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Consolidated Balance Sheets - USD ($)
$ in Thousands
Mar. 31, 2023
Dec. 31, 2022
Assets    
Cash $ 7,108 $ 3,873
Net finance receivables 1,676,230 1,699,393
Unearned insurance premiums (49,126) (51,008)
Allowance for credit losses (183,800) (178,800)
Net finance receivables, less unearned insurance premiums and allowance for credit losses 1,443,304 1,469,585
Restricted cash 127,178 127,926
Lease assets 34,507 34,521
Restricted available-for-sale investments 22,489 20,416
Property and equipment 14,999 14,526
Deferred tax assets, net 14,690 13,810
Intangible assets 12,972 12,122
Other assets 23,867 28,208
Total assets 1,701,114 1,724,987
Liabilities:    
Debt 1,329,677 1,355,359
Unamortized debt issuance costs (8,215) (9,512)
Net debt 1,321,462 1,345,847
Lease liabilities 36,905 36,712
Accounts payable and accrued expenses 26,054 33,795
Total liabilities 1,384,421 1,416,354
Commitments and contingencies (Note 12)
Stockholders’ equity:    
Preferred stock ($0.10 par value, 100,000 shares authorized, none issued or outstanding)
Common stock ($0.10 par value, 1,000,000 shares authorized, 14,385 shares issued and 9,578 shares outstanding at March 31, 2023 and 14,330 shares issued and 9,523 shares outstanding at December 31, 2022) 1,438 1,433
Additional paid-in capital 114,452 112,384
Retained earnings 351,324 345,545
Accumulated other comprehensive loss (378) (586)
Treasury stock (4,807 shares at March 31, 2023 and December 31, 2022) (150,143) (150,143)
Total stockholders’ equity 316,693 308,633
Total liabilities and stockholders’ equity 1,701,114 1,724,987
Variable Interest Entity, Primary Beneficiary [Member]    
Assets    
Cash 465 439
Net finance receivables 1,302,786 1,296,078
Allowance for credit losses (140,436) (134,708)
Restricted cash 126,598 126,017
Other assets 2,505 1,706
Total assets 1,291,918 1,289,532
Liabilities:    
Net debt 1,217,348 1,199,404
Accounts payable and accrued expenses 192 167
Total liabilities $ 1,217,540 $ 1,199,571