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<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
36.5
monetaryItemType
table: <entity> 36.5 </entity> <entity type> monetaryItemType </entity type> <context> Stock-based compensation | 45.0 | 39.1 | 36.5 </context>
us-gaap:ShareBasedCompensation
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
—
monetaryItemType
table: <entity> — </entity> <entity type> monetaryItemType </entity type> <context> Loss on extinguishment of debt | — | 1.8 | — </context>
us-gaap:GainsLossesOnExtinguishmentOfDebt
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
1.8
monetaryItemType
table: <entity> 1.8 </entity> <entity type> monetaryItemType </entity type> <context> Loss on extinguishment of debt | — | 1.8 | — </context>
us-gaap:GainsLossesOnExtinguishmentOfDebt
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
0.8
monetaryItemType
table: <entity> 0.8 </entity> <entity type> monetaryItemType </entity type> <context> Other | 0.8 | 0.6 | 0.3 </context>
us-gaap:OtherOperatingActivitiesCashFlowStatement
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
0.6
monetaryItemType
table: <entity> 0.6 </entity> <entity type> monetaryItemType </entity type> <context> Other | 0.8 | 0.6 | 0.3 </context>
us-gaap:OtherOperatingActivitiesCashFlowStatement
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
0.3
monetaryItemType
table: <entity> 0.3 </entity> <entity type> monetaryItemType </entity type> <context> Other | 0.8 | 0.6 | 0.3 </context>
us-gaap:OtherOperatingActivitiesCashFlowStatement
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
6.8
monetaryItemType
table: <entity> 6.8 </entity> <entity type> monetaryItemType </entity type> <context> Increase in accounts payable and accrued liabilities | 6.8 | 49.7 | 67.9 </context>
us-gaap:IncreaseDecreaseInAccountsPayableAndAccruedLiabilities
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
49.7
monetaryItemType
table: <entity> 49.7 </entity> <entity type> monetaryItemType </entity type> <context> Increase in accounts payable and accrued liabilities | 6.8 | 49.7 | 67.9 </context>
us-gaap:IncreaseDecreaseInAccountsPayableAndAccruedLiabilities
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
67.9
monetaryItemType
table: <entity> 67.9 </entity> <entity type> monetaryItemType </entity type> <context> Increase in accounts payable and accrued liabilities | 6.8 | 49.7 | 67.9 </context>
us-gaap:IncreaseDecreaseInAccountsPayableAndAccruedLiabilities
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
0.1
monetaryItemType
table: <entity> 0.1 </entity> <entity type> monetaryItemType </entity type> <context> Decrease in income taxes receivable | 0.1 | 4.4 | 100.5 </context>
us-gaap:IncreaseDecreaseInIncomeTaxesReceivable
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
4.4
monetaryItemType
table: <entity> 4.4 </entity> <entity type> monetaryItemType </entity type> <context> Decrease in income taxes receivable | 0.1 | 4.4 | 100.5 </context>
us-gaap:IncreaseDecreaseInIncomeTaxesReceivable
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
100.5
monetaryItemType
table: <entity> 100.5 </entity> <entity type> monetaryItemType </entity type> <context> Decrease in income taxes receivable | 0.1 | 4.4 | 100.5 </context>
us-gaap:IncreaseDecreaseInIncomeTaxesReceivable
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
36.2
monetaryItemType
table: <entity> 36.2 </entity> <entity type> monetaryItemType </entity type> <context> Increase in income taxes payable | 36.2 | 78.5 | 2.3 </context>
us-gaap:IncreaseDecreaseInAccruedIncomeTaxesPayable
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
78.5
monetaryItemType
table: <entity> 78.5 </entity> <entity type> monetaryItemType </entity type> <context> Increase in income taxes payable | 36.2 | 78.5 | 2.3 </context>
us-gaap:IncreaseDecreaseInAccruedIncomeTaxesPayable
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
2.3
monetaryItemType
table: <entity> 2.3 </entity> <entity type> monetaryItemType </entity type> <context> Increase in income taxes payable | 36.2 | 78.5 | 2.3 </context>
us-gaap:IncreaseDecreaseInAccruedIncomeTaxesPayable
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
5.3
monetaryItemType
table: <entity> 5.3 </entity> <entity type> monetaryItemType </entity type> <context> Decrease (increase) in other assets | 5.3 | 18.8 | ( 3.9 ) </context>
us-gaap:IncreaseDecreaseInOtherOperatingAssets
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
18.8
monetaryItemType
table: <entity> 18.8 </entity> <entity type> monetaryItemType </entity type> <context> Decrease (increase) in other assets | 5.3 | 18.8 | ( 3.9 ) </context>
us-gaap:IncreaseDecreaseInOtherOperatingAssets
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
3.9
monetaryItemType
table: <entity> 3.9 </entity> <entity type> monetaryItemType </entity type> <context> None </context>
us-gaap:IncreaseDecreaseInOtherOperatingAssets
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
1137.9
monetaryItemType
table: <entity> 1137.9 </entity> <entity type> monetaryItemType </entity type> <context> Net cash provided by operating activities | 1,137.9 | 1,203.8 | 1,238.7 </context>
us-gaap:NetCashProvidedByUsedInOperatingActivities
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
1203.8
monetaryItemType
table: <entity> 1203.8 </entity> <entity type> monetaryItemType </entity type> <context> Net cash provided by operating activities | 1,137.9 | 1,203.8 | 1,238.7 </context>
us-gaap:NetCashProvidedByUsedInOperatingActivities
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
1238.7
monetaryItemType
table: <entity> 1238.7 </entity> <entity type> monetaryItemType </entity type> <context> Net cash provided by operating activities | 1,137.9 | 1,203.8 | 1,238.7 </context>
us-gaap:NetCashProvidedByUsedInOperatingActivities
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
59.0
monetaryItemType
table: <entity> 59.0 </entity> <entity type> monetaryItemType </entity type> <context> None </context>
us-gaap:PaymentsToAcquireAvailableForSaleSecuritiesDebt
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
43.3
monetaryItemType
table: <entity> 43.3 </entity> <entity type> monetaryItemType </entity type> <context> None </context>
us-gaap:PaymentsToAcquireAvailableForSaleSecuritiesDebt
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
50.1
monetaryItemType
table: <entity> 50.1 </entity> <entity type> monetaryItemType </entity type> <context> None </context>
us-gaap:PaymentsToAcquireAvailableForSaleSecuritiesDebt
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
36.9
monetaryItemType
table: <entity> 36.9 </entity> <entity type> monetaryItemType </entity type> <context> Proceeds from sale of restricted securities available for sale | 36.9 | 15.8 | 11.1 </context>
us-gaap:ProceedsFromSaleOfAvailableForSaleSecuritiesDebt
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
15.8
monetaryItemType
table: <entity> 15.8 </entity> <entity type> monetaryItemType </entity type> <context> Proceeds from sale of restricted securities available for sale | 36.9 | 15.8 | 11.1 </context>
us-gaap:ProceedsFromSaleOfAvailableForSaleSecuritiesDebt
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
11.1
monetaryItemType
table: <entity> 11.1 </entity> <entity type> monetaryItemType </entity type> <context> Proceeds from sale of restricted securities available for sale | 36.9 | 15.8 | 11.1 </context>
us-gaap:ProceedsFromSaleOfAvailableForSaleSecuritiesDebt
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
9.3
monetaryItemType
table: <entity> 9.3 </entity> <entity type> monetaryItemType </entity type> <context> Maturities of restricted securities available for sale | 9.3 | 8.5 | 24.3 </context>
us-gaap:ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
8.5
monetaryItemType
table: <entity> 8.5 </entity> <entity type> monetaryItemType </entity type> <context> Maturities of restricted securities available for sale | 9.3 | 8.5 | 24.3 </context>
us-gaap:ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
24.3
monetaryItemType
table: <entity> 24.3 </entity> <entity type> monetaryItemType </entity type> <context> Maturities of restricted securities available for sale | 9.3 | 8.5 | 24.3 </context>
us-gaap:ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
3208.9
monetaryItemType
table: <entity> 3208.9 </entity> <entity type> monetaryItemType </entity type> <context> Principal collected on Loans receivable | 3,208.9 | 3,036.8 | 3,413.3 </context>
us-gaap:ProceedsFromLoanAndLeaseOriginationsAndPrincipalCollections1
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
3036.8
monetaryItemType
table: <entity> 3036.8 </entity> <entity type> monetaryItemType </entity type> <context> Principal collected on Loans receivable | 3,208.9 | 3,036.8 | 3,413.3 </context>
us-gaap:ProceedsFromLoanAndLeaseOriginationsAndPrincipalCollections1
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
3413.3
monetaryItemType
table: <entity> 3413.3 </entity> <entity type> monetaryItemType </entity type> <context> Principal collected on Loans receivable | 3,208.9 | 3,036.8 | 3,413.3 </context>
us-gaap:ProceedsFromLoanAndLeaseOriginationsAndPrincipalCollections1
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
1040.1
monetaryItemType
table: <entity> 1040.1 </entity> <entity type> monetaryItemType </entity type> <context> None </context>
us-gaap:PaymentsToAcquireLoansReceivable
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
1214.1
monetaryItemType
table: <entity> 1214.1 </entity> <entity type> monetaryItemType </entity type> <context> None </context>
us-gaap:PaymentsToAcquireLoansReceivable
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
1095.3
monetaryItemType
table: <entity> 1095.3 </entity> <entity type> monetaryItemType </entity type> <context> None </context>
us-gaap:PaymentsToAcquireLoansReceivable
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
1.8
monetaryItemType
table: <entity> 1.8 </entity> <entity type> monetaryItemType </entity type> <context> Loss on extinguishment of debt | — | 1.8 | — </context>
us-gaap:PaymentsToAcquirePropertyPlantAndEquipment
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
4.0
monetaryItemType
table: <entity> 4.0 </entity> <entity type> monetaryItemType </entity type> <context> None </context>
us-gaap:PaymentsToAcquirePropertyPlantAndEquipment
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
3.1
monetaryItemType
table: <entity> 3.1 </entity> <entity type> monetaryItemType </entity type> <context> None </context>
us-gaap:PaymentsToAcquirePropertyPlantAndEquipment
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
3.2
monetaryItemType
table: <entity> 3.2 </entity> <entity type> monetaryItemType </entity type> <context> Proceeds from sale of building | 3.2 | — | — </context>
us-gaap:ProceedsFromSaleOfBuildings
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
—
monetaryItemType
table: <entity> — </entity> <entity type> monetaryItemType </entity type> <context> Loss on extinguishment of debt | — | 1.8 | — </context>
us-gaap:ProceedsFromSaleOfBuildings
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
1721.1
monetaryItemType
table: <entity> 1721.1 </entity> <entity type> monetaryItemType </entity type> <context> None </context>
us-gaap:NetCashProvidedByUsedInInvestingActivities
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
1416.8
monetaryItemType
table: <entity> 1416.8 </entity> <entity type> monetaryItemType </entity type> <context> None </context>
us-gaap:NetCashProvidedByUsedInInvestingActivities
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
460.6
monetaryItemType
table: <entity> 460.6 </entity> <entity type> monetaryItemType </entity type> <context> None </context>
us-gaap:NetCashProvidedByUsedInInvestingActivities
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
6125.9
monetaryItemType
table: <entity> 6125.9 </entity> <entity type> monetaryItemType </entity type> <context> Borrowings under revolving secured lines of credit | 6,125.9 | 7,431.9 | 6,622.6 </context>
us-gaap:ProceedsFromLongTermLinesOfCredit
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
7431.9
monetaryItemType
table: <entity> 7431.9 </entity> <entity type> monetaryItemType </entity type> <context> Borrowings under revolving secured lines of credit | 6,125.9 | 7,431.9 | 6,622.6 </context>
us-gaap:ProceedsFromLongTermLinesOfCredit
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
6622.6
monetaryItemType
table: <entity> 6622.6 </entity> <entity type> monetaryItemType </entity type> <context> Borrowings under revolving secured lines of credit | 6,125.9 | 7,431.9 | 6,622.6 </context>
us-gaap:ProceedsFromLongTermLinesOfCredit
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
6205.0
monetaryItemType
table: <entity> 6205.0 </entity> <entity type> monetaryItemType </entity type> <context> None </context>
us-gaap:RepaymentsOfLongTermLinesOfCredit
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
7383.6
monetaryItemType
table: <entity> 7383.6 </entity> <entity type> monetaryItemType </entity type> <context> None </context>
us-gaap:RepaymentsOfLongTermLinesOfCredit
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
6594.3
monetaryItemType
table: <entity> 6594.3 </entity> <entity type> monetaryItemType </entity type> <context> None </context>
us-gaap:RepaymentsOfLongTermLinesOfCredit
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
3619.4
monetaryItemType
table: <entity> 3619.4 </entity> <entity type> monetaryItemType </entity type> <context> Proceeds from secured financing | 3,619.4 | 2,762.0 | 1,541.9 </context>
us-gaap:ProceedsFromIssuanceOfSecuredDebt
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
2762.0
monetaryItemType
table: <entity> 2762.0 </entity> <entity type> monetaryItemType </entity type> <context> Proceeds from secured financing | 3,619.4 | 2,762.0 | 1,541.9 </context>
us-gaap:ProceedsFromIssuanceOfSecuredDebt
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
1541.9
monetaryItemType
table: <entity> 1541.9 </entity> <entity type> monetaryItemType </entity type> <context> Proceeds from secured financing | 3,619.4 | 2,762.0 | 1,541.9 </context>
us-gaap:ProceedsFromIssuanceOfSecuredDebt
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
2246.6
monetaryItemType
table: <entity> 2246.6 </entity> <entity type> monetaryItemType </entity type> <context> None </context>
us-gaap:RepaymentsOfSecuredDebt
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
2519.8
monetaryItemType
table: <entity> 2519.8 </entity> <entity type> monetaryItemType </entity type> <context> None </context>
us-gaap:RepaymentsOfSecuredDebt
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
1599.2
monetaryItemType
table: <entity> 1599.2 </entity> <entity type> monetaryItemType </entity type> <context> None </context>
us-gaap:RepaymentsOfSecuredDebt
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
—
monetaryItemType
table: <entity> — </entity> <entity type> monetaryItemType </entity type> <context> Loss on extinguishment of debt | — | 1.8 | — </context>
us-gaap:ProceedsFromIssuanceOfSeniorLongTermDebt
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
600.0
monetaryItemType
table: <entity> 600.0 </entity> <entity type> monetaryItemType </entity type> <context> Proceeds from issuance of senior notes | — | 600.0 | — </context>
us-gaap:ProceedsFromIssuanceOfSeniorLongTermDebt
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
—
monetaryItemType
table: <entity> — </entity> <entity type> monetaryItemType </entity type> <context> Loss on extinguishment of debt | — | 1.8 | — </context>
us-gaap:RepaymentsOfSeniorDebt
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
400.0
monetaryItemType
table: <entity> 400.0 </entity> <entity type> monetaryItemType </entity type> <context> None </context>
us-gaap:RepaymentsOfSeniorDebt
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
21.7
monetaryItemType
table: <entity> 21.7 </entity> <entity type> monetaryItemType </entity type> <context> None </context>
us-gaap:PaymentsOfDebtIssuanceCosts
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
33.3
monetaryItemType
table: <entity> 33.3 </entity> <entity type> monetaryItemType </entity type> <context> None </context>
us-gaap:PaymentsOfDebtIssuanceCosts
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
12.5
monetaryItemType
table: <entity> 12.5 </entity> <entity type> monetaryItemType </entity type> <context> None </context>
us-gaap:PaymentsOfDebtIssuanceCosts
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
313.3
monetaryItemType
table: <entity> 313.3 </entity> <entity type> monetaryItemType </entity type> <context> None </context>
us-gaap:PaymentsForRepurchaseOfCommonStock
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
202.6
monetaryItemType
table: <entity> 202.6 </entity> <entity type> monetaryItemType </entity type> <context> None </context>
us-gaap:PaymentsForRepurchaseOfCommonStock
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
784.5
monetaryItemType
table: <entity> 784.5 </entity> <entity type> monetaryItemType </entity type> <context> None </context>
us-gaap:PaymentsForRepurchaseOfCommonStock
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
15.6
monetaryItemType
table: <entity> 15.6 </entity> <entity type> monetaryItemType </entity type> <context> Proceeds from stock options exercised | 15.6 | 5.2 | 15.1 </context>
us-gaap:ProceedsFromIssuanceOfCommonStock
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
5.2
monetaryItemType
table: <entity> 5.2 </entity> <entity type> monetaryItemType </entity type> <context> Proceeds from stock options exercised | 15.6 | 5.2 | 15.1 </context>
us-gaap:ProceedsFromIssuanceOfCommonStock
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
15.1
monetaryItemType
table: <entity> 15.1 </entity> <entity type> monetaryItemType </entity type> <context> Proceeds from stock options exercised | 15.6 | 5.2 | 15.1 </context>
us-gaap:ProceedsFromIssuanceOfCommonStock
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
17.0
monetaryItemType
table: <entity> 17.0 </entity> <entity type> monetaryItemType </entity type> <context> None </context>
us-gaap:ProceedsFromPaymentsForOtherFinancingActivities
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
6.4
monetaryItemType
table: <entity> 6.4 </entity> <entity type> monetaryItemType </entity type> <context> Other | ( 17.0 ) | 6.4 | 16.3 </context>
us-gaap:ProceedsFromPaymentsForOtherFinancingActivities
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
16.3
monetaryItemType
table: <entity> 16.3 </entity> <entity type> monetaryItemType </entity type> <context> Other | ( 17.0 ) | 6.4 | 16.3 </context>
us-gaap:ProceedsFromPaymentsForOtherFinancingActivities
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
957.3
monetaryItemType
table: <entity> 957.3 </entity> <entity type> monetaryItemType </entity type> <context> Net cash provided by (used in) financing activities | 957.3 | 266.2 | ( 794.6 ) </context>
us-gaap:NetCashProvidedByUsedInFinancingActivities
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
266.2
monetaryItemType
table: <entity> 266.2 </entity> <entity type> monetaryItemType </entity type> <context> Net cash provided by (used in) financing activities | 957.3 | 266.2 | ( 794.6 ) </context>
us-gaap:NetCashProvidedByUsedInFinancingActivities
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
794.6
monetaryItemType
table: <entity> 794.6 </entity> <entity type> monetaryItemType </entity type> <context> None </context>
us-gaap:NetCashProvidedByUsedInFinancingActivities
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
374.1
monetaryItemType
table: <entity> 374.1 </entity> <entity type> monetaryItemType </entity type> <context> Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents | 374.1 | 53.2 | ( 16.5 ) </context>
us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
53.2
monetaryItemType
table: <entity> 53.2 </entity> <entity type> monetaryItemType </entity type> <context> Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents | 374.1 | 53.2 | ( 16.5 ) </context>
us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
16.5
monetaryItemType
table: <entity> 16.5 </entity> <entity type> monetaryItemType </entity type> <context> None </context>
us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
470.9
monetaryItemType
table: <entity> 470.9 </entity> <entity type> monetaryItemType </entity type> <context> Cash and cash equivalents and restricted cash and cash equivalents, beginning of period | 470.9 | 417.7 | 434.2 </context>
us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
417.7
monetaryItemType
table: <entity> 417.7 </entity> <entity type> monetaryItemType </entity type> <context> Cash and cash equivalents and restricted cash and cash equivalents, beginning of period | 470.9 | 417.7 | 434.2 </context>
us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
434.2
monetaryItemType
table: <entity> 434.2 </entity> <entity type> monetaryItemType </entity type> <context> Cash and cash equivalents and restricted cash and cash equivalents, beginning of period | 470.9 | 417.7 | 434.2 </context>
us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
845.0
monetaryItemType
table: <entity> 845.0 </entity> <entity type> monetaryItemType </entity type> <context> Cash and cash equivalents and restricted cash and cash equivalents, end of period | $ | 845.0 | $ | 470.9 | $ | 417.7 </context>
us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
393.4
monetaryItemType
table: <entity> 393.4 </entity> <entity type> monetaryItemType </entity type> <context> Cash paid during the period for interest | $ | 393.4 | $ | 242.1 | $ | 147.3 </context>
us-gaap:InterestPaidNet
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
242.1
monetaryItemType
table: <entity> 242.1 </entity> <entity type> monetaryItemType </entity type> <context> Cash paid during the period for interest | $ | 393.4 | $ | 242.1 | $ | 147.3 </context>
us-gaap:InterestPaidNet
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
147.3
monetaryItemType
table: <entity> 147.3 </entity> <entity type> monetaryItemType </entity type> <context> Cash paid during the period for interest | $ | 393.4 | $ | 242.1 | $ | 147.3 </context>
us-gaap:InterestPaidNet
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
103.7
monetaryItemType
table: <entity> 103.7 </entity> <entity type> monetaryItemType </entity type> <context> Cash paid during the period for income taxes, net of refunds | $ | 103.7 | $ | 31.9 | $ | 72.7 </context>
us-gaap:IncomeTaxesPaidNet
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
31.9
monetaryItemType
table: <entity> 31.9 </entity> <entity type> monetaryItemType </entity type> <context> Cash paid during the period for income taxes, net of refunds | $ | 103.7 | $ | 31.9 | $ | 72.7 </context>
us-gaap:IncomeTaxesPaidNet
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>For the Years Ended December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash Flows From Operating Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net income</td><td>$</td><td>247.9</td><td></td><td></td><td>$</td><td>286.1</td><td></td><td></td><td>$</td><td>535.8</td><td></td></tr><tr><td>Adjustments to reconcile cash provided by operating activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Provision for credit losses</td><td>814.7</td><td></td><td></td><td>736.2</td><td></td><td></td><td>481.4</td><td></td></tr><tr><td>Depreciation</td><td>6.7</td><td></td><td></td><td>8.9</td><td></td><td></td><td>9.0</td><td></td></tr><tr><td>Amortization</td><td>21.1</td><td></td><td></td><td>17.7</td><td></td><td></td><td>16.6</td><td></td></tr><tr><td>Credit for deferred income taxes</td><td>( 70.4 )</td><td></td><td></td><td>( 38.0 )</td><td></td><td></td><td>( 7.7 )</td><td></td></tr><tr><td>Stock-based compensation</td><td>45.0</td><td></td><td></td><td>39.1</td><td></td><td></td><td>36.5</td><td></td></tr><tr><td>Loss on extinguishment of debt</td><td>—</td><td></td><td></td><td>1.8</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Loss on sale of building</td><td>23.7</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Other</td><td>0.8</td><td></td><td></td><td>0.6</td><td></td><td></td><td>0.3</td><td></td></tr><tr><td>Change in operating assets and liabilities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Increase in accounts payable and accrued liabilities</td><td>6.8</td><td></td><td></td><td>49.7</td><td></td><td></td><td>67.9</td><td></td></tr><tr><td>Decrease in income taxes receivable</td><td>0.1</td><td></td><td></td><td>4.4</td><td></td><td></td><td>100.5</td><td></td></tr><tr><td>Increase in income taxes payable</td><td>36.2</td><td></td><td></td><td>78.5</td><td></td><td></td><td>2.3</td><td></td></tr><tr><td>Decrease (increase) in other assets</td><td>5.3</td><td></td><td></td><td>18.8</td><td></td><td></td><td>( 3.9 )</td><td></td></tr><tr><td>Net cash provided by operating activities</td><td>1,137.9</td><td></td><td></td><td>1,203.8</td><td></td><td></td><td>1,238.7</td><td></td></tr><tr><td>Cash Flows From Investing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Purchases of restricted securities available for sale</td><td>( 59.0 )</td><td></td><td></td><td>( 43.3 )</td><td></td><td></td><td>( 50.1 )</td><td></td></tr><tr><td>Proceeds from sale of restricted securities available for sale</td><td>36.9</td><td></td><td></td><td>15.8</td><td></td><td></td><td>11.1</td><td></td></tr><tr><td>Maturities of restricted securities available for sale</td><td>9.3</td><td></td><td></td><td>8.5</td><td></td><td></td><td>24.3</td><td></td></tr><tr><td>Principal collected on Loans receivable</td><td>3,208.9</td><td></td><td></td><td>3,036.8</td><td></td><td></td><td>3,413.3</td><td></td></tr><tr><td>Advances to Dealers</td><td>( 3,578.3 )</td><td></td><td></td><td>( 2,933.7 )</td><td></td><td></td><td>( 2,530.0 )</td><td></td></tr><tr><td>Purchases of Consumer Loans</td><td>( 1,040.1 )</td><td></td><td></td><td>( 1,214.1 )</td><td></td><td></td><td>( 1,095.3 )</td><td></td></tr><tr><td>Accelerated payments of Dealer Holdback</td><td>( 59.0 )</td><td></td><td></td><td>( 46.9 )</td><td></td><td></td><td>( 44.2 )</td><td></td></tr><tr><td>Payments of Dealer Holdback</td><td>( 241.2 )</td><td></td><td></td><td>( 235.9 )</td><td></td><td></td><td>( 186.6 )</td><td></td></tr><tr><td>Purchases of property and equipment</td><td>( 1.8 )</td><td></td><td></td><td>( 4.0 )</td><td></td><td></td><td>( 3.1 )</td><td></td></tr><tr><td>Proceeds from sale of building</td><td>3.2</td><td></td><td></td><td>—</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Net cash used in investing activities</td><td>( 1,721.1 )</td><td></td><td></td><td>( 1,416.8 )</td><td></td><td></td><td>( 460.6 )</td><td></td></tr><tr><td>Cash Flows From Financing Activities:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Borrowings under revolving secured lines of credit</td><td>6,125.9</td><td></td><td></td><td>7,431.9</td><td></td><td></td><td>6,622.6</td><td></td></tr><tr><td>Repayments under revolving secured lines of credit</td><td>( 6,205.0 )</td><td></td><td></td><td>( 7,383.6 )</td><td></td><td></td><td>( 6,594.3 )</td><td></td></tr><tr><td>Proceeds from secured financing</td><td>3,619.4</td><td></td><td></td><td>2,762.0</td><td></td><td></td><td>1,541.9</td><td></td></tr><tr><td>Repayments of secured financing</td><td>( 2,246.6 )</td><td></td><td></td><td>( 2,519.8 )</td><td></td><td></td><td>( 1,599.2 )</td><td></td></tr><tr><td>Proceeds from issuance of senior notes</td><td>—</td><td></td><td></td><td>600.0</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Repayment of senior notes</td><td>—</td><td></td><td></td><td>( 400.0 )</td><td></td><td></td><td>—</td><td></td></tr><tr><td>Payments of debt issuance costs and debt extinguishment costs</td><td>( 21.7 )</td><td></td><td></td><td>( 33.3 )</td><td></td><td></td><td>( 12.5 )</td><td></td></tr><tr><td>Repurchase of common stock</td><td>( 313.3 )</td><td></td><td></td><td>( 202.6 )</td><td></td><td></td><td>( 784.5 )</td><td></td></tr><tr><td>Proceeds from stock options exercised</td><td>15.6</td><td></td><td></td><td>5.2</td><td></td><td></td><td>15.1</td><td></td></tr><tr><td>Other</td><td>( 17.0 )</td><td></td><td></td><td>6.4</td><td></td><td></td><td>16.3</td><td></td></tr><tr><td>Net cash provided by (used in) financing activities</td><td>957.3</td><td></td><td></td><td>266.2</td><td></td><td></td><td>( 794.6 )</td><td></td></tr><tr><td>Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents</td><td>374.1</td><td></td><td></td><td>53.2</td><td></td><td></td><td>( 16.5 )</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, beginning of period</td><td>470.9</td><td></td><td></td><td>417.7</td><td></td><td></td><td>434.2</td><td></td></tr><tr><td>Cash and cash equivalents and restricted cash and cash equivalents, end of period</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr><tr><td>Supplemental Disclosure of Cash Flow Information:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash paid during the period for interest</td><td>$</td><td>393.4</td><td></td><td></td><td>$</td><td>242.1</td><td></td><td></td><td>$</td><td>147.3</td><td></td></tr><tr><td>Cash paid during the period for income taxes, net of refunds</td><td>$</td><td>103.7</td><td></td><td></td><td>$</td><td>31.9</td><td></td><td></td><td>$</td><td>72.7</td><td></td></tr></table>
table
72.7
monetaryItemType
table: <entity> 72.7 </entity> <entity type> monetaryItemType </entity type> <context> Cash paid during the period for income taxes, net of refunds | $ | 103.7 | $ | 31.9 | $ | 72.7 </context>
us-gaap:IncomeTaxesPaidNet
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>As of December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash and cash equivalents</td><td>$</td><td>343.7</td><td></td><td></td><td>$</td><td>13.2</td><td></td><td></td><td>$</td><td>7.7</td><td></td></tr><tr><td>Restricted cash and cash equivalents</td><td>501.3</td><td></td><td></td><td>457.7</td><td></td><td></td><td>410.0</td><td></td></tr><tr><td>Total cash and cash equivalents and restricted cash and cash equivalents Total cash and cash equivalents and restricted cash and cash equivalents</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr></table>
table
343.7
monetaryItemType
table: <entity> 343.7 </entity> <entity type> monetaryItemType </entity type> <context> Cash and cash equivalents | $ | 343.7 | $ | 13.2 | $ | 7.7 </context>
us-gaap:CashAndCashEquivalentsAtCarryingValue
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>As of December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash and cash equivalents</td><td>$</td><td>343.7</td><td></td><td></td><td>$</td><td>13.2</td><td></td><td></td><td>$</td><td>7.7</td><td></td></tr><tr><td>Restricted cash and cash equivalents</td><td>501.3</td><td></td><td></td><td>457.7</td><td></td><td></td><td>410.0</td><td></td></tr><tr><td>Total cash and cash equivalents and restricted cash and cash equivalents Total cash and cash equivalents and restricted cash and cash equivalents</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr></table>
table
13.2
monetaryItemType
table: <entity> 13.2 </entity> <entity type> monetaryItemType </entity type> <context> Cash and cash equivalents | $ | 343.7 | $ | 13.2 | $ | 7.7 </context>
us-gaap:CashAndCashEquivalentsAtCarryingValue
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>As of December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash and cash equivalents</td><td>$</td><td>343.7</td><td></td><td></td><td>$</td><td>13.2</td><td></td><td></td><td>$</td><td>7.7</td><td></td></tr><tr><td>Restricted cash and cash equivalents</td><td>501.3</td><td></td><td></td><td>457.7</td><td></td><td></td><td>410.0</td><td></td></tr><tr><td>Total cash and cash equivalents and restricted cash and cash equivalents Total cash and cash equivalents and restricted cash and cash equivalents</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr></table>
table
7.7
monetaryItemType
table: <entity> 7.7 </entity> <entity type> monetaryItemType </entity type> <context> Cash and cash equivalents | $ | 343.7 | $ | 13.2 | $ | 7.7 </context>
us-gaap:CashAndCashEquivalentsAtCarryingValue
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>As of December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash and cash equivalents</td><td>$</td><td>343.7</td><td></td><td></td><td>$</td><td>13.2</td><td></td><td></td><td>$</td><td>7.7</td><td></td></tr><tr><td>Restricted cash and cash equivalents</td><td>501.3</td><td></td><td></td><td>457.7</td><td></td><td></td><td>410.0</td><td></td></tr><tr><td>Total cash and cash equivalents and restricted cash and cash equivalents Total cash and cash equivalents and restricted cash and cash equivalents</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr></table>
table
501.3
monetaryItemType
table: <entity> 501.3 </entity> <entity type> monetaryItemType </entity type> <context> Restricted cash and cash equivalents | 501.3 | 457.7 | 410.0 </context>
us-gaap:RestrictedCashAndCashEquivalents
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>As of December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash and cash equivalents</td><td>$</td><td>343.7</td><td></td><td></td><td>$</td><td>13.2</td><td></td><td></td><td>$</td><td>7.7</td><td></td></tr><tr><td>Restricted cash and cash equivalents</td><td>501.3</td><td></td><td></td><td>457.7</td><td></td><td></td><td>410.0</td><td></td></tr><tr><td>Total cash and cash equivalents and restricted cash and cash equivalents Total cash and cash equivalents and restricted cash and cash equivalents</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr></table>
table
457.7
monetaryItemType
table: <entity> 457.7 </entity> <entity type> monetaryItemType </entity type> <context> Restricted cash and cash equivalents | 501.3 | 457.7 | 410.0 </context>
us-gaap:RestrictedCashAndCashEquivalents
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>As of December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash and cash equivalents</td><td>$</td><td>343.7</td><td></td><td></td><td>$</td><td>13.2</td><td></td><td></td><td>$</td><td>7.7</td><td></td></tr><tr><td>Restricted cash and cash equivalents</td><td>501.3</td><td></td><td></td><td>457.7</td><td></td><td></td><td>410.0</td><td></td></tr><tr><td>Total cash and cash equivalents and restricted cash and cash equivalents Total cash and cash equivalents and restricted cash and cash equivalents</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr></table>
table
410.0
monetaryItemType
table: <entity> 410.0 </entity> <entity type> monetaryItemType </entity type> <context> Restricted cash and cash equivalents | 501.3 | 457.7 | 410.0 </context>
us-gaap:RestrictedCashAndCashEquivalents
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>As of December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash and cash equivalents</td><td>$</td><td>343.7</td><td></td><td></td><td>$</td><td>13.2</td><td></td><td></td><td>$</td><td>7.7</td><td></td></tr><tr><td>Restricted cash and cash equivalents</td><td>501.3</td><td></td><td></td><td>457.7</td><td></td><td></td><td>410.0</td><td></td></tr><tr><td>Total cash and cash equivalents and restricted cash and cash equivalents Total cash and cash equivalents and restricted cash and cash equivalents</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr></table>
table
845.0
monetaryItemType
table: <entity> 845.0 </entity> <entity type> monetaryItemType </entity type> <context> Total cash and cash equivalents and restricted cash and cash equivalents Total cash and cash equivalents and restricted cash and cash equivalents | $ | 845.0 | $ | 470.9 | $ | 417.7 </context>
us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>As of December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash and cash equivalents</td><td>$</td><td>343.7</td><td></td><td></td><td>$</td><td>13.2</td><td></td><td></td><td>$</td><td>7.7</td><td></td></tr><tr><td>Restricted cash and cash equivalents</td><td>501.3</td><td></td><td></td><td>457.7</td><td></td><td></td><td>410.0</td><td></td></tr><tr><td>Total cash and cash equivalents and restricted cash and cash equivalents Total cash and cash equivalents and restricted cash and cash equivalents</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr></table>
table
470.9
monetaryItemType
table: <entity> 470.9 </entity> <entity type> monetaryItemType </entity type> <context> Total cash and cash equivalents and restricted cash and cash equivalents Total cash and cash equivalents and restricted cash and cash equivalents | $ | 845.0 | $ | 470.9 | $ | 417.7 </context>
us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>As of December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td><td></td><td>2022</td></tr><tr><td>Cash and cash equivalents</td><td>$</td><td>343.7</td><td></td><td></td><td>$</td><td>13.2</td><td></td><td></td><td>$</td><td>7.7</td><td></td></tr><tr><td>Restricted cash and cash equivalents</td><td>501.3</td><td></td><td></td><td>457.7</td><td></td><td></td><td>410.0</td><td></td></tr><tr><td>Total cash and cash equivalents and restricted cash and cash equivalents Total cash and cash equivalents and restricted cash and cash equivalents</td><td>$</td><td>845.0</td><td></td><td></td><td>$</td><td>470.9</td><td></td><td></td><td>$</td><td>417.7</td><td></td></tr></table>
table
417.7
monetaryItemType
table: <entity> 417.7 </entity> <entity type> monetaryItemType </entity type> <context> Total cash and cash equivalents and restricted cash and cash equivalents Total cash and cash equivalents and restricted cash and cash equivalents | $ | 845.0 | $ | 470.9 | $ | 417.7 </context>
us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>As of December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td></tr><tr><td></td><td>Carrying Amount</td><td></td><td>Estimated Fair Value</td><td></td><td>Carrying Amount</td><td></td><td>Estimated Fair Value</td></tr><tr><td>Assets</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash and cash equivalents</td><td>$</td><td>343.7</td><td></td><td></td><td>$</td><td>343.7</td><td></td><td></td><td>$</td><td>13.2</td><td></td><td></td><td>$</td><td>13.2</td><td></td></tr><tr><td>Restricted cash and cash equivalents</td><td>501.3</td><td></td><td></td><td>501.3</td><td></td><td></td><td>457.7</td><td></td><td></td><td>457.7</td><td></td></tr><tr><td>Restricted securities available for sale</td><td>106.4</td><td></td><td></td><td>106.4</td><td></td><td></td><td>93.2</td><td></td><td></td><td>93.2</td><td></td></tr><tr><td>Loans receivable, net</td><td>7,850.3</td><td></td><td></td><td>8,922.7</td><td></td><td></td><td>6,955.3</td><td></td><td></td><td>7,759.1</td><td></td></tr><tr><td>Liabilities</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Revolving secured lines of credit</td><td>$</td><td>0.1</td><td></td><td></td><td>$</td><td>0.1</td><td></td><td></td><td>$</td><td>79.2</td><td></td><td></td><td>$</td><td>79.2</td><td></td></tr><tr><td>Secured financing</td><td>5,361.5</td><td></td><td></td><td>5,431.9</td><td></td><td></td><td>3,990.9</td><td></td><td></td><td>4,025.9</td><td></td></tr><tr><td>Senior notes</td><td>991.3</td><td></td><td></td><td>1,035.3</td><td></td><td></td><td>989.0</td><td></td><td></td><td>1,039.8</td><td></td></tr><tr><td>Mortgage note</td><td>—</td><td></td><td></td><td>—</td><td></td><td></td><td>8.4</td><td></td><td></td><td>8.4</td><td></td></tr></table>
table
343.7
monetaryItemType
table: <entity> 343.7 </entity> <entity type> monetaryItemType </entity type> <context> Cash and cash equivalents | $ | 343.7 | $ | 343.7 | $ | 13.2 | $ | 13.2 </context>
us-gaap:CashAndCashEquivalentsFairValueDisclosure
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>As of December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td></tr><tr><td></td><td>Carrying Amount</td><td></td><td>Estimated Fair Value</td><td></td><td>Carrying Amount</td><td></td><td>Estimated Fair Value</td></tr><tr><td>Assets</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash and cash equivalents</td><td>$</td><td>343.7</td><td></td><td></td><td>$</td><td>343.7</td><td></td><td></td><td>$</td><td>13.2</td><td></td><td></td><td>$</td><td>13.2</td><td></td></tr><tr><td>Restricted cash and cash equivalents</td><td>501.3</td><td></td><td></td><td>501.3</td><td></td><td></td><td>457.7</td><td></td><td></td><td>457.7</td><td></td></tr><tr><td>Restricted securities available for sale</td><td>106.4</td><td></td><td></td><td>106.4</td><td></td><td></td><td>93.2</td><td></td><td></td><td>93.2</td><td></td></tr><tr><td>Loans receivable, net</td><td>7,850.3</td><td></td><td></td><td>8,922.7</td><td></td><td></td><td>6,955.3</td><td></td><td></td><td>7,759.1</td><td></td></tr><tr><td>Liabilities</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Revolving secured lines of credit</td><td>$</td><td>0.1</td><td></td><td></td><td>$</td><td>0.1</td><td></td><td></td><td>$</td><td>79.2</td><td></td><td></td><td>$</td><td>79.2</td><td></td></tr><tr><td>Secured financing</td><td>5,361.5</td><td></td><td></td><td>5,431.9</td><td></td><td></td><td>3,990.9</td><td></td><td></td><td>4,025.9</td><td></td></tr><tr><td>Senior notes</td><td>991.3</td><td></td><td></td><td>1,035.3</td><td></td><td></td><td>989.0</td><td></td><td></td><td>1,039.8</td><td></td></tr><tr><td>Mortgage note</td><td>—</td><td></td><td></td><td>—</td><td></td><td></td><td>8.4</td><td></td><td></td><td>8.4</td><td></td></tr></table>
table
13.2
monetaryItemType
table: <entity> 13.2 </entity> <entity type> monetaryItemType </entity type> <context> Cash and cash equivalents | $ | 343.7 | $ | 343.7 | $ | 13.2 | $ | 13.2 </context>
us-gaap:CashAndCashEquivalentsFairValueDisclosure
<table><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>(In millions)</td><td>As of December 31,</td></tr><tr><td></td><td>2024</td><td></td><td>2023</td></tr><tr><td></td><td>Carrying Amount</td><td></td><td>Estimated Fair Value</td><td></td><td>Carrying Amount</td><td></td><td>Estimated Fair Value</td></tr><tr><td>Assets</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Cash and cash equivalents</td><td>$</td><td>343.7</td><td></td><td></td><td>$</td><td>343.7</td><td></td><td></td><td>$</td><td>13.2</td><td></td><td></td><td>$</td><td>13.2</td><td></td></tr><tr><td>Restricted cash and cash equivalents</td><td>501.3</td><td></td><td></td><td>501.3</td><td></td><td></td><td>457.7</td><td></td><td></td><td>457.7</td><td></td></tr><tr><td>Restricted securities available for sale</td><td>106.4</td><td></td><td></td><td>106.4</td><td></td><td></td><td>93.2</td><td></td><td></td><td>93.2</td><td></td></tr><tr><td>Loans receivable, net</td><td>7,850.3</td><td></td><td></td><td>8,922.7</td><td></td><td></td><td>6,955.3</td><td></td><td></td><td>7,759.1</td><td></td></tr><tr><td>Liabilities</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Revolving secured lines of credit</td><td>$</td><td>0.1</td><td></td><td></td><td>$</td><td>0.1</td><td></td><td></td><td>$</td><td>79.2</td><td></td><td></td><td>$</td><td>79.2</td><td></td></tr><tr><td>Secured financing</td><td>5,361.5</td><td></td><td></td><td>5,431.9</td><td></td><td></td><td>3,990.9</td><td></td><td></td><td>4,025.9</td><td></td></tr><tr><td>Senior notes</td><td>991.3</td><td></td><td></td><td>1,035.3</td><td></td><td></td><td>989.0</td><td></td><td></td><td>1,039.8</td><td></td></tr><tr><td>Mortgage note</td><td>—</td><td></td><td></td><td>—</td><td></td><td></td><td>8.4</td><td></td><td></td><td>8.4</td><td></td></tr></table>
table
106.4
monetaryItemType
table: <entity> 106.4 </entity> <entity type> monetaryItemType </entity type> <context> Restricted securities available for sale | 106.4 | 106.4 | 93.2 | 93.2 </context>
us-gaap:DebtSecuritiesAvailableForSaleRestricted