OnDeck revenue breakdown by business segment: 76.6% from Interest income, 20.9% from Gain on sales of loans and 2.5% from Other
USD | FY, 2013 | FY, 2014 | FY, 2015 | FY, 2016 | FY, 2017 | FY, 2018 | FY, 2019 |
---|---|---|---|---|---|---|---|
Revenue | 65.2m | 158.1m | 254.8m | 291.3m | 351.0m | 398.4m | 16.1m |
Revenue growth, % | 142% | 61% | 14% | 20% | 14% | (96%) | |
Cost of goods sold | 40.0m | 84.6m | 95.1m | 182.4m | 198.4m | 195.6m | |
Gross profit | 25.3m | 73.4m | 159.7m | 108.9m | 152.6m | 202.8m | |
Gross profit Margin, % | 39% | 46% | 63% | 37% | 43% | 51% | |
Sales and marketing expense | 18.1m | 33.2m | 60.6m | 67.0m | 52.8m | 44.1m | 50.5m |
General and administrative expense | 12.2m | 21.7m | 45.3m | 48.3m | 41.9m | 61.3m | 63.8m |
Operating expense total | 44.6m | 80.5m | 161.6m | 194.0m | 166.2m | 105.4m | 114.3m |
EBIT | (1.9m) | (85.1m) | (13.6m) | ||||
EBIT margin, % | (1%) | (29%) | (4%) | ||||
Interest expense | 383.8m | ||||||
Pre tax profit | (2.2m) | (85.5m) | (14.3m) | 25.3m | 20.1m | ||
Income tax expense | (3.5m) | ||||||
Net Income | (24.4m) | (18.7m) | (2.2m) | (83.0m) | (11.5m) | 27.7m | 28.0m |
USD | FY, 2015 | FY, 2016 | FY, 2017 | FY, 2018 | FY, 2019 |
---|---|---|---|---|---|
Cash | 159.8m | 79.6m | 71.4m | 59.9m | 56.3m |
Accounts Receivable | 499.4m | 191.3m | 843.8m | 1.0b | 1.1b |
PP&E | 26.2m | 29.4m | 23.6m | 16.7m | 20.3m |
Total Assets | 749.3m | 1.1b | 996.0m | 1.2b | 1.3b |
Accounts Payable | 2.7m | 5.3m | 2.7m | 4.0m | 6.5m |
Total Liabilities | 419.8m | 800.5m | 730.0m | 857.3m | 993.9m |
Common Stock | 366.0k | 386.0k | 396.0k | 405.0k | |
Additional Paid-in Capital | 457.0m | 477.5m | 492.5m | 506.2m | 513.6m |
Retained Earnings | (128.3m) | (211.3m) | (222.8m) | (195.2m) | (169.0m) |
Total Equity | 329.4m | 263.6m | 266.1m | 304.3m | 296.2m |
Financial Leverage | 2.3 x | 4 x | 3.7 x | 3.8 x | 4.4 x |
USD | FY, 2015 | FY, 2016 | FY, 2017 | FY, 2018 | FY, 2019 |
---|---|---|---|---|---|
Net Income | (2.2m) | (85.5m) | (14.3m) | 25.3m | 23.6m |
Depreciation and Amortization | 6.5m | 9.5m | 10.0m | 7.8m | 6.9m |
Accounts Payable | 236.0k | 2.6m | (2.6m) | 1.5m | 2.5m |
Cash From Operating Activities | 118.9m | 134.3m | 210.2m | 263.8m | 282.4m |
Purchases of PP&E | (13.7m) | (6.6m) | (1.3m) | (1.1m) | (3.2m) |
Cash From Investing Activities | (168.4m) | (589.2m) | (156.6m) | (399.6m) | (303.6m) |
Long-term Borrowings | (632.7m) | (691.6m) | |||
Dividends Paid | (957.0k) | ||||
Cash From Financing Activities | (10.5m) | 374.7m | (62.5m) | 121.7m | 20.9m |
Net Change in Cash | (60.6m) | (80.3m) | (8.2m) | (17.2m) | (770.0k) |
Interest Paid | 15.4m | 24.8m | 41.9m | 42.2m | 40.0m |
Income Taxes Paid | 9.3m |
USD | FY, 2013 |
---|
Y, 2016 | |
---|---|
White, percent | 63 % |
Asian, percent | 19 % |
Hispanic, percent | 8 % |
Black / African American, percent | 7 % |
Other | 3 % |