$RM
Regional Management Corp.

2019 Q1 Form 10-Q Financial Statement

#000119312519141488 Filed on May 08, 2019

View on sec.gov

Income Statement

Concept 2019 Q1 2018 Q1
Revenue $81.75M $72.63M
YoY Change 12.56% 10.34%
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin $39.83M $36.05M
YoY Change 10.51% 10.37%
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $2.633M $2.024M
YoY Change 30.09% 26.26%
% of Gross Profit
Operating Expenses $39.83M $36.05M
YoY Change 10.51% 10.37%
Operating Profit
YoY Change
Interest Expense $9.721M $7.177M
YoY Change 35.45% 37.68%
% of Operating Profit
Other Income/Expense, Net $7.974M $6.293M
YoY Change 26.71% -7.4%
Pretax Income $10.50M $11.34M
YoY Change -7.41% 13.19%
Income Tax $2.393M $2.697M
% Of Pretax Income 22.79% 23.78%
Net Earnings $8.108M $8.644M
YoY Change -6.2% 13.23%
Net Earnings / Revenue 9.92% 11.9%
Basic Earnings Per Share $0.69 $0.74
Diluted Earnings Per Share $0.67 $0.72
COMMON SHARES
Basic Shares Outstanding 11.71M 11.62M shares
Diluted Shares Outstanding 12.08M 12.03M shares

Balance Sheet

Concept 2019 Q1 2018 Q1
SHORT-TERM ASSETS
Cash & Short-Term Investments $2.300M $3.200M
YoY Change -28.13% -8.57%
Cash & Equivalents $41.25M $22.31M
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets $2.300M $3.200M
YoY Change -28.13% -8.57%
LONG-TERM ASSETS
Property, Plant & Equipment $14.18M $12.21M
YoY Change 16.1% 2.83%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $38.90M $19.10M
YoY Change 103.66% 98.96%
Total Long-Term Assets $951.2M $811.6M
YoY Change 17.2% 18.15%
TOTAL ASSETS
Total Short-Term Assets $2.300M $3.200M
Total Long-Term Assets $951.2M $811.6M
Total Assets $953.5M $814.8M
YoY Change 17.02% 18.01%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $17.50M $16.00M
YoY Change 9.38% 4.58%
Accrued Expenses $26.50M
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt $0.00 $0.00
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $44.00M $16.00M
YoY Change 175.0% 4.58%
LONG-TERM LIABILITIES
Long-Term Debt $620.4M $545.9M
YoY Change 13.65% 18.44%
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities $620.4M $545.9M
YoY Change 13.65% 18.44%
TOTAL LIABILITIES
Total Short-Term Liabilities $44.00M $16.00M
Total Long-Term Liabilities $620.4M $545.9M
Total Liabilities $665.7M $565.9M
YoY Change 17.64% 18.81%
SHAREHOLDERS EQUITY
Retained Earnings $212.2M $177.4M
YoY Change 19.62% 21.15%
Common Stock $100.7M $96.60M
YoY Change 4.2% 4.09%
Preferred Stock
YoY Change
Treasury Stock (at cost) $25.05M $25.05M
YoY Change 0.0% 0.0%
Treasury Stock Shares 1.546M shares 1.546M shares
Shareholders Equity $287.8M $249.0M
YoY Change
Total Liabilities & Shareholders Equity $953.5M $814.8M
YoY Change 17.02% 18.01%

Cashflow Statement

Concept 2019 Q1 2018 Q1
OPERATING ACTIVITIES
Net Income $8.108M $8.644M
YoY Change -6.2% 13.23%
Depreciation, Depletion And Amortization $2.633M $2.024M
YoY Change 30.09% 26.26%
Cash From Operating Activities $30.70M $31.79M
YoY Change -3.45% 10.4%
INVESTING ACTIVITIES
Capital Expenditures $1.315M $844.0K
YoY Change 55.81% -45.37%
Acquisitions
YoY Change
Other Investing Activities -$5.300M -$8.200M
YoY Change -35.37% -341.18%
Cash From Investing Activities -$6.789M -$9.826M
YoY Change -30.91% -1328.25%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities -32.80M -21.67M
YoY Change 51.33% -28.94%
NET CHANGE
Cash From Operating Activities 30.70M 31.79M
Cash From Investing Activities -6.789M -9.826M
Cash From Financing Activities -32.80M -21.67M
Net Change In Cash -8.893M 294.0K
YoY Change -3124.83% -184.24%
FREE CASH FLOW
Cash From Operating Activities $30.70M $31.79M
Capital Expenditures $1.315M $844.0K
Free Cash Flow $29.38M $30.95M
YoY Change -5.07% 13.56%

Facts In Submission

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CY2018Q1 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Fair Value Assumptions Risk Free Interest Rate
ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate
0.0266 pure
CY2018Q1 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested Weighted Average Grant Date Fair Value
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedWeightedAverageGrantDateFairValue
12.39
CY2018Q1 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Fair Value Assumptions Expected Volatility Rate
ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate
0.4163 pure
CY2018Q1 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercises In Period Total Intrinsic Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue
1030000
CY2018Q1 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested In Period Fair Value1
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedInPeriodFairValue1
199000
CY2018Q1 us-gaap Unrealized Gain Loss On Derivatives
UnrealizedGainLossOnDerivatives
121000
CY2018Q1 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
12030000 shares
CY2018Q1 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
11618000 shares
CY2018Q1 us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
412000 shares
CY2019Q1 us-gaap Adjustments Related To Tax Withholding For Share Based Compensation
AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation
450000
CY2019Q1 dei Amendment Flag
AmendmentFlag
false
CY2019Q1 us-gaap Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value
AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue
997000
CY2019Q1 us-gaap Allowance For Loan And Lease Losses Write Offs
AllowanceForLoanAndLeaseLossesWriteOffs
26377000
CY2019Q1 us-gaap Allowance For Loan And Lease Loss Recovery Of Bad Debts
AllowanceForLoanAndLeaseLossRecoveryOfBadDebts
1134000
CY2019Q1 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.67
CY2019Q1 dei Entity Central Index Key
EntityCentralIndexKey
0001519401
CY2019Q1 dei Entity Registrant Name
EntityRegistrantName
Regional Management Corp.
CY2019Q1 dei Entity Small Business
EntitySmallBusiness
false
CY2019Q1 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
2393000
CY2019Q1 us-gaap Impaired Financing Receivable Interest Income Accrual Method
ImpairedFinancingReceivableInterestIncomeAccrualMethod
669000
CY2019Q1 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect
-8893000
CY2019Q1 dei Current Fiscal Year End Date
CurrentFiscalYearEndDate
--12-31
CY2019Q1 us-gaap Deferred Income Taxes And Tax Credits
DeferredIncomeTaxesAndTaxCredits
512000
CY2019Q1 us-gaap Depreciation Depletion And Amortization
DepreciationDepletionAndAmortization
2633000
CY2019Q1 dei Document Fiscal Period Focus
DocumentFiscalPeriodFocus
Q1
CY2019Q1 dei Document Fiscal Year Focus
DocumentFiscalYearFocus
2019
CY2019Q1 dei Document Type
DocumentType
10-Q
CY2019Q1 dei Document Period End Date
DocumentPeriodEndDate
2019-03-31
CY2019Q1 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.69
CY2019Q1 dei Entity Emerging Growth Company
EntityEmergingGrowthCompany
false
CY2019Q1 dei Entity Filer Category
EntityFilerCategory
Accelerated Filer
CY2019Q1 us-gaap Gain Loss On Sale Of Property Plant Equipment
GainLossOnSaleOfPropertyPlantEquipment
-11000
CY2019Q1 us-gaap General And Administrative Expense
GeneralAndAdministrativeExpense
38183000
CY2019Q1 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
10501000
CY2019Q1 us-gaap Income Taxes Paid Net
IncomeTaxesPaidNet
0
CY2019Q1 us-gaap Increase Decrease In Accounts Payable And Accrued Liabilities
IncreaseDecreaseInAccountsPayableAndAccruedLiabilities
-7292000
CY2019Q1 us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
27437000
CY2019Q1 us-gaap Interest Expense
InterestExpense
9721000
CY2019Q1 us-gaap Increase Decrease In Other Operating Assets
IncreaseDecreaseInOtherOperatingAssets
-2186000
CY2019Q1 us-gaap Insurance Services Revenue
InsuranceServicesRevenue
4113000
CY2019Q1 us-gaap Interest And Fee Income Loans And Leases
InterestAndFeeIncomeLoansAndLeases
74322000
CY2019Q1 us-gaap Payments Of Debt Issuance Costs
PaymentsOfDebtIssuanceCosts
280000
CY2019Q1 us-gaap Interest Paid Net
InterestPaidNet
8572000
CY2019Q1 us-gaap Labor And Related Expense
LaborAndRelatedExpense
22393000
CY2019Q1 us-gaap Lease Cost
LeaseCost
2013000
CY2019Q1 us-gaap Marketing Expense
MarketingExpense
1651000
CY2019Q1 us-gaap Nature Of Operations
NatureOfOperations
<div> <p style="MARGIN-BOTTOM: 0pt; FONT-SIZE: 10pt; FONT-FAMILY: &quot;Times New Roman&quot;; WHITE-SPACE: normal; WORD-SPACING: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: 400; COLOR: rgb(0,0,0); FONT-STYLE: normal; ORPHANS: 2; WIDOWS: 2; MARGIN-TOP: 12pt; LETTER-SPACING: normal; TEXT-INDENT: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial"> <b>Note&#xA0;1. Nature of Business</b></p> <p style="MARGIN-BOTTOM: 0pt; FONT-SIZE: 10pt; FONT-FAMILY: &quot;Times New Roman&quot;; WHITE-SPACE: normal; WORD-SPACING: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: 400; COLOR: rgb(0,0,0); FONT-STYLE: normal; ORPHANS: 2; WIDOWS: 2; MARGIN-TOP: 6pt; LETTER-SPACING: normal; TEXT-INDENT: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial"> Regional Management Corp. (the &#x201C;<u>Company</u>&#x201D;) was incorporated and began operations in 1987. The Company is engaged in the consumer finance business, offering small loans, large loans, retail loans, and related payment and collateral protection insurance products. The Company previously offered automobile loans, but it ceased such originations in November 2017. As of March&#xA0;31, 2019, the Company operated under the name &#x201C;Regional Finance&#x201D; in 360 branch locations across 11 states in the Southeastern, Southwestern,&#xA0;<font style="WHITE-SPACE: nowrap">Mid-Atlantic,</font>&#xA0;and Midwestern United States.</p> <p style="MARGIN-BOTTOM: 0pt; FONT-SIZE: 10pt; FONT-FAMILY: &quot;Times New Roman&quot;; WHITE-SPACE: normal; WORD-SPACING: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: 400; COLOR: rgb(0,0,0); FONT-STYLE: normal; ORPHANS: 2; WIDOWS: 2; MARGIN-TOP: 12pt; LETTER-SPACING: normal; TEXT-INDENT: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial"> The Company&#x2019;s loan volume and contractual delinquency follow seasonal trends. Demand for the Company&#x2019;s small and large loans is typically highest during the second, third, and fourth quarters, which the Company believes is largely due to customers borrowing money for vacation,&#xA0;<font style="WHITE-SPACE: nowrap"><font style="WHITE-SPACE: nowrap">back-to-school,</font></font>&#xA0;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 quarter of the year and rise throughout the remainder of the fiscal year. Consequently, the Company experiences seasonal fluctuations in its operating results and cash needs.</p> </div>
CY2019Q1 us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
-6789000
CY2019Q1 us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
-32800000
CY2019Q1 us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
30696000
CY2019Q1 us-gaap Net Income Loss
NetIncomeLoss
8108000
CY2019Q1 us-gaap Other Expenses
OtherExpenses
7974000
CY2019Q1 us-gaap Operating Lease Cost
OperatingLeaseCost
1932000
CY2019Q1 us-gaap Occupancy Net
OccupancyNet
6165000
CY2019Q1 us-gaap Operating Lease Payments
OperatingLeasePayments
1738000
CY2019Q1 us-gaap Other Income
OtherIncome
3313000
CY2019Q1 us-gaap Prior Period Reclassification Adjustment Description
PriorPeriodReclassificationAdjustmentDescription
<div> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"> <b><i>Reclassifications:</i></b> Certain prior-period amounts have been reclassified to conform to the current presentation. Such reclassifications had no impact on previously reported net income or stockholders&#x2019; equity.</p> </div>
CY2019Q1 us-gaap Payments Related To Tax Withholding For Share Based Compensation
PaymentsRelatedToTaxWithholdingForShareBasedCompensation
800000
CY2019Q1 us-gaap Payments To Acquire Intangible Assets
PaymentsToAcquireIntangibleAssets
224000
CY2019Q1 us-gaap Payments To Acquire Property Plant And Equipment
PaymentsToAcquirePropertyPlantAndEquipment
1315000
CY2019Q1 us-gaap Payments For Proceeds From Loans And Leases
PaymentsForProceedsFromLoansAndLeases
5250000
CY2019Q1 us-gaap Proceeds From Repayments Of Other Debt
ProceedsFromRepaymentsOfOtherDebt
-4765000
CY2019Q1 us-gaap Proceeds And Excess Tax Benefit From Sharebased Compensation
ProceedsAndExcessTaxBenefitFromSharebasedCompensation
100000
CY2019Q1 us-gaap Proceeds From Repayments Of Lines Of Credit
ProceedsFromRepaymentsOfLinesOfCredit
-27713000
CY2019Q1 us-gaap Proceeds From Repayments Of Secured Debt
ProceedsFromRepaymentsOfSecuredDebt
828000
CY2019Q1 us-gaap Profit Loss
ProfitLoss
8108000
CY2019Q1 us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
23343000
CY2019Q1 us-gaap Provision For Doubtful Accounts
ProvisionForDoubtfulAccounts
23343000
CY2019Q1 us-gaap Right Of Use Asset Obtained In Exchange For Operating Lease Liability
RightOfUseAssetObtainedInExchangeForOperatingLeaseLiability
3825000
CY2019Q1 us-gaap Repayments Of Accounts Receivable Securitization
RepaymentsOfAccountsReceivableSecuritization
70000
CY2019Q1 us-gaap Revenues
Revenues
81748000
CY2019Q1 us-gaap Share Based Compensation
ShareBasedCompensation
997000
CY2019Q1 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Expiration Period
SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod
P10Y
CY2019Q1 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Fair Value Assumptions Expected Term1
SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1
P5Y11M26D
CY2019Q1 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Expirations In Period
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExpirationsInPeriod
0 shares
CY2019Q1 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Outstanding Weighted Average Remaining Contractual Term2
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2
P6Y8M12D
CY2019Q1 us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Exercises In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice
0
CY2019Q1 us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Expirations In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExpirationsInPeriodWeightedAverageExercisePrice
0
CY2019Q1 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Forfeitures In Period
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod
0 shares
CY2019Q1 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested Weighted Average Grant Date Fair Value
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedWeightedAverageGrantDateFairValue
12.07
CY2019Q1 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Fair Value Assumptions Expected Volatility Rate
ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate
0.4114 pure
CY2019Q1 us-gaap Stock Issued During Period Shares Stock Options Exercised
StockIssuedDuringPeriodSharesStockOptionsExercised
0 shares
CY2019Q1 us-gaap Unrealized Gain Loss On Derivatives
UnrealizedGainLossOnDerivatives
-198000
CY2019Q1 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Fair Value Assumptions Expected Dividend Rate
ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate
0.0000 pure
CY2019Q1 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Fair Value Assumptions Risk Free Interest Rate
ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate
0.0255 pure
CY2019Q1 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Exercisable Weighted Average Remaining Contractual Term1
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1
P6Y1M6D
CY2019Q1 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Grants In Period Gross
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross
100000 shares
CY2019Q1 dei Trading Symbol
TradingSymbol
RM
CY2019Q1 us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Forfeitures In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice
0
CY2019Q1 us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Grants In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice
27.89
CY2019Q1 us-gaap Short Term Lease Cost
ShortTermLeaseCost
81000
CY2019Q1 rm Finance Receivable Portfolio Turnover Rate
FinanceReceivablePortfolioTurnoverRate
1.2 pure
CY2019Q1 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
12076000 shares
CY2019Q1 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
11712000 shares
CY2019Q1 us-gaap Use Of Estimates
UseOfEstimates
<div> <p style="MARGIN-BOTTOM: 0pt; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; MARGIN-TOP: 12pt"> <b><i>Use of estimates:</i></b>&#xA0;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.</p> <p style="MARGIN-BOTTOM: 0pt; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; MARGIN-TOP: 12pt"> Material estimates that are particularly susceptible to change relate to the determination of the allowance for credit losses, the fair value of share-based compensation, the valuation of deferred tax assets and liabilities, contingent liabilities on litigation matters, and the allocation of the purchase price to assets acquired in business combinations.</p> </div>
CY2019Q1 us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
364000 shares
CY2019Q1 rm Percentage Of Finance Receivables Associated With Customers In Bankruptcy As To Aggregate Finance Receivable
PercentageOfFinanceReceivablesAssociatedWithCustomersInBankruptcyAsToAggregateFinanceReceivable
0.032 pure

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