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CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) - USD ($)
$ in Thousands
3 Months Ended
Mar. 31, 2016
Mar. 31, 2015
Cash Flows from Operating Activities    
Net Income $ 9,863 $ 24,530
Adjustments to reconcile net income to net cash provided by operating activities:    
Depreciation and amortization 3,987 5,283
Amortization of deferred loan costs and debt discount 1,779 827
Cost of Revenue 69,577 38,570
Stock-based compensation expense 1,968 1,712
Deferred income taxes, net 8,459 6,702
Other (1,567) 944
Changes in operating assets and liabilities:    
Finance and service charges on loans and finance receivables (3,065) 7,879
Other receivables and prepaid expenses 3,274 373
Accounts payable and accrued expenses 6,250 (598)
Current income taxes payable (1,933) 1,643
Net cash provided by operating activities 98,592 87,865
Cash Flows from Investing Activities    
Loans and finance receivables originated or acquired (276,847) (226,701)
Loans and finance receivables repaid 211,177 221,901
Change in restricted cash (13,717)  
Purchases of property and equipment (2,230) (11,572)
Other investing activities 58  
Net cash used in investing activities (81,559) (16,372)
Cash Flows from Financing Activities    
Borrowings under revolving line of credit 10,000  
Repayments under revolving line of credit (68,400)  
Borrowings under securitization facility 135,061  
Repayments under securitization facility (21,148)  
Debt issuance costs paid (3,271)  
Treasury shares purchased (58)  
Net cash provided by financing activities 52,184  
Effect of exchange rates on cash 928 (3,155)
Net increase in cash and cash equivalents 70,145 68,338
Cash and cash equivalents at beginning of year 42,066 75,106
Cash and cash equivalents at end of period 112,211 143,444
Supplemental Disclosures    
Loans and finance receivables renewed $ 73,456 $ 45,747