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Consolidated Statements of Income (Unaudited) - USD ($)
$ in Millions
3 Months Ended 9 Months Ended
Sep. 30, 2020
Sep. 30, 2019
Sep. 30, 2020
Sep. 30, 2019
Revenue:        
Finance charges $ 404.4 $ 349.9 $ 1,144.5 $ 1,013.3
Premiums earned 15.1 12.9 42.2 38.2
Other income 7.0 15.9 35.2 51.6
Total revenue 426.5 378.7 1,221.9 1,103.1
Costs and expenses:        
Salaries and wages 46.6 47.9 140.4 143.9
General and administrative 17.2 17.2 46.8 47.9
Sales and marketing 16.6 16.6 53.9 53.1
Provision for credit losses (29.8) 19.3 464.3 49.2
Interest 46.8 50.4 146.9 145.2
Provision for claims 10.7 8.2 28.8 23.1
Loss on extinguishment of debt 0.0 0.0 7.4 0.0
Total costs and expenses 108.1 159.6 888.5 462.4
Income before provision for income taxes 318.4 219.1 333.4 640.7
Provision for income taxes 76.3 53.7 78.7 146.5
Net income $ 242.1 $ 165.4 $ 254.7 $ 494.2
Net income per share:        
Basic (in usd per share) $ 13.57 $ 8.73 $ 14.18 $ 26.08
Diluted (in usd per share) $ 13.56 $ 8.73 $ 14.17 $ 26.06
Weighted average shares outstanding:        
Basic (in shares) 17,844,785 18,944,672 17,957,931 18,948,140
Diluted (in shares) 17,849,765 18,950,866 17,973,091 18,967,552