| Mar'20 | Dec'19 | Sep'19 | Jun'19 | Mar'19 | Dec'18 | Sep'18 | Jun'18 | Mar'18 | Dec'17 |
|---|---|---|---|---|---|---|---|---|---|
ASSETS | |||||||||
Cash and cash equivalents | |||||||||
138,714 | 75,242 | 62,207 | 92,297 | 82,859 | 61,175 | 153,361 | 115,105 | 130,739 | 162,374 |
Restricted Cash | |||||||||
41,527 | 34,779 | 38,754 | 33,712 | 34,319 | 25,439 | 24,236 | 12,448 | 17,656 | 12,117 |
Gross loans receivable (includes loans of consolidated VIEs of $231,258 and $244,492 as of March 31, 2020 and December 31, 2019, respectively) | |||||||||
564,437 | 665,828 | 657,615 | 609,593 | 553,215 | 571,531 | 567,675 | 444,627 | 389,838 | 432,837 |
Less: allowance for loan losses (includes allowance for losses of consolidated VIEs of $27,421 and $24,425 as of March 31, 2020 and December 31, 2019, respectively) | |||||||||
99,842 | 106,835 | 108,385 | 101,877 | 94,322 | 73,997 | 76,068 | 59,754 | 60,886 | 69,568 |
Loans receivable, net | |||||||||
464,595 | 558,993 | 549,230 | 507,716 | 458,893 | 497,534 | 491,607 | 384,873 | 328,952 | 363,269 |
Income taxes receivable | |||||||||
24,435 | 11,426 | 23,966 | 37,579 | 40,872 | 16,741 | 16,363 | 623 | 0 | 3,455 |
Prepaid expenses and other | |||||||||
34,120 | 35,890 | 32,228 | 30,241 | 36,511 | 43,588 | 40,109 | 36,297 | 32,753 | 42,512 |
Property and equipment, net | |||||||||
66,787 | 70,811 | 70,381 | 72,993 | 75,260 | 76,750 | 79,790 | 80,420 | 83,522 | 87,086 |
Right of use asset - operating leases | |||||||||
114,272 | 117,453 | 118,300 | 140,982 | 135,405 | - | - | - | - | - |
Deferred tax assets | |||||||||
0 | 5,055 | 1,846 | 2,637 | 5,014 | 1,534 | 0 | 3,697 | 1,817 | 772 |
Goodwill | |||||||||
132,825 | 120,609 | 120,110 | 120,450 | 119,878 | 119,281 | 143,966 | 143,753 | 145,764 | 145,607 |
Other intangibles, net | |||||||||
33,944 | 33,927 | 32,666 | 30,657 | 29,968 | 29,784 | 33,208 | 30,825 | 31,961 | 32,769 |
Other assets | |||||||||
15,547 | 17,710 | 18,484 | 16,091 | 15,151 | 12,930 | 13,090 | 12,809 | 12,217 | 9,770 |
Disposal Group, Including Discontinued Operation, Assets | |||||||||
- | - | 0 | 0 | 0 | 34,861 | - | - | - | - |
Total Assets | |||||||||
1,066,766 | 1,081,895 | 1,068,132 | 1,085,355 | 1,034,130 | 919,617 | 995,730 | 820,850 | 785,381 | 859,731 |
LIABILITIES AND STOCKHOLDERS' EQUITY | |||||||||
Accounts payable and accrued liabilities (includes accounts payable and accrued liabilities of consolidated VIEs of $13,267 and $13,462 as of March 31, 2020 and December 31, 2019, respectively) | |||||||||
53,603 | 60,083 | 63,685 | 59,274 | 52,042 | 49,146 | 52,853 | 53,557 | 52,860 | 55,792 |
Deferred revenue | |||||||||
6,655 | 10,170 | 9,052 | 8,712 | 7,851 | 9,483 | 9,667 | 10,548 | 10,152 | 11,984 |
Lease liability - operating leases | |||||||||
121,715 | 124,999 | 126,048 | 148,843 | 143,412 | - | - | - | - | - |
Income taxes payable | |||||||||
- | - | 0 | 0 | 4,425 | 1,579 | 338 | 5,475 | 8,734 | 4,120 |
Accrued interest (includes accrued interest of consolidated VIEs of $627 and $871 as of March 31, 2020 and December 31, 2019, respectively) | |||||||||
5,392 | 19,847 | 5,625 | 19,690 | 5,593 | 20,904 | 7,391 | 22,175 | 6,384 | 25,467 |
Guarantor Obligations, Current Carrying Value | |||||||||
9,189 | 10,600 | 10,200 | 9,504 | 8,700 | 12,007 | 13,243 | 11,619 | 10,412 | 17,795 |
Deferred rent | |||||||||
- | - | - | 0 | - | 10,851 | 11,288 | 11,481 | 11,732 | 11,577 |
Debt (includes debt and issuance costs of consolidated VIEs of $87,365 and $2,491 as of March 31, 2020 and $115,243 and $3,022 as of December 31, 2019, respectively) | |||||||||
788,451 | 790,544 | 805,407 | 768,512 | 766,068 | 804,140 | 868,201 | 626,833 | 622,644 | 706,225 |
Subordinated stockholder debt | |||||||||
- | - | 0 | 0 | 2,243 | 2,196 | 2,319 | 2,278 | 2,322 | 2,381 |
Other long-term liabilities | |||||||||
9,095 | 10,664 | 8,594 | 8,594 | 6,686 | 5,800 | 6,949 | 6,589 | 6,199 | 5,768 |
Deferred tax liabilities | |||||||||
13,095 | 4,452 | 4,427 | 4,848 | 404 | 13,730 | 13,617 | 17,446 | 11,393 | 11,486 |
Disposal Group, Including Discontinued Operation, Liabilities | |||||||||
- | - | 0 | 0 | 0 | 8,882 | - | - | - | - |
Total Liabilities | |||||||||
1,007,195 | 1,031,382 | 1,033,087 | 1,027,977 | 997,386 | 938,718 | 985,866 | 768,001 | 742,832 | 852,595 |
Commitments and contingencies (Note 13) | |||||||||
- | - | - | - | - | - | 0 | 0 | 0 | - |
Stockholders' Equity | |||||||||
Preferred stock - $0.001 par value, 25,000,000 shares authorized; no shares were issued | |||||||||
0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Common stock - $0.001 par value; 225,000,000 shares authorized; 46,934,750 and 46,770,765 shares issued; and 40,779,447 and 41,156,224 shares outstanding at the respective period ends | |||||||||
9 | 9 | 9 | 9 | 9 | 9 | 9 | 9 | 9 | 8 |
Treasury stock, at cost - 6,155,303 and 5,614,541 shares as of the respective period ends | |||||||||
77,852 | 72,343 | 53,064 | 2,507 | - | 0 | - | - | - | - |
Paid-in capital | |||||||||
70,798 | 68,087 | 67,579 | 64,790 | 62,117 | 60,015 | 64,148 | 62,573 | 61,056 | 46,079 |
Retained earnings | |||||||||
127,472 | 93,423 | 63,205 | 35,816 | 18,983 | -18,065 | -3,767 | 43,254 | 27,279 | 3,988 |
Accumulated other comprehensive loss | |||||||||
-60,856 | -38,663 | -42,684 | -40,730 | -44,365 | -61,060 | -50,526 | -52,987 | -45,795 | -42,939 |
Total Stockholders' Equity | |||||||||
59,571 | 50,513 | 35,045 | 57,378 | 36,744 | -19,101 | 9,864 | 52,849 | 42,549 | 7,136 |
Total Liabilities and Stockholders' Equity | |||||||||
1,066,766 | 1,081,895 | 1,068,132 | 1,085,355 | 1,034,130 | 919,617 | 995,730 | 820,850 | 785,381 | 859,731 |