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Consolidated Statements of Cash Flows (Unaudited) - USD ($)
$ in Thousands
3 Months Ended
Mar. 31, 2019
Mar. 31, 2018
Cash flows from operating activities:    
Net income $ 8,108 $ 8,644
Adjustments to reconcile net income to net cash provided by operating activities:    
Provision for credit losses 23,343 19,515
Depreciation and amortization 2,633 2,024
Loss on disposal of property and equipment 11 8
Share-based compensation 997 1,208
Fair value adjustment on interest rate caps 198 (121)
Deferred income taxes, net 512 (962)
Changes in operating assets and liabilities:    
Decrease in other assets 2,186 3,975
Decrease in accounts payable and accrued expenses (7,292) (2,497)
Net cash provided by operating activities 30,696 31,794
Cash flows from investing activities:    
Net originations of finance receivables (5,250) (8,168)
Purchases of intangible assets (224) (814)
Purchases of property and equipment (1,315) (844)
Net cash used in investing activities (6,789) (9,826)
Cash flows from financing activities:    
Net payments on senior revolving credit facility (27,713) (35,924)
Payments on amortizing loan (4,765) (10,765)
Net advances on revolving warehouse credit facility 828 25,570
Net payments on securitizations (70)  
Payments for debt issuance costs (280) (58)
Taxes paid related to net share settlement of equity awards (800) (497)
Net cash used in financing activities (32,800) (21,674)
Net change in cash and restricted cash (8,893) 294
Cash and restricted cash at beginning of period 50,141 22,017
Cash and restricted cash at end of period 41,248 22,311
Supplemental cash flow information:    
Interest paid 8,572 6,565
Income taxes paid $ 0 $ 0