Cash America 2015 Annual Report Download - page 2

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Cash America International, Inc. is a leading provider of pawn
lending and related services to customers in the United States through
its storefront operations.
As of December 31, 2015, Cash America International, Inc. (the
“Company”) operated 897 total locations in the United States, which
included the following:
822 lending locations in 20 states in the United States primarily
under the names “Cash America Pawn,” “SuperPawn,” “Cash
America Payday Advance,” and “Cashland;” and
75 check cashing centers (all of which are unconsolidated
franchised check cashing centers) operating in 12 states in the
United States under the name “Mr. Payroll.”
For additional information regarding the Company
and the services it provides, visit the Company’s website located at:
http://www.cashamerica.com.
Or download the Cash America mobile app,
without cost, from the App StoreSM or on Google Play™
.
App Store is a service mark of Apple Inc. and Google Play
is a trademark of Google Inc. Insta
Follow Cash America on these social media sites
Financial Highlights
(Dollars in thousands, except share data) (a)
Operations – years ended December 31 2015 2014
Total revenue $ 1,029,491 $ 1,094,696
Income from operations before
depreciation and amortization 112,539 93,909
Income from operations 56,288 32,967
Net income (loss) from continuing operations 27,566 (10,387)
Net income from discontinued operations, net of tax - 109,025
Net income attributable to Cash America International, Inc. 27,566 98,638
Diluted earnings per share:
Net income (loss) from continuing operations $ 1.01 $ (0.36)
Net income from discontinued operations $ - $ 3.72
Net income attributable to Cash America International, Inc. $ 1.01 $ 3.36
Dividends per share $ 0.20 $ 0.14
Balance Sheets – at December 31
Earning assets $ 521,553 $ 509,870
Total assets 1,378,997 1,522,447
Total debt 211,558 196,470
Total equity 998,159 1,133,202
Current ratio 6.9x 6.5x
Debt to equity ratio 21.2% 17.3%
Return on assets (b) 1.9% 4.5%
Return on equity (b) 2.6% 8.8%
Net book value per common share outstanding $ 40.08 $ 39.30
Common shares outstanding (c) 24,904,346 28,838,291
(a) Continuing operations includes financial information for our continuing operations, and discontinued operations includes financial information for our former subsidiary, Enova International, Inc., which
became a separate public company when we distributed 80% of Enova's common stock to our shareholders in November 2014. For additional information, see the Company's Annual Report on Form 10-K for
the year ended December 31, 2015.
(b) Returns based on the net income attributable to Cash America International, Inc., divided by monthly average total assets and monthly average total equity of the Company.
(c) Includes 31,866 shares and 31,622 shares as of December 31, 2015 and 2014, respectively, held in the Company's non-qualified deferred compensation plan.
Storefront Lending
No Lending Activity
Legend for Geographic
Market Presence
Alaska
Cash America Market Coverage
(as of December 31, 2015)