Overview Financials News + Filings Key Docs Charts Ownership Insiders
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| In millions, except per share items | Dec-31-19 | Dec-31-18 | Dec-31-17 | Dec-31-16 | Dec-31-15 | Dec-31-14 | Dec-31-13 | Dec-31-12 |
| | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K |
| Interest income on loans | 494.3 | 440.8 | 383.0 | 300.7 | 227.6 | 172.5 | 51.7 | |
| Total interest income | 428.4 | 382.9 | 334.0 | 264.8 | 195.0 | 145.3 | 62.9 | 25.3 |
| Total interest expense | 44.7 | 47.1 | 46.2 | | | -0.4 | 12.1 | |
| Net interest income | 383.8 | 335.9 | 287.8 | 264.8 | 195.0 | 145.3 | 62.9 | 25.3 |
| Provision for loan losses | 173.4 | 148.5 | 152.9 | 150.0 | 74.9 | 67.4 | 26.6 | 12.5 |
| Net interest income after provision for loan losses | 210.4 | 187.3 | 134.9 | 114.9 | 120.2 | 77.8 | 36.4 | 12.8 |
| Total non-interest income | 16.1 | 14.8 | 16.4 | 26.5 | 59.7 | 12.8 | 2.3 | 0.4 |
| Pre-tax income | 20.1 | 24.6 | -14.9 | -85.5 | -2.2 | -18.7 | -24.4 | -16.8 |
| Income taxes | -3.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Tax rate | | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Minority interest | -4.3 | -2.4 | -2.8 | -2.5 | -1.0 | | | |
| Net income | 28.0 | 27.0 | -12.1 | -83.0 | -1.3 | -18.7 | -37.1 | 0.0 |
| Net margin | 12.3% | 13.4% | -8.0% | -58.7% | -0.7% | -20.6% | -95.9% | -0.2% |
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| Basic EPS | $0.38 | $0.36 | ($0.17) | ($1.17) | ($0.02) | ($0.36) | ($8.64) | ($4.27) |
| Diluted EPS | $0.36 | $0.34 | ($0.17) | ($1.17) | ($0.02) | ($0.36) | ($8.64) | ($4.27) |
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| Shares outstanding (basic) | 74.1 | 74.6 | 72.9 | 70.9 | 69.5 | 52.6 | 4.3 | 0.0 |
| Shares outstanding (diluted) | 77.0 | 78.5 | 72.9 | 70.9 | 69.5 | 52.6 | 4.3 | 0.0 |
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| EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges. |
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