Enova International (ENVA) 10-Q 6 May 16 2016 Q1 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	3 Months Ended
	Mar. 31, 2016	May. 05, 2016
Document And Entity Information [Abstract]
Entity Registrant Name	Enova International, Inc.
Entity Central Index Key	1,529,864
Current Fiscal Year End Date	--12-31
Entity Filer Category	Accelerated Filer
Document Type	10-Q
Trading Symbol	ENVA
Document Period End Date	Mar. 31, 2016
Document Fiscal Year Focus	2,016
Document Fiscal Period Focus	Q1
Amendment Flag	false
Entity Common Stock, Shares Outstanding		33,158,148

CONSOLIDATED BALANCE SHEETS (Un

CONSOLIDATED BALANCE SHEETS (Unaudited) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015	Mar. 31, 2015
Assets
Cash and cash equivalents	$ 112,211	$ 42,066	$ 143,444
Restricted cash and cash equivalents	20,908	7,379	7,410
Loans and finance receivables, net	428,202	434,633	279,055
Income taxes receivable	7,436	5,503
Other receivables and prepaid expenses	18,810	20,049	15,667
Property and equipment, net	45,740	48,055	40,257
Goodwill	267,012	267,008	255,856
Intangible assets, net	6,221	6,540	33
Other assets	8,636	9,304	8,173
Total assets	915,176	840,537	749,895
Liabilities and Stockholders' Equity
Accounts payable and accrued expenses	74,278	72,141	54,175
Income taxes currently payable			8,445
Deferred tax liabilities, net	28,879	20,519	28,038
Long-term debt	594,414	541,909	481,417
Total liabilities	$ 697,571	$ 634,569	$ 572,075
Commitments and contingencies (Note 8)
Stockholders' equity:
Common stock, $0.00001 par value, 250,000,000 shares authorized, 33,196,625, 33,000,000 and 33,151,088 shares issued and 33,158,148, 33,000,000 and 33,121,594 outstanding as of March 31, 2016 and 2015 and December 31, 2015, respectively	$ 0	$ 0	$ 0
Preferred stock, $0.00001 par value, 25,000,000 shares authorized, no shares issued and outstanding
Additional paid in capital	$ 11,892	$ 9,924	$ 2,006
Retained earnings	210,716	200,853	181,391
Accumulated other comprehensive loss	(4,758)	(4,622)	(5,577)
Treasury stock, at cost (38,477 and 29,494 shares as of March 31, 2016 and December 31, 2015, respectively)	(245)	(187)
Total stockholders' equity	217,605	205,968	177,820
Total liabilities and stockholders' equity	$ 915,176	$ 840,537	$ 749,895

CONSOLIDATED BALANCE SHEETS (U3

CONSOLIDATED BALANCE SHEETS (Unaudited) (Parenthetical) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015	Mar. 31, 2015
Restricted cash and cash equivalents	$ 20,908	$ 7,379	$ 7,410
Loans and finance receivables, gross	495,906	501,955	330,275
Allowance for loan losses	67,704	67,322	51,220
Long-term debt	$ 594,414	$ 541,909	$ 481,417
Common stock, par value per share	$ 0.00001	$ 0.00001	$ 0.00001
Common stock, shares authorized	250,000,000	250,000,000	250,000,000
Common stock, shares issued	33,196,625	33,151,088	33,000,000
Common stock, shares outstanding	33,158,148	33,121,594	33,000,000
Preferred stock, par value per share	$ 0.00001	$ 0.00001	$ 0.00001
Preferred stock, shares authorized	25,000,000	25,000,000	25,000,000
Preferred stock, shares issued	0	0	0
Preferred stock, shares outstanding	0	0	0
Treasury stock, shares	38,477	29,494
Variable Interest Entity, Primary Beneficiary
Restricted cash and cash equivalents	$ 13,717
Loans and finance receivables, gross	150,427
Allowance for loan losses	12,172
Long-term debt	$ 113,913

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME (Unaudited) - USD ($) shares in Thousands, $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Income Statement [Abstract]
Revenue	$ 174,653	$ 165,676
Cost of Revenue	69,577	38,570
Gross Profit	105,076	127,106
Expenses
Marketing	21,181	24,156
Operations and technology	20,134	18,012
General and administrative	27,925	25,566
Depreciation and amortization	3,987	5,283
Total Expenses	73,227	73,017
Income from Operations	31,849	54,089
Interest expense, net	(15,915)	(13,305)
Foreign currency transaction gain (loss)	1,568	(944)
Income before Income Taxes	17,502	39,840
Provision for income taxes	7,639	15,310
Net Income	$ 9,863	$ 24,530
Earnings per common share:
Basic	$ 0.30	$ 0.74
Diluted	$ 0.30	$ 0.74
Weighted average common shares outstanding:
Basic	33,142	33,000
Diluted	33,187	33,008

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Unaudited) - USD ($) $ in Thousands		3 Months Ended
		Mar. 31, 2016	Mar. 31, 2015
Statement Of Income And Comprehensive Income [Abstract]
Net Income		$ 9,863	$ 24,530
Other comprehensive loss, net of tax:
Foreign currency translation loss	[1]	(136)	(2,406)
Total other comprehensive loss, net of tax		(136)	(2,406)
Comprehensive Income		$ 9,727	$ 22,124
[1]	Net of tax benefit of $77 and $1,190 for the three months ended March 31, 2016 and 2015, respectively.

CONSOLIDATED STATEMENTS OF COM6

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Unaudited) (Parenthetical) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Statement Of Income And Comprehensive Income [Abstract]
Tax benefit of foreign currency translation loss	$ 77	$ 1,190

CONSOLIDATED STATEMENTS OF STOC

CONSOLIDATED STATEMENTS OF STOCKHOLDERS EQUITY (Unaudited) - USD ($) $ in Thousands	Total		Common Stock	Additional Paid in Capital	Retained Earnings	Accumulated Other Comprehensive Income (Loss)	Treasury Stock
Balance at Dec. 31, 2014	$ 153,984			$ 294	$ 156,861	$ (3,171)
Balance, in shares at Dec. 31, 2014			33,000,000
Stock-based compensation expense	1,712			1,712
Net income	24,530				24,530
Foreign currency translation loss, net of tax	(2,406)	[1]				(2,406)
Balance at Mar. 31, 2015	$ 177,820			2,006	181,391	(5,577)
Balance, in shares at Mar. 31, 2015	33,000,000		33,000,000
Balance at Dec. 31, 2015	$ 205,968			9,924	200,853	(4,622)	$ (187)
Balance, in shares at Dec. 31, 2015	33,151,088		33,151,000				(29,000)
Stock-based compensation expense	$ 1,968			1,968
Shares issued under stock-based plans			46,000
Net income	9,863				9,863
Foreign currency translation loss, net of tax	(136)	[1]				(136)
Purchases of treasury shares, at cost	(58)						$ (58)
Treasury Stock Shares Acquired							(9,000)
Balance at Mar. 31, 2016	$ 217,605			$ 11,892	$ 210,716	$ (4,758)	$ (245)
Balance, in shares at Mar. 31, 2016	33,196,625		33,197,000				(38,000)
[1]	Net of tax benefit of $77 and $1,190 for the three months ended March 31, 2016 and 2015, respectively.

CONSOLIDATED STATEMENTS OF CASH

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

Significant Accounting Policies

Significant Accounting Policies	3 Months Ended
	Mar. 31, 2016
Accounting Policies [Abstract]
Significant Accounting Policies	1. Significant Accounting Policies Basis of Presentation On September 7, 2011, Cash America International, Inc. (“Cash America”) formed a new company, Enova International, Inc. (the “Company”). On September 13, 2011, Cash America contributed to the Company all of the stock of its wholly-owned subsidiary, Enova Online Services, Inc., in exchange for 33 million shares of the Company’s common stock. The Company became an independent, publicly traded company on November 13, 2014 when Cash America completed the tax-free spin-off of approximately 80% of the outstanding shares of the Company to holders of Cash America’s common stock (the “Spin-off”). The consolidated financial statements of the Company reflect the historical results of operations and cash flows of the Company during each respective period. The financial statements include goodwill and intangible assets arising from businesses previously acquired. We consolidate any variable interest entity (“VIE”) where we have determined we are the primary beneficiary. The primary beneficiary is the entity which has both the power to direct the activities of the VIE that most significantly impact the VIE’s economic performance as well as the obligation to absorb losses or receive benefits of the entity that could potentially be significant to the VIE. The financial statements presented as of March 31, 2016 and 2015 and December 31, 2015 and for the three-month periods ended March 31, 2016 and 2015 are unaudited but, in management’s opinion, include all adjustments, consisting only of normal recurring adjustments, necessary for a fair statement of the results for such interim periods. Operating results for the three-month periods are not necessarily indicative of the results that may be expected for the full fiscal year. The Company operates an internet-based lending platform to serve customers in need of cash to fulfill their financial responsibilities. Through a network of direct and indirect marketing channels, the Company offers funds to its customers through a variety of unsecured loan and finance receivable products. The business is operated primarily through the internet to provide convenient, fully-automated financial solutions to its customers. The Company originates, guarantees or purchases consumer loans and provides financing to small businesses through a line of credit account or receivables purchase agreements product (“RPAs”). Consumer loans include short-term loans, line of credit accounts and installment loans. RPAs represent a right to receive future receivables from a small business. “Loans and finance receivables” include consumer loans, small business loans and RPAs. These financial statements and related notes should be read in conjunction with the Company’s audited consolidated financial statements as of December 31, 2015 and 2014 and for the years ended December 31, 2015, 2014 and 2013 and related notes, which are included on Form 10-K filed with the SEC on March 7, 2016. Restricted Cash The Company includes funds to be used for future debt payments relating to our securitization transactions and escrow deposits in restricted cash and cash equivalents. Revenue Recognition The Company recognizes revenue based on the financing products and services it offers. “Revenue” in the consolidated statements of income includes: interest income, finance charges, fees for services provided through the Company’s credit services organization and credit access business programs (“CSO programs”), or CSO fees, revenue on RPAs, service charges, draw fees, minimum billing fees, late fees and non-sufficient funds fees as permitted by applicable laws and pursuant to the agreement with the customer. For short-term loans that the Company offers, interest and finance charges are recognized on an effective yield basis over the term of the loan. For line of credit accounts, interest is recognized over the reporting period based upon the balance outstanding and the contractual interest rate, draw fees are recognized on an effective yield basis over the estimated outstanding period of the draw, and minimum billing fees are recognized when assessed to the customer. For installment loans, interest is recognized on an effective yield basis over the term of the loan. For RPAs, revenue is recognized on an effective yield basis over the projected delivery term of the agreements and fees are recognized when assessed. CSO fees are recognized on an effective yield basis over the term of the loan. Late and nonsufficient funds fees are recognized when assessed to the customer. Direct costs associated with originating loans and purchasing RPAs, such as third-party customer acquisition costs, are deferred and amortized against revenue on an effective yield basis over the term of the loan or Adopted In November 2015, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) 2015-17, Balance Sheet Classification of Deferred Taxes The Company adopted In June 2015, the FASB issued ASU 2015-10, Technical Corrections and Improvements In April 2015, the FASB issued ASU 2015‑05, Customer’s Accounting for Fees Paid in a Cloud Computing Arrangement Internal-Use Software In April 2015, the FASB issued ASU 2015-03, Simplifying the Presentation of Debt Issuance Costs Presentation and subsequent measurement of Debt Issuance Costs Associated with Line-of-Credit Arrangements, In February 2015, the FASB issued ASU No. 2015-02, Consolidation (Topic 810) - Amendments to the Consolidation Analysis Accounting Standards to be Adopted in Future Periods In March 2016, the FASB issued ASU 2016-09, Improvements to Employee Share-Based Payment Accounting In February 2016, the FASB issued ASU 2016-02, Leases (Topic 842) In January 2016, the FASB issued ASU 2016-01, Financial Instruments—Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities (“ASU 2016‑01”), which requires that equity investments, except for those accounted for under the equity method or those that result in consolidation of the investee, be measured at fair value, with subsequent changes in fair value recognized in net income. However, an entity may choose to measure equity investments that do not have readily determinable fair values at cost minus impairment, if any, plus or minus changes resulting from observable price changes in orderly transactions for the identical or a similar investment of the same issuer. ASU 2016-01 also impacts the presentation and disclosure requirements for financial instruments. ASU 2016-01 is effective for public business entities for annual periods, and interim periods within those annual periods, beginning after December 15, 2017. Early adoption is permitted only for certain provisions. The Company does not expect that the adoption of ASU 2016-01 will have a material effect on its consolidated financial statements. In August 2014, the FASB issued ASU 2014-15, Disclosure of Uncertainties about an Entity’s Ability to Continue as a Going Concern In May 2014, the FASB issued ASU No. 2014-09, Revenue from Contracts with Customers (Topic 606) Principal versus Agent Considerations (Reporting Revenue Gross versus Net) Identifying Performance Obligations and Licensing

Acquisitions

Acquisitions	3 Months Ended
	Mar. 31, 2016
Business Combinations [Abstract]
Acquisitions	2. Acquisitions On June 23, 2015, the Company completed the purchase of certain assets of a company operating as The Business Backer, LLC, which purchases discounted future accounts receivables from small businesses in the United States through RPAs. The total consideration of $26.4 million was comprised of $17.7 million in cash at closing, a $3.0 million promissory note (included in “Accounts payable and accrued expenses” in the consolidated balance sheets) and estimated contingent consideration of $5.7 million based on future earn-out opportunities. The contingent purchase consideration was recorded at its estimated fair value at the date of acquisition based upon the Company’s assessment of the probable earnings attributable to the business as defined in the purchase agreement. To the extent operating results exceed the Company’s estimate, additional contingent consideration would be due, however the total consideration paid may not exceed $71 million. This purchase was not material to the Company’s consolidated financial statements. The operating results of the purchased assets, which were not material, have been included in the Company’s consolidated financial statements from the date of acquisition.

Loans and Finance Receivables,

Loans and Finance Receivables, Credit Quality Information and Allowances and Liabilities for Estimated Losses on Loans and Finance Receivables	3 Months Ended
	Mar. 31, 2016
Receivables [Abstract]
Loans and Finance Receivables, Credit Quality Information and Allowances and Liabilities for Estimated Losses on Loans and Finance Receivables	3. Loans and Finance Receivables, Credit Quality Information and Allowances and Liabilities for Estimated Losses on Loans and Finance Receivables Revenue generated from the Company’s loans and finance receivables for the three months ended March 31, 2016 and 2015 was as follows (dollars in thousands): Three Months Ended March 31, 2016 2015 Short-term loans $ 47,598 $ 50,861 Line of credit accounts 48,973 55,653 Installment loans and RPAs 77,506 58,757 Total loans and finance receivables revenue 174,077 165,271 Other 576 405 Total revenue $ 174,653 $ 165,676 Current and Delinquent Loans and Finance Receivables The Company classifies its loans and finance receivables as either current or delinquent. Short-term loans are considered delinquent when payment of an amount due is not made as of the due date. If a line of credit account or installment loan customer misses one payment, that payment is considered delinquent and the balance of the loan is considered current. The Company does not accrue interest on the delinquent payment portion of the loan but does continue to accrue interest on the remaining portion of the loan. If a line of credit account or installment loan customer does not make two consecutive payments, the entire account or loan is classified as delinquent and placed on a non-accrual status. The Company allows for normal payment processing time before considering a loan delinquent but does not provide for any additional grace period. The Company does not accrue interest on delinquent loans and does not resume accrual of interest on a delinquent loan unless it is returned to current status. In addition, delinquent loans generally may not be renewed, and if, during its attempt to collect on a delinquent loan, the Company allows additional time for payment through a payment plan or a promise to pay, it is still considered delinquent. Generally, all payments received are first applied against accrued but unpaid interest and fees and then against the principal balance of the loan. Allowance and Liability for Estimated Losses on Loans and Finance Receivables The Company monitors the performance of its loan and finance receivable portfolios and maintains either an allowance or liability for estimated losses on loans and finance receivables (including revenue, fees and/or interest) at a level estimated to be adequate to absorb losses inherent in the portfolio. The allowance for losses on the Company’s owned loans and finance receivables reduces the outstanding loans and finance receivables balance in the consolidated balance sheets. The liability for estimated losses related to loans guaranteed under its CSO programs is initially recorded at fair value and is included in “Accounts payable and accrued expenses” in the consolidated balance sheets. In determining the allowance or liability for estimated losses on loans and finance receivables, the Company applies a documented systematic methodology. In calculating the allowance or liability for receivable losses, outstanding loans and finance receivables are divided into discrete groups of short-term loans, line of credit accounts, installment loans and RPAs and are analyzed as current or delinquent. Increases in either the allowance or the liability, net of charge-offs and recoveries, are recorded as a “Cost of revenue” in the consolidated statements of income. The allowance or liability for short-term loans classified as current is based on historical loss rates adjusted for recent default trends for current loans. For delinquent short-term loans, the allowance or liability is based on a six-month rolling average of loss rates by stage of collection. For line of credit account and installment loan and RPA portfolios, the Company generally uses a migration analysis to estimate losses inherent in the portfolio. The allowance or liability calculation under the migration analysis is based on historical charge-off experience and the loss emergence period, which represents the average amount of time between the first occurrence of a loss event and the charge-off of a loan or RPA. The factors the Company considers to assess the adequacy of the allowance or liability include past due performance, historical behavior of monthly vintages, underwriting changes and recent trends in delinquency in the migration analysis. The Company fully reserves for loans and finance receivables once the receivable or a portion of the receivable has been classified as delinquent for 60 consecutive days and generally charges off loans and finance receivables between 60 – 65 days delinquent. If a loan or finance receivable is deemed uncollectible before it is fully reserved, it is charged off at that point. Loans and finance receivables classified as delinquent generally have an age of one to 64 days from the date any portion of the receivable became delinquent, as defined above. Recoveries on loans and finance receivables previously charged to the allowance are credited to the allowance when collected. The components of Company-owned loans and finance receivables at March 31, 2016 and 2015 and December 31, 2015 were as follows (dollars in thousands): As of March 31, 2016 Short-term Line of Credit Installment Loans and Loans Accounts RPAs Total Current receivables $ 36,263 $ 91,482 $ 317,467 $ 445,212 Delinquent receivables: Delinquent payment amounts (1) — 3,105 1,469 4,574 Receivables on non-accrual status 16,118 3,764 26,238 46,120 Total delinquent receivables 16,118 6,869 27,707 50,694 Total loans and finance receivables, gross 52,381 98,351 345,174 495,906 Less: Allowance for losses (11,693 ) (15,284 ) (40,727 ) (67,704 ) Loans and finance receivables, net $ 40,688 $ 83,067 $ 304,447 $ 428,202 As of March 31, 2015 Short-term Line of Credit Installment Loans and Loans Accounts RPAs Total Current receivables $ 31,678 $ 69,912 $ 187,639 $ 289,229 Delinquent receivables: Delinquent payment amounts (1) — 3,158 1,302 4,460 Receivables on non-accrual status 17,334 3,126 16,126 36,586 Total delinquent receivables 17,334 6,284 17,428 41,046 Total loans and finance receivables, gross 49,012 76,196 205,067 330,275 Less: Allowance for losses (12,744 ) (12,340 ) (26,136 ) (51,220 ) Loans and finance receivables, net $ 36,268 $ 63,856 $ 178,931 $ 279,055 As of December 31, 2015 Short-term Line of Credit Installment Loans and Loans Accounts RPAs Total Current receivables $ 37,951 $ 92,732 $ 317,231 $ 447,914 Delinquent receivables: Delinquent payment amounts (1) — 3,072 1,510 4,582 Receivables on non-accrual status 20,842 5,051 23,566 49,459 Total delinquent receivables 20,842 8,123 25,076 54,041 Total loans and finance receivables, gross 58,793 100,855 342,307 501,955 Less: Allowance for losses (14,652 ) (15,727 ) (36,943 ) (67,322 ) Loans and finance receivables, net $ 44,141 $ 85,128 $ 305,364 $ 434,633 (1) Represents the delinquent portion of installment loans and line of credit account balances for customers that have only missed one payment. See “Current and Delinquent Loans and Finance Receivables” above for additional information. Changes in the allowance for losses for the Company-owned loans and finance receivables and the liability for losses on the Company’s guarantees of third-party lender-owned loans during the three months ended March 31, 2016 and 2015 were as follows (dollars in thousands): Three Months Ended March 31, 2016 Short-term Line of Credit Installment Loans and Loans Accounts RPAs Total Allowance for losses for Company-owned loans and finance receivables: Balance at beginning of period $ 14,652 $ 15,727 $ 36,943 $ 67,322 Cost of revenue 13,669 16,471 40,011 70,151 Charge-offs (21,576 ) (20,599 ) (42,799 ) (84,974 ) Recoveries 5,036 3,685 6,258 14,979 Effect of foreign currency translation (88 ) — 314 226 Balance at end of period $ 11,693 $ 15,284 $ 40,727 $ 67,704 Liability for third-party lender-owned loans: Balance at beginning of period $ 1,298 $ — $ 458 $ 1,756 Decrease in liability (393 ) — (181 ) (574 ) Balance at end of period $ 905 $ — $ 277 $ 1,182 Three Months Ended March 31, 2015 Short-term Line of Credit Installment Loans and Loans Accounts RPAs Total Allowance for losses for Company-owned loans and finance receivables: Balance at beginning of period $ 14,324 $ 19,749 $ 30,875 $ 64,948 Cost of revenue 12,512 7,813 18,876 39,201 Charge-offs (19,778 ) (20,833 ) (29,882 ) (70,493 ) Recoveries 5,870 5,907 6,580 18,357 Effect of foreign currency translation (184 ) (296 ) (313 ) (793 ) Balance at end of period $ 12,744 $ 12,340 $ 26,136 $ 51,220 Liability for third-party lender-owned loans: Balance at beginning of period $ 1,575 $ — $ 1 $ 1,576 (Decrease) increase in liability (669 ) — 38 (631 ) Balance at end of period $ 906 $ — $ 39 $ 945 Guarantees of Consumer Loans In connection with its CSO programs, the Company guarantees consumer loan payment obligations to unrelated third-party lenders for short-term and installment loans and is required to purchase any defaulted loans it has guaranteed. The guarantee represents an obligation to purchase specific loans that go into default. As of March 31, 2016 and 2015 and December 31, 2015, the amount of consumer loans guaranteed by the Company was $26.7 million, $25.4 million and $34.1 million, respectively, representing amounts due under consumer loans originated by third-party lenders under the CSO programs. The estimated fair value of the liability for estimated losses on consumer loans guaranteed by the Company of $1.2 million, $0.9 million and $1.7 million, as of March 31, 2016 and 2015 and December 31, 2015, respectively, is included in “Accounts payable and accrued expenses” in the consolidated balance sheets.

Investment in Unconsolidated In

Investment in Unconsolidated Investee	3 Months Ended
	Mar. 31, 2016
Investments All Other Investments [Abstract]
Investment in Unconsolidated Investee	4. Investment in Unconsolidated Investee The Company records an investment in the preferred stock of a privately-held developing small business financial services entity under the cost method. The carrying value of the Company’s investment in this unconsolidated investee was $6.7 million as of March 31, 2016 and 2015 and December 31, 2015, and was held in “Other assets” in the Company’s consolidated balance sheets. The Company evaluates this investment for impairment if an event occurs or circumstances change that would more likely than not reduce the fair value of the investment below carrying value. Based on the Company’s most recent evaluation of this investment, the Company determined that an impairment loss was not probable at that date.

Long-term Debt

Long-term Debt	3 Months Ended
	Mar. 31, 2016
Debt Disclosure [Abstract]
Long-term Debt	5. Long-term debt The Company’s long-term debt instruments and balances outstanding as of March 31, 2016 and 2015 and December 31, 2015 were as follows (dollars in thousands): March 31, December 31, 2016 2015 2015 Securitization notes $ 113,913 $ — $ — Revolving line of credit — — 58,400 Senior Notes 495,049 494,347 494,867 Subtotal 608,962 494,347 553,267 Less long-term debt issuance costs 14,548 12,930 11,358 Total long-term debt $ 594,414 $ 481,417 $ 541,909 Consumer Loan Securitization On January 15, 2016, the Company and certain of its subsidiaries entered into a receivables securitization (the “2016-1 Securitization Facility”) with certain purchasers, Jefferies Funding LLC, as administrative agent and Bankers Trust Company, as indenture trustee and securities intermediary. The 2016-1 Securitization Facility securitizes unsecured consumer installment loans (“Receivables”) that have been, or will be, originated or acquired under the Company’s NetCredit brand and that meet specified eligibility criteria. Under the 2016-1 Securitization Facility, Receivables are sold to a wholly-owned special purpose subsidiary (the “Issuer”) and serviced by another subsidiary. The Issuer issued an initial term note of $107.4 million (the “Initial Term Note”), which was secured by $134 million in unsecured consumer loans, and variable funding notes (the “Variable Funding Notes”) with an aggregate availability of $20 million per month. As described below, the Issuer will subsequently issue term notes (the “Term Notes” and, together with the Initial Term Note and the Variable Funding Notes, the “Securitization Notes”). The maximum principal amount of the Securitization Notes that may be outstanding at any time under the 2016-1 Securitization Facility is limited to $175 million. At the end of each month during the nine-month revolving period, the Receivables funded by the Variable Funding Notes will be refinanced through the creation of two Term Notes, which Term Notes will be issued to the holders of the Variable Funding Notes. The non-recourse Securitization Notes mature at various dates, the latest of which will be October 15, 2020 (the “Final Maturity Date”). The Securitization Notes are issued pursuant to an indenture, dated as of January 15, 2016. The Securitization Notes bear interest at an annual rate equal to the one month London Interbank Offered Rate (“LIBOR”) (subject to a floor of 1%) plus 7.75%, which rate is initially 8.75%. In addition, the Issuer paid certain customary upfront closing fees and will pay customary annual commitment and other fees to the purchasers under the 2016-1 Securitization Facility. Subject to certain exceptions, the Issuer is not permitted to prepay or redeem any outstanding Securitization Notes prior to October 17, 2016. Following such date, the Issuer is permitted to voluntarily prepay any outstanding Securitization Notes, subject to an optional redemption premium. Interest and principal payments on outstanding Securitization Notes will be made monthly. Any remaining amounts outstanding will be payable no later than the Final Maturity Date. All amounts due under the Securitization Notes are secured by all of the Issuer’s assets, which include the Receivables transferred to the Issuer, related rights under the Receivables, specified bank accounts, and certain other related collateral. The 2016-1 Securitization Facility documents contain customary provisions for securitizations, including: representations and warranties as to the eligibility of the Receivables and other matters; indemnification for specified losses not including losses due to the inability of consumers to repay their loans; covenants regarding special purpose entity matters and other subjects; and default and termination provisions which provide for the acceleration of the Securitization Notes under the 2016-1 Securitization Facility in circumstances including, but not limited to, failure to make payments when due, servicer defaults, certain insolvency events, breaches of representations, warranties or covenants, failure to maintain the security interest in the receivables, and defaults under other material indebtedness. As of March 31, 2016, the carrying amount of the 2016-1 Securitization Facility was $110.2 million, which included unamortized issuance costs of $3.7 million. The issuance costs are being amortized to interest expense over a period of four years. The total interest expense recognized was $3.1 million of which $1.0 million represented the non-cash amortization of the issuance costs for the three months ended March 31, 2016. $40.0 Million Revolving Credit Facility On May 14, 2014, the Company and its domestic subsidiaries as guarantors entered into a credit agreement among the Company, the guarantors, Jefferies Finance LLC as administrative agent and Jefferies Group LLC as lender (the “Credit Agreement”). The Credit Agreement was amended on March 25, 2015 and November 5, 2015. On December 29, 2015, the Company and certain of its domestic subsidiaries, as guarantors, entered into a third amendment to the Credit Agreement, which temporarily increased the Company’s revolving line of credit to $75 million, an increase of $15.0 million ($5.0 million on December 29, 2015 and $10.0 million on January 4, 2016). Once the Company received the proceeds from the consumer loan securitization financing in January 2016, it repaid the outstanding balance on the revolving line of credit in full and, in accordance with the terms of the amendment, the revolving commitment amount was reduced to $40.0 million. The Company had no outstanding borrowings under the Credit Agreement as of March 31, 2016 and 2015 and $58.4 million outstanding under the Credit Agreement as of December 31, 2015. The Company had outstanding letters of credit of $6.6 million under its Credit Agreement as of March 31, 2016 and 2015 and December 31, 2015. In connection with the issuance of the Credit Agreement, the Company incurred debt issuance costs of approximately $1.6 million, which primarily consisted of underwriting fees and legal expenses. The unamortized balance of these costs as of March 31, 2016 is included in “Other assets” in the consolidated balance sheets. These costs are being amortized to interest expense over a period of 37 months, the term of the Credit Agreement. $500.0 Million 9.75% Senior Unsecured Notes On May 30, 2014, the Company issued and sold $500.0 million in aggregate principal amount of 9.75% Senior Notes due 2021 (the “Senior Notes”). The Senior Notes bear interest at a rate of 9.75% annually on the principal amount payable semi-annually in arrears on June 1 and December 1 of each year, beginning on December 1, 2014. The Senior Notes were sold at a discount of the principal amount to yield 10.0% to maturity and will mature on June 1, 2021. As of March 31, 2016 and 2015, the carrying amount of the Senior Notes was $484.2 million and $481.4 million, respectively, which included an unamortized discount of $5.0 million and $5.7 million, respectively, and unamortized issuance costs of $10.8 million and $12.9 million, respectively. The discount and issuance costs are being amortized to interest expense over a period of seven years, through the maturity date of June 1, 2021. The total interest expense recognized was $12.9 million and $12.9 million of which $0.2 million represented the non-cash amortization of the discount and $0.5 million represented the non-cash amortization of the issuance costs for the three months ended March 31, 2016 and 2015. Weighted-average interest rates on long-term debt were 10.81% and 10.71% during the three months ended March 31, 2016 and 2015, respectively. As of March 31, 2016 and 2015 and December 31, 2015, the Company was in compliance with all covenants and other requirements set forth in the prevailing long-term debt agreement(s).

Income Taxes

Income Taxes	3 Months Ended
	Mar. 31, 2016
Income Tax Disclosure [Abstract]
Income Taxes	6. Income Taxes In the preparation and review of its income tax provision for the three months ended March 31, 2016, the Company identified an error in the income tax provision for the twelve months ended December 31, 2015 in which the Company did not recognize additional tax expense related to the significant decline in the intrinsic value of restricted stock units that vested in December 2015 and thus overstated the deferred tax asset related to those units. The Company recorded an $887 thousand increase in Provision for income taxes in 2016 as an out of period adjustment. The Company believes this correction of an error was not material to the previously-issued full year 2015 consolidated financial statements. The effective tax rate for the three months ended March 31, 2016 increased to 43.6% from 38.4% for the three months ended March 31, 2015, primarily as a result of the adjustment to the deferred tax asset.

Earnings Per Share

Earnings Per Share	3 Months Ended
	Mar. 31, 2016
Earnings Per Share [Abstract]
Earnings Per Share	7 . Earnings Per Share Basic earnings per share is computed by dividing net income by the weighted average number of common shares outstanding during the period. Diluted earnings per share is calculated by giving effect to the potential dilution that could occur if securities or other contracts to issue common shares were exercised and converted into common shares during the period. Restricted stock units issued under the Company’s stock-based employee compensation plans are included in diluted shares upon the granting of the awards even though the vesting of shares will occur over time. The following table sets forth the reconciliation of numerators and denominators of basic and diluted earnings per share computations for the three months ended March 31, 2016 and 2015 (in thousands, except per share amounts): Three Months Ended March 31, 2016 2015 Numerator: Net income $ 9,863 $ 24,530 Denominator: Total weighted average basic shares 33,142 33,000 Shares applicable to stock-based compensation 45 8 Total weighted average diluted shares 33,187 33,008 Net income – basic $ 0.30 $ 0.74 Net income – diluted $ 0.30 $ 0.74 For the three months ended March 31, 2016 and 2015, 1,947,614 and 1,527,042 shares of common stock underlying stock options, respectively, and 821,756 and 50,610 shares of common stock underlying restricted stock units, respectively, were excluded from the calculation of diluted net income per share because their effect would have been antidilutive.

Operating Segment Information

Operating Segment Information	3 Months Ended
	Mar. 31, 2016
Segment Reporting [Abstract]
Operating Segment Information	8 . Operating Segment Information The Company provides online financial services to alternative credit consumers and small businesses in the United States, United Kingdom, Australia, Canada, and Brazil and has one reportable segment, which is composed of the Company’s domestic and international operations and corporate services. The Company has aggregated all components of its business into a single reportable segment based on the similarities of the economic characteristics, the nature of the products and services, the nature of the production and distribution methods, the type of customer and the nature of the regulatory environment. During the first quarter of 2016, the Company changed the presentation of its operational information to report shared corporate services separately from its domestic and international operations. Corporate services expenses, which were previously allocated between domestic and international based on revenue, is included under the “Corporate Services” heading in the following tables. For comparison purposes, income (loss) from operations and depreciation and amortization expenses for the prior period has been conformed to the current presentation. Corporate Services primarily includes personnel, occupancy and other operating expenses for shared functions, such as executive management, technology, analytics, business development, legal and licensing, compliance, risk management, internal audit, human resources, payroll, treasury, finance, accounting, and tax. Corporate Services assets primarily include: corporate property and equipment, nonqualified savings plan assets, marketable securities, restricted cash and prepaid expenses. The following tables present information on the Company’s domestic and international operations as of and for the three months ended March 31, 2016 and 2015 (dollars in thousands): Three Months Ended March 31, 2016 2015 Revenue Domestic $ 143,428 $ 119,053 International 31,225 46,623 Total revenue $ 174,653 $ 165,676 Income from operations Domestic $ 55,582 $ 57,183 International 3,151 23,937 Corporate services (26,884 ) (27,031 ) Total income from operations $ 31,849 $ 54,089 Depreciation and amortization Domestic $ 1,582 $ 2,485 International 605 523 Corporate services 1,800 2,275 Total depreciation and amortization $ 3,987 $ 5,283 Expenditures for property and equipment Domestic $ 769 $ 2,170 International 804 94 Corporate services 657 9,308 Total expenditures for property and equipment $ 2,230 $ 11,572 March 31, 2016 2015 Property and equipment, net Domestic $ 15,696 $ 14,593 International 5,562 5,066 Corporate services 24,482 20,598 Total property and equipment, net $ 45,740 $ 40,257 Assets Domestic $ 707,176 $ 502,596 International 114,858 190,355 Corporate services 93,142 56,944 Total assets $ 915,176 $ 749,895 Geographic Information The following table presents the Company’s revenue by geographic region for the three months ended March 31, 2016 and 2015 (dollars in thousands): Three Months Ended March 31, 2016 2015 Revenue United States $ 143,428 $ 119,053 United Kingdom 25,909 44,336 Other international countries 5,316 2,287 Total revenue $ 174,653 $ 165,676 The Company’s long-lived assets, which consist of the Company’s property and equipment, were $45.7 million and $40.3 million at March 31, 2016 and 2015, respectively. The operations for the Company’s domestic and international businesses are primarily located within the United States, and the value of any long-lived assets located outside of the United States is immaterial.

Commitments and Contingencies

Commitments and Contingencies	3 Months Ended
	Mar. 31, 2016
Commitments And Contingencies Disclosure [Abstract]
Commitments and Contingencies	9 . Commitments and Contingencies Litigation On March 8, 2013, Flemming Kristensen, on behalf of himself and others similarly situated, filed a purported class action lawsuit in the U.S. District Court of Nevada against the Company and other unaffiliated lenders and lead providers. The lawsuit alleges that the lead provider defendants sent unauthorized text messages to consumers on behalf of the Company and the other lender defendants in violation of the Telephone Consumer Protection Act. The complaint seeks class certification, statutory damages, an injunction against “wireless spam activities,” and attorneys’ fees and costs. The Company filed an answer to the complaint denying all liability. On March 26, 2014, the Court granted class certification. On July 20, 2015, the court granted the Company’s motion for summary judgment, denied Plaintiff’s motion for summary judgment and, on July 21, 2015, entered judgment in favor of the Company. Plaintiff filed a motion for reconsideration, which was denied. On May 3, 2016, Plaintiff filed a notice of appeal of the order granting summary judgment for the Company, the judgment in favor of the company, and the order denying Plaintiff’s motion to reconsider. Neither the likelihood of an unfavorable appellate decision nor the ultimate liability, if any, with respect to this matter can be determined at this time, and the Company is currently unable to estimate a range of reasonably possible losses, as defined by ASC 450-20-20, Contingencies–Loss Contingencies–Glossary, for this litigation. The Company believes that the plaintiff’s claims in the complaint are without merit and intends to vigorously defend this lawsuit. The Company is also a defendant in certain routine litigation matters encountered in the ordinary course of its business. Certain of these matters may be covered to an extent by insurance. In the opinion of management, the resolution of these matters will not have a material adverse effect on the Company’s financial position, results of operations or liquidity. Headquarters Relocation During 2014 the Company accelerated the lease expiration date for approximately 86,000 rentable square feet at its prior headquarters office space effective June 30, 2015. As a result, the Company recognized an expense of $1.4 million in the year ended December 31, 2014 related to a lease termination penalty. The Company relocated to its current headquarters in 2015 and recognized additional expense of $3.7 million which was included as “General and administrative expense” and consisted of a lease exit liability of $2.9 million for the remaining lease payments, net of estimated sublease income of $1.7 million, and $0.8 million for the removal of property and restoration costs related to the prior headquarters lease. The Company does not expect to incur further material costs related to the relocations. The following table is a summary of the exit and disposal activity and liability balances as a result of the headquarters relocation (in thousands): Lease Termination Costs Other Exit Costs Total Balance at January 1, 2015 $ 707 $ — $ 707 Payments (707 ) — (707 ) Balance at March 31, 2015 $ — $ — $ — Balance at January 1, 2016 $ 1,425 $ 204 $ 1,629 Payments (176 ) — (176 ) Adjustments 47 (69 ) (22 ) Balance at March 31, 2016 $ 1,296 $ 135 $ 1,431

Derivative Instruments

Derivative Instruments	3 Months Ended
	Mar. 31, 2016
Derivative Instruments And Hedging Activities Disclosure [Abstract]
Derivative Instruments	10 . Derivative Instruments The Company periodically uses derivative instruments to manage risk from changes in market conditions that may affect the Company’s financial performance. The Company primarily uses derivative instruments to manage its primary market risks, which are interest rate risk and foreign currency exchange rate risk. The Company periodically uses forward currency exchange contracts to minimize the effects of foreign currency risk in the United Kingdom. The forward currency exchange contracts are non-designated derivatives. Any gain or loss resulting from these contracts is recorded as income or loss and is included in “Foreign currency transaction gain (loss)” in the Company’s consolidated statements of income. The Company currently does not manage its exposure to risk from foreign currency exchange rate fluctuations through the use of forward currency exchange contracts in Australia, Canada, or Brazil. The Company’s derivative instruments are presented in its financial statements on a net basis. The Company had no outstanding derivative instruments as of March 31, 2016. The following table presents information related to the Company’s derivative instruments as of March 31, 2015 and December 31, 2015 (dollars in thousands): Non-designated derivatives: As of March 31, 2015 Gross Amounts Gross Amounts Net Amounts of Assets of Recognized Offset in the Presented in the Notional Financial Consolidated Consolidated Balance Forward currency exchange contracts Amount Instruments Balance Sheets (1) Sheets (2) Assets $ — $ — $ — $ — Liabilities $ 35,793 $ 125 $ — $ 125 As of December 31, 2015 Gross Amounts Gross Amounts Net Amounts of Assets of Recognized Offset in the Presented in the Notional Financial Consolidated Consolidated Balance Forward currency exchange contracts Amount Instruments Balance Sheets (1) Sheets (2) Assets $ 58,723 $ 151 $ — $ 151 Liabilities $ — $ — $ — $ — (1) As of March 31, 2015 and December 31, 2015, the Company had no gross amounts of recognized derivative instruments that the Company makes an accounting policy election not to offset. In addition, there is no financial collateral related to the Company’s derivatives. The Company has no assets or liabilities that are subject to an enforceable master netting agreement or similar arrangement. (2) Represents the fair value of forward currency contracts, which is recorded in “Accounts payable and accrued expenses” in the consolidated balance sheets. The following table presents information on the effect of derivative instruments on the consolidated results of operations and accumulated other comprehensive income (“AOCI”) for the three months ended March 31, 2016 and 2015 (dollars in thousands): Gains (Losses) Gains (Losses) Recognized in Gains (Losses) Reclassified From Income Recognized in AOCI AOCI into Income Three Months Ended Three Months Ended Three Months Ended March 31, March 31, March 31, 2016 2015 2016 2015 2016 2015 Non-designated derivatives: Forward currency exchange contracts (1) $ 3,020 $ 3,927 $ — $ — $ — $ — Total $ 3,020 $ 3,927 $ — $ — $ — $ — (1) The gains (losses) on these derivatives substantially offset the (losses) gains on the economically hedged portion of the foreign intercompany balances.

Related Party Transactions

Related Party Transactions	3 Months Ended
	Mar. 31, 2016
Related Party Transactions [Abstract]
Related Party Transactions	1 1 . Related Party Transactions A current officer of the Company has an ongoing ownership interest in the small business from which the Company acquired certain assets and assumed certain liabilities in June 2015 (see Note 2 for additional information). In the normal course of business, the Company attains certain customer relationships from the small business by entering into transactions with the customers to obtain additional RPA financing. In these transactions, the Company satisfies the customer’s existing RPA balance with the small business which terminates such customer’s responsibilities to the small business. During the three months ended March 31, 2016, the Company paid $0.3 million to the small business to satisfy customers’ existing RPA balances. Pursuant to the acquisition, a subsidiary of the Company issued a promissory note to the small business in the amount of $3.0 million (the “Promissory Note”) and granted the company an opportunity to earn certain contingent purchase consideration (see Note 2 for additional information ), both of which are guaranteed by the Company. The Promissory Note accrues interest at a rate of 4.0% per annum and will mature on June 23, 2018. During the three months ended March 31, 2016, the Company incurred interest expense of $30 thousand related to the Promissory Note. In addition, as a condition precedent to the acquisition, a subsidiary of the Company executed a Transition Services Agreement with the small business from which the Company acquired certain assets whereby it agreed to provide certain transition services to the business for three years following the acquisition. During the three months ended March 31, 2016, the Company was paid $37 thousand for such services. After the Spin-off, Cash America charged the Company a transition services fee related to utilization of financial reporting systems and accounts payable processing that was included in general and administrative expenses. The Company recorded $0.2 million in expense for these services for the three months ended March 31, 2015. The Company transitioned to its own financial reporting system in late 2015 and the transition services agreement with Cash America ended on December 31, 2015. The Company and Cash America entered into an agreement in conjunction with the Spin-off for the Company to administer the consumer loan underwriting model utilized by Cash America’s Retail Services Division in exchange for the reimbursement of the Company’s direct third-party costs incurred in providing the service. The Company received $0.2 million and $0.3 million for the three months ended March 31, 2016 and 2015, respectively, pursuant to this agreement. Since May 30, 2014, amounts due from or due to Cash America have been settled a month in arrears. The balance due from Cash America of $0.1 million as of each of March 31, 2016 and 2015 and December 31, 2015 is included in “Other receivables and prepaid expenses” in the consolidated balance sheets.

Variable Interest Entities

Variable Interest Entities	3 Months Ended
	Mar. 31, 2016
Variable Interest Entities [Abstract]
Variable Interest Entities	12. Variable Interest Entities As part of the Company’s overall funding strategy and as part of its efforts to support its liquidity from sources other than its traditional capital market sources, the Company has established a securitization program through the 2016-1 Securitization Facility. The Company transferred certain consumer loan receivables to wholly owned, bankruptcy-remote special purpose subsidiaries (VIEs), which issue term notes backed by the underlying consumer loan receivables and are serviced by another wholly owned subsidiary. The Company is required to evaluate the VIEs for consolidation. The Company has the ability to direct the activities of the VIEs that most significantly impact the economic performance of the entities as the servicer of the securitized loan receivables. Additionally, the Company has the right to receive residual payments, which expose it to potentially significant losses and returns. Accordingly, the Company determined it is the primary beneficiary of the VIEs and is required to consolidate them. The assets and liabilities related to the VIEs are included in the Company’s consolidated financial statements and are accounted for as secured borrowings. The Company parenthetically discloses on its consolidated balance sheets the VIE’s assets that can only be used to settle the VIE’s obligations and the VIE liabilities if the VIE’s creditors have no recourse against the Company’s general credit. The carrying amounts of consolidated VIE assets and liabilities associated with the Company’s securitization entities were as follows: March 31, December 31, 2016 2015 2015 Assets Loans and finance receivables, net $ 138,255 $ — $ — Restricted cash and cash equivalents 13,717 — — Total assets $ 151,972 $ — $ — Liabilities Accounts payable and accrued expenses $ 591 $ — $ — Long-term debt 110,199 — — Total liabilities $ 110,790 $ — $ —

Fair Value Measurements

Fair Value Measurements	3 Months Ended
	Mar. 31, 2016
Fair Value Disclosures [Abstract]
Fair Value Measurements	1 3 . Fair Value Measurements Recurring Fair Value Measurements In accordance with ASC 820, Fair Value Measurements and Disclosures, certain of the Company’s assets and liabilities, which are carried at fair value, are classified in one of the following three categories: Level 1: Quoted market prices in active markets for identical assets or liabilities. Level 2: Observable market based inputs or unobservable inputs that are corroborated by market data. Level 3: Unobservable inputs that are not corroborated by market data. During the three months ended March 31, 2016 and 2015, there were no transfers of assets or liabilities in or out of Level 1, Level 2 or Level 3 fair value measurements. It is the Company’s policy to value any transfers between levels of the fair value hierarchy based on end of period fair values. The Company’s financial assets and liabilities that are measured at fair value on a recurring basis as of March 31, 2016 and 2015 and December 31, 2015 are as follows (dollars in thousands): March 31, Fair Value Measurements Using 2016 Level 1 Level 2 Level 3 Financial assets (liabilities): Non-qualified savings plan assets (1) 1,545 1,545 — — Contingent consideration (5,658 ) — — (5,658 ) Total $ (4,113 ) $ 1,545 $ — $ (5,658 ) March 31, Fair Value Measurements Using 2015 Level 1 Level 2 Level 3 Financial assets (liabilities): Forward currency exchange contracts $ (125 ) $ — $ (125 ) $ — Non-qualified savings plan assets (1) 1,158 1,158 — — Total $ 1,033 $ 1,158 $ (125 ) $ — December 31, Fair Value Measurements Using 2015 Level 1 Level 2 Level 3 Financial assets (liabilities): Forward currency exchange contracts $ 151 $ — $ 151 $ — Non-qualified savings plan assets (1) 1,075 1,075 — — Contingent consideration (5,658 ) — — (5,658 ) Total $ (4,432 ) $ 1,075 $ 151 $ (5,658 ) (1) The non-qualified savings plan assets are included in “Other receivables and prepaid expenses” in the Company’s consolidated balance sheets and have an offsetting liability of equal amount, which is included in “Accounts payable and accrued expenses” in the Company’s consolidated balance sheets. The Company measures the fair value of its forward currency exchange contracts under Level 2 inputs as defined by ASC 820. For these forward currency exchange contracts, current market rates are used to determine fair value. The significant inputs used in these models are derived from observable market rates. The fair value of the nonqualified savings plan assets are measured under a Level 1 input. These assets are publicly traded equity securities for which market prices are readily observable. The Company determined the fair value of the liability for the contingent consideration based on a probability-weighted discounted cash flow analysis. This analysis reflects the contractual terms of the purchase agreement and utilizes assumptions with regard to future earnings, probabilities of achieving such future earnings, the timing of expected payments and a discount rate. Significant increases with respect to assumptions as to future earnings and probabilities of achieving such future earnings would result in a higher fair value measurement while an increase in the discount rate would result in a lower fair value measurement. The fair value measurement is based on significant inputs not observable in the market and thus represents a Level 3 measurement as defined in the fair value hierarchy. The changes in the fair value of the contingent consideration, which is Fair Value Measurements Using Significant Unobservable Inputs (Level 3) Contingent consideration Total Balance at December 31, 2015 $ 5,658 $ 5,658 Adjustments — — Balance at March 31, 2016 $ 5,658 $ 5,658 Fair Value Measurements on a Non-Recurring Basis The Company measures non-financial assets and liabilities such as property and equipment and intangible assets at fair value on a non-recurring basis or when events or circumstances indicate that the carrying amount of the assets may be impaired. At March 31, 2016 and 2015 and December 31, 2015, there were no assets or liabilities recorded at fair value on a non-recurring basis. Financial Assets and Liabilities Not Measured at Fair Value The Company’s financial assets and liabilities as of March 31, 2016 and 2015 and December 31, 2015 that are not measured at fair value in the consolidated balance sheets are as follows (dollars in thousands): Balance at March 31, Fair Value Measurements Using 2016 Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents $ 112,211 $ 112,211 $ — $ — Short-term loans and line of credit accounts, net (1) 123,755 — — 123,755 Installment loans and RPAs, net (1)(4) 304,447 — — 283,871 Restricted cash (5) 20,908 20,908 — — Investment in unconsolidated investee (2)(3) 6,703 — — 6,703 Total $ 568,024 $ 133,119 $ — $ 414,329 Financial liabilities: Liability for estimated losses on consumer loans guaranteed by the Company $ 1,182 $ — $ — $ 1,182 Promissory note 3,000 — — 3,019 Securitization Notes 113,913 — 113,913 — Senior Notes 495,049 — 371,500 — Total $ 613,144 $ — $ 485,413 $ 4,201 Balance at March 31, Fair Value Measurements Using 2015 Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents $ 143,444 $ 143,444 $ — $ — Short-term loans and line of credit accounts, net (1) 100,124 — — 100,124 Installment loans and RPAs, net (1) 178,931 — — 178,931 Restricted cash 7,410 7,410 — — Investment in unconsolidated investee (2)(3) 6,703 — — 6,703 Total $ 436,612 $ 150,854 $ — $ 285,758 Financial liabilities: Liability for estimated losses on consumer loans guaranteed by the Company $ 945 $ — $ — $ 945 Senior Notes 494,347 — 475,000 — Total $ 495,292 $ — $ 475,000 $ 945 Balance at December 31, Fair Value Measurements Using 2015 Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents $ 42,066 $ 42,066 $ — $ — Short-term loans and line of credit accounts, net (1) 129,269 — — 129,269 Installment loans and RPAs, net (1) 305,364 — — 283,700 Restricted cash 7,379 7,379 — — Investment in unconsolidated investee (2)(3) 6,703 — — 6,703 Total $ 490,781 $ 49,445 $ — $ 419,672 Financial liabilities: Liability for estimated losses on consumer loans guaranteed by the Company $ 1,756 $ — $ — $ 1,756 Promissory note 3,000 — — 2,984 Credit agreement borrowings 58,400 — — 58,400 Senior Notes 494,867 — 374,500 — Total $ 558,023 $ — $ 374,500 $ 63,140 (1) Short-term loans, line of credit accounts, installment loans and RPAs are included in “Loans and finance receivables, net” in the consolidated balance sheets. (2) Investment in unconsolidated investee is included in “Other assets” in the consolidated balance sheets. (3) See Note 4 for additional information related to the investment in unconsolidated investee. (4) Installment loan and RPAs, net include $138.3 million in net assets of consolidated VIEs as of March 31, 2016. (5) Restricted cash includes $13.7 million in assets of consolidated VIEs as of March 31, 2016. Cash and cash equivalents and restricted cash bear interest at market rates and have original maturities of less than 90 days. The carrying amount of restricted cash and cash equivalents approximates fair value. Short-term loans, line of credit accounts, installment loans and RPAs are carried in the consolidated balance sheet net of the allowance for estimated losses, which is calculated by applying historical loss rates combined with recent default trends to the gross receivable balance. Short-term loans and line of credit accounts have relatively short maturity periods that are generally 12 months or less. The unobservable inputs used to calculate the fair value of these receivables include historical loss rates, recent default trends and estimated remaining loan term; therefore, the carrying value approximates the fair value. The fair value of installment loans and RPAs is estimated using discounted cash flow analyses, which consider interest rates on loans and discounts offered for receivables with similar terms to customers with similar credit quality, the timing of expected payments, estimated customer default rates and/or valuations of comparable portfolios. The fair value of the Company’s installment loans and RPAs is lower than the carrying value of these loans and finance receivables. Unsecured installment loans typically have terms between two and 60 months. RPAs typically have estimated delivery terms between six and 36 months. In connection with its CSO programs, the Company guarantees consumer loan payment obligations to unrelated third-party lenders for short-term and installment loans the Company arranges for consumers on the third-party lenders’ behalf and is required to purchase any defaulted loans it has guaranteed. The estimated fair value of the liability for estimated losses on consumer loans guaranteed by the Company was $1.2 million, $0.9 million and $1.7 million as of March 31, 2016 and 2015 and December 31, 2015, respectively. The Company measures the fair value of its liability for third-party lender-owned consumer loans under Level 3 inputs. The fair value of these liabilities is calculated by applying historical loss rates combined with recent default trends to the gross consumer loan balance. The unobservable inputs used to calculate the fair value of these loans include historical loss rates, recent default trends and estimated remaining loan terms; therefore, the carrying value of these liabilities approximates the fair value. The Company measures the fair value of the Promissory Note using Level 3 inputs. The fair value of the Promissory Note is estimated using a discounted cash flow analysis. As of March 31, 2016 and December 31, 2015, the Promissory Note had a lower fair value than the carrying value. The Company measures the fair value of its Securitization Notes using Level 2 inputs. The fair value of the Company’s Senior Notes is estimated based on quoted prices in markets that are not active. As of March 31, 2016, the fair value of the Company’s Securitization Notes approximated the carrying value. The Company measures the fair value of its Credit Agreement borrowings using Level 3 inputs. The Company considered the fair value of its other long-term debt and the timing of expected payment(s). As of December 31, 2015, the fair value of the Company’s Credit Agreement borrowings approximated the carrying value. The Company measures the fair value of its Senior Notes using Level 2 inputs. The fair value of the Company’s Senior Notes is estimated based on quoted prices in markets that are not active. As of March 31, 2016 and 2015 and December 31, 2015, the Company’s Senior Notes had a lower fair market value than the carrying value based on the price of the last trade of the Senior Notes. The Company measures the fair value of its investment in unconsolidated investee using Level 3 inputs. Because the unconsolidated investee is a private company and financial information is limited, the Company estimates the fair value based on the best available information at the measurement date. As of March 31, 2016 and 2015 and December 31, 2015 the Company estimated the fair value of its investment to be approximately equal to the book value.

Condensed Consolidating Financi

Condensed Consolidating Financial Statements	3 Months Ended
	Mar. 31, 2016
Condensed Financial Information Of Parent Company Only Disclosure [Abstract]
Condensed Consolidating Financial Statements	14. Condensed Consolidating Financial Statements The Company’s Notes are unconditionally guaranteed by certain of the Company’s subsidiaries (the “Guarantor Subsidiaries”) and are not secured by our other subsidiaries (the “Non-Guarantor Subsidiaries”). The Guarantor Subsidiaries are 100% owned, all guarantees are full and unconditional, and all guarantees are joint and several. As a result of the guarantee arrangements, we are required to present the following condensed consolidating financial statements. The condensed consolidating financial statements reflect the investments in subsidiaries of the Company using the equity method of accounting. The principal elimination entries eliminate investments in subsidiaries and intercompany balances and transactions. Condensed consolidating financial statements of Enova International, Inc. (the “Parent”), its Guarantor Subsidiaries and Non-Guarantor Subsidiaries as of March 31, 2016 and December 31, 2015 and for the three months ended March 31, 2016 are shown on the following pages. Such statements as of and for the periods ended March 31, 2015 are not presented as the Parent has no independent assets or operations and the Non-Guarantor Subsidiaries were minor (as defined in Rule 3-10(h)(6) of Regulation S-X of the Securities Act, having total assets, stockholders’ equity, revenue, income (loss) before taxes and cash flows from operating activities of less than 3% of the Company’s corresponding consolidated amounts). Total assets, income (loss) before taxes and cash flows from operating activities for the Non-Guarantor Subsidiaries exceeded the 3% threshold for the three months ended March 31, 2016, and as a result, the present condensed consolidating financial statements are provided. CONDENSED CONSOLIDATING BALANCE SHEETS As of March 31, 2016 (dollars in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Assets Cash and cash equivalents $ — $ 110,721 $ 1,490 $ — $ 112,211 Restricted cash — 7,191 13,717 — 20,908 Loans and finance receivables, net — 285,172 143,030 — 428,202 Income taxes receivable 42,513 (35,073 ) (4 ) — 7,436 Other receivables and prepaid expenses 131 18,487 192 — 18,810 Property and equipment, net — 45,404 336 — 45,740 Goodwill — 267,012 — — 267,012 Intangible assets, net — 6,214 7 — 6,221 Investment in subsidiaries 248,576 13,769 — (262,345 ) — Intercompany receivable 426,183 — — (426,183 ) — Other assets 767 7,869 — — 8,636 Total assets $ 718,170 $ 726,766 $ 158,768 $ (688,528 ) $ 915,176 Liabilities and Stockholders' Equity Accounts payable and accrued expenses $ 16,349 $ 56,572 $ 1,357 $ — $ 74,278 Intercompany payables — 384,495 41,688 (426,183 ) — Deferred tax liabilities, net — 29,146 (267 ) — 28,879 Long-term debt 484,216 — 110,198 — 594,414 Total liabilities 500,565 470,213 152,976 (426,183 ) 697,571 Commitments and contingencies Stockholders' equity 217,605 256,553 5,792 (262,345 ) 217,605 Total liabilities and stockholders' equity $ 718,170 $ 726,766 $ 158,768 $ (688,528 ) $ 915,176 CONDENSED CONSOLIDATING BALANCE SHEETS As of December 31, 2015 (dollars in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Assets Cash and cash equivalents $ — $ 40,927 $ 1,139 $ — $ 42,066 Restricted cash — 7,379 — — 7,379 Loans and finance receivables, net — 430,862 3,771 — 434,633 Income taxes receivable 37,201 (31,709 ) 11 — 5,503 Other receivables and prepaid expenses 162 19,791 96 — 20,049 Property and equipment, net — 47,821 234 — 48,055 Goodwill — 267,008 — — 267,008 Intangible assets, net — 6,532 8 — 6,540 Investment in subsidiaries 233,632 14,177 — (247,809 ) — Intercompany receivable 480,112 — 794 (480,906 ) — Other assets 2,284 7,020 — — 9,304 Total assets $ 753,391 $ 809,808 $ 6,053 $ (728,715 ) $ 840,537 Liabilities and Stockholders' Equity Accounts payable and accrued expenses $ 5,514 $ 66,220 $ 407 $ — $ 72,141 Intercompany payables — 480,906 — (480,906 ) — Deferred tax liabilities, net — 20,562 (43 ) — 20,519 Long-term debt 541,909 — — — 541,909 Total liabilities 547,423 567,688 364 (480,906 ) 634,569 Commitments and contingencies Stockholders' equity 205,968 242,120 5,689 (247,809 ) 205,968 Total liabilities and stockholders' equity $ 753,391 $ 809,808 $ 6,053 $ (728,715 ) $ 840,537 CONDENSED CONSOLIDATING STATEMENTS OF INCOME AND COMPREHENSIVE INCOME For the Three Months Ended March 31, 2016 (in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Revenue $ — $ 173,136 $ 2,206 $ (689 ) $ 174,653 Cost of Revenue — 66,445 3,132 — 69,577 Gross Profit — 106,691 (926 ) (689 ) 105,076 Expenses Marketing — 20,782 399 — 21,181 Operations and technology — 19,183 951 — 20,134 General and administrative 43 27,442 1,129 (689 ) 27,925 Depreciation and amortization — 3,968 19 — 3,987 Total Expenses 43 71,375 2,498 (689 ) 73,227 Income (Loss) from Operations (43 ) 35,316 (3,424 ) — 31,849 Interest expense, net (13,272 ) 425 (3,068 ) — (15,915 ) Foreign currency transaction gain 1,568 — — — 1,568 Income (Loss) before Income Taxes and Equity in Net Earnings of Subsidiaries (11,747 ) 35,741 (6,492 ) — 17,502 Provision for income taxes (5,127 ) 15,600 (2,834 ) — 7,639 Income (loss) before Equity in Net Earnings of Subsidiaries (6,620 ) 20,141 (3,658 ) — 9,863 Net earnings of subsidiaries 16,483 (3,658 ) — (12,825 ) — Net Income (Loss) $ 9,863 $ 16,483 $ (3,658 ) $ (12,825 ) $ 9,863 Other comprehensive (loss) gain, net of tax: Foreign currency translation (loss) gain (136 ) (648 ) 511 137 (136 ) Total other comprehensive (loss) gain, net of tax (136 ) (648 ) 511 137 (136 ) Comprehensive Income (Loss) $ 9,727 $ 15,835 $ (3,147 ) $ (12,688 ) $ 9,727 CONDENSED CONSOLIDATING STATEMENTS OF CASH FLOWS For the Three Months Ended March 31, 2016 (in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Cash Flows from Operating Activities $ 75,286 $ (3,466 ) $ 39,942 $ (13,170 ) $ 98,592 Cash Flows from Investing Activities Loans and finance receivables originated or acquired — (138,592 ) (138,255 ) — (276,847 ) Loans and finance receivables repaid — 212,682 (1,505 ) — 211,177 Change in restricted cash — — (13,717 ) — (13,717 ) Purchases of property and equipment — (2,140 ) (90 ) — (2,230 ) Capital contributions to subsidiaries (16,828 ) (3,250 ) — 20,078 — Other investing activities — 58 — — 58 Net cash used in investing activities (16,828 ) 68,758 (153,567 ) 20,078 (81,559 ) Cash Flows from Financing Activities Payments for (proceeds from) member's equity — 3,658 3,250 (6,908 ) — Debt issuance costs paid — — (3,271 ) — (3,271 ) Treasury shares purchased (58 ) — — — (58 ) Borrowings under revolving line of credit 10,000 — — — 10,000 Repayments under revolving line of credit (68,400 ) — — — (68,400 ) Borrowings under securitization facility — — 135,061 — 135,061 Repayments under securitization facility — — (21,148 ) — (21,148 ) Net cash provided by (used in) financing activities (58,458 ) 3,658 113,892 (6,908 ) 52,184 Effect of exchange rates on cash — 844 84 — 928 Net decrease in cash and cash equivalents — 69,794 351 — 70,145 Cash and cash equivalents at beginning of year — 40,927 1,139 — 42,066 Cash and cash equivalents at end of period $ — $ 110,721 $ 1,490 $ — $ 112,211

Subsequent Events

Subsequent Events	3 Months Ended
	Mar. 31, 2016
Subsequent Events [Abstract]
Subsequent Events	1 5 . Subsequent Events Subsequent events have been reviewed through the date these financial statements were available to be issued.

Significant Accounting Polici24

Significant Accounting Policies (Policies)	3 Months Ended
	Mar. 31, 2016
Accounting Policies [Abstract]
Basis of Presentation	Basis of Presentation On September 7, 2011, Cash America International, Inc. (“Cash America”) formed a new company, Enova International, Inc. (the “Company”). On September 13, 2011, Cash America contributed to the Company all of the stock of its wholly-owned subsidiary, Enova Online Services, Inc., in exchange for 33 million shares of the Company’s common stock. The Company became an independent, publicly traded company on November 13, 2014 when Cash America completed the tax-free spin-off of approximately 80% of the outstanding shares of the Company to holders of Cash America’s common stock (the “Spin-off”). The consolidated financial statements of the Company reflect the historical results of operations and cash flows of the Company during each respective period. The financial statements include goodwill and intangible assets arising from businesses previously acquired. We consolidate any variable interest entity (“VIE”) where we have determined we are the primary beneficiary. The primary beneficiary is the entity which has both the power to direct the activities of the VIE that most significantly impact the VIE’s economic performance as well as the obligation to absorb losses or receive benefits of the entity that could potentially be significant to the VIE. The financial statements presented as of March 31, 2016 and 2015 and December 31, 2015 and for the three-month periods ended March 31, 2016 and 2015 are unaudited but, in management’s opinion, include all adjustments, consisting only of normal recurring adjustments, necessary for a fair statement of the results for such interim periods. Operating results for the three-month periods are not necessarily indicative of the results that may be expected for the full fiscal year. The Company operates an internet-based lending platform to serve customers in need of cash to fulfill their financial responsibilities. Through a network of direct and indirect marketing channels, the Company offers funds to its customers through a variety of unsecured loan and finance receivable products. The business is operated primarily through the internet to provide convenient, fully-automated financial solutions to its customers. The Company originates, guarantees or purchases consumer loans and provides financing to small businesses through a line of credit account or receivables purchase agreements product (“RPAs”). Consumer loans include short-term loans, line of credit accounts and installment loans. RPAs represent a right to receive future receivables from a small business. “Loans and finance receivables” include consumer loans, small business loans and RPAs. These financial statements and related notes should be read in conjunction with the Company’s audited consolidated financial statements as of December 31, 2015 and 2014 and for the years ended December 31, 2015, 2014 and 2013 and related notes, which are included on Form 10-K filed with the SEC on March 7, 2016.
Restricted Cash	Restricted Cash The Company includes funds to be used for future debt payments relating to our securitization transactions and escrow deposits in restricted cash and cash equivalents.
Revenue Recognition	Revenue Recognition The Company recognizes revenue based on the financing products and services it offers. “Revenue” in the consolidated statements of income includes: interest income, finance charges, fees for services provided through the Company’s credit services organization and credit access business programs (“CSO programs”), or CSO fees, revenue on RPAs, service charges, draw fees, minimum billing fees, late fees and non-sufficient funds fees as permitted by applicable laws and pursuant to the agreement with the customer. For short-term loans that the Company offers, interest and finance charges are recognized on an effective yield basis over the term of the loan. For line of credit accounts, interest is recognized over the reporting period based upon the balance outstanding and the contractual interest rate, draw fees are recognized on an effective yield basis over the estimated outstanding period of the draw, and minimum billing fees are recognized when assessed to the customer. For installment loans, interest is recognized on an effective yield basis over the term of the loan. For RPAs, revenue is recognized on an effective yield basis over the projected delivery term of the agreements and fees are recognized when assessed. CSO fees are recognized on an effective yield basis over the term of the loan. Late and nonsufficient funds fees are recognized when assessed to the customer. Direct costs associated with originating loans and purchasing RPAs, such as third-party customer acquisition costs, are deferred and amortized against revenue on an effective yield basis over the term of the loan or
New Accounting Standards Adopted and to be Adopted in Future Periods	Adopted In November 2015, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) 2015-17, Balance Sheet Classification of Deferred Taxes The Company adopted In June 2015, the FASB issued ASU 2015-10, Technical Corrections and Improvements In April 2015, the FASB issued ASU 2015‑05, Customer’s Accounting for Fees Paid in a Cloud Computing Arrangement Internal-Use Software In April 2015, the FASB issued ASU 2015-03, Simplifying the Presentation of Debt Issuance Costs Presentation and subsequent measurement of Debt Issuance Costs Associated with Line-of-Credit Arrangements, In February 2015, the FASB issued ASU No. 2015-02, Consolidation (Topic 810) - Amendments to the Consolidation Analysis Accounting Standards to be Adopted in Future Periods In March 2016, the FASB issued ASU 2016-09, Improvements to Employee Share-Based Payment Accounting In February 2016, the FASB issued ASU 2016-02, Leases (Topic 842) In January 2016, the FASB issued ASU 2016-01, Financial Instruments—Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities (“ASU 2016‑01”), which requires that equity investments, except for those accounted for under the equity method or those that result in consolidation of the investee, be measured at fair value, with subsequent changes in fair value recognized in net income. However, an entity may choose to measure equity investments that do not have readily determinable fair values at cost minus impairment, if any, plus or minus changes resulting from observable price changes in orderly transactions for the identical or a similar investment of the same issuer. ASU 2016-01 also impacts the presentation and disclosure requirements for financial instruments. ASU 2016-01 is effective for public business entities for annual periods, and interim periods within those annual periods, beginning after December 15, 2017. Early adoption is permitted only for certain provisions. The Company does not expect that the adoption of ASU 2016-01 will have a material effect on its consolidated financial statements. In August 2014, the FASB issued ASU 2014-15, Disclosure of Uncertainties about an Entity’s Ability to Continue as a Going Concern In May 2014, the FASB issued ASU No. 2014-09, Revenue from Contracts with Customers (Topic 606) Principal versus Agent Considerations (Reporting Revenue Gross versus Net) Identifying Performance Obligations and Licensing
Current and Delinquent Loans and Finance Receivables	Current and Delinquent Loans and Finance Receivables The Company classifies its loans and finance receivables as either current or delinquent. Short-term loans are considered delinquent when payment of an amount due is not made as of the due date. If a line of credit account or installment loan customer misses one payment, that payment is considered delinquent and the balance of the loan is considered current. The Company does not accrue interest on the delinquent payment portion of the loan but does continue to accrue interest on the remaining portion of the loan. If a line of credit account or installment loan customer does not make two consecutive payments, the entire account or loan is classified as delinquent and placed on a non-accrual status. The Company allows for normal payment processing time before considering a loan delinquent but does not provide for any additional grace period. The Company does not accrue interest on delinquent loans and does not resume accrual of interest on a delinquent loan unless it is returned to current status. In addition, delinquent loans generally may not be renewed, and if, during its attempt to collect on a delinquent loan, the Company allows additional time for payment through a payment plan or a promise to pay, it is still considered delinquent. Generally, all payments received are first applied against accrued but unpaid interest and fees and then against the principal balance of the loan.
Allowance and Liability for Estimated Losses on Loans and Finance Receivables	Allowance and Liability for Estimated Losses on Loans and Finance Receivables The Company monitors the performance of its loan and finance receivable portfolios and maintains either an allowance or liability for estimated losses on loans and finance receivables (including revenue, fees and/or interest) at a level estimated to be adequate to absorb losses inherent in the portfolio. The allowance for losses on the Company’s owned loans and finance receivables reduces the outstanding loans and finance receivables balance in the consolidated balance sheets. The liability for estimated losses related to loans guaranteed under its CSO programs is initially recorded at fair value and is included in “Accounts payable and accrued expenses” in the consolidated balance sheets. In determining the allowance or liability for estimated losses on loans and finance receivables, the Company applies a documented systematic methodology. In calculating the allowance or liability for receivable losses, outstanding loans and finance receivables are divided into discrete groups of short-term loans, line of credit accounts, installment loans and RPAs and are analyzed as current or delinquent. Increases in either the allowance or the liability, net of charge-offs and recoveries, are recorded as a “Cost of revenue” in the consolidated statements of income. The allowance or liability for short-term loans classified as current is based on historical loss rates adjusted for recent default trends for current loans. For delinquent short-term loans, the allowance or liability is based on a six-month rolling average of loss rates by stage of collection. For line of credit account and installment loan and RPA portfolios, the Company generally uses a migration analysis to estimate losses inherent in the portfolio. The allowance or liability calculation under the migration analysis is based on historical charge-off experience and the loss emergence period, which represents the average amount of time between the first occurrence of a loss event and the charge-off of a loan or RPA. The factors the Company considers to assess the adequacy of the allowance or liability include past due performance, historical behavior of monthly vintages, underwriting changes and recent trends in delinquency in the migration analysis. The Company fully reserves for loans and finance receivables once the receivable or a portion of the receivable has been classified as delinquent for 60 consecutive days and generally charges off loans and finance receivables between 60 – 65 days delinquent. If a loan or finance receivable is deemed uncollectible before it is fully reserved, it is charged off at that point. Loans and finance receivables classified as delinquent generally have an age of one to 64 days from the date any portion of the receivable became delinquent, as defined above. Recoveries on loans and finance receivables previously charged to the allowance are credited to the allowance when collected.
Derivative Instruments Policy	The Company periodically uses forward currency exchange contracts to minimize the effects of foreign currency risk in the United Kingdom. The forward currency exchange contracts are non-designated derivatives. Any gain or loss resulting from these contracts is recorded as income or loss and is included in “Foreign currency transaction gain (loss)” in the Company’s consolidated statements of income. The Company currently does not manage its exposure to risk from foreign currency exchange rate fluctuations through the use of forward currency exchange contracts in Australia, Canada, or Brazil.

Loans and Finance Receivables25

Loans and Finance Receivables, Credit Quality Information and Allowances and Liabilities for Estimated Losses on Loans and Finance Receivables (Tables)	3 Months Ended
	Mar. 31, 2016
Receivables [Abstract]
Schedule of Revenue Generated from Loans and Finance Receivables	Revenue generated from the Company’s loans and finance receivables for the three months ended March 31, 2016 and 2015 was as follows (dollars in thousands): Three Months Ended March 31, 2016 2015 Short-term loans $ 47,598 $ 50,861 Line of credit accounts 48,973 55,653 Installment loans and RPAs 77,506 58,757 Total loans and finance receivables revenue 174,077 165,271 Other 576 405 Total revenue $ 174,653 $ 165,676
Components of Company-Owned Loans and Finance Receivables	The components of Company-owned loans and finance receivables at March 31, 2016 and 2015 and December 31, 2015 were as follows (dollars in thousands): As of March 31, 2016 Short-term Line of Credit Installment Loans and Loans Accounts RPAs Total Current receivables $ 36,263 $ 91,482 $ 317,467 $ 445,212 Delinquent receivables: Delinquent payment amounts (1) — 3,105 1,469 4,574 Receivables on non-accrual status 16,118 3,764 26,238 46,120 Total delinquent receivables 16,118 6,869 27,707 50,694 Total loans and finance receivables, gross 52,381 98,351 345,174 495,906 Less: Allowance for losses (11,693 ) (15,284 ) (40,727 ) (67,704 ) Loans and finance receivables, net $ 40,688 $ 83,067 $ 304,447 $ 428,202 As of March 31, 2015 Short-term Line of Credit Installment Loans and Loans Accounts RPAs Total Current receivables $ 31,678 $ 69,912 $ 187,639 $ 289,229 Delinquent receivables: Delinquent payment amounts (1) — 3,158 1,302 4,460 Receivables on non-accrual status 17,334 3,126 16,126 36,586 Total delinquent receivables 17,334 6,284 17,428 41,046 Total loans and finance receivables, gross 49,012 76,196 205,067 330,275 Less: Allowance for losses (12,744 ) (12,340 ) (26,136 ) (51,220 ) Loans and finance receivables, net $ 36,268 $ 63,856 $ 178,931 $ 279,055 As of December 31, 2015 Short-term Line of Credit Installment Loans and Loans Accounts RPAs Total Current receivables $ 37,951 $ 92,732 $ 317,231 $ 447,914 Delinquent receivables: Delinquent payment amounts (1) — 3,072 1,510 4,582 Receivables on non-accrual status 20,842 5,051 23,566 49,459 Total delinquent receivables 20,842 8,123 25,076 54,041 Total loans and finance receivables, gross 58,793 100,855 342,307 501,955 Less: Allowance for losses (14,652 ) (15,727 ) (36,943 ) (67,322 ) Loans and finance receivables, net $ 44,141 $ 85,128 $ 305,364 $ 434,633 (1) Represents the delinquent portion of installment loans and line of credit account balances for customers that have only missed one payment. See “Current and Delinquent Loans and Finance Receivables” above for additional information.
Schedule of Changes in Allowance for Losses	Changes in the allowance for losses for the Company-owned loans and finance receivables and the liability for losses on the Company’s guarantees of third-party lender-owned loans during the three months ended March 31, 2016 and 2015 were as follows (dollars in thousands): Three Months Ended March 31, 2016 Short-term Line of Credit Installment Loans and Loans Accounts RPAs Total Allowance for losses for Company-owned loans and finance receivables: Balance at beginning of period $ 14,652 $ 15,727 $ 36,943 $ 67,322 Cost of revenue 13,669 16,471 40,011 70,151 Charge-offs (21,576 ) (20,599 ) (42,799 ) (84,974 ) Recoveries 5,036 3,685 6,258 14,979 Effect of foreign currency translation (88 ) — 314 226 Balance at end of period $ 11,693 $ 15,284 $ 40,727 $ 67,704 Liability for third-party lender-owned loans: Balance at beginning of period $ 1,298 $ — $ 458 $ 1,756 Decrease in liability (393 ) — (181 ) (574 ) Balance at end of period $ 905 $ — $ 277 $ 1,182 Three Months Ended March 31, 2015 Short-term Line of Credit Installment Loans and Loans Accounts RPAs Total Allowance for losses for Company-owned loans and finance receivables: Balance at beginning of period $ 14,324 $ 19,749 $ 30,875 $ 64,948 Cost of revenue 12,512 7,813 18,876 39,201 Charge-offs (19,778 ) (20,833 ) (29,882 ) (70,493 ) Recoveries 5,870 5,907 6,580 18,357 Effect of foreign currency translation (184 ) (296 ) (313 ) (793 ) Balance at end of period $ 12,744 $ 12,340 $ 26,136 $ 51,220 Liability for third-party lender-owned loans: Balance at beginning of period $ 1,575 $ — $ 1 $ 1,576 (Decrease) increase in liability (669 ) — 38 (631 ) Balance at end of period $ 906 $ — $ 39 $ 945

Long-term Debt (Tables)

Long-term Debt (Tables)	3 Months Ended
	Mar. 31, 2016
Debt Disclosure [Abstract]
Summary of Long-Term Debt Instruments and Balances Outstanding	The Company’s long-term debt instruments and balances outstanding as of March 31, 2016 and 2015 and December 31, 2015 were as follows (dollars in thousands): March 31, December 31, 2016 2015 2015 Securitization notes $ 113,913 $ — $ — Revolving line of credit — — 58,400 Senior Notes 495,049 494,347 494,867 Subtotal 608,962 494,347 553,267 Less long-term debt issuance costs 14,548 12,930 11,358 Total long-term debt $ 594,414 $ 481,417 $ 541,909

Earnings Per Share (Tables)

Earnings Per Share (Tables)	3 Months Ended
	Mar. 31, 2016
Earnings Per Share [Abstract]
Schedule of Reconciliation of Numerators and Denominators of Basic and Diluted Earnings per Share Computations	The following table sets forth the reconciliation of numerators and denominators of basic and diluted earnings per share computations for the three months ended March 31, 2016 and 2015 (in thousands, except per share amounts): Three Months Ended March 31, 2016 2015 Numerator: Net income $ 9,863 $ 24,530 Denominator: Total weighted average basic shares 33,142 33,000 Shares applicable to stock-based compensation 45 8 Total weighted average diluted shares 33,187 33,008 Net income – basic $ 0.30 $ 0.74 Net income – diluted $ 0.30 $ 0.74

Operating Segment Information (

Operating Segment Information (Tables)	3 Months Ended
	Mar. 31, 2016
Segment Reporting [Abstract]
Summary of Domestic and International Operations	The following tables present information on the Company’s domestic and international operations as of and for the three months ended March 31, 2016 and 2015 (dollars in thousands): Three Months Ended March 31, 2016 2015 Revenue Domestic $ 143,428 $ 119,053 International 31,225 46,623 Total revenue $ 174,653 $ 165,676 Income from operations Domestic $ 55,582 $ 57,183 International 3,151 23,937 Corporate services (26,884 ) (27,031 ) Total income from operations $ 31,849 $ 54,089 Depreciation and amortization Domestic $ 1,582 $ 2,485 International 605 523 Corporate services 1,800 2,275 Total depreciation and amortization $ 3,987 $ 5,283 Expenditures for property and equipment Domestic $ 769 $ 2,170 International 804 94 Corporate services 657 9,308 Total expenditures for property and equipment $ 2,230 $ 11,572 March 31, 2016 2015 Property and equipment, net Domestic $ 15,696 $ 14,593 International 5,562 5,066 Corporate services 24,482 20,598 Total property and equipment, net $ 45,740 $ 40,257 Assets Domestic $ 707,176 $ 502,596 International 114,858 190,355 Corporate services 93,142 56,944 Total assets $ 915,176 $ 749,895
Summary of Company's Revenue by Geographical Region	The following table presents the Company’s revenue by geographic region for the three months ended March 31, 2016 and 2015 (dollars in thousands): Three Months Ended March 31, 2016 2015 Revenue United States $ 143,428 $ 119,053 United Kingdom 25,909 44,336 Other international countries 5,316 2,287 Total revenue $ 174,653 $ 165,676

Commitments and Contingencies (

Commitments and Contingencies (Tables)	3 Months Ended
	Mar. 31, 2016
Commitments And Contingencies Disclosure [Abstract]
Exit and Disposal Activity and Liability Balances	The following table is a summary of the exit and disposal activity and liability balances as a result of the headquarters relocation (in thousands): Lease Termination Costs Other Exit Costs Total Balance at January 1, 2015 $ 707 $ — $ 707 Payments (707 ) — (707 ) Balance at March 31, 2015 $ — $ — $ — Balance at January 1, 2016 $ 1,425 $ 204 $ 1,629 Payments (176 ) — (176 ) Adjustments 47 (69 ) (22 ) Balance at March 31, 2016 $ 1,296 $ 135 $ 1,431

Derivative Instruments (Tables)

Derivative Instruments (Tables)	3 Months Ended
	Mar. 31, 2016
Derivative Instruments And Hedging Activities Disclosure [Abstract]
Schedule of Derivative Assets at Fair Value	The following table presents information related to the Company’s derivative instruments as of March 31, 2015 and December 31, 2015 (dollars in thousands): Non-designated derivatives: As of March 31, 2015 Gross Amounts Gross Amounts Net Amounts of Assets of Recognized Offset in the Presented in the Notional Financial Consolidated Consolidated Balance Forward currency exchange contracts Amount Instruments Balance Sheets (1) Sheets (2) Assets $ — $ — $ — $ — Liabilities $ 35,793 $ 125 $ — $ 125 As of December 31, 2015 Gross Amounts Gross Amounts Net Amounts of Assets of Recognized Offset in the Presented in the Notional Financial Consolidated Consolidated Balance Forward currency exchange contracts Amount Instruments Balance Sheets (1) Sheets (2) Assets $ 58,723 $ 151 $ — $ 151 Liabilities $ — $ — $ — $ — (1) As of March 31, 2015 and December 31, 2015, the Company had no gross amounts of recognized derivative instruments that the Company makes an accounting policy election not to offset. In addition, there is no financial collateral related to the Company’s derivatives. The Company has no assets or liabilities that are subject to an enforceable master netting agreement or similar arrangement. (2) Represents the fair value of forward currency contracts, which is recorded in “Accounts payable and accrued expenses” in the consolidated balance sheets.
Effect Of Derivative Instruments	The following table presents information on the effect of derivative instruments on the consolidated results of operations and accumulated other comprehensive income (“AOCI”) for the three months ended March 31, 2016 and 2015 (dollars in thousands): Gains (Losses) Gains (Losses) Recognized in Gains (Losses) Reclassified From Income Recognized in AOCI AOCI into Income Three Months Ended Three Months Ended Three Months Ended March 31, March 31, March 31, 2016 2015 2016 2015 2016 2015 Non-designated derivatives: Forward currency exchange contracts (1) $ 3,020 $ 3,927 $ — $ — $ — $ — Total $ 3,020 $ 3,927 $ — $ — $ — $ — (1) The gains (losses) on these derivatives substantially offset the (losses) gains on the economically hedged portion of the foreign intercompany balances.

Variable Interest Entities (Tab

Variable Interest Entities (Tables)	3 Months Ended
	Mar. 31, 2016
Variable Interest Entities [Abstract]
Summary of Carrying Amounts of Consolidated VIE Assets and Liabilities	The carrying amounts of consolidated VIE assets and liabilities associated with the Company’s securitization entities were as follows: March 31, December 31, 2016 2015 2015 Assets Loans and finance receivables, net $ 138,255 $ — $ — Restricted cash and cash equivalents 13,717 — — Total assets $ 151,972 $ — $ — Liabilities Accounts payable and accrued expenses $ 591 $ — $ — Long-term debt 110,199 — — Total liabilities $ 110,790 $ — $ —

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	3 Months Ended
	Mar. 31, 2016
Fair Value Disclosures [Abstract]
Fair Value Assets and Liabilities Measured on Recurring Basis	The Company’s financial assets and liabilities that are measured at fair value on a recurring basis as of March 31, 2016 and 2015 and December 31, 2015 are as follows (dollars in thousands): March 31, Fair Value Measurements Using 2016 Level 1 Level 2 Level 3 Financial assets (liabilities): Non-qualified savings plan assets (1) 1,545 1,545 — — Contingent consideration (5,658 ) — — (5,658 ) Total $ (4,113 ) $ 1,545 $ — $ (5,658 ) March 31, Fair Value Measurements Using 2015 Level 1 Level 2 Level 3 Financial assets (liabilities): Forward currency exchange contracts $ (125 ) $ — $ (125 ) $ — Non-qualified savings plan assets (1) 1,158 1,158 — — Total $ 1,033 $ 1,158 $ (125 ) $ — December 31, Fair Value Measurements Using 2015 Level 1 Level 2 Level 3 Financial assets (liabilities): Forward currency exchange contracts $ 151 $ — $ 151 $ — Non-qualified savings plan assets (1) 1,075 1,075 — — Contingent consideration (5,658 ) — — (5,658 ) Total $ (4,432 ) $ 1,075 $ 151 $ (5,658 ) (1) The non-qualified savings plan assets are included in “Other receivables and prepaid expenses” in the Company’s consolidated balance sheets and have an offsetting liability of equal amount, which is included in “Accounts payable and accrued expenses” in the Company’s consolidated balance sheets.
Fair Value Measurement for Contingent Consideration	The changes in the fair value of the contingent consideration, which is Fair Value Measurements Using Significant Unobservable Inputs (Level 3) Contingent consideration Total Balance at December 31, 2015 $ 5,658 $ 5,658 Adjustments — — Balance at March 31, 2016 $ 5,658 $ 5,658
Financial Assets and Liabilities Not Measured at Fair Value	The Company’s financial assets and liabilities as of March 31, 2016 and 2015 and December 31, 2015 that are not measured at fair value in the consolidated balance sheets are as follows (dollars in thousands): Balance at March 31, Fair Value Measurements Using 2016 Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents $ 112,211 $ 112,211 $ — $ — Short-term loans and line of credit accounts, net (1) 123,755 — — 123,755 Installment loans and RPAs, net (1)(4) 304,447 — — 283,871 Restricted cash (5) 20,908 20,908 — — Investment in unconsolidated investee (2)(3) 6,703 — — 6,703 Total $ 568,024 $ 133,119 $ — $ 414,329 Financial liabilities: Liability for estimated losses on consumer loans guaranteed by the Company $ 1,182 $ — $ — $ 1,182 Promissory note 3,000 — — 3,019 Securitization Notes 113,913 — 113,913 — Senior Notes 495,049 — 371,500 — Total $ 613,144 $ — $ 485,413 $ 4,201 Balance at March 31, Fair Value Measurements Using 2015 Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents $ 143,444 $ 143,444 $ — $ — Short-term loans and line of credit accounts, net (1) 100,124 — — 100,124 Installment loans and RPAs, net (1) 178,931 — — 178,931 Restricted cash 7,410 7,410 — — Investment in unconsolidated investee (2)(3) 6,703 — — 6,703 Total $ 436,612 $ 150,854 $ — $ 285,758 Financial liabilities: Liability for estimated losses on consumer loans guaranteed by the Company $ 945 $ — $ — $ 945 Senior Notes 494,347 — 475,000 — Total $ 495,292 $ — $ 475,000 $ 945 Balance at December 31, Fair Value Measurements Using 2015 Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents $ 42,066 $ 42,066 $ — $ — Short-term loans and line of credit accounts, net (1) 129,269 — — 129,269 Installment loans and RPAs, net (1) 305,364 — — 283,700 Restricted cash 7,379 7,379 — — Investment in unconsolidated investee (2)(3) 6,703 — — 6,703 Total $ 490,781 $ 49,445 $ — $ 419,672 Financial liabilities: Liability for estimated losses on consumer loans guaranteed by the Company $ 1,756 $ — $ — $ 1,756 Promissory note 3,000 — — 2,984 Credit agreement borrowings 58,400 — — 58,400 Senior Notes 494,867 — 374,500 — Total $ 558,023 $ — $ 374,500 $ 63,140 (1) Short-term loans, line of credit accounts, installment loans and RPAs are included in “Loans and finance receivables, net” in the consolidated balance sheets. (2) Investment in unconsolidated investee is included in “Other assets” in the consolidated balance sheets. (3) See Note 4 for additional information related to the investment in unconsolidated investee. (4) Installment loan and RPAs, net include $138.3 million in net assets of consolidated VIEs as of March 31, 2016. (5) Restricted cash includes $13.7 million in assets of consolidated VIEs as of March 31, 2016.

Condensed Consolidating Finan33

Condensed Consolidating Financial Statements (Tables)	3 Months Ended
	Mar. 31, 2016
Condensed Financial Information Of Parent Company Only Disclosure [Abstract]
Condensed Consolidating Balance Sheets	CONDENSED CONSOLIDATING BALANCE SHEETS As of March 31, 2016 (dollars in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Assets Cash and cash equivalents $ — $ 110,721 $ 1,490 $ — $ 112,211 Restricted cash — 7,191 13,717 — 20,908 Loans and finance receivables, net — 285,172 143,030 — 428,202 Income taxes receivable 42,513 (35,073 ) (4 ) — 7,436 Other receivables and prepaid expenses 131 18,487 192 — 18,810 Property and equipment, net — 45,404 336 — 45,740 Goodwill — 267,012 — — 267,012 Intangible assets, net — 6,214 7 — 6,221 Investment in subsidiaries 248,576 13,769 — (262,345 ) — Intercompany receivable 426,183 — — (426,183 ) — Other assets 767 7,869 — — 8,636 Total assets $ 718,170 $ 726,766 $ 158,768 $ (688,528 ) $ 915,176 Liabilities and Stockholders' Equity Accounts payable and accrued expenses $ 16,349 $ 56,572 $ 1,357 $ — $ 74,278 Intercompany payables — 384,495 41,688 (426,183 ) — Deferred tax liabilities, net — 29,146 (267 ) — 28,879 Long-term debt 484,216 — 110,198 — 594,414 Total liabilities 500,565 470,213 152,976 (426,183 ) 697,571 Commitments and contingencies Stockholders' equity 217,605 256,553 5,792 (262,345 ) 217,605 Total liabilities and stockholders' equity $ 718,170 $ 726,766 $ 158,768 $ (688,528 ) $ 915,176 CONDENSED CONSOLIDATING BALANCE SHEETS As of December 31, 2015 (dollars in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Assets Cash and cash equivalents $ — $ 40,927 $ 1,139 $ — $ 42,066 Restricted cash — 7,379 — — 7,379 Loans and finance receivables, net — 430,862 3,771 — 434,633 Income taxes receivable 37,201 (31,709 ) 11 — 5,503 Other receivables and prepaid expenses 162 19,791 96 — 20,049 Property and equipment, net — 47,821 234 — 48,055 Goodwill — 267,008 — — 267,008 Intangible assets, net — 6,532 8 — 6,540 Investment in subsidiaries 233,632 14,177 — (247,809 ) — Intercompany receivable 480,112 — 794 (480,906 ) — Other assets 2,284 7,020 — — 9,304 Total assets $ 753,391 $ 809,808 $ 6,053 $ (728,715 ) $ 840,537 Liabilities and Stockholders' Equity Accounts payable and accrued expenses $ 5,514 $ 66,220 $ 407 $ — $ 72,141 Intercompany payables — 480,906 — (480,906 ) — Deferred tax liabilities, net — 20,562 (43 ) — 20,519 Long-term debt 541,909 — — — 541,909 Total liabilities 547,423 567,688 364 (480,906 ) 634,569 Commitments and contingencies Stockholders' equity 205,968 242,120 5,689 (247,809 ) 205,968 Total liabilities and stockholders' equity $ 753,391 $ 809,808 $ 6,053 $ (728,715 ) $ 840,537
Consolidating Statements of Income and Comprehensive Income	CONDENSED CONSOLIDATING STATEMENTS OF INCOME AND COMPREHENSIVE INCOME For the Three Months Ended March 31, 2016 (in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Revenue $ — $ 173,136 $ 2,206 $ (689 ) $ 174,653 Cost of Revenue — 66,445 3,132 — 69,577 Gross Profit — 106,691 (926 ) (689 ) 105,076 Expenses Marketing — 20,782 399 — 21,181 Operations and technology — 19,183 951 — 20,134 General and administrative 43 27,442 1,129 (689 ) 27,925 Depreciation and amortization — 3,968 19 — 3,987 Total Expenses 43 71,375 2,498 (689 ) 73,227 Income (Loss) from Operations (43 ) 35,316 (3,424 ) — 31,849 Interest expense, net (13,272 ) 425 (3,068 ) — (15,915 ) Foreign currency transaction gain 1,568 — — — 1,568 Income (Loss) before Income Taxes and Equity in Net Earnings of Subsidiaries (11,747 ) 35,741 (6,492 ) — 17,502 Provision for income taxes (5,127 ) 15,600 (2,834 ) — 7,639 Income (loss) before Equity in Net Earnings of Subsidiaries (6,620 ) 20,141 (3,658 ) — 9,863 Net earnings of subsidiaries 16,483 (3,658 ) — (12,825 ) — Net Income (Loss) $ 9,863 $ 16,483 $ (3,658 ) $ (12,825 ) $ 9,863 Other comprehensive (loss) gain, net of tax: Foreign currency translation (loss) gain (136 ) (648 ) 511 137 (136 ) Total other comprehensive (loss) gain, net of tax (136 ) (648 ) 511 137 (136 ) Comprehensive Income (Loss) $ 9,727 $ 15,835 $ (3,147 ) $ (12,688 ) $ 9,727
Consolidating Statements of Cash Flows	CONDENSED CONSOLIDATING STATEMENTS OF CASH FLOWS For the Three Months Ended March 31, 2016 (in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Cash Flows from Operating Activities $ 75,286 $ (3,466 ) $ 39,942 $ (13,170 ) $ 98,592 Cash Flows from Investing Activities Loans and finance receivables originated or acquired — (138,592 ) (138,255 ) — (276,847 ) Loans and finance receivables repaid — 212,682 (1,505 ) — 211,177 Change in restricted cash — — (13,717 ) — (13,717 ) Purchases of property and equipment — (2,140 ) (90 ) — (2,230 ) Capital contributions to subsidiaries (16,828 ) (3,250 ) — 20,078 — Other investing activities — 58 — — 58 Net cash used in investing activities (16,828 ) 68,758 (153,567 ) 20,078 (81,559 ) Cash Flows from Financing Activities Payments for (proceeds from) member's equity — 3,658 3,250 (6,908 ) — Debt issuance costs paid — — (3,271 ) — (3,271 ) Treasury shares purchased (58 ) — — — (58 ) Borrowings under revolving line of credit 10,000 — — — 10,000 Repayments under revolving line of credit (68,400 ) — — — (68,400 ) Borrowings under securitization facility — — 135,061 — 135,061 Repayments under securitization facility — — (21,148 ) — (21,148 ) Net cash provided by (used in) financing activities (58,458 ) 3,658 113,892 (6,908 ) 52,184 Effect of exchange rates on cash — 844 84 — 928 Net decrease in cash and cash equivalents — 69,794 351 — 70,145 Cash and cash equivalents at beginning of year — 40,927 1,139 — 42,066 Cash and cash equivalents at end of period $ — $ 110,721 $ 1,490 $ — $ 112,211

Significant Accounting Polici34

Significant Accounting Policies - Additional Information (Detail) - USD ($) $ in Millions	Mar. 31, 2016	Dec. 31, 2015	Mar. 31, 2015	Nov. 13, 2014	Sep. 13, 2011
Significant Accounting Policies [Line Items]
Common stock, shares issued	33,196,625	33,151,088	33,000,000
Spin off percentage				80.00%
Unamortized debt issuance cost		$ 11.4	$ 12.9
Previously Reported
Significant Accounting Policies [Line Items]
Deferred tax assets, net		$ 29	$ 19.7
Cash America International Inc.
Significant Accounting Policies [Line Items]
Common stock, shares issued					33,000,000

Acquisitions - Additional Infor

Acquisitions - Additional Information (Detail) - USD ($) $ in Thousands	Jun. 23, 2015	Mar. 31, 2016	Dec. 31, 2015
Business Acquisition [Line Items]
Date of acquisition		Jun. 23, 2015
Business acquisition, asset acquired	$ 26,400
Business acquisition, payment in cash	17,700
Business Combination, promissory note	3,000
Estimated contingent consideration payable		$ 5,658	$ 5,658
Maximum
Business Acquisition [Line Items]
Total consideration paid	$ 71,000

Loans and Finance Receivables36

Loans and Finance Receivables, Credit Quality Information and Allowances and Liabilities for Estimated Losses on Loans and Finance Receivables - Schedule of Revenue Generated from Loans and Finance Receivables (Detail) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Accounts Notes And Loans Receivable [Line Items]
Total loans and finance receivables revenue	$ 174,077	$ 165,271
Other	576	405
Total revenue	174,653	165,676
Short-term Loans
Accounts Notes And Loans Receivable [Line Items]
Total loans and finance receivables revenue	47,598	50,861
Line of Credit Accounts
Accounts Notes And Loans Receivable [Line Items]
Total loans and finance receivables revenue	48,973	55,653
Installment Loans and RPAs
Accounts Notes And Loans Receivable [Line Items]
Total loans and finance receivables revenue	$ 77,506	$ 58,757

Loans and Finance Receivables37

Loans and Finance Receivables, Credit Quality Information and Allowances and Liabilities for Estimated Losses on Loans and Finance Receivables - Additional Information (Detail) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2016	Dec. 31, 2015	Mar. 31, 2015
Accounts Notes And Loans Receivable [Line Items]
Days for delinquent loans to be charged off	60 days
Active consumer loans owned by third-party lenders	$ 26.7	$ 34.1	$ 25.4
Accrual for losses on consumer loan guaranty obligations	$ 1.2	$ 1.7	$ 0.9
Minimum
Accounts Notes And Loans Receivable [Line Items]
Days for delinquent loans to be charged off	60 days
Delinquent loans expiry period (in days)	1 day
Maximum
Accounts Notes And Loans Receivable [Line Items]
Days for delinquent loans to be charged off	65 days
Delinquent loans expiry period (in days)	64 days

Loans and Finance Receivables38

Loans and Finance Receivables, Credit Quality Information and Allowances and Liabilities for Estimated Losses on Loans and Finance Receivables - Components of Company-Owned Loans and Finance Receivables (Detail) - USD ($) $ in Thousands		Mar. 31, 2016	Dec. 31, 2015	Mar. 31, 2015	Dec. 31, 2014
Accounts Notes And Loans Receivable [Line Items]
Current receivables		$ 445,212	$ 447,914	$ 289,229
Delinquent payment amounts	[1]	4,574	4,582	4,460
Receivables on non-accrual status		46,120	49,459	36,586
Total delinquent receivables		50,694	54,041	41,046
Total loans and finance receivables, gross		495,906	501,955	330,275
Less: Allowance for losses		(67,704)	(67,322)	(51,220)	$ (64,948)
Loans and finance receivables, net		428,202	434,633	279,055
Short-term Loans
Accounts Notes And Loans Receivable [Line Items]
Current receivables		36,263	37,951	31,678
Receivables on non-accrual status		16,118	20,842	17,334
Total delinquent receivables		16,118	20,842	17,334
Total loans and finance receivables, gross		52,381	58,793	49,012
Less: Allowance for losses		(11,693)	(14,652)	(12,744)	(14,324)
Loans and finance receivables, net		40,688	44,141	36,268
Line of Credit Accounts
Accounts Notes And Loans Receivable [Line Items]
Current receivables		91,482	92,732	69,912
Delinquent payment amounts	[1]	3,105	3,072	3,158
Receivables on non-accrual status		3,764	5,051	3,126
Total delinquent receivables		6,869	8,123	6,284
Total loans and finance receivables, gross		98,351	100,855	76,196
Less: Allowance for losses		(15,284)	(15,727)	(12,340)	(19,749)
Loans and finance receivables, net		83,067	85,128	63,856
Installment Loans and RPAs
Accounts Notes And Loans Receivable [Line Items]
Current receivables		317,467	317,231	187,639
Delinquent payment amounts	[1]	1,469	1,510	1,302
Receivables on non-accrual status		26,238	23,566	16,126
Total delinquent receivables		27,707	25,076	17,428
Total loans and finance receivables, gross		345,174	342,307	205,067
Less: Allowance for losses		(40,727)	(36,943)	(26,136)	$ (30,875)
Loans and finance receivables, net		$ 304,447	$ 305,364	$ 178,931
[1]	Represents the delinquent portion of installment loans and line of credit account balances for customers that have only missed one payment. See “Current and Delinquent Loans and Finance Receivables” above for additional information.

Loans and Finance Receivables39

Loans and Finance Receivables, Credit Quality Information and Allowances and Liabilities for Estimated Losses on Loans and Finance Receivables - Schedule of Changes in Allowance for Losses (Detail) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Allowance for losses for Company-owned loans and finance receivables
Balance at beginning of period	$ 67,322	$ 64,948
Cost of revenue	70,151	39,201
Charge-offs	(84,974)	(70,493)
Recoveries	14,979	18,357
Effect of foreign currency translation	226	(793)
Balance at end of period	67,704	51,220
Liability for third-party lender-owned loans
Balance at beginning of period	1,756	1,576
(Decrease) increase in liability	(574)	(631)
Balance at end of period	1,182	945
Short-term Loans
Allowance for losses for Company-owned loans and finance receivables
Balance at beginning of period	14,652	14,324
Cost of revenue	13,669	12,512
Charge-offs	(21,576)	(19,778)
Recoveries	5,036	5,870
Effect of foreign currency translation	(88)	(184)
Balance at end of period	11,693	12,744
Liability for third-party lender-owned loans
Balance at beginning of period	1,298	1,575
(Decrease) increase in liability	(393)	(669)
Balance at end of period	905	906
Line of Credit Accounts
Allowance for losses for Company-owned loans and finance receivables
Balance at beginning of period	15,727	19,749
Cost of revenue	16,471	7,813
Charge-offs	(20,599)	(20,833)
Recoveries	3,685	5,907
Effect of foreign currency translation		(296)
Balance at end of period	15,284	12,340
Installment Loans and RPAs
Allowance for losses for Company-owned loans and finance receivables
Balance at beginning of period	36,943	30,875
Cost of revenue	40,011	18,876
Charge-offs	(42,799)	(29,882)
Recoveries	6,258	6,580
Effect of foreign currency translation	314	(313)
Balance at end of period	40,727	26,136
Liability for third-party lender-owned loans
Balance at beginning of period	458	1
(Decrease) increase in liability	(181)	38
Balance at end of period	$ 277	$ 39

Investment in Unconsolidated 40

Investment in Unconsolidated Investee - Additional information (Detail) - USD ($)	3 Months Ended
	Mar. 31, 2016	Dec. 31, 2015	Mar. 31, 2015
Investments All Other Investments [Abstract]
Cost method investments	$ 6,700,000	$ 6,700,000	$ 6,700,000
Investment impairment	$ 0

Long-Term Debt - Summary of Lon

Long-Term Debt - Summary of Long-Term Debt Instruments and Balances Outstanding (Detail) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015	Mar. 31, 2015
Debt Instrument [Line Items]
Securitization notes	$ 113,913
Senior Notes	495,049	$ 494,867	$ 494,347
Subtotal	608,962	553,267	494,347
Less long-term debt issuance costs	14,548	11,358	12,930
Total long-term debt	$ 594,414	541,909	$ 481,417
Revolving Line of Credit
Debt Instrument [Line Items]
Revolving line of credit		$ 58,400

Long-term Debt - Additional Inf

Long-term Debt - Additional Information (Detail) - USD ($)	Jan. 15, 2016	Mar. 31, 2016	Mar. 31, 2015	Jan. 04, 2016	Dec. 31, 2015	Dec. 29, 2015	May. 30, 2014
Debt Instrument [Line Items]
Aggregate availability of variable funding notes	$ 20,000,000
Maximum principal amount of securitization notes outstanding	$ 175,000,000
Unamortized debt issuance cost			$ 12,900,000		$ 11,400,000
Revolving Line of Credit
Debt Instrument [Line Items]
Revolving line of credit					58,400,000
2016-1 Securitization Facility
Debt Instrument [Line Items]
Securitization notes final maturity date	Oct. 15, 2020
Securitization Notes issued pursuant to an indenture, date	Jan. 15, 2016
Date at Issuer not permitted to prepay or redeem any outstanding securitization notes prior	Oct. 17, 2016
Carrying amount of senior notes		$ 110,200,000
Unamortized debt issuance cost		3,700,000
Interest expense recognized		3,100,000
Non-cash amortization of debt issuance costs		$ 1,000,000
Debt issuance cost, amortization period		4 years
2016-1 Securitization Facility | Agent's Base Rate
Debt Instrument [Line Items]
Securitization notes interest rate	1.00%
2016-1 Securitization Facility | Prime Rate
Debt Instrument [Line Items]
Securitization notes interest rate	7.75%
2016-1 Securitization Facility | LIBOR
Debt Instrument [Line Items]
Securitization notes initial interest rate	8.75%
Revolving Credit Facility Due 2017 | Unsecured Revolving Credit Facility | Jefferies Group, LLC
Debt Instrument [Line Items]
Debt issuance cost, amortization period		37 months
Maximum borrowing capacity						$ 75,000,000
Voluntary commitment reductions to revolving facility	$ 40,000,000
Line of Credit Facility Increase						15,000,000
Revolving line of credit		$ 0	0		58,400,000
Debt issuance cost		1,600,000
Revolving Credit Facility Due 2017 | Unsecured Revolving Credit Facility | Scenario One | Jefferies Group, LLC
Debt Instrument [Line Items]
Line of Credit Facility Increase						$ 5,000,000
Revolving Credit Facility Due 2017 | Unsecured Revolving Credit Facility | Scenario Two | Jefferies Group, LLC
Debt Instrument [Line Items]
Line of Credit Facility Increase				$ 10,000,000
$500.0 Million 9.75% Senior Unsecured Notes Due 2021
Debt Instrument [Line Items]
Unamortized debt issuance cost		10,800,000	12,900,000
Interest expense recognized		12,900,000	12,900,000
Non-cash amortization of debt issuance costs		$ 500,000	500,000
Debt issuance cost, amortization period		7 years
Carrying amount of senior notes		$ 484,200,000	481,400,000
Debt instrument unamortized discount		5,000,000	$ 5,700,000
Non-cash amortization discount		$ 200,000
Weighted average interest rates		10.81%	10.71%
Initial Term Note
Debt Instrument [Line Items]
Debt instrument, face amount	107,400,000
Unsecured consumer loans	$ 134,000,000
Enova Standby And Letter Of Credit | Revolving Line of Credit
Debt Instrument [Line Items]
Borrowings outstanding under credit agreement		$ 6,600,000	$ 6,600,000		$ 6,600,000
$500.0 Million 9.75% Senior Unsecured Notes Due 2021
Debt Instrument [Line Items]
Debt instrument, face amount							$ 500,000,000
Securitization notes interest rate							9.75%
Securitization notes initial interest rate							10.00%
Credit agreement, maturity date		Jun. 1, 2021

Income Taxes - Additional Infor

Income Taxes - Additional Information (Detail) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Income Tax Contingency [Line Items]
Effective tax rate	43.60%	38.40%
Deferred Tax Asset Adjustment
Income Tax Contingency [Line Items]
Increase in provision for income taxes	$ 887

Earnings Per Share - Reconcilia

Earnings Per Share - Reconciliation of Numerators and Denominators of Basic and Diluted Earnings per Share (Detail) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Numerator:
Net income	$ 9,863	$ 24,530
Weighted average common shares outstanding:
Total weighted average basic shares	33,142	33,000
Shares applicable to stock-based compensation	45	8
Total weighted average diluted shares	33,187	33,008
Net income – basic	$ 0.30	$ 0.74
Net income – diluted	$ 0.30	$ 0.74

Earnings Per Share - Additional

Earnings Per Share - Additional Information (Detail) - shares	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Stock options
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Stock options not included in computation of diluted earnings per share	1,947,614	1,527,042
Restricted stock units
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Stock options not included in computation of diluted earnings per share	821,756	50,610

Operating Segment Information -

Operating Segment Information - Additional Information (Detail) $ in Thousands	3 Months Ended
	Mar. 31, 2016USD ($)Segment	Dec. 31, 2015USD ($)	Mar. 31, 2015USD ($)
Segment Reporting [Abstract]
Number of reportable segment | Segment	1
Property and equipment, net | $	$ 45,740	$ 48,055	$ 40,257

Operating Segment Information47

Operating Segment Information - Summary of Domestic and International Operations (Detail) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015	Dec. 31, 2015
Revenues [Abstract]
Revenue	$ 174,653	$ 165,676
Income from operations [Abstract]
Income from operations	31,849	54,089
Depreciation and amortization [Abstract]
Depreciation and amortization	3,987	5,283
Expenditures for property and equipment [Abstract]
Expenditures for property and equipment	2,230	11,572
Property and equipment, net [Abstract]
Property and equipment, net	45,740	40,257	$ 48,055
Assets
Assets	915,176	749,895	$ 840,537
Domestic
Revenues [Abstract]
Revenue	143,428	119,053
Income from operations [Abstract]
Income from operations	55,582	57,183
Depreciation and amortization [Abstract]
Depreciation and amortization	1,582	2,485
Expenditures for property and equipment [Abstract]
Expenditures for property and equipment	769	2,170
Property and equipment, net [Abstract]
Property and equipment, net	15,696	14,593
Assets
Assets	707,176	502,596
International
Revenues [Abstract]
Revenue	31,225	46,623
Income from operations [Abstract]
Income from operations	3,151	23,937
Depreciation and amortization [Abstract]
Depreciation and amortization	605	523
Expenditures for property and equipment [Abstract]
Expenditures for property and equipment	804	94
Property and equipment, net [Abstract]
Property and equipment, net	5,562	5,066
Assets
Assets	114,858	190,355
Corporate Services
Income from operations [Abstract]
Income from operations	(26,884)	(27,031)
Depreciation and amortization [Abstract]
Depreciation and amortization	1,800	2,275
Expenditures for property and equipment [Abstract]
Expenditures for property and equipment	657	9,308
Property and equipment, net [Abstract]
Property and equipment, net	24,482	20,598
Assets
Assets	$ 93,142	$ 56,944

Operating Segment Information48

Operating Segment Information - Summary of Company's Revenue by Geographical Region (Detail) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Revenues [Abstract]
Revenue	$ 174,653	$ 165,676
United States
Revenues [Abstract]
Revenue	143,428	119,053
United Kingdom
Revenues [Abstract]
Revenue	25,909	44,336
Other International Countries
Revenues [Abstract]
Revenue	$ 5,316	$ 2,287

Commitments and Contingencies -

Commitments and Contingencies - Additional information (Detail) $ in Millions	12 Months Ended
	Dec. 31, 2015USD ($)	Dec. 31, 2014USD ($)	Jun. 30, 2015ft²
Commitments And Contingencies [Line Items]
Leased area | ft²			86,000
Estimated sublease income	$ 1.7
Lease Termination Costs and Other Exit Costs
Commitments And Contingencies [Line Items]
Expense related to lease termination penalty	3.7	$ 1.4
Lease Termination Costs
Commitments And Contingencies [Line Items]
Expense related to lease termination penalty	2.9
Other Exit Costs
Commitments And Contingencies [Line Items]
Expense related to lease termination penalty	$ 0.8

Commitments and Contingencies50

Commitments and Contingencies - Exit and Disposal Activity and Liability Balances (Detail) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Lease Termination Costs
Commitments And Contingencies [Line Items]
Beginning Balance	$ 1,425	$ 707
Payments	(176)	(707)
Adjustments	47
Ending Balance	1,296
Other Exit Costs
Commitments And Contingencies [Line Items]
Beginning Balance	204
Adjustments	(69)
Ending Balance	135
Lease Termination Costs and Other Exit Costs
Commitments And Contingencies [Line Items]
Beginning Balance	1,629	707
Payments	(176)	$ (707)
Adjustments	(22)
Ending Balance	$ 1,431

Derivative Instruments - Additi

Derivative Instruments - Additional Information (Details)	Mar. 31, 2016USD ($)
Derivative Instruments And Hedging Activities Disclosure [Abstract]
Outstanding derivative instruments	$ 0

Derivative Instruments - Fair V

Derivative Instruments - Fair Values of Derivative Instruments (Detail) - Non-Designated Derivatives - Forward Currency Exchange Contracts - USD ($) $ in Thousands		Dec. 31, 2015	Mar. 31, 2015
Derivatives Fair Value [Line Items]
Derivative Assets, Notional Amount		$ 58,723
Gross Amounts of Recognized Financial Instruments, Assets		151
Net Amounts of Assets Presented in the Consolidated Balance	[1]	$ 151
Derivative Liability, Notional Amount			$ 35,793
Gross amounts of recognized Financial Instruments, Liabilities			125
Net Amounts of Liabilities Presented in the Consolidated Balance	[1]		$ 125
[1]	Represents the fair value of forward currency contracts, which is recorded in “Accounts payable and accrued expenses” in the consolidated balance sheets.

Derivative Instruments - Fair53

Derivative Instruments - Fair Values of Derivative Instruments (Parenthetical) (Detail) - Non-Designated Derivatives - Forward Currency Exchange Contracts - USD ($)	Dec. 31, 2015	Mar. 31, 2015
Derivatives Fair Value [Line Items]
Gross amounts of recognized derivative instruments	$ 0	$ 0
Derivative asset, fair value of collateral	0	0
Amount of derivative assets	0	0
Amount of derivative liabilities	$ 0	$ 0

Derivative Instruments - Effect

Derivative Instruments - Effect of Derivative Instruments on the Consolidated Results of Operations and Accumulated other Comprehensive Income (Detail) - Non-Designated Derivatives - USD ($) $ in Thousands		3 Months Ended
		Mar. 31, 2016	Mar. 31, 2015
Derivative Instruments Gain Loss [Line Items]
Gains (Losses) Recognized in Income		$ 3,020	$ 3,927
Forward Currency Exchange Contracts
Derivative Instruments Gain Loss [Line Items]
Gains (Losses) Recognized in Income	[1]	$ 3,020	$ 3,927
[1]	The gains (losses) on these derivatives substantially offset the (losses) gains on the economically hedged portion of the foreign intercompany balances.

Related Party Transactions - Ad

Related Party Transactions - Additional Information (Detail) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015	Dec. 31, 2015	Jun. 23, 2015
Related Party Transaction [Line Items]
Business Combination, promissory note				$ 3,000
Small Business
Related Party Transaction [Line Items]
Business Combination, promissory note	$ 3,000
Promissory note maturity date	Jun. 23, 2018
Interest expense related to promissory note	$ 30
Transition services agreement fee income	$ 37
Debt instrument, interest rate	4.00%
Transition services agreement period	3 years
Cash America
Related Party Transaction [Line Items]
Professional fee		$ 200
Consumer loans reimbursement amount	$ 200	300
Related party payable, net	100	$ 100	$ 100
RPAs | Small Business
Related Party Transaction [Line Items]
Paid RPAs, amount	$ 300

Variable Interest Entities - Su

Variable Interest Entities - Summary of Carrying Amounts of Consolidated VIE Assets and Liabilities (Detail) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015	Mar. 31, 2015
Assets
Loans and finance receivables, net	$ 428,202	$ 434,633	$ 279,055
Restricted cash and cash equivalents	20,908	7,379	7,410
Liabilities
Accounts payable and accrued expenses	74,278	$ 72,141	$ 54,175
Variable Interest Entity, Primary Beneficiary
Assets
Loans and finance receivables, net	138,255
Restricted cash and cash equivalents	13,717
Total assets	151,972
Liabilities
Accounts payable and accrued expenses	591
Long-term debt	110,199
Total liabilities	$ 110,790

Fair Value Measurements - Addit

Fair Value Measurements - Additional Information (Detail) - USD ($)	3 Months Ended
	Mar. 31, 2016	Dec. 31, 2015	Mar. 31, 2015
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Transfer of Liabilities, amount	$ 0		$ 0
Transfer of assets, amount	0		0
Assets fair value non-recurring	0	$ 0	0
Liabilities fair value non-recurring	0	0	0
Accrual for losses on consumer loan guaranty obligations	$ 1,200,000	$ 1,700,000	$ 900,000
Maximum
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Cash and cash equivalent maturity period	90 days
Maximum | Short-term Loans
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Term of loan	12 months
Maximum | Line of Credit Accounts
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Term of loan	12 months
Maximum | Installment Loans and RPAs
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Term of loan	60 months
Maximum | RPAs
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Estimated delivery term	36 months
Minimum | Installment Loans and RPAs
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Term of loan	2 months
Minimum | RPAs
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Estimated delivery term	6 months

Fair Value Measurements - Fair

Fair Value Measurements - Fair Value Assets and Liabilities Measured on Recurring Basis (Detail) - USD ($) $ in Thousands		Mar. 31, 2016	Dec. 31, 2015	Mar. 31, 2015
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Contingent consideration		$ (5,658)	$ (5,658)
Level 3
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Contingent consideration		(5,658)	(5,658)
Fair Value, Measurements, Recurring
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Forward currency exchange contracts				$ (125)
Forward currency exchange contracts			151
Non-qualified savings plan assets	[1]	1,545	1,075	1,158
Contingent consideration		(5,658)	(5,658)
Total		(4,113)	(4,432)	1,033
Fair Value, Measurements, Recurring | Level 1
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Non-qualified savings plan assets	[1]	1,545	1,075	1,158
Total		1,545	1,075	1,158
Fair Value, Measurements, Recurring | Level 2
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Forward currency exchange contracts				(125)
Forward currency exchange contracts			151
Total			151	$ (125)
Fair Value, Measurements, Recurring | Level 3
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Contingent consideration		(5,658)	(5,658)
Total		$ (5,658)	$ (5,658)
[1]	The non-qualified savings plan assets are included in “Other receivables and prepaid expenses” in the Company’s consolidated balance sheets and have an offsetting liability of equal amount, which is included in “Accounts payable and accrued expenses” in the Company’s consolidated balance sheets.

Fair Value Measurements - Fai59

Fair Value Measurements - Fair Value Measurement for Contingent Consideration (Detail) $ in Thousands	Mar. 31, 2016USD ($)
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Contingent consideration, Beginning balance	$ 5,658
Contingent consideration, Ending balance	5,658
Level 3
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Contingent consideration, Beginning balance	5,658
Contingent consideration, Ending balance	$ 5,658

Fair Value Measurements - Finan

Fair Value Measurements - Financial Assets and Liabilities Not Measured at Fair Value (Detail) - USD ($) $ in Thousands		Mar. 31, 2016		Dec. 31, 2015	Mar. 31, 2015
Carrying Value
Financial assets:
Cash and cash equivalents		$ 112,211		$ 42,066	$ 143,444
Short-term loans and line of credit accounts, net	[1]	123,755		129,269	100,124
Installment loans and RPAs, net	[1]	304,447	[2]	305,364	178,931
Restricted cash		20,908	[3]	7,379	7,410
Investment in unconsolidated investee	[5]	6,703	[4]	6,703	6,703	[4]
Total		568,024		490,781	436,612
Financial liabilities:
Liability for estimated losses on consumer loans guaranteed by the Company		1,182		1,756	945
Promissory note		3,000		3,000
Securitization Notes		113,913
Senior Notes		495,049		494,867	494,347
Total		613,144		558,023	495,292
Credit agreement borrowings				58,400
Level 1 | Estimated Fair Value
Financial assets:
Cash and cash equivalents		112,211		42,066	143,444
Restricted cash		20,908	[3]	7,379	7,410
Total		133,119		49,445	150,854
Level 2 | Estimated Fair Value
Financial liabilities:
Securitization Notes		113,913
Senior Notes		371,500		374,500	475,000
Total		485,413		374,500	475,000
Level 3 | Estimated Fair Value
Financial assets:
Short-term loans and line of credit accounts, net	[1]	123,755		129,269	100,124
Installment loans and RPAs, net	[1]	283,871	[2]	283,700	178,931
Investment in unconsolidated investee	[5]	6,703	[4]	6,703	6,703	[4]
Total		414,329		419,672	285,758
Financial liabilities:
Liability for estimated losses on consumer loans guaranteed by the Company		1,182		1,756	945
Promissory note		3,019		2,984
Total		$ 4,201		63,140	$ 945
Credit agreement borrowings				$ 58,400
[1]	Short-term loans, line of credit accounts, installment loans and RPAs are included in “Loans and finance receivables, net” in the consolidated balance sheets.
[2]	Installment loan and RPAs, net include $138.3 million in net assets of consolidated VIEs as of March 31, 2016.
[3]	Restricted cash includes $13.7 million in assets of consolidated VIEs as of March 31, 2016.
[4]	Investment in unconsolidated investee is included in “Other assets” in the consolidated balance sheets.
[5]	See Note 4 for additional information related to the investment in unconsolidated investee.

Fair Value Measurements - Fin61

Fair Value Measurements - Financial Assets and Liabilities Not Measured at Fair Value (Parenthetical) (Detail) - Variable Interest Entity, Primary Beneficiary $ in Millions	Mar. 31, 2016USD ($)
Fair Value Balance Sheet Grouping Financial Statement Captions [Line Items]
Installment loans and RPAs, net	$ 138.3
Restricted cash	$ 13.7

Condensed Consolidating Finan62

Condensed Consolidating Financial Statements -Additional Information (Detail)	Mar. 31, 2016
Guarantor Subsidiaries
Condensed Financial Statements Captions [Line Items]
Percentage of ownership	100.00%

Condensed Consolidating Finan63

Condensed Consolidating Financial Statements - Condensed Consolidating Balance Sheets - (Detail) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015	Mar. 31, 2015	Dec. 31, 2014
Assets
Cash and cash equivalents	$ 112,211	$ 42,066	$ 143,444	$ 75,106
Restricted cash and cash equivalents	20,908	7,379	7,410
Loans and finance receivables, net	428,202	434,633	279,055
Income taxes receivable	7,436	5,503
Other receivables and prepaid expenses	18,810	20,049	15,667
Property and equipment, net	45,740	48,055	40,257
Goodwill	267,012	267,008	255,856
Intangible assets, net	6,221	6,540	33
Other assets	8,636	9,304	8,173
Total assets	915,176	840,537	749,895
Liabilities and Stockholders' Equity
Accounts payable and accrued expenses	74,278	72,141	54,175
Deferred tax liabilities, net	28,879	20,519	28,038
Long-term debt	594,414	541,909	481,417
Total liabilities	$ 697,571	$ 634,569	$ 572,075
Commitments and contingencies
Stockholders' equity	$ 217,605	$ 205,968	$ 177,820	$ 153,984
Total liabilities and stockholders' equity	915,176	840,537	$ 749,895
Parent
Assets
Income taxes receivable	42,513	37,201
Other receivables and prepaid expenses	131	162
Investment in subsidiaries	248,576	233,632
Intercompany receivable	426,183	480,112
Other assets	767	2,284
Total assets	718,170	753,391
Liabilities and Stockholders' Equity
Accounts payable and accrued expenses	16,349	5,514
Long-term debt	484,216	541,909
Total liabilities	$ 500,565	$ 547,423
Commitments and contingencies
Stockholders' equity	$ 217,605	$ 205,968
Total liabilities and stockholders' equity	718,170	753,391
Guarantor Subsidiaries
Assets
Cash and cash equivalents	110,721	40,927
Restricted cash and cash equivalents	7,191	7,379
Loans and finance receivables, net	285,172	430,862
Income taxes receivable	(35,073)	(31,709)
Other receivables and prepaid expenses	18,487	19,791
Property and equipment, net	45,404	47,821
Goodwill	267,012	267,008
Intangible assets, net	6,214	6,532
Investment in subsidiaries	13,769	14,177
Other assets	7,869	7,020
Total assets	726,766	809,808
Liabilities and Stockholders' Equity
Accounts payable and accrued expenses	56,572	66,220
Intercompany payables	384,495	480,906
Deferred tax liabilities, net	29,146	20,562
Total liabilities	$ 470,213	$ 567,688
Commitments and contingencies
Stockholders' equity	$ 256,553	$ 242,120
Total liabilities and stockholders' equity	726,766	809,808
Non-Guarantor Subsidiaries
Assets
Cash and cash equivalents	1,490	1,139
Restricted cash and cash equivalents	13,717
Loans and finance receivables, net	143,030	3,771
Income taxes receivable	(4)	11
Other receivables and prepaid expenses	192	96
Property and equipment, net	336	234
Intangible assets, net	7	8
Intercompany receivable		794
Total assets	158,768	6,053
Liabilities and Stockholders' Equity
Accounts payable and accrued expenses	1,357	407
Intercompany payables	41,688
Deferred tax liabilities, net	(267)	(43)
Long-term debt	110,198
Total liabilities	$ 152,976	$ 364
Commitments and contingencies
Stockholders' equity	$ 5,792	$ 5,689
Total liabilities and stockholders' equity	158,768	6,053
Eliminations
Assets
Investment in subsidiaries	(262,345)	(247,809)
Intercompany receivable	(426,183)	(480,906)
Total assets	(688,528)	(728,715)
Liabilities and Stockholders' Equity
Intercompany payables	(426,183)	(480,906)
Total liabilities	$ (426,183)	$ (480,906)
Commitments and contingencies
Stockholders' equity	$ (262,345)	$ (247,809)
Total liabilities and stockholders' equity	$ (688,528)	$ (728,715)

Condensed Consolidating Finan64

Condensed Consolidating Financial Statements - Consolidating Statements of Income and Comprehensive Income - (Detail) - USD ($) $ in Thousands		3 Months Ended
		Mar. 31, 2016	Mar. 31, 2015
Condensed Financial Statements Captions [Line Items]
Revenue		$ 174,653	$ 165,676
Cost of Revenue		69,577	38,570
Gross Profit		105,076	127,106
Expenses
Marketing		21,181	24,156
Operations and technology		20,134	18,012
General and administrative		27,925	25,566
Depreciation and amortization		3,987	5,283
Total Expenses		73,227	73,017
Income from Operations		31,849	54,089
Interest expense, net		(15,915)	(13,305)
Foreign currency transaction gain		1,568	(944)
Income (Loss) before Income Taxes and Equity in Net Earnings of Subsidiaries		17,502
Provision for income taxes		7,639	15,310
Income (loss) before Equity in Net Earnings of Subsidiaries		9,863
Net Income		9,863	24,530
Other comprehensive (loss) gain, net of tax:
Foreign currency translation (loss) gain	[1]	(136)	(2,406)
Total other comprehensive loss, net of tax		(136)	(2,406)
Comprehensive Income		9,727	$ 22,124
Parent
Expenses
General and administrative		43
Total Expenses		43
Income from Operations		(43)
Interest expense, net		(13,272)
Foreign currency transaction gain		1,568
Income (Loss) before Income Taxes and Equity in Net Earnings of Subsidiaries		(11,747)
Provision for income taxes		(5,127)
Income (loss) before Equity in Net Earnings of Subsidiaries		(6,620)
Net earnings of subsidiaries		16,483
Net Income		9,863
Other comprehensive (loss) gain, net of tax:
Foreign currency translation (loss) gain		(136)
Total other comprehensive loss, net of tax		(136)
Comprehensive Income		9,727
Guarantor Subsidiaries
Condensed Financial Statements Captions [Line Items]
Revenue		173,136
Cost of Revenue		66,445
Gross Profit		106,691
Expenses
Marketing		20,782
Operations and technology		19,183
General and administrative		27,442
Depreciation and amortization		3,968
Total Expenses		71,375
Income from Operations		35,316
Interest expense, net		425
Income (Loss) before Income Taxes and Equity in Net Earnings of Subsidiaries		35,741
Provision for income taxes		15,600
Income (loss) before Equity in Net Earnings of Subsidiaries		20,141
Net earnings of subsidiaries		(3,658)
Net Income		16,483
Other comprehensive (loss) gain, net of tax:
Foreign currency translation (loss) gain		(648)
Total other comprehensive loss, net of tax		(648)
Comprehensive Income		15,835
Non-Guarantor Subsidiaries
Condensed Financial Statements Captions [Line Items]
Revenue		2,206
Cost of Revenue		3,132
Gross Profit		(926)
Expenses
Marketing		399
Operations and technology		951
General and administrative		1,129
Depreciation and amortization		19
Total Expenses		2,498
Income from Operations		(3,424)
Interest expense, net		(3,068)
Income (Loss) before Income Taxes and Equity in Net Earnings of Subsidiaries		(6,492)
Provision for income taxes		(2,834)
Income (loss) before Equity in Net Earnings of Subsidiaries		(3,658)
Net Income		(3,658)
Other comprehensive (loss) gain, net of tax:
Foreign currency translation (loss) gain		511
Total other comprehensive loss, net of tax		511
Comprehensive Income		(3,147)
Eliminations
Condensed Financial Statements Captions [Line Items]
Revenue		(689)
Gross Profit		(689)
Expenses
General and administrative		(689)
Total Expenses		(689)
Net earnings of subsidiaries		(12,825)
Net Income		(12,825)
Other comprehensive (loss) gain, net of tax:
Foreign currency translation (loss) gain		137
Total other comprehensive loss, net of tax		137
Comprehensive Income		$ (12,688)
[1]	Net of tax benefit of $77 and $1,190 for the three months ended March 31, 2016 and 2015, respectively.

Condensed Consolidating Finan65

Condensed Consolidating Financial Statements - Consolidating Statements of Cash Flows - (Detail) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Condensed Cash Flow Statements Captions [Line Items]
Cash Flows from 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
Debt issuance costs paid	(3,271)
Treasury shares purchased	(58)
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)
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
Parent
Condensed Cash Flow Statements Captions [Line Items]
Cash Flows from Operating Activities	75,286
Cash Flows from Investing Activities
Capital contributions to subsidiaries	(16,828)
Net cash used in investing activities	(16,828)
Cash Flows from Financing Activities
Treasury shares purchased	(58)
Borrowings under revolving line of credit	10,000
Repayments under revolving line of credit	(68,400)
Net cash provided by financing activities	(58,458)
Guarantor Subsidiaries
Condensed Cash Flow Statements Captions [Line Items]
Cash Flows from Operating Activities	(3,466)
Cash Flows from Investing Activities
Loans and finance receivables originated or acquired	(138,592)
Loans and finance receivables repaid	212,682
Purchases of property and equipment	(2,140)
Capital contributions to subsidiaries	(3,250)
Other investing activities	58
Net cash used in investing activities	68,758
Cash Flows from Financing Activities
Payments for (proceeds from) member's equity	3,658
Net cash provided by financing activities	3,658
Effect of exchange rates on cash	844
Net increase in cash and cash equivalents	69,794
Cash and cash equivalents at beginning of year	40,927
Cash and cash equivalents at end of period	110,721
Non-Guarantor Subsidiaries
Condensed Cash Flow Statements Captions [Line Items]
Cash Flows from Operating Activities	39,942
Cash Flows from Investing Activities
Loans and finance receivables originated or acquired	(138,255)
Loans and finance receivables repaid	(1,505)
Change in restricted cash	(13,717)
Purchases of property and equipment	(90)
Net cash used in investing activities	(153,567)
Cash Flows from Financing Activities
Payments for (proceeds from) member's equity	3,250
Debt issuance costs paid	(3,271)
Borrowings under securitization facility	135,061
Repayments under securitization facility	(21,148)
Net cash provided by financing activities	113,892
Effect of exchange rates on cash	84
Net increase in cash and cash equivalents	351
Cash and cash equivalents at beginning of year	1,139
Cash and cash equivalents at end of period	1,490
Eliminations
Condensed Cash Flow Statements Captions [Line Items]
Cash Flows from Operating Activities	(13,170)
Cash Flows from Investing Activities
Capital contributions to subsidiaries	20,078
Net cash used in investing activities	20,078
Cash Flows from Financing Activities
Payments for (proceeds from) member's equity	(6,908)
Net cash provided by financing activities	$ (6,908)