Overview Financials News + Filings Key Docs Charts Ownership Insiders
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| In millions, except per share items | Jan-31-22 | Jan-31-21 | Jan-31-20 | Jan-31-19 | Jan-31-18 | Jan-31-17 | Jan-31-16 | Jan-31-15 |
| | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K |
| Revenues |
| Retail | 1,306.3 | 1,065.1 | 1,164.0 | 1,195.1 | 1,192.3 | 1,316.0 | 1,324.2 | 1,223.5 |
| Product | | | | 1,078.6 | 1,077.9 | | | |
| Credit | 283.7 | 320.9 | 379.6 | 354.7 | 323.7 | 280.8 | 289.0 | 261.7 |
| RSA Commission | | | | 101.9 | 100.4 | | | |
| Reimbursement | 28.3 | 34.8 | 39.1 | 38.1 | 37.4 | 38.8 | | |
| Service | | | | 14.1 | 13.7 | | | |
| Eliminations | | | | | | | 36.4 | 29.8 |
| AcceptNow | | | | | | | | 56.8 |
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| EBITDA |
| Retail | 77.8 | 56.3 | 117.3 | 160.4 | 141.5 | 159.4 | 168.6 | 153.3 |
| Credit | 90.9 | -25.7 | 17.2 | 0.9 | -26.4 | -95.3 | -54.9 | -33.5 |
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| EBIT |
| Retail | 77.8 | 56.3 | 117.3 | 160.4 | 141.5 | 159.4 | 168.6 | 153.3 |
| Credit | 90.9 | -25.7 | 17.2 | 0.9 | -26.4 | -95.3 | -54.9 | -33.5 |
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| Mix |
| Retail | 82.2% | 76.8% | 75.4% | 77.1% | 100.0% | 82.4% | 82.1% | 82.4% |
| Product | | | | 69.6% | 90.4% | | | |
| Credit | 17.8% | 23.2% | 24.6% | 22.9% | 27.2% | 17.6% | 17.9% | 17.6% |
| RSA Commission | | | | 6.6% | 8.4% | | | |
| Reimbursement | 1.8% | 2.5% | 2.5% | 2.5% | 3.1% | 2.4% | | |
| Service | | | | 0.9% | 1.2% | | | |
| Eliminations | | | | | | | 2.3% | 2.0% |
| AcceptNow | | | | | | | | 3.8% |
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| Growth |
| Retail | 22.6% | -8.5% | -2.6% | 0.2% | -9.4% | -0.6% | 8.2% | 23.2% |
| Product | | | | 0.1% | | | | |
| Credit | -11.6% | -15.5% | 7.0% | 9.6% | 15.3% | -2.8% | 10.4% | 30.6% |
| RSA Commission | | | | 1.5% | | | | |
| Reimbursement | -18.7% | -11.0% | 2.6% | 1.9% | -3.6% | | | |
| Service | | | | 2.9% | | | | |
| Eliminations | | | | | | | 22.1% | 37.3% |
| AcceptNow | | | | | | | | 86.8% |
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