CURO Group Holdings Corp
NYSE:CURO
Income Statement
Earnings Waterfall
CURO Group Holdings Corp
Revenue
|
672.4m
USD
|
Operating Expenses
|
-598.7m
USD
|
Operating Income
|
73.7m
USD
|
Other Expenses
|
-340.5m
USD
|
Net Income
|
-266.7m
USD
|
Income Statement
CURO Group Holdings Corp
Dec-2016 | Mar-2017 | Jun-2017 | Sep-2017 | Dec-2017 | Mar-2018 | Jun-2018 | Sep-2018 | Dec-2018 | Mar-2019 | Jun-2019 | Sep-2019 | Dec-2019 | Mar-2020 | Jun-2020 | Sep-2020 | Dec-2020 | Mar-2021 | Jun-2021 | Sep-2021 | Dec-2021 | Mar-2022 | Jun-2022 | Sep-2022 | Dec-2022 | Mar-2023 | Jun-2023 | Sep-2023 | Dec-2023 | ||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Revenue | ||||||||||||||||||||||||||||||
Revenue |
829
N/A
|
851
+3%
|
873
+3%
|
916
+5%
|
964
+5%
|
990
+3%
|
1 010
+2%
|
1 025
+1%
|
1 045
+2%
|
1 072
+3%
|
1 099
+3%
|
1 127
+3%
|
1 142
+1%
|
1 145
+0%
|
1 063
-7%
|
948
-11%
|
847
-11%
|
763
-10%
|
904
+18%
|
931
+3%
|
953
+2%
|
1 047
+10%
|
1 028
-2%
|
1 005
-2%
|
1 026
+2%
|
918
-11%
|
822
-10%
|
804
-2%
|
672
-16%
|
|
Gross Profit | ||||||||||||||||||||||||||||||
Cost of Revenue |
(277)
|
(279)
|
(281)
|
(288)
|
(288)
|
(288)
|
(292)
|
(298)
|
(298)
|
(300)
|
(298)
|
(293)
|
(295)
|
(292)
|
(276)
|
(263)
|
(250)
|
(241)
|
(244)
|
(245)
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
Gross Profit |
552
N/A
|
572
+4%
|
592
+4%
|
628
+6%
|
676
+8%
|
702
+4%
|
718
+2%
|
727
+1%
|
747
+3%
|
772
+3%
|
802
+4%
|
834
+4%
|
847
+2%
|
853
+1%
|
787
-8%
|
684
-13%
|
597
-13%
|
522
-13%
|
660
+26%
|
686
+4%
|
0
N/A
|
0
N/A
|
0
N/A
|
0
N/A
|
0
N/A
|
0
N/A
|
0
N/A
|
0
N/A
|
0
N/A
|
|
Operating Income | ||||||||||||||||||||||||||||||
Operating Expenses |
(383)
|
(402)
|
(415)
|
(441)
|
(481)
|
(499)
|
(516)
|
(538)
|
(554)
|
(593)
|
(621)
|
(628)
|
(629)
|
(634)
|
(574)
|
(503)
|
(449)
|
(377)
|
(395)
|
(436)
|
(739)
|
(961)
|
(1 067)
|
(970)
|
(957)
|
(860)
|
(758)
|
(733)
|
(599)
|
|
Selling, General & Administrative |
(124)
|
(125)
|
(129)
|
(133)
|
(155)
|
(157)
|
(154)
|
(147)
|
(132)
|
(146)
|
(148)
|
(160)
|
(160)
|
(154)
|
(155)
|
(153)
|
(160)
|
(166)
|
(189)
|
(214)
|
(392)
|
(249)
|
(322)
|
(335)
|
(437)
|
(393)
|
(350)
|
(353)
|
(310)
|
|
Depreciation & Amortization |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
(27)
|
(37)
|
(46)
|
(51)
|
(36)
|
(32)
|
(32)
|
(32)
|
(22)
|
|
Other Operating Expenses |
(258)
|
(277)
|
(285)
|
(308)
|
(326)
|
(342)
|
(362)
|
(390)
|
(422)
|
(447)
|
(473)
|
(469)
|
(469)
|
(480)
|
(418)
|
(349)
|
(289)
|
(211)
|
(206)
|
(222)
|
(320)
|
(676)
|
(700)
|
(584)
|
(483)
|
(436)
|
(375)
|
(348)
|
(267)
|
|
Operating Income |
169
N/A
|
170
+0%
|
178
+5%
|
187
+5%
|
194
+4%
|
203
+4%
|
202
-1%
|
189
-6%
|
193
+2%
|
179
-7%
|
181
+1%
|
205
+14%
|
219
+6%
|
219
+0%
|
213
-3%
|
182
-15%
|
149
-18%
|
145
-2%
|
266
+83%
|
251
-6%
|
215
-14%
|
86
-60%
|
(39)
N/A
|
35
N/A
|
69
+97%
|
57
-17%
|
65
+13%
|
71
+9%
|
74
+4%
|
|
Pre-Tax Income | ||||||||||||||||||||||||||||||
Interest Income Expense |
(64)
|
(72)
|
(74)
|
(77)
|
(83)
|
(82)
|
(84)
|
(88)
|
(84)
|
(80)
|
(80)
|
(75)
|
(76)
|
(77)
|
(74)
|
(70)
|
(68)
|
(68)
|
(72)
|
(85)
|
(94)
|
(37)
|
(84)
|
(125)
|
(182)
|
(210)
|
(231)
|
(248)
|
(219)
|
|
Non-Reccuring Items |
3
|
(8)
|
(8)
|
(21)
|
(20)
|
(19)
|
(19)
|
(81)
|
(91)
|
(79)
|
(79)
|
(10)
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
(40)
|
(40)
|
0
|
0
|
65
|
(81)
|
(83)
|
(92)
|
(157)
|
(11)
|
|
Total Other Income |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
(1)
|
(1)
|
(1)
|
|
Pre-Tax Income |
108
N/A
|
90
-17%
|
96
+7%
|
90
-6%
|
92
+2%
|
102
+11%
|
99
-3%
|
20
-80%
|
18
-9%
|
20
+13%
|
22
+6%
|
120
+457%
|
143
+18%
|
142
-1%
|
139
-2%
|
112
-20%
|
80
-28%
|
77
-5%
|
193
+152%
|
126
-35%
|
81
-36%
|
49
-39%
|
(123)
N/A
|
(25)
+80%
|
(194)
-683%
|
(236)
-21%
|
(260)
-10%
|
(335)
-29%
|
(158)
+53%
|
|
Net Income | ||||||||||||||||||||||||||||||
Tax Provision |
(43)
|
(35)
|
(38)
|
(37)
|
(39)
|
(39)
|
(34)
|
(7)
|
(3)
|
(4)
|
(6)
|
(33)
|
(39)
|
(40)
|
(33)
|
(23)
|
(17)
|
(15)
|
(48)
|
(33)
|
(21)
|
(14)
|
27
|
(8)
|
9
|
(15)
|
(25)
|
(4)
|
(29)
|
|
Income from Continuing Operations |
65
|
55
|
58
|
52
|
53
|
63
|
66
|
13
|
15
|
17
|
16
|
87
|
104
|
102
|
106
|
88
|
63
|
62
|
145
|
93
|
59
|
35
|
(96)
|
(33)
|
(186)
|
(251)
|
(284)
|
(339)
|
(186)
|
|
Net Income (Common) |
65
N/A
|
55
-16%
|
58
+6%
|
52
-10%
|
49
-6%
|
56
+13%
|
56
-1%
|
(1)
N/A
|
(22)
-1 600%
|
(8)
+62%
|
(8)
+10%
|
67
N/A
|
112
+67%
|
111
-1%
|
116
+5%
|
102
-13%
|
76
-25%
|
65
-14%
|
148
+126%
|
93
-37%
|
59
-36%
|
35
-41%
|
(96)
N/A
|
(28)
+71%
|
(186)
-563%
|
(246)
-33%
|
(280)
-13%
|
(410)
-47%
|
(267)
+35%
|
|
EPS (Diluted) |
1.47
N/A
|
1.24
-16%
|
1.31
+6%
|
1.18
-10%
|
1.1
-7%
|
1.17
+6%
|
1.15
-2%
|
-0.02
N/A
|
-0.48
-2 300%
|
-0.17
+65%
|
-0.15
+12%
|
1.45
N/A
|
2.42
+67%
|
2.64
+9%
|
2.79
+6%
|
2.42
-13%
|
1.79
-26%
|
1.49
-17%
|
3.37
+126%
|
2.25
-33%
|
1.38
-39%
|
0.84
-39%
|
-2.4
N/A
|
-0.68
+72%
|
-4.59
-575%
|
-6.03
-31%
|
-6.81
-13%
|
-9.91
-46%
|
-6.49
+35%
|