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Segment Reporting | 6 Months Ended
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Jun. 30, 2016
Segment Reporting [Abstract] |
Segment Reporting | Segment Reporting We operate primarily within one industry consisting of two reportable segments by which we manage our business. Our two reportable segments are: Credit and Other Investments, and Auto Finance. As of both June 30, 2016 and December 31, 2015, we did not have a material amount of long-lived assets located outside of the U.S., and only a negligible portion of our revenues for the six months ended June 30, 2016 and 2015 were generated outside of the U.S. We measure the profitability of our reportable segments based on their income after allocation of specific costs and corporate overhead; however, our segment results do not reflect any charges for internal capital allocations among our segments. Overhead costs are allocated based on headcounts and other applicable measures to better align costs with the associated revenues. Summary operating segment information (in thousands) is as follows:
Three months ended June 30, 2016 |  | Credit and Other Investments |  | Auto Finance |  | Total
Interest income: |  |  |  |  |  |
Consumer loans, including past due fees |  | $ | 14,132 |  |  | $ | 7,330 |  |  | $ | 21,462 |
Other |  | 60 |  |  | — |  |  | 60 |
Total interest income |  | 14,192 |  |  | 7,330 |  |  | 21,522 |
Interest expense |  | (4,454 | ) |  | (338 | ) |  | (4,792 | )
Net interest income before fees and related income on earning assets and provision for losses on loans and fees receivable |  | $ | 9,738 |  |  | $ | 6,992 |  |  | $ | 16,730 |
Fees and related income on earning assets |  | $ | 5,840 |  |  | $ | 38 |  |  | $ | 5,878 |
Servicing income |  | $ | 732 |  |  | $ | 249 |  |  | $ | 981 |
Gain on repurchase of convertible senior notes |  | $ | 1,037 |  |  | $ | — |  |  | $ | 1,037 |
Depreciation of rental merchandise |  | $ | (1,335 | ) |  | $ | — |  |  | $ | (1,335 | )
Equity in income of equity-method investee |  | $ | 325 |  |  | $ | — |  |  | $ | 325 |
(Loss) income before income taxes |  | $ | (664 | ) |  | $ | 1,594 |  |  | $ | 930 |
Income tax expense |  | $ | (113 | ) |  | $ | (544 | ) |  | $ | (657 | )
Six months ended June 30, 2016 |  | Credit and Other Investments |  | Auto Finance |  | Total
Interest income: |  |  |  |  |  |
Consumer loans, including past due fees |  | $ | 25,317 |  |  | $ | 14,293 |  |  | $ | 39,610 |
Other |  | 152 |  |  | — |  |  | 152 |
Total interest income |  | 25,469 |  |  | 14,293 |  |  | 39,762 |
Interest expense |  | (8,791 | ) |  | (645 | ) |  | (9,436 | )
Net interest income before fees and related income on earning assets and provision for losses on loans and fees receivable |  | $ | 16,678 |  |  | $ | 13,648 |  |  | $ | 30,326 |
Fees and related income on earning assets |  | $ | 13,669 |  |  | $ | 96 |  |  | $ | 13,765 |
Servicing income |  | $ | 1,924 |  |  | $ | 504 |  |  | $ | 2,428 |
Gain on repurchase of convertible senior notes |  | $ | 1,037 |  |  | $ | — |  |  | $ | 1,037 |
Depreciation of rental merchandise |  | $ | (4,714 | ) |  | $ | — |  |  | $ | (4,714 | )
Equity in income of equity-method investee |  | $ | 1,327 |  |  | $ | — |  |  | $ | 1,327 |
Income before income taxes |  | $ | 2,662 |  |  | $ | 3,018 |  |  | $ | 5,680 |
Income tax benefit (expense) |  | $ | 204 |  |  | $ | (1,059 | ) |  | $ | (855 | )
Total assets |  | $ | 228,729 |  |  | $ | 71,579 |  |  | $ | 300,308 |
Three months ended June 30, 2015 |  | Credit and Other Investments |  | Auto Finance |  | Total
Interest income: |  |  |  |  |  |
Consumer loans, including past due fees |  | $ | 9,898 |  |  | $ | 6,971 |  |  | $ | 16,869 |
Other |  | 10 |  |  | — |  |  | 10 |
Total interest income |  | 9,908 |  |  | 6,971 |  |  | 16,879 |
Interest expense |  | (4,228 | ) |  | (301 | ) |  | (4,529 | )
Net interest income before fees and related income on earning assets and provision for losses on loans and fees receivable |  | $ | 5,680 |  |  | $ | 6,670 |  |  | $ | 12,350 |
Fees and related income on earning assets |  | $ | 12,683 |  |  | $ | 68 |  |  | $ | 12,751 |
Servicing income |  | $ | 1,179 |  |  | $ | 211 |  |  | $ | 1,390 |
Depreciation of rental merchandise |  | $ | (9,370 | ) |  | $ | — |  |  | $ | (9,370 | )
Equity in income of equity-method investee |  | $ | 707 |  |  | $ | — |  |  | $ | 707 |
Income before income taxes |  | $ | 1,186 |  |  | $ | 1,650 |  |  | $ | 2,836 |
Income tax expense |  | $ | (896 | ) |  | $ | (544 | ) |  | $ | (1,440 | )
Six months ended June 30, 2015 |  | Credit and Other Investments |  | Auto Finance |  | Total
Interest income: |  |  |  |  |  |
Consumer loans, including past due fees |  | $ | 20,618 |  |  | $ | 13,694 |  |  | $ | 34,312 |
Other |  | 42 |  |  | — |  |  | 42 |
Total interest income |  | 20,660 |  |  | 13,694 |  |  | 34,354 |
Interest expense |  | (8,479 | ) |  | (607 | ) |  | (9,086 | )
Net interest income before fees and related income on earning assets and provision for losses on loans and fees receivable |  | $ | 12,181 |  |  | $ | 13,087 |  |  | $ | 25,268 |
Fees and related income on earning assets |  | $ | 25,756 |  |  | $ | 214 |  |  | $ | 25,970 |
Servicing income |  | $ | 2,538 |  |  | $ | 412 |  |  | $ | 2,950 |
Depreciation of rental merchandise |  | $ | (21,623 | ) |  | $ | — |  |  | $ | (21,623 | )
Equity in income of equity-method investee |  | $ | 1,782 |  |  | $ | — |  |  | $ | 1,782 |
Income before income taxes |  | $ | 607 |  |  | $ | 3,577 |  |  | $ | 4,184 |
Income tax benefit (expense) |  | $ | 352 |  |  | $ | (1,174 | ) |  | $ | (822 | )
Total assets |  | $ | 202,510 |  |  | $ | 69,422 |  |  | $ | 271,932 |

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- Definition The entire disclosure for reporting segments including data and tables. Reportable segments include those that meet any of the following quantitative thresholds a) it's reported revenue, including sales to external customers and intersegment sales or transfers is 10 percent or more of the combined revenue, internal and external, of all operating segments b) the absolute amount of its reported profit or loss is 10 percent or more of the greater, in absolute amount of 1) the combined reported profit of all operating segments that did not report a loss or 2) the combined reported loss of all operating segments that did report a loss c) its assets are 10 percent or more of the combined assets of all operating segments. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 34 -URI http://asc.fasb.org/extlink&oid=68060357&loc=d3e8981-108599 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 41 -URI http://asc.fasb.org/extlink&oid=68060357&loc=d3e9038-108599 Reference 3: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 33 -URI http://asc.fasb.org/extlink&oid=68060357&loc=d3e8971-108599 Reference 4: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 12 -URI http://asc.fasb.org/extlink&oid=68060357&loc=d3e8595-108599 Reference 5: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 1 -URI http://asc.fasb.org/extlink&oid=68060357&loc=d3e8380-108599 Reference 6: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 32 -URI http://asc.fasb.org/extlink&oid=68060357&loc=d3e8933-108599 Reference 7: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 26 -URI http://asc.fasb.org/extlink&oid=68060357&loc=d3e8844-108599 Reference 8: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 35 -URI http://asc.fasb.org/extlink&oid=68060357&loc=d3e8984-108599 Reference 9: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 40 -URI http://asc.fasb.org/extlink&oid=68060357&loc=d3e9031-108599 Reference 10: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 42 -URI http://asc.fasb.org/extlink&oid=68060357&loc=d3e9054-108599 Reference 11: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 10 -URI http://asc.fasb.org/extlink&oid=68060357&loc=d3e8538-108599 Reference 12: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 29 -URI http://asc.fasb.org/extlink&oid=68060357&loc=d3e8864-108599 Reference 13: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 31 -URI http://asc.fasb.org/extlink&oid=68060357&loc=d3e8924-108599 Reference 14: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 30 -URI http://asc.fasb.org/extlink&oid=68060357&loc=d3e8906-108599 + Details
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