Overview Financials News + Filings Key Docs Charts Ownership Insiders
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| In millions, except per share items | Dec-31-20 | Dec-31-19 | Dec-31-18 | Dec-31-17 | Dec-31-16 | Dec-31-15 | Dec-31-14 | Dec-31-13 |
| | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K/A | 10-K/A |
| Cash flows from operating activities: | | | | | | | | |
| Net income | 910.9 | 994.4 | 915.9 | 1,172.8 | 766.5 | 824.0 | 725.3 | |
| Adjustments to reconcile net income to net cash provided by operating activities | | | | | | | | |
| Derivative mark to market | 9.9 | 12.9 | -6.3 | -8.7 | 0.2 | -1.7 | | -14.6 |
| Credit loss expense/(benefit) | 2,364.5 | 2,093.7 | 2,205.6 | | | | | |
| Depreciation, amortization and accretion | 2,209.0 | 1,988.6 | 1,668.5 | 1,403.7 | 1,094.8 | 821.8 | 571.0 | 145.2 |
| Originations and purchases of receivables held for sale | -2,318.6 | | -1,852.6 | -3,624.7 | -4,019.2 | -5,473.0 | | -1,966.0 |
| Investment losses, net | 400.6 | 406.7 | 401.6 | 366.4 | 444.8 | 95.2 | | -41.7 |
| Stock-based compensation | 7.1 | 8.6 | 7.7 | 18.5 | 9.5 | 10.7 | 125.9 | 0.2 |
| Deferred tax expense | 309.1 | 324.2 | 267.5 | -360.5 | 379.8 | 427.3 | 617.1 | 324.8 |
| Net change in: | | | | | | | | |
| Revolving personal loans | -278.8 | -362.8 | -361.6 | -246.6 | 5.3 | -8.6 | -9.9 | -8.1 |
| Other assets | -26.1 | -2.5 | -42.7 | -88.5 | -55.8 | -20.6 | -1.3 | -17.4 |
| Other liabilities | -40.1 | 19.0 | 27.5 | 50.7 | -58.9 | 59.7 | 63.0 | 150.4 |
| Net cash provided by operating activities | 4,012.5 | 5,533.2 | 6,244.9 | 3,941.3 | 4,473.1 | 3,909.7 | 3,894.5 | 2,091.2 |
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| Cash flows from investing activities: | | | | | | | | |
| Originations and purchases of portfolios on finance receivables held for investment | | | | | -568.0 | | | -14,748.7 |
| Collections on finance receivables held for investment | 12,668.2 | 12,312.1 | 10,683.9 | 10,113.4 | 10,295.8 | 10,178.2 | | 8,134.6 |
| Proceeds from sales of retail installment contracts held for sale, originated as held for investment | 749.0 | | | | 3,905.6 | 4,662.8 | | 1,904.5 |
| Leased vehicles purchased | -6,860.8 | -8,573.4 | -9,819.4 | -6,007.8 | -5,596.6 | -5,149.5 | | -2,420.9 |
| Proceeds from sale of leased vehicles | 4,264.1 | 3,426.7 | 3,327.6 | 2,274.2 | 1,548.2 | 1,932.0 | | 18.8 |
| Change in revolving personal loans, net | 56.5 | 31.2 | 14.6 | -18.8 | | | | |
| Proceeds from repayments and maturities of available-for-sale securities | 7.4 | 6.0 | | | | | | |
| Proceeds from repayments and maturities of held-to-maturity securities | 7.4 | | | | | | | |
| Purchases of furniture and equipment | -23.3 | -16.4 | -10.4 | -16.6 | -23.3 | -18.8 | | -23.4 |
| Sales of furniture and equipment | 0.0 | 0.4 | 0.1 | 0.7 | | | | |
| Net cash used in investing activities | -4,767.6 | -9,272.4 | -10,415.8 | -3,590.3 | -4,742.4 | -7,715.2 | -8,339.1 | -8,961.7 |
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| Cash flows from financing activities: | | | | | | | | |
| Proceeds from borrowings and other debt obligations, net of debt issuance costs - $4,731,607 and $11,545,000 from affiliates, respectively | 47,892.9 | 46,382.0 | 45,538.1 | 41,369.0 | | | | |
| Payments on borrowings and other debt obligations - $(5,931,607) and $(5,995,000) to affiliates, respectively | -45,979.9 | -42,107.3 | -41,845.9 | -41,560.1 | | | | |
| Proceeds from stock option exercises, gross | 0.7 | 4.5 | 10.3 | 15.1 | 8.1 | 87.8 | | 48.3 |
| Shares repurchased | -776.9 | -338.0 | -182.6 | | | -0.3 | | 1.6 |
| Dividends paid | -212.6 | -291.5 | -180.3 | -10.8 | | | -52.3 | -290.4 |
| Net cash provided by (used in) financing activities | 924.2 | 3,649.8 | 3,339.7 | -186.8 | 931.5 | 3,791.2 | 4,467.3 | 6,810.2 |
| Net increase (decrease) in cash and cash equivalents and restricted cash | 169.1 | -89.4 | -831.2 | | | | | |
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| Supplemental cash flow information: | | | | | | | | |
| Cash and cash equivalents | | | | | | | | |
| Restricted cash | | | | | | | | |
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