Enova International (ENVA) 10-Q 1 May 19 2019 Q1 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	3 Months Ended
	Mar. 31, 2019	Apr. 29, 2019
Document And Entity Information [Abstract]
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Mar. 31, 2019
Document Fiscal Year Focus	2019
Document Fiscal Period Focus	Q1
Trading Symbol	ENVA
Entity Registrant Name	Enova International, Inc.
Entity Central Index Key	0001529864
Current Fiscal Year End Date	--12-31
Entity Filer Category	Large Accelerated Filer
Entity Emerging Growth Company	false
Entity Small Business	false
Entity Common Stock, Shares Outstanding		33,726,665

CONSOLIDATED BALANCE SHEETS (Un

CONSOLIDATED BALANCE SHEETS (Unaudited) - USD ($) $ in Thousands		Mar. 31, 2019	Dec. 31, 2018	Mar. 31, 2018
Assets
Cash and cash equivalents	[1]	$ 92,829	$ 52,917	$ 69,900
Restricted cash	[1]	25,391	24,342	34,765
Loans and finance receivables, net	[1]	815,856	859,946	703,076
Income taxes receivable		20,672	28,914
Other receivables and prepaid expenses	[1]	29,354	29,983	22,164
Property and equipment, net		50,522	49,553	47,698
Operating lease right-of-use assets		21,453
Goodwill		267,013	267,013	267,013
Intangible assets, net		2,987	3,255	4,058
Other assets	[1]	12,342	12,262	9,526
Total assets		1,338,419	1,328,185	1,158,200
Liabilities and Stockholders' Equity
Accounts payable and accrued expenses	[1]	87,434	89,317	70,473
Operating lease liabilities		38,731
Income taxes currently payable				257
Deferred tax liabilities, net		41,132	33,171	17,087
Long-term debt	[1]	791,908	857,929	754,650
Total liabilities		959,205	980,417	842,467
Commitments and contingencies (Note 9)
Stockholders' equity:
Common stock, $0.00001 par value, 250,000,000 shares authorized, 35,339,678, 34,340,242 and 34,856,553 shares issued and 33,683,763, 33,862,388 and 33,584,606 outstanding as of March 31, 2019 and 2018 and December 31, 2018, respectively		0	0	0
Preferred stock, $0.00001 par value, 25,000,000 shares authorized, no shares issued and outstanding
Additional paid in capital		51,638	48,175	32,671
Retained earnings		371,086	336,415	294,215
Accumulated other comprehensive loss		(12,251)	(13,805)	(4,322)
Treasury stock, at cost (1,655,915, 477,854 and 1,271,947 shares as of March 31, 2019 and 2018 and December 31, 2018, respectively)		(31,259)	(23,017)	(6,831)
Total stockholders' equity		379,214	347,768	315,733
Total liabilities and stockholders' equity		$ 1,338,419	$ 1,328,185	$ 1,158,200
[1]	Includes amounts in wholly owned, bankruptcy-remote special purpose subsidiaries (“VIEs”) presented separately in the table below.

CONSOLIDATED BALANCE SHEETS (_2

CONSOLIDATED BALANCE SHEETS (Unaudited) (Parenthetical) - $ / shares	Mar. 31, 2019	Dec. 31, 2018	Mar. 31, 2018
Statement Of Financial Position [Abstract]
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	35,339,678	34,856,553	34,340,242
Common stock, shares outstanding	33,683,763	33,584,606	33,862,388
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	1,655,915	1,271,947	477,854

CONSOLIDATED BALANCE SHEETS (Co

CONSOLIDATED BALANCE SHEETS (Consolidated VIEs) (Unaudited) - USD ($) $ in Thousands		Mar. 31, 2019	Dec. 31, 2018	Mar. 31, 2018
Assets of consolidated VIEs, included in total assets above
Cash and cash equivalents	[1]	$ 92,829	$ 52,917	$ 69,900
Restricted cash	[1]	25,391	24,342	34,765
Loans and finance receivables, net	[1]	815,856	859,946	703,076
Other receivables and prepaid expenses	[1]	29,354	29,983	22,164
Other assets	[1]	12,342	12,262	9,526
Liabilities of consolidated VIEs, included in total liabilities above
Accounts payable and accrued expenses	[1]	87,434	89,317	70,473
Long-term debt	[1]	791,908	857,929	754,650
Variable Interest Entity, Primary Beneficiary
Assets of consolidated VIEs, included in total assets above
Cash and cash equivalents		420	210
Restricted cash		23,167	22,168	26,746
Loans and finance receivables, net		280,711	318,961	278,272
Other receivables and prepaid expenses		5,914	2,712	1
Other assets		2,737	2,544	155
Total assets		312,949	346,595	305,174
Liabilities of consolidated VIEs, included in total liabilities above
Accounts payable and accrued expenses		2,711	3,087	1,677
Long-term debt		178,841	223,368	214,459
Total liabilities		$ 181,552	$ 226,455	$ 216,136
[1]	Includes amounts in wholly owned, bankruptcy-remote special purpose subsidiaries (“VIEs”) presented separately in the table below.

CONSOLIDATED BALANCE SHEETS (_3

CONSOLIDATED BALANCE SHEETS (Consolidated VIEs) (Unaudited) (Parenthetical) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018	Mar. 31, 2018
Allowance for losses	$ 141,401	$ 163,308	$ 114,283
Variable Interest Entity, Primary Beneficiary
Allowance for losses	$ 27,227	$ 27,255	$ 24,471

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME (Unaudited) - USD ($) shares in Thousands, $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Income Statement [Abstract]
Revenue	$ 293,183	$ 254,298
Cost of Revenue	139,045	108,553
Gross Profit	154,138	145,745
Expenses
Marketing	23,662	27,736
Operations and technology	29,600	25,538
General and administrative	29,573	26,921
Depreciation and amortization	4,184	3,838
Total Expenses	87,019	84,033
Income from Operations	67,119	61,712
Interest expense, net	(19,500)	(19,673)
Foreign currency transaction loss	(143)	(2,088)
Loss on early extinguishment of debt	(2,321)	(4,710)
Income before Income Taxes	45,155	35,241
Provision for income taxes	10,138	7,343
Net Income	$ 35,017	$ 27,898
Earnings per common share:
Basic	$ 1.05	$ 0.83
Diluted	$ 1.02	$ 0.81
Weighted average common shares outstanding:
Basic	33,481	33,669
Diluted	34,421	34,572

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Unaudited) - USD ($) $ in Thousands		3 Months Ended
		Mar. 31, 2019	Mar. 31, 2018
Statement Of Income And Comprehensive Income [Abstract]
Net Income		$ 35,017	$ 27,898
Other comprehensive gain (loss), net of tax:
Foreign currency translation gain	[1]	1,554	4,386
Reclassification of certain deferred tax effects	[2]		(1,622)
Total other comprehensive gain, net of tax		1,554	2,764
Comprehensive Income		$ 36,571	$ 30,662
[1]	Net of tax provision of $(500) and $(1,601) for the three months ended March 31, 2019 and 2018, respectively
[2]	Amount reclassified from accumulated other comprehensive loss represents stranded tax effects resulting from the newly enacted federal corporate income tax rate under the Tax Cuts and Jobs Act. The amount of the reclassification is the difference between the historical corporate income tax rate and the newly enacted 21 percent corporate income tax rate. These amounts were recorded to retained earnings on the consolidated balance sheets.

CONSOLIDATED STATEMENTS OF CO_2

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Unaudited) (Parenthetical) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Statement Of Income And Comprehensive Income [Abstract]
Tax provision of foreign currency translation loss (gain)	$ (500)	$ (1,601)

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, 2017	$ 281,687			$ 29,781	$ 264,695	$ (7,086)	$ (5,703)
Balance, in shares at Dec. 31, 2017			33,933,000				(428,000)
Stock-based compensation expense	2,433			2,433
Shares issued for vested RSUs, in shares			376,000
Shares issued for stock option exercises	457			457
Shares issued for stock option exercises, in shares			31,000
Net income	27,898				27,898
Foreign currency translation gain, net of tax	4,386	[1]				4,386
Purchases of treasury shares, at cost	(1,128)						$ (1,128)
Purchases of treasury shares, at cost, in shares							(50,000)
Reclassification of certain deferred tax effects	1,622	[2]			1,622	(1,622)
Balance at Mar. 31, 2018	$ 315,733			32,671	294,215	(4,322)	$ (6,831)
Balance, in shares at Mar. 31, 2018	34,340,242		34,340,000				(478,000)
Balance at Dec. 31, 2018	$ 347,768			48,175	336,415	(13,805)	$ (23,017)
Balance, in shares at Dec. 31, 2018	34,856,553		34,857,000				(1,272,000)
Stock-based compensation expense	$ 3,074			3,074
Shares issued for vested RSUs, in shares			427,000
Shares issued for stock option exercises	389			389
Shares issued for stock option exercises, in shares			56,000
Net income	35,017				35,017
Foreign currency translation gain, net of tax	1,554	[1]				1,554
Purchases of treasury shares, at cost	(8,242)						$ (8,242)
Purchases of treasury shares, at cost, in shares							(384,000)
Cumulative effect of accounting change (Note 1)	(346)				(346)
Balance at Mar. 31, 2019	$ 379,214			$ 51,638	$ 371,086	$ (12,251)	$ (31,259)
Balance, in shares at Mar. 31, 2019	35,339,678		35,340,000				(1,656,000)
[1]	Net of tax provision of $(500) and $(1,601) for the three months ended March 31, 2019 and 2018, respectively
[2]	Amount reclassified from accumulated other comprehensive loss represents stranded tax effects resulting from the newly enacted federal corporate income tax rate under the Tax Cuts and Jobs Act. The amount of the reclassification is the difference between the historical corporate income tax rate and the newly enacted 21 percent corporate income tax rate. These amounts were recorded to retained earnings on the consolidated balance sheets.

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Cash Flows from Operating Activities
Net Income	$ 35,017	$ 27,898
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	4,184	3,838
Amortization of deferred loan costs and debt discount	1,755	1,541
Cost of revenue	139,045	108,553
Stock-based compensation expense	3,074	2,433
Loss on early extinguishment of debt	2,321	4,710
Lease termination and cease-use costs	370
Deferred income taxes, net	7,560	3,388
Other		55
Changes in operating assets and liabilities:
Finance and service charges on loans and finance receivables	2,250	2,346
Other receivables and prepaid expenses	1,123	2,015
Operating leases, net	(365)
Accounts payable and accrued expenses	(24,794)	(8,124)
Current income taxes	49,540	4,349
Net cash provided by operating activities	221,080	153,002
Cash Flows from Investing Activities
Loans and finance receivables originated or acquired	(371,126)	(378,099)
Loans and finance receivables repaid	271,855	270,018
Purchases of property and equipment	(4,884)	(3,349)
Other investing activities		24
Net cash used in investing activities	(104,155)	(111,406)
Cash Flows from Financing Activities
Borrowings under revolving line of credit	45,000	32,000
Repayments under revolving line of credit	(67,000)	(24,000)
Borrowings under securitization facilities	37,800	55,300
Repayments under securitization facilities	(84,090)	(49,581)
Repayments of senior notes		(50,000)
Debt issuance costs paid	(378)
Debt prepayment penalty paid	(1,392)	(3,656)
Proceeds from exercise of stock options	389	457
Treasury shares purchased	(8,242)	(1,128)
Net cash used in financing activities	(77,913)	(40,608)
Effect of exchange rates on cash, cash equivalents and restricted cash	1,949	5,533
Net increase in cash, cash equivalents and restricted cash	40,961	6,521
Cash, cash equivalents and restricted cash at beginning of year	77,259	98,144
Cash, cash equivalents and restricted cash at end of period	118,220	104,665
Supplemental Disclosures
Loans and finance receivables renewed	$ 71,420	$ 84,544

Significant Accounting Policies

Significant Accounting Policies	3 Months Ended
	Mar. 31, 2019
Accounting Policies [Abstract]
Significant Accounting Policies	1. Significant Accounting Policies Nature of the Company 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. Basis of Presentation The consolidated financial statements of the Company reflect the historical results of operations and cash flows of the Company during each respective period. The consolidated financial statements include goodwill and intangible assets arising from businesses previously acquired. The financial information included herein may not be indicative of the consolidated financial position, operating results, changes in stockholders’ equity and cash flows of the Company in the future. Intercompany transactions are eliminated. 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 consolidated financial statements presented as of March 31, 2019 and 2018 and for the three-month periods ended March 31, 2019 and 2018 are unaudited but, in management’s opinion, include all adjustments, consisting only of normal recurring adjustments, necessary for a fair statement of the results for such interim periods. Operating results for the three-month period are not necessarily indicative of the results that may be expected for the full fiscal year. These consolidated financial statements and related notes should be read in conjunction with the Company’s audited consolidated financial statements as of December 31, 2018 and 2017 and for the years ended December 31, 2018, 2017 and 2016 and related notes, which are included on Form 10-K filed with the SEC on February 27, 2019. Cash, Cash Equivalents and Restricted Cash The following table provides a reconciliation of cash, cash equivalents and restricted cash to amounts reported within the consolidated balance sheet (in thousands): March 31, 2019 2018 Cash and cash equivalents $ 92,829 $ 69,900 Restricted cash 25,391 34,765 Total cash, cash equivalents and restricted cash $ 118,220 $ 104,665 Reclassification of Accumulated Other Comprehensive Income to Net Income In May 2009 and October 2009, the Company began providing services in Australia and Canada under the brand name DollarsDirect. Due to the small size of the Australian and Canadian markets and our limited operations there, we decided to exit those markets in 2016 and reallocate our resources to our other existing businesses. As a result, we stopped originating loans in those countries and have wound down our loan portfolios. During the quarter ended March 31, 2018, the Company continued the liquidation process of the legal entities related to Australia and Canada and recorded a $2.3 million loss to “Foreign currency transaction loss” in the consolidated statements of income to recognize the cumulative translation adjustment balance that had been previously recorded to “Accumulated other comprehensive loss” on the consolidated balance sheets. Adopted In February 2016, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) 2016‑02, Leases (Topic 842) Leases (Topic 842): Targeted Improvements Leases (Topic 842): Codification Improvements Accounting Changes and Error Corrections The Company adopted ASU 2016‑02 and ASU 2019‑01 on January 1, 2019 and elected the optional transition method permitted by ASU 2018‑11. The Company elected the package of transition practical expedients, which allows it to not reassess whether any expired or existing contracts are or contain leases and to not reassess the lease classification for existing or expired leases. The Company also elected the practical expedient to not separate lease and associated non-lease components and the short-term lease exception. The following table sets forth the impact of adoption as of January 1, 2019 (in thousands): Increase (decrease) Assets Other receivables and prepaid expenses $ (35 ) Operating lease right-of-use assets 22,332 Total assets $ 22,297 Liabilities and Stockholders' Equity Accounts payable and accrued expenses $ (16,860 ) Operating lease liabilities 39,605 Deferred tax liabilities, net (102 ) Total liabilities 22,643 Stockholders' equity: Retained earnings (346 ) Total stockholders' equity (346 ) Total liabilities and stockholders' equity $ 22,297 Accounting Standards to be Adopted in Future Periods In August 2018, the FASB issued ASU 2018‑15, Customer's Accounting for Implementation Costs Incurred in a Cloud Computing Arrangement that is a Service Contract In January 2017, the FASB issued ASU 2017‑04, Intangibles – Goodwill and Other (Topic 350) – Simplifying the Test for Goodwill Impairment In June 2016, the FASB issued ASU 2016‑13, Measurement of Credit Losses on Financial Instruments

Loans and Finance Receivables,

Loans and Finance Receivables, Credit Quality Information and Allowances and Liabilities for Estimated Losses on Loans and Finance Receivables	3 Months Ended
	Mar. 31, 2019
Receivables [Abstract]
Loans and Finance Receivables, Credit Quality Information and Allowances and Liabilities for Estimated Losses on Loans and Finance Receivables	2. Loans and Finance Receivables, Credit Quality Information and Allowances and Liabilities for Estimated Losses on Loans and Finance Receivables Revenue generated from the Company’s loans and finance receivables for the three months ended March 31, 2019 and 2018 was as follows (dollars in thousands): Three Months Ended March 31, 2019 2018 Short-term loans $ 46,325 $ 53,375 Line of credit accounts 104,483 78,309 Installment loans and RPAs 142,062 122,108 Total loans and finance receivables revenue 292,870 253,792 Other 313 506 Total revenue $ 293,183 $ 254,298 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. Through its CSO programs, the Company provides services related to third-party lenders’ short-term and installment consumer loan products by acting as a credit services organization or credit access business on behalf of consumers in accordance with applicable state laws. 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 and 65 days delinquent. If a loan or finance receivable is deemed uncollectible before it is fully reserved, it is charged off at that point. Loans and finance receivables classified as delinquent generally have an age of one to 64 days from the date any portion of the receivable became delinquent, as defined above. Recoveries on loans and finance receivables previously charged to the allowance are credited to the allowance when collected. The components of Company-owned loans and finance receivables at March 31, 2019 and 2018 and December 31, 2018 were as follows (dollars in thousands): As of March 31, 2019 Short-term Line of Credit Installment Loans and Loans Accounts RPAs Total Current receivables $ 27,872 $ 207,395 $ 636,278 $ 871,545 Delinquent receivables: Delinquent payment amounts (1) — 8,500 2,600 11,100 Receivables on non-accrual status 21,276 3,084 50,252 74,612 Total delinquent receivables 21,276 11,584 52,852 85,712 Total loans and finance receivables, gross 49,148 218,979 689,130 957,257 Less: Allowance for losses (15,418 ) (41,362 ) (84,621 ) (141,401 ) Loans and finance receivables, net $ 33,730 $ 177,617 $ 604,509 $ 815,856 As of March 31, 2018 Short-term Line of Credit Installment Loans and Loans Accounts RPAs Total Current receivables $ 39,339 $ 152,114 $ 543,435 $ 734,888 Delinquent receivables: Delinquent payment amounts (1) — 6,624 2,143 8,767 Receivables on non-accrual status 26,519 2,185 45,000 73,704 Total delinquent receivables 26,519 8,809 47,143 82,471 Total loans and finance receivables, gross 65,858 160,923 590,578 817,359 Less: Allowance for losses (19,136 ) (27,120 ) (68,027 ) (114,283 ) Loans and finance receivables, net $ 46,722 $ 133,803 $ 522,551 $ 703,076 As of December 31, 2018 Short-term Line of Credit Installment Loans and Loans Accounts RPAs Total Current receivables $ 37,558 $ 213,896 $ 672,538 $ 923,992 Delinquent receivables: Delinquent payment amounts (1) — 10,783 2,696 13,479 Receivables on non-accrual status 30,167 2,884 52,732 85,783 Total delinquent receivables 30,167 13,667 55,428 99,262 Total loans and finance receivables, gross 67,725 227,563 727,966 1,023,254 Less: Allowance for losses (21,420 ) (51,008 ) (90,880 ) (163,308 ) Loans and finance receivables, net $ 46,305 $ 176,555 $ 637,086 $ 859,946 (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 months ended March 31, 2019 and 2018 were as follows (dollars in thousands): Three Months Ended March 31, 2019 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 $ 21,420 $ 51,008 $ 90,880 $ 163,308 Cost of revenue 17,948 37,739 84,260 139,947 Charge-offs (29,476 ) (51,222 ) (111,840 ) (192,538 ) Recoveries 5,375 3,837 21,076 30,288 Effect of foreign currency translation 151 — 245 396 Balance at end of period $ 15,418 $ 41,362 $ 84,621 $ 141,401 Liability for third-party lender-owned loans: Balance at beginning of period $ 1,964 $ — $ 202 $ 2,166 Decrease in liability (858 ) — (44 ) (902 ) Balance at end of period $ 1,106 $ — $ 158 $ 1,264 Three Months Ended March 31, 2018 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 $ 19,917 $ 31,148 $ 71,979 $ 123,044 Cost of revenue 21,167 25,383 62,851 109,401 Charge-offs (28,485 ) (32,807 ) (81,206 ) (142,498 ) Recoveries 6,272 3,396 14,125 23,793 Effect of foreign currency translation 265 — 278 543 Balance at end of period $ 19,136 $ 27,120 $ 68,027 $ 114,283 Liability for third-party lender-owned loans: Balance at beginning of period $ 2,105 $ — $ 153 $ 2,258 Increase in liability (844 ) — (4 ) (848 ) Balance at end of period $ 1,261 $ — $ 149 $ 1,410 Guarantees of Consumer Loans In connection with its CSO programs, the Company guarantees consumer loan payment obligations to unrelated third-party lenders for short-term and installment loans and is required to purchase any defaulted loans it has guaranteed. The guarantee represents an obligation to purchase specific loans that go into default. As of March 31, 2019 and 2018 and December 31, 2018, the amount of consumer loans guaranteed by the Company was $22.3 million, $26.6 million and $29.7 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 $1.3 million, $1.4 million and $2.2 million, as of March 31, 2019 and 2018 and December 31, 2018, 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 received marketing and servicing fees while the bank received an origination fee. The bank had the ability to sell the loans it originated to the Company. In May 2018, as a result of a change in the law in Ohio, our bank partner suspended lending and the Company suspended purchasing loans through this program. The Company plans to continue and grow this program in the future by adding new partners and expanding into additional states.

Leases

Leases	3 Months Ended
	Mar. 31, 2019
Leases [Abstract]
Leases	3. Leases The Company has operating leases primarily for its corporate headquarters, other offices located in the U.S. and the U.K. and certain equipment. The Company’s leases have remaining lease terms of less than one year to nine years. Certain leases include options to extend the leases for up to five years, while others include options to terminate the leases within one year. The Company’s lease agreements do not contain any material residual value guarantees or material restrictive covenants. The Company determines if an arrangement is an operating lease at inception. Leases with an initial term of 12 months or less are not recorded on the consolidated balance sheet. All other operating leases are recorded on the consolidated balance sheet with right-of-use assets representing the right to use the underlying asset for the lease term and lease liabilities representing the obligation to make lease payments arising from the lease. Right-of-use assets and lease liabilities Lease expenses for the three months ended March 31, 2019 were as follows (in thousands): Three Months Ended March 31, 2019 Operating lease cost $ 1,574 Operating lease impairment charge 370 Variable lease cost 58 Short-term lease cost 15 Total lease cost $ 2,017 Future minimum lease payments as of March 31, 2019 are as follows (in thousands): Year Amount 2019 $ 5,779 2020 7,438 2021 7,361 2022 7,019 2023 7,119 Thereafter 23,464 Total lease payments $ 58,180 Less: interest 19,449 Present value of lease liabilities $ 38,731 The weighted-average remaining lease term and discount rate as of March 31, 2019 were as follows: March 31, 2019 Weighted-average remaining lease term (years) Operating leases 7.8 Weighted-average discount rate Operating leases 10.76 % Supplemental cash flow disclosures related to leases for the three months ended March 31, 2019 were as follows (in thousands): Three Months Ended March 31, 2019 Cash paid for amounts included in the measurement of lease liabilities Operating cash flows from operating leases $ 1,938

Long-term Debt

Long-term Debt	3 Months Ended
	Mar. 31, 2019
Debt Disclosure [Abstract]
Long-term Debt	4. Long-term debt The Company’s long-term debt instruments and balances outstanding as of March 31, 2019 and 2018 and December 31, 2018 were as follows (dollars in thousands): March 31, December 31, 2019 2018 2018 Securitization notes $ 181,000 $ 217,125 $ 227,288 Revolving line of credit — 8,000 22,000 9.75% senior notes due 2021 — 293,044 — 8.50% senior notes due 2024 250,000 250,000 250,000 8.50% senior notes due 2025 375,000 — 375,000 Subtotal 806,000 768,169 874,288 Less: Long-term debt issuance costs (14,092 ) (13,519 ) (16,359 ) Total long-term debt $ 791,908 $ 754,650 $ 857,929 Weighted-average interest rates on long-term debt were 9.03% and 9.79% during the three months ended March 31, 2019 and 2018, respectively. As of March 31, 2019 and 2018 and December 31, 2018, the Company was in compliance with all covenants and other requirements set forth in the prevailing long-term debt agreements. 8.50% Senior Unsecured Notes Due 2025 On September 19, 2018, the Company issued and sold $375.0 million in aggregate principal amount of 8.50% Senior Notes due 2025 (the “2025 Senior Notes”). The 2025 Senior Notes were sold to qualified institutional buyers in accordance with Rule 144A under the Securities Act of 1933, as amended (the “Securities Act”) and outside the United States pursuant to Regulation S under the Securities Act. The 2025 Senior Notes bear interest at a rate of 8.50% annually on the principal amount payable semi-annually in arrears on March 15 and September 15 of each year, beginning on March 15, 2019. The 2025 Senior Notes were sold at a price of 100%. The 2025 Senior Notes will mature on September 15, 2025. The 2025 Senior Notes are unsecured debt obligations of the Company, and are unconditionally guaranteed by certain of the Company’s domestic subsidiaries. The 2025 Senior Notes are redeemable at the Company’s option, in whole or in part, (i) at any time prior to September 15, 2021 at 100% of the aggregate principal amount of 2025 Senior Notes redeemed plus the applicable “make whole” premium specified in the indenture that governs the Company’s 2025 Notes (the “2025 Senior Notes Indenture”), plus accrued and unpaid interest, if any, to the redemption date and (ii) at any time on or after September 15, 2021 at the premium, if any, specified in the 2025 Senior Notes Indenture that will decrease over time, plus accrued and unpaid interest, if any, to the redemption date. In addition, prior to September 15, 2021, at its option, the Company may redeem up to 40% of the aggregate principal amount of the 2025 Senior Notes at a redemption price of 108.5% of the aggregate principal amount of 2025 Senior Notes redeemed, plus accrued and unpaid interest, if any, to the redemption date, with the proceeds of certain equity offerings as described in the 2025 Senior Notes Indenture. The 2025 Senior Notes and the related guarantees have not been and will not be registered under the Securities Act, or the securities laws of any state or other jurisdiction, and may not be offered or sold in the United States without registration or an applicable exemption from the registration requirements of the Securities Act and applicable state securities or blue sky laws and foreign securities laws. The Company used a portion of the net proceeds of the 2025 Senior Notes offering to retire $295.0 million of the remaining outstanding 9.75% senior notes due 2021 (the “2021 Senior Notes) and pay the related accrued interest, premiums, fees and expenses associated therewith. The remaining amount was intended to be used for general corporate purposes, potentially including working capital and future repurchases of its outstanding debt securities. 8.50% Senior Unsecured Notes Due 2024 On September 1, 2017, the Company issued and sold $250.0 million in aggregate principal amount of 8.50% Senior Notes due 2024 (the “2024 Senior Notes”). The 2024 Senior Notes were sold to qualified institutional buyers in accordance with Rule 144A under the Securities Act and outside the United States pursuant to Regulation S under the Securities Act. The 2024 Senior Notes bear interest at a rate of 8.50% annually on the principal amount payable semi-annually in arrears on March 1 and September 1 of each year, beginning on March 1, 2018. The 2024 Senior Notes were sold at a price of 100%. The 2024 Senior Notes will mature on September 1, 2024. The 2024 Senior Notes are unsecured debt obligations of the Company, and are unconditionally guaranteed by certain of its domestic subsidiaries. The 2024 Senior Notes are redeemable at the Company’s option, in whole or in part, (i) at any time prior to September 1, 2020 at 100% of the aggregate principal amount of 2024 Senior Notes redeemed plus the applicable “make whole” premium specified in the indenture that governs the Company’s 2024 Notes (the “2024 Senior Notes Indenture”), plus accrued and unpaid interest, if any, to the redemption date and (ii) at any time on or after September 1, 2020 at the premium, if any, specified in the 2024 Senior Notes Indenture that will decrease over time, plus accrued and unpaid interest, if any, to the redemption date. In addition, prior to September 1, 2020, at its option, the Company may redeem up to 40% of the aggregate principal amount of the 2024 Senior Notes at a redemption price of 108.5% of the aggregate principal amount of 2024 Senior Notes redeemed, plus accrued and unpaid interest, if any, to the redemption date, with the proceeds of certain equity offerings as described in the 2024 Senior Notes Indenture. The 2024 Senior Notes and the related guarantees have not been and will not be registered under the Securities Act, or the securities laws of any state or other jurisdiction, and may not be offered or sold in the United States without registration or an applicable exemption from the registration requirements of the Securities Act and applicable state securities or blue sky laws and foreign securities laws. The Company used the net proceeds of the 2024 Senior Notes offering to retire a portion of the 2021 Senior Notes, to pay the related accrued interest, premiums, fees and expenses associated therewith and for general corporate purposes. Consumer Loan Securitizations 2019‑1 Facility On February 25, 2019 (the “2019‑1 Closing Date”), the Company and several of its subsidiaries entered into a receivables securitization (the “2019‑1 Facility”) with PCAM Credit II, LLC, as lender (the “2019‑1 Lender”). The 2019‑1 Lender is an affiliate of Park Cities Asset Management, LLC. The 2019‑1 Facility finances Securitization Receivables that have been and will be originated or acquired under the Company’s NetCredit and CashNetUSA brands by several of the Company’s subsidiaries and that meet specified eligibility criteria. Under the 2019‑1 Facility, eligible Securitization Receivables are sold to a wholly-owned subsidiary of the Company (the “2019‑1 Debtor”) and serviced by another subsidiary of the Company. The 2019‑1 2019‑1 2019‑1 2019‑1 2019‑1 As of March 31, 2019, the total outstanding amount of the 2019‑1 Facility was $12.8 million. The 2019‑1 2019‑1 2019‑1 2019‑1 2019‑1 2019‑1 2019‑1 2019‑1 2019‑1 2019‑1 2019‑1 2019‑1 All amounts due under the 2019‑1 2019‑1 2019‑1 2019‑1 2019‑1 The 2019‑1 2019‑1 2019‑1 2018‑A Notes On October 31, 2018 (the “2018‑A Closing Date”), the Company issued $95,000,000 Class A Asset Backed Notes (the “Class A Notes”) and $30,400,000 Class B Asset Backed Notes (the “Class B Notes” and, collectively with the Class A Notes, the “2018‑A Notes”), through an indirect subsidiary. The Class A Notes bear interest at 4.20% and the Class B Notes bear interest at 7.37%. The 2018‑A Notes are backed by a pool of unsecured consumer installment loans (“Securitization Receivables”) and represent obligations of the issuer only. The 2018‑A Notes are not guaranteed by the Company. Under the 2018‑A Notes, Securitization Receivables are sold to a wholly-owned subsidiary of the Company and serviced by another subsidiary of the Company. As of March 31, 2019 and December 31, 2018, the total outstanding amount of the 2018‑A Notes was $80.0 million and $111.4 million, respectively. The net proceeds of the offering of the 2018‑A Notes on the 2018‑A Closing Date were used to acquire the Securitization Receivables from the Company, fund a reserve account and pay fees and expenses incurred in connection with the transaction. The 2018 ‑ ‑ 2018‑2 Facility On October 23, 2018, the Company and several of its subsidiaries entered into a receivables funding agreement (the “2018 ‑ ‑ ‑ ‑ ‑ The 2018 ‑ ‑ As of March 31, 2019 and December 31, 2018, the total outstanding amount of the 2018‑2 Facility was $50.0 million and $25.0 million, respectively The 2018 ‑ ‑ ‑ ‑ ‑ ‑ ‑ ‑ ‑ All amounts due under the 2018 ‑ ‑ ‑ The 2018 ‑ ‑ ‑ 2018‑1 Facility On July 23, 2018, the Company and several of its subsidiaries entered into a receivables funding agreement (the “2018‑1 Facility”) with Pacific Western Bank, as lender (the “2018‑1 Lender”). The 2018‑1 Facility collateralizes Securitization Receivables that have been and will be originated or acquired under the Company’s NetCredit brand by several of its subsidiaries and that meet specified eligibility criteria in exchange for a revolving note. Under the 2018‑1 Facility, Securitization Receivables are sold to a wholly-owned subsidiary of the Company (the “2018‑1 Debtor”) and serviced by another subsidiary of the Company. The 2018‑1 Debtor has issued a revolving note with an initial maximum principal balance of $150.0 million, which is required to be secured by 1.25 times the drawn amount in eligible Securitization Receivables. The 2018‑1 Facility is non-recourse to the Company and matures on July 22, 2023. As of March 31, 2019 and December 31, 2018, the total outstanding amount of the 2018‑1 Facility was $36.0 million at both dates. The 2018 ‑ ‑ ‑ ‑ ‑ ‑ ‑ All amounts due under the 2018 ‑ ‑ ‑ The 2018 ‑ ‑ ‑ 2016‑1 Facility On January 15, 2016, the Company and certain of its subsidiaries entered into a receivables securitization (as amended, the “2016 ‑ ‑ ‑ ‑ ‑ ‑ Subject to certain exceptions, the 2016 ‑ As of March 31, 2018 and December 31, 2018, the carrying amount of the 2016-1 Facility was $199.3 million and $54.9 million, 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 2016‑2 Facility securitized Securitization Receivables that were originated or acquired under the Company’s NetCredit brand by several of the Company’s subsidiaries and that met specified eligibility criteria, including that the annual percentage rate for each securitized consumer loan was greater than or equal to 90%. Under the 2016‑2 Facility, Securitization Receivables are sold to a wholly-owned subsidiary of the Company and serviced by another subsidiary of the Company. In October 2018, the 2016 2 Facility was repaid in full and there is no remaining amount available to be borrowed. As of , the carrying amount of the 2016 2 Facility was $15.1 million. Revolving Credit Facility On June 30, 2017, the Company and certain of its operating subsidiaries entered into a 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 (as amended the “Credit Agreement”). On April 13, 2018 and October 5, 2018, the Credit Agreement was amended to include Pacific Western Bank and Axos Bank, respectively, as lenders in the syndicate of lenders. The Credit Agreement is secured by domestic receivables and matures on May 1, 2020. The borrowing limit in the Credit Agreement is $125 million. There were no outstanding borrowings under the Credit Agreement as of March 31, 2019. The Company had outstanding borrowings under the Credit Agreement of $8.0 million and $22.0 million as of March 31, 2018 and December 31, 2018, respectively. The Credit Agreement provides for a revolving credit line with interest on borrowings under the facility at prime rate plus 1.00%. In addition, the 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 Credit Agreement of $1.2 million, $8.0 million and $1.6 million as of March 31, 2019 and 2018 and December 31, 2018, respectively. The 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 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 Credit Agreement contains standard financial covenants for a facility of this type based on a leverage ratio and a fixed charge coverage ratio. The 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. 9.75% Senior Unsecured Notes Due 2021 On May 30, 2014, the Company issued and sold $500.0 million in aggregate principal amount of 9.75% Senior Notes due 2021. The 2021 Senior Notes bore 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 2021 Senior Notes were sold at a discount of the principal amount to yield 10.0% to maturity and would have matured on June 1, 2021. During the year ended December 31, 2018 the Company repurchased the remaining $345.0 million of principal amount of the 2021 Senior Notes, which included $50.0 million principal amount of the 2021 Senior Notes for aggregate cash consideration of $53.7 million plus accrued interest during the three months ended March 31, 2018. During the three months ended March 31, 2018 the Company recorded a loss on extinguishment of debt of approximately $4.7 million ($3.7 million net of tax), which is included in “Loss on early extinguishment of debt” in the consolidated statements of income.

Income Taxes

Income Taxes	3 Months Ended
	Mar. 31, 2019
Income Tax Disclosure [Abstract]
Income Taxes	5. Income Taxes The Company’s effective tax rate for the three months ended March 31, 2019, increased to 22.5% from 20.8% for the three months ended March 31, 2018. The increase was attributable to higher nondeductible executive compensation and state taxes. As of March 31, 2019, the balance of unrecognized tax benefits was $ 41.3 ($40.7 million net of the federal benefit of state matters), which is included in “accounts payable and accrued expenses” on the consolidated balance sheet The Company had $0.1 million of unrecognized tax benefits as of March 31, 2018. The Company The Company’s U.S. tax returns are subject to examination by federal and state taxing authorities. The statute of limitations related to the Company’s consolidated Federal income tax returns is closed for all tax years up to and including 2013. The years open to examination by state, local and foreign government authorities vary by jurisdiction, but the statute of limitation is generally three years from the date the tax return is filed. For jurisdictions that have generated net operating losses, carryovers may be subject to the statute of limitations applicable for the year those carryovers are utilized. In these cases, the period for which the losses may be adjusted will extend to conform with the statute of limitations for the year in which the losses are utilized. In most circumstances, this is expected to increase the length of time that the applicable taxing authority may examine the carryovers by one year or longer, in limited cases.

Accumulated Other Comprehensive

Accumulated Other Comprehensive Loss	3 Months Ended
	Mar. 31, 2019
Equity [Abstract]
Accumulated Other Comprehensive Loss	6. Accumulated Other Comprehensive Loss The following table sets forth the components of accumulated other comprehensive loss, net of tax for the three months ended March 31, 2019 and 2018 (in thousands): Foreign currency translation gain (loss) Total Balance at December 31, 2017 $ (7,086 ) $ (7,086 ) Other comprehensive income, before reclassifications and tax 3,644 3,644 Tax impact (820 ) (820 ) Australia and Canada liquidation (1) 2,343 2,343 Tax impact (781 ) (781 ) Reclassification of certain deferred tax effects (2) (1,622 ) (1,622 ) Balance at March 31, 2018 $ (4,322 ) $ (4,322 ) Balance at December 31, 2018 $ (13,805 ) $ (13,805 ) Other comprehensive loss, before reclassifications and tax 2,054 2,054 Tax impact (500 ) (500 ) Balance at March 31, 2019 $ (12,251 ) $ (12,251 ) (1) Amount reclassified from accumulated other comprehensive loss represents the realization of foreign currency translation losses on the Company’s Australia and Canada businesses for the three months ended March 31, 2018. These amounts were recorded in “Foreign currency transaction loss” on the consolidated statements of income. See Note 1 for additional information. (2) Amount reclassified from accumulated other comprehensive loss represents stranded tax effects resulting from the newly enacted federal corporate income tax rate under the Tax Cuts and Jobs Act. The amount of the reclassification is the difference between the historical corporate income tax rate and the newly enacted 21 percent corporate income tax rate. These amounts were recorded to retained earnings on the consolidated balance sheets.

Earnings Per Share

Earnings Per Share	3 Months Ended
	Mar. 31, 2019
Earnings Per Share [Abstract]
Earnings Per Share	7. Earnings Per Share Basic earnings per share is computed by dividing net income by the weighted average number of common shares outstanding during the period. Diluted earnings per share is calculated by giving effect to the potential dilution that could occur if securities or other contracts to issue common shares were exercised and converted into common shares during the period. Restricted stock units issued under the Company’s stock-based employee compensation plans are included in diluted shares upon the granting of the awards even though the vesting of shares will occur over time. The following table sets forth the reconciliation of numerators and denominators of basic and diluted earnings per share computations for the three months ended March 31, 2019 and 2018 (in thousands, except per share amounts): Three Months Ended March 31, 2019 2018 Numerator: Net income $ 35,017 $ 27,898 Denominator: Total weighted average basic shares 33,481 33,669 Shares applicable to stock-based compensation 940 903 Total weighted average diluted shares 34,421 34,572 Earnings per share: Net income per share – basic $ 1.05 $ 0.83 Net income per share – diluted $ 1.02 $ 0.81 For the three months ended March 31, and March 31,

Operating Segment Information

Operating Segment Information	3 Months Ended
	Mar. 31, 2019
Segment Reporting [Abstract]
Operating Segment Information	8. Operating Segment Information The Company provides online financial services to non-prime 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. The Company has aggregated all components of its business into a single operating segment based on the similarities of the economic characteristics, the nature of the products and services, the nature of the production and distribution methods, the shared technology platforms, the type of customer and the nature of the regulatory environment. The following tables present information on the Company’s domestic, international operations and corporate services as of and for the three months ended March 31, 2019 and 2018 (dollars in thousands): Three Months Ended March 31, 2019 2018 Revenue Domestic $ 257,988 $ 212,966 International 35,195 41,332 Total revenue $ 293,183 $ 254,298 Income (loss) from operations Domestic $ 105,106 $ 87,759 International (7,156 ) 1,718 Corporate services (30,831 ) (27,765 ) Total income from operations $ 67,119 $ 61,712 Depreciation and amortization Domestic $ 2,208 $ 1,858 International 398 372 Corporate services 1,578 1,608 Total depreciation and amortization $ 4,184 $ 3,838 Expenditures for property and equipment Domestic $ 2,385 $ 1,990 International 912 1,068 Corporate services 1,587 291 Total expenditures for property and equipment $ 4,884 $ 3,349 March 31, 2019 2018 Property and equipment, net Domestic $ 20,538 $ 27,787 International 10,070 8,093 Corporate services 19,914 11,818 Total property and equipment, net $ 50,522 $ 47,698 Assets Domestic $ 1,098,687 $ 960,386 International 133,278 137,422 Corporate services 106,454 60,392 Total assets $ 1,338,419 $ 1,158,200 Geographic Information The following table presents the Company’s revenue by geographic region for the three months ended March 31, 2019 and 2018 (dollars in thousands): Three Months Ended March 31, 2019 2018 Revenue United States $ 257,988 $ 212,966 United Kingdom 28,745 34,989 Other international countries 6,450 6,343 Total revenue $ 293,183 $ 254,298 The Company’s long-lived assets, which consist of the Company’s property and equipment, were $50.5 million and $47.7 million at March 31, 2019 and 2018, respectively. The operations for the Company’s domestic and international businesses are primarily located within the United States, and the value of any long-lived assets located outside of the United States is immaterial.

Commitments and Contingencies

Commitments and Contingencies	3 Months Ended
	Mar. 31, 2019
Commitments And Contingencies Disclosure [Abstract]
Commitments and Contingencies	9. Commitments and Contingencies Litigation On April 23, 2018, the Commonwealth of Virginia, through Attorney General Mark R. Herring, filed a lawsuit in the Circuit Court for the County of Fairfax, Virginia against NC Financial Solutions of Utah, LLC (“NC Utah”), a subsidiary of the Company. The lawsuit alleges violations of the Virginia Consumer Protection Act (“VCPA”) relating to NC Utah’s communications with customers, collections of certain payments, its loan agreements, and the rates it charged to Virginia borrowers. The plaintiff is seeking to enjoin NC Utah from continuing its current lending practices in Virginia, restitution, civil penalties, and costs and expenses in connection with the same. Neither the likelihood of an unfavorable 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, The Company is also involved in certain routine legal proceedings, claims and 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. The Company has recorded accruals in its consolidated financial statements for those matters in which it is probable that it has incurred a loss and the amount of the loss, or range of loss, can be reasonably estimated. 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.

Derivative Instruments

Derivative Instruments	3 Months Ended
	Mar. 31, 2019
Derivative Instruments And Hedging Activities Disclosure [Abstract]
Derivative Instruments	10 . Derivative Instruments The Company periodically uses derivative instruments to manage risk from changes in market conditions that may affect the Company’s financial performance. The Company 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 and Brazil. 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 loss” in the Company’s consolidated statements of income. As of March 31, 2019, 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 March 31, 2019 and 2018 and December 31, 2018. The following table presents information on the effect of derivative instruments on the consolidated results of operations and accumulated other comprehensive income (“AOCI”) for the three months ended March 31, 2019 and 2018 (dollars in thousands): Gains (Losses) Gains (Losses) Recognized in Gains (Losses) Reclassified From Income Recognized in AOCI AOCI into Income Three Months Ended Three Months Ended Three Months Ended March 31, March 31, March 31, 2019 2018 2019 2018 2019 2018 Non-designated derivatives: Forward currency exchange contracts (1) $ — $ 243 $ — $ — $ — $ — Total $ — $ 243 $ — $ — $ — $ — (1) The gains (losses) on these derivatives substantially offset the (losses) gains on the economically hedged portion of the foreign intercompany balances.

Related Party Transactions

Related Party Transactions	3 Months Ended
	Mar. 31, 2019
Related Party Transactions [Abstract]
Related Party Transactions	11. Related Party Transactions The Company has an agreement for direct mail production and fulfillment services with a marketing services company where David Fisher, the Company’s Chief Executive Officer and Chairman of the Board, also serves as a member of the marketing services company’s board of directors. During the three months ended March 31, 2019 and 2018, the Company incurred $2.6 million and $2.8 million, respectively, in expenses related to these services. As of March 31, 2019 and 2018, the Company owed the agency $2.4 million and $0.7 million, respectively, related to services provided. The Company believes that the transaction described above has been provided on terms no less favorable to the Company than could have been negotiated with non-affiliated third parties.

Variable Interest Entities

Variable Interest Entities	3 Months Ended
	Mar. 31, 2019
Variable Interest Entities [Abstract]
Variable Interest Entities	12. Variable Interest Entities As part of the Company’s overall funding strategy and as part of its efforts to support its liquidity from sources other than its traditional capital market sources, the Company has established a securitization program through several securitization facilities. The Company transferred certain consumer loan receivables to VIEs which issue notes backed by the underlying consumer loan receivables and are serviced by another wholly owned subsidiary of the Company. The cash flows from the loans held by the VIEs are used to repay obligations under the notes. 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.

Fair Value Measurements

Fair Value Measurements	3 Months Ended
	Mar. 31, 2019
Fair Value Disclosures [Abstract]
Fair Value Measurements	13. Fair Value Measurements Recurring Fair Value Measurements In accordance with ASC 820, Fair Value Measurements and Disclosures, certain of the Company’s assets and liabilities, which are carried at fair value, are classified in one of the following three categories: Level 1: Quoted market prices in active markets for identical assets or liabilities. Level 2: Observable market based inputs or unobservable inputs that are corroborated by market data. Level 3: Unobservable inputs that are not corroborated by market data. During the three months ended March 31, 2019 and 2018, there were no transfers of assets or liabilities in or out of Level 1, Level 2 or Level 3 fair value measurements. It is the Company’s policy to value any transfers between levels of the fair value hierarchy based on end of period fair values. The Company’s financial assets and liabilities that are measured at fair value on a recurring basis as of March 31, 2019 and 2018 and December 31, 2018 are as follows (dollars in thousands): March 31, Fair Value Measurements Using 2019 Level 1 Level 2 Level 3 Financial assets: Non-qualified savings plan assets (1) $ 2,683 $ 2,683 $ — $ — Total $ 2,683 $ 2,683 $ — $ — March 31, Fair Value Measurements Using 2018 Level 1 Level 2 Level 3 Financial assets: Non-qualified savings plan assets (1) $ 2,079 $ 2,079 $ — $ — Total $ 2,079 $ 2,079 $ — $ — December 31, Fair Value Measurements Using 2018 Level 1 Level 2 Level 3 Financial assets: Non-qualified savings plan assets (1) 2,052 2,052 — — Total $ 2,052 $ 2,052 $ — $ — (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 on a Non-Recurring Basis The Company measures non-financial assets and liabilities such as property and equipment and intangible assets at fair value on a non-recurring basis or when events or circumstances indicate that the carrying amount of the assets may be impaired. At March 31, Financial Assets and Liabilities Not Measured at Fair Value The Company’s financial assets and liabilities as of March 31, 2019 and 2018 and December 31, 2018 that are not measured at fair value in the consolidated balance sheets are as follows (dollars in thousands): Balance at March 31, Fair Value Measurements Using 2019 Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents $ 92,829 $ 92,829 $ — $ — Short-term loans and line of credit accounts, net (1) 211,347 — — 211,347 Installment loans and RPAs, net (1)(3) 604,509 — — 636,932 Restricted cash (4) 25,391 25,391 — — Investment in unconsolidated investee (2) 6,703 — — 6,703 Total $ 940,779 $ 118,220 $ — $ 854,982 Financial liabilities: Liability for estimated losses on consumer loans guaranteed by the Company $ 1,264 $ — $ — $ 1,264 Securitization notes 181,000 — 181,365 — 8.50% senior notes due 2024 250,000 — 235,915 — 8.50% senior notes due 2025 375,000 — 350,593 — Total $ 807,264 $ — $ 767,873 $ 1,264 Balance at March 31, Fair Value Measurements Using 2018 Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents $ 69,900 $ 69,900 $ — $ — Short-term loans and line of credit accounts, net (1) 180,525 — — 180,525 Installment loans and RPAs, net (1)(3) 522,551 — — 551,001 Restricted cash (4) 34,765 34,765 — — Investment in unconsolidated investee (2) 6,703 — — 6,703 Total $ 814,444 $ 104,665 $ — $ 738,229 Financial liabilities: Liability for estimated losses on consumer loans guaranteed by the Company $ 1,410 $ — $ — $ 1,410 Promissory note 3,000 — — 3,327 Revolving line of credit 8,000 — — 8,000 Securitization notes 217,125 — 220,066 — 9.75% senior notes due 2021 293,044 — 306,260 — 8.50% senior notes due 2024 250,000 — 261,250 — Total $ 772,579 $ — $ 787,576 $ 12,737 Balance at December 31, Fair Value Measurements Using 2018 Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents $ 52,917 $ 52,917 $ — $ — Short-term loans and line of credit accounts, net (1) 222,860 — — 222,860 Installment loans and RPAs, net (1)(3) 637,086 — — 670,888 Restricted cash (4) 24,342 24,342 — — Investment in unconsolidated investee (2) 6,703 — — 6,703 Total $ 943,908 $ 77,259 $ — $ 900,451 Financial liabilities: Liability for estimated losses on consumer loans guaranteed by the Company $ 2,166 $ — $ — $ 2,166 Revolving line of credit 22,000 — — 22,000 Securitization notes 227,288 — 225,474 — 8.50% senior notes due 2024 250,000 — 212,500 — 8.50% senior notes due 2025 375,000 — 306,563 — Total $ 876,454 $ — $ 744,537 $ 24,166 (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) Installment loan and RPAs, net include $280.7 million, $278.3 million and $319.0 million in net assets of consolidated VIEs as of March 31, 2019 and 2018 and December 31, 2018, respectively. (4) Restricted cash includes $23.2 million, $26.7 million and $22.2 million in assets of consolidated VIEs as of March 31, 2019 and 2018 and December 31, 2018, respectively. Cash and cash equivalents and restricted cash bear interest at market rates and have 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. 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. 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 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 its revolving line of credit using Level 3 inputs. The Company considered the fair value of its other long-term debt and the timing of expected payment(s). The fair values of the Company’s Securitization Notes and senior notes are estimated based on quoted prices in markets that are not active, which are deemed Level 2 inputs. The fair value of the Promissory Note was estimated using a discounted cash flow analysis, which is deemed Level 3.

Subsequent Events

Subsequent Events	3 Months Ended
	Mar. 31, 2019
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 Polici_2

Significant Accounting Policies (Policies)	3 Months Ended
	Mar. 31, 2019
Accounting Policies [Abstract]
Basis of Presentation	Basis of Presentation The consolidated financial statements of the Company reflect the historical results of operations and cash flows of the Company during each respective period. The consolidated financial statements include goodwill and intangible assets arising from businesses previously acquired. The financial information included herein may not be indicative of the consolidated financial position, operating results, changes in stockholders’ equity and cash flows of the Company in the future. Intercompany transactions are eliminated. 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 consolidated financial statements presented as of March 31, 2019 and 2018 and for the three-month periods ended March 31, 2019 and 2018 are unaudited but, in management’s opinion, include all adjustments, consisting only of normal recurring adjustments, necessary for a fair statement of the results for such interim periods. Operating results for the three-month period are not necessarily indicative of the results that may be expected for the full fiscal year. These consolidated financial statements and related notes should be read in conjunction with the Company’s audited consolidated financial statements as of December 31, 2018 and 2017 and for the years ended December 31, 2018, 2017 and 2016 and related notes, which are included on Form 10-K filed with the SEC on February 27, 2019.
Cash, Cash Equivalents and Restricted Cash	Cash, Cash Equivalents and Restricted Cash The following table provides a reconciliation of cash, cash equivalents and restricted cash to amounts reported within the consolidated balance sheet (in thousands): March 31, 2019 2018 Cash and cash equivalents $ 92,829 $ 69,900 Restricted cash 25,391 34,765 Total cash, cash equivalents and restricted cash $ 118,220 $ 104,665
Reclassification of Accumulated Other Comprehensive Income to Net Income	Reclassification of Accumulated Other Comprehensive Income to Net Income In May 2009 and October 2009, the Company began providing services in Australia and Canada under the brand name DollarsDirect. Due to the small size of the Australian and Canadian markets and our limited operations there, we decided to exit those markets in 2016 and reallocate our resources to our other existing businesses. As a result, we stopped originating loans in those countries and have wound down our loan portfolios. During the quarter ended March 31, 2018, the Company continued the liquidation process of the legal entities related to Australia and Canada and recorded a $2.3 million loss to “Foreign currency transaction loss” in the consolidated statements of income to recognize the cumulative translation adjustment balance that had been previously recorded to “Accumulated other comprehensive loss” on the consolidated balance sheets.
Adopted Accounting Standards	Adopted In February 2016, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) 2016‑02, Leases (Topic 842) Leases (Topic 842): Targeted Improvements Leases (Topic 842): Codification Improvements Accounting Changes and Error Corrections The Company adopted ASU 2016‑02 and ASU 2019‑01 on January 1, 2019 and elected the optional transition method permitted by ASU 2018‑11. The Company elected the package of transition practical expedients, which allows it to not reassess whether any expired or existing contracts are or contain leases and to not reassess the lease classification for existing or expired leases. The Company also elected the practical expedient to not separate lease and associated non-lease components and the short-term lease exception. The following table sets forth the impact of adoption as of January 1, 2019 (in thousands): Increase (decrease) Assets Other receivables and prepaid expenses $ (35 ) Operating lease right-of-use assets 22,332 Total assets $ 22,297 Liabilities and Stockholders' Equity Accounts payable and accrued expenses $ (16,860 ) Operating lease liabilities 39,605 Deferred tax liabilities, net (102 ) Total liabilities 22,643 Stockholders' equity: Retained earnings (346 ) Total stockholders' equity (346 ) Total liabilities and stockholders' equity $ 22,297 Accounting Standards to be Adopted in Future Periods In August 2018, the FASB issued ASU 2018‑15, Customer's Accounting for Implementation Costs Incurred in a Cloud Computing Arrangement that is a Service Contract In January 2017, the FASB issued ASU 2017‑04, Intangibles – Goodwill and Other (Topic 350) – Simplifying the Test for Goodwill Impairment In June 2016, the FASB issued ASU 2016‑13, Measurement of Credit Losses on Financial Instruments
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. Through its CSO programs, the Company provides services related to third-party lenders’ short-term and installment consumer loan products by acting as a credit services organization or credit access business on behalf of consumers in accordance with applicable state laws. 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 and 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 and Brazil. 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 loss” in the Company’s consolidated statements of income. As of March 31, 2019, 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.

Significant Accounting Polici_3

Significant Accounting Policies (Tables)	3 Months Ended
	Mar. 31, 2019
Accounting Policies [Abstract]
Schedule of Reconciliation of Cash, Cash Equivalents and Restricted Cash	The following table provides a reconciliation of cash, cash equivalents and restricted cash to amounts reported within the consolidated balance sheet (in thousands): March 31, 2019 2018 Cash and cash equivalents $ 92,829 $ 69,900 Restricted cash 25,391 34,765 Total cash, cash equivalents and restricted cash $ 118,220 $ 104,665
Summary of Impact of Adoption ASU 2016-02	Increase (decrease) Assets Other receivables and prepaid expenses $ (35 ) Operating lease right-of-use assets 22,332 Total assets $ 22,297 Liabilities and Stockholders' Equity Accounts payable and accrued expenses $ (16,860 ) Operating lease liabilities 39,605 Deferred tax liabilities, net (102 ) Total liabilities 22,643 Stockholders' equity: Retained earnings (346 ) Total stockholders' equity (346 ) Total liabilities and stockholders' equity $ 22,297

Loans and Finance Receivables_2

Loans and Finance Receivables, Credit Quality Information and Allowances and Liabilities for Estimated Losses on Loans and Finance Receivables (Tables)	3 Months Ended
	Mar. 31, 2019
Receivables [Abstract]
Schedule of Revenue Generated from Loans and Finance Receivables	Revenue generated from the Company’s loans and finance receivables for the three months ended March 31, 2019 and 2018 was as follows (dollars in thousands): Three Months Ended March 31, 2019 2018 Short-term loans $ 46,325 $ 53,375 Line of credit accounts 104,483 78,309 Installment loans and RPAs 142,062 122,108 Total loans and finance receivables revenue 292,870 253,792 Other 313 506 Total revenue $ 293,183 $ 254,298
Components of Company-Owned Loans and Finance Receivables	The components of Company-owned loans and finance receivables at March 31, 2019 and 2018 and December 31, 2018 were as follows (dollars in thousands): As of March 31, 2019 Short-term Line of Credit Installment Loans and Loans Accounts RPAs Total Current receivables $ 27,872 $ 207,395 $ 636,278 $ 871,545 Delinquent receivables: Delinquent payment amounts (1) — 8,500 2,600 11,100 Receivables on non-accrual status 21,276 3,084 50,252 74,612 Total delinquent receivables 21,276 11,584 52,852 85,712 Total loans and finance receivables, gross 49,148 218,979 689,130 957,257 Less: Allowance for losses (15,418 ) (41,362 ) (84,621 ) (141,401 ) Loans and finance receivables, net $ 33,730 $ 177,617 $ 604,509 $ 815,856 As of March 31, 2018 Short-term Line of Credit Installment Loans and Loans Accounts RPAs Total Current receivables $ 39,339 $ 152,114 $ 543,435 $ 734,888 Delinquent receivables: Delinquent payment amounts (1) — 6,624 2,143 8,767 Receivables on non-accrual status 26,519 2,185 45,000 73,704 Total delinquent receivables 26,519 8,809 47,143 82,471 Total loans and finance receivables, gross 65,858 160,923 590,578 817,359 Less: Allowance for losses (19,136 ) (27,120 ) (68,027 ) (114,283 ) Loans and finance receivables, net $ 46,722 $ 133,803 $ 522,551 $ 703,076 As of December 31, 2018 Short-term Line of Credit Installment Loans and Loans Accounts RPAs Total Current receivables $ 37,558 $ 213,896 $ 672,538 $ 923,992 Delinquent receivables: Delinquent payment amounts (1) — 10,783 2,696 13,479 Receivables on non-accrual status 30,167 2,884 52,732 85,783 Total delinquent receivables 30,167 13,667 55,428 99,262 Total loans and finance receivables, gross 67,725 227,563 727,966 1,023,254 Less: Allowance for losses (21,420 ) (51,008 ) (90,880 ) (163,308 ) Loans and finance receivables, net $ 46,305 $ 176,555 $ 637,086 $ 859,946 (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 months ended March 31, 2019 and 2018 were as follows (dollars in thousands): Three Months Ended March 31, 2019 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 $ 21,420 $ 51,008 $ 90,880 $ 163,308 Cost of revenue 17,948 37,739 84,260 139,947 Charge-offs (29,476 ) (51,222 ) (111,840 ) (192,538 ) Recoveries 5,375 3,837 21,076 30,288 Effect of foreign currency translation 151 — 245 396 Balance at end of period $ 15,418 $ 41,362 $ 84,621 $ 141,401 Liability for third-party lender-owned loans: Balance at beginning of period $ 1,964 $ — $ 202 $ 2,166 Decrease in liability (858 ) — (44 ) (902 ) Balance at end of period $ 1,106 $ — $ 158 $ 1,264 Three Months Ended March 31, 2018 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 $ 19,917 $ 31,148 $ 71,979 $ 123,044 Cost of revenue 21,167 25,383 62,851 109,401 Charge-offs (28,485 ) (32,807 ) (81,206 ) (142,498 ) Recoveries 6,272 3,396 14,125 23,793 Effect of foreign currency translation 265 — 278 543 Balance at end of period $ 19,136 $ 27,120 $ 68,027 $ 114,283 Liability for third-party lender-owned loans: Balance at beginning of period $ 2,105 $ — $ 153 $ 2,258 Increase in liability (844 ) — (4 ) (848 ) Balance at end of period $ 1,261 $ — $ 149 $ 1,410

Leases (Tables)

Leases (Tables)	3 Months Ended
	Mar. 31, 2019
Leases [Abstract]
Lease Expenses	Lease expenses for the three months ended March 31, 2019 were as follows (in thousands): Three Months Ended March 31, 2019 Operating lease cost $ 1,574 Operating lease impairment charge 370 Variable lease cost 58 Short-term lease cost 15 Total lease cost $ 2,017
Future Minimum Lease Payments	Future minimum lease payments as of March 31, 2019 are as follows (in thousands): Year Amount 2019 $ 5,779 2020 7,438 2021 7,361 2022 7,019 2023 7,119 Thereafter 23,464 Total lease payments $ 58,180 Less: interest 19,449 Present value of lease liabilities $ 38,731
Weighted-Average Remaining Lease Term and Discount Rate	The weighted-average remaining lease term and discount rate as of March 31, 2019 were as follows: March 31, 2019 Weighted-average remaining lease term (years) Operating leases 7.8 Weighted-average discount rate Operating leases 10.76 %
Supplemental Cash Flow Disclosures Related to Leases	Supplemental cash flow disclosures related to leases for the three months ended March 31, 2019 were as follows (in thousands): Three Months Ended March 31, 2019 Cash paid for amounts included in the measurement of lease liabilities Operating cash flows from operating leases $ 1,938

Long-term Debt (Tables)

Long-term Debt (Tables)	3 Months Ended
	Mar. 31, 2019
Debt Disclosure [Abstract]
Summary of Long-Term Debt Instruments and Balances Outstanding	The Company’s long-term debt instruments and balances outstanding as of March 31, 2019 and 2018 and December 31, 2018 were as follows (dollars in thousands): March 31, December 31, 2019 2018 2018 Securitization notes $ 181,000 $ 217,125 $ 227,288 Revolving line of credit — 8,000 22,000 9.75% senior notes due 2021 — 293,044 — 8.50% senior notes due 2024 250,000 250,000 250,000 8.50% senior notes due 2025 375,000 — 375,000 Subtotal 806,000 768,169 874,288 Less: Long-term debt issuance costs (14,092 ) (13,519 ) (16,359 ) Total long-term debt $ 791,908 $ 754,650 $ 857,929

Accumulated Other Comprehensi_2

Accumulated Other Comprehensive Loss (Tables)	3 Months Ended
	Mar. 31, 2019
Equity [Abstract]
Schedule of Components of Accumulated Other Comprehensive Income (Loss), Net of Tax	The following table sets forth the components of accumulated other comprehensive loss, net of tax for the three months ended March 31, 2019 and 2018 (in thousands): Foreign currency translation gain (loss) Total Balance at December 31, 2017 $ (7,086 ) $ (7,086 ) Other comprehensive income, before reclassifications and tax 3,644 3,644 Tax impact (820 ) (820 ) Australia and Canada liquidation (1) 2,343 2,343 Tax impact (781 ) (781 ) Reclassification of certain deferred tax effects (2) (1,622 ) (1,622 ) Balance at March 31, 2018 $ (4,322 ) $ (4,322 ) Balance at December 31, 2018 $ (13,805 ) $ (13,805 ) Other comprehensive loss, before reclassifications and tax 2,054 2,054 Tax impact (500 ) (500 ) Balance at March 31, 2019 $ (12,251 ) $ (12,251 ) (1) Amount reclassified from accumulated other comprehensive loss represents the realization of foreign currency translation losses on the Company’s Australia and Canada businesses for the three months ended March 31, 2018. These amounts were recorded in “Foreign currency transaction loss” on the consolidated statements of income. See Note 1 for additional information. (2) Amount reclassified from accumulated other comprehensive loss represents stranded tax effects resulting from the newly enacted federal corporate income tax rate under the Tax Cuts and Jobs Act. The amount of the reclassification is the difference between the historical corporate income tax rate and the newly enacted 21 percent corporate income tax rate. These amounts were recorded to retained earnings on the consolidated balance sheets.

Earnings Per Share (Tables)

Earnings Per Share (Tables)	3 Months Ended
	Mar. 31, 2019
Earnings Per Share [Abstract]
Schedule of Reconciliation of Numerators and Denominators of Basic and Diluted Earnings per Share Computations	The following table sets forth the reconciliation of numerators and denominators of basic and diluted earnings per share computations for the three months ended March 31, 2019 and 2018 (in thousands, except per share amounts): Three Months Ended March 31, 2019 2018 Numerator: Net income $ 35,017 $ 27,898 Denominator: Total weighted average basic shares 33,481 33,669 Shares applicable to stock-based compensation 940 903 Total weighted average diluted shares 34,421 34,572 Earnings per share: Net income per share – basic $ 1.05 $ 0.83 Net income per share – diluted $ 1.02 $ 0.81

Operating Segment Information (

Operating Segment Information (Tables)	3 Months Ended
	Mar. 31, 2019
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 months ended March 31, 2019 and 2018 (dollars in thousands): Three Months Ended March 31, 2019 2018 Revenue Domestic $ 257,988 $ 212,966 International 35,195 41,332 Total revenue $ 293,183 $ 254,298 Income (loss) from operations Domestic $ 105,106 $ 87,759 International (7,156 ) 1,718 Corporate services (30,831 ) (27,765 ) Total income from operations $ 67,119 $ 61,712 Depreciation and amortization Domestic $ 2,208 $ 1,858 International 398 372 Corporate services 1,578 1,608 Total depreciation and amortization $ 4,184 $ 3,838 Expenditures for property and equipment Domestic $ 2,385 $ 1,990 International 912 1,068 Corporate services 1,587 291 Total expenditures for property and equipment $ 4,884 $ 3,349 March 31, 2019 2018 Property and equipment, net Domestic $ 20,538 $ 27,787 International 10,070 8,093 Corporate services 19,914 11,818 Total property and equipment, net $ 50,522 $ 47,698 Assets Domestic $ 1,098,687 $ 960,386 International 133,278 137,422 Corporate services 106,454 60,392 Total assets $ 1,338,419 $ 1,158,200
Summary of Company's Revenue by Geographical Region	The following table presents the Company’s revenue by geographic region for the three months ended March 31, 2019 and 2018 (dollars in thousands): Three Months Ended March 31, 2019 2018 Revenue United States $ 257,988 $ 212,966 United Kingdom 28,745 34,989 Other international countries 6,450 6,343 Total revenue $ 293,183 $ 254,298

Derivative Instruments (Tables)

Derivative Instruments (Tables)	3 Months Ended
	Mar. 31, 2019
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 (“AOCI”) for the three months ended March 31, 2019 and 2018 (dollars in thousands): Gains (Losses) Gains (Losses) Recognized in Gains (Losses) Reclassified From Income Recognized in AOCI AOCI into Income Three Months Ended Three Months Ended Three Months Ended March 31, March 31, March 31, 2019 2018 2019 2018 2019 2018 Non-designated derivatives: Forward currency exchange contracts (1) $ — $ 243 $ — $ — $ — $ — Total $ — $ 243 $ — $ — $ — $ — (1) The gains (losses) on these derivatives substantially offset the (losses) gains on the economically hedged portion of the foreign intercompany balances.

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	3 Months Ended
	Mar. 31, 2019
Fair Value Disclosures [Abstract]
Fair Value Assets and Liabilities Measured on Recurring Basis	The Company’s financial assets and liabilities that are measured at fair value on a recurring basis as of March 31, 2019 and 2018 and December 31, 2018 are as follows (dollars in thousands): March 31, Fair Value Measurements Using 2019 Level 1 Level 2 Level 3 Financial assets: Non-qualified savings plan assets (1) $ 2,683 $ 2,683 $ — $ — Total $ 2,683 $ 2,683 $ — $ — March 31, Fair Value Measurements Using 2018 Level 1 Level 2 Level 3 Financial assets: Non-qualified savings plan assets (1) $ 2,079 $ 2,079 $ — $ — Total $ 2,079 $ 2,079 $ — $ — December 31, Fair Value Measurements Using 2018 Level 1 Level 2 Level 3 Financial assets: Non-qualified savings plan assets (1) 2,052 2,052 — — Total $ 2,052 $ 2,052 $ — $ — (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.
Financial Assets and Liabilities Not Measured at Fair Value	The Company’s financial assets and liabilities as of March 31, 2019 and 2018 and December 31, 2018 that are not measured at fair value in the consolidated balance sheets are as follows (dollars in thousands): Balance at March 31, Fair Value Measurements Using 2019 Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents $ 92,829 $ 92,829 $ — $ — Short-term loans and line of credit accounts, net (1) 211,347 — — 211,347 Installment loans and RPAs, net (1)(3) 604,509 — — 636,932 Restricted cash (4) 25,391 25,391 — — Investment in unconsolidated investee (2) 6,703 — — 6,703 Total $ 940,779 $ 118,220 $ — $ 854,982 Financial liabilities: Liability for estimated losses on consumer loans guaranteed by the Company $ 1,264 $ — $ — $ 1,264 Securitization notes 181,000 — 181,365 — 8.50% senior notes due 2024 250,000 — 235,915 — 8.50% senior notes due 2025 375,000 — 350,593 — Total $ 807,264 $ — $ 767,873 $ 1,264 Balance at March 31, Fair Value Measurements Using 2018 Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents $ 69,900 $ 69,900 $ — $ — Short-term loans and line of credit accounts, net (1) 180,525 — — 180,525 Installment loans and RPAs, net (1)(3) 522,551 — — 551,001 Restricted cash (4) 34,765 34,765 — — Investment in unconsolidated investee (2) 6,703 — — 6,703 Total $ 814,444 $ 104,665 $ — $ 738,229 Financial liabilities: Liability for estimated losses on consumer loans guaranteed by the Company $ 1,410 $ — $ — $ 1,410 Promissory note 3,000 — — 3,327 Revolving line of credit 8,000 — — 8,000 Securitization notes 217,125 — 220,066 — 9.75% senior notes due 2021 293,044 — 306,260 — 8.50% senior notes due 2024 250,000 — 261,250 — Total $ 772,579 $ — $ 787,576 $ 12,737 Balance at December 31, Fair Value Measurements Using 2018 Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents $ 52,917 $ 52,917 $ — $ — Short-term loans and line of credit accounts, net (1) 222,860 — — 222,860 Installment loans and RPAs, net (1)(3) 637,086 — — 670,888 Restricted cash (4) 24,342 24,342 — — Investment in unconsolidated investee (2) 6,703 — — 6,703 Total $ 943,908 $ 77,259 $ — $ 900,451 Financial liabilities: Liability for estimated losses on consumer loans guaranteed by the Company $ 2,166 $ — $ — $ 2,166 Revolving line of credit 22,000 — — 22,000 Securitization notes 227,288 — 225,474 — 8.50% senior notes due 2024 250,000 — 212,500 — 8.50% senior notes due 2025 375,000 — 306,563 — Total $ 876,454 $ — $ 744,537 $ 24,166 (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) Installment loan and RPAs, net include $280.7 million, $278.3 million and $319.0 million in net assets of consolidated VIEs as of March 31, 2019 and 2018 and December 31, 2018, respectively. (4) Restricted cash includes $23.2 million, $26.7 million and $22.2 million in assets of consolidated VIEs as of March 31, 2019 and 2018 and December 31, 2018, respectively.

Significant Accounting Polici_4

Significant Accounting Policies - Schedule of Reconciliation of Cash, Cash Equivalents and Restricted Cash (Detail) - USD ($) $ in Thousands		Mar. 31, 2019	Dec. 31, 2018	Mar. 31, 2018	Dec. 31, 2017
Accounting Policies [Abstract]
Cash and cash equivalents	[1]	$ 92,829	$ 52,917	$ 69,900
Restricted cash	[1]	25,391	24,342	34,765
Total cash, cash equivalents and restricted cash		$ 118,220	$ 77,259	$ 104,665	$ 98,144
[1]	Includes amounts in wholly owned, bankruptcy-remote special purpose subsidiaries (“VIEs”) presented separately in the table below.

Significant Accounting Polici_5

Significant Accounting Policies - Additional Information (Detail) $ in Millions	3 Months Ended
	Mar. 31, 2018USD ($)
Australia and Canada
Significant Accounting Policies [Line Items]
Foreign currency translation loss	$ 2.3

Significant Accounting Polici_6

Significant Accounting Policies -Summary of Impact of Adoption ASU 2016-02 (Detail) - USD ($) $ in Thousands		Mar. 31, 2019	Dec. 31, 2018	Mar. 31, 2018	Dec. 31, 2017
Assets
Other receivables and prepaid expenses	[1]	$ 29,354	$ 29,983	$ 22,164
Operating lease right-of-use assets		21,453
Total assets		1,338,419	1,328,185	1,158,200
Liabilities and Stockholders' Equity
Accounts payable and accrued expenses	[1]	87,434	89,317	70,473
Operating lease liabilities		38,731
Deferred tax liabilities, net		41,132	33,171	17,087
Total liabilities		959,205	980,417	842,467
Stockholders' equity:
Retained earnings		(371,086)	(336,415)	(294,215)
Total stockholders' equity		(379,214)	(347,768)	(315,733)	$ (281,687)
Total liabilities and stockholders' equity		1,338,419	$ 1,328,185	$ 1,158,200
ASU 2016-02 | Adjustments
Assets
Other receivables and prepaid expenses		(35)
Operating lease right-of-use assets		22,332
Total assets		22,297
Liabilities and Stockholders' Equity
Accounts payable and accrued expenses		(16,860)
Operating lease liabilities		39,605
Deferred tax liabilities, net		(102)
Total liabilities		22,643
Stockholders' equity:
Retained earnings		(346)
Total stockholders' equity		(346)
Total liabilities and stockholders' equity		$ 22,297
[1]	Includes amounts in wholly owned, bankruptcy-remote special purpose subsidiaries (“VIEs”) presented separately in the table below.

Loans and Finance Receivables_3

Loans and Finance Receivables, Credit Quality Information and Allowances and Liabilities for Estimated Losses on Loans and Finance Receivables - Schedule of Revenue Generated from Loans and Finance Receivables (Detail) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Accounts Notes And Loans Receivable [Line Items]
Total loans and finance receivables revenue	$ 292,870	$ 253,792
Other	313	506
Total revenue	293,183	254,298
Short-term Loans
Accounts Notes And Loans Receivable [Line Items]
Total loans and finance receivables revenue	46,325	53,375
Line of Credit Accounts
Accounts Notes And Loans Receivable [Line Items]
Total loans and finance receivables revenue	104,483	78,309
Installment Loans and RPAs
Accounts Notes And Loans Receivable [Line Items]
Total loans and finance receivables revenue	$ 142,062	$ 122,108

Loans and Finance Receivables_4

Loans and Finance Receivables, Credit Quality Information and Allowances and Liabilities for Estimated Losses on Loans and Finance Receivables - Additional Information (Detail) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2019	Dec. 31, 2018	Mar. 31, 2018
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	$ 22.3	$ 29.7	$ 26.6
Accrual for losses on consumer loan guaranty obligations	$ 1.3	$ 2.2	$ 1.4
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 Receivables_5

Loans and Finance Receivables, Credit Quality Information and Allowances and Liabilities for Estimated Losses on Loans and Finance Receivables - Components of Company-Owned Loans and Finance Receivables (Detail) - USD ($) $ in Thousands		Mar. 31, 2019	Dec. 31, 2018	Mar. 31, 2018	Dec. 31, 2017
Accounts Notes And Loans Receivable [Line Items]
Current receivables		$ 871,545	$ 923,992	$ 734,888
Delinquent payment amounts	[1]	11,100	13,479	8,767
Receivables on non-accrual status		74,612	85,783	73,704
Total delinquent receivables		85,712	99,262	82,471
Total loans and finance receivables, gross		957,257	1,023,254	817,359
Less: Allowance for losses		(141,401)	(163,308)	(114,283)	$ (123,044)
Loans and finance receivables, net	[2]	815,856	859,946	703,076
Short-term Loans
Accounts Notes And Loans Receivable [Line Items]
Current receivables		27,872	37,558	39,339
Receivables on non-accrual status		21,276	30,167	26,519
Total delinquent receivables		21,276	30,167	26,519
Total loans and finance receivables, gross		49,148	67,725	65,858
Less: Allowance for losses		(15,418)	(21,420)	(19,136)	(19,917)
Loans and finance receivables, net		33,730	46,305	46,722
Line of Credit Accounts
Accounts Notes And Loans Receivable [Line Items]
Current receivables		207,395	213,896	152,114
Delinquent payment amounts	[1]	8,500	10,783	6,624
Receivables on non-accrual status		3,084	2,884	2,185
Total delinquent receivables		11,584	13,667	8,809
Total loans and finance receivables, gross		218,979	227,563	160,923
Less: Allowance for losses		(41,362)	(51,008)	(27,120)	(31,148)
Loans and finance receivables, net		177,617	176,555	133,803
Installment Loans and RPAs
Accounts Notes And Loans Receivable [Line Items]
Current receivables		636,278	672,538	543,435
Delinquent payment amounts	[1]	2,600	2,696	2,143
Receivables on non-accrual status		50,252	52,732	45,000
Total delinquent receivables		52,852	55,428	47,143
Total loans and finance receivables, gross		689,130	727,966	590,578
Less: Allowance for losses		(84,621)	(90,880)	(68,027)	$ (71,979)
Loans and finance receivables, net		$ 604,509	$ 637,086	$ 522,551
[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.
[2]	Includes amounts in wholly owned, bankruptcy-remote special purpose subsidiaries (“VIEs”) presented separately in the table below.

Loans and Finance Receivables_6

Loans and Finance Receivables, Credit Quality Information and Allowances and Liabilities for Estimated Losses on Loans and Finance Receivables - Schedule of Changes in Allowance for Losses (Detail) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Allowance for losses for Company-owned loans and finance receivables
Balance at beginning of period	$ 163,308	$ 123,044
Cost of revenue	139,947	109,401
Charge-offs	(192,538)	(142,498)
Recoveries	30,288	23,793
Effect of foreign currency translation	396	543
Balance at end of period	141,401	114,283
Liability for third-party lender-owned loans
Balance at beginning of period	2,166	2,258
(Decrease) increase in liability	(902)	(848)
Balance at end of period	1,264	1,410
Short-term Loans
Allowance for losses for Company-owned loans and finance receivables
Balance at beginning of period	21,420	19,917
Cost of revenue	17,948	21,167
Charge-offs	(29,476)	(28,485)
Recoveries	5,375	6,272
Effect of foreign currency translation	151	265
Balance at end of period	15,418	19,136
Liability for third-party lender-owned loans
Balance at beginning of period	1,964	2,105
(Decrease) increase in liability	(858)	(844)
Balance at end of period	1,106	1,261
Line of Credit Accounts
Allowance for losses for Company-owned loans and finance receivables
Balance at beginning of period	51,008	31,148
Cost of revenue	37,739	25,383
Charge-offs	(51,222)	(32,807)
Recoveries	3,837	3,396
Balance at end of period	41,362	27,120
Installment Loans and RPAs
Allowance for losses for Company-owned loans and finance receivables
Balance at beginning of period	90,880	71,979
Cost of revenue	84,260	62,851
Charge-offs	(111,840)	(81,206)
Recoveries	21,076	14,125
Effect of foreign currency translation	245	278
Balance at end of period	84,621	68,027
Liability for third-party lender-owned loans
Balance at beginning of period	202	153
(Decrease) increase in liability	(44)	(4)
Balance at end of period	$ 158	$ 149

Leases - Additional Information

Leases - Additional Information (Detail)	3 Months Ended
	Mar. 31, 2019
Lessee Lease Description [Line Items]
Option to extend, existence, operating lease	true
Option to extend, description, operating lease	Certain leases include options to extend the leases for up to five years
Option to terminate, existence, operating lease	true
Option to terminate, description, operating lease	while others include options to terminate the leases within one year
Option to terminate, operating lease, term	1 year
Minimum
Lessee Lease Description [Line Items]
Operating leases, remaining lease term	1 year
Maximum
Lessee Lease Description [Line Items]
Operating leases, remaining lease term	9 years
Option to extend, operating lease, term	5 years

Leases - Lease Expenses (Detail

Leases - Lease Expenses (Detail) $ in Thousands	3 Months Ended
	Mar. 31, 2019USD ($)
Leases [Abstract]
Operating lease cost	$ 1,574
Operating lease impairment charge	370
Variable lease cost	58
Short-term lease cost	15
Total lease cost	$ 2,017

Leases - Future Minimum Lease P

Leases - Future Minimum Lease Payments (Detail) $ in Thousands	Mar. 31, 2019USD ($)
Leases [Abstract]
2019	$ 5,779
2020	7,438
2021	7,361
2022	7,019
2023	7,119
Thereafter	23,464
Total lease payments	58,180
Less: interest	19,449
Present value of lease liabilities	$ 38,731

Leases - Weighted-Average Remai

Leases - Weighted-Average Remaining Lease Term and Discount Rate (Detail)	Mar. 31, 2019
Weighted-average remaining lease term (years)
Operating leases	7 years 9 months 18 days
Weighted-average discount rate
Operating leases	10.76%

Leases - Supplemental Cash Flow

Leases - Supplemental Cash Flow Disclosures Related to Leases (Detail) $ in Thousands	3 Months Ended
	Mar. 31, 2019USD ($)
Cash paid for amounts included in the measurement of lease liabilities
Operating cash flows from operating leases	$ 1,938

Long-Term Debt - Summary of Lon

Long-Term Debt - Summary of Long-Term Debt Instruments and Balances Outstanding (Detail) - USD ($) $ in Thousands		Mar. 31, 2019	Dec. 31, 2018	Mar. 31, 2018
Debt Instrument [Line Items]
Securitization notes		$ 181,000	$ 227,288	$ 217,125
Subtotal		806,000	874,288	768,169
Less: Long-term debt issuance costs		(14,092)	(16,359)	(13,519)
Total long-term debt	[1]	791,908	857,929	754,650
Revolving Line of Credit
Debt Instrument [Line Items]
Revolving line of credit			22,000	8,000
9.75% Senior Notes Due 2021
Debt Instrument [Line Items]
Senior notes				293,044
8.50% Senior Notes Due 2024
Debt Instrument [Line Items]
Senior notes		250,000	250,000	$ 250,000
8.50% Senior Notes Due 2025
Debt Instrument [Line Items]
Senior notes		$ 375,000	$ 375,000
[1]	Includes amounts in wholly owned, bankruptcy-remote special purpose subsidiaries (“VIEs”) presented separately in the table below.

Long-term Debt - Summary of L_2

Long-term Debt - Summary of Long-Term Debt Instruments and Balances Outstanding (Parenthetical) (Detail)	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Sep. 19, 2018	Sep. 01, 2017	May 30, 2014
9.75% Senior Notes Due 2021
Debt Instrument [Line Items]
Debt instrument, interest rate	9.75%	9.75%			9.75%
Debt instrument, maturity date	Jun. 1, 2021	Jun. 1, 2021
8.50% Senior Notes Due 2024
Debt Instrument [Line Items]
Debt instrument, interest rate	8.50%	8.50%		8.50%
Debt instrument, maturity date	Sep. 1, 2024	Sep. 1, 2024
8.50% Senior Notes Due 2025
Debt Instrument [Line Items]
Debt instrument, interest rate	8.50%		8.50%
Debt instrument, maturity date	Sep. 15, 2025

Long-term Debt - Additional Inf

Long-term Debt - Additional Information (Detail) - USD ($)

Feb. 25, 2019

Oct. 23, 2018

Sep. 19, 2018

Jul. 23, 2018

Oct. 20, 2017

Sep. 01, 2017

Dec. 01, 2016

Mar. 31, 2019

Mar. 31, 2018

Dec. 31, 2018

Oct. 31, 2018

Apr. 13, 2018

May 30, 2014

Debt Instrument [Line Items]

Weighted average interest rates

9.03%

9.79%

Securitization notes

$ 181,000,000

$ 217,125,000

$ 227,288,000

Loss on early extinguishment of debt

$ 2,321,000

$ 4,710,000

8.50% Senior Unsecured Notes Due 2025

Debt Instrument [Line Items]

Debt instrument, face amount

$ 375,000,000

Debt instrument, maturity date

Sep. 15, 2025

Debt instrument, interest rate

8.50%

8.50%

Debt instrument, payment terms

The 2025 Senior Notes bear interest at a rate of 8.50% annually on the principal amount payable semi-annually in arrears on March 15 and September 15 of each year, beginning on March 15, 2019.

Debt instrument, percentage of sale price

100.00%

Notes redemption, description

The 2025 Senior Notes are redeemable at the Company’s option, in whole or in part, (i) at any time prior to September 15, 2021 at 100% of the aggregate principal amount of 2025 Senior Notes redeemed plus the applicable “make whole” premium specified in the indenture that governs the Company’s 2025 Notes (the “2025 Senior Notes Indenture”), plus accrued and unpaid interest, if any, to the redemption date and (ii) at any time on or after September 15, 2021 at the premium, if any, specified in the 2025 Senior Notes Indenture that will decrease over time, plus accrued and unpaid interest, if any, to the redemption date.

Note redeem rate

100.00%

8.50% Senior Unsecured Notes Due 2025 | $375.0 million 8.50% Senior Unsecured Notes Redemption, Under Additional Option Available

Debt Instrument [Line Items]

Note redeem rate

108.50%

Percentage of notes principal redeemable

40.00%

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

Jun. 1, 2021

Debt instrument, interest rate

9.75%

9.75%

9.75%

Debt instrument, repurchase of principal amount

$ 295,000,000

$ 50,000,000

345,000,000

Debt instrument, effective percentage

10.00%

Aggregate cash consideration paid for repurchase of principal amount with accrued interest

53,700,000

Loss on early extinguishment of debt

4,700,000

Loss on early extinguishment of debt, net of tax

$ 3,700,000

8.50% Senior Unsecured Notes Due 2024

Debt Instrument [Line Items]

Debt instrument, face amount

$ 250,000,000

Debt instrument, maturity date

Sep. 1, 2024

Sep. 1, 2024

Debt instrument, interest rate

8.50%

8.50%

8.50%

Debt instrument, payment terms

The 2024 Senior Notes bear interest at a rate of 8.50% annually on the principal amount payable semi-annually in arrears on March 1 and September 1 of each year, beginning on March 1, 2018.

Debt instrument, percentage of sale price

100.00%

Notes redemption, description

The 2024 Senior Notes are redeemable at the Company’s option, in whole or in part, (i) at any time prior to September 1, 2020 at 100% of the aggregate principal amount of 2024 Senior Notes redeemed plus the applicable “make whole” premium specified in the indenture that governs the Company’s 2024 Notes (the “2024 Senior Notes Indenture”), plus accrued and unpaid interest, if any, to the redemption date and (ii) at any time on or after September 1, 2020 at the premium, if any, specified in the 2024 Senior Notes Indenture that will decrease over time, plus accrued and unpaid interest, if any, to the redemption date.

Note redeem rate

100.00%

8.50% Senior Unsecured Notes Due 2024 | $250.0 million 8.50% Senior Unsecured Notes Redemption, Under Additional Option Available

Debt Instrument [Line Items]

Note redeem rate

108.50%

Percentage of notes principal redeemable

40.00%

2019-1 Facility

Debt Instrument [Line Items]

Debt instrument, face amount

$ 50,000,000

Debt instrument maturity term

3 years

Securitization notes

$ 12,800,000

2019-1 Facility | LIBOR

Debt Instrument [Line Items]

Debt instrument, effective percentage

9.75%

Debt instrument, frequency of periodic payment

monthly

2019-1 Facility | PCAM Credit II, LLC

Debt Instrument [Line Items]

Debt instrument, face amount

$ 75,000,000

2019-1 Facility | Initial Term Note

Debt Instrument [Line Items]

Debt instrument, face amount

30,000,000

2019-1 Facility | Initial Term Note | PCAM Credit II, LLC

Debt Instrument [Line Items]

Debt instrument, face amount

50,000,000

2019-1 Facility | Revolving Note

Debt Instrument [Line Items]

Debt instrument, face amount

20,000,000

2019-1 Facility | Revolving Note | PCAM Credit II, LLC

Debt Instrument [Line Items]

Debt instrument, face amount

$ 25,000,000

2018-A Notes

Debt Instrument [Line Items]

Securitization notes

$ 80,000,000

111,400,000

2018-A Notes | Class A Notes

Debt Instrument [Line Items]

Debt instrument, face amount

$ 95,000,000

Debt instrument, interest rate

4.20%

2018-A Notes | Class B Notes

Debt Instrument [Line Items]

Debt instrument, face amount

$ 30,400,000

Debt instrument, interest rate

7.37%

2018-2 Facility

Debt Instrument [Line Items]

Debt instrument, face amount

$ 150,000,000

Debt instrument, maturity date

Oct. 23, 2022

Securitization notes

$ 50,000,000

25,000,000

2018-2 Facility | LIBOR

Debt Instrument [Line Items]

Debt instrument, effective percentage

3.75%

Debt instrument, frequency of periodic payment

monthly

2018-1 Facility

Debt Instrument [Line Items]

Debt instrument, face amount

$ 150,000,000

Debt instrument, maturity date

Jul. 22, 2023

Securitization notes

$ 36,000,000

36,000,000

2018-1 Facility | LIBOR

Debt Instrument [Line Items]

Debt instrument, effective percentage

4.00%

Debt instrument, frequency of periodic payment

monthly

2016-1 Facility

Debt Instrument [Line Items]

Securitization notes

$ 199,300,000

54,900,000

Maximum principal amount of securitization facility

$ 275,000,000

Maturity period of revolving facility

2019-04

2016-1 Facility | Maximum

Debt Instrument [Line Items]

Aggregate availability of variable funding notes

$ 90,000,000

2016-1 Facility | Minimum

Debt Instrument [Line Items]

Aggregate availability of variable funding notes

75,000,000

2016-1 Facility | Initial Term Note

Debt Instrument [Line Items]

Debt instrument, face amount

$ 181,100,000

2016-2 Facility

Debt Instrument [Line Items]

Securitization notes

15,100,000

Annual percentage rate for securitized consumer loan

90.00%

Securitization notes remaining amount available to be borrowed

$ 0

Revolving Credit Facility Due 2020

Debt Instrument [Line Items]

Maximum borrowing capacity

$ 125,000,000

Credit agreement, maturity date

May 1, 2020

Revolving line of credit

$ 0

8,000,000

22,000,000

Revolving Credit Facility Due 2020 | Letters of Credit

Debt Instrument [Line Items]

Maximum borrowing capacity

20,000,000

Borrowings outstanding under credit agreement

$ 1,200,000

$ 8,000,000

$ 1,600,000

Revolving Credit Facility Due 2020 | Maximum

Debt Instrument [Line Items]

Commitment fee percentage

0.50%

Revolving Credit Facility Due 2020 | Minimum

Debt Instrument [Line Items]

Commitment fee percentage

0.30%

Revolving Credit Facility Due 2020 | Prime Rate

Debt Instrument [Line Items]

Debt instrument, basis spread on variable rate

1.00%

Income Taxes - Additional Infor

Income Taxes - Additional Information (Detail) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Income Tax Contingency [Line Items]
Effective tax rate	22.50%	20.80%
Unrecognized tax benefits	$ 41.3	$ 0.1
Effective income tax rate reconciliation at federal benefit of state matters, Amount	40.7
Unrecognized tax benefits that would affect the effective tax rate	14.1
Internal Revenue Service (IRS)
Income Tax Contingency [Line Items]
Income tax refunds received	$ 45.7
State Local And Foreign Jurisdiction Tax Authority
Income Tax Contingency [Line Items]
Statute of limitation period	3 years

Accumulated Other Comprehensi_3

Accumulated Other Comprehensive Loss - Schedule of Components of Accumulated Other Comprehensive Loss, Net of Tax (Detail) - USD ($) $ in Thousands		3 Months Ended
		Mar. 31, 2019	Mar. 31, 2018
Accumulated Other Comprehensive Income Loss [Line Items]
Balance		$ 347,768	$ 281,687
Other comprehensive income (loss), before reclassifications and tax		2,054	3,644
Tax impact		(500)	(820)
Australia and Canada liquidation	[1]		2,343
Tax impact			(781)
Reclassification of certain deferred tax effects	[2]		(1,622)
Balance		379,214	315,733
Foreign Currency Translation Gain (Loss)
Accumulated Other Comprehensive Income Loss [Line Items]
Balance		(13,805)	(7,086)
Other comprehensive income (loss), before reclassifications and tax		2,054	3,644
Tax impact		(500)	(820)
Australia and Canada liquidation	[1]		2,343
Tax impact			(781)
Reclassification of certain deferred tax effects	[2]		(1,622)
Balance		(12,251)	(4,322)
Accumulated Other Comprehensive Loss
Accumulated Other Comprehensive Income Loss [Line Items]
Balance		(13,805)	(7,086)
Other comprehensive income (loss), before reclassifications and tax			3,644
Reclassification of certain deferred tax effects			1,622
Balance		$ (12,251)	$ (4,322)
[1]	Amount reclassified from accumulated other comprehensive loss represents the realization of foreign currency translation losses on the Company’s Australia and Canada businesses for the three months ended March 31, 2018. These amounts were recorded in “Foreign currency transaction loss” on the consolidated statements of income. See Note 1 for additional information.
[2]	Amount reclassified from accumulated other comprehensive loss represents stranded tax effects resulting from the newly enacted federal corporate income tax rate under the Tax Cuts and Jobs Act. The amount of the reclassification is the difference between the historical corporate income tax rate and the newly enacted 21 percent corporate income tax rate. These amounts were recorded to retained earnings on the consolidated balance sheets.

Accumulated Other Comprehensi_4

Accumulated Other Comprehensive Loss - Schedule of Components of Accumulated Other Comprehensive Loss, Net of Tax (Parenthetical) (Detail)	3 Months Ended
	Mar. 31, 2019
Equity [Abstract]
Corporate income tax rate	21.00%

Earnings Per Share - Schedule o

Earnings Per Share - Schedule of Reconciliation of Numerators and Denominators of Basic and Diluted Earnings per Share Computations (Detail) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Numerator:
Net Income	$ 35,017	$ 27,898
Denominator:
Total weighted average basic shares	33,481	33,669
Shares applicable to stock-based compensation	940	903
Total weighted average diluted shares	34,421	34,572
Earnings Per Share:
Net income per share – basic	$ 1.05	$ 0.83
Net income per share – diluted	$ 1.02	$ 0.81

Earnings Per Share - Additional

Earnings Per Share - Additional Information (Detail) - shares	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Stock options
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Stock options not included in computation of diluted earnings per share	720,429	1,191,744
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	6,187	296,058

Operating Segment Information -

Operating Segment Information - Additional Information (Detail) $ in Thousands	3 Months Ended
	Mar. 31, 2019USD ($)Segment	Dec. 31, 2018USD ($)	Mar. 31, 2018USD ($)
Segment Reporting [Abstract]
Number of reportable segment	1
Number of operating segment	1
Property and equipment, net | $	$ 50,522	$ 49,553	$ 47,698

Operating Segment Information_2

Operating Segment Information - Summary of Domestic, International Operations and Corporate Services (Detail) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Dec. 31, 2018
Revenues [Abstract]
Revenue	$ 293,183	$ 254,298
Income (loss) from operations [Abstract]
Income (loss) from operations	67,119	61,712
Depreciation and amortization [Abstract]
Depreciation and amortization	4,184	3,838
Expenditures for property and equipment [Abstract]
Expenditures for property and equipment	4,884	3,349
Property and equipment, net [Abstract]
Property and equipment, net	50,522	47,698	$ 49,553
Assets
Assets	1,338,419	1,158,200	$ 1,328,185
Domestic
Revenues [Abstract]
Revenue	257,988	212,966
Income (loss) from operations [Abstract]
Income (loss) from operations	105,106	87,759
Depreciation and amortization [Abstract]
Depreciation and amortization	2,208	1,858
Expenditures for property and equipment [Abstract]
Expenditures for property and equipment	2,385	1,990
Property and equipment, net [Abstract]
Property and equipment, net	20,538	27,787
Assets
Assets	1,098,687	960,386
International
Revenues [Abstract]
Revenue	35,195	41,332
Income (loss) from operations [Abstract]
Income (loss) from operations	(7,156)	1,718
Depreciation and amortization [Abstract]
Depreciation and amortization	398	372
Expenditures for property and equipment [Abstract]
Expenditures for property and equipment	912	1,068
Property and equipment, net [Abstract]
Property and equipment, net	10,070	8,093
Assets
Assets	133,278	137,422
Corporate Services
Income (loss) from operations [Abstract]
Income (loss) from operations	(30,831)	(27,765)
Depreciation and amortization [Abstract]
Depreciation and amortization	1,578	1,608
Expenditures for property and equipment [Abstract]
Expenditures for property and equipment	1,587	291
Property and equipment, net [Abstract]
Property and equipment, net	19,914	11,818
Assets
Assets	$ 106,454	$ 60,392

Operating Segment Information_3

Operating Segment Information - Summary of Company's Revenue by Geographical Region (Detail) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Revenues [Abstract]
Revenue	$ 293,183	$ 254,298
United States
Revenues [Abstract]
Revenue	257,988	212,966
United Kingdom
Revenues [Abstract]
Revenue	28,745	34,989
Other International Countries
Revenues [Abstract]
Revenue	$ 6,450	$ 6,343

Derivative Instruments - Additi

Derivative Instruments - Additional Information (Details) - USD ($)	Mar. 31, 2019	Dec. 31, 2018	Mar. 31, 2018
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	3 Months Ended
	Mar. 31, 2018USD ($)
Derivative Instruments Gain Loss [Line Items]
Gains (Losses) Recognized in Income	$ 243
Forward Currency Exchange Contracts
Derivative Instruments Gain Loss [Line Items]
Gains (Losses) Recognized in Income	$ 243	[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) - Marketing Agency - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Related Party Transaction [Line Items]
Amount expenses incurred to related party	$ 2.6	$ 2.8
Due to related party	$ 2.4	$ 0.7

Fair Value Measurements - Addit

Fair Value Measurements - Additional Information (Detail) - USD ($)	3 Months Ended
	Mar. 31, 2019	Dec. 31, 2018	Mar. 31, 2018
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
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 Nonrecurring Member
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Assets fair value non-recurring	$ 0	$ 0	0
Liabilities fair value non-recurring	$ 0	$ 0	$ 0

Fair Value Measurements - Fair

Fair Value Measurements - Fair Value Assets and Liabilities Measured on Recurring Basis (Detail) - Fair Value, Measurements, Recurring - USD ($) $ in Thousands		Mar. 31, 2019	Dec. 31, 2018	Mar. 31, 2018
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Non-qualified savings plan assets	[1]	$ 2,683	$ 2,052	$ 2,079
Total		2,683	2,052	2,079
Level 1
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Non-qualified savings plan assets	[1]	2,683	2,052	2,079
Total		$ 2,683	$ 2,052	$ 2,079
[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 - Finan

Fair Value Measurements - Financial Assets and Liabilities Not Measured at Fair Value (Detail) - USD ($) $ in Thousands		Mar. 31, 2019	Dec. 31, 2018	Mar. 31, 2018	Dec. 31, 2017
Financial liabilities:
Liability for estimated losses on consumer loans guaranteed by the Company		$ 1,264	$ 2,166	$ 1,410	$ 2,258
Carrying Value
Financial assets:
Cash and cash equivalents		92,829	52,917	69,900
Short-term loans and line of credit accounts, net	[1]	211,347	222,860	180,525
Installment loans and RPAs, net	[1],[2]	604,509	637,086	522,551
Restricted cash	[3]	25,391	24,342	34,765
Investment in unconsolidated investee	[4]	6,703	6,703	6,703
Total		940,779	943,908	814,444
Financial liabilities:
Liability for estimated losses on consumer loans guaranteed by the Company		1,264	2,166	1,410
Promissory note				3,000
Revolving line of credit			22,000	8,000
Securitization notes		181,000	227,288	217,125
Total		807,264	876,454	772,579
Carrying Value | 8.50% Senior Notes Due 2024
Financial liabilities:
Senior notes		250,000	250,000	250,000
Carrying Value | 8.50% Senior Notes Due 2025
Financial liabilities:
Senior notes		375,000	375,000
Carrying Value | 9.75% Senior Notes Due 2021
Financial liabilities:
Senior notes				293,044
Level 1 | Estimated Fair Value
Financial assets:
Cash and cash equivalents		92,829	52,917	69,900
Restricted cash	[3]	25,391	24,342	34,765
Total		118,220	77,259	104,665
Level 2 | Estimated Fair Value
Financial liabilities:
Securitization notes		181,365	225,474	220,066
Total		767,873	744,537	787,576
Level 2 | Estimated Fair Value | 8.50% Senior Notes Due 2024
Financial liabilities:
Senior notes		235,915	212,500	261,250
Level 2 | Estimated Fair Value | 8.50% Senior Notes Due 2025
Financial liabilities:
Senior notes		350,593	306,563
Level 2 | Estimated Fair Value | 9.75% Senior Notes Due 2021
Financial liabilities:
Senior notes				306,260
Level 3 | Estimated Fair Value
Financial assets:
Short-term loans and line of credit accounts, net	[1]	211,347	222,860	180,525
Installment loans and RPAs, net	[1],[2]	636,932	670,888	551,001
Investment in unconsolidated investee	[4]	6,703	6,703	6,703
Total		854,982	900,451	738,229
Financial liabilities:
Liability for estimated losses on consumer loans guaranteed by the Company		1,264	2,166	1,410
Promissory note				3,327
Revolving line of credit			22,000	8,000
Total		$ 1,264	$ 24,166	$ 12,737
[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 $280.7 million, $278.3 million and $319.0 million in net assets of consolidated VIEs as of March 31, 2019 and 2018 and December 31, 2018, respectively.
[3]	Restricted cash includes $23.2 million, $26.7 million and $22.2 million in assets of consolidated VIEs as of March 31, 2019 and 2018 and December 31, 2018, respectively.
[4]	Investment in unconsolidated investee is included in “Other assets” in the consolidated balance sheets.

Fair Value Measurements - Fin_2

Fair Value Measurements - Financial Assets and Liabilities Not Measured at Fair Value (Parenthetical) (Detail) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Dec. 31, 2018	Sep. 19, 2018	Sep. 01, 2017	May 30, 2014
Variable Interest Entity, Primary Beneficiary
Fair Value Balance Sheet Grouping Financial Statement Captions [Line Items]
Installment loans and RPAs, net	$ 280.7	$ 278.3	$ 319
Restricted cash	$ 23.2	$ 26.7	$ 22.2
8.50% Senior Notes Due 2024
Fair Value Balance Sheet Grouping Financial Statement Captions [Line Items]
Debt instrument, interest rate	8.50%	8.50%			8.50%
Debt instrument, maturity date	Sep. 1, 2024	Sep. 1, 2024
8.50% Senior Notes Due 2025
Fair Value Balance Sheet Grouping Financial Statement Captions [Line Items]
Debt instrument, interest rate	8.50%			8.50%
Debt instrument, maturity date	Sep. 15, 2025
9.75% Senior Notes Due 2021
Fair Value Balance Sheet Grouping Financial Statement Captions [Line Items]
Debt instrument, interest rate	9.75%	9.75%				9.75%
Debt instrument, maturity date	Jun. 1, 2021	Jun. 1, 2021