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Consolidated Statements Of Cash Flows - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2019
Dec. 31, 2018
Dec. 31, 2017
Cash Flows From Operating Activities:      
Net income $ 656.1 $ 574.0 $ 470.2
Adjustments to reconcile cash provided by operating activities:      
Provision for credit losses 76.4 56.9 129.3
Depreciation 7.3 5.4 6.0
Amortization 15.1 14.1 10.4
Increase (Decrease) in Deferred Income Taxes 85.5 49.3 (85.6)
Stock-based compensation 7.6 10.3 15.4
Loss on extinguishment of debt 1.8 0.0 0.0
Other Operating Activities, Cash Flow Statement (0.2) (0.2) 0.1
Change in operating assets and liabilities:      
Increase in accounts payable and accrued liabilities 17.3 41.6 10.3
Increase in income taxes receivable (58.3) (5.7) 0.1
Increase (decrease) in income taxes payable (2.3) (37.4) 16.3
Increase in other assets 6.0 (4.4) (6.5)
Net cash provided by operating activities 812.3 703.9 566.0
Cash Flows From Investing Activities:      
Purchases of restricted securities available for sale (40.1) (43.8) (34.5)
Proceeds from sale of restricted securities available for sale 29.1 19.7 27.8
Maturities of restricted securities available for sale 11.9 11.5 5.6
Principal collected on Loans receivable 2,971.2 2,576.7 2,189.5
Advances to Dealers (2,424.5) (2,414.8) (1,968.3)
Purchases of Consumer Loans (1,347.7) (1,181.0) (904.8)
Accelerated payments of Dealer Holdback (58.8) (52.6) (47.1)
Payments of Dealer Holdback (138.5) (128.9) (131.6)
Purchases of property and equipment (26.8) (25.1) (8.4)
Net cash used in investing activities (1,024.2) (1,238.3) (871.8)
Cash Flows From Financing Activities:      
Borrowings under revolving secured line of credit 3,846.7 2,249.9 3,527.1
Repayments under revolving secured line of credit (4,018.6) (2,091.9) (3,513.2)
Proceeds from secured financing 2,396.4 2,696.6 2,364.5
Repayments of secured financing (2,149.5) (2,116.9) (1,907.5)
Proceeds from issuance of senior notes 800.0 0.0 0.0
Repayments of senior notes (148.2) 0.0 0.0
Proceeds from mortgage note 0.0 12.0 0.0
Payments of debt issuance costs and debt issuance costs (25.5) (13.7) (14.6)
Repurchase of common stock (300.4) (129.1) (123.5)
Other financing activities (0.6) (7.0) (2.5)
Net cash provided by financing activities 400.3 599.9 330.3
Net increase in cash and cash equivalents and restricted cash and cash equivalents 188.4 65.5 24.5
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents 329.3 263.8 239.3
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents 517.7 329.3 263.8
Supplemental Cash Flow Information [Abstract]      
Cash paid during the period for interest 175.6 141.0 108.8
Cash paid during the period for income taxes $ 172.4 $ 168.8 $ 175.0