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Consolidated Statements of Income (Unaudited) - USD ($)
$ in Millions
3 Months Ended 9 Months Ended
Sep. 30, 2022
Sep. 30, 2021
Sep. 30, 2022
Sep. 30, 2021
Revenue:        
Finance charges $ 420.6 $ 442.1 $ 1,270.3 $ 1,312.4
Premiums earned 16.4 15.4 45.6 45.6
Other income 23.3 12.6 57.5 34.8
Total revenue 460.3 470.1 1,373.4 1,392.8
Costs and expenses:        
Salaries and wages 66.9 63.2 196.7 150.9
General and administrative 16.6 16.9 67.8 79.9
Sales and marketing 19.7 16.3 57.9 48.4
Provision for credit losses 180.3 (8.3) 351.1 (17.5)
Interest 41.8 39.8 117.2 125.6
Provision for claims 12.9 10.0 34.0 29.3
Total costs and expenses 338.2 137.9 824.7 416.6
Income before provision for income taxes 122.1 332.2 548.7 976.2
Provision for income taxes 35.3 82.2 140.2 235.5
Net income $ 86.8 $ 250.0 $ 408.5 $ 740.7
Net income per share:        
Basic (in usd per share) $ 6.53 $ 15.83 $ 29.90 $ 44.77
Diluted (in usd per share) $ 6.49 $ 15.79 $ 29.74 $ 44.73
Weighted average shares outstanding:        
Basic (in shares) 13,293,224 15,795,963 13,662,178 16,543,326
Diluted (in shares) 13,364,160 15,829,166 13,737,871 16,559,639