Selected Financial Information (5-year summary)

(in $000s except per share amounts, employee counts, percentages and ratios)	2019	2018	2017	2016	2015

Income Statement
Revenue	609,383	506,191	401,728	347,505	304,273
Operating income	168,793	119,717	87,393	62,516	48,052
Net income	64,349	53,124	36,132	31,049	23,728
Diluted earnings per share	4.17	3.56	2.56	2.23	1.69
Balance sheet
Cash	46,341	100,188	109,370	24,928	11,389
Gross consumer loans receivable	1,110,633	833,779	526,546	370,517	289,426
Lease assets	48,696	51,618	54,318	55,288	60,753
Total assets	1,318,622	1,055,676	749,615	503,062	418,502
External debt	859,126	691,062	449,178	263,294	211,720
Shareholders’ equity	332,421	301,529	228,244	196,031	176,059
Financial metrics
Revenue growth	20.4%	26.0%	16.60%	14.20%	17.40%
Adjusted operating margin¹	27.7%	23.70%	21.80%	19.00%	15.80%
Adjusted net income¹	80,315	53,124	42,158	33,155	23,728
Adjusted diluted earnings per share¹	5.17	3.56	2.97	2.38	1.69
Adjusted return on equity¹	25.3%	21.80%	19.80%	17.90%	14.40%
Net debt to net capitalization	0.71	0.66	0.60	0.55	0.53
Annual dividend per share	1.24	0.90	0.72	0.50	0.40
Operating metrics
Same store revenue growth	19.5%	25.70%	18.30%	12.10%	16.30%
Gross loan originations	1,095,375	922,550	579,494	398,739	330,689
Growth in gross consumer loans receivable	276,854	307,233	156,029	81,091	97,201
Net charge-offs as a percentage of average gross consumer loans receivable	13.3%	12.7%	13.6%	15.4%	14.8%
Operations
Total Store Count
easyfinancial	256	241	228	208	202
easyhome	163	165	171	176	184
easyfinancial branch openings	15	23	22	17	64
Employees	2,024	1,821	1,729	1,587	1,566

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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