Selected Financial Information (5-year summary)

(in $000s except per share amounts, employee counts, percentages and ratios)	2018	2017	2016	2015	2014

Income Statement
Revenue	506,191	401,728	347,505	304,273	259,150
Operating income	119,717	87,393	62,516	48,052	34,593
Net income	53,124	36,132	31,049	23,728	19,748
Diluted earnings per share	3.56	2.56	2.23	1.69	1.42
Balance sheet
Cash	100,188	109,370	24,928	11,389	1,165
Gross consumer loans receivable	833,779	526,546	370,517	289,426	192,225
Lease assets	51,618	54,318	55,288	60,753	64,526
Total assets	1,055,676	749,615	503,062	418,502	319,472
External debt	691,062	449,178	263,294	210,299	121,597
Shareholders’ equity	301,529	228,244	196,031	176,059	153,968
Financial metrics
Revenue growth	26.0%	16.60%	14.20%	17.40%	18.40%
Adjusted operating margin¹	23.70%	21.80%	19.00%	15.80%	12.90%
Adjusted net income¹	53,124	42,158	33,155	23,728	18,600
Adjusted earnings per share¹	3.56	2.97	2.38	1.69	1.34
Adjusted return on equity¹	21.80%	19.80%	17.90%	14.40%	12.90%
Net debt to capitalization	0.66	0.60	0.55	0.53	0.44
Annual dividend per share	0.90	0.72	0.50	0.40	0.34
Operating metrics
Same store revenue growth	25.70%	18.30%	12.10%	16.30%	19.60%
Gross loan originations	922,550	579,494	398,739	330,689	233,805
Growth in gross consumer loans receivable	307,233	156,029	81,091	97,201	81,521
Net charge-offs as a percentage of average gross consumer loans receivable	12.7%	13.6%	15.4%	14.8%	13.0%
Operations
Total Store Count
easyfinancial	241	228	208	202	154
easyhome	165	171	176	184	192
easyfinancial branch openings	23	22	17	64	39
Employees	1,821	1,729	1,587	1,566	1,496

¹Certain financial statement amounts have been adjusted to exclude unusual and non-recurring items. Further details on such adjustments can be found in Management’s Discussion and Analysis.

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Selected Financial Information (5-year summary)

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