Business Segments (Tables)

3 Months Ended

Mar. 31, 2020

Business Segments

Summary of financial information of segments

The following tables present summarized financial information for the Company’s segments:

	As of and for the three months ended March 31, 2020
	Retail				Internet				Unallocated
	Financial		% of		Financial		% of		(Income)				% of
	Services		Revenue		Services		Revenue		Expenses		Consolidated		Revenue
Total Assets	$	178,753			$	36,607					$	215,360
Other Intangible Assets		2,497				39						2,536
Total Revenues	$	66,007	100.0	%	$	9,972	100.0	%			$	75,979	100.0	%
Provision for Loan Losses		14,968	22.7	%		4,761	47.7	%				19,729	26.0	%
Depreciation and Amortization		4,580	6.9	%		—	—	%				4,580	6.0	%
Other Operating Expenses		33,731	51.1	%		1,196	12.0	%				34,927	45.9	%
Operating Gross Profit		12,728	19.3	%		4,015	40.3	%				16,743	22.1	%
Interest Expense, net		8,655	13.1	%		4,544	45.6	%				13,199	17.4	%
Depreciation and Amortization		925	1.4	%		32	0.3	%				957	1.3	%
Goodwill Impairment		11,288	17.1	%		—	—					11,288	14.9	%
Other Corporate Expenses (a)		—	—			—	—			18,215		18,215	24.0	%
Loss from Continuing Operations, before tax		(8,140)	(12.3)	%		(561)	(5.6)	%		(18,215)		(26,916)	(35.4)	%

(a) Represents expenses that are not allocated between reportable segments.

	As of and for the three months ended March 31, 2019
	Retail				Internet				Unallocated
	Financial		% of		Financial		% of		(Income)				% of
	Services		Revenue		Services		Revenue		Expenses		Consolidated		Revenue
Total Assets	$	230,491			$	37,075					$	267,566
Goodwill		11,288				—						11,288
Other Intangible Assets		2,882				132						3,014
Total Revenues	$	75,984	100.0	%	$	10,512	100.0	%			$	86,496	100.0	%
Provision for Loan Losses		17,250	22.7	%		4,036	38.4	%				21,286	24.6	%
Depreciation and Amortization		8,205	10.8	%		—	—	%				8,205	9.5	%
Other Operating Expenses		32,021	42.1	%		1,133	10.8	%				33,154	38.3	%
Operating Gross Profit		18,508	24.4	%		5,343	50.8	%				23,851	27.6	%
Interest Expense, net		7,897	10.4	%		3,489	33.2	%				11,386	13.2	%
Depreciation and Amortization		1,389	1.8	%		92	0.9	%				1,481	1.7	%
Other Corporate Expenses (a)		—	—			—	—			17,099		17,099	19.8	%
Income (loss) from Continuing Operations, before tax		9,222	12.1	%		1,762	16.8	%		(17,099)		(6,115)	(7.1)	%

(a)Represents expenses that are not allocated between reportable segments.