Source document: greensky-inc_2019

Question: Which years does the table show?
Facts: 2017; 2018; 2019
Answer: 2019; 2018; 2017

Question: What was the sales of loans in 2017?
Facts: 72,071
Answer: 72,071 thousand

Question: What was the servicing fee in 2018?
Facts: 2,321
Answer: 2,321 thousand

Question: How many years did servicing fees exceed $3,000 thousand?
Facts: 2019
Derivation: 2019
Answer: 1

Question: What was the change in the sales of loans between 2017 and 2018?
Facts: 139,026; 72,071
Derivation: 139,026-72,071
Answer: 66955 thousand

Question: What was the change in the servicing fee between 2018 and 2019?
Facts: 2,321; 3,901
Derivation: (3,901-2,321)/2,321
Answer: 68.07 percent

Question: Which years does the table show?
Facts: 2018; 2019
Answer: 2019; 2018

Question: What was the servicing related net accounts receivable in 2019?
Facts: 6,868
Answer: 6,868 thousand

Question: What was the total Allowance for Losses in 2018?
Facts: (168)
Answer: (168) thousand

Question: How many years did the total net Accounts Receivable exceed $15,000 thousand?
Facts: 2018; 2019
Derivation: 2019##2018
Answer: 2

Question: What was the change in the total gross accounts receivable between 2018 and 2019?
Facts: 15,568; 19,731
Derivation: 19,731-15,568
Answer: 4163 thousand

Question: What was the percentage change in the total allowance for losses between 2018 and 2019?
Facts: 168; 238
Derivation: (-238-(-168))/-168
Answer: 41.67 percent

Question: Which years does the table provide information for Components of income tax expense? 
Facts: 2018; 2019
Answer: 2019; 2018

Question: What was the Federal deferred income tax expense in 2019?
Facts: 4,206
Answer: 4,206 thousand

Question: How much was the company's income before income tax expense in 2019?
Facts: 88,848
Answer: 88,848 thousand

Question: How many years did the Current income tax expense exceed $2 thousand? 
Facts: 2018; 2019
Derivation: 2019##2018
Answer: 2

Question: What was the change in Federal Deferred income tax expense between 2018 and 2019?
Facts: 4,206; 4,860
Derivation: 4,206-4,860
Answer: -654 thousand

Question: What was the percentage change in the Income tax expense between 2018 and 2019?
Facts: 5,534; 7,125
Derivation: (-7,125-5,534)/5,534
Answer: -228.75 percent

Question: How was Interest payments on term loan calculated?
Facts: based on the interest rate as of December 31, 2019 and the scheduled maturity of the underlying term loan.
Answer: based on the interest rate as of December 31, 2019 and the scheduled maturity of the underlying term loan.

Question: What was the company's operating leases for?
Facts: office space
Answer: office space

Question: What were the total revolving loan facilities fees?
Facts: 1,310
Answer: 1,310 thousand

Question: How many contractual obligations had a total that exceeded $100,000 thousand?
Facts: Interest payments on term loan; Term loan
Derivation: Term loan##Interest payments on term loan
Answer: 2

Question: What was the difference in the total between Revolving loan facility fees and operating leases? 
Facts: 1,310; 15,398
Derivation: 15,398-1,310
Answer: 14088 thousand

Question: What was the contractual obligations due more than 5 years as a percentage of total contractual obligations?
Facts: 377,507; 510,090
Derivation: 377,507/510,090
Answer: 74.01 percent

Question: Which years does the table provide information for the company's cash flows?
Facts: 2017; 2018; 2019
Answer: 2019; 2018; 2017

Question: What was the Net cash used in investing activities in 2019?
Facts: (15,381)
Answer: (15,381) thousand

Question: What was the Net cash provided by operating activities in 2017?
Facts: 160,394
Answer: 160,394 thousand

Question: How many years did the Net cash provided by operating activities exceed $200,000 thousand?
Facts: 2018
Derivation: 2018
Answer: 1

Question: What was the change in the Net cash used in investing activities between 2017 and 2019?
Facts: 15,381; 4,135
Derivation: -15,381-(-4,135)
Answer: -11246 thousand

Question: What was the percentage change in the Net cash used in financing activities between 2018 and 2019?
Facts: 145,184; 150,604
Derivation: (-150,604-(-145,184))/-145,184
Answer: 3.73 percent

Question: Which years does the table provide information for the company's Selected Consolidated Statements of Operations Data?
Facts: 2016; 2017; 2018; 2019
Answer: 2019; 2018; 2017; 2016

Question: What was the total revenue in 2015?
Facts: 173,457
Answer: 173,457 thousand

Question: What was the operating profit in 2017?
Facts: 145,599
Answer: 145,599 thousand

Question: How many years did Total costs and expenses exceed $200,000 thousand?
Facts: 2018; 2019
Derivation: 2019##2018
Answer: 2

Question: What was the change in the cost of revenue between 2017 and 2018?
Facts: 160,439; 89,708
Derivation: 160,439-89,708
Answer: 70731 thousand

Question: What was the percentage change in operating profit between 2015 and 2016?
Facts: 119,811; 93,106
Derivation: (119,811-93,106)/93,106
Answer: 28.68 percent

Question: Which years does the table provide information for the cash used in investing activities?
Facts: 2017; 2018; 2019
Answer: 2019; 2018; 2017

Question: What was the cash used in Software in 2019?
Facts: 12.7
Answer: 12.7 million

Question: What was the cash used in Computer Hardware in 2017?
Facts: 0.8
Answer: 0.8 million

Question: Which years did cash used in Furniture exceed $0.3 million?
Facts: 2017; 2019
Derivation: (2019:0.6),(2017:0.5)
Answer: 2019; 2017

Question: What was the change in the cash used in Leasehold Improvements between 2017 and 2019?
Facts: 0.5; 0.9
Derivation: 0.9-0.5
Answer: 0.4 million

Question: What was the percentage change in the Purchases of property, equipment and software between 2018 and 2019?
Facts: 15.4; 6.6
Derivation: (15.4-6.6)/6.6
Answer: 133.33 percent

Question: Which years does the table show?
Facts: 2017; 2018; 2019
Answer: 2019; 2018; 2017

Question: What was the net income in 2019?
Facts: 95,973
Answer: 95,973 thousand

Question: What was the interest expense in 2018?
Facts: 23,584
Answer: 23,584 thousand

Question: How many years did net income exceed $100,000 thousand?
Facts: 2017; 2018
Derivation: 2018##2017
Answer: 2

Question: What was the change in the interest expense between 2017 and 2018?
Facts: 23,584; 7,536
Derivation: 23,584-7,536
Answer: 16048 thousand

Question: What was the percentage change in Depreciation and amortization between 2018 and 2019?
Facts: 4,478; 7,304
Derivation: (7,304-4,478)/4,478
Answer: 63.11 percent

Question: How much was the included change in fair value of the company's servicing asset included in its servicing fees?
Facts: 30,459
Answer: 30,459 thousand

Question: What does other revenue include?
Facts: miscellaneous revenue items that are individually immaterial. Other revenue is presented separately herein in order to clearly present merchant, interchange and servicing fees
Answer: miscellaneous revenue items that are individually immaterial. Other revenue is presented separately herein in order to clearly present merchant, interchange and servicing fees

Question: Which years does the table provide information for Revenue disaggregated by type of service?
Facts: 2017; 2018; 2019
Answer: 2019; 2018; 2017

Question: How many years did Interchange fees exceed $50,000 thousand?
Facts: 2018
Derivation: 2018
Answer: 1

Question: What was the change in the transaction fees between 2017 and 2019?
Facts: 278,958; 405,905
Derivation: 405,905-278,958
Answer: 126947 thousand

Question: What was the percentage change in the total revenue between 2018 and 2019?
Facts: 414,673; 529,646
Derivation: (529,646-414,673)/414,673
Answer: 27.73 percent

Question: What was the Company's net operating loss carryforwards as of December 31, 2019?
Facts: 4.7
Answer: 4.7 million

Question: What was the company's investment in partnership in 2018?
Facts: 299,466
Answer: 299,466 thousand

Question: Which years does the table provide information for the Company’s deferred tax assets and liabilities?
Facts: 2018; 2019
Answer: 2019; 2018

Question: How many years did Investment in partnership exceed $300,000 thousand?
Facts: 2019
Derivation: 2019
Answer: 1

Question: What was the change in the the Total deferred tax assets between 2018 and 2019?
Facts: 306,979; 364,841
Derivation: 364,841-306,979
Answer: 57862 thousand

Question: What was the change in the Net operating loss carryforwards and tax credits between 2018 and 2019?
Facts: 5,160; 5,634
Derivation: (5,160-5,634)/5,634
Answer: -8.41 percent

Question: What does the amount of Settlements represent?
Facts: the reversal of previously billed finance charges associated with deferred payment loan principal balances that were repaid within the promotional period.
Answer: the reversal of previously billed finance charges associated with deferred payment loan principal balances that were repaid within the promotional period.

Question: How was the fair value adjustment made for the fair value changes recognized in cost of revenue?
Facts: based on the expected reversal percentage of billed finance charges (expected settlements), which is estimated at each reporting date.
Answer: based on the expected reversal percentage of billed finance charges (expected settlements), which is estimated at each reporting date.

Question: Which years does the table show?
Facts: 2017; 2018; 2019
Answer: 2019; 2018; 2017

Question: How many years did the fair value changes exceed $100,000 thousand?
Facts: 2019
Derivation: 2019
Answer: 1

Question: What was the change in the settlements between 2017 and 2018?
Facts: 127,029; 181,590
Derivation: -181,590-(-127,029)
Answer: -54561 thousand

Question: What was the percentage change in the ending balance between 2018 and 2019?
Facts: 138,589; 206,035
Derivation: (206,035-138,589)/138,589
Answer: 48.67 percent

Question: How was net Loan receivables held for sale measured by the company?
Facts: at fair value on a nonrecurring basis.
Answer: at fair value on a nonrecurring basis.

Question: What was the carrying value of the term loan in 2019?
Facts: 384,497
Answer: 384,497 thousand

Question: What was the fair value of the interest rate swap in 2019?
Facts: 2,763
Answer: 2,763 thousand

Question: How many years did the fair value of Finance charge reversal liability exceed $200,000 thousand?
Facts: 2019
Derivation: 2019
Answer: 1

Question: What was the change in the carrying value of the term loan between 2018 and 2019?
Facts: 384,497; 386,822
Derivation: 384,497-386,822
Answer: -2325 thousand

Question: What was the percentage change in the carrying value for Cash and Cash equivalents between 2018 and 2019?
Facts: 195,760; 303,390
Derivation: (195,760-303,390)/303,390
Answer: -35.48 percent

Question: How is the principal balance of the term loan scheduled to be repaid?
Facts: on a quarterly basis at an amortization rate of 0.25% per quarter through December 31, 2024, with the balance due at maturity.
Answer: on a quarterly basis at an amortization rate of 0.25% per quarter through December 31, 2024, with the balance due at maturity.

Question: What was the unamortized debt discount in 2018?
Facts: (3,728)
Answer: (3,728) thousand

Question: Which years does the table provide information for Key details of the term loan?
Facts: 2018; 2019
Answer: 2019; 2018

Question: How many years did the face value of term loan exceed $300,000 thousand?
Facts: 2018; 2019
Derivation: 2019##2018
Answer: 2

Question: What was the change in the Unamortized debt discount between 2018 and 2019?
Facts: 3,115; 3,728
Derivation: -3,115-(-3,728)
Answer: 613 thousand

Question: What was the percentage change in the term loan between 2018 and 2019?
Facts: 384,497; 386,822
Derivation: (384,497-386,822)/386,822
Answer: -0.6 percent

Question: Which years does the table show?
Facts: 2017; 2018; 2019
Answer: 2019; 2018; 2017

Question: What were the additions in 2018?
Facts: 93,240
Answer: 93,240 thousand

Question: What was the loss on sale in 2017?
Facts: (500)
Answer: (500) thousand

Question: How many years did additions exceed $100,000 thousand?
Facts: 2017; 2019
Derivation: 2019##2017
Answer: 2

Question: What was the change in the ending balance between 2017 and 2019?
Facts: 51,926; 73,606
Derivation: 51,926-73,606
Answer: -21680 thousand

Question: What was the percentage change in the Write offs and other between 2018 and 2019?
Facts: 2,891; 2,982
Derivation: (-2,982-(-2,891))/-2,891
Answer: 3.15 percent

Question: How did the company define Active Merchants?
Facts: home improvement merchants and healthcare providers that have submitted at least one consumer application during the twelve months ended at the date of measurement
Answer: home improvement merchants and healthcare providers that have submitted at least one consumer application during the twelve months ended at the date of measurement

Question: How did the company define Loan Servicing Portfolio?
Facts: the aggregate outstanding consumer loan balance (principal plus accrued interest and fees) serviced by our platform at the date of measurement.
Answer: the aggregate outstanding consumer loan balance (principal plus accrued interest and fees) serviced by our platform at the date of measurement.

Question: What was the transaction volume in 2019?
Facts: 5,954
Answer: 5,954 million

Question: How many years did the Transaction volume exceed $5,000 million?
Facts: 2018; 2019
Derivation: 2019##2018
Answer: 2

Question: What was the change in the Loan Servicing Portfolio between 2017 and 2018?
Facts: 5,390; 7,341
Derivation: 7,341-5,390
Answer: 1951 million

Question: What was the percentage change in the Cumulative Consumer Accounts between 2017 and 2019?
Facts: 1.57; 3.03
Derivation: (3.03-1.57)/1.57
Answer: 92.99 percent

Question: What was the cost of revenue in the fourth quarter?
Facts: 55,170
Answer: 55,170 thousand

Question: What was the total costs and expenses?
Facts: 261,883
Answer: 261,883 thousand

Question: What was the net total other income (expense)?
Facts: (19,276)
Answer: (19,276) thousand

Question: How many quarters did basic earnings per share of Class A common stock exceed $0.20?
Facts: third quarter
Derivation: third quarter
Answer: 1

Question: What was the change in total costs and expenses between the second and third quarter?
Facts: 58,896; 59,655
Derivation: 59,655-58,896
Answer: 759 thousand

Question: What was the percentage change in the net income between the third and fourth quarter?
Facts: 22,848; 45,712
Derivation: (22,848-45,712)/45,712
Answer: -50.02 percent

Question: What does Cash include?
Facts: non-interest and interest-bearing demand deposit accounts with various financial institutions.
Answer: non-interest and interest-bearing demand deposit accounts with various financial institutions.

Question: What was the amount of restricted cash in 2017?
Facts: 129,224
Answer: 129,224 thousand

Question: Which years does the table provide?
Facts: 2017; 2018; 2019
Answer: 2019; 2018; 2017

Question: How many years did Cash and cash equivalents and restricted cash in Consolidated Statements of Cash Flows exceed $400,000 thousand?
Facts: 2018; 2019
Derivation: 2019##2018
Answer: 2

Question: What was the change in Cash and cash equivalents between 2018 and 2019?
Facts: 195,760; 303,390
Derivation: 195,760-303,390
Answer: -107630 thousand

Question: What was the percentage change in restricted cash between 2017 and 2018?
Facts: 129,224; 155,109
Derivation: (155,109-129,224)/129,224
Answer: 20.03 percent

Question: Which years does the table show?
Facts: 2018; 2019
Answer: 2019; 2018

Question: What was the Net cash provided by operating activities in 2019?
Facts: 153,327
Answer: 153,327 thousand

Question: What was the Net cash used in financing activities in 2019?
Facts: (159,608)
Answer: (159,608) thousand

Question: Which years did Cash and cash equivalents and restricted cash at beginning of period exceed $400,000 thousand?
Facts: 2019
Derivation: 2019
Answer: 1

Question: What was the change in the net cash used in financing activities between 2018 and 2019?
Facts: 154,210; 159,608
Derivation: -159,608-(-154,210)
Answer: -5398 thousand

Question: What was the percentage change in Net cash provided by operating activities between 2018 and 2019?
Facts: 153,327; 256,426
Derivation: (153,327-256,426)/256,426
Answer: -40.21 percent

Question: Which years does the table provide information for the company's Selected Consolidated Balance Sheet Data?
Facts: 2016; 2017; 2018; 2019
Answer: 2019; 2018; 2017; 2016

Question: What was the amount of restricted cash in 2019?
Facts: 250,081
Answer: 250,081 thousand

Question: What was the amount of Cash and cash equivalents in 2016?
Facts: 185,243
Answer: 185,243 thousand

Question: How many years did Restricted Cash exceed $200,000 thousand?
Facts: 2019
Derivation: 2019
Answer: 1

Question: What was the change in Cash and cash equivalents between 2016 and 2017?
Facts: 185,243; 224,614
Derivation: 224,614-185,243
Answer: 39371 thousand

Question: What was the percentage change in total assets between 2018 and 2019?
Facts: 802,905; 951,048
Derivation: (951,048-802,905)/802,905
Answer: 18.45 percent

Question: Which years does the table show?
Facts: 2018; 2019
Answer: 2019; 2018

Question: What was the amount of Furniture in 2018?
Facts: 2,813
Answer: 2,813 thousand

Question: What was the amount of Computer hardware in 2019?
Facts: 2,494
Answer: 2,494 thousand

Question: How many years did Leasehold improvements exceed $4,000 thousand?
Facts: 2018; 2019
Derivation: 2019##2018
Answer: 2

Question: What was the change in the amount of Software between 2018 and 2019?
Facts: 20,126; 8,344
Derivation: 20,126-8,344
Answer: 11782 thousand

Question: What was the percentage change in the net Total property, equipment and software between 2018 and 2019?
Facts: 10,232; 18,309
Derivation: (18,309-10,232)/10,232
Answer: 78.94 percent

Question: Which years does the table provide?
Facts: 2017; 2018; 2019
Answer: 2019; 2018; 2017

Question: What was the amount of Receipts in 2017?
Facts: 109,818
Answer: 109,818 thousand

Question: What was the amount of Settlements in 2019?
Facts: (262,449)
Answer: (262,449) thousand

Question: How many years did the Fair value changes recognized in cost of revenue exceed $100,000 thousand?
Facts: 2019
Derivation: 2019
Answer: 1

Question: What was the change in the amount of Settlements between 2017 and 2019?
Facts: 127,029; 262,449
Derivation: -262,449-(-127,029)
Answer: -135420 thousand

Question: What was the percentage change in the ending balance between 2017 and 2018?
Facts: 138,589; 94,148
Derivation: (138,589-94,148)/94,148
Answer: 47.2 percent

Question: Which years does the table show?
Facts: 2018; 2019
Answer: 2019; 2018

Question: What was the total revenue in 2018?
Facts: 414,673
Answer: 414,673 thousand

Question: What was the operating profit in 2019?
Facts: 120,953
Answer: 120,953 thousand

Question: How many years did Total costs and expenses exceed $200,000 thousand?
Facts: 2018; 2019
Derivation: 2019##2018
Answer: 2

Question: What was the change in operating profit between 2018 and 2019?
Facts: 120,953; 152,790
Derivation: 120,953-152,790
Answer: -31837 thousand

Question: What was the percentage change in the net income between 2018 and 2019?
Facts: 133,514; 98,656
Derivation: (98,656-133,514)/133,514
Answer: -26.11 percent

Question: What was the total revenue for 2019?
Facts: 529,646
Answer: 529,646 thousand

Question: What was the operating profit in the first quarter?
Facts: 11,488
Answer: 11,488 thousand

Question: What was the net income in the third quarter?
Facts: 44,075
Answer: 44,075 thousand

Question: How many quarters did the the Net Income exceed $10,000 thousand?
Facts: second quarter; third quarter
Derivation: second quarter##third quarter
Answer: 2

Question: What was the change in operating profit between the third and fourth quarter?
Facts: 10,561; 52,398
Derivation: 10,561-52,398
Answer: -41837 thousand

Question: What was the percentage change in the basic earnings per share of Class A common stock between the first and second quarter?
Facts: 0.05; 0.20
Derivation: (0.20-0.05)/0.05
Answer: 300 percent

Question: Which years does the table provide?
Facts: 2017; 2018; 2019
Answer: 2019; 2018; 2017

Question: What was the Change in financial guarantee liability in 2019?
Facts: 16,215
Answer: 16,215 thousand

Question: What does Incremental pro forma tax expense represent?
Facts: the incremental tax effect on net income, adjusted for the items noted above, assuming that all consolidated net income was subject to corporate taxation for the periods presented.
Answer: the incremental tax effect on net income, adjusted for the items noted above, assuming that all consolidated net income was subject to corporate taxation for the periods presented.

Question: How many years did Adjusted Pro Forma Net Income exceed $100,000 thousand?
Facts: 2018; 2019
Derivation: 2019##2018
Answer: 2

Question: What was the change in net income between 2017 and 2018?
Facts: 127,980; 138,668
Derivation: 127,980-138,668
Answer: -10688 thousand

Question: What was the percentage change in Transaction expenses between 2018 and 2019?
Facts: 11,345; 2,393
Derivation: (11,345-2,393)/2,393
Answer: 374.09 percent

Question: What does the net Fair value changes recognized in other gains (losses) represent?
Facts: the reduction of our servicing liabilities due to the passage of time and collection of loan payments.
Answer: the reduction of our servicing liabilities due to the passage of time and collection of loan payments.

Question: What was the beginning balance in 2018?
Facts: 2,071
Answer: 2,071 thousand

Question: Which years does the table show?
Facts: 2017; 2018; 2019
Answer: 2019; 2018; 2017

Question: Which years did the ending balance exceed $3,000 thousand?
Facts: 2018; 2019
Derivation: (2019:3,796),(2018:3,016)
Answer: 2019; 2018

Question: What was the change in the beginning balance between 2018 and 2019?
Facts: 2,071; 3,016
Derivation: 3,016-2,071
Answer: 945 thousand

Question: What was the percentage change in the Initial obligation from transfer of Charged-Off Receivables between 2018 and 2019?
Facts: 2,461; 2,705
Derivation: (2,705-2,461)/2,461
Answer: 9.91 percent