$RM
Regional Management Corp.

2023 Q4 Form 10-Q Financial Statement

#000095017023058861 Filed on November 03, 2023

View on sec.gov

Income Statement

Concept 2023 Q4 2023 Q3
Revenue $141.7M $140.9M
YoY Change 7.3% 7.17%
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin $52.77M $66.18M
YoY Change 17.51% 6.56%
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $3.434M $3.600M
YoY Change -2.99% 23.5%
% of Gross Profit
Operating Expenses $133.7M $66.18M
YoY Change 15.31% 6.56%
Operating Profit
YoY Change
Interest Expense -$17.51M -$16.95M
YoY Change 17.87% 42.86%
% of Operating Profit
Other Income/Expense, Net $11.88M
YoY Change 4.24%
Pretax Income -$9.532M $10.90M
YoY Change -873.7% -18.4%
Income Tax -$1.958M $2.077M
% Of Pretax Income 19.06%
Net Earnings -$7.574M $8.820M
YoY Change -416.77% -12.4%
Net Earnings / Revenue -5.35% 6.26%
Basic Earnings Per Share $0.94
Diluted Earnings Per Share -$0.80 $0.91
COMMON SHARES
Basic Shares Outstanding 9.835M 9.837M
Diluted Shares Outstanding 9.650M

Balance Sheet

Concept 2023 Q4 2023 Q3
SHORT-TERM ASSETS
Cash & Short-Term Investments $4.509M $7.400M
YoY Change 16.42% 135.67%
Cash & Equivalents $128.7M $124.4M
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets $4.509M $7.400M
YoY Change 16.42% 135.67%
LONG-TERM ASSETS
Property, Plant & Equipment $48.09M $14.16M
YoY Change 231.06% 14.45%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments $22.74M $22.50M
YoY Change 11.38% 10.89%
Other Assets $137.8M $131.2M
YoY Change -2.77% 0.38%
Total Long-Term Assets $1.790B $1.758B
YoY Change 4.0% 9.64%
TOTAL ASSETS
Total Short-Term Assets $4.509M $7.400M
Total Long-Term Assets $1.790B $1.758B
Total Assets $1.795B $1.765B
YoY Change 4.03% 9.88%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $40.44M $30.60M
YoY Change 19.67% -10.62%
Accrued Expenses $36.58M $37.10M
YoY Change -0.37% 14.27%
Deferred Revenue
YoY Change
Short-Term Debt $0.00 $0.00
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $77.02M $67.70M
YoY Change 9.23% 1.49%
LONG-TERM LIABILITIES
Long-Term Debt $1.395B $1.367B
YoY Change 3.67% 11.02%
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities $1.395B $1.367B
YoY Change 3.67% 11.02%
TOTAL LIABILITIES
Total Short-Term Liabilities $77.02M $67.70M
Total Long-Term Liabilities $1.395B $1.367B
Total Liabilities $1.472B $1.435B
YoY Change 3.95% 10.53%
SHAREHOLDERS EQUITY
Retained Earnings $349.6M $360.2M
YoY Change 1.17% 4.07%
Common Stock $123.2M $121.0M
YoY Change 8.25% 7.08%
Preferred Stock
YoY Change
Treasury Stock (at cost) $150.1M $150.1M
YoY Change 0.0% 0.0%
Treasury Stock Shares
Shareholders Equity $322.3M $330.6M
YoY Change
Total Liabilities & Shareholders Equity $1.795B $1.765B
YoY Change 4.03% 9.88%

Cashflow Statement

Concept 2023 Q4 2023 Q3
OPERATING ACTIVITIES
Net Income -$7.574M $8.820M
YoY Change -416.77% -12.4%
Depreciation, Depletion And Amortization $3.434M $3.600M
YoY Change -2.99% 23.5%
Cash From Operating Activities $66.87M $67.60M
YoY Change 11.32% 23.27%
INVESTING ACTIVITIES
Capital Expenditures $2.770M $2.900M
YoY Change -43.1% -222.78%
Acquisitions
YoY Change
Other Investing Activities -$81.75M -$106.6M
YoY Change -44.28% -18.89%
Cash From Investing Activities -$84.62M -$109.3M
YoY Change -44.18% -18.3%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 21.93M 24.80M
YoY Change -79.37% -42.62%
NET CHANGE
Cash From Operating Activities 66.87M 67.60M
Cash From Investing Activities -84.62M -109.3M
Cash From Financing Activities 21.93M 24.80M
Net Change In Cash 4.174M -16.90M
YoY Change -71.79% -52.69%
FREE CASH FLOW
Cash From Operating Activities $66.87M $67.60M
Capital Expenditures $2.770M $2.900M
Free Cash Flow $64.10M $64.70M
YoY Change 16.11% 13.11%

Facts In Submission

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AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation
933000
us-gaap Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value
AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue
7798000
us-gaap Net Income Loss
NetIncomeLoss
23532000
us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
188000
CY2023Q3 us-gaap Stockholders Equity
StockholdersEquity
330585000
CY2021Q4 us-gaap Stockholders Equity
StockholdersEquity
282736000
us-gaap Dividends Cash
DividendsCash
8855000
us-gaap Stock Issued During Period Value Stock Options Exercised
StockIssuedDuringPeriodValueStockOptionsExercised
6000
us-gaap Treasury Stock Value Acquired Cost Method
TreasuryStockValueAcquiredCostMethod
20613000
us-gaap Adjustments Related To Tax Withholding For Share Based Compensation
AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation
1337000
us-gaap Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value
AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue
8139000
us-gaap Net Income Loss
NetIncomeLoss
48833000
us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
-456000
CY2022Q3 us-gaap Stockholders Equity
StockholdersEquity
308453000
us-gaap Profit Loss
ProfitLoss
23532000
us-gaap Profit Loss
ProfitLoss
48833000
us-gaap Provision For Doubtful Accounts
ProvisionForDoubtfulAccounts
151149000
us-gaap Provision For Doubtful Accounts
ProvisionForDoubtfulAccounts
124329000
us-gaap Depreciation Depletion And Amortization
DepreciationDepletionAndAmortization
11200000
us-gaap Depreciation Depletion And Amortization
DepreciationDepletionAndAmortization
9149000
us-gaap Amortization Of Deferred Loan Origination Fees Net
AmortizationOfDeferredLoanOriginationFeesNet
10996000
us-gaap Amortization Of Deferred Loan Origination Fees Net
AmortizationOfDeferredLoanOriginationFeesNet
12005000
rm Gain Loss On Disposition Of Intangible Assets And Property Plant Equipment
GainLossOnDispositionOfIntangibleAssetsAndPropertyPlantEquipment
-632000
rm Gain Loss On Disposition Of Intangible Assets And Property Plant Equipment
GainLossOnDispositionOfIntangibleAssetsAndPropertyPlantEquipment
-96000
us-gaap Share Based Compensation
ShareBasedCompensation
7798000
us-gaap Share Based Compensation
ShareBasedCompensation
8139000
us-gaap Deferred Income Taxes And Tax Credits
DeferredIncomeTaxesAndTaxCredits
-380000
us-gaap Deferred Income Taxes And Tax Credits
DeferredIncomeTaxesAndTaxCredits
1705000
us-gaap Increase Decrease In Unearned Premiums
IncreaseDecreaseInUnearnedPremiums
-2244000
us-gaap Increase Decrease In Unearned Premiums
IncreaseDecreaseInUnearnedPremiums
1952000
rm Increase Decrease In Lease Assets
IncreaseDecreaseInLeaseAssets
343000
rm Increase Decrease In Lease Assets
IncreaseDecreaseInLeaseAssets
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us-gaap Increase Decrease In Other Operating Assets
IncreaseDecreaseInOtherOperatingAssets
-4187000
us-gaap Increase Decrease In Other Operating Assets
IncreaseDecreaseInOtherOperatingAssets
3678000
us-gaap Increase Decrease In Accounts Payable And Accrued Liabilities
IncreaseDecreaseInAccountsPayableAndAccruedLiabilities
-2645000
us-gaap Increase Decrease In Accounts Payable And Accrued Liabilities
IncreaseDecreaseInAccountsPayableAndAccruedLiabilities
-14593000
rm Increase Decrease In Lease Liabilities
IncreaseDecreaseInLeaseLiabilities
383000
rm Increase Decrease In Lease Liabilities
IncreaseDecreaseInLeaseLiabilities
1768000
us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
182273000
us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
164263000
us-gaap Payments To Acquire Loans Receivable
PaymentsToAcquireLoansReceivable
1133780000
us-gaap Payments To Acquire Loans Receivable
PaymentsToAcquireLoansReceivable
1174257000
us-gaap Proceeds From Collection Of Finance Receivables
ProceedsFromCollectionOfFinanceReceivables
950765000
us-gaap Proceeds From Collection Of Finance Receivables
ProceedsFromCollectionOfFinanceReceivables
905944000
us-gaap Payments To Acquire Intangible Assets
PaymentsToAcquireIntangibleAssets
5626000
us-gaap Payments To Acquire Intangible Assets
PaymentsToAcquireIntangibleAssets
3896000
us-gaap Payments To Acquire Property Plant And Equipment
PaymentsToAcquirePropertyPlantAndEquipment
3629000
us-gaap Payments To Acquire Property Plant And Equipment
PaymentsToAcquirePropertyPlantAndEquipment
2644000
us-gaap Payments To Acquire Available For Sale Securities Debt
PaymentsToAcquireAvailableForSaleSecuritiesDebt
5900000
us-gaap Payments To Acquire Available For Sale Securities Debt
PaymentsToAcquireAvailableForSaleSecuritiesDebt
23974000
us-gaap Proceeds From Sale Of Available For Sale Securities Debt
ProceedsFromSaleOfAvailableForSaleSecuritiesDebt
3130000
us-gaap Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities
ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities
4061000
us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
-194109000
us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
-295697000
us-gaap Proceeds From Lines Of Credit
ProceedsFromLinesOfCredit
1243468000
us-gaap Proceeds From Lines Of Credit
ProceedsFromLinesOfCredit
1364443000
us-gaap Repayments Of Lines Of Credit
RepaymentsOfLinesOfCredit
1226431000
us-gaap Repayments Of Lines Of Credit
RepaymentsOfLinesOfCredit
1372670000
us-gaap Proceeds From Accounts Receivable Securitization
ProceedsFromAccountsReceivableSecuritization
250000000
us-gaap Repayments Of Accounts Receivable Securitization
RepaymentsOfAccountsReceivableSecuritization
109228000
us-gaap Payments Of Debt Issuance Costs
PaymentsOfDebtIssuanceCosts
2764000
us-gaap Payments Of Debt Issuance Costs
PaymentsOfDebtIssuanceCosts
2760000
us-gaap Payments Related To Tax Withholding For Share Based Compensation
PaymentsRelatedToTaxWithholdingForShareBasedCompensation
1036000
us-gaap Payments Related To Tax Withholding For Share Based Compensation
PaymentsRelatedToTaxWithholdingForShareBasedCompensation
1332000
us-gaap Payments Of Ordinary Dividends
PaymentsOfOrdinaryDividends
9047000
us-gaap Payments Of Ordinary Dividends
PaymentsOfOrdinaryDividends
8590000
us-gaap Payments For Repurchase Of Common Stock
PaymentsForRepurchaseOfCommonStock
20613000
us-gaap Proceeds From Stock Options Exercised
ProceedsFromStockOptionsExercised
289000
us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
4479000
us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
99250000
us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect
-7357000
us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect
-32184000
CY2022Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
131799000
CY2021Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
149189000
CY2023Q3 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
124442000
CY2022Q3 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
117005000
us-gaap Interest Paid Net
InterestPaidNet
44310000
us-gaap Interest Paid Net
InterestPaidNet
28013000
us-gaap Income Taxes Paid Net
IncomeTaxesPaidNet
2784000
us-gaap Income Taxes Paid Net
IncomeTaxesPaidNet
26763000
us-gaap Operating Lease Payments
OperatingLeasePayments
7367000
us-gaap Operating Lease Payments
OperatingLeasePayments
4253000
us-gaap Right Of Use Asset Obtained In Exchange For Operating Lease Liability
RightOfUseAssetObtainedInExchangeForOperatingLeaseLiability
6387000
us-gaap Right Of Use Asset Obtained In Exchange For Operating Lease Liability
RightOfUseAssetObtainedInExchangeForOperatingLeaseLiability
7226000
CY2023Q3 us-gaap Cash
Cash
7413000
CY2022Q4 us-gaap Cash
Cash
3873000
CY2022Q3 us-gaap Cash
Cash
3140000
CY2023Q3 us-gaap Restricted Cash And Cash Equivalents
RestrictedCashAndCashEquivalents
117029000
CY2022Q4 us-gaap Restricted Cash And Cash Equivalents
RestrictedCashAndCashEquivalents
127926000
CY2022Q3 us-gaap Restricted Cash And Cash Equivalents
RestrictedCashAndCashEquivalents
113865000
CY2023Q3 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
124442000
CY2022Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
131799000
CY2022Q3 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
117005000
us-gaap Nature Of Operations
NatureOfOperations
<p style="text-indent:0;font-size:10pt;margin-top:13.5pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><span style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Calibri',sans-serif;min-width:fit-content;">Note 1. Nature of Business</span><span style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Calibri',sans-serif;min-width:fit-content;"> </span></p><p style="text-indent:0;font-size:10pt;margin-top:4.5pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><span style="color:#000000;white-space:pre-wrap;font-weight:normal;font-size:10pt;font-family:'Calibri',sans-serif;min-width:fit-content;">Regional Management Corp. (the “</span><span style="color:#000000;white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10pt;font-family:'Calibri',sans-serif;min-width:fit-content;">Company</span><span style="color:#000000;white-space:pre-wrap;font-weight:normal;font-size:10pt;font-family:'Calibri',sans-serif;min-width:fit-content;">”) was incorporated and began operations in 1987. The Company is engaged in the consumer finance business, offering small loans, large loans, and related payment and collateral protection insurance products. The Company formerly offered retail loans but ceased accepting applications for retail loan products effective November 2022. The Company continues to own and service its existing portfolio of retail loans. As of September 30, 2023, the Company operated under the name “Regional Finance” online and in branch locations in </span><span style="font-size:10pt;font-family:'Calibri',sans-serif;color:#000000;white-space:pre-wrap;font-weight:normal;font-size:10pt;font-family:'Calibri',sans-serif;min-width:fit-content;">19</span><span style="color:#000000;white-space:pre-wrap;font-weight:normal;font-size:10pt;font-family:'Calibri',sans-serif;min-width:fit-content;"> states across the United States.</span><span style="color:#000000;white-space:pre-wrap;font-weight:normal;font-size:10pt;font-family:'Calibri',sans-serif;min-width:fit-content;"> </span></p><p style="text-indent:0;font-size:10pt;margin-top:9pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><span style="color:#000000;white-space:pre-wrap;font-weight:normal;font-size:10pt;font-family:'Calibri',sans-serif;min-width:fit-content;">The Company’s small loan portfolio is comprised of branch small loan receivables and convenience check receivables. Branch small loan receivables are direct loans to customers and are secured by non-essential household goods and, in some instances, an automobile. Convenience checks are direct loans originated by mailing checks to customers based on a pre-screening process that includes a review of the prospective customer’s credit profile provided by national credit reporting bureaus or data aggregators. A recipient of a convenience check is able to enter into a loan by endorsing and depositing or cashing the check. Large loan receivables are direct loans to customers, some of which are convenience check receivables and the vast majority of which are secured by non-essential household goods, automobiles, and/or other vehicles. Retail loan receivables consist principally of retail installment sales contracts collateralized by the purchased furniture, appliances, and other retail items and are initiated by and purchased from retailers, subject to the Company’s credit approval.</span></p><p style="text-indent:0;font-size:10pt;margin-top:9pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><span style="color:#000000;white-space:pre-wrap;font-weight:normal;font-size:10pt;font-family:'Calibri',sans-serif;min-width:fit-content;">The Company’s loan volume and contractual delinquency follow seasonal trends. Demand for the Company’s loans is typically highest during the second, third, and fourth quarters, which the Company believes is largely due to customers borrowing money for vacation, back-to-school, and holiday spending. Loan demand has generally been the lowest during the first quarter, which the Company believes is largely due to the timing of income tax refunds. Delinquencies generally reach their lowest point in the first half of the year and rise in the second half of the year. Changes in quarterly growth or liquidation could result in larger allowance for credit loss releases in periods of portfolio liquidation and larger provisions for credit losses in periods of portfolio growth. Consequently, the Company experiences seasonal fluctuations in its operating results. However, changes in macroeconomic factors, including inflation, rising interest rates, and geopolitical conflict, have impacted the Company’s typical seasonal trends for loan volume and delinquency.</span><span style="color:#000000;white-space:pre-wrap;font-weight:normal;font-size:10pt;font-family:'Calibri',sans-serif;min-width:fit-content;"> </span></p>
CY2023Q3 us-gaap Number Of States In Which Entity Operates
NumberOfStatesInWhichEntityOperates
19
us-gaap Use Of Estimates
UseOfEstimates
<p style="text-indent:0;font-size:10pt;margin-top:9pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><span style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Calibri',sans-serif;font-style:italic;min-width:fit-content;">Use of estimates:</span><span style="color:#000000;white-space:pre-wrap;font-weight:normal;font-size:10pt;font-family:'Calibri',sans-serif;min-width:fit-content;"> The preparation of financial statements requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities, revenues and expenses, and disclosure of contingent assets and liabilities for the periods indicated in the financial statements. Actual results could differ from those estimates.</span><span style="color:#000000;white-space:pre-wrap;font-weight:normal;font-size:10pt;font-family:'Calibri',sans-serif;min-width:fit-content;"> </span></p><p style="text-indent:0;font-size:10pt;margin-top:9pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><span style="color:#000000;white-space:pre-wrap;font-weight:normal;font-size:10pt;font-family:'Calibri',sans-serif;min-width:fit-content;">Estimates that are susceptible to change relate to the determination of the allowance for credit losses, the valuation of deferred tax assets and liabilities, and the fair value of financial instruments.</span><span style="color:#000000;white-space:pre-wrap;font-weight:normal;font-size:10pt;font-family:'Calibri',sans-serif;min-width:fit-content;"> </span></p>
rm Threshold Period Past Due For Write Off Of Financing Receivables
ThresholdPeriodPastDueForWriteOffOfFinancingReceivables
P180D
rm Bankruptcy Threshold Period Past Due For Write Off Of Financing Receivables
BankruptcyThresholdPeriodPastDueForWriteOffOfFinancingReceivables
P60D
rm Finance Receivables Income Recognition Contractual Delinquent Period
FinanceReceivablesIncomeRecognitionContractualDelinquentPeriod
P90D
CY2023Q3 us-gaap Financing Receivable Threshold Period Past Due Writeoff
FinancingReceivableThresholdPeriodPastDueWriteoff
P90D
CY2023Q3 us-gaap Loans And Leases Receivable Net Of Deferred Income
LoansAndLeasesReceivableNetOfDeferredIncome
1751009000
CY2022Q4 us-gaap Loans And Leases Receivable Net Of Deferred Income
LoansAndLeasesReceivableNetOfDeferredIncome
1699393000
CY2023Q3 us-gaap Unamortized Loan Commitment And Origination Fees And Unamortized Discounts Or Premiums
UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums
14900000
CY2022Q4 us-gaap Unamortized Loan Commitment And Origination Fees And Unamortized Discounts Or Premiums
UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums
16000000.0
rm Number Of Fico Band Categories
NumberOfFICOBandCategories
6
CY2023Q3 us-gaap Financing Receivable Originated In Current Fiscal Year
FinancingReceivableOriginatedInCurrentFiscalYear
945380000
CY2023Q3 us-gaap Financing Receivable Originated In Fiscal Year Before Latest Fiscal Year
FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear
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CY2023Q3 us-gaap Financing Receivable Originated Two Years Before Latest Fiscal Year
FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear
168855000
CY2023Q3 us-gaap Financing Receivable Originated Three Years Before Latest Fiscal Year
FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear
30579000
CY2023Q3 us-gaap Financing Receivable Originated Four Years Before Latest Fiscal Year
FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear
5984000
CY2023Q3 us-gaap Financing Receivable Originated Five Or More Years Before Latest Fiscal Year
FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear
943000
CY2023Q3 us-gaap Loans And Leases Receivable Net Of Deferred Income
LoansAndLeasesReceivableNetOfDeferredIncome
1751009000
CY2023Q3 rm Financing Receivable Current Period Credit Losses In Current Fiscal Year
FinancingReceivableCurrentPeriodCreditLossesInCurrentFiscalYear
5327000
CY2023Q3 rm Financing Receivable Credit Losses Before Latest Fiscal Year
FinancingReceivableCreditLossesBeforeLatestFiscalYear
103018000
CY2023Q3 rm Financing Receivable Credit Losses Two Years Before Latest Fiscal Year
FinancingReceivableCreditLossesTwoYearsBeforeLatestFiscalYear
37490000
CY2023Q3 rm Financing Receivable Credit Losses Three Years Before Latest Fiscal Year
FinancingReceivableCreditLossesThreeYearsBeforeLatestFiscalYear
4815000
CY2023Q3 rm Financing Receivable Credit Losses Four Years Before Latest Fiscal Year
FinancingReceivableCreditLossesFourYearsBeforeLatestFiscalYear
1292000
CY2023Q3 rm Financing Receivable Credit Losses More Than Five Years Before Latest Fiscal Year
FinancingReceivableCreditLossesMoreThanFiveYearsBeforeLatestFiscalYear
227000
CY2023Q3 rm Loans And Leases Receivable Current Period Credit Losses
LoansAndLeasesReceivableCurrentPeriodCreditLosses
152169000
CY2022Q4 us-gaap Financing Receivable Originated In Current Fiscal Year
FinancingReceivableOriginatedInCurrentFiscalYear
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CY2022Q4 us-gaap Financing Receivable Originated In Fiscal Year Before Latest Fiscal Year
FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear
376467000
CY2022Q4 us-gaap Financing Receivable Originated Two Years Before Latest Fiscal Year
FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear
74424000
CY2022Q4 us-gaap Financing Receivable Originated Three Years Before Latest Fiscal Year
FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear
22270000
CY2022Q4 us-gaap Financing Receivable Originated Four Years Before Latest Fiscal Year
FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear
1779000
CY2022Q4 us-gaap Financing Receivable Originated Five Or More Years Before Latest Fiscal Year
FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear
974000
CY2022Q4 us-gaap Loans And Leases Receivable Net Of Deferred Income
LoansAndLeasesReceivableNetOfDeferredIncome
1699393000
CY2023Q3 us-gaap Financing Receivable Percent Past Due1
FinancingReceivablePercentPastDue1
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CY2023Q3 us-gaap Loans And Leases Receivable Net Of Deferred Income
LoansAndLeasesReceivableNetOfDeferredIncome
1751009000
CY2023Q3 rm Finance Receivable Net Percent
FinanceReceivableNetPercent
1
CY2023Q3 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
72789000
CY2023Q3 rm Financing Receivable Recorded Investment Nonaccrual Status Percent
FinancingReceivableRecordedInvestmentNonaccrualStatusPercent
0.042
CY2022Q4 us-gaap Financing Receivable Percent Past Due1
FinancingReceivablePercentPastDue1
0.071
CY2022Q4 us-gaap Loans And Leases Receivable Net Of Deferred Income
LoansAndLeasesReceivableNetOfDeferredIncome
1699393000
CY2022Q4 rm Finance Receivable Net Percent
FinanceReceivableNetPercent
1
CY2022Q4 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
60061000
CY2022Q4 rm Financing Receivable Recorded Investment Nonaccrual Status Percent
FinancingReceivableRecordedInvestmentNonaccrualStatusPercent
0.035
CY2023Q3 us-gaap Financing Receivable Accrued Interest Writeoff
FinancingReceivableAccruedInterestWriteoff
5400000
CY2022Q3 us-gaap Financing Receivable Accrued Interest Writeoff
FinancingReceivableAccruedInterestWriteoff
4300000
us-gaap Financing Receivable Accrued Interest Writeoff
FinancingReceivableAccruedInterestWriteoff
16400000
us-gaap Financing Receivable Accrued Interest Writeoff
FinancingReceivableAccruedInterestWriteoff
12400000
CY2023Q2 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
181400000
CY2023Q3 us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
50930000
CY2023Q3 us-gaap Allowance For Loan And Lease Losses Write Offs
AllowanceForLoanAndLeaseLossesWriteOffs
49951000
CY2023Q3 us-gaap Allowance For Loan And Lease Loss Recovery Of Bad Debts
AllowanceForLoanAndLeaseLossRecoveryOfBadDebts
2521000
CY2023Q3 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
184900000
CY2023Q3 us-gaap Loans And Leases Receivable Net Of Deferred Income
LoansAndLeasesReceivableNetOfDeferredIncome
1751009000
CY2023Q3 rm Allowance Percentage Of Finance Receivables
AllowancePercentageOfFinanceReceivables
0.106
CY2022Q2 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
167500000
CY2022Q3 us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
48071000
CY2022Q3 us-gaap Allowance For Loan And Lease Losses Write Offs
AllowanceForLoanAndLeaseLossesWriteOffs
37376000
CY2022Q3 us-gaap Allowance For Loan And Lease Loss Recovery Of Bad Debts
AllowanceForLoanAndLeaseLossRecoveryOfBadDebts
1605000
CY2022Q3 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
179800000
CY2022Q3 us-gaap Loans And Leases Receivable Net Of Deferred Income
LoansAndLeasesReceivableNetOfDeferredIncome
1607598000
CY2022Q3 rm Allowance Percentage Of Finance Receivables
AllowancePercentageOfFinanceReceivables
0.112
CY2022Q4 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
178800000
us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
151149000
us-gaap Allowance For Loan And Lease Losses Write Offs
AllowanceForLoanAndLeaseLossesWriteOffs
152169000
us-gaap Allowance For Loan And Lease Loss Recovery Of Bad Debts
AllowanceForLoanAndLeaseLossRecoveryOfBadDebts
7120000
CY2023Q3 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
184900000
CY2023Q3 us-gaap Loans And Leases Receivable Net Of Deferred Income
LoansAndLeasesReceivableNetOfDeferredIncome
1751009000
CY2023Q3 rm Allowance Percentage Of Finance Receivables
AllowancePercentageOfFinanceReceivables
0.106
CY2021Q4 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
159300000
us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
124329000
us-gaap Allowance For Loan And Lease Losses Write Offs
AllowanceForLoanAndLeaseLossesWriteOffs
108414000
us-gaap Allowance For Loan And Lease Loss Recovery Of Bad Debts
AllowanceForLoanAndLeaseLossRecoveryOfBadDebts
4585000
CY2022Q3 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
179800000
CY2022Q3 us-gaap Loans And Leases Receivable Net Of Deferred Income
LoansAndLeasesReceivableNetOfDeferredIncome
1607598000
CY2022Q3 rm Allowance Percentage Of Finance Receivables
AllowancePercentageOfFinanceReceivables
0.112
CY2023Q3 us-gaap Financing Receivable Modifications Post Modification Recorded Investment2
FinancingReceivableModificationsPostModificationRecordedInvestment2
5403000
CY2023Q3 us-gaap Financing Receivable Modification To Total Financing Receivables Percent
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us-gaap Financing Receivable Modification To Total Financing Receivables Percent
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CY2022Q3 us-gaap Financing Receivable Modifications Subsequent Default Recorded Investment1
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rm Share Based Compensation Arrangement By Share Based Payment Award Per Share Weighted Average Price Of Shares Repurchased
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CY2022Q3 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
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IncomeTaxExpenseBenefit
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CY2022Q3 us-gaap Weighted Average Number Of Shares Outstanding Basic
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WeightedAverageNumberOfSharesOutstandingBasic
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CY2023Q3 us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
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CY2022Q3 us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
331000
us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
228000
us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
409000
CY2023Q3 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
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CY2022Q3 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
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us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
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us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
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CY2023Q3 us-gaap Earnings Per Share Basic
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CY2022Q3 us-gaap Earnings Per Share Basic
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us-gaap Earnings Per Share Basic
EarningsPerShareBasic
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us-gaap Earnings Per Share Basic
EarningsPerShareBasic
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CY2023Q3 us-gaap Earnings Per Share Diluted
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CY2022Q3 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
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us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
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us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
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us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Expiration Period
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CY2022Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Number
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CY2023Q3 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Number
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CY2023Q3 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Weighted Average Exercise Price
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CY2023Q3 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Intrinsic Value
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CY2023Q3 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercisable Number
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CY2023Q3 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercisable Weighted Average Exercise Price
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us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested Weighted Average Grant Date Fair Value
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedWeightedAverageGrantDateFairValue
0
us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercises In Period Total Intrinsic Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue
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us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercises In Period Total Intrinsic Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue
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CY2023Q3 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested In Period Fair Value1
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CY2022Q3 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested In Period Fair Value1
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8000
us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested In Period Fair Value1
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedInPeriodFairValue1
20000
us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested In Period Fair Value1
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ecd Rule10b51 Arr Adopted Flag
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ecd Non Rule10b51 Arr Trmntd Flag
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false

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