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CONSOLIDATED STATEMENTS OF INCOME - USD ($)
shares in Millions, $ in Millions
12 Months Ended
Dec. 31, 2019
Dec. 31, 2018
Dec. 31, 2017
Revenues      
Services $ 215.5 $ 295.4 $ 367.5
Redemption, net 637.3 676.3 935.3
Finance charges, net 4,728.5 4,694.9 4,171.9
Total revenue 5,581.3 5,666.6 5,474.7
Operating expenses      
Cost of operations (exclusive of depreciation and amortization disclosed separately below) 2,687.8 2,537.2 2,469.5
Provision for loan loss 1,187.5 1,016.0 1,140.1
General and administrative 150.6 162.5 159.3
Depreciation and other amortization 79.9 80.7 73.7
Amortization of purchased intangibles 96.2 112.9 114.2
Loss on extinguishment of debt 71.9    
Total operating expenses 4,273.9 3,909.3 3,956.8
Operating income 1,307.4 1,757.3 1,517.9
Interest expense      
Securitization funding costs 213.4 220.2 156.6
Interest expense on deposits 225.6 165.7 125.1
Interest expense on long-term and other debt, net 130.0 156.4 173.7
Total interest expense, net 569.0 542.3 455.4
Income from continuing operations before income taxes 738.4 1,215.0 1,062.5
Provision for income taxes 165.8 269.5 293.3
Income from continuing operations 572.6 945.5 769.2
(Loss) income from discontinued operations, net of taxes (294.6) 17.6 19.5
Net income $ 278.0 $ 963.1 $ 788.7
Basic income (loss) per share (Note 4):      
Income from continuing operations (in dollars per share) $ 11.25 $ 17.24 $ 13.82
(Loss) income from discontinued operations (in dollars per share) (5.89) 0.32 0.35
Net income per share (in dollars per share) 5.36 17.56 14.17
Diluted income (loss) per share (Note 4):      
Income from continuing operations (in dollars per share) 11.24 17.17 13.75
(Loss) income from discontinued operations (in dollars per share) (5.78) 0.32 0.35
Net income per share (in dollars per share) $ 5.46 $ 17.49 $ 14.10
Weighted average shares (Note 4):      
Basic (in shares) 50.0 54.9 55.7
Diluted (in shares) 50.9 55.1 55.9