2016 Q4 Form 10-K Financial Statement

#000146434318000013 Filed on April 02, 2018

View on sec.gov

Income Statement

Concept 2016 Q4 2016 2015 Q4
Revenue $28.20M $88.62M $29.20M
YoY Change -3.42% 26.75% -4.58%
Cost Of Revenue $12.10M $30.66M $11.10M
YoY Change 9.01% -17.29% -24.49%
Gross Profit $16.10M $57.96M $18.10M
YoY Change -11.05% 76.46% 13.84%
Gross Profit Margin 57.09% 65.4% 61.99%
Selling, General & Admin $6.600M $27.20M $7.400M
YoY Change -10.81% 23.08% 25.42%
% of Gross Profit 40.99% 46.93% 40.88%
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $500.0K $2.204M $7.600M
YoY Change -93.42% 10.2% -50.97%
% of Gross Profit 3.11% 3.8% 41.99%
Operating Expenses $20.70M $73.70M $18.90M
YoY Change 9.52% 2.36% -8.25%
Operating Profit -$4.600M -$15.74M -$800.0K
YoY Change 475.0% -59.8% -82.98%
Interest Expense $200.0K $20.21M $600.0K
YoY Change -66.67% 10.24% -66.67%
% of Operating Profit
Other Income/Expense, Net $195.0K
YoY Change
Pretax Income -$4.300M -$12.36M -$200.0K
YoY Change 2050.0% -449.53% -93.1%
Income Tax -$2.200M -$6.015M $1.900M
% Of Pretax Income
Net Earnings -$2.100M -$6.335M -$2.100M
YoY Change 0.0% -469.82% -105.93%
Net Earnings / Revenue -7.45% -7.15% -7.19%
Basic Earnings Per Share -$0.46
Diluted Earnings Per Share -$151.1K -$0.46 -$151.1K
COMMON SHARES
Basic Shares Outstanding 13.91M shares 13.87M shares 13.87M shares
Diluted Shares Outstanding 13.94M shares

Balance Sheet

Concept 2016 Q4 2016 2015 Q4
SHORT-TERM ASSETS
Cash & Short-Term Investments $76.10M $76.10M $51.00M
YoY Change 49.22% 49.22% 27.82%
Cash & Equivalents $92.64M $76.10M $51.03M
Short-Term Investments
Other Short-Term Assets $19.40M $19.40M $19.20M
YoY Change 1.04% 1.04% 140.0%
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets $95.50M $95.50M $70.20M
YoY Change 36.04% 36.04% 46.56%
LONG-TERM ASSETS
Property, Plant & Equipment $3.829M $3.900M $5.686M
YoY Change -32.66% -62.5% -19.19%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments $6.725M $7.200M $10.12M
YoY Change -33.57% -33.94% -36.06%
Other Assets $16.60M $16.60M $20.50M
YoY Change -19.02% -19.02% -9.69%
Total Long-Term Assets $267.0M $267.0M $210.5M
YoY Change 26.85% 26.84% -4.5%
TOTAL ASSETS
Total Short-Term Assets $95.50M $95.50M $70.20M
Total Long-Term Assets $267.0M $267.0M $210.5M
Total Assets $362.5M $362.5M $280.7M
YoY Change 29.14% 29.14% 4.61%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $86.80M $86.80M $51.70M
YoY Change 67.89% 67.89% 29.25%
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt $0.00 $0.00 $0.00
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $102.6M $102.6M $74.00M
YoY Change 38.65% 38.65% 21.51%
LONG-TERM LIABILITIES
Long-Term Debt $254.2M $254.2M $195.8M
YoY Change 29.83% 29.83% -2.1%
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities $254.2M $254.2M $195.8M
YoY Change 29.83% 29.83% -2.1%
TOTAL LIABILITIES
Total Short-Term Liabilities $102.6M $102.6M $74.00M
Total Long-Term Liabilities $254.2M $254.2M $195.8M
Total Liabilities $356.8M $356.8M $269.8M
YoY Change 32.25% 32.25% 3.4%
SHAREHOLDERS EQUITY
Retained Earnings -$205.9M -$199.5M
YoY Change 3.18% -0.85%
Common Stock $211.6M $211.1M
YoY Change 0.27% 0.27%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity $5.787M $5.800M $10.96M
YoY Change
Total Liabilities & Shareholders Equity $362.5M $362.5M $280.7M
YoY Change 29.14% 29.14% 4.61%

Cashflow Statement

Concept 2016 Q4 2016 2015 Q4
OPERATING ACTIVITIES
Net Income -$2.100M -$6.335M -$2.100M
YoY Change 0.0% -469.82% -105.93%
Depreciation, Depletion And Amortization $500.0K $2.204M $7.600M
YoY Change -93.42% 10.2% -50.97%
Cash From Operating Activities $14.30M $39.02M $8.100M
YoY Change 76.54% 4415.63% -485.71%
INVESTING ACTIVITIES
Capital Expenditures -$100.0K $349.0K -$100.0K
YoY Change 0.0% -60.52% -80.0%
Acquisitions
YoY Change
Other Investing Activities -$19.10M -$75.50M $2.600M
YoY Change -834.62% -590.26% -36.59%
Cash From Investing Activities -$19.20M -$75.84M $2.500M
YoY Change -868.0% -621.7% -30.56%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net $949.0K
YoY Change 266.41%
Debt Paid & Issued, Net $178.0M
YoY Change 5.81%
Cash From Financing Activities 22.70M $63.46M 2.300M
YoY Change 886.96% -1876.57% 130.0%
NET CHANGE
Cash From Operating Activities 14.30M $39.02M 8.100M
Cash From Investing Activities -19.20M -$75.84M 2.500M
Cash From Financing Activities 22.70M $63.46M 2.300M
Net Change In Cash 17.80M $26.63M 12.90M
YoY Change 37.98% 125.16% 416.0%
FREE CASH FLOW
Cash From Operating Activities $14.30M $39.02M $8.100M
Capital Expenditures -$100.0K $349.0K -$100.0K
Free Cash Flow $14.40M $38.67M $8.200M
YoY Change 75.61% -193430.0% -612.5%

Facts In Submission

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CY2016Q4 us-gaap Deferred Tax Assets Goodwill And Intangible Assets
DeferredTaxAssetsGoodwillAndIntangibleAssets
3798000 USD
CY2017Q4 us-gaap Deferred Tax Assets Goodwill And Intangible Assets
DeferredTaxAssetsGoodwillAndIntangibleAssets
1801000 USD
CY2016Q4 us-gaap Deferred Tax Assets Gross
DeferredTaxAssetsGross
133491000 USD
CY2017Q4 us-gaap Deferred Tax Assets Gross
DeferredTaxAssetsGross
115107000 USD
CY2016Q4 us-gaap Deferred Tax Assets In Process Research And Development
DeferredTaxAssetsInProcessResearchAndDevelopment
0 USD
CY2017Q4 us-gaap Deferred Tax Assets In Process Research And Development
DeferredTaxAssetsInProcessResearchAndDevelopment
83000 USD
CY2017Q4 us-gaap Deferred Tax Assets Liabilities Net
DeferredTaxAssetsLiabilitiesNet
2237000 USD
CY2016 us-gaap Depreciation Nonproduction
DepreciationNonproduction
7477000 USD
CY2017 us-gaap Depreciation Nonproduction
DepreciationNonproduction
1021000 USD
CY2016 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
-0.46
CY2017 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
-2.93
CY2016Q4 us-gaap Deferred Tax Assets Net
DeferredTaxAssetsNet
99567000 USD
CY2017Q4 us-gaap Deferred Tax Assets Net
DeferredTaxAssetsNet
66865000 USD
CY2016Q4 us-gaap Deferred Tax Assets Operating Loss Carryforwards Domestic
DeferredTaxAssetsOperatingLossCarryforwardsDomestic
70778000 USD
CY2017Q4 us-gaap Deferred Tax Assets Operating Loss Carryforwards Domestic
DeferredTaxAssetsOperatingLossCarryforwardsDomestic
49098000 USD
CY2016Q4 us-gaap Deferred Tax Assets Operating Loss Carryforwards Foreign
DeferredTaxAssetsOperatingLossCarryforwardsForeign
374000 USD
CY2017Q4 us-gaap Deferred Tax Assets Operating Loss Carryforwards Foreign
DeferredTaxAssetsOperatingLossCarryforwardsForeign
362000 USD
CY2016Q4 us-gaap Deferred Tax Assets State Taxes
DeferredTaxAssetsStateTaxes
35409000 USD
CY2017Q4 us-gaap Deferred Tax Assets State Taxes
DeferredTaxAssetsStateTaxes
44643000 USD
CY2016Q4 us-gaap Deferred Tax Assets Tax Credit Carryforwards Alternative Minimum Tax
DeferredTaxAssetsTaxCreditCarryforwardsAlternativeMinimumTax
2145000 USD
CY2017Q4 us-gaap Deferred Tax Assets Tax Credit Carryforwards Alternative Minimum Tax
DeferredTaxAssetsTaxCreditCarryforwardsAlternativeMinimumTax
2005000 USD
CY2016Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Compensation And Benefits Share Based Compensation Cost
DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost
670000 USD
CY2017Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Compensation And Benefits Share Based Compensation Cost
DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost
604000 USD
CY2016Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Accrued Liabilities
DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities
1678000 USD
CY2017Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Accrued Liabilities
DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities
113000 USD
CY2016Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Other
DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsOther
286000 USD
CY2017Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Other
DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsOther
78000 USD
CY2016Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Provision For Loan Losses
DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses
18353000 USD
CY2017Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Provision For Loan Losses
DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses
16320000 USD
CY2016Q4 us-gaap Deferred Tax Assets Valuation Allowance
DeferredTaxAssetsValuationAllowance
33924000 USD
CY2017Q4 us-gaap Deferred Tax Assets Valuation Allowance
DeferredTaxAssetsValuationAllowance
48242000 USD
CY2016Q4 us-gaap Deferred Tax Liabilities
DeferredTaxLiabilities
4334000 USD
CY2016Q4 us-gaap Deferred Tax Liabilities Deferred Expense
DeferredTaxLiabilitiesDeferredExpense
696000 USD
CY2017Q4 us-gaap Deferred Tax Liabilities Deferred Expense
DeferredTaxLiabilitiesDeferredExpense
466000 USD
CY2016Q4 us-gaap Deferred Tax Liabilities Deferred Expense Capitalized Software
DeferredTaxLiabilitiesDeferredExpenseCapitalizedSoftware
157000 USD
CY2017Q4 us-gaap Deferred Tax Liabilities Deferred Expense Capitalized Software
DeferredTaxLiabilitiesDeferredExpenseCapitalizedSoftware
0 USD
CY2016Q4 us-gaap Deferred Tax Liabilities Deferred Expense Reserves And Accruals
DeferredTaxLiabilitiesDeferredExpenseReservesAndAccruals
42939000 USD
CY2017Q4 us-gaap Deferred Tax Liabilities Deferred Expense Reserves And Accruals
DeferredTaxLiabilitiesDeferredExpenseReservesAndAccruals
32464000 USD
CY2016Q4 us-gaap Deferred Tax Liabilities Financing Arrangements
DeferredTaxLiabilitiesFinancingArrangements
28921000 USD
CY2017Q4 us-gaap Deferred Tax Liabilities Financing Arrangements
DeferredTaxLiabilitiesFinancingArrangements
20098000 USD
CY2016Q4 us-gaap Deferred Tax Liabilities Investment In Noncontrolled Affiliates
DeferredTaxLiabilitiesInvestmentInNoncontrolledAffiliates
1455000 USD
CY2017Q4 us-gaap Deferred Tax Liabilities Investment In Noncontrolled Affiliates
DeferredTaxLiabilitiesInvestmentInNoncontrolledAffiliates
1054000 USD
CY2016Q4 us-gaap Deferred Tax Liabilities Other
DeferredTaxLiabilitiesOther
58000 USD
CY2017Q4 us-gaap Deferred Tax Liabilities Other
DeferredTaxLiabilitiesOther
511000 USD
CY2016Q4 us-gaap Deferred Tax Liabilities Prepaid Expenses
DeferredTaxLiabilitiesPrepaidExpenses
184000 USD
CY2017Q4 us-gaap Deferred Tax Liabilities Prepaid Expenses
DeferredTaxLiabilitiesPrepaidExpenses
194000 USD
CY2016Q4 us-gaap Deferred Tax Liabilities Tax Deferred Income
DeferredTaxLiabilitiesTaxDeferredIncome
29491000 USD
CY2017Q4 us-gaap Deferred Tax Liabilities Tax Deferred Income
DeferredTaxLiabilitiesTaxDeferredIncome
9841000 USD
CY2016 us-gaap Defined Contribution Plan Employer Discretionary Contribution Amount
DefinedContributionPlanEmployerDiscretionaryContributionAmount
307361 USD
CY2017 us-gaap Defined Contribution Plan Employer Discretionary Contribution Amount
DefinedContributionPlanEmployerDiscretionaryContributionAmount
272005 USD
CY2017 us-gaap Defined Contribution Plan Employer Matching Contribution Percent Of Match
DefinedContributionPlanEmployerMatchingContributionPercentOfMatch
0.03 Rate
CY2016Q4 us-gaap Deposits Assets
DepositsAssets
505000 USD
CY2017Q4 us-gaap Deposits Assets
DepositsAssets
252000 USD
CY2016 us-gaap Depreciation Depletion And Amortization
DepreciationDepletionAndAmortization
2204000 USD
CY2017 us-gaap Depreciation Depletion And Amortization
DepreciationDepletionAndAmortization
994000 USD
CY2017 us-gaap Fair Value Inputs Discount Rate
FairValueInputsDiscountRate
0.142
CY2016 us-gaap Fair Value Inputs Prepayment Rate
FairValueInputsPrepaymentRate
0.022
CY2017 us-gaap Fair Value Inputs Prepayment Rate
FairValueInputsPrepaymentRate
0.025
CY2016 us-gaap Fair Value Inputs Probability Of Default
FairValueInputsProbabilityOfDefault
0.118
CY2017 us-gaap Fair Value Inputs Probability Of Default
FairValueInputsProbabilityOfDefault
0.094
CY2016 us-gaap Fair Value Measured On Recurring Basis Gain Loss Included In Earnings
FairValueMeasuredOnRecurringBasisGainLossIncludedInEarnings
1587000 USD
CY2017 us-gaap Fair Value Measured On Recurring Basis Gain Loss Included In Earnings
FairValueMeasuredOnRecurringBasisGainLossIncludedInEarnings
3456000 USD
CY2016 us-gaap Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Asset Purchases Sales Issuances Settlements
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchasesSalesIssuancesSettlements
-12335000 USD
CY2017 us-gaap Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Asset Purchases Sales Issuances Settlements
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchasesSalesIssuancesSettlements
-8049000 USD
CY2015Q4 us-gaap Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Asset Value
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue
26706000 USD
CY2016Q4 us-gaap Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Asset Value
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue
15648000 USD
CY2017Q4 us-gaap Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Asset Value
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue
11109000 USD
CY2016 us-gaap Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Liability Settlements
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilitySettlements
4921000 USD
CY2016 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
-0.46
CY2017 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
-2.93
CY2016 us-gaap Effect Of Exchange Rate On Cash And Cash Equivalents
EffectOfExchangeRateOnCashAndCashEquivalents
-1615000 USD
CY2017 us-gaap Effect Of Exchange Rate On Cash And Cash Equivalents
EffectOfExchangeRateOnCashAndCashEquivalents
144000 USD
CY2016 us-gaap Effective Income Tax Rate Continuing Operations
EffectiveIncomeTaxRateContinuingOperations
0.487 Rate
CY2017 us-gaap Effective Income Tax Rate Continuing Operations
EffectiveIncomeTaxRateContinuingOperations
0.135 Rate
CY2016 us-gaap Effective Income Tax Rate Reconciliation At Federal Statutory Income Tax Rate
EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate
0.350 Rate
CY2017 us-gaap Effective Income Tax Rate Reconciliation At Federal Statutory Income Tax Rate
EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate
0.350 Rate
CY2016 us-gaap Effective Income Tax Rate Reconciliation Change In Deferred Tax Assets Valuation Allowance
EffectiveIncomeTaxRateReconciliationChangeInDeferredTaxAssetsValuationAllowance
0.062 Rate
CY2017 us-gaap Effective Income Tax Rate Reconciliation Change In Deferred Tax Assets Valuation Allowance
EffectiveIncomeTaxRateReconciliationChangeInDeferredTaxAssetsValuationAllowance
-0.127 Rate
CY2016 us-gaap Effective Income Tax Rate Reconciliation Change In Enacted Tax Rate
EffectiveIncomeTaxRateReconciliationChangeInEnactedTaxRate
0.000 Rate
CY2017 us-gaap Effective Income Tax Rate Reconciliation Change In Enacted Tax Rate
EffectiveIncomeTaxRateReconciliationChangeInEnactedTaxRate
-0.087 Rate
CY2016 us-gaap Effective Income Tax Rate Reconciliation Foreign Income Tax Rate Differential
EffectiveIncomeTaxRateReconciliationForeignIncomeTaxRateDifferential
0.075 Rate
CY2017 us-gaap Effective Income Tax Rate Reconciliation Foreign Income Tax Rate Differential
EffectiveIncomeTaxRateReconciliationForeignIncomeTaxRateDifferential
0.006 Rate
CY2016 us-gaap Effective Income Tax Rate Reconciliation Nondeductible Expense Other
EffectiveIncomeTaxRateReconciliationNondeductibleExpenseOther
-0.005 Rate
CY2017 us-gaap Effective Income Tax Rate Reconciliation Nondeductible Expense Other
EffectiveIncomeTaxRateReconciliationNondeductibleExpenseOther
-0.004 Rate
CY2016 us-gaap Effective Income Tax Rate Reconciliation State And Local Income Taxes
EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes
0.006 Rate
CY2017 us-gaap Effective Income Tax Rate Reconciliation State And Local Income Taxes
EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes
0.006 Rate
CY2016 us-gaap Effective Income Tax Rate Reconciliation Tax Contingencies
EffectiveIncomeTaxRateReconciliationTaxContingencies
-0.001 Rate
CY2017 us-gaap Effective Income Tax Rate Reconciliation Tax Contingencies
EffectiveIncomeTaxRateReconciliationTaxContingencies
-0.009 Rate
CY2016Q4 us-gaap Employee Service Share Based Compensation Nonvested Awards Total Compensation Cost Not Yet Recognized Stock Options
EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions
700000 USD
CY2017Q4 us-gaap Employee Service Share Based Compensation Nonvested Awards Total Compensation Cost Not Yet Recognized Stock Options
EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions
900000 USD
CY2016 us-gaap Equity Method Investment Dividends Or Distributions
EquityMethodInvestmentDividendsOrDistributions
5548000 USD
CY2017 us-gaap Equity Method Investment Dividends Or Distributions
EquityMethodInvestmentDividendsOrDistributions
3639000 USD
CY2017Q4 us-gaap Equity Method Investment Ownership Percentage
EquityMethodInvestmentOwnershipPercentage
0.667
CY2016Q4 us-gaap Equity Method Investments
EquityMethodInvestments
6725000 USD
CY2017Q4 us-gaap Equity Method Investments
EquityMethodInvestments
4244000 USD
CY2016 us-gaap Fair Value Inputs Discount Rate
FairValueInputsDiscountRate
0.136
CY2017 us-gaap Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Liability Settlements
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilitySettlements
721000 USD
CY2015Q4 us-gaap Fair Value Measurement With Unobservable Inputs Reconciliations Recurring Basis Liability Value
FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue
20970000 USD
CY2016Q4 us-gaap Fair Value Measurement With Unobservable Inputs Reconciliations Recurring Basis Liability Value
FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue
12276000 USD
CY2017Q4 us-gaap Fair Value Measurement With Unobservable Inputs Reconciliations Recurring Basis Liability Value
FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue
9240000 USD
CY2016 us-gaap Federal Income Tax Expense Benefit Continuing Operations
FederalIncomeTaxExpenseBenefitContinuingOperations
5943000 USD
CY2017 us-gaap Federal Income Tax Expense Benefit Continuing Operations
FederalIncomeTaxExpenseBenefitContinuingOperations
6074000 USD
CY2016 us-gaap Fees And Commissions Credit Cards
FeesAndCommissionsCreditCards
3526000 USD
CY2017 us-gaap Fees And Commissions Credit Cards
FeesAndCommissionsCreditCards
10427000 USD
CY2015Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
21500000 USD
CY2016Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
43300000 USD
CY2017Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
63000000 USD
CY2016Q4 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
42700000 USD
CY2017Q4 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
62600000 USD
CY2016Q4 us-gaap Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1
FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
600000 USD
CY2017Q4 us-gaap Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1
FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
400000 USD
CY2016 us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
5800000 USD
CY2017 us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
5900000 USD
CY2016 us-gaap Financing Receivable Allowance For Credit Losses Write Offs
FinancingReceivableAllowanceForCreditLossesWriteOffs
37700000 USD
CY2017 us-gaap Financing Receivable Allowance For Credit Losses Write Offs
FinancingReceivableAllowanceForCreditLossesWriteOffs
63800000 USD
CY2016Q4 us-gaap Financing Receivable Collectively Evaluated For Impairment
FinancingReceivableCollectivelyEvaluatedForImpairment
289700000 USD
CY2017Q4 us-gaap Financing Receivable Collectively Evaluated For Impairment
FinancingReceivableCollectivelyEvaluatedForImpairment
393300000 USD
CY2016Q4 us-gaap Financing Receivable Individually Evaluated For Impairment
FinancingReceivableIndividuallyEvaluatedForImpairment
1000000 USD
CY2017Q4 us-gaap Financing Receivable Individually Evaluated For Impairment
FinancingReceivableIndividuallyEvaluatedForImpairment
600000 USD
CY2016Q4 us-gaap Financing Receivable Recorded Investment90 Days Past Due And Still Accruing
FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
1500000 USD
CY2017Q4 us-gaap Financing Receivable Recorded Investment90 Days Past Due And Still Accruing
FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
1600000 USD
CY2016Q4 us-gaap Financing Receivable Recorded Investment Current
FinancingReceivableRecordedInvestmentCurrent
252300000 USD
CY2017Q4 us-gaap Financing Receivable Recorded Investment Current
FinancingReceivableRecordedInvestmentCurrent
340300000 USD
CY2016Q4 us-gaap Financing Receivable Recorded Investment Past Due
FinancingReceivableRecordedInvestmentPastDue
38400000 USD
CY2017Q4 us-gaap Financing Receivable Recorded Investment Past Due
FinancingReceivableRecordedInvestmentPastDue
53600000 USD
CY2016 us-gaap Foreign Income Tax Expense Benefit Continuing Operations
ForeignIncomeTaxExpenseBenefitContinuingOperations
-38000 USD
CY2017 us-gaap Foreign Income Tax Expense Benefit Continuing Operations
ForeignIncomeTaxExpenseBenefitContinuingOperations
-86000 USD
CY2016 us-gaap Gain Loss On Repurchase Of Debt Instrument
GainLossOnRepurchaseOfDebtInstrument
-1151000 USD
CY2016 us-gaap Gains Losses On Extinguishment Of Debt
GainsLossesOnExtinguishmentOfDebt
1151000 USD
CY2017 us-gaap Gains Losses On Extinguishment Of Debt
GainsLossesOnExtinguishmentOfDebt
0 USD
CY2016 us-gaap Income Loss From Continuing Operations Before Income Taxes Minority Interest And Income Loss From Equity Method Investments
IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments
-12356000 USD
CY2017 us-gaap Income Loss From Continuing Operations Before Income Taxes Minority Interest And Income Loss From Equity Method Investments
IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments
-47250000 USD
CY2016 us-gaap Income Loss From Equity Method Investments
IncomeLossFromEquityMethodInvestments
2150000 USD
CY2017 us-gaap Income Loss From Equity Method Investments
IncomeLossFromEquityMethodInvestments
1158000 USD
CY2017Q4 us-gaap Income Tax Examination Interest Accrued
IncomeTaxExaminationInterestAccrued
4100000 USD
CY2016 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
-6015000 USD
CY2017 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
-6378000 USD
CY2017 us-gaap Income Tax Reconciliation Change In Enacted Tax Rate
IncomeTaxReconciliationChangeInEnactedTaxRate
4300000 USD
CY2016 us-gaap Income Taxes Paid
IncomeTaxesPaid
437000 USD
CY2017 us-gaap Income Taxes Paid
IncomeTaxesPaid
258000 USD
CY2016 us-gaap Increase Decrease In Accounts Payable And Accrued Liabilities
IncreaseDecreaseInAccountsPayableAndAccruedLiabilities
41436000 USD
CY2017 us-gaap Increase Decrease In Accounts Payable And Accrued Liabilities
IncreaseDecreaseInAccountsPayableAndAccruedLiabilities
23341000 USD
CY2016 us-gaap Increase Decrease In Accrued Income Taxes Payable
IncreaseDecreaseInAccruedIncomeTaxesPayable
-6452000 USD
CY2017 us-gaap Increase Decrease In Accrued Income Taxes Payable
IncreaseDecreaseInAccruedIncomeTaxesPayable
-6637000 USD
CY2016 us-gaap Increase Decrease In Accrued Interest Receivable Net
IncreaseDecreaseInAccruedInterestReceivableNet
4687000 USD
CY2017 us-gaap Increase Decrease In Accrued Interest Receivable Net
IncreaseDecreaseInAccruedInterestReceivableNet
2688000 USD
CY2016 us-gaap Increase Decrease In Deposits Outstanding
IncreaseDecreaseInDepositsOutstanding
-320000 USD
CY2017 us-gaap Increase Decrease In Deposits Outstanding
IncreaseDecreaseInDepositsOutstanding
-253000 USD
CY2016 us-gaap Increase Decrease In Other Operating Assets
IncreaseDecreaseInOtherOperatingAssets
1836000 USD
CY2017 us-gaap Increase Decrease In Other Operating Assets
IncreaseDecreaseInOtherOperatingAssets
15619000 USD
CY2016 us-gaap Increase Decrease In Restricted Cash
IncreaseDecreaseInRestrictedCash
-3869000 USD
CY2017 us-gaap Increase Decrease In Restricted Cash
IncreaseDecreaseInRestrictedCash
12564000 USD
CY2016 us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
70000 shares
CY2017 us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
15000 shares
CY2016 us-gaap Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
88622000 USD
CY2017 us-gaap Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
114707000 USD
CY2016 us-gaap Interest And Fee Income Loans Consumer
InterestAndFeeIncomeLoansConsumer
88389000 USD
CY2017 us-gaap Interest And Fee Income Loans Consumer
InterestAndFeeIncomeLoansConsumer
114488000 USD
CY2016 us-gaap Interest Expense
InterestExpense
20207000 USD
CY2017 us-gaap Interest Expense
InterestExpense
27700000 USD
CY2016 us-gaap Interest Expense Other
InterestExpenseOther
5300000 USD
CY2017 us-gaap Interest Expense Other
InterestExpenseOther
5200000 USD
CY2016 us-gaap Interest Income Expense Net
InterestIncomeExpenseNet
68415000 USD
CY2017 us-gaap Interest Income Expense Net
InterestIncomeExpenseNet
87007000 USD
CY2016 us-gaap Interest Paid
InterestPaid
19481000 USD
CY2017 us-gaap Interest Paid
InterestPaid
25478000 USD
CY2016 us-gaap Labor And Related Expense
LaborAndRelatedExpense
24026000 USD
CY2017 us-gaap Labor And Related Expense
LaborAndRelatedExpense
22751000 USD
CY2017 us-gaap Lessee Leasing Arrangements Operating Leases Term Of Contract
LesseeLeasingArrangementsOperatingLeasesTermOfContract
P15Y
CY2016Q4 us-gaap Liabilities
Liabilities
356770000 USD
CY2017Q4 us-gaap Liabilities
Liabilities
461740000 USD
CY2016Q4 us-gaap Liabilities And Stockholders Equity
LiabilitiesAndStockholdersEquity
362547000 USD
CY2017Q4 us-gaap Liabilities And Stockholders Equity
LiabilitiesAndStockholdersEquity
425613000 USD
CY2016Q4 us-gaap Line Of Credit
LineOfCredit
83184000 USD
CY2017Q4 us-gaap Line Of Credit
LineOfCredit
160854000 USD
CY2016Q4 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
290700000 USD
CY2017Q4 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
393900000 USD
CY2016Q4 us-gaap Loans And Leases Receivable Net Reported Amount
LoansAndLeasesReceivableNetReportedAmount
239431000 USD
CY2017Q4 us-gaap Loans And Leases Receivable Net Reported Amount
LoansAndLeasesReceivableNetReportedAmount
305081000 USD
CY2016Q4 us-gaap Loans Pledged As Collateral
LoansPledgedAsCollateral
69900000 USD
CY2017Q4 us-gaap Loans Pledged As Collateral
LoansPledgedAsCollateral
77900000 USD
CY2016 us-gaap Marketing And Advertising Expense
MarketingAndAdvertisingExpense
4904000 USD
CY2017 us-gaap Marketing And Advertising Expense
MarketingAndAdvertisingExpense
13070000 USD
CY2016Q4 us-gaap Minority Interest
MinorityInterest
-10000 USD
CY2017Q4 us-gaap Minority Interest
MinorityInterest
-94000 USD
CY2016 us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
63459000 USD
CY2017 us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
84639000 USD
CY2016 us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
-75840000 USD
CY2017 us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
-92881000 USD
CY2016 us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
39015000 USD
CY2016 us-gaap Net Income Loss
NetIncomeLoss
-6335000 USD
CY2017 us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
-25465000 USD
CY2017 us-gaap Net Income Loss
NetIncomeLoss
-40781000 USD
CY2016 us-gaap Net Income Loss Attributable To Noncontrolling Interest
NetIncomeLossAttributableToNoncontrollingInterest
-6000 USD
CY2017 us-gaap Net Income Loss Attributable To Noncontrolling Interest
NetIncomeLossAttributableToNoncontrollingInterest
-91000 USD
CY2016 us-gaap Noncontrolling Interest Increase From Subsidiary Equity Issuance
NoncontrollingInterestIncreaseFromSubsidiaryEquityIssuance
4000 USD
CY2017 us-gaap Noncontrolling Interest Increase From Subsidiary Equity Issuance
NoncontrollingInterestIncreaseFromSubsidiaryEquityIssuance
7000 USD
CY2016 us-gaap Noninterest Expense
NoninterestExpense
74170000 USD
CY2017 us-gaap Noninterest Expense
NoninterestExpense
86825000 USD
CY2016 us-gaap Noninterest Income
NoninterestIncome
7708000 USD
CY2017 us-gaap Noninterest Income
NoninterestIncome
6431000 USD
CY2016 us-gaap Noninterest Income Other Operating Income
NoninterestIncomeOtherOperatingIncome
320000 USD
CY2017 us-gaap Noninterest Income Other Operating Income
NoninterestIncomeOtherOperatingIncome
1419000 USD
CY2016 us-gaap Nonoperating Income Expense
NonoperatingIncomeExpense
195000 USD
CY2017 us-gaap Nonoperating Income Expense
NonoperatingIncomeExpense
-2057000 USD
CY2016Q4 us-gaap Notes Payable
NotesPayable
181200000 USD
CY2017Q4 us-gaap Notes Payable
NotesPayable
266200000 USD
CY2016Q4 us-gaap Notes Payable Related Parties Current And Noncurrent
NotesPayableRelatedPartiesCurrentAndNoncurrent
40000000 USD
CY2017Q4 us-gaap Notes Payable Related Parties Current And Noncurrent
NotesPayableRelatedPartiesCurrentAndNoncurrent
40000000 USD
CY2016Q4 us-gaap Notes Payable To Bank
NotesPayableToBank
141166000 USD
CY2017Q4 us-gaap Notes Payable To Bank
NotesPayableToBank
226238000 USD
CY2017 us-gaap Number Of Reportable Segments
NumberOfReportableSegments
2 segment
CY2017Q4 us-gaap Operating Leases Future Minimum Payments Due
OperatingLeasesFutureMinimumPaymentsDue
43445000 USD
CY2017Q4 us-gaap Operating Leases Future Minimum Payments Due Current
OperatingLeasesFutureMinimumPaymentsDueCurrent
9865000 USD
CY2017Q4 us-gaap Operating Leases Future Minimum Payments Due Future Minimum Sublease Rentals
OperatingLeasesFutureMinimumPaymentsDueFutureMinimumSubleaseRentals
31241000 USD
CY2017Q4 us-gaap Operating Leases Future Minimum Payments Due In Five Years
OperatingLeasesFutureMinimumPaymentsDueInFiveYears
4157000 USD
CY2017Q4 us-gaap Operating Leases Future Minimum Payments Due In Four Years
OperatingLeasesFutureMinimumPaymentsDueInFourYears
9832000 USD
CY2017Q4 us-gaap Operating Leases Future Minimum Payments Due In Three Years
OperatingLeasesFutureMinimumPaymentsDueInThreeYears
9808000 USD
CY2017Q4 us-gaap Operating Leases Future Minimum Payments Due In Two Years
OperatingLeasesFutureMinimumPaymentsDueInTwoYears
9783000 USD
CY2017Q4 us-gaap Operating Leases Future Minimum Payments Due Thereafter
OperatingLeasesFutureMinimumPaymentsDueThereafter
0 USD
CY2017Q4 us-gaap Operating Leases Future Minimum Payments Receivable Current
OperatingLeasesFutureMinimumPaymentsReceivableCurrent
6741000 USD
CY2017Q4 us-gaap Operating Leases Future Minimum Payments Receivable In Five Years
OperatingLeasesFutureMinimumPaymentsReceivableInFiveYears
3117000 USD
CY2017Q4 us-gaap Operating Leases Future Minimum Payments Receivable In Four Years
OperatingLeasesFutureMinimumPaymentsReceivableInFourYears
7327000 USD
CY2017Q4 us-gaap Operating Leases Future Minimum Payments Receivable In Three Years
OperatingLeasesFutureMinimumPaymentsReceivableInThreeYears
7126000 USD
CY2017Q4 us-gaap Operating Leases Future Minimum Payments Receivable In Two Years
OperatingLeasesFutureMinimumPaymentsReceivableInTwoYears
6930000 USD
CY2017Q4 us-gaap Operating Leases Future Minimum Payments Receivable Thereafter
OperatingLeasesFutureMinimumPaymentsReceivableThereafter
0 USD
CY2016 us-gaap Operating Leases Rent Expense Net
OperatingLeasesRentExpenseNet
1500000 USD
CY2017 us-gaap Operating Leases Rent Expense Net
OperatingLeasesRentExpenseNet
1700000 USD
CY2017Q4 us-gaap Other Assets Miscellaneous
OtherAssetsMiscellaneous
30400000 USD
CY2016 us-gaap Other Comprehensive Income Loss Foreign Currency Transaction And Translation Adjustment Before Tax
OtherComprehensiveIncomeLossForeignCurrencyTransactionAndTranslationAdjustmentBeforeTax
0 USD
CY2017 us-gaap Other Comprehensive Income Loss Foreign Currency Transaction And Translation Adjustment Before Tax
OtherComprehensiveIncomeLossForeignCurrencyTransactionAndTranslationAdjustmentBeforeTax
-2178000 USD
CY2016 us-gaap Other Comprehensive Income Loss Foreign Currency Transaction And Translation Reclassification Adjustment From Aoci Realized Upon Sale Or Liquidation Net Of Tax
OtherComprehensiveIncomeLossForeignCurrencyTransactionAndTranslationReclassificationAdjustmentFromAOCIRealizedUponSaleOrLiquidationNetOfTax
-600000 USD
CY2017 us-gaap Other Comprehensive Income Loss Foreign Currency Transaction And Translation Reclassification Adjustment From Aoci Realized Upon Sale Or Liquidation Net Of Tax
OtherComprehensiveIncomeLossForeignCurrencyTransactionAndTranslationReclassificationAdjustmentFromAOCIRealizedUponSaleOrLiquidationNetOfTax
0 USD
CY2016 us-gaap Other Comprehensive Income Loss Tax
OtherComprehensiveIncomeLossTax
0 USD
CY2017 us-gaap Other Comprehensive Income Loss Tax
OtherComprehensiveIncomeLossTax
0 USD
CY2016 us-gaap Other Interest And Dividend Income
OtherInterestAndDividendIncome
233000 USD
CY2017 us-gaap Other Interest And Dividend Income
OtherInterestAndDividendIncome
219000 USD
CY2016 us-gaap Other Nonoperating Income Expense
OtherNonoperatingIncomeExpense
-7101000 USD
CY2017 us-gaap Other Nonoperating Income Expense
OtherNonoperatingIncomeExpense
-18449000 USD
CY2016Q4 us-gaap Ownshare Lending Arrangement Shares Outstanding
OwnshareLendingArrangementSharesOutstanding
1459233 shares
CY2017Q4 us-gaap Ownshare Lending Arrangement Shares Outstanding
OwnshareLendingArrangementSharesOutstanding
1459233 shares
CY2005Q4 us-gaap Ownshare Lending Arrangement Shares Outstanding
OwnshareLendingArrangementSharesOutstanding
5677950 shares
CY2017Q4 us-gaap Ownshare Lending Arrangement Shares Outstanding Value
OwnshareLendingArrangementSharesOutstandingValue
3500000.000 USD
CY2016 us-gaap Payments For Proceeds From Other Loans And Leases
PaymentsForProceedsFromOtherLoansAndLeases
381212000 USD
CY2017 us-gaap Payments For Proceeds From Other Loans And Leases
PaymentsForProceedsFromOtherLoansAndLeases
466740000 USD
CY2016 us-gaap Payments For Repurchase Of Common Stock
PaymentsForRepurchaseOfCommonStock
949000 USD
CY2017 us-gaap Payments For Repurchase Of Common Stock
PaymentsForRepurchaseOfCommonStock
389000 USD
CY2016 us-gaap Payments To Acquire Property Plant And Equipment
PaymentsToAcquirePropertyPlantAndEquipment
349000 USD
CY2017 us-gaap Payments To Acquire Property Plant And Equipment
PaymentsToAcquirePropertyPlantAndEquipment
395000 USD
CY2016Q4 us-gaap Prepaid Expense And Other Assets
PrepaidExpenseAndOtherAssets
19416000 USD
CY2017Q4 us-gaap Prepaid Expense And Other Assets
PrepaidExpenseAndOtherAssets
42149000 USD
CY2016 us-gaap Proceeds From Contributions From Affiliates
ProceedsFromContributionsFromAffiliates
4000 USD
CY2017 us-gaap Proceeds From Contributions From Affiliates
ProceedsFromContributionsFromAffiliates
7000 USD
CY2016 us-gaap Proceeds From Issuance Of Long Term Debt
ProceedsFromIssuanceOfLongTermDebt
242388000 USD
CY2017 us-gaap Proceeds From Issuance Of Long Term Debt
ProceedsFromIssuanceOfLongTermDebt
324997000 USD
CY2016 us-gaap Proceeds From Principal Repayments On Loans And Leases Held For Investment
ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment
296304000 USD
CY2017 us-gaap Proceeds From Principal Repayments On Loans And Leases Held For Investment
ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment
383179000 USD
CY2016 us-gaap Proceeds From Stock Options Exercised
ProceedsFromStockOptionsExercised
14000 USD
CY2016 us-gaap Profit Loss
ProfitLoss
-6341000 USD
CY2017 us-gaap Profit Loss
ProfitLoss
-40872000 USD
CY2016Q4 us-gaap Property Plant And Equipment Gross
PropertyPlantAndEquipmentGross
33031000 USD
CY2017Q4 us-gaap Property Plant And Equipment Gross
PropertyPlantAndEquipmentGross
33641000 USD
CY2016Q4 us-gaap Property Plant And Equipment Net
PropertyPlantAndEquipmentNet
3829000 USD
CY2017Q4 us-gaap Property Plant And Equipment Net
PropertyPlantAndEquipmentNet
3229000 USD
CY2016 us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
53721000 USD
CY2017 us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
77612000 USD
CY2016 us-gaap Provision For Loan Lease And Other Losses
ProvisionForLoanLeaseAndOtherLosses
53700000 USD
CY2017 us-gaap Provision For Loan Lease And Other Losses
ProvisionForLoanLeaseAndOtherLosses
77600000 USD
CY2016 us-gaap Repayments Of Long Term Debt
RepaymentsOfLongTermDebt
177984000 USD
CY2017 us-gaap Repayments Of Long Term Debt
RepaymentsOfLongTermDebt
239976000 USD
CY2016Q4 us-gaap Restricted Cash And Cash Equivalents
RestrictedCashAndCashEquivalents
16589000 USD
CY2017Q4 us-gaap Restricted Cash And Cash Equivalents
RestrictedCashAndCashEquivalents
29174000 USD
CY2016Q4 us-gaap Retained Earnings Accumulated Deficit
RetainedEarningsAccumulatedDeficit
-205859000 USD
CY2017Q4 us-gaap Retained Earnings Accumulated Deficit
RetainedEarningsAccumulatedDeficit
-246640000 USD
CY2016Q4 us-gaap Secured Debt
SecuredDebt
57982000 USD
CY2017Q4 us-gaap Secured Debt
SecuredDebt
65384000 USD
CY2016 us-gaap Servicing Fees Net
ServicingFeesNet
4087000 USD
CY2017 us-gaap Servicing Fees Net
ServicingFeesNet
3854000 USD
CY2017Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Number Of Shares Authorized
ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized
1082668 shares
CY2017Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercisable Number
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber
794871 shares
CY2017Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercisable Weighted Average Exercise Price
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice
2.92
CY2017 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Forfeitures In Period
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod
7333 shares
CY2017 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Grants In Period Gross
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross
1215000 shares
CY2017Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Intrinsic Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue
17312 USD
CY2016Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Number
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber
1411667 shares
CY2017Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Number
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber
2619334 shares
CY2016Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Weighted Average Exercise Price
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice
3.09
CY2017Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Weighted Average Exercise Price
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice
3.04
CY2017 us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Exercises In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice
0.00
CY2017 us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Forfeitures In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice
3.04
CY2017 us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Grants In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice
2.98
CY2017Q4 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Exercisable Intrinsic Value1
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1
17312 USD
CY2017 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Exercisable Weighted Average Remaining Contractual Term1
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1
P2Y1M
CY2017 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Outstanding Weighted Average Remaining Contractual Term2
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2
P3Y4M
CY2016 us-gaap State And Local Income Tax Expense Benefit Continuing Operations
StateAndLocalIncomeTaxExpenseBenefitContinuingOperations
110000 USD
CY2017 us-gaap State And Local Income Tax Expense Benefit Continuing Operations
StateAndLocalIncomeTaxExpenseBenefitContinuingOperations
390000 USD
CY2016 us-gaap Stock Issued1
StockIssued1
2310000 USD
CY2017 us-gaap Stock Issued1
StockIssued1
1364000 USD
CY2016 us-gaap Stock Issued During Period Shares Stock Options Exercised
StockIssuedDuringPeriodSharesStockOptionsExercised
5999 shares
CY2017 us-gaap Stock Issued During Period Shares Stock Options Exercised
StockIssuedDuringPeriodSharesStockOptionsExercised
0 shares
CY2016 us-gaap Stock Repurchased And Retired During Period Value
StockRepurchasedAndRetiredDuringPeriodValue
949000 USD
CY2017 us-gaap Stock Repurchased And Retired During Period Value
StockRepurchasedAndRetiredDuringPeriodValue
389000 USD
CY2016Q4 us-gaap Stockholders Equity
StockholdersEquity
5787000 USD
CY2017Q4 us-gaap Stockholders Equity
StockholdersEquity
-36033000 USD
CY2015Q4 us-gaap Stockholders Equity Including Portion Attributable To Noncontrolling Interest
StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest
10951000 USD
CY2016Q4 us-gaap Stockholders Equity Including Portion Attributable To Noncontrolling Interest
StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest
5777000 USD
CY2017Q4 us-gaap Stockholders Equity Including Portion Attributable To Noncontrolling Interest
StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest
-36127000 USD
CY2016 us-gaap Tangible Asset Impairment Charges
TangibleAssetImpairmentCharges
600000 USD
CY2017 us-gaap Tangible Asset Impairment Charges
TangibleAssetImpairmentCharges
0 USD
CY2016Q4 us-gaap Taxes Payable Current And Noncurrent
TaxesPayableCurrentAndNoncurrent
15769000 USD
CY2017Q4 us-gaap Taxes Payable Current And Noncurrent
TaxesPayableCurrentAndNoncurrent
9132000 USD
CY2017Q4 us-gaap Tenant Improvements
TenantImprovements
21200000 USD
CY2015Q4 us-gaap Unrecognized Tax Benefits
UnrecognizedTaxBenefits
1798000 USD
CY2016Q4 us-gaap Unrecognized Tax Benefits
UnrecognizedTaxBenefits
818000 USD
CY2017Q4 us-gaap Unrecognized Tax Benefits
UnrecognizedTaxBenefits
373000 USD
CY2016 us-gaap Unrecognized Tax Benefits Decreases Resulting From Prior Period Tax Positions
UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions
1167000 USD
CY2017 us-gaap Unrecognized Tax Benefits Decreases Resulting From Prior Period Tax Positions
UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions
583000 USD
CY2016 us-gaap Unrecognized Tax Benefits Income Tax Penalties And Interest Expense
UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestExpense
105000 USD
CY2017 us-gaap Unrecognized Tax Benefits Income Tax Penalties And Interest Expense
UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestExpense
51000 USD
CY2016 us-gaap Unrecognized Tax Benefits Income Tax Penalties Expense
UnrecognizedTaxBenefitsIncomeTaxPenaltiesExpense
400000 USD
CY2017 us-gaap Unrecognized Tax Benefits Income Tax Penalties Expense
UnrecognizedTaxBenefitsIncomeTaxPenaltiesExpense
500000 USD
CY2016 us-gaap Unrecognized Tax Benefits Increases Resulting From Prior Period Tax Positions
UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions
82000 USD
CY2017 us-gaap Unrecognized Tax Benefits Increases Resulting From Prior Period Tax Positions
UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions
87000 USD
CY2016Q4 us-gaap Unrecognized Tax Benefits That Would Impact Effective Tax Rate
UnrecognizedTaxBenefitsThatWouldImpactEffectiveTaxRate
800000 USD
CY2017Q4 us-gaap Unrecognized Tax Benefits That Would Impact Effective Tax Rate
UnrecognizedTaxBenefitsThatWouldImpactEffectiveTaxRate
400000 USD
CY2017 us-gaap Valuation Allowance Deferred Tax Asset Change In Amount
ValuationAllowanceDeferredTaxAssetChangeInAmount
11800000 USD
CY2016 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
13937000 shares
CY2016 us-gaap Weighted Average Number Of Shares Restricted Stock
WeightedAverageNumberOfSharesRestrictedStock
300478 shares
CY2017 us-gaap Weighted Average Number Of Shares Restricted Stock
WeightedAverageNumberOfSharesRestrictedStock
281282 shares
CY2017 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
13940000 shares
CY2016 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
13867000 shares
CY2017 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
13925000 shares
CY2017 us-gaap Advertising Cost Policy Expensed Advertising Cost
AdvertisingCostPolicyExpensedAdvertisingCost
<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;font-weight:bold;">Marketing and Solicitation Expenses</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">We expense product solicitation costs, including printing, credit bureaus, list processing, telemarketing, postage and Internet marketing fees, as we incur these costs or expend resources.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></div>
CY2017 us-gaap Use Of Estimates
UseOfEstimates
<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The preparation of financial statements in accordance with GAAP requires us to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities as of the date of our consolidated financial statements, as well as the reported amounts of revenues and expenses during each reporting period. We base these estimates on information available to us as of the date of the financial statements. Actual results could differ materially from these estimates. Certain estimates, such as credit losses, payment rates, costs of funds, discount rates and the yields earned on credit card receivables, significantly affect the reported amount of credit card receivables that we report at fair value and our notes payable associated with structured financings, at fair value; these estimates likewise affect the changes in these amounts reflected within our fees and related income on earning assets line item on our consolidated statements of operations. Additionally, estimates of future credit losses have a significant effect on loans and fees receivable, net, as shown on our consolidated balance sheets, as well as on the provision for losses on loans and fees receivable within our consolidated statements of operations.</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">We have eliminated all significant intercompany balances and transactions for financial reporting purposes.</font></div></div>

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