In millions, except per share items | Jun-30-20 | Mar-31-20 | Dec-31-19 | Sep-30-19 | Jun-30-19 | Mar-31-19 | Dec-31-18 | Sep-30-18 |
| 10-Q | 10-Q | 10-K | 10-Q | 10-Q | 10-Q | 10-K | 10-Q |
Cash flows from operating activities | | | | | | | | |
Net income (loss) | 16.1 | -49.2 | 16.1 | 21.4 | 22.6 | 32.4 | 24.6 | 15.2 |
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Adjustments to reconcile net income (loss) to net cash from operating activities: | | | | | | | | |
Provision for credit losses | 0.0 | 64.6 | | | 0.0 | 43.3 | | |
Depreciation and amortization | 2.9 | 2.7 | 2.9 | 3.2 | 3.6 | 9.6 | 7.8 | 6.2 |
Amortization of debt issuance costs | 33.7 | 31.6 | 33.7 | 34.7 | 34.5 | 69.8 | 64.8 | 60.6 |
Stock-based compensation | 4.6 | 3.3 | 4.6 | 5.3 | 5.8 | 11.4 | 11.8 | 11.8 |
Amortization of net deferred origination costs | 33.7 | 31.6 | 33.7 | 34.7 | 34.5 | 69.8 | 64.8 | 60.6 |
Changes in servicing rights, at fair value | | | | | 0.1 | 0.2 | 0.3 | 0.9 |
Unfunded loan commitment reserve | | | 0.9 | 0.5 | 0.8 | 1.3 | 1.4 | 1.1 |
Loss on disposal of fixed assets | | | 1.7 | | 0.1 | 0.7 | 5.7 | 5.7 |
Amortization of intangibles | 0.3 | 0.4 | 0.3 | 0.2 | | | | |
Goodwill impairment | 11.0 | | | | | | | |
Changes in operating assets and liabilities: | | | | | | | | |
Other assets | -5.5 | -6.9 | -5.5 | 1.6 | -3.0 | -5.3 | -5.0 | -4.4 |
Accounts payable | 1.0 | 0.6 | 1.0 | -3.5 | 0.1 | 2.0 | 1.5 | 2.7 |
Interest payable | -0.4 | 0.1 | -0.4 | 0.3 | -0.1 | 0.4 | 0.1 | -0.1 |
Accrued expenses and other liabilities | 3.4 | -1.9 | 3.4 | 6.6 | 3.6 | 5.1 | 5.6 | 2.2 |
Net cash provided by operating activities | 145.8 | 134.3 | 145.8 | 153.3 | 147.1 | 280.9 | 265.8 | 245.1 |
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Cash flows from investing activities | | | | | | | | |
Purchases of property, equipment and software | -1.8 | -3.7 | -1.8 | -2.1 | -0.4 | -1.3 | -1.1 | -0.9 |
Originations of loans and finance receivables, excluding rollovers into new originations | -2,079.4 | -2,052.9 | -2,079.4 | | -2,115.8 | -2,652.9 | -2,115.8 | |
Payments of net deferred origination costs | -35.9 | -34.4 | -35.9 | -37.8 | -36.7 | -71.0 | -66.7 | -60.5 |
Principal repayments of loans and finance receivables | 0.0 | -43.9 | | | 0.0 | 469.9 | | |
Acquisition of shares in business combination | | | 0.0 | 0.0 | | | | |
Net cash provided by (used in) investing activities | -178.2 | -197.3 | -178.2 | -189.3 | -223.7 | -390.7 | -401.7 | -334.4 |
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Cash flows from financing activities | | | | | | | | |
Tax withholding related to vesting of restricted stock units | -0.8 | -0.8 | -0.8 | -1.2 | -1.4 | -2.1 | -1.9 | -2.1 |
Repurchases of common stock | -44.0 | -76.8 | -44.0 | -11.0 | | | | |
Proceeds from exercise of stock options | 1.0 | -0.3 | 1.0 | 1.0 | 0.8 | 2.0 | 1.5 | 1.5 |
Issuance of common stock under employee stock purchase plan | | | | | 0.0 | 1.3 | | |
Proceeds from the issuance of debt | 405.6 | 456.5 | 405.6 | 167.4 | 352.0 | 900.6 | 759.2 | 697.5 |
Payments of debt issuance costs | -2.5 | 0.4 | -2.5 | -1.0 | -2.3 | -9.1 | -6.0 | -6.3 |
Repayments of debt principal | -332.2 | -275.6 | -332.2 | -130.5 | -289.9 | -791.0 | -632.7 | -851.3 |
Net cash (used in) provided by financing activities | 27.1 | 103.4 | 27.1 | 22.9 | 57.4 | 102.2 | 121.7 | 89.4 |
Effect of exchange rate changes on cash and cash equivalents | -0.5 | 0.2 | -0.5 | | -3.1 | -3.1 | -3.1 | |
Net increase (decrease) in cash, cash equivalents and restricted cash | -0.8 | 45.5 | -0.8 | | -17.2 | -10.1 | | |
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Reconciliation to amounts on consolidated balance sheets | | | | | | | | |
Cash and cash equivalents | | | | | | | | |
Restricted cash | | | | | | | | |
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Supplemental disclosure of other cash flow information | | | | | | | | |
Cash paid for interest | 20.0 | 19.7 | 20.0 | 31.0 | 20.8 | 41.6 | 42.2 | |
Cash paid for income taxes | 0.0 | 0.0 | | | | | | |
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Supplemental disclosures of non-cash investing and financing activities | | | | | | | | |
Stock-based compensation included in capitalized internal-use software | 0.2 | 0.1 | 0.2 | 0.2 | 0.1 | 0.2 | 0.2 | |
Unpaid principal balance of term loans rolled into new originations | 196.9 | 178.1 | 196.9 | 302.3 | 200.7 | 376.1 | 368.4 | |