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Consolidated Statements of Income (Unaudited) - USD ($)
$ in Millions
3 Months Ended 9 Months Ended
Sep. 30, 2023
Sep. 30, 2022
Sep. 30, 2023
Sep. 30, 2022
Revenue:        
Finance charges $ 441.7 $ 420.6 $ 1,303.8 $ 1,270.3
Premiums earned 20.8 16.4 58.0 45.6
Other income 16.1 23.3 48.5 57.5
Total revenue 478.6 460.3 1,410.3 1,373.4
Costs and expenses:        
Salaries and wages 66.7 66.9 214.1 196.7
General and administrative 21.3 16.6 59.8 67.8
Sales and marketing 22.5 19.7 70.9 57.9
Operating Expenses 110.5 103.2 344.8 322.4
Total provision for credit losses 184.6 180.3 572.5 351.1
Interest 70.5 41.8 187.7 117.2
Provision for claims 16.5 12.9 54.1 34.0
Total costs and expenses 382.1 338.2 1,159.1 824.7
Income before provision for income taxes 96.5 122.1 251.2 548.7
Provision for income taxes 25.7 35.3 58.7 140.2
Net income $ 70.8 $ 86.8 $ 192.5 $ 408.5
Net income per share:        
Basic (in usd per share) $ 5.47 $ 6.53 $ 14.79 $ 29.90
Diluted (in usd per share) $ 5.43 $ 6.49 $ 14.73 $ 29.74
Weighted average shares outstanding:        
Basic (in shares) 12,933,377 13,293,224 13,013,344 13,662,178
Diluted (in shares) 13,039,638 13,364,160 13,068,998 13,737,871