$WRLD
WORLD ACCEPTANCE CORP

2014 Q1 Form 10-K Financial Statement

#000010838515000036 Filed on June 02, 2015

View on sec.gov

Income Statement

Concept 2014 Q1 2013 Q4 2013 Q3
Revenue $158.7M $155.2M $145.0M
YoY Change -1.94% 3.71% 4.05%
Cost Of Revenue $5.700M $5.500M $5.300M
YoY Change 14.0% 25.0% 29.27%
Gross Profit $137.8M $154.9M $144.7M
YoY Change -12.12% 6.68% 6.95%
Gross Profit Margin 86.83% 99.81% 99.76%
Selling, General & Admin $56.50M $77.10M $71.70M
YoY Change -24.97% 3.49% 8.97%
% of Gross Profit 41.0% 49.77% 49.55%
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $1.900M $1.700M $1.900M
YoY Change -9.52% -10.53% 0.0%
% of Gross Profit 1.38% 1.1% 1.31%
Operating Expenses $75.30M $124.0M $115.5M
YoY Change -21.97% 6.32% 12.5%
Operating Profit $62.50M $30.94M $29.24M
YoY Change 3.65% 8.17% -10.5%
Interest Expense $5.692M $5.546M $5.281M
YoY Change 13.89% 25.93% 29.88%
% of Operating Profit 9.11% 17.93% 18.06%
Other Income/Expense, Net
YoY Change
Pretax Income $62.60M $36.53M $34.51M
YoY Change 3.81% 10.56% -6.16%
Income Tax $23.58M $13.58M $12.94M
% Of Pretax Income 37.67% 37.17% 37.51%
Net Earnings $38.98M $22.95M $21.57M
YoY Change 2.84% 11.03% -5.83%
Net Earnings / Revenue 24.56% 14.79% 14.87%
Basic Earnings Per Share $3.80 $2.14 $1.95
Diluted Earnings Per Share $3.73 $2.10 $1.91
COMMON SHARES
Basic Shares Outstanding 10.94M shares 10.71M shares 11.08M shares
Diluted Shares Outstanding 10.95M shares 11.31M shares

Balance Sheet

Concept 2014 Q1 2013 Q4 2013 Q3
SHORT-TERM ASSETS
Cash & Short-Term Investments $19.60M $19.40M $14.50M
YoY Change 68.97% 12.79% 14.17%
Cash & Equivalents $38.34M $19.39M $14.49M
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets $19.60M $19.40M $14.50M
YoY Change -97.33% -97.6% -98.05%
LONG-TERM ASSETS
Property, Plant & Equipment $24.83M $24.45M $23.96M
YoY Change 3.72% 1.43% -1.41%
Goodwill $5.967M $5.967M $5.967M
YoY Change 1.2% 1.2%
Intangibles $3.778M $4.013M $4.253M
YoY Change -18.31% -13.9%
Long-Term Investments
YoY Change
Other Assets $33.50M $39.10M $36.20M
YoY Change 13.95% 38.65% 41.41%
Total Long-Term Assets $830.4M $927.6M $856.2M
YoY Change 998.09% 1140.38% 1104.23%
TOTAL ASSETS
Total Short-Term Assets $19.60M $19.40M $14.50M
Total Long-Term Assets $830.4M $927.6M $856.2M
Total Assets $850.0M $947.0M $870.7M
YoY Change 5.03% 7.11% 7.1%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $27.70M $28.60M $25.10M
YoY Change -3.48% 6.72% 12.56%
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 $37.20M $35.10M $31.10M
YoY Change -12.68% 9.69% 7.61%
LONG-TERM LIABILITIES
Long-Term Debt $505.5M $583.3M $486.9M
YoY Change 26.28% 18.39% 25.94%
Other Long-Term Liabilities $0.00
YoY Change
Total Long-Term Liabilities $505.5M $583.3M $486.9M
YoY Change 26.28% 18.39% 25.94%
TOTAL LIABILITIES
Total Short-Term Liabilities $37.20M $35.10M $31.10M
Total Long-Term Liabilities $505.5M $583.3M $486.9M
Total Liabilities $542.7M $618.4M $518.0M
YoY Change 22.52% 17.87% 24.64%
SHAREHOLDERS EQUITY
Retained Earnings $193.1M $222.7M $256.6M
YoY Change -30.3% -20.8%
Common Stock $0.00 $0.00 $0.00
YoY Change
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity $307.4M $328.6M $352.7M
YoY Change
Total Liabilities & Shareholders Equity $850.0M $947.0M $870.7M
YoY Change 5.03% 7.11% 7.1%

Cashflow Statement

Concept 2014 Q1 2013 Q4 2013 Q3
OPERATING ACTIVITIES
Net Income $38.98M $22.95M $21.57M
YoY Change 2.84% 11.03% -5.83%
Depreciation, Depletion And Amortization $1.900M $1.700M $1.900M
YoY Change -9.52% -10.53% 0.0%
Cash From Operating Activities $71.00M $69.00M $50.50M
YoY Change -6.58% 11.65% 9.31%
INVESTING ACTIVITIES
Capital Expenditures -$2.000M -$2.000M -$1.900M
YoY Change 11.11% 33.33% -13.64%
Acquisitions
YoY Change
Other Investing Activities $72.90M -$108.2M -$56.70M
YoY Change 41.28% 7.23% -13.83%
Cash From Investing Activities $70.90M -$110.2M -$58.70M
YoY Change 42.37% 7.62% -13.68%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities -141.5M 46.20M 11.30M
YoY Change 7.36% 2.44% -47.69%
NET CHANGE
Cash From Operating Activities 71.00M 69.00M 50.50M
Cash From Investing Activities 70.90M -110.2M -58.70M
Cash From Financing Activities -141.5M 46.20M 11.30M
Net Change In Cash 400.0K 5.000M 3.100M
YoY Change -106.67% 11.11% -1650.0%
FREE CASH FLOW
Cash From Operating Activities $71.00M $69.00M $50.50M
Capital Expenditures -$2.000M -$2.000M -$1.900M
Free Cash Flow $73.00M $71.00M $52.40M
YoY Change -6.17% 12.16% 8.26%

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CY2015 us-gaap Effect Of Exchange Rate On Cash And Cash Equivalents
EffectOfExchangeRateOnCashAndCashEquivalents
-2428219 USD
CY2015 us-gaap Effective Income Tax Rate Reconciliation At Federal Statutory Income Tax Rate
EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate
0.35
CY2013 us-gaap Excess Tax Benefit From Share Based Compensation Financing Activities
ExcessTaxBenefitFromShareBasedCompensationFinancingActivities
3049108 USD
CY2014 us-gaap Excess Tax Benefit From Share Based Compensation Financing Activities
ExcessTaxBenefitFromShareBasedCompensationFinancingActivities
2867621 USD
CY2015 us-gaap Excess Tax Benefit From Share Based Compensation Financing Activities
ExcessTaxBenefitFromShareBasedCompensationFinancingActivities
989776 USD
CY2013 us-gaap Federal Income Tax Expense Benefit Continuing Operations
FederalIncomeTaxExpenseBenefitContinuingOperations
54348626 USD
CY2014 us-gaap Federal Income Tax Expense Benefit Continuing Operations
FederalIncomeTaxExpenseBenefitContinuingOperations
55704595 USD
CY2015 us-gaap Federal Income Tax Expense Benefit Continuing Operations
FederalIncomeTaxExpenseBenefitContinuingOperations
57760139 USD
CY2014Q1 us-gaap Finite Lived Intangible Assets Accumulated Amortization
FiniteLivedIntangibleAssetsAccumulatedAmortization
26802037 USD
CY2015Q1 us-gaap Finite Lived Intangible Assets Accumulated Amortization
FiniteLivedIntangibleAssetsAccumulatedAmortization
27525108 USD
CY2015Q1 us-gaap Finite Lived Intangible Assets Amortization Expense After Year Five
FiniteLivedIntangibleAssetsAmortizationExpenseAfterYearFive
1300000 USD
CY2015Q1 us-gaap Finite Lived Intangible Assets Amortization Expense Next Twelve Months
FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths
500000 USD
CY2015Q1 us-gaap Finite Lived Intangible Assets Amortization Expense Year Five
FiniteLivedIntangibleAssetsAmortizationExpenseYearFive
300000 USD
CY2015Q1 us-gaap Finite Lived Intangible Assets Amortization Expense Year Four
FiniteLivedIntangibleAssetsAmortizationExpenseYearFour
300000 USD
CY2015Q1 us-gaap Finite Lived Intangible Assets Amortization Expense Year Three
FiniteLivedIntangibleAssetsAmortizationExpenseYearThree
400000 USD
CY2015Q1 us-gaap Finite Lived Intangible Assets Amortization Expense Year Two
FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo
400000 USD
CY2014Q1 us-gaap Finite Lived Intangible Assets Gross
FiniteLivedIntangibleAssetsGross
30579847 USD
CY2015Q1 us-gaap Finite Lived Intangible Assets Gross
FiniteLivedIntangibleAssetsGross
30888861 USD
CY2014Q1 us-gaap Finite Lived Intangible Assets Net
FiniteLivedIntangibleAssetsNet
3777810 USD
CY2015Q1 us-gaap Finite Lived Intangible Assets Net
FiniteLivedIntangibleAssetsNet
3363753 USD
CY2015Q1 us-gaap Foreign Currency Exchange Rate Translation1
ForeignCurrencyExchangeRateTranslation1
15
CY2013 us-gaap Foreign Income Tax Expense Benefit Continuing Operations
ForeignIncomeTaxExpenseBenefitContinuingOperations
337667 USD
CY2014 us-gaap Foreign Income Tax Expense Benefit Continuing Operations
ForeignIncomeTaxExpenseBenefitContinuingOperations
1680449 USD
CY2015 us-gaap Foreign Income Tax Expense Benefit Continuing Operations
ForeignIncomeTaxExpenseBenefitContinuingOperations
1735798 USD
CY2013 us-gaap Gain Loss On Sales Of Consumer Loans
GainLossOnSalesOfConsumerLoans
0 USD
CY2014 us-gaap Gain Loss On Sales Of Consumer Loans
GainLossOnSalesOfConsumerLoans
0 USD
CY2015 us-gaap Gain Loss On Sales Of Consumer Loans
GainLossOnSalesOfConsumerLoans
16027999 USD
CY2013 us-gaap General And Administrative Expense
GeneralAndAdministrativeExpense
265628767 USD
CY2013Q2 us-gaap General And Administrative Expense
GeneralAndAdministrativeExpense
70287000 USD
CY2013Q3 us-gaap General And Administrative Expense
GeneralAndAdministrativeExpense
67070000 USD
CY2013Q4 us-gaap General And Administrative Expense
GeneralAndAdministrativeExpense
72003000 USD
CY2014Q1 us-gaap General And Administrative Expense
GeneralAndAdministrativeExpense
71887000 USD
CY2013Q4 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
13579000 USD
CY2014Q1 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
23579000 USD
CY2014 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
63636273 USD
CY2014Q2 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
13588000 USD
CY2014Q3 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
13047000 USD
CY2014Q4 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
10245000 USD
CY2015Q1 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
28317000 USD
CY2014 us-gaap General And Administrative Expense
GeneralAndAdministrativeExpense
281248432 USD
CY2014Q2 us-gaap General And Administrative Expense
GeneralAndAdministrativeExpense
73325000 USD
CY2014Q3 us-gaap General And Administrative Expense
GeneralAndAdministrativeExpense
71677000 USD
CY2014Q4 us-gaap General And Administrative Expense
GeneralAndAdministrativeExpense
75639000 USD
CY2015Q1 us-gaap General And Administrative Expense
GeneralAndAdministrativeExpense
71410000 USD
CY2015 us-gaap General And Administrative Expense
GeneralAndAdministrativeExpense
292051518 USD
CY2014Q1 us-gaap Goodwill
Goodwill
5967127 USD
CY2015Q1 us-gaap Goodwill
Goodwill
6121458 USD
CY2014 us-gaap Goodwill Acquired During Period
GoodwillAcquiredDuringPeriod
70839 USD
CY2015 us-gaap Goodwill Acquired During Period
GoodwillAcquiredDuringPeriod
154331 USD
CY2013Q1 us-gaap Goodwill Gross
GoodwillGross
5921681 USD
CY2014Q1 us-gaap Goodwill Gross
GoodwillGross
5992520 USD
CY2015Q1 us-gaap Goodwill Gross
GoodwillGross
6146851 USD
CY2013Q1 us-gaap Goodwill Impaired Accumulated Impairment Loss
GoodwillImpairedAccumulatedImpairmentLoss
25393 USD
CY2014Q1 us-gaap Goodwill Impaired Accumulated Impairment Loss
GoodwillImpairedAccumulatedImpairmentLoss
25393 USD
CY2015Q1 us-gaap Goodwill Impaired Accumulated Impairment Loss
GoodwillImpairedAccumulatedImpairmentLoss
25393 USD
CY2014 us-gaap Goodwill Impairment Loss
GoodwillImpairmentLoss
0 USD
CY2015 us-gaap Goodwill Impairment Loss
GoodwillImpairmentLoss
0 USD
CY2013 us-gaap Income Loss From Continuing Operations Before Income Taxes Minority Interest And Income Loss From Equity Method Investments
IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments
166290831 USD
CY2014 us-gaap Income Loss From Continuing Operations Before Income Taxes Minority Interest And Income Loss From Equity Method Investments
IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments
170244205 USD
CY2015 us-gaap Income Loss From Continuing Operations Before Income Taxes Minority Interest And Income Loss From Equity Method Investments
IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments
176030339 USD
CY2013 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
62201083 USD
CY2013Q2 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
13537000 USD
CY2013Q3 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
12942000 USD
CY2015 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
65196881 USD
CY2013 us-gaap Income Tax Reconciliation Foreign Income Tax Rate Differential
IncomeTaxReconciliationForeignIncomeTaxRateDifferential
-961771 USD
CY2014 us-gaap Income Tax Reconciliation Foreign Income Tax Rate Differential
IncomeTaxReconciliationForeignIncomeTaxRateDifferential
-1487116 USD
CY2015 us-gaap Income Tax Reconciliation Foreign Income Tax Rate Differential
IncomeTaxReconciliationForeignIncomeTaxRateDifferential
-1453438 USD
CY2013 us-gaap Income Tax Reconciliation Income Tax Expense Benefit At Federal Statutory Income Tax Rate
IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate
58201791 USD
CY2014 us-gaap Income Tax Reconciliation Income Tax Expense Benefit At Federal Statutory Income Tax Rate
IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate
59585472 USD
CY2015 us-gaap Income Tax Reconciliation Income Tax Expense Benefit At Federal Statutory Income Tax Rate
IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate
61610619 USD
CY2013 us-gaap Income Tax Reconciliation Other Adjustments
IncomeTaxReconciliationOtherAdjustments
-83346 USD
CY2014 us-gaap Income Tax Reconciliation Other Adjustments
IncomeTaxReconciliationOtherAdjustments
497079 USD
CY2015 us-gaap Income Tax Reconciliation Other Adjustments
IncomeTaxReconciliationOtherAdjustments
-507078 USD
CY2013 us-gaap Income Tax Reconciliation Other Reconciling Items
IncomeTaxReconciliationOtherReconcilingItems
283084 USD
CY2014 us-gaap Income Tax Reconciliation Other Reconciling Items
IncomeTaxReconciliationOtherReconcilingItems
3001452 USD
CY2015 us-gaap Income Tax Reconciliation Other Reconciling Items
IncomeTaxReconciliationOtherReconcilingItems
1914990 USD
CY2013 us-gaap Income Tax Reconciliation State And Local Income Taxes
IncomeTaxReconciliationStateAndLocalIncomeTaxes
4884614 USD
CY2014 us-gaap Income Tax Reconciliation State And Local Income Taxes
IncomeTaxReconciliationStateAndLocalIncomeTaxes
4063299 USD
CY2015 us-gaap Income Tax Reconciliation State And Local Income Taxes
IncomeTaxReconciliationStateAndLocalIncomeTaxes
3705614 USD
CY2013 us-gaap Income Tax Reconciliation Tax Exempt Income
IncomeTaxReconciliationTaxExemptIncome
123289 USD
CY2014 us-gaap Income Tax Reconciliation Tax Exempt Income
IncomeTaxReconciliationTaxExemptIncome
86189 USD
CY2015 us-gaap Income Tax Reconciliation Tax Exempt Income
IncomeTaxReconciliationTaxExemptIncome
73826 USD
CY2013 us-gaap Income Taxes Paid
IncomeTaxesPaid
66921031 USD
CY2014 us-gaap Income Taxes Paid
IncomeTaxesPaid
67404899 USD
CY2015 us-gaap Income Taxes Paid
IncomeTaxesPaid
61027849 USD
CY2013 us-gaap Increase Decrease In Accounts Payable And Accrued Liabilities
IncreaseDecreaseInAccountsPayableAndAccruedLiabilities
3387226 USD
CY2014 us-gaap Increase Decrease In Accounts Payable And Accrued Liabilities
IncreaseDecreaseInAccountsPayableAndAccruedLiabilities
-967249 USD
CY2015 us-gaap Increase Decrease In Accounts Payable And Accrued Liabilities
IncreaseDecreaseInAccountsPayableAndAccruedLiabilities
1041341 USD
CY2013 us-gaap Increase Decrease In Accrued Income Taxes Payable
IncreaseDecreaseInAccruedIncomeTaxesPayable
2413396 USD
CY2014 us-gaap Increase Decrease In Accrued Income Taxes Payable
IncreaseDecreaseInAccruedIncomeTaxesPayable
-4420347 USD
CY2015 us-gaap Increase Decrease In Accrued Income Taxes Payable
IncreaseDecreaseInAccruedIncomeTaxesPayable
8494879 USD
CY2013 us-gaap Increase Decrease In Other Operating Assets
IncreaseDecreaseInOtherOperatingAssets
811921 USD
CY2014 us-gaap Increase Decrease In Other Operating Assets
IncreaseDecreaseInOtherOperatingAssets
360471 USD
CY2015 us-gaap Increase Decrease In Other Operating Assets
IncreaseDecreaseInOtherOperatingAssets
1060037 USD
CY2013 us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
274776 shares
CY2014 us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
229153 shares
CY2015 us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
170626 shares
CY2014Q1 us-gaap Intangible Assets Net Excluding Goodwill
IntangibleAssetsNetExcludingGoodwill
3777810 USD
CY2015Q1 us-gaap Intangible Assets Net Excluding Goodwill
IntangibleAssetsNetExcludingGoodwill
3363753 USD
CY2013 us-gaap Interest And Fee Income Loans Consumer
InterestAndFeeIncomeLoansConsumer
485413704 USD
CY2014 us-gaap Interest And Fee Income Loans Consumer
InterestAndFeeIncomeLoansConsumer
523770049 USD
CY2015 us-gaap Interest And Fee Income Loans Consumer
InterestAndFeeIncomeLoansConsumer
524277341 USD
CY2013 us-gaap Interest Expense
InterestExpense
17393963 USD
CY2013Q2 us-gaap Interest Expense
InterestExpense
4676000 USD
CY2013Q3 us-gaap Interest Expense
InterestExpense
5281000 USD
CY2013Q4 us-gaap Interest Expense
InterestExpense
5546000 USD
CY2014Q1 us-gaap Interest Expense
InterestExpense
5692000 USD
CY2014 us-gaap Interest Expense
InterestExpense
21195370 USD
CY2014Q2 us-gaap Interest Expense
InterestExpense
5564000 USD
CY2014Q3 us-gaap Interest Expense
InterestExpense
6026000 USD
CY2014Q4 us-gaap Interest Expense
InterestExpense
6038000 USD
CY2015Q1 us-gaap Interest Expense
InterestExpense
5673000 USD
CY2015 us-gaap Interest Expense
InterestExpense
23301156 USD
CY2013 us-gaap Interest Paid
InterestPaid
16028399 USD
CY2015 us-gaap Interest Paid
InterestPaid
22714147 USD
CY2013 us-gaap Labor And Related Expense
LaborAndRelatedExpense
178009856 USD
CY2014 us-gaap Labor And Related Expense
LaborAndRelatedExpense
187444744 USD
CY2015 us-gaap Labor And Related Expense
LaborAndRelatedExpense
192419147 USD
CY2013 us-gaap Lease And Rental Expense
LeaseAndRentalExpense
21900000 USD
CY2014 us-gaap Lease And Rental Expense
LeaseAndRentalExpense
23900000 USD
CY2015 us-gaap Lease And Rental Expense
LeaseAndRentalExpense
26000000 USD
CY2015Q1 us-gaap Letters Of Credit Outstanding Amount
LettersOfCreditOutstandingAmount
750000 USD
CY2014Q1 us-gaap Liabilities
Liabilities
542672240 USD
CY2015Q1 us-gaap Liabilities
Liabilities
550563000 USD
CY2014Q1 us-gaap Liabilities And Stockholders Equity
LiabilitiesAndStockholdersEquity
850027561 USD
CY2015Q1 us-gaap Liabilities And Stockholders Equity
LiabilitiesAndStockholdersEquity
866130719 USD
CY2012Q1 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
54507299 USD
CY2013Q1 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
59980842 USD
CY2014Q1 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
63254940 USD
CY2015Q1 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
70437988 USD
CY2014Q1 us-gaap Loans And Leases Receivable Deferred Income
LoansAndLeasesReceivableDeferredIncome
298387520 USD
CY2014Q1 us-gaap Loans And Leases Receivable Gross Carrying Amount Consumer
LoansAndLeasesReceivableGrossCarryingAmountConsumer
1112307335 USD
CY2015Q1 us-gaap Loans And Leases Receivable Gross Carrying Amount Consumer
LoansAndLeasesReceivableGrossCarryingAmountConsumer
1110145082 USD
CY2014Q1 us-gaap Loans And Leases Receivable Impaired Nonperforming Nonaccrual Of Interest
LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest
59270262 USD
CY2015Q1 us-gaap Loans And Leases Receivable Impaired Nonperforming Nonaccrual Of Interest
LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest
77160536 USD
CY2014Q1 us-gaap Loans And Leases Receivable Net Of Deferred Income
LoansAndLeasesReceivableNetOfDeferredIncome
813919815 USD
CY2015Q1 us-gaap Loans And Leases Receivable Net Of Deferred Income
LoansAndLeasesReceivableNetOfDeferredIncome
812742678 USD
CY2014Q1 us-gaap Loans And Leases Receivable Net Reported Amount
LoansAndLeasesReceivableNetReportedAmount
750664875 USD
CY2015Q1 us-gaap Loans And Leases Receivable Net Reported Amount
LoansAndLeasesReceivableNetReportedAmount
742304690 USD
CY2015Q1 us-gaap Long Term Debt
LongTermDebt
501150000 USD
CY2015Q1 us-gaap Long Term Debt Maturities Repayments Of Principal In Next Twelve Months
LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths
0 USD
CY2015Q1 us-gaap Long Term Debt Maturities Repayments Of Principal In Year Five
LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive
0 USD
CY2015Q1 us-gaap Long Term Debt Maturities Repayments Of Principal In Year Four
LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour
0 USD
CY2015Q1 us-gaap Long Term Debt Maturities Repayments Of Principal In Year Three
LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree
0 USD
CY2015Q1 us-gaap Long Term Debt Maturities Repayments Of Principal In Year Two
LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo
501150000 USD
CY2013 us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
-50036946 USD
CY2014 us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
-71828265 USD
CY2015 us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
-112480974 USD
CY2013 us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
-181537866 USD
CY2014 us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
-165589908 USD
CY2015 us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
-108250836 USD
CY2013 us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
232044089 USD
CY2014 us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
245963584 USD
CY2015 us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
241929281 USD
CY2013 us-gaap Net Income Loss
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104089748 USD
CY2013Q2 us-gaap Net Income Loss
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23112000 USD
CY2013Q3 us-gaap Net Income Loss
NetIncomeLoss
21565000 USD
CY2013Q4 us-gaap Net Income Loss
NetIncomeLoss
22954000 USD
CY2014Q1 us-gaap Net Income Loss
NetIncomeLoss
38977000 USD
CY2014 us-gaap Net Income Loss
NetIncomeLoss
106607932 USD
CY2014Q2 us-gaap Net Income Loss
NetIncomeLoss
22556000 USD
CY2014Q3 us-gaap Net Income Loss
NetIncomeLoss
21274000 USD
CY2014Q4 us-gaap Net Income Loss
NetIncomeLoss
18489000 USD
CY2015Q1 us-gaap Net Income Loss
NetIncomeLoss
48515000 USD
CY2015 us-gaap Net Income Loss
NetIncomeLoss
110833458 USD
CY2013 us-gaap Noninterest Income
NoninterestIncome
78222382 USD
CY2014 us-gaap Noninterest Income
NoninterestIncome
75493350 USD
CY2015 us-gaap Noninterest Income
NoninterestIncome
85935535 USD
CY2015 us-gaap Number Of Reportable Segments
NumberOfReportableSegments
1
CY2015Q1 us-gaap Number Of States In Which Entity Operates
NumberOfStatesInWhichEntityOperates
15
CY2013 us-gaap Occupancy Net
OccupancyNet
36278134 USD
CY2014 us-gaap Occupancy Net
OccupancyNet
38879460 USD
CY2015 us-gaap Occupancy Net
OccupancyNet
41716893 USD
CY2013 us-gaap Operating Expenses
OperatingExpenses
397345255 USD
CY2014 us-gaap Operating Expenses
OperatingExpenses
429019194 USD
CY2015 us-gaap Operating Expenses
OperatingExpenses
434182537 USD
CY2014Q1 us-gaap Other Assets
OtherAssets
11707639 USD
CY2015Q1 us-gaap Other Assets
OtherAssets
12749771 USD
CY2013 us-gaap Other Comprehensive Income Loss Foreign Currency Transaction And Translation Adjustment Net Of Tax
OtherComprehensiveIncomeLossForeignCurrencyTransactionAndTranslationAdjustmentNetOfTax
2318117 USD
CY2014 us-gaap Other Comprehensive Income Loss Foreign Currency Transaction And Translation Adjustment Net Of Tax
OtherComprehensiveIncomeLossForeignCurrencyTransactionAndTranslationAdjustmentNetOfTax
-3687809 USD
CY2015 us-gaap Other Comprehensive Income Loss Foreign Currency Transaction And Translation Adjustment Net Of Tax
OtherComprehensiveIncomeLossForeignCurrencyTransactionAndTranslationAdjustmentNetOfTax
-10796224 USD
CY2013 us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
2318117 USD
CY2014 us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
-3687809 USD
CY2015 us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
-10796224 USD
CY2013 us-gaap Other General And Administrative Expense
OtherGeneralAndAdministrativeExpense
35125324 USD
CY2014 us-gaap Other General And Administrative Expense
OtherGeneralAndAdministrativeExpense
37804532 USD
CY2015 us-gaap Other General And Administrative Expense
OtherGeneralAndAdministrativeExpense
39892742 USD
CY2013 us-gaap Payments For Proceeds From Loans And Leases
PaymentsForProceedsFromLoansAndLeases
171985755 USD
CY2014 us-gaap Payments For Proceeds From Loans And Leases
PaymentsForProceedsFromLoansAndLeases
157149864 USD
CY2015 us-gaap Payments For Proceeds From Loans And Leases
PaymentsForProceedsFromLoansAndLeases
116921675 USD
CY2013 us-gaap Payments For Repurchase Of Common Stock
PaymentsForRepurchaseOfCommonStock
183045655 USD
CY2014 us-gaap Payments For Repurchase Of Common Stock
PaymentsForRepurchaseOfCommonStock
190536775 USD
CY2015 us-gaap Payments For Repurchase Of Common Stock
PaymentsForRepurchaseOfCommonStock
115324097 USD
CY2013 us-gaap Payments Of Loan Costs
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985000 USD
CY2014 us-gaap Payments Of Loan Costs
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204000 USD
CY2015 us-gaap Payments Of Loan Costs
PaymentsOfLoanCosts
337500 USD
CY2013 us-gaap Payments To Acquire Property Plant And Equipment
PaymentsToAcquirePropertyPlantAndEquipment
6910955 USD
CY2014 us-gaap Payments To Acquire Property Plant And Equipment
PaymentsToAcquirePropertyPlantAndEquipment
7432535 USD
CY2015 us-gaap Payments To Acquire Property Plant And Equipment
PaymentsToAcquirePropertyPlantAndEquipment
8629469 USD
CY2014Q1 us-gaap Preferred Stock No Par Value
PreferredStockNoParValue
0
CY2015Q1 us-gaap Preferred Stock No Par Value
PreferredStockNoParValue
0
CY2014Q1 us-gaap Preferred Stock Shares Authorized
PreferredStockSharesAuthorized
5000000 shares
CY2015Q1 us-gaap Preferred Stock Shares Authorized
PreferredStockSharesAuthorized
5000000 shares
CY2014Q1 us-gaap Preferred Stock Shares Issued
PreferredStockSharesIssued
0 shares
CY2015Q1 us-gaap Preferred Stock Shares Issued
PreferredStockSharesIssued
0 shares
CY2014Q1 us-gaap Preferred Stock Shares Outstanding
PreferredStockSharesOutstanding
0 shares
CY2015Q1 us-gaap Preferred Stock Shares Outstanding
PreferredStockSharesOutstanding
0 shares
CY2014Q1 us-gaap Preferred Stock Value
PreferredStockValue
0 USD
CY2015Q1 us-gaap Preferred Stock Value
PreferredStockValue
0 USD
CY2013 us-gaap Proceeds From Insurance Settlement Operating Activities
ProceedsFromInsuranceSettlementOperatingActivities
7576902 USD
CY2014 us-gaap Proceeds From Insurance Settlement Operating Activities
ProceedsFromInsuranceSettlementOperatingActivities
7501154 USD
CY2015 us-gaap Proceeds From Insurance Settlement Operating Activities
ProceedsFromInsuranceSettlementOperatingActivities
7196437 USD
CY2013 us-gaap Proceeds From Issuance Of Senior Long Term Debt
ProceedsFromIssuanceOfSeniorLongTermDebt
443515466 USD
CY2014 us-gaap Proceeds From Issuance Of Senior Long Term Debt
ProceedsFromIssuanceOfSeniorLongTermDebt
425640000 USD
CY2015 us-gaap Proceeds From Issuance Of Senior Long Term Debt
ProceedsFromIssuanceOfSeniorLongTermDebt
310721600 USD
CY2013 us-gaap Proceeds From Recoveries Of Loan Previously Charged Off
ProceedsFromRecoveriesOfLoanPreviouslyChargedOff
1005757 USD
CY2014 us-gaap Proceeds From Recoveries Of Loan Previously Charged Off
ProceedsFromRecoveriesOfLoanPreviouslyChargedOff
1086381 USD
CY2015 us-gaap Proceeds From Recoveries Of Loan Previously Charged Off
ProceedsFromRecoveriesOfLoanPreviouslyChargedOff
1128347 USD
CY2013 us-gaap Proceeds From Repayments Of Notes Payable
ProceedsFromRepaymentsOfNotesPayable
-50000000 USD
CY2014 us-gaap Proceeds From Repayments Of Notes Payable
ProceedsFromRepaymentsOfNotesPayable
0 USD
CY2015 us-gaap Proceeds From Repayments Of Notes Payable
ProceedsFromRepaymentsOfNotesPayable
0 USD
CY2013 us-gaap Proceeds From Sale Of Loans Receivable
ProceedsFromSaleOfLoansReceivable
0 USD
CY2014 us-gaap Proceeds From Sale Of Loans Receivable
ProceedsFromSaleOfLoansReceivable
0 USD
CY2015 us-gaap Proceeds From Sale Of Loans Receivable
ProceedsFromSaleOfLoansReceivable
18880496 USD
CY2013 us-gaap Proceeds From Sale Of Property Plant And Equipment
ProceedsFromSaleOfPropertyPlantAndEquipment
26659 USD
CY2014 us-gaap Proceeds From Sale Of Property Plant And Equipment
ProceedsFromSaleOfPropertyPlantAndEquipment
48476 USD
CY2015 us-gaap Proceeds From Sale Of Property Plant And Equipment
ProceedsFromSaleOfPropertyPlantAndEquipment
399306 USD
CY2013 us-gaap Proceeds From Stock Options Exercised
ProceedsFromStockOptionsExercised
9944601 USD
CY2014 us-gaap Proceeds From Stock Options Exercised
ProceedsFromStockOptionsExercised
10794889 USD
CY2015 us-gaap Proceeds From Stock Options Exercised
ProceedsFromStockOptionsExercised
6540847 USD
CY2014Q1 us-gaap Property Plant And Equipment Gross
PropertyPlantAndEquipmentGross
60756532 USD
CY2015Q1 us-gaap Property Plant And Equipment Gross
PropertyPlantAndEquipmentGross
64839939 USD
CY2014Q1 us-gaap Property Plant And Equipment Net
PropertyPlantAndEquipmentNet
24826238 USD
CY2015Q1 us-gaap Property Plant And Equipment Net
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119045 USD
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CY2015 us-gaap Repayments Of Senior Debt
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315071600 USD
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700000 USD
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P5Y7M
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P5Y5M
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P6Y1M14D
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Revenues
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Revenues
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ShareBasedCompensation
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ShareBasedCompensation
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ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate
0
CY2014 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Fair Value Assumptions Expected Dividend Rate
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CY2015 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Fair Value Assumptions Expected Dividend Rate
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0.0000
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0.5615
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0.5391
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0.4462
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0.0080
CY2015Q1 us-gaap Significant Change In Unrecognized Tax Benefits Is Reasonably Possible Estimated Range Of Change Lower Bound
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4400000 USD
CY2013 us-gaap State And Local Income Tax Expense Benefit Continuing Operations
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7514790 USD
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StateAndLocalIncomeTaxExpenseBenefitContinuingOperations
6251229 USD
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StateAndLocalIncomeTaxExpenseBenefitContinuingOperations
5700944 USD
CY2013 us-gaap Stock Issued During Period Shares Restricted Stock Award Gross
StockIssuedDuringPeriodSharesRestrictedStockAwardGross
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StockIssuedDuringPeriodSharesRestrictedStockAwardGross
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StockIssuedDuringPeriodSharesStockOptionsExercised
324140 shares
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StockIssuedDuringPeriodSharesStockOptionsExercised
159348 shares
CY2013 us-gaap Stock Issued During Period Value Restricted Stock Award Net Of Forfeitures
StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures
3842674 USD
CY2014 us-gaap Stock Issued During Period Value Restricted Stock Award Net Of Forfeitures
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5234480 USD
CY2015 us-gaap Stock Issued During Period Value Restricted Stock Award Net Of Forfeitures
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7834825 USD
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12993709 USD
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13662510 USD
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7530624 USD
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25000000 USD
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25000000 USD
CY2015Q1 us-gaap Stock Repurchase Program Authorized Amount1
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25000000 USD
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StockRepurchaseProgramRemainingAuthorizedRepurchaseAmount1
11500000 USD
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StockRepurchasedDuringPeriodShares
2181045 shares
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StockRepurchasedDuringPeriodShares
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StockRepurchasedDuringPeriodShares
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CY2013 us-gaap Stock Repurchased During Period Value
StockRepurchasedDuringPeriodValue
183045655 USD
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StockRepurchasedDuringPeriodValue
190536775 USD
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StockRepurchasedDuringPeriodValue
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CY2012Q1 us-gaap Stockholders Equity
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418875013 USD
CY2013Q1 us-gaap Stockholders Equity
StockholdersEquity
366396259 USD
CY2014Q1 us-gaap Stockholders Equity
StockholdersEquity
307355321 USD
CY2015Q1 us-gaap Stockholders Equity
StockholdersEquity
315567719 USD
CY2013 us-gaap Tax Adjustments Settlements And Unusual Provisions
TaxAdjustmentsSettlementsAndUnusualProvisions
0 USD
CY2014 us-gaap Tax Adjustments Settlements And Unusual Provisions
TaxAdjustmentsSettlementsAndUnusualProvisions
-1937724 USD
CY2015 us-gaap Tax Adjustments Settlements And Unusual Provisions
TaxAdjustmentsSettlementsAndUnusualProvisions
0 USD
CY2014Q1 us-gaap Unrecognized Tax Benefits
UnrecognizedTaxBenefits
5810712 USD
CY2015Q1 us-gaap Unrecognized Tax Benefits
UnrecognizedTaxBenefits
7621327 USD
CY2014Q1 us-gaap Unrecognized Tax Benefits Income Tax Penalties And Interest Accrued
UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestAccrued
6400000 USD
CY2015Q1 us-gaap Unrecognized Tax Benefits Income Tax Penalties And Interest Accrued
UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestAccrued
8600000 USD
CY2015 us-gaap Unrecognized Tax Benefits Increases Resulting From Current Period Tax Positions
UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions
2209048 USD
CY2015 us-gaap Unrecognized Tax Benefits Increases Resulting From Prior Period Tax Positions
UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions
0 USD
CY2015 us-gaap Unrecognized Tax Benefits Increases Resulting From Settlements With Taxing Authorities
UnrecognizedTaxBenefitsIncreasesResultingFromSettlementsWithTaxingAuthorities
0 USD
CY2014Q1 us-gaap Unrecognized Tax Benefits Interest On Income Taxes Accrued
UnrecognizedTaxBenefitsInterestOnIncomeTaxesAccrued
614279 USD
CY2015Q1 us-gaap Unrecognized Tax Benefits Interest On Income Taxes Accrued
UnrecognizedTaxBenefitsInterestOnIncomeTaxesAccrued
940805 USD
CY2013 us-gaap Unrecognized Tax Benefits Interest On Income Taxes Expense
UnrecognizedTaxBenefitsInterestOnIncomeTaxesExpense
240609 USD
CY2014 us-gaap Unrecognized Tax Benefits Interest On Income Taxes Expense
UnrecognizedTaxBenefitsInterestOnIncomeTaxesExpense
379417 USD
CY2015 us-gaap Unrecognized Tax Benefits Interest On Income Taxes Expense
UnrecognizedTaxBenefitsInterestOnIncomeTaxesExpense
474484 USD
CY2015 us-gaap Unrecognized Tax Benefits Reductions Resulting From Lapse Of Applicable Statute Of Limitations
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398433 USD
CY2014Q1 us-gaap Unrecognized Tax Benefits That Would Impact Effective Tax Rate
UnrecognizedTaxBenefitsThatWouldImpactEffectiveTaxRate
4600000 USD
CY2015Q1 us-gaap Unrecognized Tax Benefits That Would Impact Effective Tax Rate
UnrecognizedTaxBenefitsThatWouldImpactEffectiveTaxRate
6600000 USD
CY2013 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
13003136 shares
CY2014 us-gaap Weighted Average Number Of Diluted Shares Outstanding
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11105710 shares
CY2015 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
9316629 shares
CY2013 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
12728360 shares
CY2014 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
10876557 shares
CY2015 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
9146003 shares
CY2015Q1 wrld Accounts Past Due Reserved
AccountsPastDueReserved
1
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P8M
CY2015 wrld Amortization Period For Operating Leases
AmortizationPeriodForOperatingLeases
P5Y
CY2015Q1 wrld Bankrupt Accounts That Had Not Been Charged Off
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6000000 USD
CY2015Q1 wrld Direct Consumer Loans Maximum
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4000 USD
CY2015Q1 wrld Number Of Offices Recording Goodwill
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92
CY2015Q1 wrld Number Of States With Largest Concentration Of Revenue
NumberOfStatesWithLargestConcentrationOfRevenue
4
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P5Y
CY2015 wrld Consumer Direct Cash Loan Terms Maximum
ConsumerDirectCashLoanTermsMaximum
P42M
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226938 USD
CY2015Q1 wrld Deferred Tax Assets Convertible Notes
DeferredTaxAssetsConvertibleNotes
75628 USD
CY2015Q1 wrld Percentage Of Present Value Of New Loan Terms To Remaining Cash Flows Under Original Loan Minimum
PercentageOfPresentValueOfNewLoanTermsToRemainingCashFlowsUnderOriginalLoanMinimum
0.10
CY2015 wrld Periods Of Maturity For Highly Liquid Investments Description
PeriodsOfMaturityForHighlyLiquidInvestmentsDescription
P3M
CY2014Q1 wrld Number Of Offices Purchased
NumberOfOfficesPurchased
1 business_combination
CY2015Q1 wrld Number Of Offices Purchased
NumberOfOfficesPurchased
2 asset_purchase
CY2013Q1 wrld Number Of Offices Purchased And Merged Into Existing Offices
NumberOfOfficesPurchasedAndMergedIntoExistingOffices
9 asset_purchase
CY2014Q1 wrld Number Of Offices Purchased And Merged Into Existing Offices
NumberOfOfficesPurchasedAndMergedIntoExistingOffices
6 asset_purchase
CY2015Q1 wrld Number Of Offices Purchased And Merged Into Existing Offices
NumberOfOfficesPurchasedAndMergedIntoExistingOffices
3 asset_purchase
CY2015 wrld Financing Receivable Allowance For Loan And Lease Losses190 Days Past Due General Reserve Percentage
FinancingReceivableAllowanceForLoanAndLeaseLosses190DaysPastDueGeneralReservePercentage
0.0425
CY2014Q1 wrld Financing Receivable Bankruptcy
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5402715 USD
CY2015Q1 wrld Financing Receivable Bankruptcy
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4821691 USD
CY2014Q1 wrld Financing Receivable Individually Evaluated For Impairment Unearned Interest And Fees
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298387520 USD
CY2015Q1 wrld Financing Receivable Individually Evaluated For Impairment Unearned Interest And Fees
FinancingReceivableIndividuallyEvaluatedForImpairmentUnearnedInterestAndFees
297402404 USD
CY2014Q1 wrld Financing Receivables Delinquent Excluding Bankruptcy
FinancingReceivablesDelinquentExcludingBankruptcy
27556583 USD
CY2015Q1 wrld Financing Receivables Delinquent Excluding Bankruptcy
FinancingReceivablesDelinquentExcludingBankruptcy
48262853 USD
CY2014Q1 wrld Financing Receivables Less Than Ninety One Days Delinquent Excluding Bankruptcy
FinancingReceivablesLessThanNinetyOneDaysDelinquentExcludingBankruptcy
1079348037 USD
CY2015Q1 wrld Financing Receivables Less Than Ninety One Days Delinquent Excluding Bankruptcy
FinancingReceivablesLessThanNinetyOneDaysDelinquentExcludingBankruptcy
1057060538 USD
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0.5
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P8M
CY2015 wrld Minimum Operating Lease Terms
MinimumOperatingLeaseTerms
P3Y
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716169 USD
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NetAssetsAcquiredFromAcquisitionIntangibles
281436 USD
CY2015 wrld Net Assets Acquired From Acquisition Intangibles
NetAssetsAcquiredFromAcquisitionIntangibles
463345 USD
CY2013 wrld Net Assets Acquired From Acquisition Primarily Loans
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1951646 USD
CY2014 wrld Net Assets Acquired From Acquisition Primarily Loans
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774549 USD
CY2015 wrld Net Assets Acquired From Acquisition Primarily Loans
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1516149 USD
CY2015Q1 wrld Net Investment In Loans Deemed Uncollectible Charged Off
NetInvestmentInLoansDeemedUncollectibleCharged-Off
1
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7361547 USD
CY2014 wrld Non File Insurance Premiums Written
NonFileInsurancePremiumsWritten
7241274 USD
CY2015 wrld Non File Insurance Premiums Written
NonFileInsurancePremiumsWritten
6804275 USD
CY2015 wrld Number Of Days Pastdue For Loans To Be Classified As Impaired Minimum
NumberOfDaysPastdueForLoansToBeClassifiedAsImpairedMinimum
90 days or more
CY2013Q1 wrld Number Of Offices Purchased
NumberOfOfficesPurchased
3 business_combination
CY2015Q1 wrld Principal Loans More Than Ninety Days Past Due Included In Loan Loss Reserves
PrincipalLoansMoreThanNinetyDaysPastDueIncludedInLoanLossReserves
1.00
CY2013Q1 wrld Total Acquisitions
TotalAcquisitions
12 acquisition
CY2014Q1 wrld Total Acquisitions
TotalAcquisitions
7 acquisition
CY2015Q1 wrld Total Acquisitions
TotalAcquisitions
5 acquisition
CY2015 us-gaap Concentration Risk Credit Risk
ConcentrationRiskCreditRisk
<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;text-align:left;padding-left:30px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;font-weight:bold;">Concentration of Risk</font></div><div style="line-height:120%;padding-left:30px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;padding-left:30px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The Company generally serves individuals with limited access to other sources of consumer credit, such as banks, credit unions, other consumer finance businesses and credit card lenders. During the year ended </font><font style="font-family:inherit;font-size:10pt;">March&#160;31, 2015</font><font style="font-family:inherit;font-size:10pt;">, the Company operated in </font><font style="font-family:inherit;font-size:10pt;">fifteen</font><font style="font-family:inherit;font-size:10pt;"> states in the United States as well as in Mexico. For the years ended </font><font style="font-family:inherit;font-size:10pt;">March&#160;31, 2015</font><font style="font-family:inherit;font-size:10pt;">, </font><font style="font-family:inherit;font-size:10pt;">2014</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">2013</font><font style="font-family:inherit;font-size:10pt;">, total revenue within the Company's </font><font style="font-family:inherit;font-size:10pt;">four</font><font style="font-family:inherit;font-size:10pt;"> largest states (Texas, Georgia, Tennessee, S. Carolina) accounted for approximately </font><font style="font-family:inherit;font-size:10pt;">54%</font><font style="font-family:inherit;font-size:10pt;">, </font><font style="font-family:inherit;font-size:10pt;">58%</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">56%</font><font style="font-family:inherit;font-size:10pt;">, respectively, of the Company's total revenues. </font></div><div style="line-height:120%;text-align:justify;padding-left:30px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;padding-left:30px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The Company maintains amounts in bank accounts which, at times, may exceed federally insured limits. The Company has not experienced losses in such accounts, which are maintained with large domestic banks. Management believes the Company&#8217;s exposure to credit risk is minimal for these accounts. </font></div></div>
CY2015 us-gaap Nature Of Operations
NatureOfOperations
<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;text-align:justify;padding-left:30px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;font-weight:bold;">Nature of Operations</font></div><div style="line-height:120%;padding-left:30px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;padding-left:30px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The Company is a small-loan consumer finance company headquartered in Greenville, South Carolina, that offers short-term small loans, medium-term larger loans, related credit insurance products and ancillary products and services to individuals who have limited access to other sources of consumer credit.&#160;&#160;It also offers income tax return preparation services to its customer base and to others.</font></div><div style="line-height:120%;padding-left:30px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;padding-left:30px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The Company also markets computer software and related services to financial services companies through its ParaData Financial Systems (&#8220;ParaData&#8221;) subsidiary.</font></div><div style="line-height:120%;padding-left:30px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;padding-left:30px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">As of </font><font style="font-family:inherit;font-size:10pt;">March&#160;31, 2015</font><font style="font-family:inherit;font-size:10pt;">, the Company operated </font><font style="font-family:inherit;font-size:10pt;">1,172</font><font style="font-family:inherit;font-size:10pt;"> branches in Alabama, Georgia, Idaho, Illinois, Indiana, Kentucky, Louisiana, Mississippi, Missouri, New Mexico, Oklahoma, South Carolina, Tennessee, Texas, and Wisconsin.&#160;&#160;The Company also operated </font><font style="font-family:inherit;font-size:10pt;">148</font><font style="font-family:inherit;font-size:10pt;"> branches in Mexico.&#160;&#160;The Company is subject to numerous lending regulations that vary by jurisdiction.</font></div></div>
CY2015 us-gaap Reclassifications
Reclassifications
<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;text-align:justify;padding-left:30px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;font-weight:bold;">Reclassification</font></div><div style="line-height:120%;text-align:justify;padding-left:30px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;padding-left:30px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Certain prior period amounts have been reclassified to conform to current presentation. Such reclassifications had no impact on previously reported net income or shareholders' equity.</font></div><div style="line-height:120%;text-align:justify;padding-left:30px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></div>
CY2015 us-gaap Use Of Estimates
UseOfEstimates
<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;text-align:justify;padding-left:30px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;font-weight:bold;">Use of Estimates in the Preparation of Consolidated Financial Statements</font></div><div style="line-height:120%;padding-left:30px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;text-align:justify;padding-left:30px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amount of assets and liabilities and disclosure of contingent liabilities at the date of the financial statements and the reported amounts of revenue and expenses during the reporting period.&#160;&#160;The most significant item subject to such estimates and assumptions that could materially change in the near term is the allowance for loan losses.&#160;&#160;Actual results could differ from those estimates.</font></div></div>

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