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Consolidated Statements of Income (Unaudited) - USD ($)
$ in Millions
3 Months Ended 9 Months Ended
Sep. 30, 2021
Sep. 30, 2020
Sep. 30, 2021
Sep. 30, 2020
Revenue:        
Finance charges $ 442.1 $ 404.4 $ 1,312.4 $ 1,144.5
Premiums earned 15.4 15.1 45.6 42.2
Other income 12.6 7.0 34.8 35.2
Total revenue 470.1 426.5 1,392.8 1,221.9
Costs and expenses:        
Salaries and wages 63.2 46.6 150.9 140.4
General and administrative 16.9 17.2 79.9 46.8
Sales and marketing 16.3 16.6 48.4 53.9
Provision for credit losses (8.3) (29.8) (17.5) 464.3
Interest 39.8 46.8 125.6 146.9
Provision for claims 10.0 10.7 29.3 28.8
Loss on extinguishment of debt 0.0 0.0 0.0 7.4
Total costs and expenses 137.9 108.1 416.6 888.5
Income before provision for income taxes 332.2 318.4 976.2 333.4
Provision for income taxes 82.2 76.3 235.5 78.7
Net income $ 250.0 $ 242.1 $ 740.7 $ 254.7
Net income per share:        
Basic (in usd per share) $ 15.83 $ 13.57 $ 44.77 $ 14.18
Diluted (in usd per share) $ 15.79 $ 13.56 $ 44.73 $ 14.17
Weighted average shares outstanding:        
Basic (in shares) 15,795,963 17,844,785 16,543,326 17,957,931
Diluted (in shares) 15,829,166 17,849,765 16,559,639 17,973,091