Enova International (ENVA) 10-Q 2 Aug 17 2017 Q2 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	6 Months Ended
	Jun. 30, 2017	Aug. 01, 2017
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	Jun. 30, 2017
Document Fiscal Year Focus	2,017
Document Fiscal Period Focus	Q2
Amendment Flag	false
Entity Common Stock, Shares Outstanding		33,683,298

CONSOLIDATED BALANCE SHEETS (Un

CONSOLIDATED BALANCE SHEETS (Unaudited) - USD ($) $ in Thousands	Jun. 30, 2017	Dec. 31, 2016	Jun. 30, 2016
Assets
Cash and cash equivalents	$ 46,209	$ 39,934	$ 39,167
Restricted cash and cash equivalents	26,636	26,306	34,601
Loans and finance receivables, net	563,996	561,550	489,990
Income taxes receivable	13,410
Other receivables and prepaid expenses	22,006	19,524	18,468
Property and equipment, net	44,329	47,100	47,206
Goodwill	267,012	267,010	267,013
Intangible assets, net	4,865	5,404	5,946
Other assets	13,406	11,051	8,478
Total assets	1,001,869	977,879	910,869
Liabilities and Stockholders' Equity
Accounts payable and accrued expenses	62,799	71,671	75,175
Income taxes currently payable		282	2,912
Deferred tax liabilities, net	25,753	14,316	19,677
Long-term debt	638,749	649,911	588,824
Total liabilities	727,301	736,180	686,588
Commitments and contingencies (Note 8)
Stockholders' equity:
Common stock, $0.00001 par value, 250,000,000 shares authorized, 33,752,662, 33,236,539 and 33,364,525 shares issued and 33,635,215, 33,197,558 and 33,293,100 outstanding as of June 30, 2017 and 2016 and December 31, 2016, respectively	0	0	0
Preferred stock, $0.00001 par value, 25,000,000 shares authorized, no shares issued and outstanding
Additional paid in capital	23,753	18,446	14,073
Retained earnings	261,180	235,455	218,904
Accumulated other comprehensive loss	(9,069)	(11,578)	(8,447)
Treasury stock, at cost (117,447, 38,981 and 71,425 shares as of June 30, 2017 and 2016 and December 31, 2016, respectively)	(1,296)	(624)	(249)
Total stockholders' equity	274,568	241,699	224,281
Total liabilities and stockholders' equity	$ 1,001,869	$ 977,879	$ 910,869

CONSOLIDATED BALANCE SHEETS (U3

CONSOLIDATED BALANCE SHEETS (Unaudited) (Parenthetical) - USD ($) $ in Thousands	Jun. 30, 2017	Dec. 31, 2016	Jun. 30, 2016
Restricted cash and cash equivalents	$ 26,636	$ 26,306	$ 34,601
Loans and finance receivables, gross	647,835	660,495	563,810
Allowance for loan losses	83,839	98,945	73,820
Long-term debt	$ 151,987	$ 165,419	$ 106,846
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	33,752,662	33,364,525	33,236,539
Common stock, shares outstanding	33,635,215	33,293,100	33,197,558
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	117,447	71,425	38,981
Variable Interest Entity, Primary Beneficiary
Restricted cash and cash equivalents	$ 19,119	$ 19,468	$ 13,930
Loans and finance receivables, gross	240,444	234,497	155,313
Allowance for loan losses	17,072	17,731	13,024
Long-term debt	151,987	165,419	106,846
Unamortized debt issuance cost	$ 1,054	$ 1,869	$ 2,948

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME (Unaudited) - USD ($) shares in Thousands, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2017	Jun. 30, 2016	Jun. 30, 2017	Jun. 30, 2016
Income Statement [Abstract]
Revenue	$ 189,904	$ 172,535	$ 382,167	$ 347,188
Cost of Revenue	79,862	65,453	161,746	135,030
Gross Profit	110,042	107,082	220,421	212,158
Expenses
Marketing	23,410	25,597	42,993	46,778
Operations and technology	21,818	20,935	45,349	41,069
General and administrative	26,245	27,515	51,941	55,440
Depreciation and amortization	3,366	4,228	6,863	8,215
Total Expenses	74,839	78,275	147,146	151,502
Income from Operations	35,203	28,807	73,275	60,656
Interest expense, net	(17,012)	(16,026)	(34,234)	(31,941)
Foreign currency transaction gain	62	471	289	2,039
Income before Income Taxes	18,253	13,252	39,330	30,754
Provision for income taxes	6,380	5,064	13,605	12,703
Net Income	$ 11,873	$ 8,188	$ 25,725	$ 18,051
Earnings per common share:
Basic	$ 0.35	$ 0.25	$ 0.77	$ 0.54
Diluted	$ 0.35	$ 0.25	$ 0.75	$ 0.54
Weighted average common shares outstanding:
Basic	33,553	33,175	33,463	33,159
Diluted	34,125	33,335	34,081	33,261

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Unaudited) - USD ($) $ in Thousands		3 Months Ended		6 Months Ended
		Jun. 30, 2017	Jun. 30, 2016	Jun. 30, 2017	Jun. 30, 2016
Statement Of Income And Comprehensive Income [Abstract]
Net Income		$ 11,873	$ 8,188	$ 25,725	$ 18,051
Other comprehensive gain (loss), net of tax:
Foreign currency translation gain (loss)	[1]	1,371	(3,689)	2,509	(3,825)
Total other comprehensive gain (loss), net of tax		1,371	(3,689)	2,509	(3,825)
Comprehensive Income		$ 13,244	$ 4,499	$ 28,234	$ 14,226
[1]	Net of tax (provision) benefit of $(775) and $2,076 for the three months ended June 30, 2017 and 2016, respectively, and $(1,418) and $2,153 for the six months ended June 30, 2017 and 2016, respectively.

CONSOLIDATED STATEMENTS OF COM6

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Unaudited) (Parenthetical) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2017	Jun. 30, 2016	Jun. 30, 2017	Jun. 30, 2016
Statement Of Income And Comprehensive Income [Abstract]
Tax (provision) benefit of foreign currency translation loss	$ (775)	$ 2,076	$ (1,418)	$ 2,153

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 Loss	Treasury Stock
Balance at Dec. 31, 2015	$ 205,968			$ 9,924	$ 200,853	$ (4,622)	$ (187)
Balance, in shares at Dec. 31, 2015			33,151,000				(29,000)
Stock-based compensation expense	4,149			4,149
Shares issued under stock-based plans			86,000
Net income	18,051				18,051
Foreign currency translation gain (loss), net of tax	(3,825)	[1]				(3,825)
Purchases of treasury shares, at cost	(62)						$ (62)
Treasury Stock Shares Acquired							(10,000)
Balance at Jun. 30, 2016	$ 224,281			14,073	218,904	(8,447)	$ (249)
Balance, in shares at Jun. 30, 2016	33,236,539		33,237,000				(39,000)
Balance at Dec. 31, 2016	$ 241,699			18,446	235,455	(11,578)	$ (624)
Balance, in shares at Dec. 31, 2016	33,364,525		33,365,000				(71,000)
Stock-based compensation expense	$ 5,307			5,307
Shares issued under stock-based plans			388,000
Net income	25,725				25,725
Foreign currency translation gain (loss), net of tax	2,509	[1]				2,509
Purchases of treasury shares, at cost	(672)						$ (672)
Treasury Stock Shares Acquired							(46,000)
Balance at Jun. 30, 2017	$ 274,568			$ 23,753	$ 261,180	$ (9,069)	$ (1,296)
Balance, in shares at Jun. 30, 2017	33,752,662		33,753,000				(117,000)
[1]	Net of tax (provision) benefit of $(775) and $2,076 for the three months ended June 30, 2017 and 2016, respectively, and $(1,418) and $2,153 for the six months ended June 30, 2017 and 2016, respectively.

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2017	Jun. 30, 2016
Cash Flows from Operating Activities
Net Income	$ 25,725	$ 18,051
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	6,863	8,215
Amortization of deferred loan costs and debt discount	3,134	3,410
Cost of revenue	161,746	135,030
Stock-based compensation expense	5,307	4,149
Deferred income taxes, net	10,011	(696)
Other		(151)
Changes in operating assets and liabilities:
Finance and service charges on loans and finance receivables	3,463	(9,909)
Other receivables and prepaid expenses	(4,095)	2,034
Accounts payable and accrued expenses	(12,404)	11,959
Current income taxes	(13,692)	8,415
Net cash provided by operating activities	186,058	180,507
Cash Flows from Investing Activities
Loans and finance receivables originated or acquired	(607,432)	(605,714)
Loans and finance receivables repaid	442,701	415,530
Change in restricted cash	13	(27,935)
Purchases of property and equipment	(5,301)	(7,649)
Other investing activities	1,482	95
Net cash used in investing activities	(168,537)	(225,673)
Cash Flows from Financing Activities
Borrowings under revolving line of credit		20,000
Repayments under revolving line of credit		(78,400)
Borrowings under securitization facility	65,600	162,761
Repayments under securitization facility	(79,031)	(55,915)
Debt issuance costs paid	(1,797)	(3,271)
Treasury shares purchased	(672)	(62)
Net cash (used in) provided by financing activities	(15,900)	45,113
Effect of exchange rates on cash	4,654	(2,846)
Net increase (decrease) in cash and cash equivalents	6,275	(2,899)
Cash and cash equivalents at beginning of year	39,934	42,066
Cash and cash equivalents at end of period	46,209	39,167
Supplemental Disclosures
Loans and finance receivables renewed	$ 148,322	$ 151,844

Significant Accounting Policies

Significant Accounting Policies	6 Months Ended
	Jun. 30, 2017
Accounting Policies [Abstract]
Significant Accounting Policies	1. Significant Accounting Policies Basis of Presentation On September 7, 2011, Cash America International, Inc. (“Cash America,” now known as FirstCash, Inc. due to its merger with First Cash Financial Services, Inc. on September 1, 2016), 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”). Cash America (and then First Cash) retained approximately 20% of the Company’s stock but completed the sale of its entire holding in the Company as of December 6, 2016. 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. 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, arranges, guarantees or purchases consumer loans and provides financing to small businesses through a line of credit account, installment loan or receivables purchase agreement 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 lines of credit, small business installment loans and RPAs. The Company consolidates any variable interest entity (“VIE”) where it has been determined it is 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 June 30, 2017 and 2016 and for the three and six-month periods ended June 30, 2017 and 2016 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 three and six-month periods are not necessarily indicative of the results that may be expected for the full fiscal year. These financial statements and related notes should be read in conjunction with the Company’s audited consolidated financial statements as of December 31, 2016 and 2015 and for the years ended December 31, 2016, 2015 and 2014 and related notes, which are included on Form 10-K filed with the SEC on February 24, 2017. Restricted Cash The Company includes funds to be used for future debt payments relating to its 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 and on loans it acquires. “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”) (“CSO fees”), revenue on RPAs, service charges, draw fees, minimum billing fees, purchase 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 and purchase fees are 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 Goodwill Goodwill represents the excess of the purchase price over the fair value of the net tangible and identifiable intangible assets acquired in each business combination. In accordance with Accounting Standards Codification, or ASC, 350, Goodwill, the Company tests goodwill and intangible assets with an indefinite life for potential impairment annually as of June 30 and between annual tests if an event occurs or circumstances change that would more likely than not reduce the fair value below its carrying amount. The Company first assesses qualitative factors to determine whether it is necessary to perform the two-step quantitative goodwill impairment test. In assessing the qualitative factors, management considers relevant events and circumstances including but not limited to macroeconomic conditions, industry and market environment, overall financial performance of the Company, cash flow from operating activities, market capitalization and stock price. If the Company determines that the two-step quantitative impairment test is required, management uses the income approach to complete its annual goodwill assessment. The income approach uses future cash flows and estimated terminal values for the Company that are discounted using a market participant perspective to determine the fair value, which is then compared to the carrying value to determine if there is impairment. The income approach includes assumptions about revenue growth rates, operating margins and terminal growth rates discounted by an estimated weighted-average cost of capital derived from other publicly-traded companies that are similar but not identical from an operational and economic standpoint. The Company completed its annual assessment of goodwill as of June 30, 2017 based on qualitative factors and determined that the fair value of its goodwill exceeded carrying value, and, as a result, no impairment existed at that date. Although no goodwill impairment was noted, there can be no assurances that future goodwill impairments will not occur. Adopted In March 2016, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) 2016-09, Improvements to Employee Share-Based Payment Accounting Accounting Standards to be Adopted in Future Periods In May 2017, the FASB issued ASU 2017-09, Compensation–Stock Compensation (Topic 718): Scope of Modification Accounting In January 2017, the FASB issued ASU 2017-05, Other Income—Gains and Losses from the Derecognition of Nonfinancial Assets (Subtopic 610-20): Clarifying the Scope of Asset Derecognition Guidance and Accounting for Partial Sales of Nonfinancial Assets Other Income—Gains and Losses from the Derecognition of Nonfinancial Assets, Revenue from Contracts with Customers (Topic 606) In January 2017, the FASB issued ASU 2017-04, Intangibles – Goodwill and Other (Topic 350) – Simplifying the Test for Goodwill Impairment In January 2017, the FASB issued ASU 2017-01, Business Combinations (Topic 805) – Clarifying the Definition of a Business In October 2016, the FASB issued ASU 2016-16, Income Taxes (Topic 740): Intra-Entity Transfers of Assets Other Than Inventory In August 2016, the FASB issued ASU 2016-15, Statement of Cash Flows (Topic 230): Classification of Certain Cash Receipts and Cash Payments (a consensus of the Emerging Issues Task Force) Statement of Cash Flows (Topic 230), Restricted Cash Statement of Cash Flows, In June 2016, the FASB issued ASU 2016-13, Measurement of Credit Losses on Financial Instruments 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 May 2014, the FASB issued ASU 2014-09, which supersedes the revenue recognition requirements in ASC 605, Revenue Recognition. Deferral of the Effective Date Principal versus Agent Considerations (Reporting Revenue Gross versus Net) Identifying Performance Obligations and Licensing Narrow-Scope Improvements and Practical Expedients, Technical Corrections and Improvements to Topic 606, Revenue from Contracts with Customers

Acquisitions

Acquisitions	6 Months Ended
	Jun. 30, 2017
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, which provide working capital for small businesses. 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. The contingent purchase consideration is revalued each reporting period with changes in fair value of the contingent consideration obligations recognized as a gain or loss on fair value remeasurement in our consolidated statements of income. The fair value of the contingent purchase consideration was remeasured as of December 31, 2016 and a gain from the fair value remeasurement of $3.3 million was recognized. There was no change in fair value measurement of contingent consideration for the three and six months ended June 30, 2017. 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	6 Months Ended
	Jun. 30, 2017
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 and six months ended June 30, 2017 and 2016 was as follows (dollars in thousands): Three Months Ended Six Months Ended June 30, June 30, 2017 2016 2017 2016 Short-term loans $ 46,776 $ 46,640 $ 94,199 $ 94,238 Line of credit accounts 58,824 50,275 118,283 99,248 Installment loans and RPAs 84,057 74,991 169,140 152,497 Total loans and finance receivables revenue 189,657 171,906 381,622 345,983 Other 247 629 545 1,205 Total revenue $ 189,904 $ 172,535 $ 382,167 $ 347,188 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. 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, installment loan and RPA portfolios, the Company generally uses either a migration analysis or roll-rate based methodology to estimate losses inherent in the portfolio. The allowance or liability calculation under the migration analysis and roll-rate methodology 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 roll-rate methodology is based on delinquency status, payment history and recency factors to estimate future charge-offs. 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 June 30, 2017 and 2016 and December 31, 2016 were as follows (dollars in thousands): As of June 30, 2017 Short-term Line of Credit Installment Loans and Loans Accounts RPAs Total Current receivables $ 39,213 $ 125,953 $ 424,703 $ 589,869 Delinquent receivables: Delinquent payment amounts (1) — 2,983 2,470 5,453 Receivables on non-accrual status 22,352 5,218 24,943 52,513 Total delinquent receivables 22,352 8,201 27,413 57,966 Total loans and finance receivables, gross 61,565 134,154 452,116 647,835 Less: Allowance for losses (15,688 ) (22,847 ) (45,304 ) (83,839 ) Loans and finance receivables, net $ 45,877 $ 111,307 $ 406,812 $ 563,996 As of June 30, 2016 Short-term Line of Credit Installment Loans and Loans Accounts RPAs Total Current receivables $ 40,157 $ 109,800 $ 359,027 $ 508,984 Delinquent receivables: Delinquent payment amounts (1) — 3,543 1,197 4,740 Receivables on non-accrual status 18,641 4,687 26,758 50,086 Total delinquent receivables 18,641 8,230 27,955 54,826 Total loans and finance receivables, gross 58,798 118,030 386,982 563,810 Less: Allowance for losses (13,354 ) (18,029 ) (42,437 ) (73,820 ) Loans and finance receivables, net $ 45,444 $ 100,001 $ 344,545 $ 489,990 As of December 31, 2016 Short-term Line of Credit Installment Loans and Loans Accounts RPAs Total Current receivables $ 35,516 $ 130,576 $ 413,638 $ 579,730 Delinquent receivables: Delinquent payment amounts (1) — 4,560 2,110 6,670 Receivables on non-accrual status 27,489 9,047 37,559 74,095 Total delinquent receivables 27,489 13,607 39,669 80,765 Total loans and finance receivables, gross 63,005 144,183 453,307 660,495 Less: Allowance for losses (17,770 ) (26,594 ) (54,581 ) (98,945 ) Loans and finance receivables, net $ 45,235 $ 117,589 $ 398,726 $ 561,550 (1) Represents the delinquent portion of installment loans and line of credit account balances for customers that have only missed one payment and RPA customers who have not delivered agreed upon receivables. 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 and six months ended June 30, 2017 and 2016 were as follows (dollars in thousands): Three Months Ended June 30, 2017 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 $ 15,161 $ 21,765 $ 46,328 $ 83,254 Cost of revenue 15,867 19,868 43,373 79,108 Charge-offs (21,062 ) (22,080 ) (54,452 ) (97,594 ) Recoveries 5,523 3,294 10,009 18,826 Effect of foreign currency translation 199 — 46 245 Balance at end of period $ 15,688 $ 22,847 $ 45,304 $ 83,839 Liability for third-party lender-owned loans: Balance at beginning of period $ 1,044 $ — $ 143 $ 1,187 Increase in liability 717 — 37 754 Balance at end of period $ 1,761 $ — $ 180 $ 1,941 Three Months Ended June 30, 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 $ 11,693 $ 15,284 $ 40,727 $ 67,704 Cost of revenue 13,727 17,251 33,824 64,802 Charge-offs (16,787 ) (17,998 ) (39,870 ) (74,655 ) Recoveries 5,067 3,492 7,538 16,097 Effect of foreign currency translation (346 ) — 218 (128 ) Balance at end of period $ 13,354 $ 18,029 $ 42,437 $ 73,820 Liability for third-party lender-owned loans: Balance at beginning of period $ 905 $ — $ 277 $ 1,182 Increase in liability 487 — 164 651 Balance at end of period $ 1,392 $ — $ 441 $ 1,833 Six Months Ended June 30, 2017 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 $ 17,770 $ 26,594 $ 54,581 $ 98,945 Cost of revenue 32,141 39,699 89,961 161,801 Charge-offs (45,441 ) (50,544 ) (119,774 ) (215,759 ) Recoveries 10,927 7,098 20,152 38,177 Effect of foreign currency translation 291 — 384 675 Balance at end of period $ 15,688 $ 22,847 $ 45,304 $ 83,839 Liability for third-party lender-owned loans: Balance at beginning of period $ 1,716 $ — $ 280 $ 1,996 Increase (decrease) in liability 45 — (100 ) (55 ) Balance at end of period $ 1,761 $ — $ 180 $ 1,941 Six Months Ended June 30, 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 27,396 33,722 73,835 134,953 Charge-offs (38,363 ) (38,597 ) (82,669 ) (159,629 ) Recoveries 10,103 7,177 13,796 31,076 Effect of foreign currency translation (434 ) — 532 98 Balance at end of period $ 13,354 $ 18,029 $ 42,437 $ 73,820 Liability for third-party lender-owned loans: Balance at beginning of period $ 1,298 $ — $ 458 $ 1,756 Increase (decrease) in liability 94 — (17 ) 77 Balance at end of period $ 1,392 $ — $ 441 $ 1,833 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 June 30, 2017 and 2016 and December 31, 2016, the amount of consumer loans guaranteed by the Company was $28.0 million, $31.2 million and $32.2 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 $1.9 million, $1.8 million and $2.0 million, as of June 30, 2017 and 2016 and December 31, 2016, respectively, is included in “Accounts payable and accrued expenses” in the consolidated balance sheets. Bank Program Loans In order to leverage its online lending platform, the Company launched a program with a bank in 2016 to provide technology, marketing services, and loan servicing for near-prime unsecured consumer installment loans. Under the program, the Company receives marketing and servicing fees while the bank receives an origination fee. The bank has the ability to sell the loans it originates to the Company. The Company does not guarantee the performance of the loans originated by the bank.

Investment in Unconsolidated In

Investment in Unconsolidated Investee	6 Months Ended
	Jun. 30, 2017
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 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 June 30, 2017 and 2016 and December 31, 2016, 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 evaluation of this investment at June 30, 2017, the Company determined that an impairment loss was not probable at that date.

Long-term Debt

Long-term Debt	6 Months Ended
	Jun. 30, 2017
Debt Disclosure [Abstract]
Long-term Debt	5. Long-term debt The Company’s long-term debt instruments and balances outstanding as of June 30, 2017 and 2016 and December 31, 2016 were as follows (dollars in thousands): June 30, December 31, 2017 2016 2016 Securitization notes $ 151,987 $ 106,846 $ 165,419 Senior Notes 496,029 495,235 495,622 Subtotal 648,016 602,081 661,041 Less: Long-term debt issuance costs (9,267 ) (13,257 ) (11,130 ) Total long-term debt $ 638,749 $ 588,824 $ 649,911 Consumer Loan Securitization 2016-1 Facility On January 15, 2016, the Company and certain of its subsidiaries entered into a receivables securitization (as amended, the “2016-1 Securitization Facility”) with certain purchasers, Jefferies Funding LLC, as administrative agent (the “Administrative Agent”) and Bankers Trust Company, as indenture trustee and securities intermediary (the “Indenture Trustee”). 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 EFR 2016-1, LLC, 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; the 2016-1 Securitization Facility was amended to increase the availability to $40 million until December 31, 2016, and $30 million thereafter, as discussed below. As described below, the Issuer has issued and 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 was limited to $175 million; the 2016-1 Securitization Facility was amended to increase the maximum principal amount to $275 million, as discussed below. At the end of each month during the nine-month revolving period, the Receivables funded by the Variable Funding Notes have been and will be refinanced through the creation of two Term Notes, which Term Notes have been and 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 2016-1 Securitization Facility has been amended to extend the revolving period to October 2017 and the latest maturity to October 2021, as discussed below. The Securitization Notes are issued pursuant to an indenture, dated as of January 15, 2016 (the “Closing Date”). 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 was 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. 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 are 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, defaults under other material indebtedness and certain regulatory matters. The agreements evidencing the 2016-1 Facility, all dated as of the Closing Date, include (i) an Indenture between the Issuer and the Indenture Trustee, (ii) a Note Purchase Agreement among the Issuer, NetCredit Loan Services, LLC (f/k/a Enova Lending Services, LLC), as the Master Servicer, the Administrative Agent and certain purchasers, and (iii) a Receivables Purchase Agreement between the Company and Enova Finance 5, LLC. On July 26, 2016, the Company and certain of its subsidiaries entered into a First Omnibus Amendment (the “First Amendment”) of the 2016-1 Facility that was established on the Closing Date, pursuant to various agreements with certain purchasers, the Administrative Agent and the Indenture Trustee. The First Amendment effected a variety of minor technical changes to the Indenture, the Note Purchase Agreement, the Receivables Purchase Agreement and the servicing agreement for the 2016-1 Facility. These changes included revised procedures under the Note Purchase Agreement for the disbursement to the Issuer of proceeds from draws under the Variable Funding Notes and clarification of modifications that the servicer is permitted to effect to the terms of the Receivables that have been transferred into the EFR 2016-1 Facility. On August 17, 2016, the Company and one of its subsidiaries entered into an Amendment to the Receivables Purchase Agreement. This amendment modified an eligibility criterion for Receivables that the Company sells under the Agreement. On September 12, 2016, the Company and certain of its subsidiaries entered into a Second Omnibus Amendment (the “Second Amendment”) to amend the Indenture and the Receivables Purchase Agreement. The Second Amendment authorized the Company to include in the 2016-1 Facility Receivables originated by a state-chartered bank and acquired by a subsidiary of the Company from that bank, and it adjusted the Investment Pool Cumulative Net Loss Trigger for the Initial Term Note Investment Pool (as such terms are defined in the Indenture), which was the seasoned pool of receivables securitized under the 2016-1 Facility on the Closing Date. On October 20, 2016, the Company and certain of its subsidiaries entered into a Third Amendment and Limited Waiver (the “Third Amendment”) to amend the Indenture and Receivables Purchase Agreement. The Third Amendment increased the maximum principal amount of the 2016-1 Facility to $275 million, increased the Variable Funding Notes maximum principal amount to $40 million until December 31, 2016, and $30 million thereafter, and extended the revolving period of the facility to October 2017. The Third Amendment also adjusted the Note Interest Rate on Term Notes issued after, and amounts outstanding under the Variable Funding Notes after, the date of the Third Amendment (as such terms are defined in the Indenture). The weighted average interest rate on such adjusted Notes is 9.5%. On November 14, 2016, the Company and certain of its subsidiaries entered into a Fourth Amendment (the “Fourth Amendment”) to amend the Indenture and Receivables Purchase Agreement. The Fourth Amendment adjusted the Investment Pool Cumulative Delinquency Trigger (as such term is defined in the Indenture), with an effective date of October 31, 2016. On December 14, 2016, the Company and certain of its subsidiaries entered into a Fifth Amendment (the “Fifth Amendment”) to amend the Indenture and Receivables Purchase Agreement. The Fifth Amendment adjusted the Investment Pool Cumulative Delinquency Trigger (as such term is defined in the Indenture) for the Initial Term Notes, with an effective date of November 30, 2016, expanded the categories of Receivables that could be financed through the 2016-1 Facility and made certain other minor changes. These changes provide the Company with additional flexibility under the 2016-1 Facility. As of June 30, 2017 and 2016, the carrying amount of the 2016-1 Securitization Facility was $138.8 million and $103.9 million, respectively, which included unamortized issuance costs of $1.1 million and $2.9 million, respectively. The issuance costs are being amortized to interest expense over a period of four years. The total interest expense recognized was $7.5 million and $6.2 million of which $0.8 million and $1.8 million represented the non-cash amortization of the issuance costs for the six months ended June 30, 2017 and 2016, respectively. 2016-2 Facility On December 1, 2016, the Company and certain of its subsidiaries entered into a receivables securitization (the “2016-2 Facility”) with Redpoint Capital Asset Funding, LLC, as lender (the “Lender”). The 2016-2 Facility securitizes unsecured consumer installment loans (“Redpoint Receivables”) that have been and will be originated or acquired under the Company’s NetCredit brand by several of the Company’s subsidiaries (the “Originators”) and that meet specified eligibility criteria, including that the annual percentage rate for each securitized consumer loan is greater than or equal to 90%. Under the 2016-2 Facility, Redpoint Receivables are sold to a wholly-owned special purpose subsidiary of the Company (the “Debtor”) and serviced by another subsidiary of the Company. The Debtor has issued a revolving note with an initial maximum principal balance of $20.0 million (the “Initial Facility Size”), which is required to be secured by $25.0 million in unsecured consumer loans. The Initial Facility Size may be increased under the 2016-2 Facility to $40 million. The 2016-2 Facility is non-recourse to the Company and matures on December 1, 2019. The 2016-2 Facility is governed by a loan and security agreement, dated as of December 1, 2016, between the Lender and the Debtor. The 2016-2 Facility bears interest at a rate per annum equal to LIBOR (subject to a floor) plus an applicable margin, which rate per annum was initially 12.50%. In addition, the Debtor paid certain customary upfront closing fees to the Lender. Interest payments on the 2016-2 Facility will be made monthly. Subject to certain exceptions, the Debtor is not permitted to prepay the 2016-2 Facility prior to October 1, 2018. Following such date, the Debtor is permitted to voluntarily prepay the 2016-2 Facility without penalty. Any remaining amounts outstanding will be payable no later than December 1, 2019. All amounts due under the 2016-2 Facility are secured by all of the Debtor’s assets, which include the Redpoint Receivables transferred to the Debtor, related rights under the Redpoint Receivables, a bank account and certain other related collateral. The 2016-2 Facility documents contain customary provisions for securitizations, including: representations and warranties as to the eligibility of the Redpoint Receivables and other matters; indemnification for specified losses not including losses due to the inability of consumers to repay the related Receivables; and default and termination provisions which provide for the acceleration of the 2016-2 Facility in circumstances including, but not limited to, failure to make payments when due, certain insolvency events, breaches of representations, warranties or covenants, failure to maintain the security interest in the receivables and defaults under other material indebtedness of the Debtor. As of June 30, 2017, the carrying amount of the 2016-2 Facility was $12.1 million. In connection with the issuance of the 2016-2 Facility, the Company incurred debt issuance costs of approximately $0.2 million. The unamortized balance of these costs as of June 30, 2017 is included in “Other assets” in the consolidated balance sheets. These costs are being amortized to interest expense over a period of 36 months, the term of the 2016-2 Facility. The total interest expense recognized was $0.9 million for the six months ended June 30, 2017. Revolving Credit Facilities On May 14, 2014, the Company and certain of its 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 “2014 Credit Agreement”). The 2014 Credit Agreement was terminated on June 30, 2017. The Company had no outstanding borrowings under the 2014 Credit Agreement as of June 30, 2016 and December 31, 2016. The 2014 Credit Agreement also included a sub-limit of up to $20.0 million for standby or commercial letters of credit. In the event that an amount was paid by the issuing bank under a letter of credit, it would have been due and payable by the Company on demand. The Company had outstanding letters of credit under the 2014 Credit Agreement of $6.6 million as of each of June 30, 2016 and December 31, 2016. In connection with the issuance of the 2014 Credit Agreement, as amended, 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 was included in “Other assets” in the consolidated balance sheets. These costs were amortized to interest expense over a period of 37 months, the term of the 2014 Credit Agreement. On June 30, 2017, the Company and certain of its operating subsidiaries entered into an asset-backed secured revolving credit agreement with a syndicate of banks including TBK Bank, SSB (“TBK”), as Administrative Agent and Collateral Agent, Jefferies Finance LLC and TBK as Joint Lead Arrangers and Joint Lead Bookrunners, and Green Bank, N.A., as Lender (the “2017 Credit Agreement”). The 2017 Credit Agreement is secured by domestic receivables and replaced the 2014 Credit Agreement. The borrowing limit in the 2017 Credit Agreement increased to $40 million from $35 million in the 2014 Credit Agreement, and its maturity date is May 1, 2020. The Company had no outstanding borrowings under the 2017 Credit Agreement as of June 30, 2017. The 2017 Credit Agreement provides for a revolving credit line with interest on borrowings under the facility at prime rate plus 1.00%. In addition, the 2017 Credit Agreement provides for payment of a commitment fee calculated with respect to the unused portion of the line, and ranges from 0.30% per annum to 0.50% per annum depending on usage. A portion of the revolving credit facility, up to a maximum of $20 million, is available for the issuance of letters of credit. The Company had outstanding letters of credit under the 2017 Credit Agreement of $6.0 million as of June 30, 2017. The 2017 Credit Agreement provides for certain prepayment penalties if it is terminated on or before its first and second anniversary date, subject to certain exceptions. The 2017 Credit Agreement contains certain limitations on the incurrence of additional indebtedness, investments, the attachment of liens to the Company’s property, the amount of dividends and other distributions, fundamental changes to the Company or its business and certain other activities of the Company. The 2017 Credit Agreement contains standard financial covenants for a facility of this type based on a leverage ratio and a fixed charge coverage ratio. The 2017 Credit Agreement also provides for customary affirmative covenants, including financial reporting requirements, and certain events of default, including payment defaults, covenant defaults and other customary defaults. In connection with the issuance of the 2017 Credit Agreement, as amended, the Company incurred debt issuance costs of approximately $1.8 million, which primarily consisted of underwriting fees and legal expenses. The unamortized balance of these costs as of June 30, 2017 is included in “Other assets” in the consolidated balance sheets. These costs are being amortized to interest expense over a period of 34 months, the term of the 2017 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 June 30, 2017 and 2016, the carrying amount of the Senior Notes was $487.8 million and $484.9 million, respectively, which included an unamortized discount of $4.0 million and $4.8 million, respectively, and unamortized issuance costs of $8.2 million and $10.3 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 $25.8 million for each of the six months ended June 30, 2017 Weighted-average interest rates on long-term debt were 10.72% and 10.92% during the six months ended June 30, 2017 and 2016, respectively. As of June 30, 2017 and 2016 and

Earnings Per Share

Earnings Per Share	6 Months Ended
	Jun. 30, 2017
Earnings Per Share [Abstract]
Earnings Per Share	6. 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 and six months ended June 30, 2017 and 2016 (in thousands, except per share amounts): Three Months Ended Six Months Ended June 30, June 30, 2017 2016 2017 2016 Numerator: Net income $ 11,873 $ 8,188 $ 25,725 $ 18,051 Denominator: Total weighted average basic shares 33,553 33,175 33,463 33,159 Shares applicable to stock-based compensation 572 160 618 102 Total weighted average diluted shares 34,125 33,335 34,081 33,261 Earnings per share: Net income per share – basic $ 0.35 $ 0.25 $ 0.77 $ 0.54 Net income per share – diluted $ 0.35 $ 0.25 $ 0.75 $ 0.54 For the three months ended June 30, 2017 and 2016 June 30, 2017 and 2016

Operating Segment Information

Operating Segment Information	6 Months Ended
	Jun. 30, 2017
Segment Reporting [Abstract]
Operating Segment Information	7. Operating Segment Information The Company provides online financial services to alternative credit consumers and small businesses in the United States, United Kingdom and Brazil and has one reportable segment, which is composed of the Company’s domestic and international operations and corporate services. 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, international operations and corporate services as of and for the three and six months ended June 30, 2017 and 2016 (dollars in thousands): Three Months Ended Six Months Ended June 30, June 30, 2017 2016 2017 2016 Revenue Domestic $ 158,073 $ 140,342 $ 322,742 $ 283,770 International 31,831 32,193 59,425 63,418 Total revenue $ 189,904 $ 172,535 $ 382,167 $ 347,188 Income (Loss) from operations Domestic $ 58,565 $ 49,120 $ 120,635 $ 104,702 International 3,728 7,326 5,922 10,477 Corporate services (27,090 ) (27,639 ) (53,282 ) (54,523 ) Total income from operations $ 35,203 $ 28,807 $ 73,275 $ 60,656 Depreciation and amortization Domestic $ 1,532 $ 1,585 $ 3,058 $ 3,167 International 361 799 740 1,404 Corporate services 1,473 1,844 3,065 3,644 Total depreciation and amortization $ 3,366 $ 4,228 $ 6,863 $ 8,215 Expenditures for property and equipment Domestic $ 1,429 $ 2,261 $ 2,040 $ 3,030 International 1,035 642 2,120 1,446 Corporate services 681 2,516 1,141 3,173 Total expenditures for property and equipment $ 3,145 $ 5,419 $ 5,301 $ 7,649 June 30, 2017 2016 Property and equipment, net Domestic $ 19,872 $ 17,524 International 6,364 4,495 Corporate services 18,093 25,187 Total property and equipment, net $ 44,329 $ 47,206 Assets Domestic $ 820,156 $ 734,150 International 115,535 98,651 Corporate services 66,178 78,068 Total assets $ 1,001,869 $ 910,869 Geographic Information The following table presents the Company’s revenue by geographic region for the three and six months ended June 30, 2017 and 2016 (dollars in thousands): Three Months Ended Six Months Ended June 30, June 30, 2017 2016 2017 2016 Revenue United States $ 158,073 $ 140,342 $ 322,742 $ 283,770 United Kingdom 27,406 26,180 51,849 52,089 Other international countries 4,425 6,013 7,576 11,329 Total revenue $ 189,904 $ 172,535 $ 382,167 $ 347,188 The Company’s long-lived assets, which consist of the Company’s property and equipment, were $44.3 million and $47.2 million at June 30, 2017 and 2016, 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	6 Months Ended
	Jun. 30, 2017
Commitments And Contingencies Disclosure [Abstract]
Commitments and Contingencies	8. 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. Appellate briefing is now complete. 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 or by indemnification agreements with third parties. 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. The Company relocated to its current headquarters in 2015 and recognized an 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 did not incur further material costs related to the relocation. The following table is a summary of the exit and disposal activity and liability balances as a result of the headquarters relocation for the six months ended June 30, 2017 and the twelve months ended December 31, 2016 (in thousands): Lease Termination Costs Other Exit Costs Total Balance at January 1, 2016 $ 1,425 $ 204 $ 1,629 Payments (1,132 ) — (1,132 ) Adjustments 344 (69 ) 275 Balance at December 31, 2016 $ 637 $ 135 $ 772 Balance at January 1, 2017 $ 637 $ 135 $ 772 Payments (554 ) (9 ) (563 ) Adjustments (83 ) (126 ) (209 ) Balance at June 30, 2017 $ — $ — $ —

Derivative Instruments

Derivative Instruments	6 Months Ended
	Jun. 30, 2017
Derivative Instruments And Hedging Activities Disclosure [Abstract]
Derivative Instruments	9 . Derivative Instruments The Company has periodically used derivative instruments to manage risk from changes in market conditions that may affect the Company’s financial performance. The Company has primarily used derivative instruments to manage its primary market risks, which are interest rate risk and foreign currency exchange rate risk. The Company has periodically used 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” in the Company’s consolidated statements of income. As of June 30, 2017, the Company did not manage its exposure to risk from foreign currency exchange rate fluctuations through the use of forward currency exchange contracts in the United Kingdom or Brazil. The Company had no outstanding derivative instruments as of June 30, 2017 and 2016 and December 31, 2016. There were no effects of derivative instruments on the consolidated results of operations and accumulated other comprehensive income (“AOCI”) for the three months ended June 30, 2017 and 2016. The following table presents information on the effect of derivative instruments on the consolidated results of operations and accumulated other comprehensive income for the six months ended June 30, 2017 and 2016 (dollars in thousands): Gains (Losses) Gains (Losses) Recognized in Gains (Losses) Reclassified From Income Recognized in AOCI AOCI into Income Six Months Ended Six Months Ended Six Months Ended June 30, June 30, June 30, 2017 2016 2017 2016 2017 2016 Non-designated derivatives: Forward currency exchange contracts (1) $ — $ 3,020 $ — $ — $ — $ — Total $ — $ 3,020 $ — $ — $ — $ — (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	6 Months Ended
	Jun. 30, 2017
Related Party Transactions [Abstract]
Related Party Transactions	10. 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 provide 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 six months ended June 30, 2017 the Company did not attain any relationships through these transactions with the small business. During the six months ended June 30, 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 six months ended June 30, 2017 and 2016, the Company incurred interest expense of $63 thousand and $60 thousand, respectively, 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 six months ended June 30, 2017 and 2016, the Company was paid $14 thousand and $20 thousand, respectively, for such services. 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 a fee per transaction paid to the Company as well as the reimbursement of the Company’s direct third-party costs incurred in providing the service. The Company received $0.4 million for each of the six months ended June 30, 2017 and 2016, respectively, pursuant to this agreement. Since May 30, 2014, amounts due from or due to Cash America or FirstCash have been settled a month in arrears. The balance due from Cash America of $0.1 million as of June 30, 2016 June 30, 2017 December 31, 2016

Variable Interest Entities

Variable Interest Entities	6 Months Ended
	Jun. 30, 2017
Variable Interest Entities [Abstract]
Variable Interest Entities	11. 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 and 2016-2 Securitization Facilities. 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 (dollars in thousands): June 30, December 31, 2017 2016 2016 Assets Cash and cash equivalents $ — $ 105 $ — Restricted cash and cash equivalents 19,119 13,930 19,468 Loans and finance receivables, net 223,372 142,289 216,766 Other receivables and prepaid expenses 3 2 3 Other assets 2,190 — 2,459 Total assets $ 244,684 $ 156,326 $ 238,696 Liabilities Accounts payable and accrued expenses $ 1,433 $ 681 $ 1,350 Long-term debt 150,933 103,898 163,550 Total liabilities $ 152,366 $ 104,579 $ 164,900

Fair Value Measurements

Fair Value Measurements	6 Months Ended
	Jun. 30, 2017
Fair Value Disclosures [Abstract]
Fair Value Measurements	12. 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 six months ended June 30, 2017 and 2016, 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 June 30, 2017 and 2016 and December 31, 2016 are as follows (dollars in thousands): June 30, Fair Value Measurements Using 2017 Level 1 Level 2 Level 3 Financial assets (liabilities): Non-qualified savings plan assets (1) 1,387 1,387 — — Contingent consideration (2,358 ) — — (2,358 ) Total $ (971 ) $ 1,387 $ — $ (2,358 ) June 30, Fair Value Measurements Using 2016 Level 1 Level 2 Level 3 Financial assets (liabilities): Non-qualified savings plan assets (1) 1,550 1,550 — — Contingent consideration (5,658 ) — — (5,658 ) Total $ (4,108 ) $ 1,550 $ — $ (5,658 ) December 31, Fair Value Measurements Using 2016 Level 1 Level 2 Level 3 Financial assets (liabilities): Non-qualified savings plan assets (1) 1,590 1,590 — — Contingent consideration (2,358 ) — — (2,358 ) Total $ (768 ) $ 1,590 $ — $ (2,358 ) (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 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 June 30, 2016 $ 5,658 $ 5,658 Fair Value Measurements Using Significant Unobservable Inputs (Level 3) Contingent consideration Total Balance at December 31, 2016 $ 2,358 $ 2,358 Adjustments — — Balance at June 30, 2017 $ 2,358 $ 2,358 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 June 30, 2017 and 2016 and December 31, 2016 Financial Assets and Liabilities Not Measured at Fair Value The Company’s financial assets and liabilities as of June 30, 2017 and 2016 and December 31, 2016 that are not measured at fair value in the consolidated balance sheets are as follows (dollars in thousands): Balance at June 30, Fair Value Measurements Using 2017 Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents $ 46,209 $ 46,209 $ — $ — Short-term loans and line of credit accounts, net (1) 157,184 — — 157,184 Installment loans and RPAs, net (1)(4) 406,812 — — 441,701 Restricted cash (5) 26,636 26,636 — — Investment in unconsolidated investee (2)(3) 6,703 — — 6,703 Total $ 643,544 $ 72,845 $ — $ 605,588 Financial liabilities: Liability for estimated losses on consumer loans guaranteed by the Company $ 1,941 $ — $ — $ 1,941 Promissory note 3,000 — — 3,202 Securitization Notes 151,987 — 153,812 — Senior Notes 496,029 — 518,855 — Total $ 652,957 $ — $ 672,667 $ 5,143 Balance at June 30, Fair Value Measurements Using 2016 Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents $ 39,167 $ 39,167 $ — $ — Short-term loans and line of credit accounts, net (1) 145,445 — — 145,445 Installment loans and RPAs, net (1)(4) 344,545 — — 379,794 Restricted cash (5) 34,601 34,601 — — Investment in unconsolidated investee (2)(3) 6,703 — — 6,703 Total $ 570,461 $ 73,768 $ — $ 531,942 Financial liabilities: Liability for estimated losses on consumer loans guaranteed by the Company $ 1,833 $ — $ — $ 1,833 Promissory note 3,000 — — 3,018 Securitization Notes 106,846 — 106,846 — Senior Notes 495,235 — 396,250 — Total $ 606,914 $ — $ 503,096 $ 4,851 Balance at December 31, Fair Value Measurements Using 2016 Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents $ 39,934 $ 39,934 $ — $ — Short-term loans and line of credit accounts, net (1) 162,824 — — 162,824 Installment loans and RPAs, net (1)(4) 398,726 — — 430,895 Restricted cash (5) 26,306 26,306 — — Investment in unconsolidated investee (2)(3) 6,703 — — 6,703 Total $ 634,493 $ 66,240 $ — $ 600,422 Financial liabilities: Liability for estimated losses on consumer loans guaranteed by the Company $ 1,996 $ — $ — $ 1,996 Promissory note 3,000 — — 3,111 Securitization Notes 165,419 — 168,216 — Senior Notes 495,622 — 495,940 — Total $ 666,037 $ — $ 664,156 $ 5,107 (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 $223.4 million, $142.3 million and $216.8 million in net assets of consolidated VIEs as of June 30, 2017 and 2016 and December 31, 2016, respectively. (5) Restricted cash includes $19.1 million, $13.9 million and $19.5 million in assets of consolidated VIEs as of June 30, 2017 and 2016 and December 31, 2016, respectively. 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. As of June 30, 2017 and 2016 and December 31, 2016, the fair value of the Company’s installment loans and RPAs was greater 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 18 months. 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 June 30, 2017 and 2016 and December 31, 2016 the Company estimated the fair value of its investment to be approximately equal to the book value. 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 $1.9 million, $1.8 million and $2.0 million as of June 30, 2017 and 2016 and December 31, 2016, 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 June 30, 2017 and 2016 and December 31, 2016, the Promissory Note had a higher 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 Securitization Notes is estimated based on quoted prices in markets that are not active. As of , the Company’s Securitization Notes had a higher fair value than 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 , the Company’s had a higher fair value than the carrying value. ,

Condensed Consolidating Financi

Condensed Consolidating Financial Statements	6 Months Ended
	Jun. 30, 2017
Condensed Financial Information Of Parent Company Only Disclosure [Abstract]
Condensed Consolidating Financial Statements	13. Condensed Consolidating Financial Statements The Company’s Senior Notes are unconditionally guaranteed by certain of the Company’s subsidiaries (the “Guarantor Subsidiaries”) and are not secured by its 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, the Company is required, in accordance with Rule 3-10 of Regulation S-X, 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 June 30, 2017 and 2016 and December 31, 2016 and for the periods ended June 30, 2017 and 2016 are shown on the following pages. CONDENSED CONSOLIDATING BALANCE SHEETS As of June 30, 2017 (dollars in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Assets Cash and cash equivalents $ — $ 41,612 $ 4,597 $ — $ 46,209 Restricted cash — 7,517 19,119 — 26,636 Loans and finance receivables, net — 331,618 232,378 — 563,996 Income taxes receivable 97,048 (83,659 ) 21 — 13,410 Other receivables and prepaid expenses 112 20,450 1,444 — 22,006 Property and equipment, net — 43,681 648 — 44,329 Goodwill — 267,012 — — 267,012 Intangible assets, net — 4,864 1 — 4,865 Investment in subsidiaries 342,490 39,760 — (382,250 ) — Intercompany receivable 322,672 — — (322,672 ) — Other assets 3,847 7,369 2,190 — 13,406 Total assets $ 766,169 $ 680,224 $ 260,398 $ (704,922 ) $ 1,001,869 Liabilities and Stockholders' Equity Accounts payable and accrued expenses $ 4,162 $ 56,246 $ 2,391 $ — $ 62,799 Intercompany payables — 247,094 75,578 (322,672 ) — Deferred tax liabilities, net (377 ) 26,608 (478 ) — 25,753 Long-term debt 487,816 — 150,933 — 638,749 Total liabilities 491,601 329,948 228,424 (322,672 ) 727,301 Commitments and contingencies Stockholders' equity 274,568 350,276 31,974 (382,250 ) 274,568 Total liabilities and stockholders' equity $ 766,169 $ 680,224 $ 260,398 $ (704,922 ) $ 1,001,869 CONDENSED CONSOLIDATING BALANCE SHEETS As of June 30, 2016 (dollars in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Assets Cash and cash equivalents $ — $ 37,311 $ 1,856 $ — $ 39,167 Restricted cash — 20,671 13,930 — 34,601 Loans and finance receivables, net — 340,130 149,860 — 489,990 Other receivables and prepaid expenses 154 18,079 235 — 18,468 Property and equipment, net — 46,852 354 — 47,206 Goodwill — 267,013 — — 267,013 Intangible assets, net — 5,939 7 — 5,946 Investment in subsidiaries 262,271 18,641 — (280,912 ) — Intercompany receivable 402,271 — — (402,271 ) — Other assets 614 7,864 — — 8,478 Total assets $ 665,310 $ 762,500 $ 166,242 $ (683,183 ) $ 910,869 Liabilities and Stockholders' Equity Accounts payable and accrued expenses $ 4,161 $ 69,528 $ 1,486 $ - $ 75,175 Intercompany payables — 352,511 49,762 (402,273 ) — Income taxes currently payable (47,687 ) 50,593 6 — 2,912 Deferred tax liabilities, net (371 ) 20,539 (491 ) — 19,677 Long-term debt 484,926 — 103,898 — 588,824 Total liabilities 441,029 493,171 154,661 (402,273 ) 686,588 Commitments and contingencies Stockholders' equity 224,281 269,329 11,581 (280,910 ) 224,281 Total liabilities and stockholders' equity $ 665,310 $ 762,500 $ 166,242 $ (683,183 ) $ 910,869 CONDENSED CONSOLIDATING BALANCE SHEETS As of December 31, 2016 (dollars in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Assets Cash and cash equivalents $ — $ 36,057 $ 3,877 $ — $ 39,934 Restricted cash — 6,838 19,468 — 26,306 Loans and finance receivables, net — 335,160 226,390 — 561,550 Other receivables and prepaid expenses 127 19,095 302 — 19,524 Property and equipment, net — 46,507 593 — 47,100 Goodwill — 267,010 — — 267,010 Intangible assets, net — 5,400 4 — 5,404 Investment in subsidiaries 294,646 25,131 — (319,777 ) — Intercompany receivable 363,942 — — (363,942 ) — Other assets 597 7,995 2,459 — 11,051 Total assets $ 659,312 $ 749,193 $ 253,093 $ (683,719 ) $ 977,879 Liabilities and Stockholders' Equity Accounts payable and accrued expenses $ 4,310 $ 65,714 $ 1,647 $ — $ 71,671 Intercompany payables — 295,763 68,179 (363,942 ) — Income taxes currently payable (72,704 ) 73,006 (20 ) — 282 Deferred tax liabilities, net (354 ) 15,156 (486 ) — 14,316 Long-term debt 486,361 — 163,550 — 649,911 Total liabilities 417,613 449,639 232,870 (363,942 ) 736,180 Commitments and contingencies Stockholders' equity 241,699 299,554 20,223 (319,777 ) 241,699 Total liabilities and stockholders' equity $ 659,312 $ 749,193 $ 253,093 $ (683,719 ) $ 977,879 CONDENSED CONSOLIDATING STATEMENTS OF INCOME AND COMPREHENSIVE INCOME For the Three Months Ended June 30, 2017 (in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Revenue $ — $ 157,406 $ 33,744 $ (1,246 ) $ 189,904 Cost of Revenue — 58,517 21,345 — 79,862 Gross Profit — 98,889 12,399 (1,246 ) 110,042 Expenses Marketing — 22,890 520 — 23,410 Operations and technology — 20,237 1,581 — 21,818 General and administrative 86 25,455 1,950 (1,246 ) 26,245 Depreciation and amortization — 3,320 46 — 3,366 Total Expenses 86 71,902 4,097 (1,246 ) 74,839 Income (Loss) from Operations (86 ) 26,987 8,302 — 35,203 Interest expense, net (13,365 ) (29 ) (3,618 ) — (17,012 ) Foreign currency transaction gain 57 5 — — 62 Income (Loss) before Income Taxes and Equity in Net Earnings of Subsidiaries (13,394 ) 26,963 4,684 — 18,253 Provision for income taxes (4,673 ) 9,425 1,628 — 6,380 Income (loss) before Equity in Net Earnings of Subsidiaries (8,721 ) 17,538 3,056 — 11,873 Net earnings of subsidiaries 20,594 3,056 — (23,650 ) — Net Income (Loss) $ 11,873 $ 20,594 $ 3,056 $ (23,650 ) $ 11,873 Other comprehensive (loss) gain, net of tax: Foreign currency translation (loss) gain 1,371 2,383 (1,012 ) (1,371 ) 1,371 Total other comprehensive (loss) gain, net of tax 1,371 2,383 (1,012 ) (1,371 ) 1,371 Comprehensive Income (Loss) $ 13,244 $ 22,977 $ 2,044 $ (25,021 ) $ 13,244 CONDENSED CONSOLIDATING STATEMENTS OF INCOME AND COMPREHENSIVE INCOME For the Three Months Ended June 30, 2016 (in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Revenue $ — $ 135,010 $ 38,334 $ (809 ) $ 172,535 Cost of Revenue — 38,001 27,452 — 65,453 Gross Profit — 97,009 10,882 (809 ) 107,082 Expenses Marketing — 25,358 239 — 25,597 Operations and technology — 19,954 981 — 20,935 General and administrative 105 26,886 1,333 (809 ) 27,515 Depreciation and amortization — 4,207 21 — 4,228 Total Expenses 105 76,405 2,574 (809 ) 78,275 (Loss) Income from Operations (105 ) 20,604 8,308 — 28,807 Interest (expense) income, net (13,179 ) 311 (3,158 ) — (16,026 ) Foreign currency transaction gain 471 — — — 471 (Loss) Income before Income Taxes and Equity in Net Earnings of Subsidiaries (12,813 ) 20,915 5,150 — 13,252 Provision for income taxes (5,018 ) 7,802 2,280 — 5,064 (Loss) Income before Equity in Net Earnings of Subsidiaries (7,795 ) 13,113 2,870 — 8,188 Net earnings of subsidiaries 15,983 2,870 — (18,853 ) — Net Income (Loss) $ 8,188 $ 15,983 $ 2,870 $ (18,853 ) $ 8,188 Other comprehensive (loss) gain, net of tax: Foreign currency translation (loss) gain (3,689 ) (4,610 ) 919 3,691 (3,689 ) Total other comprehensive (loss) gain, net of tax (3,689 ) (4,610 ) 919 3,691 (3,689 ) Comprehensive Income (Loss) $ 4,499 $ 11,373 $ 3,789 $ (15,162 ) $ 4,499 CONDENSED CONSOLIDATING STATEMENTS OF INCOME AND COMPREHENSIVE INCOME For the Six Months Ended June 30, 2017 (in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Revenue $ — $ 318,173 $ 66,528 $ (2,534 ) $ 382,167 Cost of Revenue — 117,932 43,814 — 161,746 Gross Profit — 200,241 22,714 (2,534 ) 220,421 Expenses Marketing — 42,263 730 — 42,993 Operations and technology — 42,179 3,170 — 45,349 General and administrative 134 50,314 4,027 (2,534 ) 51,941 Depreciation and amortization — 6,775 88 — 6,863 Total Expenses 134 141,531 8,015 (2,534 ) 147,146 (Loss) Income from Operations (134 ) 58,710 14,699 — 73,275 Interest expense, net (26,542 ) (64 ) (7,628 ) — (34,234 ) Foreign currency transaction gain 284 5 — — 289 (Loss) Income before Income Taxes and Equity in Net Earnings of Subsidiaries (26,392 ) 58,651 7,071 — 39,330 Provision for income taxes (9,129 ) 20,288 2,446 — 13,605 (Loss) Income before Equity in Net Earnings of Subsidiaries (17,263 ) 38,363 4,625 — 25,725 Net earnings of subsidiaries 42,988 4,625 — (47,613 ) — Net Income (Loss) $ 25,725 $ 42,988 $ 4,625 $ (47,613 ) $ 25,725 Other comprehensive gain (loss), net of tax: Foreign currency translation gain (loss) 2,509 2,893 (384 ) (2,509 ) 2,509 Total other comprehensive gain (loss), net of tax 2,509 2,893 (384 ) (2,509 ) 2,509 Comprehensive Income (Loss) $ 28,234 $ 45,881 $ 4,241 $ (50,122 ) $ 28,234 CONDENSED CONSOLIDATING STATEMENTS OF INCOME AND COMPREHENSIVE INCOME For the Six Months Ended June 30, 2016 (in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Revenue $ — $ 308,146 $ 40,540 $ (1,498 ) $ 347,188 Cost of Revenue — 104,446 30,584 — 135,030 Gross Profit — 203,700 9,956 (1,498 ) 212,158 Expenses Marketing — 46,140 638 — 46,778 Operations and technology — 39,137 1,932 — 41,069 General and administrative 148 54,328 2,462 (1,498 ) 55,440 Depreciation and amortization — 8,175 40 — 8,215 Total Expenses 148 147,780 5,072 (1,498 ) 151,502 (Loss) Income from Operations (148 ) 55,920 4,884 — 60,656 Interest (expense) income, net (26,451 ) 736 (6,226 ) — (31,941 ) Foreign currency transaction gain 2,039 — — — 2,039 (Loss) Income before Income Taxes and Equity in Net Earnings of Subsidiaries (24,560 ) 56,656 (1,342 ) — 30,754 Provision for income taxes (10,145 ) 23,402 (554 ) — 12,703 (Loss) Income before Equity in Net Earnings of Subsidiaries (14,415 ) 33,254 (788 ) — 18,051 Net earnings of subsidiaries 32,466 (788 ) — (31,678 ) — Net Income (Loss) $ 18,051 $ 32,466 $ (788 ) $ (31,678 ) $ 18,051 Other comprehensive (loss) gain, net of tax: Foreign currency translation (loss) gain (3,825 ) (5,258 ) 1,430 3,828 (3,825 ) Total other comprehensive (loss) gain, net of tax (3,825 ) (5,258 ) 1,430 3,828 (3,825 ) Comprehensive Income (Loss) $ 14,226 $ 27,208 $ 642 $ (27,850 ) $ 14,226 CONDENSED CONSOLIDATING STATEMENTS OF CASH FLOWS For the Six Months Ended June 30, 2017 (in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Cash Flows from Operating Activities $ 672 $ 203,382 $ (10,877 ) $ (7,119 ) $ 186,058 Cash Flows from Investing Activities Loans and finance receivables originated or acquired — (592,766 ) (14,666 ) — (607,432 ) Securitized loans transferred — 98,610 (98,610 ) — — Loans and finance receivables repaid — 311,931 130,770 — 442,701 Change in restricted cash — (336 ) 349 — 13 Purchases of property and equipment — (5,148 ) (153 ) — (5,301 ) Capital contributions to subsidiaries — (7,510 ) — 7,510 — Other investing activities — 1,482 — — 1,482 Net cash (used in) provided by investing activities — (193,737 ) 17,690 7,510 (168,537 ) Cash Flows from Financing Activities (Payments for) proceeds from member's equity — (7,119 ) 7,510 (391 ) — Debt issuance costs paid — (1,797 ) — — (1,797 ) Treasury shares purchased (672 ) — — — (672 ) Borrowings under securitization facility — — 65,600 — 65,600 Repayments under securitization facility — — (79,031 ) — (79,031 ) Net cash used in financing activities (672 ) (8,916 ) (5,921 ) (391 ) (15,900 ) Effect of exchange rates on cash — 4,826 (172 ) — 4,654 Net increase in cash and cash equivalents — 5,555 720 — 6,275 Cash and cash equivalents at beginning of year — 36,057 3,877 — 39,934 Cash and cash equivalents at end of period $ — $ 41,612 $ 4,597 $ — $ 46,209 CONDENSED CONSOLIDATING STATEMENTS OF CASH FLOWS For the Six Months Ended June 30, 2016 (in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Cash Flows from Operating Activities $ 87,625 $ 71,778 $ 49,481 $ (28,377 ) $ 180,507 Cash Flows from Investing Activities Loans and finance receivables originated or acquired — (456,816 ) (148,898 ) — (605,714 ) Loans and finance receivables repaid — 410,445 5,085 — 415,530 Change in restricted cash — (14,005 ) (13,930 ) — (27,935 ) Purchases of property and equipment — (7,559 ) (90 ) — (7,649 ) Capital contributions to subsidiaries (29,163 ) (5,250 ) — 34,413 — Other investing activities — 95 — — 95 Net cash (used in) provided by investing activities (29,163 ) (73,090 ) (157,833 ) 34,413 (225,673 ) Cash Flows from Financing Activities Proceeds from (payments for) member's equity — 786 5,250 (6,036 ) — Debt issuance costs paid — — (3,271 ) — (3,271 ) Treasury shares purchased (62 ) — — — (62 ) Borrowings under revolving line of credit 20,000 — — — 20,000 Repayments under revolving line of credit (78,400 ) — — — (78,400 ) Borrowings under securitization facility — — 162,761 — 162,761 Repayments under securitization facility — — (55,915 ) — (55,915 ) Net cash (used in) provided by financing activities (58,462 ) 786 108,825 (6,036 ) 45,113 Effect of exchange rates on cash — (3,090 ) 244 — (2,846 ) Net (decrease) increase in cash and cash equivalents — (3,616 ) 717 — (2,899 ) Cash and cash equivalents at beginning of year — 40,927 1,139 — 42,066 Cash and cash equivalents at end of period $ — $ 37,311 $ 1,856 $ — $ 39,167

Subsequent Events

Subsequent Events	6 Months Ended
	Jun. 30, 2017
Subsequent Events [Abstract]
Subsequent Events	14. Subsequent Events Subsequent events have been reviewed through the date these financial statements were available to be issued.

Significant Accounting Polici23

Significant Accounting Policies (Policies)	6 Months Ended
	Jun. 30, 2017
Accounting Policies [Abstract]
Basis of Presentation	Basis of Presentation On September 7, 2011, Cash America International, Inc. (“Cash America,” now known as FirstCash, Inc. due to its merger with First Cash Financial Services, Inc. on September 1, 2016), 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”). Cash America (and then First Cash) retained approximately 20% of the Company’s stock but completed the sale of its entire holding in the Company as of December 6, 2016. 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. 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, arranges, guarantees or purchases consumer loans and provides financing to small businesses through a line of credit account, installment loan or receivables purchase agreement 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 lines of credit, small business installment loans and RPAs. The Company consolidates any variable interest entity (“VIE”) where it has been determined it is 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 June 30, 2017 and 2016 and for the three and six-month periods ended June 30, 2017 and 2016 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 three and six-month periods are not necessarily indicative of the results that may be expected for the full fiscal year. These financial statements and related notes should be read in conjunction with the Company’s audited consolidated financial statements as of December 31, 2016 and 2015 and for the years ended December 31, 2016, 2015 and 2014 and related notes, which are included on Form 10-K filed with the SEC on February 24, 2017.
Restricted Cash	Restricted Cash The Company includes funds to be used for future debt payments relating to its 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 and on loans it acquires. “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”) (“CSO fees”), revenue on RPAs, service charges, draw fees, minimum billing fees, purchase 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 and purchase fees are 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
Goodwill	Goodwill Goodwill represents the excess of the purchase price over the fair value of the net tangible and identifiable intangible assets acquired in each business combination. In accordance with Accounting Standards Codification, or ASC, 350, Goodwill, the Company tests goodwill and intangible assets with an indefinite life for potential impairment annually as of June 30 and between annual tests if an event occurs or circumstances change that would more likely than not reduce the fair value below its carrying amount. The Company first assesses qualitative factors to determine whether it is necessary to perform the two-step quantitative goodwill impairment test. In assessing the qualitative factors, management considers relevant events and circumstances including but not limited to macroeconomic conditions, industry and market environment, overall financial performance of the Company, cash flow from operating activities, market capitalization and stock price. If the Company determines that the two-step quantitative impairment test is required, management uses the income approach to complete its annual goodwill assessment. The income approach uses future cash flows and estimated terminal values for the Company that are discounted using a market participant perspective to determine the fair value, which is then compared to the carrying value to determine if there is impairment. The income approach includes assumptions about revenue growth rates, operating margins and terminal growth rates discounted by an estimated weighted-average cost of capital derived from other publicly-traded companies that are similar but not identical from an operational and economic standpoint. The Company completed its annual assessment of goodwill as of June 30, 2017 based on qualitative factors and determined that the fair value of its goodwill exceeded carrying value, and, as a result, no impairment existed at that date. Although no goodwill impairment was noted, there can be no assurances that future goodwill impairments will not occur.
Adopted Accounting Standards	Adopted In March 2016, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) 2016-09, Improvements to Employee Share-Based Payment Accounting Accounting Standards to be Adopted in Future Periods In May 2017, the FASB issued ASU 2017-09, Compensation–Stock Compensation (Topic 718): Scope of Modification Accounting In January 2017, the FASB issued ASU 2017-05, Other Income—Gains and Losses from the Derecognition of Nonfinancial Assets (Subtopic 610-20): Clarifying the Scope of Asset Derecognition Guidance and Accounting for Partial Sales of Nonfinancial Assets Other Income—Gains and Losses from the Derecognition of Nonfinancial Assets, Revenue from Contracts with Customers (Topic 606) In January 2017, the FASB issued ASU 2017-04, Intangibles – Goodwill and Other (Topic 350) – Simplifying the Test for Goodwill Impairment In January 2017, the FASB issued ASU 2017-01, Business Combinations (Topic 805) – Clarifying the Definition of a Business In October 2016, the FASB issued ASU 2016-16, Income Taxes (Topic 740): Intra-Entity Transfers of Assets Other Than Inventory In August 2016, the FASB issued ASU 2016-15, Statement of Cash Flows (Topic 230): Classification of Certain Cash Receipts and Cash Payments (a consensus of the Emerging Issues Task Force) Statement of Cash Flows (Topic 230), Restricted Cash Statement of Cash Flows, In June 2016, the FASB issued ASU 2016-13, Measurement of Credit Losses on Financial Instruments 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 May 2014, the FASB issued ASU 2014-09, which supersedes the revenue recognition requirements in ASC 605, Revenue Recognition. Deferral of the Effective Date Principal versus Agent Considerations (Reporting Revenue Gross versus Net) Identifying Performance Obligations and Licensing Narrow-Scope Improvements and Practical Expedients, Technical Corrections and Improvements to Topic 606, Revenue from Contracts with Customers
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. 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, installment loan and RPA portfolios, the Company generally uses either a migration analysis or roll-rate based methodology to estimate losses inherent in the portfolio. The allowance or liability calculation under the migration analysis and roll-rate methodology 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 roll-rate methodology is based on delinquency status, payment history and recency factors to estimate future charge-offs. 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 has periodically used 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” in the Company’s consolidated statements of income. As of June 30, 2017, the Company did not manage its exposure to risk from foreign currency exchange rate fluctuations through the use of forward currency exchange contracts in the United Kingdom or Brazil.

Loans and Finance Receivables24

Loans and Finance Receivables, Credit Quality Information and Allowances and Liabilities for Estimated Losses on Loans and Finance Receivables (Tables)	6 Months Ended
	Jun. 30, 2017
Receivables [Abstract]
Schedule of Revenue Generated from Loans and Finance Receivables	Revenue generated from the Company’s loans and finance receivables for the three and six months ended June 30, 2017 and 2016 was as follows (dollars in thousands): Three Months Ended Six Months Ended June 30, June 30, 2017 2016 2017 2016 Short-term loans $ 46,776 $ 46,640 $ 94,199 $ 94,238 Line of credit accounts 58,824 50,275 118,283 99,248 Installment loans and RPAs 84,057 74,991 169,140 152,497 Total loans and finance receivables revenue 189,657 171,906 381,622 345,983 Other 247 629 545 1,205 Total revenue $ 189,904 $ 172,535 $ 382,167 $ 347,188
Components of Company-Owned Loans and Finance Receivables	The components of Company-owned loans and finance receivables at June 30, 2017 and 2016 and December 31, 2016 were as follows (dollars in thousands): As of June 30, 2017 Short-term Line of Credit Installment Loans and Loans Accounts RPAs Total Current receivables $ 39,213 $ 125,953 $ 424,703 $ 589,869 Delinquent receivables: Delinquent payment amounts (1) — 2,983 2,470 5,453 Receivables on non-accrual status 22,352 5,218 24,943 52,513 Total delinquent receivables 22,352 8,201 27,413 57,966 Total loans and finance receivables, gross 61,565 134,154 452,116 647,835 Less: Allowance for losses (15,688 ) (22,847 ) (45,304 ) (83,839 ) Loans and finance receivables, net $ 45,877 $ 111,307 $ 406,812 $ 563,996 As of June 30, 2016 Short-term Line of Credit Installment Loans and Loans Accounts RPAs Total Current receivables $ 40,157 $ 109,800 $ 359,027 $ 508,984 Delinquent receivables: Delinquent payment amounts (1) — 3,543 1,197 4,740 Receivables on non-accrual status 18,641 4,687 26,758 50,086 Total delinquent receivables 18,641 8,230 27,955 54,826 Total loans and finance receivables, gross 58,798 118,030 386,982 563,810 Less: Allowance for losses (13,354 ) (18,029 ) (42,437 ) (73,820 ) Loans and finance receivables, net $ 45,444 $ 100,001 $ 344,545 $ 489,990 As of December 31, 2016 Short-term Line of Credit Installment Loans and Loans Accounts RPAs Total Current receivables $ 35,516 $ 130,576 $ 413,638 $ 579,730 Delinquent receivables: Delinquent payment amounts (1) — 4,560 2,110 6,670 Receivables on non-accrual status 27,489 9,047 37,559 74,095 Total delinquent receivables 27,489 13,607 39,669 80,765 Total loans and finance receivables, gross 63,005 144,183 453,307 660,495 Less: Allowance for losses (17,770 ) (26,594 ) (54,581 ) (98,945 ) Loans and finance receivables, net $ 45,235 $ 117,589 $ 398,726 $ 561,550 (1) Represents the delinquent portion of installment loans and line of credit account balances for customers that have only missed one payment and RPA customers who have not delivered agreed upon receivables. 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 and six months ended June 30, 2017 and 2016 were as follows (dollars in thousands): Three Months Ended June 30, 2017 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 $ 15,161 $ 21,765 $ 46,328 $ 83,254 Cost of revenue 15,867 19,868 43,373 79,108 Charge-offs (21,062 ) (22,080 ) (54,452 ) (97,594 ) Recoveries 5,523 3,294 10,009 18,826 Effect of foreign currency translation 199 — 46 245 Balance at end of period $ 15,688 $ 22,847 $ 45,304 $ 83,839 Liability for third-party lender-owned loans: Balance at beginning of period $ 1,044 $ — $ 143 $ 1,187 Increase in liability 717 — 37 754 Balance at end of period $ 1,761 $ — $ 180 $ 1,941 Three Months Ended June 30, 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 $ 11,693 $ 15,284 $ 40,727 $ 67,704 Cost of revenue 13,727 17,251 33,824 64,802 Charge-offs (16,787 ) (17,998 ) (39,870 ) (74,655 ) Recoveries 5,067 3,492 7,538 16,097 Effect of foreign currency translation (346 ) — 218 (128 ) Balance at end of period $ 13,354 $ 18,029 $ 42,437 $ 73,820 Liability for third-party lender-owned loans: Balance at beginning of period $ 905 $ — $ 277 $ 1,182 Increase in liability 487 — 164 651 Balance at end of period $ 1,392 $ — $ 441 $ 1,833 Six Months Ended June 30, 2017 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 $ 17,770 $ 26,594 $ 54,581 $ 98,945 Cost of revenue 32,141 39,699 89,961 161,801 Charge-offs (45,441 ) (50,544 ) (119,774 ) (215,759 ) Recoveries 10,927 7,098 20,152 38,177 Effect of foreign currency translation 291 — 384 675 Balance at end of period $ 15,688 $ 22,847 $ 45,304 $ 83,839 Liability for third-party lender-owned loans: Balance at beginning of period $ 1,716 $ — $ 280 $ 1,996 Increase (decrease) in liability 45 — (100 ) (55 ) Balance at end of period $ 1,761 $ — $ 180 $ 1,941 Six Months Ended June 30, 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 27,396 33,722 73,835 134,953 Charge-offs (38,363 ) (38,597 ) (82,669 ) (159,629 ) Recoveries 10,103 7,177 13,796 31,076 Effect of foreign currency translation (434 ) — 532 98 Balance at end of period $ 13,354 $ 18,029 $ 42,437 $ 73,820 Liability for third-party lender-owned loans: Balance at beginning of period $ 1,298 $ — $ 458 $ 1,756 Increase (decrease) in liability 94 — (17 ) 77 Balance at end of period $ 1,392 $ — $ 441 $ 1,833

Long-term Debt (Tables)

Long-term Debt (Tables)	6 Months Ended
	Jun. 30, 2017
Debt Disclosure [Abstract]
Summary of Long-Term Debt Instruments and Balances Outstanding	The Company’s long-term debt instruments and balances outstanding as of June 30, 2017 and 2016 and December 31, 2016 were as follows (dollars in thousands): June 30, December 31, 2017 2016 2016 Securitization notes $ 151,987 $ 106,846 $ 165,419 Senior Notes 496,029 495,235 495,622 Subtotal 648,016 602,081 661,041 Less: Long-term debt issuance costs (9,267 ) (13,257 ) (11,130 ) Total long-term debt $ 638,749 $ 588,824 $ 649,911

Earnings Per Share (Tables)

Earnings Per Share (Tables)	6 Months Ended
	Jun. 30, 2017
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 and six months ended June 30, 2017 and 2016 (in thousands, except per share amounts): Three Months Ended Six Months Ended June 30, June 30, 2017 2016 2017 2016 Numerator: Net income $ 11,873 $ 8,188 $ 25,725 $ 18,051 Denominator: Total weighted average basic shares 33,553 33,175 33,463 33,159 Shares applicable to stock-based compensation 572 160 618 102 Total weighted average diluted shares 34,125 33,335 34,081 33,261 Earnings per share: Net income per share – basic $ 0.35 $ 0.25 $ 0.77 $ 0.54 Net income per share – diluted $ 0.35 $ 0.25 $ 0.75 $ 0.54

Operating Segment Information (

Operating Segment Information (Tables)	6 Months Ended
	Jun. 30, 2017
Segment Reporting [Abstract]
Summary of Domestic, International Operations and Corporate Services	The following tables present information on the Company’s domestic, international operations and corporate services as of and for the three and six months ended June 30, 2017 and 2016 (dollars in thousands): Three Months Ended Six Months Ended June 30, June 30, 2017 2016 2017 2016 Revenue Domestic $ 158,073 $ 140,342 $ 322,742 $ 283,770 International 31,831 32,193 59,425 63,418 Total revenue $ 189,904 $ 172,535 $ 382,167 $ 347,188 Income (Loss) from operations Domestic $ 58,565 $ 49,120 $ 120,635 $ 104,702 International 3,728 7,326 5,922 10,477 Corporate services (27,090 ) (27,639 ) (53,282 ) (54,523 ) Total income from operations $ 35,203 $ 28,807 $ 73,275 $ 60,656 Depreciation and amortization Domestic $ 1,532 $ 1,585 $ 3,058 $ 3,167 International 361 799 740 1,404 Corporate services 1,473 1,844 3,065 3,644 Total depreciation and amortization $ 3,366 $ 4,228 $ 6,863 $ 8,215 Expenditures for property and equipment Domestic $ 1,429 $ 2,261 $ 2,040 $ 3,030 International 1,035 642 2,120 1,446 Corporate services 681 2,516 1,141 3,173 Total expenditures for property and equipment $ 3,145 $ 5,419 $ 5,301 $ 7,649 June 30, 2017 2016 Property and equipment, net Domestic $ 19,872 $ 17,524 International 6,364 4,495 Corporate services 18,093 25,187 Total property and equipment, net $ 44,329 $ 47,206 Assets Domestic $ 820,156 $ 734,150 International 115,535 98,651 Corporate services 66,178 78,068 Total assets $ 1,001,869 $ 910,869
Summary of Company's Revenue by Geographical Region	The following table presents the Company’s revenue by geographic region for the three and six months ended June 30, 2017 and 2016 (dollars in thousands): Three Months Ended Six Months Ended June 30, June 30, 2017 2016 2017 2016 Revenue United States $ 158,073 $ 140,342 $ 322,742 $ 283,770 United Kingdom 27,406 26,180 51,849 52,089 Other international countries 4,425 6,013 7,576 11,329 Total revenue $ 189,904 $ 172,535 $ 382,167 $ 347,188

Commitments and Contingencies (

Commitments and Contingencies (Tables)	6 Months Ended
	Jun. 30, 2017
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 for the six months ended June 30, 2017 and the twelve months ended December 31, 2016 (in thousands): Lease Termination Costs Other Exit Costs Total Balance at January 1, 2016 $ 1,425 $ 204 $ 1,629 Payments (1,132 ) — (1,132 ) Adjustments 344 (69 ) 275 Balance at December 31, 2016 $ 637 $ 135 $ 772 Balance at January 1, 2017 $ 637 $ 135 $ 772 Payments (554 ) (9 ) (563 ) Adjustments (83 ) (126 ) (209 ) Balance at June 30, 2017 $ — $ — $ —

Derivative Instruments (Tables)

Derivative Instruments (Tables)	6 Months Ended
	Jun. 30, 2017
Derivative Instruments And Hedging Activities Disclosure [Abstract]
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 for the six months ended June 30, 2017 and 2016 (dollars in thousands): Gains (Losses) Gains (Losses) Recognized in Gains (Losses) Reclassified From Income Recognized in AOCI AOCI into Income Six Months Ended Six Months Ended Six Months Ended June 30, June 30, June 30, 2017 2016 2017 2016 2017 2016 Non-designated derivatives: Forward currency exchange contracts (1) $ — $ 3,020 $ — $ — $ — $ — Total $ — $ 3,020 $ — $ — $ — $ — (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)	6 Months Ended
	Jun. 30, 2017
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 (dollars in thousands): June 30, December 31, 2017 2016 2016 Assets Cash and cash equivalents $ — $ 105 $ — Restricted cash and cash equivalents 19,119 13,930 19,468 Loans and finance receivables, net 223,372 142,289 216,766 Other receivables and prepaid expenses 3 2 3 Other assets 2,190 — 2,459 Total assets $ 244,684 $ 156,326 $ 238,696 Liabilities Accounts payable and accrued expenses $ 1,433 $ 681 $ 1,350 Long-term debt 150,933 103,898 163,550 Total liabilities $ 152,366 $ 104,579 $ 164,900

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	6 Months Ended
	Jun. 30, 2017
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 June 30, 2017 and 2016 and December 31, 2016 are as follows (dollars in thousands): June 30, Fair Value Measurements Using 2017 Level 1 Level 2 Level 3 Financial assets (liabilities): Non-qualified savings plan assets (1) 1,387 1,387 — — Contingent consideration (2,358 ) — — (2,358 ) Total $ (971 ) $ 1,387 $ — $ (2,358 ) June 30, Fair Value Measurements Using 2016 Level 1 Level 2 Level 3 Financial assets (liabilities): Non-qualified savings plan assets (1) 1,550 1,550 — — Contingent consideration (5,658 ) — — (5,658 ) Total $ (4,108 ) $ 1,550 $ — $ (5,658 ) December 31, Fair Value Measurements Using 2016 Level 1 Level 2 Level 3 Financial assets (liabilities): Non-qualified savings plan assets (1) 1,590 1,590 — — Contingent consideration (2,358 ) — — (2,358 ) Total $ (768 ) $ 1,590 $ — $ (2,358 ) (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 June 30, 2016 $ 5,658 $ 5,658 Fair Value Measurements Using Significant Unobservable Inputs (Level 3) Contingent consideration Total Balance at December 31, 2016 $ 2,358 $ 2,358 Adjustments — — Balance at June 30, 2017 $ 2,358 $ 2,358
Financial Assets and Liabilities Not Measured at Fair Value	The Company’s financial assets and liabilities as of June 30, 2017 and 2016 and December 31, 2016 that are not measured at fair value in the consolidated balance sheets are as follows (dollars in thousands): Balance at June 30, Fair Value Measurements Using 2017 Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents $ 46,209 $ 46,209 $ — $ — Short-term loans and line of credit accounts, net (1) 157,184 — — 157,184 Installment loans and RPAs, net (1)(4) 406,812 — — 441,701 Restricted cash (5) 26,636 26,636 — — Investment in unconsolidated investee (2)(3) 6,703 — — 6,703 Total $ 643,544 $ 72,845 $ — $ 605,588 Financial liabilities: Liability for estimated losses on consumer loans guaranteed by the Company $ 1,941 $ — $ — $ 1,941 Promissory note 3,000 — — 3,202 Securitization Notes 151,987 — 153,812 — Senior Notes 496,029 — 518,855 — Total $ 652,957 $ — $ 672,667 $ 5,143 Balance at June 30, Fair Value Measurements Using 2016 Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents $ 39,167 $ 39,167 $ — $ — Short-term loans and line of credit accounts, net (1) 145,445 — — 145,445 Installment loans and RPAs, net (1)(4) 344,545 — — 379,794 Restricted cash (5) 34,601 34,601 — — Investment in unconsolidated investee (2)(3) 6,703 — — 6,703 Total $ 570,461 $ 73,768 $ — $ 531,942 Financial liabilities: Liability for estimated losses on consumer loans guaranteed by the Company $ 1,833 $ — $ — $ 1,833 Promissory note 3,000 — — 3,018 Securitization Notes 106,846 — 106,846 — Senior Notes 495,235 — 396,250 — Total $ 606,914 $ — $ 503,096 $ 4,851 Balance at December 31, Fair Value Measurements Using 2016 Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents $ 39,934 $ 39,934 $ — $ — Short-term loans and line of credit accounts, net (1) 162,824 — — 162,824 Installment loans and RPAs, net (1)(4) 398,726 — — 430,895 Restricted cash (5) 26,306 26,306 — — Investment in unconsolidated investee (2)(3) 6,703 — — 6,703 Total $ 634,493 $ 66,240 $ — $ 600,422 Financial liabilities: Liability for estimated losses on consumer loans guaranteed by the Company $ 1,996 $ — $ — $ 1,996 Promissory note 3,000 — — 3,111 Securitization Notes 165,419 — 168,216 — Senior Notes 495,622 — 495,940 — Total $ 666,037 $ — $ 664,156 $ 5,107 (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 $223.4 million, $142.3 million and $216.8 million in net assets of consolidated VIEs as of June 30, 2017 and 2016 and December 31, 2016, respectively. (5) Restricted cash includes $19.1 million, $13.9 million and $19.5 million in assets of consolidated VIEs as of June 30, 2017 and 2016 and December 31, 2016, respectively.

Condensed Consolidating Finan32

Condensed Consolidating Financial Statements (Tables)	6 Months Ended
	Jun. 30, 2017
Condensed Financial Information Of Parent Company Only Disclosure [Abstract]
Condensed Consolidating Balance Sheets	CONDENSED CONSOLIDATING BALANCE SHEETS As of June 30, 2017 (dollars in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Assets Cash and cash equivalents $ — $ 41,612 $ 4,597 $ — $ 46,209 Restricted cash — 7,517 19,119 — 26,636 Loans and finance receivables, net — 331,618 232,378 — 563,996 Income taxes receivable 97,048 (83,659 ) 21 — 13,410 Other receivables and prepaid expenses 112 20,450 1,444 — 22,006 Property and equipment, net — 43,681 648 — 44,329 Goodwill — 267,012 — — 267,012 Intangible assets, net — 4,864 1 — 4,865 Investment in subsidiaries 342,490 39,760 — (382,250 ) — Intercompany receivable 322,672 — — (322,672 ) — Other assets 3,847 7,369 2,190 — 13,406 Total assets $ 766,169 $ 680,224 $ 260,398 $ (704,922 ) $ 1,001,869 Liabilities and Stockholders' Equity Accounts payable and accrued expenses $ 4,162 $ 56,246 $ 2,391 $ — $ 62,799 Intercompany payables — 247,094 75,578 (322,672 ) — Deferred tax liabilities, net (377 ) 26,608 (478 ) — 25,753 Long-term debt 487,816 — 150,933 — 638,749 Total liabilities 491,601 329,948 228,424 (322,672 ) 727,301 Commitments and contingencies Stockholders' equity 274,568 350,276 31,974 (382,250 ) 274,568 Total liabilities and stockholders' equity $ 766,169 $ 680,224 $ 260,398 $ (704,922 ) $ 1,001,869 CONDENSED CONSOLIDATING BALANCE SHEETS As of June 30, 2016 (dollars in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Assets Cash and cash equivalents $ — $ 37,311 $ 1,856 $ — $ 39,167 Restricted cash — 20,671 13,930 — 34,601 Loans and finance receivables, net — 340,130 149,860 — 489,990 Other receivables and prepaid expenses 154 18,079 235 — 18,468 Property and equipment, net — 46,852 354 — 47,206 Goodwill — 267,013 — — 267,013 Intangible assets, net — 5,939 7 — 5,946 Investment in subsidiaries 262,271 18,641 — (280,912 ) — Intercompany receivable 402,271 — — (402,271 ) — Other assets 614 7,864 — — 8,478 Total assets $ 665,310 $ 762,500 $ 166,242 $ (683,183 ) $ 910,869 Liabilities and Stockholders' Equity Accounts payable and accrued expenses $ 4,161 $ 69,528 $ 1,486 $ - $ 75,175 Intercompany payables — 352,511 49,762 (402,273 ) — Income taxes currently payable (47,687 ) 50,593 6 — 2,912 Deferred tax liabilities, net (371 ) 20,539 (491 ) — 19,677 Long-term debt 484,926 — 103,898 — 588,824 Total liabilities 441,029 493,171 154,661 (402,273 ) 686,588 Commitments and contingencies Stockholders' equity 224,281 269,329 11,581 (280,910 ) 224,281 Total liabilities and stockholders' equity $ 665,310 $ 762,500 $ 166,242 $ (683,183 ) $ 910,869 CONDENSED CONSOLIDATING BALANCE SHEETS As of December 31, 2016 (dollars in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Assets Cash and cash equivalents $ — $ 36,057 $ 3,877 $ — $ 39,934 Restricted cash — 6,838 19,468 — 26,306 Loans and finance receivables, net — 335,160 226,390 — 561,550 Other receivables and prepaid expenses 127 19,095 302 — 19,524 Property and equipment, net — 46,507 593 — 47,100 Goodwill — 267,010 — — 267,010 Intangible assets, net — 5,400 4 — 5,404 Investment in subsidiaries 294,646 25,131 — (319,777 ) — Intercompany receivable 363,942 — — (363,942 ) — Other assets 597 7,995 2,459 — 11,051 Total assets $ 659,312 $ 749,193 $ 253,093 $ (683,719 ) $ 977,879 Liabilities and Stockholders' Equity Accounts payable and accrued expenses $ 4,310 $ 65,714 $ 1,647 $ — $ 71,671 Intercompany payables — 295,763 68,179 (363,942 ) — Income taxes currently payable (72,704 ) 73,006 (20 ) — 282 Deferred tax liabilities, net (354 ) 15,156 (486 ) — 14,316 Long-term debt 486,361 — 163,550 — 649,911 Total liabilities 417,613 449,639 232,870 (363,942 ) 736,180 Commitments and contingencies Stockholders' equity 241,699 299,554 20,223 (319,777 ) 241,699 Total liabilities and stockholders' equity $ 659,312 $ 749,193 $ 253,093 $ (683,719 ) $ 977,879
Condensed Consolidating Statements of Income and Comprehensive Income	CONDENSED CONSOLIDATING STATEMENTS OF INCOME AND COMPREHENSIVE INCOME For the Three Months Ended June 30, 2017 (in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Revenue $ — $ 157,406 $ 33,744 $ (1,246 ) $ 189,904 Cost of Revenue — 58,517 21,345 — 79,862 Gross Profit — 98,889 12,399 (1,246 ) 110,042 Expenses Marketing — 22,890 520 — 23,410 Operations and technology — 20,237 1,581 — 21,818 General and administrative 86 25,455 1,950 (1,246 ) 26,245 Depreciation and amortization — 3,320 46 — 3,366 Total Expenses 86 71,902 4,097 (1,246 ) 74,839 Income (Loss) from Operations (86 ) 26,987 8,302 — 35,203 Interest expense, net (13,365 ) (29 ) (3,618 ) — (17,012 ) Foreign currency transaction gain 57 5 — — 62 Income (Loss) before Income Taxes and Equity in Net Earnings of Subsidiaries (13,394 ) 26,963 4,684 — 18,253 Provision for income taxes (4,673 ) 9,425 1,628 — 6,380 Income (loss) before Equity in Net Earnings of Subsidiaries (8,721 ) 17,538 3,056 — 11,873 Net earnings of subsidiaries 20,594 3,056 — (23,650 ) — Net Income (Loss) $ 11,873 $ 20,594 $ 3,056 $ (23,650 ) $ 11,873 Other comprehensive (loss) gain, net of tax: Foreign currency translation (loss) gain 1,371 2,383 (1,012 ) (1,371 ) 1,371 Total other comprehensive (loss) gain, net of tax 1,371 2,383 (1,012 ) (1,371 ) 1,371 Comprehensive Income (Loss) $ 13,244 $ 22,977 $ 2,044 $ (25,021 ) $ 13,244 CONDENSED CONSOLIDATING STATEMENTS OF INCOME AND COMPREHENSIVE INCOME For the Three Months Ended June 30, 2016 (in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Revenue $ — $ 135,010 $ 38,334 $ (809 ) $ 172,535 Cost of Revenue — 38,001 27,452 — 65,453 Gross Profit — 97,009 10,882 (809 ) 107,082 Expenses Marketing — 25,358 239 — 25,597 Operations and technology — 19,954 981 — 20,935 General and administrative 105 26,886 1,333 (809 ) 27,515 Depreciation and amortization — 4,207 21 — 4,228 Total Expenses 105 76,405 2,574 (809 ) 78,275 (Loss) Income from Operations (105 ) 20,604 8,308 — 28,807 Interest (expense) income, net (13,179 ) 311 (3,158 ) — (16,026 ) Foreign currency transaction gain 471 — — — 471 (Loss) Income before Income Taxes and Equity in Net Earnings of Subsidiaries (12,813 ) 20,915 5,150 — 13,252 Provision for income taxes (5,018 ) 7,802 2,280 — 5,064 (Loss) Income before Equity in Net Earnings of Subsidiaries (7,795 ) 13,113 2,870 — 8,188 Net earnings of subsidiaries 15,983 2,870 — (18,853 ) — Net Income (Loss) $ 8,188 $ 15,983 $ 2,870 $ (18,853 ) $ 8,188 Other comprehensive (loss) gain, net of tax: Foreign currency translation (loss) gain (3,689 ) (4,610 ) 919 3,691 (3,689 ) Total other comprehensive (loss) gain, net of tax (3,689 ) (4,610 ) 919 3,691 (3,689 ) Comprehensive Income (Loss) $ 4,499 $ 11,373 $ 3,789 $ (15,162 ) $ 4,499 CONDENSED CONSOLIDATING STATEMENTS OF INCOME AND COMPREHENSIVE INCOME For the Six Months Ended June 30, 2017 (in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Revenue $ — $ 318,173 $ 66,528 $ (2,534 ) $ 382,167 Cost of Revenue — 117,932 43,814 — 161,746 Gross Profit — 200,241 22,714 (2,534 ) 220,421 Expenses Marketing — 42,263 730 — 42,993 Operations and technology — 42,179 3,170 — 45,349 General and administrative 134 50,314 4,027 (2,534 ) 51,941 Depreciation and amortization — 6,775 88 — 6,863 Total Expenses 134 141,531 8,015 (2,534 ) 147,146 (Loss) Income from Operations (134 ) 58,710 14,699 — 73,275 Interest expense, net (26,542 ) (64 ) (7,628 ) — (34,234 ) Foreign currency transaction gain 284 5 — — 289 (Loss) Income before Income Taxes and Equity in Net Earnings of Subsidiaries (26,392 ) 58,651 7,071 — 39,330 Provision for income taxes (9,129 ) 20,288 2,446 — 13,605 (Loss) Income before Equity in Net Earnings of Subsidiaries (17,263 ) 38,363 4,625 — 25,725 Net earnings of subsidiaries 42,988 4,625 — (47,613 ) — Net Income (Loss) $ 25,725 $ 42,988 $ 4,625 $ (47,613 ) $ 25,725 Other comprehensive gain (loss), net of tax: Foreign currency translation gain (loss) 2,509 2,893 (384 ) (2,509 ) 2,509 Total other comprehensive gain (loss), net of tax 2,509 2,893 (384 ) (2,509 ) 2,509 Comprehensive Income (Loss) $ 28,234 $ 45,881 $ 4,241 $ (50,122 ) $ 28,234 CONDENSED CONSOLIDATING STATEMENTS OF INCOME AND COMPREHENSIVE INCOME For the Six Months Ended June 30, 2016 (in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Revenue $ — $ 308,146 $ 40,540 $ (1,498 ) $ 347,188 Cost of Revenue — 104,446 30,584 — 135,030 Gross Profit — 203,700 9,956 (1,498 ) 212,158 Expenses Marketing — 46,140 638 — 46,778 Operations and technology — 39,137 1,932 — 41,069 General and administrative 148 54,328 2,462 (1,498 ) 55,440 Depreciation and amortization — 8,175 40 — 8,215 Total Expenses 148 147,780 5,072 (1,498 ) 151,502 (Loss) Income from Operations (148 ) 55,920 4,884 — 60,656 Interest (expense) income, net (26,451 ) 736 (6,226 ) — (31,941 ) Foreign currency transaction gain 2,039 — — — 2,039 (Loss) Income before Income Taxes and Equity in Net Earnings of Subsidiaries (24,560 ) 56,656 (1,342 ) — 30,754 Provision for income taxes (10,145 ) 23,402 (554 ) — 12,703 (Loss) Income before Equity in Net Earnings of Subsidiaries (14,415 ) 33,254 (788 ) — 18,051 Net earnings of subsidiaries 32,466 (788 ) — (31,678 ) — Net Income (Loss) $ 18,051 $ 32,466 $ (788 ) $ (31,678 ) $ 18,051 Other comprehensive (loss) gain, net of tax: Foreign currency translation (loss) gain (3,825 ) (5,258 ) 1,430 3,828 (3,825 ) Total other comprehensive (loss) gain, net of tax (3,825 ) (5,258 ) 1,430 3,828 (3,825 ) Comprehensive Income (Loss) $ 14,226 $ 27,208 $ 642 $ (27,850 ) $ 14,226
Condensed Consolidating Statements of Cash Flows	CONDENSED CONSOLIDATING STATEMENTS OF CASH FLOWS For the Six Months Ended June 30, 2017 (in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Cash Flows from Operating Activities $ 672 $ 203,382 $ (10,877 ) $ (7,119 ) $ 186,058 Cash Flows from Investing Activities Loans and finance receivables originated or acquired — (592,766 ) (14,666 ) — (607,432 ) Securitized loans transferred — 98,610 (98,610 ) — — Loans and finance receivables repaid — 311,931 130,770 — 442,701 Change in restricted cash — (336 ) 349 — 13 Purchases of property and equipment — (5,148 ) (153 ) — (5,301 ) Capital contributions to subsidiaries — (7,510 ) — 7,510 — Other investing activities — 1,482 — — 1,482 Net cash (used in) provided by investing activities — (193,737 ) 17,690 7,510 (168,537 ) Cash Flows from Financing Activities (Payments for) proceeds from member's equity — (7,119 ) 7,510 (391 ) — Debt issuance costs paid — (1,797 ) — — (1,797 ) Treasury shares purchased (672 ) — — — (672 ) Borrowings under securitization facility — — 65,600 — 65,600 Repayments under securitization facility — — (79,031 ) — (79,031 ) Net cash used in financing activities (672 ) (8,916 ) (5,921 ) (391 ) (15,900 ) Effect of exchange rates on cash — 4,826 (172 ) — 4,654 Net increase in cash and cash equivalents — 5,555 720 — 6,275 Cash and cash equivalents at beginning of year — 36,057 3,877 — 39,934 Cash and cash equivalents at end of period $ — $ 41,612 $ 4,597 $ — $ 46,209 CONDENSED CONSOLIDATING STATEMENTS OF CASH FLOWS For the Six Months Ended June 30, 2016 (in thousands) Guarantor Non-Guarantor Parent Subsidiaries Subsidiaries Eliminations Consolidated Cash Flows from Operating Activities $ 87,625 $ 71,778 $ 49,481 $ (28,377 ) $ 180,507 Cash Flows from Investing Activities Loans and finance receivables originated or acquired — (456,816 ) (148,898 ) — (605,714 ) Loans and finance receivables repaid — 410,445 5,085 — 415,530 Change in restricted cash — (14,005 ) (13,930 ) — (27,935 ) Purchases of property and equipment — (7,559 ) (90 ) — (7,649 ) Capital contributions to subsidiaries (29,163 ) (5,250 ) — 34,413 — Other investing activities — 95 — — 95 Net cash (used in) provided by investing activities (29,163 ) (73,090 ) (157,833 ) 34,413 (225,673 ) Cash Flows from Financing Activities Proceeds from (payments for) member's equity — 786 5,250 (6,036 ) — Debt issuance costs paid — — (3,271 ) — (3,271 ) Treasury shares purchased (62 ) — — — (62 ) Borrowings under revolving line of credit 20,000 — — — 20,000 Repayments under revolving line of credit (78,400 ) — — — (78,400 ) Borrowings under securitization facility — — 162,761 — 162,761 Repayments under securitization facility — — (55,915 ) — (55,915 ) Net cash (used in) provided by financing activities (58,462 ) 786 108,825 (6,036 ) 45,113 Effect of exchange rates on cash — (3,090 ) 244 — (2,846 ) Net (decrease) increase in cash and cash equivalents — (3,616 ) 717 — (2,899 ) Cash and cash equivalents at beginning of year — 40,927 1,139 — 42,066 Cash and cash equivalents at end of period $ — $ 37,311 $ 1,856 $ — $ 39,167

Significant Accounting Polici33

Significant Accounting Policies - Additional Information (Detail) - USD ($)	6 Months Ended
	Jun. 30, 2017	Dec. 31, 2016	Dec. 06, 2016	Jun. 30, 2016	Nov. 13, 2014	Sep. 13, 2011
Significant Accounting Policies [Line Items]
Common stock, shares issued	33,752,662	33,364,525		33,236,539
Spin off percentage					80.00%
Goodwill impairment loss	$ 0
FirstCash
Significant Accounting Policies [Line Items]
Retained percentage of stock after spin-off			20.00%
Cash America International Inc.
Significant Accounting Policies [Line Items]
Common stock, shares issued						33,000,000

Acquisitions - Additional Infor

Acquisitions - Additional Information (Detail) - USD ($)	Jun. 23, 2015	Jun. 30, 2017	Jun. 30, 2017	Jun. 30, 2016	Dec. 31, 2016	Dec. 31, 2015
Business Acquisition [Line Items]
Date of acquisition			Jun. 23, 2015
Business acquisition, asset acquired	$ 26,400,000
Business acquisition, payment in cash	17,700,000
Business Combination, promissory note	3,000,000
Estimated contingent consideration payable	5,700,000	$ 2,358,000	$ 2,358,000	$ 5,658,000	$ 2,358,000	$ 5,658,000
Change fair value measurement contingent consideration		$ 0	$ 0	$ 0	$ 3,300,000
Maximum
Business Acquisition [Line Items]
Total consideration paid	$ 71,000,000

Loans and Finance Receivables35

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		6 Months Ended
	Jun. 30, 2017	Jun. 30, 2016	Jun. 30, 2017	Jun. 30, 2016
Accounts Notes And Loans Receivable [Line Items]
Total loans and finance receivables revenue	$ 189,657	$ 171,906	$ 381,622	$ 345,983
Other	247	629	545	1,205
Total revenue	189,904	172,535	382,167	347,188
Short-term Loans
Accounts Notes And Loans Receivable [Line Items]
Total loans and finance receivables revenue	46,776	46,640	94,199	94,238
Line of Credit Accounts
Accounts Notes And Loans Receivable [Line Items]
Total loans and finance receivables revenue	58,824	50,275	118,283	99,248
Installment Loans and RPAs
Accounts Notes And Loans Receivable [Line Items]
Total loans and finance receivables revenue	$ 84,057	$ 74,991	$ 169,140	$ 152,497

Loans and Finance Receivables36

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	6 Months Ended
	Jun. 30, 2017	Dec. 31, 2016	Jun. 30, 2016
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	$ 28	$ 32.2	$ 31.2
Accrual for losses on consumer loan guaranty obligations	$ 1.9	$ 2	$ 1.8
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 Receivables37

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		Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2015
Accounts Notes And Loans Receivable [Line Items]
Current receivables		$ 589,869		$ 579,730	$ 508,984
Delinquent payment amounts	[1]	5,453		6,670	4,740
Receivables on non-accrual status		52,513		74,095	50,086
Total delinquent receivables		57,966		80,765	54,826
Total loans and finance receivables, gross		647,835		660,495	563,810
Less: Allowance for losses		(83,839)	$ (83,254)	(98,945)	(73,820)	$ (67,704)	$ (67,322)
Loans and finance receivables, net		563,996		561,550	489,990
Short-term Loans
Accounts Notes And Loans Receivable [Line Items]
Current receivables		39,213		35,516	40,157
Receivables on non-accrual status		22,352		27,489	18,641
Total delinquent receivables		22,352		27,489	18,641
Total loans and finance receivables, gross		61,565		63,005	58,798
Less: Allowance for losses		(15,688)	(15,161)	(17,770)	(13,354)	(11,693)	(14,652)
Loans and finance receivables, net		45,877		45,235	45,444
Line of Credit Accounts
Accounts Notes And Loans Receivable [Line Items]
Current receivables		125,953		130,576	109,800
Delinquent payment amounts	[1]	2,983		4,560	3,543
Receivables on non-accrual status		5,218		9,047	4,687
Total delinquent receivables		8,201		13,607	8,230
Total loans and finance receivables, gross		134,154		144,183	118,030
Less: Allowance for losses		(22,847)	(21,765)	(26,594)	(18,029)	(15,284)	(15,727)
Loans and finance receivables, net		111,307		117,589	100,001
Installment Loans and RPAs
Accounts Notes And Loans Receivable [Line Items]
Current receivables		424,703		413,638	359,027
Delinquent payment amounts	[1]	2,470		2,110	1,197
Receivables on non-accrual status		24,943		37,559	26,758
Total delinquent receivables		27,413		39,669	27,955
Total loans and finance receivables, gross		452,116		453,307	386,982
Less: Allowance for losses		(45,304)	$ (46,328)	(54,581)	(42,437)	$ (40,727)	$ (36,943)
Loans and finance receivables, net		$ 406,812		$ 398,726	$ 344,545
[1]	Represents the delinquent portion of installment loans and line of credit account balances for customers that have only missed one payment and RPA customers who have not delivered agreed upon receivables. See “Current and Delinquent Loans and Finance Receivables” above for additional information.

Loans and Finance Receivables38

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		6 Months Ended
	Jun. 30, 2017	Jun. 30, 2016	Jun. 30, 2017	Jun. 30, 2016
Allowance for losses for Company-owned loans and finance receivables
Balance at beginning of period	$ 83,254	$ 67,704	$ 98,945	$ 67,322
Cost of revenue	79,108	64,802	161,801	134,953
Charge-offs	(97,594)	(74,655)	(215,759)	(159,629)
Recoveries	18,826	16,097	38,177	31,076
Effect of foreign currency translation	245	(128)	675	98
Balance at end of period	83,839	73,820	83,839	73,820
Liability for third-party lender-owned loans
Balance at beginning of period	1,187	1,182	1,996	1,756
Increase (decrease) in liability	754	651	(55)	77
Balance at end of period	1,941	1,833	1,941	1,833
Short-term Loans
Allowance for losses for Company-owned loans and finance receivables
Balance at beginning of period	15,161	11,693	17,770	14,652
Cost of revenue	15,867	13,727	32,141	27,396
Charge-offs	(21,062)	(16,787)	(45,441)	(38,363)
Recoveries	5,523	5,067	10,927	10,103
Effect of foreign currency translation	199	(346)	291	(434)
Balance at end of period	15,688	13,354	15,688	13,354
Liability for third-party lender-owned loans
Balance at beginning of period	1,044	905	1,716	1,298
Increase (decrease) in liability	717	487	45	94
Balance at end of period	1,761	1,392	1,761	1,392
Line of Credit Accounts
Allowance for losses for Company-owned loans and finance receivables
Balance at beginning of period	21,765	15,284	26,594	15,727
Cost of revenue	19,868	17,251	39,699	33,722
Charge-offs	(22,080)	(17,998)	(50,544)	(38,597)
Recoveries	3,294	3,492	7,098	7,177
Balance at end of period	22,847	18,029	22,847	18,029
Installment Loans and RPAs
Allowance for losses for Company-owned loans and finance receivables
Balance at beginning of period	46,328	40,727	54,581	36,943
Cost of revenue	43,373	33,824	89,961	73,835
Charge-offs	(54,452)	(39,870)	(119,774)	(82,669)
Recoveries	10,009	7,538	20,152	13,796
Effect of foreign currency translation	46	218	384	532
Balance at end of period	45,304	42,437	45,304	42,437
Liability for third-party lender-owned loans
Balance at beginning of period	143	277	280	458
Increase (decrease) in liability	37	164	(100)	(17)
Balance at end of period	$ 180	$ 441	$ 180	$ 441

Investment in Unconsolidated 39

Investment in Unconsolidated Investee - Additional information (Detail) - USD ($)	6 Months Ended
	Jun. 30, 2017	Dec. 31, 2016	Jun. 30, 2016
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	Jun. 30, 2017	Dec. 31, 2016	Jun. 30, 2016
Debt Disclosure [Abstract]
Securitization notes	$ 151,987	$ 165,419	$ 106,846
Senior Notes	496,029	495,622	495,235
Subtotal	648,016	661,041	602,081
Less: Long-term debt issuance costs	(9,267)	(11,130)	(13,257)
Total long-term debt	$ 638,749	$ 649,911	$ 588,824

Long-term Debt - Additional Inf

Long-term Debt - Additional Information (Detail) - USD ($)	Dec. 01, 2016	Oct. 20, 2016	Jan. 15, 2016	Jun. 30, 2017	Jun. 30, 2016	Dec. 31, 2016	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
Carrying amount of securitization notes				$ 151,987,000	$ 106,846,000	$ 165,419,000
2016-1 Securitization Facility
Debt Instrument [Line Items]
Debt instrument, revolving period			9 months
Debt instrument, maturity date			Oct. 15, 2020
Debt instrument, amended revolving period				2017-10
Debt instrument, amended latest period				2021-10
Securitization Notes issued pursuant to an indenture, date			Jan. 15, 2016
Maximum principal amount of securitization facility		$ 275,000,000
Variable funding note maximum principal amount		40,000,000
Variable funding note maximum principal amount thereafter		$ 30,000,000
Extended Maturity period of revolving facility		2017-10
Weighted average interest rate		9.50%
Carrying amount of securitization notes				$ 138,800,000	103,900,000
Unamortized debt issuance cost				1,100,000	2,900,000
Interest expense recognized				7,500,000	6,200,000
Non-cash amortization of debt issuance costs				$ 800,000	1,800,000
Debt issuance cost, amortization period				4 years
2016-1 Securitization Facility | Agent's Base Rate
Debt Instrument [Line Items]
Debt instrument, interest rate			1.00%
2016-1 Securitization Facility | Prime Rate
Debt Instrument [Line Items]
Debt instrument, basis spread on variable rate			7.75%
2016-1 Securitization Facility | LIBOR
Debt Instrument [Line Items]
Debt instrument, effective percentage			8.75%
2016-2 Facility
Debt Instrument [Line Items]
Carrying amount of securitization notes				$ 12,100,000
Interest expense recognized				$ 900,000
Debt issuance cost, amortization period				36 months
Date at Issuer not permitted to prepay or redeem any outstanding securitization notes prior	Oct. 1, 2018
Debt issuance cost				$ 200,000
2016-2 Facility | Redpoint Capital Asset Funding, LLC | Minimum
Debt Instrument [Line Items]
Annual percentage rate for securitized consumer loan	90.00%
2016-2 Facility | LIBOR
Debt Instrument [Line Items]
Debt instrument, effective percentage	12.50%
2014 Revolving Credit Facility Due 2017 | Jefferies Group, LLC
Debt Instrument [Line Items]
Maximum borrowing capacity				$ 35,000,000
2014 Revolving Credit Facility Due 2017 | Jefferies Group, LLC | Unsecured Revolving Credit Facility
Debt Instrument [Line Items]
Debt issuance cost, amortization period				37 months
Debt issuance cost				$ 1,600,000
Credit agreement, maturity date				Jun. 30, 2017
Revolving line of credit				$ 0		0
2017 Revolving Credit Facility Due 2020 | Green Bank, N.A.
Debt Instrument [Line Items]
Debt issuance cost, amortization period				34 months
Debt issuance cost				$ 1,800,000
Credit agreement, maturity date				May 1, 2020
Revolving line of credit				$ 0
Maximum borrowing capacity				40,000,000
2017 Revolving Credit Facility Due 2020 | Green Bank, N.A. | Letters of Credit
Debt Instrument [Line Items]
Maximum borrowing capacity				20,000,000
Borrowings outstanding under credit agreement				$ 6,000,000
2017 Revolving Credit Facility Due 2020 | Green Bank, N.A. | Minimum
Debt Instrument [Line Items]
Commitment fee percentage				0.30%
2017 Revolving Credit Facility Due 2020 | Green Bank, N.A. | Maximum
Debt Instrument [Line Items]
Commitment fee percentage				0.50%
2017 Revolving Credit Facility Due 2020 | Prime Rate | Green Bank, N.A.
Debt Instrument [Line Items]
Debt instrument, basis spread on variable rate				1.00%
$500.0 Million 9.75% Senior Unsecured Notes Due 2021
Debt Instrument [Line Items]
Debt instrument, face amount							$ 500,000,000
Debt instrument, maturity date				Jun. 1, 2021
Debt instrument, interest rate							9.75%
Debt instrument, effective percentage							10.00%
Unamortized debt issuance cost				$ 8,200,000	10,300,000
Interest expense recognized				25,800,000	25,800,000
Non-cash amortization of debt issuance costs				$ 1,000,000	1,000,000
Debt issuance cost, amortization period				7 years
Carrying amount of senior notes				$ 487,800,000	484,900,000
Debt instrument unamortized discount				4,000,000	4,800,000
Non-cash amortization discount				$ 400,000	$ 400,000
Weighted average interest rates				10.72%	10.92%
Initial Term Note | 2016-1 Securitization Facility
Debt Instrument [Line Items]
Debt instrument, face amount			$ 107,400,000
Unsecured consumer loans			$ 134,000,000
Revolving Note | 2016-2 Facility
Debt Instrument [Line Items]
Debt instrument, face amount	$ 20,000,000
Unsecured consumer loans	$ 25,000,000
Debt instrument, maturity date	Dec. 1, 2019
Expected increase in maximum principal balance	$ 40,000,000
Enova Standby And Letter Of Credit | Revolving Line of Credit
Debt Instrument [Line Items]
Maximum borrowing capacity					$ 20,000,000
Borrowings outstanding under credit agreement					$ 6,600,000	$ 6,600,000

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		6 Months Ended
	Jun. 30, 2017	Jun. 30, 2016	Jun. 30, 2017	Jun. 30, 2016
Numerator:
Net income	$ 11,873	$ 8,188	$ 25,725	$ 18,051
Weighted average common shares outstanding:
Total weighted average basic shares	33,553	33,175	33,463	33,159
Shares applicable to stock-based compensation	572	160	618	102
Total weighted average diluted shares	34,125	33,335	34,081	33,261
Earnings Per Share:
Net income per share – basic	$ 0.35	$ 0.25	$ 0.77	$ 0.54
Net income per share – diluted	$ 0.35	$ 0.25	$ 0.75	$ 0.54

Earnings Per Share - Additional

Earnings Per Share - Additional Information (Detail) - shares	3 Months Ended		6 Months Ended
	Jun. 30, 2017	Jun. 30, 2016	Jun. 30, 2017	Jun. 30, 2016
Stock options
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Stock options not included in computation of diluted earnings per share	1,640,484	1,934,404	1,503,370	1,941,009
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	193,156	396,645	331,326	609,200

Operating Segment Information -

Operating Segment Information - Additional Information (Detail) $ in Thousands	6 Months Ended
	Jun. 30, 2017USD ($)Segment	Dec. 31, 2016USD ($)	Jun. 30, 2016USD ($)
Segment Reporting [Abstract]
Number of reportable segment | Segment	1
Property and equipment, net | $	$ 44,329	$ 47,100	$ 47,206

Operating Segment Information45

Operating Segment Information - Summary of Domestic, International Operations and Corporate Services (Detail) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2017	Jun. 30, 2016	Jun. 30, 2017	Jun. 30, 2016	Dec. 31, 2016
Revenues [Abstract]
Revenue	$ 189,904	$ 172,535	$ 382,167	$ 347,188
Income (Loss) from operations [Abstract]
Income from operations	35,203	28,807	73,275	60,656
Depreciation and amortization [Abstract]
Depreciation and amortization	3,366	4,228	6,863	8,215
Expenditures for property and equipment [Abstract]
Expenditures for property and equipment	3,145	5,419	5,301	7,649
Property and equipment, net [Abstract]
Property and equipment, net	44,329	47,206	44,329	47,206	$ 47,100
Assets
Assets	1,001,869	910,869	1,001,869	910,869	$ 977,879
Domestic
Revenues [Abstract]
Revenue	158,073	140,342	322,742	283,770
Income (Loss) from operations [Abstract]
Income from operations	58,565	49,120	120,635	104,702
Depreciation and amortization [Abstract]
Depreciation and amortization	1,532	1,585	3,058	3,167
Expenditures for property and equipment [Abstract]
Expenditures for property and equipment	1,429	2,261	2,040	3,030
Property and equipment, net [Abstract]
Property and equipment, net	19,872	17,524	19,872	17,524
Assets
Assets	820,156	734,150	820,156	734,150
International
Revenues [Abstract]
Revenue	31,831	32,193	59,425	63,418
Income (Loss) from operations [Abstract]
Income from operations	3,728	7,326	5,922	10,477
Depreciation and amortization [Abstract]
Depreciation and amortization	361	799	740	1,404
Expenditures for property and equipment [Abstract]
Expenditures for property and equipment	1,035	642	2,120	1,446
Property and equipment, net [Abstract]
Property and equipment, net	6,364	4,495	6,364	4,495
Assets
Assets	115,535	98,651	115,535	98,651
Corporate Services
Income (Loss) from operations [Abstract]
Income from operations	(27,090)	(27,639)	(53,282)	(54,523)
Depreciation and amortization [Abstract]
Depreciation and amortization	1,473	1,844	3,065	3,644
Expenditures for property and equipment [Abstract]
Expenditures for property and equipment	681	2,516	1,141	3,173
Property and equipment, net [Abstract]
Property and equipment, net	18,093	25,187	18,093	25,187
Assets
Assets	$ 66,178	$ 78,068	$ 66,178	$ 78,068

Operating Segment Information46

Operating Segment Information - Summary of Company's Revenue by Geographical Region (Detail) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2017	Jun. 30, 2016	Jun. 30, 2017	Jun. 30, 2016
Revenues [Abstract]
Revenue	$ 189,904	$ 172,535	$ 382,167	$ 347,188
United States
Revenues [Abstract]
Revenue	158,073	140,342	322,742	283,770
United Kingdom
Revenues [Abstract]
Revenue	27,406	26,180	51,849	52,089
Other International Countries
Revenues [Abstract]
Revenue	$ 4,425	$ 6,013	$ 7,576	$ 11,329

Commitments and Contingencies -

Commitments and Contingencies - Additional information (Detail) $ in Millions	12 Months Ended
	Dec. 31, 2015USD ($)	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
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 Contingencies48

Commitments and Contingencies - Exit and Disposal Activity and Liability Balances (Detail) - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2017	Dec. 31, 2016
Lease Termination Costs
Commitments And Contingencies [Line Items]
Beginning Balance	$ 637	$ 1,425
Payments	(554)	(1,132)
Adjustments	(83)	344
Ending Balance		637
Other Exit Costs
Commitments And Contingencies [Line Items]
Beginning Balance	135	204
Payments	(9)
Adjustments	(126)	(69)
Ending Balance		135
Lease Termination Costs and Other Exit Costs
Commitments And Contingencies [Line Items]
Beginning Balance	772	1,629
Payments	(563)	(1,132)
Adjustments	$ (209)	275
Ending Balance		$ 772

Derivative Instruments - Additi

Derivative Instruments - Additional Information (Details) - USD ($)	Jun. 30, 2017	Dec. 31, 2016	Jun. 30, 2016
Derivative Instruments And Hedging Activities Disclosure [Abstract]
Outstanding derivative instruments	$ 0	$ 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 $ in Thousands	6 Months Ended
	Jun. 30, 2016USD ($)
Derivative Instruments Gain Loss [Line Items]
Gains (Losses) Recognized in Income	$ 3,020
Forward Currency Exchange Contracts
Derivative Instruments Gain Loss [Line Items]
Gains (Losses) Recognized in Income	$ 3,020	[1]
[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	6 Months Ended
	Jun. 30, 2017	Jun. 30, 2016	Dec. 31, 2016	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	$ 63	$ 60
Transition services agreement fee income	$ 14	20
Debt instrument, interest rate	4.00%
Transition services agreement period	3 years
Cash America
Related Party Transaction [Line Items]
Consumer loans reimbursement amount	$ 400	400
Related party payable, net		100
FirstCash
Related Party Transaction [Line Items]
Related party payable, net	$ 46		$ 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	Jun. 30, 2017	Dec. 31, 2016	Jun. 30, 2016	Dec. 31, 2015
Assets
Cash and cash equivalents	$ 46,209	$ 39,934	$ 39,167	$ 42,066
Restricted cash and cash equivalents	26,636	26,306	34,601
Loans and finance receivables, net	563,996	561,550	489,990
Other receivables and prepaid expenses	22,006	19,524	18,468
Other assets	13,406	11,051	8,478
Liabilities
Accounts payable and accrued expenses	62,799	71,671	75,175
Long-term debt	638,749	649,911	588,824
Variable Interest Entity, Primary Beneficiary
Assets
Cash and cash equivalents			105
Restricted cash and cash equivalents	19,119	19,468	13,930
Loans and finance receivables, net	223,372	216,766	142,289
Other receivables and prepaid expenses	3	3	2
Other assets	2,190	2,459
Total assets	244,684	238,696	156,326
Liabilities
Accounts payable and accrued expenses	1,433	1,350	681
Long-term debt	150,933	163,550	103,898
Total liabilities	$ 152,366	$ 164,900	$ 104,579

Fair Value Measurements - Addit

Fair Value Measurements - Additional Information (Detail) - USD ($)	6 Months Ended
	Jun. 30, 2017	Dec. 31, 2016	Jun. 30, 2016
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	$ 1,900,000	$ 2,000,000	$ 1,800,000
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	18 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		Jun. 30, 2017	Dec. 31, 2016	Jun. 30, 2016	Dec. 31, 2015	Jun. 23, 2015
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Contingent consideration		$ (2,358)	$ (2,358)	$ (5,658)	$ (5,658)	$ (5,700)
Level 3
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Contingent consideration		(2,358)	(2,358)	(5,658)	$ (5,658)
Fair Value, Measurements, Recurring
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Non-qualified savings plan assets	[1]	1,387	1,590	1,550
Contingent consideration		(2,358)	(2,358)	(5,658)
Total		(971)	(768)	(4,108)
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]	1,387	1,590	1,550
Total		1,387	1,590	1,550
Fair Value, Measurements, Recurring | Level 3
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Contingent consideration		(2,358)	(2,358)	(5,658)
Total		$ (2,358)	$ (2,358)	$ (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 - Fai55

Fair Value Measurements - Fair Value Measurement for Contingent Consideration (Detail) - USD ($)	3 Months Ended	6 Months Ended		12 Months Ended
	Jun. 30, 2017	Jun. 30, 2017	Jun. 30, 2016	Dec. 31, 2016
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Contingent consideration, Beginning balance		$ 2,358,000	$ 5,658,000	$ 5,658,000
Contingent consideration, Adjustments	$ 0	0	0	3,300,000
Contingent consideration, Ending balance	2,358,000	2,358,000	5,658,000	2,358,000
Level 3
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Contingent consideration, Beginning balance		2,358,000	5,658,000	5,658,000
Contingent consideration, Adjustments		0	0
Contingent consideration, Ending balance	$ 2,358,000	$ 2,358,000	$ 5,658,000	$ 2,358,000

Fair Value Measurements - Finan

Fair Value Measurements - Financial Assets and Liabilities Not Measured at Fair Value (Detail) - USD ($) $ in Thousands		Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2015
Financial liabilities:
Liability for estimated losses on consumer loans guaranteed by the Company		$ 1,941	$ 1,187	$ 1,996	$ 1,833	$ 1,182	$ 1,756
Carrying Value
Financial assets:
Cash and cash equivalents		46,209		39,934	39,167
Short-term loans and line of credit accounts, net	[1]	157,184		162,824	145,445
Installment loans and RPAs, net	[1],[2]	406,812		398,726	344,545
Restricted cash	[3]	26,636		26,306	34,601
Investment in unconsolidated investee	[4],[5]	6,703		6,703	6,703
Total		643,544		634,493	570,461
Financial liabilities:
Liability for estimated losses on consumer loans guaranteed by the Company		1,941		1,996	1,833
Promissory note		3,000		3,000	3,000
Securitization Notes		151,987		165,419	106,846
Senior Notes		496,029		495,622	495,235
Total		652,957		666,037	606,914
Level 1 | Estimated Fair Value
Financial assets:
Cash and cash equivalents		46,209		39,934	39,167
Restricted cash	[3]	26,636		26,306	34,601
Total		72,845		66,240	73,768
Level 2 | Estimated Fair Value
Financial liabilities:
Securitization Notes		153,812		168,216	106,846
Senior Notes		518,855		495,940	396,250
Total		672,667		664,156	503,096
Level 3 | Estimated Fair Value
Financial assets:
Short-term loans and line of credit accounts, net	[1]	157,184		162,824	145,445
Installment loans and RPAs, net	[1],[2]	441,701		430,895	379,794
Investment in unconsolidated investee	[4],[5]	6,703		6,703	6,703
Total		605,588		600,422	531,942
Financial liabilities:
Liability for estimated losses on consumer loans guaranteed by the Company		1,941		1,996	1,833
Promissory note		3,202		3,111	3,018
Total		$ 5,143		$ 5,107	$ 4,851
[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 $223.4 million, $142.3 million and $216.8 million in net assets of consolidated VIEs as of June 30, 2017 and 2016 and December 31, 2016, respectively.
[3]	Restricted cash includes $19.1 million, $13.9 million and $19.5 million in assets of consolidated VIEs as of June 30, 2017 and 2016 and December 31, 2016, respectively.
[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 - Fin57

Fair Value Measurements - Financial Assets and Liabilities Not Measured at Fair Value (Parenthetical) (Detail) - Variable Interest Entity, Primary Beneficiary - USD ($) $ in Millions	Jun. 30, 2017	Dec. 31, 2016	Jun. 30, 2016
Fair Value Balance Sheet Grouping Financial Statement Captions [Line Items]
Installment loans and RPAs, net	$ 223.4	$ 216.8	$ 142.3
Restricted cash	$ 19.1	$ 19.5	$ 13.9

Condensed Consolidating Finan58

Condensed Consolidating Financial Statements - Additional Information (Detail)	Jun. 30, 2017
Guarantor Subsidiaries
Condensed Financial Statements Captions [Line Items]
Percentage of ownership	100.00%

Condensed Consolidating Finan59

Condensed Consolidating Financial Statements - Condensed Consolidating Balance Sheets - (Detail) - USD ($) $ in Thousands	Jun. 30, 2017	Dec. 31, 2016	Jun. 30, 2016	Dec. 31, 2015
Assets
Cash and cash equivalents	$ 46,209	$ 39,934	$ 39,167	$ 42,066
Restricted cash	26,636	26,306	34,601
Loans and finance receivables, net	563,996	561,550	489,990
Income taxes receivable	13,410
Other receivables and prepaid expenses	22,006	19,524	18,468
Property and equipment, net	44,329	47,100	47,206
Goodwill	267,012	267,010	267,013
Intangible assets, net	4,865	5,404	5,946
Other assets	13,406	11,051	8,478
Total assets	1,001,869	977,879	910,869
Liabilities and Stockholders' Equity
Accounts payable and accrued expenses	62,799	71,671	75,175
Income taxes currently payable		282	2,912
Deferred tax liabilities, net	25,753	14,316	19,677
Long-term debt	638,749	649,911	588,824
Total liabilities	727,301	736,180	686,588
Commitments and contingencies
Stockholders' equity	274,568	241,699	224,281	205,968
Total liabilities and stockholders' equity	1,001,869	977,879	910,869
Parent
Assets
Income taxes receivable	97,048
Other receivables and prepaid expenses	112	127	154
Investment in subsidiaries	342,490	294,646	262,271
Intercompany receivable	322,672	363,942	402,271
Other assets	3,847	597	614
Total assets	766,169	659,312	665,310
Liabilities and Stockholders' Equity
Accounts payable and accrued expenses	4,162	4,310	4,161
Income taxes currently payable		(72,704)	(47,687)
Deferred tax liabilities, net	(377)	(354)	(371)
Long-term debt	487,816	486,361	484,926
Total liabilities	491,601	417,613	441,029
Commitments and contingencies
Stockholders' equity	274,568	241,699	224,281
Total liabilities and stockholders' equity	766,169	659,312	665,310
Guarantor Subsidiaries
Assets
Cash and cash equivalents	41,612	36,057	37,311	40,927
Restricted cash	7,517	6,838	20,671
Loans and finance receivables, net	331,618	335,160	340,130
Income taxes receivable	(83,659)
Other receivables and prepaid expenses	20,450	19,095	18,079
Property and equipment, net	43,681	46,507	46,852
Goodwill	267,012	267,010	267,013
Intangible assets, net	4,864	5,400	5,939
Investment in subsidiaries	39,760	25,131	18,641
Other assets	7,369	7,995	7,864
Total assets	680,224	749,193	762,500
Liabilities and Stockholders' Equity
Accounts payable and accrued expenses	56,246	65,714	69,528
Intercompany payables	247,094	295,763	352,511
Income taxes currently payable		73,006	50,593
Deferred tax liabilities, net	26,608	15,156	20,539
Total liabilities	329,948	449,639	493,171
Commitments and contingencies
Stockholders' equity	350,276	299,554	269,329
Total liabilities and stockholders' equity	680,224	749,193	762,500
Non-Guarantor Subsidiaries
Assets
Cash and cash equivalents	4,597	3,877	1,856	$ 1,139
Restricted cash	19,119	19,468	13,930
Loans and finance receivables, net	232,378	226,390	149,860
Income taxes receivable	21
Other receivables and prepaid expenses	1,444	302	235
Property and equipment, net	648	593	354
Intangible assets, net	1	4	7
Other assets	2,190	2,459
Total assets	260,398	253,093	166,242
Liabilities and Stockholders' Equity
Accounts payable and accrued expenses	2,391	1,647	1,486
Intercompany payables	75,578	68,179	49,762
Income taxes currently payable		(20)	6
Deferred tax liabilities, net	(478)	(486)	(491)
Long-term debt	150,933	163,550	103,898
Total liabilities	228,424	232,870	154,661
Commitments and contingencies
Stockholders' equity	31,974	20,223	11,581
Total liabilities and stockholders' equity	260,398	253,093	166,242
Eliminations
Assets
Investment in subsidiaries	(382,250)	(319,777)	(280,912)
Intercompany receivable	(322,672)	(363,942)	(402,271)
Total assets	(704,922)	(683,719)	(683,183)
Liabilities and Stockholders' Equity
Intercompany payables	(322,672)	(363,942)	(402,273)
Total liabilities	(322,672)	(363,942)	(402,273)
Commitments and contingencies
Stockholders' equity	(382,250)	(319,777)	(280,910)
Total liabilities and stockholders' equity	$ (704,922)	$ (683,719)	$ (683,183)

Condensed Consolidating Finan60

Condensed Consolidating Financial Statements - Condensed Consolidating Statements of Income and Comprehensive Income - (Detail) - USD ($) $ in Thousands		3 Months Ended		6 Months Ended
		Jun. 30, 2017	Jun. 30, 2016	Jun. 30, 2017	Jun. 30, 2016
Condensed Financial Statements Captions [Line Items]
Revenue		$ 189,904	$ 172,535	$ 382,167	$ 347,188
Cost of Revenue		79,862	65,453	161,746	135,030
Gross Profit		110,042	107,082	220,421	212,158
Expenses
Marketing		23,410	25,597	42,993	46,778
Operations and technology		21,818	20,935	45,349	41,069
General and administrative		26,245	27,515	51,941	55,440
Depreciation and amortization		3,366	4,228	6,863	8,215
Total Expenses		74,839	78,275	147,146	151,502
Income from Operations		35,203	28,807	73,275	60,656
Interest (expense) income, net		(17,012)	(16,026)	(34,234)	(31,941)
Foreign currency transaction gain		62	471	289	2,039
Income before Income Taxes		18,253	13,252	39,330	30,754
Provision for income taxes		6,380	5,064	13,605	12,703
Income (loss) before Equity in Net Earnings of Subsidiaries		11,873	8,188	25,725	18,051
Net Income		11,873	8,188	25,725	18,051
Other comprehensive gain (loss), net of tax:
Foreign currency translation gain (loss)	[1]	1,371	(3,689)	2,509	(3,825)
Total other comprehensive (loss) gain, net of tax		1,371	(3,689)	2,509	(3,825)
Comprehensive Income		13,244	4,499	28,234	14,226
Parent
Expenses
General and administrative		86	105	134	148
Total Expenses		86	105	134	148
Income from Operations		(86)	(105)	(134)	(148)
Interest (expense) income, net		(13,365)	(13,179)	(26,542)	(26,451)
Foreign currency transaction gain		57	471	284	2,039
Income before Income Taxes		(13,394)	(12,813)	(26,392)	(24,560)
Provision for income taxes		(4,673)	(5,018)	(9,129)	(10,145)
Income (loss) before Equity in Net Earnings of Subsidiaries		(8,721)	(7,795)	(17,263)	(14,415)
Net earnings of subsidiaries		20,594	15,983	42,988	32,466
Net Income		11,873	8,188	25,725	18,051
Other comprehensive gain (loss), net of tax:
Foreign currency translation gain (loss)		1,371	(3,689)	2,509	(3,825)
Total other comprehensive (loss) gain, net of tax		1,371	(3,689)	2,509	(3,825)
Comprehensive Income		13,244	4,499	28,234	14,226
Guarantor Subsidiaries
Condensed Financial Statements Captions [Line Items]
Revenue		157,406	135,010	318,173	308,146
Cost of Revenue		58,517	38,001	117,932	104,446
Gross Profit		98,889	97,009	200,241	203,700
Expenses
Marketing		22,890	25,358	42,263	46,140
Operations and technology		20,237	19,954	42,179	39,137
General and administrative		25,455	26,886	50,314	54,328
Depreciation and amortization		3,320	4,207	6,775	8,175
Total Expenses		71,902	76,405	141,531	147,780
Income from Operations		26,987	20,604	58,710	55,920
Interest (expense) income, net		(29)	311	(64)	736
Foreign currency transaction gain		5		5
Income before Income Taxes		26,963	20,915	58,651	56,656
Provision for income taxes		9,425	7,802	20,288	23,402
Income (loss) before Equity in Net Earnings of Subsidiaries		17,538	13,113	38,363	33,254
Net earnings of subsidiaries		3,056	2,870	4,625	(788)
Net Income		20,594	15,983	42,988	32,466
Other comprehensive gain (loss), net of tax:
Foreign currency translation gain (loss)		2,383	(4,610)	2,893	(5,258)
Total other comprehensive (loss) gain, net of tax		2,383	(4,610)	2,893	(5,258)
Comprehensive Income		22,977	11,373	45,881	27,208
Non-Guarantor Subsidiaries
Condensed Financial Statements Captions [Line Items]
Revenue		33,744	38,334	66,528	40,540
Cost of Revenue		21,345	27,452	43,814	30,584
Gross Profit		12,399	10,882	22,714	9,956
Expenses
Marketing		520	239	730	638
Operations and technology		1,581	981	3,170	1,932
General and administrative		1,950	1,333	4,027	2,462
Depreciation and amortization		46	21	88	40
Total Expenses		4,097	2,574	8,015	5,072
Income from Operations		8,302	8,308	14,699	4,884
Interest (expense) income, net		(3,618)	(3,158)	(7,628)	(6,226)
Income before Income Taxes		4,684	5,150	7,071	(1,342)
Provision for income taxes		1,628	2,280	2,446	(554)
Income (loss) before Equity in Net Earnings of Subsidiaries		3,056	2,870	4,625	(788)
Net Income		3,056	2,870	4,625	(788)
Other comprehensive gain (loss), net of tax:
Foreign currency translation gain (loss)		(1,012)	919	(384)	1,430
Total other comprehensive (loss) gain, net of tax		(1,012)	919	(384)	1,430
Comprehensive Income		2,044	3,789	4,241	642
Eliminations
Condensed Financial Statements Captions [Line Items]
Revenue		(1,246)	(809)	(2,534)	(1,498)
Gross Profit		(1,246)	(809)	(2,534)	(1,498)
Expenses
General and administrative		(1,246)	(809)	(2,534)	(1,498)
Total Expenses		(1,246)	(809)	(2,534)	(1,498)
Net earnings of subsidiaries		(23,650)	(18,853)	(47,613)	(31,678)
Net Income		(23,650)	(18,853)	(47,613)	(31,678)
Other comprehensive gain (loss), net of tax:
Foreign currency translation gain (loss)		(1,371)	3,691	(2,509)	3,828
Total other comprehensive (loss) gain, net of tax		(1,371)	3,691	(2,509)	3,828
Comprehensive Income		$ (25,021)	$ (15,162)	$ (50,122)	$ (27,850)
[1]	Net of tax (provision) benefit of $(775) and $2,076 for the three months ended June 30, 2017 and 2016, respectively, and $(1,418) and $2,153 for the six months ended June 30, 2017 and 2016, respectively.

Condensed Consolidating Finan61

Condensed Consolidating Financial Statements - Condensed Consolidating Statements of Cash Flows - (Detail) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2017	Jun. 30, 2016	Jun. 30, 2017	Jun. 30, 2016
Condensed Cash Flow Statements Captions [Line Items]
Cash Flows from Operating Activities			$ 186,058	$ 180,507
Cash Flows from Investing Activities
Loans and finance receivables originated or acquired			(607,432)	(605,714)
Loans and finance receivables repaid			442,701	415,530
Change in restricted cash			13	(27,935)
Purchases of property and equipment	$ (3,145)	$ (5,419)	(5,301)	(7,649)
Other investing activities			1,482	95
Net cash used in investing activities			(168,537)	(225,673)
Cash Flows from Financing Activities
Debt issuance costs paid			(1,797)	(3,271)
Treasury shares purchased			(672)	(62)
Borrowings under revolving line of credit				20,000
Repayments under revolving line of credit				(78,400)
Borrowings under securitization facility			65,600	162,761
Repayments under securitization facility			(79,031)	(55,915)
Net cash (used in) provided by financing activities			(15,900)	45,113
Effect of exchange rates on cash			4,654	(2,846)
Net increase (decrease) in cash and cash equivalents			6,275	(2,899)
Cash and cash equivalents at beginning of year			39,934	42,066
Cash and cash equivalents at end of period	46,209	39,167	46,209	39,167
Parent
Condensed Cash Flow Statements Captions [Line Items]
Cash Flows from Operating Activities			672	87,625
Cash Flows from Investing Activities
Capital contributions to subsidiaries				(29,163)
Net cash used in investing activities				(29,163)
Cash Flows from Financing Activities
Treasury shares purchased			(672)	(62)
Borrowings under revolving line of credit				20,000
Repayments under revolving line of credit				(78,400)
Net cash (used in) provided by financing activities			(672)	(58,462)
Guarantor Subsidiaries
Condensed Cash Flow Statements Captions [Line Items]
Cash Flows from Operating Activities			203,382	71,778
Cash Flows from Investing Activities
Loans and finance receivables originated or acquired			(592,766)	(456,816)
Securitized loans transferred			98,610
Loans and finance receivables repaid			311,931	410,445
Change in restricted cash			(336)	(14,005)
Purchases of property and equipment			(5,148)	(7,559)
Capital contributions to subsidiaries			(7,510)	(5,250)
Other investing activities			1,482	95
Net cash used in investing activities			(193,737)	(73,090)
Cash Flows from Financing Activities
(Payments for) proceeds from member's equity			(7,119)	786
Debt issuance costs paid			(1,797)
Net cash (used in) provided by financing activities			(8,916)	786
Effect of exchange rates on cash			4,826	(3,090)
Net increase (decrease) in cash and cash equivalents			5,555	(3,616)
Cash and cash equivalents at beginning of year			36,057	40,927
Cash and cash equivalents at end of period	41,612	37,311	41,612	37,311
Non-Guarantor Subsidiaries
Condensed Cash Flow Statements Captions [Line Items]
Cash Flows from Operating Activities			(10,877)	49,481
Cash Flows from Investing Activities
Loans and finance receivables originated or acquired			(14,666)	(148,898)
Securitized loans transferred			(98,610)
Loans and finance receivables repaid			130,770	5,085
Change in restricted cash			349	(13,930)
Purchases of property and equipment			(153)	(90)
Net cash used in investing activities			17,690	(157,833)
Cash Flows from Financing Activities
(Payments for) proceeds from member's equity			7,510	5,250
Debt issuance costs paid				(3,271)
Borrowings under securitization facility			65,600	162,761
Repayments under securitization facility			(79,031)	(55,915)
Net cash (used in) provided by financing activities			(5,921)	108,825
Effect of exchange rates on cash			(172)	244
Net increase (decrease) in cash and cash equivalents			720	717
Cash and cash equivalents at beginning of year			3,877	1,139
Cash and cash equivalents at end of period	$ 4,597	$ 1,856	4,597	1,856
Eliminations
Condensed Cash Flow Statements Captions [Line Items]
Cash Flows from Operating Activities			(7,119)	(28,377)
Cash Flows from Investing Activities
Capital contributions to subsidiaries			7,510	34,413
Net cash used in investing activities			7,510	34,413
Cash Flows from Financing Activities
(Payments for) proceeds from member's equity			(391)	(6,036)
Net cash (used in) provided by financing activities			$ (391)	$ (6,036)