions |
| /operating_model/cells/upside_fy2027_net_revenue:upside/value | None | 3405.1850000000004 |
| /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 | GAAP operating income proxy ($M) |
| /operating_model/cells/upside_fy2027_operating_income:upside/period | None | FY2027 |
| /operating_model/cells/upside_fy2027_operating_income:upside/unit | None | USD_millions |
| /operating_model/cells/upside_fy2027_operating_income:upside/value | None | 1590.2849999999999 |
| /operating_model/cells/upside_fy2027_pretax:upside/basis | None | Reported year-to-date amount plus remaining forecast quarters, or sum of four forecast quarters. |
| /operating_model/cells/upside_fy2027_pretax:upside/case | None | upside |
| /operating_model/cells/upside_fy2027_pretax:upside/formula/op | None | sum |
| /operating_model/cells/upside_fy2027_pretax:upside/formula/refs/0 | None | upside_2027q1_pretax |
| /operating_model/cells/upside_fy2027_pretax:upside/formula/refs/1 | None | upside_2027q2_pretax |
| /operating_model/cells/upside_fy2027_pretax:upside/formula/refs/2 | None | upside_2027q3_pretax |
| /operating_model/cells/upside_fy2027_pretax:upside/formula/refs/3 | None | upside_2027q4_pretax |
| /operating_model/cells/upside_fy2027_pretax:upside/id | None | upside_fy2027_pretax |
| /operating_model/cells/upside_fy2027_pretax:upside/kind | None | derived |
| /operating_model/cells/upside_fy2027_pretax:upside/label | None | Pretax earnings proxy ($M) |
| /operating_model/cells/upside_fy2027_pretax:upside/period | None | FY2027 |
| /operating_model/cells/upside_fy2027_pretax:upside/unit | None | USD_millions |
| /operating_model/cells/upside_fy2027_pretax:upside/value | None | 1096.16625 |
| /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 | Total 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 | 5380.0 |
| /operating_model/highlights/0 | None | fy25_revenue |
| /operating_model/highlights/1 | None | fy26_revenue_low |
| /operating_model/highlights/10 | None | cash |
| /operating_model/highlights/11 | None | restricted_cash |
| /operating_model/highlights/12 | None | loan_principal |
| /operating_model/highlights/13 | None | loan_fair_value |
| /operating_model/highlights/14 | None | funding_debt |
| /operating_model/highlights/15 | None | corporate_debt |
| /operating_model/highlights/16 | None | board_buyback |
| /operating_model/highlights/17 | None | covenant_buyback |
| /operating_model/highlights/2 | None | fy26_revenue_high |
| /operating_model/highlights/3 | None | h1_net_revenue |
| /operating_model/highlights/4 | None | h1_cfo |
| /operating_model/highlights/5 | None | h1_cash_originations |
| /operating_model/highlights/6 | None | h1_principal_receipts |
| /operating_model/highlights/7 | None | h1_loan_investment |
| /operating_model/highlights/8 | None | h1_cash_after_lending |
| /operating_model/highlights/9 | None | h1_cash_after_claims |
| /operating_model/limitations/0 | None | Enova withdrew the OCC/Federal Reserve applications for the proposed Grasshopper transaction in September. No closing, deposit funding or acquisition synergy is assumed. Withdrawal is not modeled as a completed acquisition. |
| /operating_model/limitations/1 | None | Fair-value expense includes credit economics and changes in valuation assumptions; it is not interchangeable with charge-offs or a cash payment. Consumer and small-business loss sensitivities are not forecasts of specific loan cohorts. |
| /operating_model/limitations/2 | None | Loan-roll-forward repayments include interest and noncash renewals. Cash investing uses cash originations and principal repayments from the cash-flow statement, not those incompatible roll-forward totals. |
| /operating_model/limitations/3 | None | Cash after lending excludes new borrowing, refinancing, asset transfers and collateral reserve changes. It is a funding need/surplus before financing, not a parent liquidity or distributable cash forecast. |
| /operating_model/limitations/4 | None | September facility amendments and the anticipated September 25 OnDeck securitization are funding capacity/plans, not cash earned. No proceeds from the planned transaction are assumed received as of September 19. |
| /operating_model/limitations/5 | None | The June $349M board buyback authorization exceeded the $218M then available under senior-note covenants. Desk H2 buybacks total $100M; availability and covenant tests must be checked again before an actual repurchase. |
| /operating_model/limitations/6 | None | The model does not forecast adjusted EPS or buyback-driven share counts. Management reaffirmed adjusted-EPS growth outlook separately; revenue calibration does not imply a full reconciliation to that earnings guide. |
| /operating_model/limitations/7 | None | September OnDeck performance data covers a defined serviced subset including owned and sold assets. It is not applied as the credit curve for all consolidated loans. No complete loan-vintage, capital or debt-amortization waterfall is provided. |
| /operating_model/method | None | Drive consumer and small-business revenue from Q2 activity indices and revenue-yield factors. Deduct product-specific fair-value expense, marketing and operating costs, then corporate and funding interest. Cash flow adds noncash credit/fair-value expense back before separately subtracting cash loan originations less principal repayments. This avoids treating the reported lending-company CFO as cash available to owners. Base FY2026 revenue matches the midpoint of September-reaffirmed 20-25% growth guidance and Q3 matches approximately 25% growth; earnings, cash and FY2027 are desk sensitivities. |
| /operating_model/metrics/buybacks | None | Share repurchase cash ($M) |
| /operating_model/metrics/capex | None | Cash fixed assets and software ($M) |
| /operating_model/metrics/cash_after_claims | None | Cash after lending and repurchases ($M) |
| /operating_model/metrics/cash_after_lending | None | Cash after capex and loan investment ($M) |
| /operating_model/metrics/cfo | None | Operating cash before loan investment ($M) |
| /operating_model/metrics/credit_cost | None | Fair-value expense ($M) |
| /operating_model/metrics/interest | None | Net funding/corporate interest ($M) |
| /operating_model/metrics/loan_investment | None | Cash loan originations less principal receipts ($M) |
| /operating_model/metrics/net_revenue | None | Revenue after fair-value expense ($M) |
| /operating_model/metrics/operating_income | None | GAAP operating income proxy ($M) |
| /operating_model/metrics/pretax | None | Pretax earnings proxy ($M) |
| /operating_model/metrics/revenue | None | Total revenue ($M) |
| /operating_model/outputs/2026Q3:base/case | None | base |
| /operating_model/outputs/2026Q3:base/frequency | None | quarter |
| /operating_model/outputs/2026Q3:base/metrics/buybacks | None | base_2026q3_buybacks |
| /operating_model/outputs/2026Q3:base/metrics/capex | None | base_2026q3_capex |
| /operating_model/outputs/2026Q3:base/metrics/cash_after_claims | None | base_2026q3_cash_after_claims |
| /operating_model/outputs/2026Q3:base/metrics/cash_after_lending | None | base_2026q3_cash_after_lending |
| /operating_model/outputs/2026Q3:base/metrics/cfo | None | base_2026q3_cfo |
| /operating_model/outputs/2026Q3:base/metrics/credit_cost | None | base_2026q3_credit_cost |
| /operating_model/outputs/2026Q3:base/metrics/interest | None | base_2026q3_interest |
| /operating_model/outputs/2026Q3:base/metrics/loan_investment | None | base_2026q3_loan_investment |
| /operating_model/outputs/2026Q3:base/metrics/net_revenue | None | base_2026q3_net_revenue |
| /operating_model/outputs/2026Q3:base/metrics/operating_income | None | base_2026q3_operating_income |
| /operating_model/outputs/2026Q3:base/metrics/pretax | None | base_2026q3_pretax |
| /operating_model/outputs/2026Q3:base/metrics/revenue | None | base_2026q3_revenue |
| /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/buybacks | None | 50.0 |
| /operating_model/outputs/2026Q3:base/values/capex | None | 13.0 |
| /operating_model/outputs/2026Q3:base/values/cash_after_claims | None | -253.15116100000012 |
| /operating_model/outputs/2026Q3:base/values/cash_after_lending | None | -203.15116100000012 |
| /operating_model/outputs/2026Q3:base/values/cfo | None | 509.8488389999999 |
| /operating_model/outputs/2026Q3:base/values/credit_cost | None | 397.87683749999997 |
| /operating_model/outputs/2026Q3:base/values/interest | None | 103.35 |
| /operating_model/outputs/2026Q3:base/values/loan_investment | None | 700.0 |
| /operating_model/outputs/2026Q3:base/values/net_revenue | None | 605.4706624999999 |
| /operating_model/outputs/2026Q3:base/values/operating_income | None | 246.7342124999999 |
| /operating_model/outputs/2026Q3:base/values/pretax | None | 143.3842124999999 |
| /operating_model/outputs/2026Q3:base/values/revenue | None | 1003.3474999999999 |
| /operating_model/outputs/2026Q3:downside/case | None | downside |
| /operating_model/outputs/2026Q3:downside/frequency | None | quarter |
| /operating_model/outputs/2026Q3:downside/metrics/buybacks | None | downside_2026q3_buybacks |
| /operating_model/outputs/2026Q3:downside/metrics/capex | None | downside_2026q3_capex |
| /operating_model/outputs/2026Q3:downside/metrics/cash_after_claims | None | downside_2026q3_cash_after_claims |
| /operating_model/outputs/2026Q3:downside/metrics/cash_after_lending | None | downside_2026q3_cash_after_lending |
| /operating_model/outputs/2026Q3:downside/metrics/cfo | None | downside_2026q3_cfo |
| /operating_model/outputs/2026Q3:downside/metrics/credit_cost | None | downside_2026q3_credit_cost |
| /operating_model/outputs/2026Q3:downside/metrics/interest | None | downside_2026q3_interest |
| /operating_model/outputs/2026Q3:downside/metrics/loan_investment | None | downside_2026q3_loan_investment |
| /operating_model/outputs/2026Q3:downside/metrics/net_revenue | None | downside_2026q3_net_revenue |
| /operating_model/outputs/2026Q3:downside/metrics/operating_income | None | downside_2026q3_operating_income |
| /operating_model/outputs/2026Q3:downside/metrics/pretax | None | downside_2026q3_pretax |
| /operating_model/outputs/2026Q3:downside/metrics/revenue | None | downside_2026q3_revenue |
| /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/buybacks | None | 50.0 |
| /operating_model/outputs/2026Q3:downside/values/capex | None | 13.0 |
| /operating_model/outputs/2026Q3:downside/values/cash_after_claims | None | -307.6664 |
| /operating_model/outputs/2026Q3:downside/values/cash_after_lending | None | -257.6664 |
| /operating_model/outputs/2026Q3:downside/values/cfo | None | 475.3336 |
| /operating_model/outputs/2026Q3:downside/values/credit_cost | None | 430.64 |
| /operating_model/outputs/2026Q3:downside/values/interest | None | 112.62500000000001 |
| /operating_model/outputs/2026Q3:downside/values/loan_investment | None | 720.0 |
| /operating_model/outputs/2026Q3:downside/values/net_revenue | None | 524.36 |
| /operating_model/outputs/2026Q3:downside/values/operating_income | None | 167.485 |
| /operating_model/outputs/2026Q3:downside/values/pretax | None | 54.86 |
| /operating_model/outputs/2026Q3:downside/values/revenue | None | 955.0 |
| /operating_model/outputs/2026Q3:upside/case | None | upside |
| /operating_model/outputs/2026Q3:upside/frequency | None | quarter |
| /operating_model/outputs/2026Q3:upside/metrics/buybacks | None | upside_2026q3_buybacks |
| /operating_model/outputs/2026Q3:upside/metrics/capex | None | upside_2026q3_capex |
| /operating_model/outputs/2026Q3:upside/metrics/cash_after_claims | None | upside_2026q3_cash_after_claims |
| /operating_model/outputs/2026Q3:upside/metrics/cash_after_lending | None | upside_2026q3_cash_after_lending |
| /operating_model/outputs/2026Q3:upside/metrics/cfo | None | upside_2026q3_cfo |
| /operating_model/outputs/2026Q3:upside/metrics/credit_cost | None | upside_2026q3_credit_cost |
| /operating_model/outputs/2026Q3:upside/metrics/interest | None | upside_2026q3_interest |
| /operating_model/outputs/2026Q3:upside/metrics/loan_investment | None | upside_2026q3_loan_investment |
| /operating_model/outputs/2026Q3:upside/metrics/net_revenue | None | upside_2026q3_net_revenue |
| /operating_model/outputs/2026Q3:upside/metrics/operating_income | None | upside_2026q3_operating_income |
| /operating_model/outputs/2026Q3:upside/metrics/pretax | None | upside_2026q3_pretax |
| /operating_model/outputs/2026Q3:upside/metrics/revenue | None | upside_2026q3_revenue |
| /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/buybacks | None | 50.0 |
| /operating_model/outputs/2026Q3:upside/values/capex | None | 13.0 |
| /operating_model/outputs/2026Q3:upside/values/cash_after_claims | None | -247.96320000000014 |
| /operating_model/outputs/2026Q3:upside/values/cash_after_lending | None | -197.96320000000014 |
| /operating_model/outputs/2026Q3:upside/values/cfo | None | 535.0367999999999 |
| /operating_model/outputs/2026Q3:upside/values/credit_cost | None | 383.79499999999996 |
| /operating_model/outputs/2026Q3:upside/values/interest | None | 98.55 |
| /operating_model/outputs/2026Q3:upside/values/loan_investment | None | 720.0 |
| /operating_model/outputs/2026Q3:upside/values/net_revenue | None | 656.205 |
| /operating_model/outputs/2026Q3:upside/values/operating_income | None | 293.605 |
| /operating_model/outputs/2026Q3:upside/values/pretax | None | 195.055 |
| /operating_model/outputs/2026Q3:upside/values/revenue | None | 1040.0 |
| /operating_model/outputs/2026Q4:base/case | None | base |
| /operating_model/outputs/2026Q4:base/frequency | None | quarter |
| /operating_model/outputs/2026Q4:base/metrics/buybacks | None | base_2026q4_buybacks |
| /operating_model/outputs/2026Q4:base/metrics/capex | None | base_2026q4_capex |
| /operating_model/outputs/2026Q4:base/metrics/cash_after_claims | None | base_2026q4_cash_after_claims |
| /operating_model/outputs/2026Q4:base/metrics/cash_after_lending | None | base_2026q4_cash_after_lending |
| /operating_model/outputs/2026Q4:base/metrics/cfo | None | base_2026q4_cfo |
| /operating_model/outputs/2026Q4:base/metrics/credit_cost | None | base_2026q4_credit_cost |
| /operating_model/outputs/2026Q4:base/metrics/interest | None | base_2026q4_interest |
| /operating_model/outputs/2026Q4:base/metrics/loan_investment | None | base_2026q4_loan_investment |
| /operating_model/outputs/2026Q4:base/metrics/net_revenue | None | base_2026q4_net_revenue |
| /operating_model/outputs/2026Q4:base/metrics/operating_income | None | base_2026q4_operating_income |
| /operating_model/outputs/2026Q4:base/metrics/pretax | None | base_2026q4_pretax |
| /operating_model/outputs/2026Q4:base/metrics/revenue | None | base_2026q4_revenue |
| /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/buybacks | None | 50.0 |
| /operating_model/outputs/2026Q4:base/values/capex | None | 14.0 |
| /operating_model/outputs/2026Q4:base/values/cash_after_claims | None | -289.9738276299995 |
| /operating_model/outputs/2026Q4:base/values/cash_after_lending | None | -239.9738276299995 |
| /operating_model/outputs/2026Q4:base/values/cfo | None | 534.0261723700005 |
| /operating_model/outputs/2026Q4:base/values/credit_cost | None | 417.5158251250003 |
| /operating_model/outputs/2026Q4:base/values/interest | None | 107.7375 |
| /operating_model/outputs/2026Q4:base/values/loan_investment | None | 760.0 |
| /operating_model/outputs/2026Q4:base/values/net_revenue | None | 635.8425998750006 |
| /operating_model/outputs/2026Q4:base/values/operating_income | None | 258.8037463750004 |
| /operating_model/outputs/2026Q4:base/values/pretax | None | 151.0662463750004 |
| /operating_model/outputs/2026Q4:base/values/revenue | None | 1053.3584250000008 |
| /operating_model/outputs/2026Q4:downside/case | None | downside |
| /operating_model/outputs/2026Q4:downside/frequency | None | quarter |
| /operating_model/outputs/2026Q4:downside/metrics/buybacks | None | downside_2026q4_buybacks |
| /operating_model/outputs/2026Q4:downside/metrics/capex | None | downside_2026q4_capex |
| /operating_model/outputs/2026Q4:downside/metrics/cash_after_claims | None | downside_2026q4_cash_after_claims |
| /operating_model/outputs/2026Q4:downside/metrics/cash_after_lending | None | downside_2026q4_cash_after_lending |
| /operating_model/outputs/2026Q4:downside/metrics/cfo | None | downside_2026q4_cfo |
| /operating_model/outputs/2026Q4:downside/metrics/credit_cost | None | downside_2026q4_credit_cost |
| /operating_model/outputs/2026Q4:downside/metrics/interest | None | downside_2026q4_interest |
| /operating_model/outputs/2026Q4:downside/metrics/loan_investment | None | downside_2026q4_loan_investment |
| /operating_model/outputs/2026Q4:downside/metrics/net_revenue | None | downside_2026q4_net_revenue |
| /operating_model/outputs/2026Q4:downside/metrics/operating_income | None | downside_2026q4_operating_income |
| /operating_model/outputs/2026Q4:downside/metrics/pretax | None | downside_2026q4_pretax |
| /operating_model/outputs/2026Q4:downside/metrics/revenue | None | downside_2026q4_revenue |
| /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/buybacks | None | 50.0 |
| /operating_model/outputs/2026Q4:downside/values/capex | None | 14.0 |
| /operating_model/outputs/2026Q4:downside/values/cash_after_claims | None | -277.2597 |
| /operating_model/outputs/2026Q4:downside/values/cash_after_lending | None | -227.2597 |
| /operating_model/outputs/2026Q4:downside/values/cfo | None | 486.7403 |
| /operating_model/outputs/2026Q4:downside/values/credit_cost | None | 443.16999999999996 |
| /operating_model/outputs/2026Q4:downside/values/interest | None | 115.81250000000001 |
| /operating_model/outputs/2026Q4:downside/values/loan_investment | None | 700.0 |
| /operating_model/outputs/2026Q4:downside/values/net_revenue | None | 541.83 |
| /operating_model/outputs/2026Q4:downside/values/operating_income | None | 170.90500000000003 |
| /operating_model/outputs/2026Q4:downside/values/pretax | None | 55.092500000000015 |
| /operating_model/outputs/2026Q4:downside/values/revenue | None | 985.0 |
| /operating_model/outputs/2026Q4:upside/case | None | upside |
| /operating_model/outputs/2026Q4:upside/frequency | None | quarter |
| /operating_model/outputs/2026Q4:upside/metrics/buybacks | None | upside_2026q4_buybacks |
| /operating_model/outputs/2026Q4:upside/metrics/capex | None | upside_2026q4_capex |
| /operating_model/outputs/2026Q4:upside/metrics/cash_after_claims | None | upside_2026q4_cash_after_claims |
| /operating_model/outputs/2026Q4:upside/metrics/cash_after_lending | None | upside_2026q4_cash_after_lending |
| /operating_model/outputs/2026Q4:upside/metrics/cfo | None | upside_2026q4_cfo |
| /operating_model/outputs/2026Q4:upside/metrics/credit_cost | None | upside_2026q4_credit_cost |
| /operating_model/outputs/2026Q4:upside/metrics/interest | None | upside_2026q4_interest |
| /operating_model/outputs/2026Q4:upside/metrics/loan_investment | None | upside_2026q4_loan_investment |
| /operating_model/outputs/2026Q4:upside/metrics/net_revenue | None | upside_2026q4_net_revenue |
| /operating_model/outputs/2026Q4:upside/metrics/operating_income | None | upside_2026q4_operating_income |
| /operating_model/outputs/2026Q4:upside/metrics/pretax | None | upside_2026q4_pretax |
| /operating_model/outputs/2026Q4:upside/metrics/revenue | None | upside_2026q4_revenue |
| /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/buybacks | None | 50.0 |
| /operating_model/outputs/2026Q4:upside/values/capex | None | 14.0 |
| /operating_model/outputs/2026Q4:upside/values/cash_after_claims | None | -272.37935000000004 |
| /operating_model/outputs/2026Q4:upside/values/cash_after_lending | None | -222.37935000000004 |
| /operating_model/outputs/2026Q4:upside/values/cfo | None | 571.62065 |
| /operating_model/outputs/2026Q4:upside/values/credit_cost | None | 409.53499999999997 |
| /operating_model/outputs/2026Q4:upside/values/interest | None | 104.48124999999999 |
| /operating_model/outputs/2026Q4:upside/values/loan_investment | None | 780.0 |
| /operating_model/outputs/2026Q4:upside/values/net_revenue | None | 700.465 |
| /operating_model/outputs/2026Q4:upside/values/operating_income | None | 315.51500000000004 |
| /operating_model/outputs/2026Q4:upside/values/pretax | None | 211.03375000000005 |
| /operating_model/outputs/2026Q4:upside/values/revenue | None | 1110.0 |
| /operating_model/outputs/2027Q1:base/case | None | base |
| /operating_model/outputs/2027Q1:base/frequency | None | quarter |
| /operating_model/outputs/2027Q1:base/metrics/buybacks | None | base_2027q1_buybacks |
| /operating_model/outputs/2027Q1:base/metrics/capex | None | base_2027q1_capex |
| /operating_model/outputs/2027Q1:base/metrics/cash_after_claims | None | base_2027q1_cash_after_claims |
| /operating_model/outputs/2027Q1:base/metrics/cash_after_lending | None | base_2027q1_cash_after_lending |
| /operating_model/outputs/2027Q1:base/metrics/cfo | None | base_2027q1_cfo |
| /operating_model/outputs/2027Q1:base/metrics/credit_cost | None | base_2027q1_credit_cost |
| /operating_model/outputs/2027Q1:base/metrics/interest | None | base_2027q1_interest |
| /operating_model/outputs/2027Q1:base/metrics/loan_investment | None | base_2027q1_loan_investment |
| /operating_model/outputs/2027Q1:base/metrics/net_revenue | None | base_2027q1_net_revenue |
| /operating_model/outputs/2027Q1:base/metrics/operating_income | None | base_2027q1_operating_income |
| /operating_model/outputs/2027Q1:base/metrics/pretax | None | base_2027q1_pretax |
| /operating_model/outputs/2027Q1:base/metrics/revenue | None | base_2027q1_revenue |
| /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/buybacks | None | 35.0 |
| /operating_model/outputs/2027Q1:base/values/capex | None | 15.0 |
| /operating_model/outputs/2027Q1:base/values/cash_after_claims | None | -201.1450000000001 |
| /operating_model/outputs/2027Q1:base/values/cash_after_lending | None | -166.1450000000001 |
| /operating_model/outputs/2027Q1:base/values/cfo | None | 548.8549999999999 |
| /operating_model/outputs/2027Q1:base/values/credit_cost | None | 431.225 |
| /operating_model/outputs/2027Q1:base/values/interest | None | 112.125 |
| /operating_model/outputs/2027Q1:base/values/loan_investment | None | 700.0 |
| /operating_model/outputs/2027Q1:base/values/net_revenue | None | 658.775 |
| /operating_model/outputs/2027Q1:base/values/operating_income | None | 266.37499999999994 |
| /operating_model/outputs/2027Q1:base/values/pretax | None | 154.24999999999994 |
| /operating_model/outputs/2027Q1:base/values/revenue | None | 1090.0 |
| /operating_model/outputs/2027Q1:downside/case | None | downside |
| /operating_model/outputs/2027Q1:downside/frequency | None | quarter |
| /operating_model/outputs/2027Q1:downside/metrics/buybacks | None | downside_2027q1_buybacks |
| /operating_model/outputs/2027Q1:downside/metrics/capex | None | downside_2027q1_capex |
| /operating_model/outputs/2027Q1:downside/metrics/cash_after_claims | None | downside_2027q1_cash_after_claims |
| /operating_model/outputs/2027Q1:downside/metrics/cash_after_lending | None | downside_2027q1_cash_after_lending |
| /operating_model/outputs/2027Q1:downside/metrics/cfo | None | downside_2027q1_cfo |
| /operating_model/outputs/2027Q1:downside/metrics/credit_cost | None | downside_2027q1_credit_cost |
| /operating_model/outputs/2027Q1:downside/metrics/interest | None | downside_2027q1_interest |
| /operating_model/outputs/2027Q1:downside/metrics/loan_investment | None | downside_2027q1_loan_investment |
| /operating_model/outputs/2027Q1:downside/metrics/net_revenue | None | downside_2027q1_net_revenue |
| /operating_model/outputs/2027Q1:downside/metrics/operating_income | None | downside_2027q1_operating_income |
| /operating_model/outputs/2027Q1:downside/metrics/pretax | None | downside_2027q1_pretax |
| /operating_model/outputs/2027Q1:downside/metrics/revenue | None | downside_2027q1_revenue |
| /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/buybacks | None | 35.0 |
| /operating_model/outputs/2027Q1:downside/values/capex | None | 15.0 |
| /operating_model/outputs/2027Q1:downside/values/cash_after_claims | None | -165.44050000000004 |
| /operating_model/outputs/2027Q1:downside/values/cash_after_lending | None | -130.44050000000004 |
| /operating_model/outputs/2027Q1:downside/values/cfo | None | 474.55949999999996 |
| /operating_model/outputs/2027Q1:downside/values/credit_cost | None | 439.95 |
| /operating_model/outputs/2027Q1:downside/values/interest | None | 117.93750000000001 |
| /operating_model/outputs/2027Q1:downside/values/loan_investment | None | 590.0 |
| /operating_model/outputs/2027Q1:downside/values/net_revenue | None | 540.05 |
| /operating_model/outputs/2027Q1:downside/values/operating_income | None | 162.94999999999993 |
| /operating_model/outputs/2027Q1:downside/values/pretax | None | 45.01249999999992 |
| /operating_model/outputs/2027Q1:downside/values/revenue | None | 980.0 |
| /operating_model/outputs/2027Q1:upside/case | None | upside |
| /operating_model/outputs/2027Q1:upside/frequency | None | quarter |
| /operating_model/outputs/2027Q1:upside/metrics/buybacks | None | upside_2027q1_buybacks |
| /operating_model/outputs/2027Q1:upside/metrics/capex | None | upside_2027q1_capex |
| /operating_model/outputs/2027Q1:upside/metrics/cash_after_claims | None | upside_2027q1_cash_after_claims |
| /operating_model/outputs/2027Q1:upside/metrics/cash_after_lending | None | upside_2027q1_cash_after_lending |
| /operating_model/outputs/2027Q1:upside/metrics/cfo | None | upside_2027q1_cfo |
| /operating_model/outputs/2027Q1:upside/metrics/credit_cost | None | upside_2027q1_credit_cost |
| /operating_model/outputs/2027Q1:upside/metrics/interest | None | upside_2027q1_interest |
| /operating_model/outputs/2027Q1:upside/metrics/loan_investment | None | upside_2027q1_loan_investment |
| /operating_model/outputs/2027Q1:upside/metrics/net_revenue | None | upside_2027q1_net_revenue |
| /operating_model/outputs/2027Q1:upside/metrics/operating_income | None | upside_2027q1_operating_income |
| /operating_model/outputs/2027Q1:upside/metrics/pretax | None | upside_2027q1_pretax |
| /operating_model/outputs/2027Q1:upside/metrics/revenue | None | upside_2027q1_revenue |
| /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/buybacks | None | 35.0 |
| /operating_model/outputs/2027Q1:upside/values/capex | None | 15.0 |
| /operating_model/outputs/2027Q1:upside/values/cash_after_claims | None | -205.89900000000011 |
| /operating_model/outputs/2027Q1:upside/values/cash_after_lending | None | -170.89900000000011 |
| /operating_model/outputs/2027Q1:upside/values/cfo | None | 614.1009999999999 |
| /operating_model/outputs/2027Q1:upside/values/credit_cost | None | 437.875 |
| /operating_model/outputs/2027Q1:upside/values/interest | None | 111.32499999999999 |
| /operating_model/outputs/2027Q1:upside/values/loan_investment | None | 770.0 |
| /operating_model/outputs/2027Q1:upside/values/net_revenue | None | 752.125 |
| /operating_model/outputs/2027Q1:upside/values/operating_income | None | 342.67499999999995 |
| /operating_model/outputs/2027Q1:upside/values/pretax | None | 231.34999999999997 |
| /operating_model/outputs/2027Q1:upside/values/revenue | None | 1190.0 |
| /operating_model/outputs/2027Q2:base/case | None | base |
| /operating_model/outputs/2027Q2:base/frequency | None | quarter |
| /operating_model/outputs/2027Q2:base/metrics/buybacks | None | base_2027q2_buybacks |
| /operating_model/outputs/2027Q2:base/metrics/capex | None | base_2027q2_capex |
| /operating_model/outputs/2027Q2:base/metrics/cash_after_claims | None | base_2027q2_cash_after_claims |
| /operating_model/outputs/2027Q2:base/metrics/cash_after_lending | None | base_2027q2_cash_after_lending |
| /operating_model/outputs/2027Q2:base/metrics/cfo | None | base_2027q2_cfo |
| /operating_model/outputs/2027Q2:base/metrics/credit_cost | None | base_2027q2_credit_cost |
| /operating_model/outputs/2027Q2:base/metrics/interest | None | base_2027q2_interest |
| /operating_model/outputs/2027Q2:base/metrics/loan_investment | None | base_2027q2_loan_investment |
| /operating_model/outputs/2027Q2:base/metrics/net_revenue | None | base_2027q2_net_revenue |
| /operating_model/outputs/2027Q2:base/metrics/operating_income | None | base_2027q2_operating_income |
| /operating_model/outputs/2027Q2:base/metrics/pretax | None | base_2027q2_pretax |
| /operating_model/outputs/2027Q2:base/metrics/revenue | None | base_2027q2_revenue |
| /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/buybacks | None | 35.0 |
| /operating_model/outputs/2027Q2:base/values/capex | None | 16.0 |
| /operating_model/outputs/2027Q2:base/values/cash_after_claims | None | -224.94359999999995 |
| /operating_model/outputs/2027Q2:base/values/cash_after_lending | None | -189.94359999999995 |
| /operating_model/outputs/2027Q2:base/values/cfo | None | 576.0564 |
| /operating_model/outputs/2027Q2:base/values/credit_cost | None | 452.685 |
| /operating_model/outputs/2027Q2:base/values/interest | None | 117.0 |
| /operating_model/outputs/2027Q2:base/values/loan_investment | None | 750.0 |
| /operating_model/outputs/2027Q2:base/values/net_revenue | None | 692.315 |
| /operating_model/outputs/2027Q2:base/values/operating_income | None | 280.5150000000001 |
| /operating_model/outputs/2027Q2:base/values/pretax | None | 163.5150000000001 |
| /operating_model/outputs/2027Q2:base/values/revenue | None | 1145.0 |
| /operating_model/outputs/2027Q2:downside/case | None | downside |
| /operating_model/outputs/2027Q2:downside/frequency | None | quarter |
| /operating_model/outputs/2027Q2:downside/metrics/buybacks | None | downside_2027q2_buybacks |
| /operating_model/outputs/2027Q2:downside/metrics/capex | None | downside_2027q2_capex |
| /operating_model/outputs/2027Q2:downside/metrics/cash_after_claims | None | downside_2027q2_cash_after_claims |
| /operating_model/outputs/2027Q2:downside/metrics/cash_after_lending | None | downside_2027q2_cash_after_lending |
| /operating_model/outputs/2027Q2:downside/metrics/cfo | None | downside_2027q2_cfo |
| /operating_model/outputs/2027Q2:downside/metrics/credit_cost | None | downside_2027q2_credit_cost |
| /operating_model/outputs/2027Q2:downside/metrics/interest | None | downside_2027q2_interest |
| /operating_model/outputs/2027Q2:downside/metrics/loan_investment | None | downside_2027q2_loan_investment |
| /operating_model/outputs/2027Q2:downside/metrics/net_revenue | None | downside_2027q2_net_revenue |
| /operating_model/outputs/2027Q2:downside/metrics/operating_income | None | downside_2027q2_operating_income |
| /operating_model/outputs/2027Q2:downside/metrics/pretax | None | downside_2027q2_pretax |
| /operating_model/outputs/2027Q2:downside/metrics/revenue | None | downside_2027q2_revenue |
| /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/buybacks | None | 35.0 |
| /operating_model/outputs/2027Q2:downside/values/capex | None | 16.0 |
| /operating_model/outputs/2027Q2:downside/values/cash_after_claims | None | -207.96779999999995 |
| /operating_model/outputs/2027Q2:downside/values/cash_after_lending | None | -172.96779999999995 |
| /operating_model/outputs/2027Q2:downside/values/cfo | None | 493.03220000000005 |
| /operating_model/outputs/2027Q2:downside/values/credit_cost | None | 457.38 |
| /operating_model/outputs/2027Q2:downside/values/interest | None | 121.12500000000001 |
| /operating_model/outputs/2027Q2:downside/values/loan_investment | None | 650.0 |
| /operating_model/outputs/2027Q2:downside/values/net_revenue | None | 562.62 |
| /operating_model/outputs/2027Q2:downside/values/operating_income | None | 169.22000000000003 |
| /operating_model/outputs/2027Q2:downside/values/pretax | None | 48.09500000000001 |
| /operating_model/outputs/2027Q2:downside/values/revenue | None | 1020.0 |
| /operating_model/outputs/2027Q2:upside/case | None | upside |
| /operating_model/outputs/2027Q2:upside/frequency | None | quarter |
| /operating_model/outputs/2027Q2:upside/metrics/buybacks | None | upside_2027q2_buybacks |
| /operating_model/outputs/2027Q2:upside/metrics/capex | None | upside_2027q2_capex |
| /operating_model/outputs/2027Q2:upside/metrics/cash_after_claims | None | upside_2027q2_cash_after_claims |
| /operating_model/outputs/2027Q2:upside/metrics/cash_after_lending | None | upside_2027q2_cash_after_lending |
| /operating_model/outputs/2027Q2:upside/metrics/cfo | None | upside_2027q2_cfo |
| /operating_model/outputs/2027Q2:upside/metrics/credit_cost | None | upside_2027q2_credit_cost |
| /operating_model/outputs/2027Q2:upside/metrics/interest | None | upside_2027q2_interest |
| /operating_model/outputs/2027Q2:upside/metrics/loan_investment | None | upside_2027q2_loan_investment |
| /operating_model/outputs/2027Q2:upside/metrics/net_revenue | None | upside_2027q2_net_revenue |
| /operating_model/outputs/2027Q2:upside/metrics/operating_income | None | upside_2027q2_operating_income |
| /operating_model/outputs/2027Q2:upside/metrics/pretax | None | upside_2027q2_pretax |
| /operating_model/outputs/2027Q2:upside/metrics/revenue | None | upside_2027q2_revenue |
| /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/buybacks | None | 35.0 |
| /operating_model/outputs/2027Q2:upside/values/capex | None | 16.0 |
| /operating_model/outputs/2027Q2:upside/values/cash_after_claims | None | -228.16214999999988 |
| /operating_model/outputs/2027Q2:upside/values/cash_after_lending | None | -193.16214999999988 |
| /operating_model/outputs/2027Q2:upside/values/cfo | None | 662.8378500000001 |
| /operating_model/outputs/2027Q2:upside/values/credit_cost | None | 470.31500000000005 |
| /operating_model/outputs/2027Q2:upside/values/interest | None | 119.08125 |
| /operating_model/outputs/2027Q2:upside/values/loan_investment | None | 840.0 |
| /operating_model/outputs/2027Q2:upside/values/net_revenue | None | 809.685 |
| /operating_model/outputs/2027Q2:upside/values/operating_income | None | 373.585 |
| /operating_model/outputs/2027Q2:upside/values/pretax | None | 254.50374999999997 |
| /operating_model/outputs/2027Q2:upside/values/revenue | None | 1280.0 |
| /operating_model/outputs/FY2026:base/case | None | base |
| /operating_model/outputs/FY2026:base/frequency | None | year |
| /operating_model/outputs/FY2026:base/metrics/buybacks | None | base_fy2026_buybacks |
| /operating_model/outputs/FY2026:base/metrics/capex | None | base_fy2026_capex |
| /operating_model/outputs/FY2026:base/metrics/cash_after_claims | None | base_fy2026_cash_after_claims |
| /operating_model/outputs/FY2026:base/metrics/cash_after_lending | None | base_fy2026_cash_after_lending |
| /operating_model/outputs/FY2026:base/metrics/cfo | None | base_fy2026_cfo |
| /operating_model/outputs/FY2026:base/metrics/credit_cost | None | base_fy2026_credit_cost |
| /operating_model/outputs/FY2026:base/metrics/interest | None | base_fy2026_interest |
| /operating_model/outputs/FY2026:base/metrics/loan_investment | None | base_fy2026_loan_investment |
| /operating_model/outputs/FY2026:base/metrics/net_revenue | None | base_fy2026_net_revenue |
| /operating_model/outputs/FY2026:base/metrics/operating_income | None | base_fy2026_operating_income |
| /operating_model/outputs/FY2026:base/metrics/pretax | None | base_fy2026_pretax |
| /operating_model/outputs/FY2026:base/metrics/revenue | None | base_fy2026_revenue |
| /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/buybacks | None | 159.37 |
| /operating_model/outputs/FY2026:base/values/capex | None | 50.364999999999995 |
| /operating_model/outputs/FY2026:base/values/cash_after_claims | None | -995.2589886299996 |
| /operating_model/outputs/FY2026:base/values/cash_after_lending | None | -835.8889886299996 |
| /operating_model/outputs/FY2026:base/values/cfo | None | 2062.4490113700003 |
| /operating_model/outputs/FY2026:base/values/credit_cost | None | 1522.436662625 |
| /operating_model/outputs/FY2026:base/values/interest | None | 402.9515 |
| /operating_model/outputs/FY2026:base/values/loan_investment | None | 2847.973 |
| /operating_model/outputs/FY2026:base/values/net_revenue | None | 2338.3382623750003 |
| /operating_model/outputs/FY2026:base/values/operating_income | None | 949.7909588750003 |
| /operating_model/outputs/FY2026:base/values/pretax | None | 547.4224588750003 |
| /operating_model/outputs/FY2026:base/values/revenue | None | 3860.7749250000006 |
| /operating_model/outputs/FY2026:downside/case | None | downside |
| /operating_model/outputs/FY2026:downside/frequency | None | year |
| /operating_model/outputs/FY2026:downside/metrics/buybacks | None | downside_fy2026_buybacks |
| /operating_model/outputs/FY2026:downside/metrics/capex | None | downside_fy2026_capex |
| /operating_model/outputs/FY2026:downside/metrics/cash_after_claims | None | downside_fy2026_cash_after_claims |
| /operating_model/outputs/FY2026:downside/metrics/cash_after_lending | None | downside_fy2026_cash_after_lending |
| /operating_model/outputs/FY2026:downside/metrics/cfo | None | downside_fy2026_cfo |
| /operating_model/outputs/FY2026:downside/metrics/credit_cost | None | downside_fy2026_credit_cost |
| /operating_model/outputs/FY2026:downside/metrics/interest | None | downside_fy2026_interest |
| /operating_model/outputs/FY2026:downside/metrics/loan_investment | None | downside_fy2026_loan_investment |
| /operating_model/outputs/FY2026:downside/metrics/net_revenue | None | downside_fy2026_net_revenue |
| /operating_model/outputs/FY2026:downside/metrics/operating_income | None | downside_fy2026_operating_income |
| /operating_model/outputs/FY2026:downside/metrics/pretax | None | downside_fy2026_pretax |
| /operating_model/outputs/FY2026:downside/metrics/revenue | None | downside_fy2026_revenue |
| /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/buybacks | None | 159.37 |
| /operating_model/outputs/FY2026:downside/values/capex | None | 50.364999999999995 |
| /operating_model/outputs/FY2026:downside/values/cash_after_claims | None | -1037.0601000000001 |
| /operating_model/outputs/FY2026:downside/values/cash_after_lending | None | -877.6901 |
| /operating_model/outputs/FY2026:downside/values/cfo | None | 1980.6479 |
| /operating_model/outputs/FY2026:downside/values/credit_cost | None | 1580.8539999999998 |
| /operating_model/outputs/FY2026:downside/values/interest | None | 420.30150000000003 |
| /operating_model/outputs/FY2026:downside/values/loan_investment | None | 2807.973 |
| /operating_model/outputs/FY2026:downside/values/net_revenue | None | 2163.215 |
| /operating_model/outputs/FY2026:downside/values/operating_income | None | 782.643 |
| /operating_model/outputs/FY2026:downside/values/pretax | None | 362.9245 |
| /operating_model/outputs/FY2026:downside/values/revenue | None | 3744.069 |
| /operating_model/outputs/FY2026:upside/case | None | upside |
| /operating_model/outputs/FY2026:upside/frequency | None | year |
| /operating_model/outputs/FY2026:upside/metrics/buybacks | None | upside_fy2026_buybacks |
| /operating_model/outputs/FY2026:upside/metrics/capex | None | upside_fy2026_capex |
| /operating_model/outputs/FY2026:upside/metrics/cash_after_claims | None | upside_fy2026_cash_after_claims |
| /operating_model/outputs/FY2026:upside/metrics/cash_after_lending | None | upside_fy2026_cash_after_lending |
| /operating_model/outputs/FY2026:upside/metrics/cfo | None | upside_fy2026_cfo |
| /operating_model/outputs/FY2026:upside/metrics/credit_cost | None | upside_fy2026_credit_cost |
| /operating_model/outputs/FY2026:upside/metrics/interest | None | upside_fy2026_interest |
| /operating_model/outputs/FY2026:upside/metrics/loan_investment | None | upside_fy2026_loan_investment |
| /operating_model/outputs/FY2026:upside/metrics/net_revenue | None | upside_fy2026_net_revenue |
| /operating_model/outputs/FY2026:upside/metrics/operating_income | None | upside_fy2026_operating_income |
| /operating_model/outputs/FY2026:upside/metrics/pretax | None | upside_fy2026_pretax |
| /operating_model/outputs/FY2026:upside/metrics/revenue | None | upside_fy2026_revenue |
| /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/buybacks | None | 159.37 |
| /operating_model/outputs/FY2026:upside/values/capex | None | 50.364999999999995 |
| /operating_model/outputs/FY2026:upside/values/cash_after_claims | None | -972.4765500000002 |
| /operating_model/outputs/FY2026:upside/values/cash_after_lending | None | -813.1065500000002 |
| /operating_model/outputs/FY2026:upside/values/cfo | None | 2125.2314499999998 |
| /operating_model/outputs/FY2026:upside/values/credit_cost | None | 1500.3739999999998 |
| /operating_model/outputs/FY2026:upside/values/interest | None | 394.89525 |
| /operating_model/outputs/FY2026:upside/values/loan_investment | None | 2887.973 |
| /operating_model/outputs/FY2026:upside/values/net_revenue | None | 2453.695 |
| /operating_model/outputs/FY2026:upside/values/operating_income | None | 1053.373 |
| /operating_model/outputs/FY2026:upside/values/pretax | None | 659.0607500000001 |
| /operating_model/outputs/FY2026:upside/values/revenue | None | 3954.069 |
| /operating_model/outputs/FY2027:base/case | None | base |
| /operating_model/outputs/FY2027:base/frequency | None | year |
| /operating_model/outputs/FY2027:base/metrics/buybacks | None | base_fy2027_buybacks |
| /operating_model/outputs/FY2027:base/metrics/capex | None | base_fy2027_capex |
| /operating_model/outputs/FY2027:base/metrics/cash_after_claims | None | base_fy2027_cash_after_claims |
| /operating_model/outputs/FY2027:base/metrics/cash_after_lending | None | base_fy2027_cash_after_lending |
| /operating_model/outputs/FY2027:base/metrics/cfo | None | base_fy2027_cfo |
| /operating_model/outputs/FY2027:base/metrics/credit_cost | None | base_fy2027_credit_cost |
| /operating_model/outputs/FY2027:base/metrics/interest | None | base_fy2027_interest |
| /operating_model/outputs/FY2027:base/metrics/loan_investment | None | base_fy2027_loan_investment |
| /operating_model/outputs/FY2027:base/metrics/net_revenue | None | base_fy2027_net_revenue |
| /operating_model/outputs/FY2027:base/metrics/operating_income | None | base_fy2027_operating_income |
| /operating_model/outputs/FY2027:base/metrics/pretax | None | base_fy2027_pretax |
| /operating_model/outputs/FY2027:base/metrics/revenue | None | base_fy2027_revenue |
| /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/buybacks | None | 140.0 |
| /operating_model/outputs/FY2027:base/values/capex | None | 66.0 |
| /operating_model/outputs/FY2027:base/values/cash_after_claims | None | -895.4031 |
| /operating_model/outputs/FY2027:base/values/cash_after_lending | None | -755.4031 |
| /operating_model/outputs/FY2027:base/values/cfo | None | 2400.5969 |
| /operating_model/outputs/FY2027:base/values/credit_cost | None | 1878.7849999999999 |
| /operating_model/outputs/FY2027:base/values/interest | None | 481.1625 |
| /operating_model/outputs/FY2027:base/values/loan_investment | None | 3090.0 |
| /operating_model/outputs/FY2027:base/values/net_revenue | None | 2876.215 |
| /operating_model/outputs/FY2027:base/values/operating_income | None | 1175.9150000000002 |
| /operating_model/outputs/FY2027:base/values/pretax | None | 694.7525 |
| /operating_model/outputs/FY2027:base/values/revenue | None | 4755.0 |
| /operating_model/outputs/FY2027:downside/case | None | downside |
| /operating_model/outputs/FY2027:downside/frequency | None | year |
| /operating_model/outputs/FY2027:downside/metrics/buybacks | None | downside_fy2027_buybacks |
| /operating_model/outputs/FY2027:downside/metrics/capex | None | downside_fy2027_capex |
| /operating_model/outputs/FY2027:downside/metrics/cash_after_claims | None | downside_fy2027_cash_after_claims |
| /operating_model/outputs/FY2027:downside/metrics/cash_after_lending | None | downside_fy2027_cash_after_lending |
| /operating_model/outputs/FY2027:downside/metrics/cfo | None | downside_fy2027_cfo |
| /operating_model/outputs/FY2027:downside/metrics/credit_cost | None | downside_fy2027_credit_cost |
| /operating_model/outputs/FY2027:downside/metrics/interest | None | downside_fy2027_interest |
| /operating_model/outputs/FY2027:downside/metrics/loan_investment | None | downside_fy2027_loan_investment |
| /operating_model/outputs/FY2027:downside/metrics/net_revenue | None | downside_fy2027_net_revenue |
| /operating_model/outputs/FY2027:downside/metrics/operating_income | None | downside_fy2027_operating_income |
| /operating_model/outputs/FY2027:downside/metrics/pretax | None | downside_fy2027_pretax |
| /operating_model/outputs/FY2027:downside/metrics/revenue | None | downside_fy2027_revenue |
| /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/buybacks | None | 140.0 |
| /operating_model/outputs/FY2027:downside/values/capex | None | 66.0 |
| /operating_model/outputs/FY2027:downside/values/cash_after_claims | None | -991.3068 |
| /operating_model/outputs/FY2027:downside/values/cash_after_lending | None | -851.3068 |
| /operating_model/outputs/FY2027:downside/values/cfo | None | 2014.6932000000002 |
| /operating_model/outputs/FY2027:downside/values/credit_cost | None | 1869.98 |
| /operating_model/outputs/FY2027:downside/values/interest | None | 493.00000000000006 |
| /operating_model/outputs/FY2027:downside/values/loan_investment | None | 2800.0 |
| /operating_model/outputs/FY2027:downside/values/net_revenue | None | 2300.02 |
| /operating_model/outputs/FY2027:downside/values/operating_income | None | 691.5699999999999 |
| /operating_model/outputs/FY2027:downside/values/pretax | None | 198.56999999999994 |
| /operating_model/outputs/FY2027:downside/values/revenue | None | 4170.0 |
| /operating_model/outputs/FY2027:upside/case | None | upside |
| /operating_model/outputs/FY2027:upside/frequency | None | year |
| /operating_model/outputs/FY2027:upside/metrics/buybacks | None | upside_fy2027_buybacks |
| /operating_model/outputs/FY2027:upside/metrics/capex | None | upside_fy2027_capex |
| /operating_model/outputs/FY2027:upside/metrics/cash_after_claims | None | upside_fy2027_cash_after_claims |
| /operating_model/outputs/FY2027:upside/metrics/cash_after_lending | None | upside_fy2027_cash_after_lending |
| /operating_model/outputs/FY2027:upside/metrics/cfo | None | upside_fy2027_cfo |
| /operating_model/outputs/FY2027:upside/metrics/credit_cost | None | upside_fy2027_credit_cost |
| /operating_model/outputs/FY2027:upside/metrics/interest | None | upside_fy2027_interest |
| /operating_model/outputs/FY2027:upside/metrics/loan_investment | None | upside_fy2027_loan_investment |
| /operating_model/outputs/FY2027:upside/metrics/net_revenue | None | upside_fy2027_net_revenue |
| /operating_model/outputs/FY2027:upside/metrics/operating_income | None | upside_fy2027_operating_income |
| /operating_model/outputs/FY2027:upside/metrics/pretax | None | upside_fy2027_pretax |
| /operating_model/outputs/FY2027:upside/metrics/revenue | None | upside_fy2027_revenue |
| /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/buybacks | None | 140.0 |
| /operating_model/outputs/FY2027:upside/values/capex | None | 66.0 |
| /operating_model/outputs/FY2027:upside/values/cash_after_claims | None | -904.29865 |
| /operating_model/outputs/FY2027:upside/values/cash_after_lending | None | -764.29865 |
| /operating_model/outputs/FY2027:upside/values/cfo | None | 2801.7013500000003 |
| /operating_model/outputs/FY2027:upside/values/credit_cost | None | 1974.815 |
| /operating_model/outputs/FY2027:upside/values/interest | None | 494.11875 |
| /operating_model/outputs/FY2027:upside/values/loan_investment | None | 3500.0 |
| /operating_model/outputs/FY2027:upside/values/net_revenue | None | 3405.1850000000004 |
| /operating_model/outputs/FY2027:upside/values/operating_income | None | 1590.2849999999999 |
| /operating_model/outputs/FY2027:upside/values/pretax | None | 1096.16625 |
| /operating_model/outputs/FY2027:upside/values/revenue | None | 5380.0 |
| /operating_model/reviewed_at | None | 2026-09-19 |
| /operating_model/schema_version | None | operating_model.v1 |
| /operating_model/title | None | Credit revenue and fair-value margins versus portfolio cash funding |
| /research/change_note | None | Added product credit scenarios and cash loan-funding bridge; incorporated September bank-application withdrawal and funding updates. |
| /research/checkpoints/0/date_status | None | estimated |
| /research/checkpoints/0/event | None | Credit and collections |
| /research/checkpoints/0/timing | None | Next quarterly filing |
| /research/checkpoints/0/watch | None | Reconcile product credit margins with cash principal receipts and noncash renewals. |
| /research/checkpoints/1/date_status | None | estimated |
| /research/checkpoints/1/event | None | Planned OnDeck financing |
| /research/checkpoints/1/timing | None | Anticipated September 25, 2026 |
| /research/checkpoints/1/watch | None | Confirm actual closing and collateral/funding terms; no proceeds assumed today. |
| /research/checkpoints/2/date_status | None | estimated |
| /research/checkpoints/2/event | None | Capital allocation |
| /research/checkpoints/2/timing | None | Each subsequent filing |
| /research/checkpoints/2/watch | None | Check covenant availability, actual repurchases and funded debt after application withdrawal. |
| /research/countercase | None | Credit marks and marketing can absorb growth while principal collections lag cash originations. More borrowing and restricted collateral may be needed even when reported earnings and CFO are positive. |
| /research/economics | None | H1 revenue was $1.804B; $707.0M fair-value expense left $1.097B net revenue. Operating income was $444.3M and net interest expense $191.9M. CFO of $1.019B preceded $1.388B net cash loan investment and $23.4M capex/software, leaving negative $392.8M before repurchases and financing. June cash was $122.2M plus separately restricted cash $343.0M. Loans had $5.351B principal and $6.173B fair value. On September 14 Enova withdrew Grasshopper-related regulatory applications while reaffirming revenue growth outlook of roughly 25% for Q3 and 20-25% for 2026. September facilities and a planned OnDeck securitization concern collateral funding, not operating revenue. Buyback authorization and covenant availability are separate constraints. |
| /research/limitations/0 | None | Enova withdrew the OCC/Federal Reserve applications for the proposed Grasshopper transaction in September. No closing, deposit funding or acquisition synergy is assumed. Withdrawal is not modeled as a completed acquisition. |
| /research/limitations/1 | None | Fair-value expense includes credit economics and changes in valuation assumptions; it is not interchangeable with charge-offs or a cash payment. Consumer and small-business loss sensitivities are not forecasts of specific loan cohorts. |
| /research/limitations/2 | None | Loan-roll-forward repayments include interest and noncash renewals. Cash investing uses cash originations and principal repayments from the cash-flow statement, not those incompatible roll-forward totals. |
| /research/limitations/3 | None | Cash after lending excludes new borrowing, refinancing, asset transfers and collateral reserve changes. It is a funding need/surplus before financing, not a parent liquidity or distributable cash forecast. |
| /research/limitations/4 | None | September facility amendments and the anticipated September 25 OnDeck securitization are funding capacity/plans, not cash earned. No proceeds from the planned transaction are assumed received as of September 19. |
| /research/limitations/5 | None | The June $349M board buyback authorization exceeded the $218M then available under senior-note covenants. Desk H2 buybacks total $100M; availability and covenant tests must be checked again before an actual repurchase. |
| /research/limitations/6 | None | The model does not forecast adjusted EPS or buyback-driven share counts. Management reaffirmed adjusted-EPS growth outlook separately; revenue calibration does not imply a full reconciliation to that earnings guide. |
| /research/limitations/7 | None | September OnDeck performance data covers a defined serviced subset including owned and sold assets. It is not applied as the credit curve for all consolidated loans. No complete loan-vintage, capital or debt-amortization waterfall is provided. |
| /research/question | None | Can lending growth earn an adequate spread after credit costs while funding its own portfolio expansion? |
| /research/reviewed_at | None | 2026-09-19 |
| /research/risks/0 | None | Consumer and small-business defaults can worsen at different speeds. |
| /research/risks/1 | None | Fair-value estimates can change before realized charge-offs. |
| /research/risks/2 | None | Funding costs, advance rates and collateral covenants constrain growth. |
| /research/risks/3 | None | Repurchases compete with loan funding and debt obligations. |
| /research/risks/4 | None | Planned securitizations may close on different terms or timing. |
| /research/title | None | Credit earnings versus cash committed to the loan book |
| /sources/0/retrieved | None | 2026-09-19 |
| /sources/0/title | None | Q2 financials, cash loans, debt and covenant capacity |
| /sources/0/url | None | https://www.sec.gov/Archives/edgar/data/1529864/000119312526314590/enva-20260630.htm |
| /sources/1/retrieved | None | 2026-09-19 |
| /sources/1/title | None | Q2 results and product metrics |
| /sources/1/url | None | https://www.sec.gov/Archives/edgar/data/1529864/000119312526314134/enva-ex99_1.htm |
| /sources/2/retrieved | None | 2026-09-19 |
| /sources/2/title | None | September 14 application withdrawal and reaffirmed outlook |
| /sources/2/url | None | https://www.sec.gov/Archives/edgar/data/1529864/000119312526390599/enva-ex99_1.htm |
| /sources/3/retrieved | None | 2026-09-19 |
| /sources/3/title | None | September 17 HWCR facility amendment |
| /sources/3/url | None | https://www.sec.gov/Archives/edgar/data/1529864/000119312526394356/enva-20260917.htm |
| /sources/4/retrieved | None | 2026-09-19 |
| /sources/4/title | None | September 15 planned OnDeck financing |
| /sources/4/url | None | https://www.sec.gov/Archives/edgar/data/1529864/000119312526392151/enva-20260915.htm |
| /thesis/scenario_ranges | None | Explicit downside/base/upside business assumptions; not price targets, probabilities or historical market-memory bands. |
| /thesis/view | Growth and credit margins must be evaluated alongside the cash required to replenish and expand the loan book. The bank acquisition is excluded after September regulatory-application withdrawals. | |
| /thesis/what_changes_it | Compare credit-cost ratios and collections with funded debt, cash loan investment and covenant headroom; rising CFO alone is not owner cash generation. |