COVID-19 Update

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.