CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 278.0	$ 963.1	$ 788.7
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	249.3	487.3	497.6
Deferred income taxes	(186.1)	16.3	(113.8)
Provision for loan loss	1,187.5	1,016.0	1,140.1
Non-cash stock compensation	54.8	80.8	75.1
Amortization of deferred financing costs	43.4	47.3	44.0
Gain on sale of business	(512.2)
Loss on extinguishment of debt	71.9
Asset impairment charges	52.0
Change in other operating assets and liabilities, net of sale of business:
Change in deferred revenue	2.9	(17.5)	(27.0)
Change in accounts receivable	4.1	(93.0)	(10.3)
Change in accounts payable and accrued expenses	(255.0)	(93.7)	167.4
Change in other assets	(46.8)	(29.8)	(20.9)
Change in other liabilities	32.9	49.8	(24.9)
Originations of credit card and loan receivables held for sale		(4,799.0)	(8,709.4)
Sales of credit card and loan receivables held for sale		4,928.8	8,651.9
Other	241.0	198.5	140.6
Net cash provided by operating activities	1,217.7	2,754.9	2,599.1
CASH FLOWS FROM INVESTING ACTIVITIES:
Change in redemption settlement assets	(9.5)	(42.2)	(231.3)
Change in credit card and loan receivables	(2,586.8)	(2,749.6)	(3,600.2)
Proceeds from sale of business	4,409.7
Purchase of credit card portfolios	(924.8)
Proceeds from sale of credit card portfolios	2,061.8	1,153.5	797.7
Proceeds from sale of real estate	15.1
Payments for acquired businesses, net of cash	(6.7)		(945.6)
Capital expenditures	(142.3)	(199.8)	(225.4)
Purchases of other investments	(20.2)	(89.5)	(101.4)
Maturities/sales of other investments	60.0	47.4	42.5
Other	4.5	8.2	(4.4)
Net cash provided by (used in) investing activities	2,860.8	(1,872.0)	(4,268.1)
CASH FLOWS FROM FINANCING ACTIVITIES:
Borrowings under debt agreements	3,111.3	4,575.3	7,696.7
Repayments of borrowings	(5,981.8)	(4,893.0)	(7,341.4)
Non-recourse borrowings of consolidated securitization entities	4,851.8	3,714.6	5,172.5
Repayments/maturities of non-recourse borrowings of consolidated securitization entities	(5,219.0)	(4,871.0)	(3,320.3)
Net increase in deposits	355.6	864.1	2,543.2
Payment of debt extinguishment costs	(46.1)
Payment of deferred financing costs	(45.4)	(25.8)	(65.7)
Proceeds from issuance of common stock	12.4	17.6	18.4
Dividends paid	(127.4)	(125.2)	(115.5)
Purchase of treasury shares	(976.1)	(443.2)	(553.7)
Other	(27.0)	(31.3)	(29.3)
Net cash (used in) provided by financing activities	(4,091.7)	(1,217.9)	4,004.9
Effect of exchange rate changes on cash, cash equivalents and restricted cash	3.6	(12.0)	10.3
Change in cash, cash equivalents and restricted cash	(9.6)	(347.0)	2,346.2
Cash, cash equivalents and restricted cash at beginning of year	3,967.7	4,314.7	1,968.5
Cash, cash equivalents and restricted cash at end of year	3,958.1	3,967.7	4,314.7
SUPPLEMENTAL CASH FLOW INFORMATION:
Interest paid	671.9	719.8	551.4
Income taxes paid, net	$ 1,070.6	$ 234.0	$ 344.1