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Consolidated Statements of Income (Unaudited) - USD ($)
$ in Millions
3 Months Ended 6 Months Ended
Jun. 30, 2023
Jun. 30, 2022
Jun. 30, 2023
Jun. 30, 2022
Revenue:        
Finance charges $ 441.0 $ 425.6 $ 862.1 $ 849.7
Premiums earned 19.8 15.4 37.2 29.2
Other income 17.1 16.4 32.4 34.2
Total revenue 477.9 457.4 931.7 913.1
Costs and expenses:        
Salaries and wages 70.2 65.4 147.4 129.8
General and administrative 20.5 32.3 38.5 51.2
Sales and marketing 26.3 19.0 48.4 38.2
Operating Expenses 117.0 116.7 234.3 219.2
Total provision for credit losses 250.5 147.5 387.9 170.8
Interest 62.8 38.9 117.2 75.4
Provision for claims 19.7 12.2 37.6 21.1
Total costs and expenses 450.0 315.3 777.0 486.5
Income before provision for income taxes 27.9 142.1 154.7 426.6
Provision for income taxes 5.7 34.7 33.0 104.9
Net income $ 22.2 $ 107.4 $ 121.7 $ 321.7
Net income per share:        
Basic (in usd per share) $ 1.70 $ 7.99 $ 9.32 $ 23.23
Diluted (in usd per share) $ 1.69 $ 7.94 $ 9.30 $ 23.10
Weighted average shares outstanding:        
Basic (in shares) 13,049,935 13,435,507 13,053,755 13,849,711
Diluted (in shares) 13,099,961 13,517,979 13,085,988 13,927,372