XML 18 R3.htm IDEA: XBRL DOCUMENT v3.25.1
Consolidated Statements of Income (Unaudited) - USD ($)
$ in Millions
 3 Months Ended
Mar. 31, 2025
Mar. 31, 2024
Revenue:    
Finance charges $ 526.7 $ 469.2
Premiums earned 23.5 21.9
Other income 20.9 16.9
Total revenue 571.1 508.0
Costs and expenses:    
Salaries and wages 88.6 78.5
General and administrative 22.1 23.7
Sales and marketing 24.8 23.9
Operating Expenses 135.5 126.1
Provision for Credit Losses on Forecast Changes 76.3 87.2
Provision for Credit Losses on New Consumer Loan Assignments 85.6 98.8
Provision for Credit Losses 161.9 186.0
Interest 114.7 92.5
Provision for claims 16.1 17.0
Loss on extinguishment of debt 1.2 0.0
Total costs and expenses 429.4 421.6
Income before provision for income taxes 141.7 86.4
Provision for income taxes 35.4 22.1
Net income $ 106.3 $ 64.3
Net income per share:    
Basic (in usd per share) $ 8.79 $ 5.15
Diluted (in usd per share) $ 8.66 $ 5.08
Weighted average shares outstanding:    
Basic (in shares) 12,091,027 12,481,139
Diluted (in shares) 12,279,446 12,646,529