| Dec'19 | Dec'18 | Dec'17 | Dec'16 | Dec'15 | ||
|---|---|---|---|---|---|---|
Revenues | ||||||
746,962 | 786,682 | 673,132 | 580,441 | - | ||
Revenues | ||||||
- | - | - | - | 434,006 | ||
Cost of sales: | ||||||
Provision for Loan and Lease Losses | ||||||
364,241 | 411,979 | 357,574 | 317,821 | 232,650 | ||
Direct marketing costs | ||||||
51,283 | 77,605 | 72,222 | - | - | ||
Direct marketing costs | ||||||
- | - | - | - | 61,032 | ||
Other cost of sales | ||||||
28,846 | 26,359 | 20,536 | 17,433 | 15,197 | ||
Total cost of sales | ||||||
444,370 | 515,943 | 450,332 | 400,444 | 308,879 | ||
Gross profit | ||||||
302,592 | 270,739 | 222,800 | 179,997 | 125,127 | ||
Operating expenses: | ||||||
Compensation and benefits | ||||||
103,070 | 94,382 | 81,969 | 65,657 | 60,568 | ||
Professional services | ||||||
36,715 | 35,864 | 32,848 | 30,659 | 25,134 | ||
Selling and marketing | ||||||
7,381 | 9,435 | 8,353 | 9,684 | 7,567 | ||
Occupancy and equipment | ||||||
20,712 | 17,547 | 13,895 | - | - | ||
Operating Leases, Rent Expense | ||||||
- | - | - | 11,475 | 9,690 | ||
Depreciation and amortization | ||||||
17,380 | 12,988 | 10,272 | 10,906 | 8,898 | ||
Other | ||||||
5,911 | 5,649 | 4,600 | 3,812 | 4,303 | ||
Total operating expenses | ||||||
191,169 | 175,865 | 151,937 | 132,193 | 116,160 | ||
Operating Income (Loss) | ||||||
111,423 | 95,000 | 71,000 | 47,804 | 8,967 | ||
Other expense: | ||||||
Net interest expense (See Note 14) | ||||||
66,646 | 79,198 | 73,043 | 64,277 | 36,674 | ||
Foreign currency transaction (loss) gain | ||||||
334 | -1,409 | 2,900 | -8,809 | -2,385 | ||
Non-operating loss | ||||||
-681 | -350 | 2,295 | - | - | ||
Non-operating loss | ||||||
- | - | - | -43 | 5,523 | ||
Total other expense | ||||||
-66,993 | -80,957 | -67,848 | -73,129 | -33,536 | ||
(Loss) income before taxes | ||||||
44,430 | 13,917 | 3,015 | -25,325 | -24,569 | ||
Income Tax Expense (Benefit) | ||||||
12,247 | 1,408 | 9,931 | -2,952 | -4,658 | ||
Net Income (Loss) Attributable to Parent | ||||||
32,183 | 12,509 | -6,916 | -22,373 | -19,911 | ||
Basic (loss) earnings per share (in usd per share) | ||||||
0.73 | 0.29 | -0.20 | -1.74 | -1.59 | ||
Diluted (loss) earnings per share (in usd per share) | ||||||
0.73 | 0.28 | -0.20 | -1.74 | -1.59 | ||
Weighted Average Number of Shares Outstanding, Basic | ||||||
43,805 | 42,791 | 33,911 | 12,894 | 12,525 | ||
Weighted Average Number of Shares Outstanding, Diluted | ||||||
44,338 | 44,299 | 33,911 | 12,894 | 12,525 | ||
Direct marketing costs | ||||||
Direct marketing costs | ||||||
- | - | - | 65,190 | - | ||