Cash America Announces Third Quarter Net Income and Dividend Declared

  Cash America Announces Third Quarter Net Income and Dividend Declared

Business Wire

FORT WORTH, Texas -- October 25, 2012

Cash America International, Inc. (NYSE: CSH) announced today that net income
attributable to the Company for the third quarter of 2012 was $11,703,000 (37
cents per share), compared to the third quarter of 2011 net income of
$34,777,000 ($1.08 per share). The third quarter results included unusual
items which reduced net income and earnings per share by $20.4 million and 65
cents per share, respectively. Excluding the impact of these unusual expenses,
third quarter adjusted earnings, a non-GAAP measure, would have been $32.1
million ($1.02 per share), which is at the high end of management’s publicly
released earnings per share guidance of between 95 cents per share and $1.05
per share as reported in the Company’s press release dated July 26, 2012 and
above analysts’ consensus estimates of 95 cents per share as reported by
Thomson Reuters. The unusual items included $18.5million (59 cents per share)
in after tax costs associated with the Company’s previously announced
reorganization of its Mexico-based pawn operations that operate under the name
Prenda Fácil and $1.9 million (6 cents per share) after taxes related to the
write off of deferred costs and transition expenses associated with the
announced withdrawal of the proposed initial public offering of Enova
International, Inc. in late July of 2012.

Consolidated total revenue increased 10% during the third quarter of 2012 to
$439.7 million, up from $398.3 million during the same period in 2011.
Contributing to the increase in total revenue was an increase in consumer loan
fees from the Company’s E-Commerce segment. Revenue from online consumer loan
fees rose 33% during the third quarter of 2012, to $173.6 million, due to
higher demand in the United States and continued growth in foreign markets
during the quarter.

For the nine-month period ended September 30, 2012, the Company reported net
income of $82,990,000 ($2.62 per share) compared to $98,136,000 ($3.07 per
share) for the same period in 2011. When adding back the unusual items
discussed above, adjusted earnings, a non-GAAP measure, would have been $103.4
million and adjusted earnings per share, a non-GAAP measure, would have been
$3.27 per share for the nine-month period ended September 30, 2012, up 7% for
the period. Total revenue increased 18% to $1.3 billion for the nine-month
period ended September 30, 2012, up from $1.1 billion for the same period in
2011.

Commenting on the results for the third quarter, Daniel R. Feehan, President
and Chief Executive Officer said, “We entered the third quarter keenly aware
of the challenging environment but determined to make advances on a variety of
important initiatives to position the Company for next year. We recently
announced that the Company has entered into agreements to add 34 pawn lending
locations in the United States through two independent transactions, one of
which was substantially completed during the quarter, and we began
implementing a new strategy for our Mexico-based pawn lending locations to
focus on full-format pawn locations and place more emphasis on lending
activities secured by general merchandise. We believe these developments plus
the continued growth of our E-Commerce segment will set the stage for fiscal
2013.”

Cash America will host a conference call to discuss the third quarter results
on Thursday, October 25, at 7:00 AM CDT. A live webcast of the call will be
available on the Investor Relations section of the Company’s corporate website
(http://www.cashamerica.com). To listen to the live call, please go to the
website at least fifteen minutes early to register, download, and install any
necessary audio software. A replay will be available on the Company’s website
following the call.

Additionally, the Company announced that the Board of Directors, at its
regularly scheduled quarterly meeting, declared a $0.035 (3.5 cents) per share
cash dividend on common stock outstanding. The dividend will be paid at the
close of business on November 21, 2012 to shareholders of record on November
7, 2012.

Outlook for the Fourth Quarter of 2012 and 2013 Fiscal Year

Management believes that the opportunities for growth in revenue and earnings
will be largely associated with customer demand for the credit products
provided by the Company, which take the form of pawn loans and consumer loans
and the disposition of unredeemed collateral by way of consumer spending on
retail sales and the commercial sale of refined gold and diamonds. The fourth
quarter, during the seasonally important holiday selling season, represents an
important period of retail sales for the Company, and results will be affected
by consumer sentiments during the period. There are various other elements
that could affect the growth in revenue, such as the regulatory governance of
consumer loan products and the development and growth of new and foreign
markets for the Company’s e-commerce distribution platform for consumer
lending products, as well as developments related to the reorganization of the
Company’s Mexico-based pawn operations. As the Company enters the fourth
quarter of 2012, management anticipates that demand for the Company’s consumer
loan products will continue on a similar pace to the one it has experienced
during the first nine months of 2012 with a continued heavier weighting to the
international portfolio. Demand for the Company’s pawn lending products has
proven more challenging in the second and third quarters of 2012, and
management expects growth in the Company’s pawn lending business, but remains
conservative in its expectations for the balance of 2012.

Based on management’s views and on the preceding factors, management expects
the fourth quarter 2012 net income per share to be between $1.15 and $1.25 per
share compared to $1.18 per share in the fourth quarter of 2011, which does
not include costs and other charges expected to be incurred in the fourth
quarter associated with the Company’s previously announced reorganization of
its Mexico-based pawn operations (estimated to be between 19 cents and 32
cents per share). Based on the Company’s growth through the first nine months
of 2012, which produced earnings per share of $2.62 ($3.27 per share on a
non-GAAP adjusted basis, adding back the unusual items discussed above of 65
cents per share in the third quarter), and factors noted above, management
expects its fiscal year 2012 earnings per share to be in a range of between
$3.77 and $3.87 per share ($4.42 and $4.52 per share on a non-GAAP adjusted
basis, adjusted for the third quarter unusual items but excluding the unusual
items expected to be incurred in the fourth quarter, as noted above), compared
to $4.25 per share in fiscal 2011.

In addition, management is initiating its expectations for fiscal year 2013.
Based on its current views of the coming year, management establishes its
initial anticipated range of earnings per share of between $4.75 to $5.15 for
fiscal 2013.

About the Company

As of September 30, 2012, Cash America International, Inc. operated 1,074
total locations offering specialty financial services to consumers, which
included the following:

  *815 lending locations (including one unconsolidated franchised location)
    in 23 states in the United States under the names “Cash America Pawn,”
    “SuperPawn,” “Cash America Payday Advance,” and “Cashland;”
  *160 pawn lending locations in central and southern Mexico under the name
    “Prenda Fácil;”
  *99 check cashing centers (including 93 unconsolidated franchised and six
    Company-owned check cashing centers) operating in 15 states in the United
    States under the name “Mr. Payroll.”

Additionally, as of September 30, 2012, the Company offered consumer loans
over the Internet to customers:

  *in 32 states in the United States at http://www.cashnetusa.com and
    http://www.netcredit.com;
  *in the United Kingdom at http://www.quickquid.co.uk and
    http://www.poundstopocket.co.uk;
  *in Australia at http://www.dollarsdirect.com.au; and
  *in Canada at http://www.dollarsdirect.ca.

For additional information regarding the Company and the services it provides,
visit the Company’s websites located at:

http://www.cashamerica.com    http://www.poundstopocket.co.uk
http://www.enova.com           http://www.dollarsdirect.com.au
http://www.cashnetusa.com      http://www.dollarsdirect.ca
http://www.netcredit.com       http://www.goldpromise.com
http://www.cashlandloans.com   http://www.mrpayroll.com
http://www.quickquid.co.uk     http://www.primaryinnovations.net

A reconciliation of adjusted earnings and adjusted earnings per share, which
are non-GAAP measures, for the three- and nine-month periods ended September
30, 2012 discussed above is included in the attachments to this press release.

Safe Harbor Statement under the Private Securities Litigation Reform Act of
1995

This release contains forward-looking statements about the business, financial
condition and prospects of the Company. The actual results of the Company
could differ materially from those indicated by the forward-looking statements
because of various risks and uncertainties including, without limitation:
changes in domestic and foreign pawn, consumer credit, tax and other laws and
governmental rules and regulations applicable to the Company's business or
changes in the interpretation or enforcement thereof; the anticipated
regulation of consumer financial products and services by the Consumer
Financial Protection Bureau; acceptance by consumers, legislators or
regulators of the negative characterization by the media and consumer
activists with respect to certain of the Company’s loan products; the
reorganization of the Company’s Mexico-based pawn operations; the
deterioration of the political, regulatory or economic environment in foreign
countries where the Company operates or in the future may operate; the actions
of third parties who provide, acquire or offer products and services to, from
or for the Company; changes in demand for the Company's services and the
continued acceptance of the online distribution channel by the Company’s
online loan customers; fluctuations in the price of gold or a deterioration in
economic conditions; changes in competition; the ability of the Company to
open new locations in accordance with its plans or to successfully integrate
newly acquired businesses into the Company’s operations; interest rate and
foreign currency exchange rate fluctuations; the effect of any current or
future litigation proceedings or any judicial decisions or rule-making that
affect the Company’s arbitration agreements; changes in the capital markets;
changes in the Company’s ability to satisfy its debt obligations or to
refinance existing debt obligations or obtain new capital to finance growth; a
prolonged interruption in the Company’s operations of its facilities, systems
and business functions, including its information technology and other
business systems; security breaches, cyber attacks or fraudulent activity; the
implementation of new, or changes in the interpretation of existing,
accounting principles or financial reporting requirements; acts of God, war or
terrorism, pandemics and other events; the effect of any of such changes on
the Company’s business or the markets in which it operates; and other risks
and uncertainties indicated in the Company's filings with the Securities and
Exchange Commission. These risks and uncertainties are beyond the ability of
the Company to control, nor can the Company predict, in many cases, all of the
risks and uncertainties that could cause its actual results to differ
materially from those indicated by the forward-looking statements. When used
in this release, terms such as “believes,” “estimates,” “should,” “could,”
“would,” “plans,” “expects,” “anticipates,” “may,” “forecasts,” “projects” and
similar expressions and variations as they relate to the Company or its
management are intended to identify forward-looking statements. The Company
disclaims any intention or obligation to update or revise any forward-looking
statements to reflect events or circumstances occurring after the date of this
release.

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES
HIGHLIGHTS OF CONSOLIDATED RESULTS OF OPERATIONS
(dollars in thousands, except per share data)
(Unaudited)
                             Three Months Ended       Nine Months Ended
                             September 30,             September 30,
                             2012       2011          2012         2011
                                                                     
Consolidated Operations:
Total revenue                $ 439,694   $ 398,304   $ 1,308,826   $ 1,109,107
Net revenue                    248,477     235,454     738,869       661,430
Total expenses                208,289   172,289   572,442     485,213
                                                                     
Income from Operations       $ 40,188    $ 63,165    $ 166,427     $ 176,217
                                                                     
Income before income taxes    33,046    55,503    145,160     156,838
                                                                     
Net Income                   $ 7,930    $ 34,529   $ 77,673     $ 97,561
                                                                     
Net loss attributable to the  3,773     248       5,317       575
noncontrolling interest
                                                                     
Net Income Attributable to
Cash America International,  $ 11,703   $ 34,777   $ 82,990     $ 98,136
Inc.
                                                                     
Earnings per share:
Net Income attributable to Cash America International, Inc.

common shareholders:
Basic                        $ 0.40      $ 1.18      $ 2.80        $ 3.31
Diluted                      $ 0.37      $ 1.08      $ 2.62        $ 3.07
                                                                     
Weighted average common
shares outstanding:
Basic                          29,536      29,535      29,599        29,626
Diluted                        31,375      32,248      31,643        31,969

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES

CONSOLIDATED BALANCE SHEETS
(dollars in thousands, except per share data)
(Unaudited)
                                       September 30,            December 31,
                                       2012        2011        2011
                                                                     
Assets
Current assets:
Cash and cash equivalents             $ 78,663      $ 54,364      $  62,542
Pawn loans                              254,077       244,441        253,519
Consumer loans, net                     256,825       191,642        222,778
Merchandise held for disposition, net   171,285       166,365        161,884
Pawn loan fees and service charges      48,771        45,066         48,003
receivable
Income taxes receivable                 684           -              -
Prepaid expenses and other assets       36,912        32,095         31,301
Deferred tax assets                    39,826      29,070       35,065
Total current assets                    887,043       763,043        815,092
Property and equipment, net             258,214       236,325        246,429
Goodwill                                599,337       538,169        562,721
Intangible assets, net                  34,877        26,668         34,771
Other assets                           12,936      13,948       15,236
Total assets                          $ 1,792,407  $ 1,578,153  $  1,674,249
                                                                     
Liabilities and Equity
Current liabilities:
Accounts payable and accrued expenses $ 109,986     $ 95,574      $  113,113
Customer deposits                       12,944        10,588         9,935
Income taxes currently payable          -             10,520         12,880
Current portion of long-term debt      44,205      21,856       34,273
Total current liabilities               167,135       138,538        170,201
Deferred tax liabilities                102,048       88,980         89,712
Noncurrent income tax payable           2,697         2,343          2,315
Other liabilities                       1,007         1,522          1,413
Long-term debt                         545,258     470,124      503,018
Total liabilities                     $ 818,145    $ 701,507    $  766,659
                                                                     
Equity:
Cash America International, Inc.
equity:
Common stock, $0.10 par value per
share, 80,000,000 shares
authorized, 30,235,164 shares issued    3,024         3,024          3,024
and outstanding
Additional paid-in capital              157,874       167,193        167,683
Retained earnings                       855,972       739,256        776,060
Accumulated other comprehensive         4,366         (2,352)        (6,896)
income (loss)
Treasury shares, at cost (1,214,646
shares, 982,735 shares and
1,011,356 shares at September 30,
2012 and 2011,
and at December 31, 2011,              (46,175)    (35,752)     (37,419)
respectively)
Total Cash America International,       975,061       871,369        902,452
Inc. shareholders' equity
Noncontrolling interest                (799)       5,277        5,138
Total equity                           974,262     876,646      907,590
Total liabilities and equity          $ 1,792,407  $ 1,578,153  $  1,674,249

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF INCOME

(in thousands, except per share data)

(Unaudited)
                                                   
                             Three Months Ended      Nine Months Ended
                             September 30,           September 30,
                             2012       2011        2012         2011
                                                                     
Revenue
Pawn loan fees and service   $ 76,500    $ 74,399    $ 221,450     $ 206,134
charges
Proceeds from disposition of   153,493     157,886     517,832       473,688
merchandise
Consumer loan fees             205,094     162,981     558,656       418,522
Other                         4,607     3,038     10,888      10,763
Total Revenue                 439,694   398,304   1,308,826   1,109,107
Cost of Revenue
Disposed merchandise           106,918     102,274     350,878       302,472
Consumer loan loss provision  84,299    60,576    219,079     145,205
Total Cost of Revenue         191,217   162,850   569,957     447,677
                                                                     
Net Revenue                   248,477   235,454   738,869     661,430
Expenses
Operations and                 181,215     157,439     515,560       445,613
administration
Depreciation and              27,074    14,850    56,882      39,600
amortization
Total Expenses                208,289   172,289   572,442     485,213
Income from Operations         40,188      63,165      166,427       176,217
Interest expense               (7,196)     (6,865)     (21,065)      (18,307)
Interest income                22          14          79            56
Foreign currency transaction   93          (777)       (72)          (1,058)
gain (loss)
Equity in loss of             (61)      (34)      (209)       (70)
unconsolidated subsidiary
Income before Income Taxes     33,046      55,503      145,160       156,838
Provision for income taxes    25,116    20,974    67,487      59,277
Net Income                     7,930       34,529      77,673        97,561
Net loss attributable to the  3,773     248       5,317       575
noncontrolling interest
Net Income Attributable to
Cash America International,  $ 11,703   $ 34,777   $ 82,990     $ 98,136
Inc.
Earnings Per Share:
Net Income attributable to
Cash America International,
Inc. common shareholders:
Basic                        $ 0.40      $ 1.18      $ 2.80        $ 3.31
Diluted                      $ 0.37      $ 1.08      $ 2.62        $ 3.07
Weighted average common
shares outstanding:
Basic                          29,536      29,535      29,599        29,626
Diluted                        31,375      32,248      31,643        31,969
Dividends declared per       $ 0.035     $ 0.035     $ 0.105       $ 0.105
common share

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES

PAWN LENDING ACTIVITIES – FINANCIAL AND OPERATING DATA

(dollars in thousands, except where otherwise noted)



The following tables outline certain data related to the Company’s pawn loan
activities as of and for the three and nine months ended September 30, 2012 and
2011 (dollars in thousands).

             2012                              2011
              Domestic   Foreign   Total       Domestic   Foreign   Total
As of
September
30,
Ending pawn
loan          $ 241,261   $ 12,816   $ 254,077   $ 225,921   $ 18,520   $ 244,441
balances
Ending
merchandise   $ 160,075   $ 11,210   $ 171,285   $ 156,806   $ 9,559    $ 166,365
balance,
net
                                                                          
Three
Months
Ended
September
30,
                                                                          
Pawn loan
fees and      $ 73,209    $ 3,291    $ 76,500    $ 69,025    $ 5,374    $ 74,399
service
charges
Average
pawn loan     $ 232,027   $ 11,870   $ 243,897   $ 218,607   $ 20,619   $ 239,226
balance
outstanding
Amount of
pawn loans    $ 238,191   $ 17,655   $ 255,846   $ 240,062   $ 34,084   $ 274,146
written and
renewed
Annualized
yield on        125.5%      110.3%     124.8%      125.3%      103.4%     123.4%
pawn loans
Average
amount per    $ 131       $ 84       $ 122       $ 130       $ 100      $ 125
pawn loan
(in ones)
Gross
profit
margin on       31.7%       14.5%      30.3%       36.6%       20.3%      35.2%
disposition
of
merchandise
Merchandise     2.6         3.7        2.7         2.6         4.6        2.7
turnover
                                                                          
              2012                               2011
Nine Months
Ended         Domestic    Foreign    Total       Domestic    Foreign    Total
September
30,
Pawn loan
fees and      $ 210,807   $ 10,643   $ 221,450   $ 190,409   $ 15,725   $ 206,134
service
charges
Average
pawn loan     $ 220,494   $ 13,843   $ 234,337   $ 197,316   $ 20,875   $ 218,191
balance
outstanding
Amount of
pawn loans    $ 675,000   $ 51,478   $ 726,478   $ 641,260   $ 80,483   $ 721,743
written and
renewed
Annualized
yield on        127.7%      102.7%     126.2%      129.0%      100.7%     126.3%
pawn loans
Average
amount per    $ 130       $ 89       $ 122       $ 125       $ 104      $ 122
pawn loan
(in ones)
Gross
profit
margin on       33.8%       11.5%      32.2%       37.9%       16.2%      36.1%
disposition
of
merchandise
Merchandise     3.0         3.8        3.0         2.8         5.3        3.0
turnover

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES
MERCHANDISE DISPOSITION, GROSS PROFIT AND OPERATING DATA
(dollars in thousands)

Profit from the disposition of merchandise represents the proceeds received
from the disposition of merchandise in excess of the cost of disposed
merchandise, which is the Company’s cost basis in the loan or the amount paid
for purchased merchandise. Retail sales include the sale of jewelry and
general merchandise direct to consumers through the Company’s domestic and
foreign retail services locations or over the Internet. Commercial sales
include the sale of refined gold, platinum, silver, and diamonds to brokers or
manufacturers. The following tables summarize the proceeds from the
disposition of merchandise and the related profit for the three and nine
months ended September 30, 2012 and 2011 (dollars in thousands).

            
              Three Months Ended September 30,
              2012                                   2011
              Retail      Commercial  Total         Retail      Commercial  Total
Proceeds
from          $ 81,947     $ 71,546     $ 153,493     $ 79,040     $ 78,846     $ 157,886
disposition
Gross
profit on     $ 30,023     $ 16,552     $ 46,575      $ 30,782     $ 24,830     $ 55,612
disposition
Gross
profit          36.6   %     23.1   %     30.3    %     38.9   %     31.5   %     35.2    %
margin
Percentage
of total        64.5   %     35.5   %     100.0   %     55.4   %     44.6   %     100.0   %
gross
profit

            Nine Months Ended September 30,
            2012                                     2011
            Retail       Commercial   Total         Retail       Commercial   Total
Proceeds
from        $ 277,602     $ 240,230     $ 517,832     $ 253,272     $ 220,416     $ 473,688
disposition
Gross
profit on   $ 103,470     $ 63,484      $ 166,954     $ 99,908      $ 71,308      $ 171,216
disposition
Gross
profit        37.3    %     26.4    %     32.2    %     39.4    %     32.4    %     36.1    %
margin
Percentage
of total      62.0    %     38.0    %     100.0   %     58.4    %     41.6    %     100.0   %
gross
profit

The table below summarizes the age of merchandise held for disposition before
valuation allowance of $0.7 million at September 30, 2012 and 2011 (dollars in
thousands).

                                      As of September 30,
                                       2012                2011
                                       Amount     %         Amount     %
Jewelry - held for one year or less    $ 101,464   59.0      $ 104,004   62.2
Other merchandise - held for one        62,268   36.2     57,625   34.5
year or less
Total merchandise held for one year     163,732  95.2     161,629  96.7
or less
Jewelry - held for more than one         2,827     1.6         2,091     1.3
year
Other merchandise - held for more       5,437    3.2      3,345    2.0
than one year
Total merchandise held for more than    8,264    4.8      5,436    3.3
one year
Total merchandise held for             $ 171,996  100.0   $ 167,065  100.0
disposition

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES
CONSUMER LOAN FINANCIAL AND OPERATING DATA
(dollars in thousands, except where otherwise noted)

The following tables set forth consumer loan fees by segment, adjusted for the
deduction of the loan loss provision for the three and nine months ended
September 30, 2012 and 2011 (dollars in thousands).

                Three Months Ended September 30,
                 2012                                     2011
                 Retail       E-Commerce   Total         Retail      E-Commerce   Total
                 Services                                  Services
Interest and
fees on          $ 28,364      $ 137,570     $ 165,934     $ 29,741     $ 117,084     $ 146,825
short-term
loans
Interest and
fees on           3,081      36,079     39,160     2,936     13,220     16,156  
installment
loans
Consumer loan    $ 31,445      $ 173,649     $ 205,094     $ 32,677     $ 130,304     $ 162,981
fees
Consumer loan     8,061      76,238     84,299     7,513     53,063     60,576  
loss provision
Consumer loan
fees, net of     $ 23,384    $ 97,411    $ 120,795   $ 25,164   $ 77,241    $ 102,405 
loss provision
                                                                                                
Year-over-year   $ (1,780)     $ 20,170      $ 18,390      $ 880        $ 17,792      $ 18,672
change - $
Year-over-year     (7.1)   %     26.1    %     18.0    %     3.6    %     29.9    %     22.3    %
change - %
Consumer loan
loss provision
as a % of
consumer loan     25.6    %   43.9    %   41.1    %   23.0   %   40.7    %   37.2    %
fees


                                                                                                
                 Nine Months Ended September 30,
                 2012                                      2011
                 Retail        E-Commerce    Total         Retail       E-Commerce    Total
                 Services                                  Services
Interest and
fees on          $ 81,169      $ 385,268     $ 466,437     $ 79,503     $ 304,153     $ 383,656
short-term
loans
Interest and
fees on           8,227      83,992     92,219     6,329     28,537     34,866  
installment
loans
Consumer loan    $ 89,396      $ 469,260     $ 558,656     $ 85,832     $ 332,690     $ 418,522
fees
Consumer loan     19,130     199,949    219,079    15,452    129,753    145,205 
loss provision
Consumer loan
fees, net of     $ 70,266    $ 269,311   $ 339,577   $ 70,380   $ 202,937   $ 273,317 
loss provision
                                                                                                
Year-over-year   $ (114)       $ 66,374      $ 66,260      $ (225)      $ 44,329      $ 44,104
change - $
Year-over-year     (0.2)   %     32.7    %     24.2    %     (0.3)  %     27.9    %     19.2    %
change - %
Consumer loan
loss provision
as a % of         21.4    %   42.6    %   39.2    %   18.0   %   39.0    %   34.7    %
consumer loan
fees

In addition to providing consumer loans owned by the Company and consumer
loans guaranteed by the Company, which are either generally accepted
accounting principles (“GAAP”) items or disclosures required by GAAP, the
Company has provided combined consumer loans, which is a non-GAAP measure. In
addition, the Company has provided disclosure regarding consumer loans
written, which is statistical data that is not included in the Company’s
financial statements. The Company also provides allowances and liabilities for
losses on consumer loans on a combined basis, which are GAAP measures.

Management believes these measures provide investors with important
information needed to evaluate the magnitude of potential loan losses and the
opportunity for revenue performance of the consumer loan portfolio on an
aggregate basis. The comparison of the aggregate amounts from period to period
is more meaningful than comparing only the residual amount on the Company’s
balance sheet since both revenue and the loss provision for loans are impacted
by the aggregate amount of loans owned by the Company and those guaranteed by
the Company as reflected in its financial statements.

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES
CONSUMER LOAN FINANCIAL AND OPERATING DATA
(dollars in thousands, except where otherwise noted)

The following tables summarize selected data related to the Company’s consumer
loan activities as of September 30, 2012 and 2011 and for the three and nine
months ended September 30, 2012 and 2011.

                            Three Months Ended          Nine Months Ended
                             September 30,                 September 30,
                             2012           2011         2012       2011
Combined consumer loan
loss provision as a % of     9.5%             7.4%         8.8%         6.7%
combined consumer loans
written and renewed^(a)
Charge-offs (net of
recoveries) as a % of        8.5%             6.1%         8.2%         6.3%
combined consumer loans
written and renewed^(a)
Combined consumer loan
loss provision as a % of    41.1%          37.2%      39.2%      34.7%
consumer loan fees
                             
^(a) The disclosure regarding the amount and number of consumer loans written
and renewed is statistical data that is not included in the Company’s
financial statements.


             As of September 30,
              2012                                     2011
              Company      Guaranteed                   Company      Guaranteed
              Owned^(a)   by the       Combined^(b)   Owned^(a)   by the       Combined^(b)
                           Company^(a)                               Company^(a)
Ending
consumer
loan
balances:
Retail
Services
Short-term    $ 49,079     $  6,904      $  55,983      $ 48,891     $  8,644      $  57,535
loans
Installment   9,899       6,707       16,606      8,484       6,218       14,702
loans
Total
Retail        58,978      13,611      72,589      57,375      14,862      72,237
Services,
gross
E-Commerce
Domestic
Short-term      75,435        37,952        113,387       51,829        33,514        85,343
loans
Installment   38,986      -           38,986      19,856      -           19,856
loans
Total
Domestic,     114,421     37,952      152,373     71,685      33,514      105,199
gross
                                                                                      
Foreign
Short-term      96,561        3,708         100,269       86,987        2,842         89,829
loans
Installment   66,111      -           66,111      22,930      -           22,930
loans
Total
Foreign,      162,672     3,708       166,380     109,917     2,842       112,759
gross
Total
E-Commerce,   277,093     41,660      318,753     181,602     36,356      217,958
gross
                                                                                      
Total
ending loan     336,071       55,271        391,342       238,977       51,218        290,195
balance,
gross
Less:
Allowance
and           (79,246)    (3,437)     (82,683)    (47,335)    (2,487)     (49,822)
liabilities
for
losses^(a)
Total
ending loan  $ 256,825   $  51,834    $  308,659    $ 191,642   $  48,731    $  240,373
balance,
net
Allowance
and
liability
for losses
as a % of     23.6%       6.2%        21.1%       19.8%       4.9%        17.2%
combined
consumer
loan
balances,
gross^(b)
                                                                                      
            GAAP measure. The consumer loan balances guaranteed by the Company represent loans
            originated by third-party lenders through the Company's credit services
^(a)        organization programs (the "CSO programs"), so these balances are not recorded in
            the Company’s financial statements. However, the Company has established a
            liability for estimated losses in support of its guarantee of these loans, which is
            reflected in the table above and included in its financial statements.
^(b)        Except for allowance and liability for estimated losses, amounts represent non-GAAP
            measures.
            
            

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES
CONSUMER LOAN FINANCIAL AND OPERATING DATA
(dollars in thousands, except where otherwise noted)

The following tables summarize consumer loans written or renewed for the three
and nine months ended September 30, 2012 and 2011 (dollars in thousands).

             Three Months Ended September 30,
              2012                                         2011
              Company       Guaranteed by                   Company       Guaranteed by
              Owned^(a)    the             Combined^(a)   Owned^(a)    the             Combined^(a)
                            Company^(a)(b)                                Company^(a)(b)
Amount of
consumer
loans
written and
renewed:


Retail
Services
Short-term    $ 191,332     $    36,343      $  227,675     $ 196,771     $    45,915      $  242,686
loans
Installment   2,026          4,457        6,483       1,601          5,126        6,727
loans
Total
Retail        193,358        40,800       234,158     198,372        51,041       249,413
Services
E-Commerce
Domestic
Short-term      116,785          197,962        314,747       109,909          180,890        290,799
loans
Installment   29,987         -            29,987      15,223         -            15,223
loans
Total         146,772        197,962      344,734     125,132        180,890      306,022
Domestic

Foreign
Short-term      251,787          17,676         269,463       231,310          15,410         246,720
loans
Installment   35,380         -            35,380      15,844         -            15,844
loans
Total         287,167        17,676       304,843     247,154        15,410       262,564
Foreign
Total         433,939        215,638      649,577     372,286        196,300      568,586
E-Commerce

Total
amount of
consumer
loans        $ 627,297    $    256,438    $  883,735    $ 570,658    $    247,341    $  817,999

written and
renewed:
                                                                                              
Number of
consumer
loans
written and
renewed:


Retail
Services
Short-term      408,886          68,960         477,846       423,380          81,771         505,151
loans
Installment   1,772          662          2,434       1,554          977          2,531
loans
Total
Retail        410,658        69,622       480,280     424,934        82,748       507,682
Services
E-Commerce
Domestic
Short-term      388,650          271,250        659,900       342,634          258,705        601,339
loans
Installment   31,444         -            31,444      11,799         -            11,799
loans
Total         420,094        271,250      691,344     354,433        258,705      613,138
Domestic

Foreign
Short-term      434,578          23,146         457,724       433,216          22,251         455,467
loans
Installment   30,336         -            30,336      13,967         -            13,967
loans
Total         464,914        23,146       488,060     447,183        22,251       469,434
Foreign
Total         885,008        294,396      1,179,404   801,616        280,956      1,082,572
E-Commerce

Total
number of
consumer
loans         1,295,666      364,018      1,659,684   1,226,550      363,704      1,590,254

written and
renewed

^(a) The disclosure regarding the amount and number of consumer loans written and renewed is
statistical data that is not included in the Company’s financial statements.
^(b) Loans guaranteed by the Company represent loans originated by third-party lenders through the CSO
programs.


CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES
CONSUMER LOAN FINANCIAL AND OPERATING DATA
(dollars in thousands, except where otherwise noted)

                   Nine Months Ended September 30,
                     2012                                           2011
                     Company         Guaranteed by                   Company         Guaranteed by
                     Owned^(a)     the             Combined^(a)   Owned^(a)     the             Combined^(a)
                                     Company^(a)(b)                                  Company^(a)(b)
       Amount of
       consumer
       loans
       written and
       renewed:

       
       Retail
       Services
       Short-term    $ 544,930       $   109,005      $  653,935     $ 534,182       $    128,431     $  662,613
       loans
       Installment   5,690           10,613        16,303      6,580            10,193       16,773
       loans
       Total
       Retail        550,620         119,618       670,238     540,762          138,624      679,386
       Services
       E-Commerce
       Domestic
       Short-term      330,986           541,364         872,350       315,472            491,424        806,896
       loans
       Installment   57,354          -             57,354      28,262           -            28,262
       loans
       Total         388,340         541,364       929,704     343,734          491,424      835,158
       Domestic
                                                                                                         
       Foreign
       Short-term      738,682           52,724          791,406       568,507            40,476         608,983
       loans
       Installment   91,790          -             91,790      36,797           -            36,797
       loans
       Total         830,472         52,724        883,196     605,304          40,476       645,780
       Foreign
       Total         1,218,812       594,088       1,812,900   949,038          531,900      1,480,938
       E-Commerce
       
       Total
       amount of
       consumer
       loans        $ 1,769,432    $   713,706     $  2,483,138  $ 1,489,800    $    670,524    $  2,160,324

       written and
       renewed:
                                                                                                         
       Number of
       consumer
       loans
       written and
       renewed:

       
       Retail
       Services
       Short-term      1,159,449         200,636         1,360,085     1,155,859          226,068        1,381,927
       loans
       Installment   5,252           1,506         6,758       5,101            2,039        7,140
       loans
       Total
       Retail        1,164,701       202,142       1,366,843   1,160,960        228,107      1,389,067
       Services
       E-Commerce
       Domestic
       Short-term      1,075,228         741,152         1,816,380     957,228            693,814        1,651,042
       loans
       Installment   57,255          -             57,255      24,630           -            24,630
       loans
       Total         1,132,483       741,152       1,873,635   981,858          693,814      1,675,672
       Domestic
       
       Foreign
       Short-term      1,359,841         69,645          1,429,486     1,077,980          61,340         1,139,320
       loans
       Installment   80,539          -             80,539      32,185           -            32,185
       loans
       Total         1,440,380       69,645        1,510,025   1,110,165        61,340       1,171,505
       Foreign
       Total         2,572,863       810,797       3,383,660   2,092,023        755,154      2,847,177
       E-Commerce
       
       Total
       number of
       consumer
       loans         3,737,564       1,012,939     4,750,503   3,252,983        983,261      4,236,244

       written and
       renewed
       
^(a)   The disclosure regarding the amount and number of consumer loans written and renewed is statistical data
       that is not included in the Company’s financial statements.
^(b)   Loans guaranteed by the Company represent loans originated by third-party lenders through the CSO programs.

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES
INCOME FROM OPERATIONS BY OPERATING SEGMENT
(dollars in thousands)

The following tables contain operating segment data for the three and nine
months ended September 30, 2012 and 2011 (dollars in thousands).

Corporate operations primarily include corporate expenses, such as personnel,
legal, occupancy, and other costs related to corporate service functions, such
as executive oversight, insurance and risk management, public and government
relations, internal audit, treasury, payroll, compliance and licensing,
finance, accounting, tax and information systems (except for online lending
systems, which are included in the e-commerce segment). Corporate income
includes miscellaneous income not directly attributable to the Company’s
segments. Corporate assets primarily include: corporate property and
equipment, nonqualified savings plan assets, marketable securities, foreign
exchange forward contracts and prepaid insurance.

              Retail Services                       E-Commerce                                    
               Domestic   Foreign     Total         Domestic   Foreign    Total       Corporate    Consolidated
                                                                                                          
Three Months
Ended
September 30,
2012
Revenue
Pawn loan fees
and service    $ 73,209    $ 3,291      $ 76,500      $ -         $ -         $ -         $ -          $  76,500
charges
Proceeds from
disposition of   141,088     12,405       153,493       -           -           -           -             153,493
merchandise
Consumer loan    31,445      -            31,445        89,342      84,307      173,649     -             205,094
fees
Other           1,938     252        2,190       374       14        388       2,029       4,607
Total revenue   247,680   15,948     263,628     89,716    84,321    174,037   2,029       439,694
Cost of
revenue
Disposed         96,315      10,603       106,918       -           -           -           -             106,918
merchandise
Consumer loan   8,061     -          8,061       42,877    33,361    76,238    -           84,299
loss provision
Total cost of   104,376   10,603     114,979     42,877    33,361    76,238    -           191,217
revenue
                                                                                                          
Net revenue     143,304   5,345      148,649     46,839    50,960    97,799    2,029       248,477
Expenses
Operations and   84,874      14,205       99,079        33,397      31,051      64,448      17,688        181,215
administration
Depreciation
and             7,808     12,264     20,072      3,037     342       3,379     3,623       27,074
amortization
Total expenses  92,682    26,469     119,151     36,434    31,393    67,827    21,311      208,289
Income (loss)
from           $ 50,622   $ (21,124)  $ 29,498     $ 10,405   $ 19,567   $ 29,972   $ (19,282)  $  40,188
operations
As of
September 30,
2012
Total assets   $ 993,598   $ 111,610    $ 1,105,208   $ 382,459   $ 174,665   $ 557,124   $ 130,075    $  1,792,407
Goodwill                                $ 388,965                             $ 210,372                $  599,337

              Retail Services                      E-Commerce                                    
               Domestic   Foreign    Total         Domestic   Foreign    Total       Corporate    Consolidated
                                                                                                         
Three Months
Ended
September 30,
2011
Revenue
Pawn loan fees
and service    $ 69,025    $ 5,374     $ 74,399      $ -         $ -         $ -         $ -          $  74,399
charges
Proceeds from
disposition of   144,820     13,065      157,885       1           -           1           -             157,886
merchandise
Consumer loan    32,677      -           32,677        67,320      62,984      130,304     -             162,981
fees
Other           2,521     16        2,537       49        294       343       158         3,038
Total revenue   249,043   18,455    267,498     67,370    63,278    130,648   158         398,304
Cost of
revenue
Disposed         91,863      10,411      102,274       -           -           -           -             102,274
merchandise
Consumer loan   7,513     -         7,513       25,472    27,591    53,063    -           60,576
loss provision
Total cost of   99,376    10,411    109,787     25,472    27,591    53,063    -           162,850
revenue
Net revenue     149,667   8,044     157,711     41,898    35,687    77,585    158         235,454
Expenses
Operations and   85,419      8,138       93,557        24,115      23,508      47,623      16,259        157,439
administration
Depreciation
and             7,090     1,488     8,578       2,634     218       2,852     3,420       14,850
amortization
Total expenses  92,509    9,626     102,135     26,749    23,726    50,475    19,679      172,289
Income (loss)
from           $ 57,158   $ (1,582)  $ 55,576     $ 15,149   $ 11,961   $ 27,110   $ (19,521)  $  63,165
operations
As of
September 30,
2011
Total assets   $ 885,572   $ 121,326   $ 1,006,898   $ 323,699   $ 115,905   $ 439,604   $ 131,651    $  1,578,153
Goodwill                               $ 327,887                             $ 210,282                $  538,169

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES
INCOME FROM OPERATIONS BY OPERATING SEGMENT
(in thousands)

               Retail Services                     E-Commerce                                    
                 Domestic   Foreign     Total       Domestic   Foreign    Total       Corporate    Consolidated
                                                                                                          
Nine Months
Ended
September 30,
2012
Revenue
Pawn loan fees
and service      $ 210,807   $ 10,643     $ 221,450   $ -         $ -         $ -         $ -          $  221,450
charges
Proceeds from
disposition of     481,558     36,274       517,832     -           -           -           -             517,832
merchandise
Consumer loan      89,396      -            89,396      232,268     236,992     469,260     -             558,656
fees
Other             7,085     512        7,597     827       19        846       2,445       10,888
Total revenue     788,846   47,429     836,275   233,095   237,011   470,106   2,445       1,308,826
Cost of
revenue
Disposed           318,788     32,090       350,878     -           -           -           -             350,878
merchandise
Consumer loan     19,130    -          19,130    95,474    104,475   199,949   -           219,079
loss provision
Total cost of     337,918   32,090     370,008   95,474    104,475   199,949   -           569,957
revenue
                                                                                                          
Net revenue       450,928   15,339     466,267   137,621   132,536   270,157   2,445       738,869
Expenses
Operations and     264,337     30,221       294,558     82,986      85,552      168,538     52,464        515,560
administration
Depreciation
and               22,454    14,513     36,967    8,376     905       9,281     10,634      56,882
amortization
Total expenses    286,791   44,734     331,525   91,362    86,457    177,819   63,098      572,442
Income (loss)
from             $ 164,137  $ (29,395)  $ 134,742  $ 46,259   $ 46,079   $ 92,338   $ (60,653)  $  166,427
operations

               Retail Services                    E-Commerce                                    
                 Domestic   Foreign    Total       Domestic   Foreign    Total       Corporate    Consolidated
                                                                                                         
Nine Months
Ended
September 30,
2011
Revenue
Pawn loan fees
and service      $ 190,409   $ 15,725    $ 206,134   $ -         $ -         $ -         $ -          $  206,134
charges
Proceeds from
disposition of     435,745     37,913      473,658     30          -           30          -             473,688
merchandise
Consumer loan      85,832      -           85,832      181,243     151,447     332,690     -             418,522
fees
Other             8,768     292       9,060     392       831       1,223     480         10,763
Total revenue     720,754   53,930    774,684   181,665   152,278   333,943   480         1,109,107
Cost of
revenue
Disposed           270,692     31,757      302,449     23          -           23          -             302,472
merchandise
Consumer loan     15,452    -         15,452    59,134    70,619    129,753   -           145,205
loss provision
Total cost of     286,144   31,757    317,901   59,157    70,619    129,776   -           447,677
revenue
                                                                                                         
Net revenue       434,610   22,173    456,783   122,508   81,659    204,167   480         661,430
Expenses
Operations and     249,752     25,335      275,087     62,482      58,999      121,481     49,045        445,613
administration
Depreciation
and               19,359    4,459     23,818    7,956     618       8,574     7,208       39,600
amortization
Total expenses    269,111   29,794    298,905   70,438    59,617    130,055   56,253      485,213
Income (loss)
from             $ 165,499  $ (7,621)  $ 157,878  $ 52,070   $ 22,042   $ 74,112   $ (55,773)  $  176,217
operations

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES
LOCATION INFORMATION

Retail Services Segment

The following table sets forth the number of domestic and foreign
Company-owned and franchised locations in the Company’s retail services
segment offering pawn lending, consumer lending, and other services as of
September 30, 2012 and 2011. The Company’s domestic retail services locations
operate under the names “Cash America Pawn,” “SuperPawn,” “Cash America Payday
Advance,” “Cashland” and “Mr. Payroll.” The Company’s foreign retail services
locations operate under the name “Prenda Fácil.”

           As of September 30,
            2012                                    2011
            Domestic^(a)(b)  Foreign^(a)  Total     Domestic^(a)(b)  Foreign^(a)  Total
Retail
services
locations
offering:
Both pawn
and         577               -             577       571               -             571
consumer
lending
Pawn
lending     155               160           315       125               186           311
only
Consumer
lending     83                -             83        86                -             86
only
Other       99                -             99       115               -             115
^(c)
Total
retail      914               160           1,074    897               186           1,083
services

     Except as described in (c) below, includes locations that operate in 23
^(a) states in the United States as of both September 30, 2012 and 2011,
     respectively.
     Includes unconsolidated franchised locations as follows: one location
^(b) operating under the name “Cash America Pawn” as of September 30, 2012 and
     eight locations operating under the names “Cash America Pawn” and
     “SuperPawn” as of September 30, 2011.
     As of September 30, 2012 and 2011, includes six and six consolidated
     Company-owned check cashing locations, respectively, and 93 and 109
^(c) unconsolidated franchised check cashing locations, respectively. As of
     September 30, 2012 and 2011, includes locations that operate in 15 and 18
     states in the United States, respectively.

E-Commerce Segment

As of September 30, 2012 and 2011, the Company’s e-commerce segment operated
in 32 states in the United States and in three other foreign countries.

  *in the United States at http://www.cashnetusa.com and
    http://www.netcredit.com,
  *in the United Kingdom at http://www.quickquid.co.uk and 
    http://www.poundstopocket.co.uk,
  *in Australia at http://www.dollarsdirect.com.au, and
  *in Canada at http://www.dollarsdirect.ca.

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES
NON-GAAP DISCLOSURE

Non-GAAP Disclosure

In addition to the financial information prepared in conformity with GAAP the
Company provides historical non-GAAP financial information. Management
believes that presentation of non-GAAP financial information is meaningful and
useful in understanding the activities and business metrics of the Company’s
operations. Management believes that these non-GAAP financial measures reflect
an additional way of viewing aspects of the Company’s business that, when
viewed with its GAAP results, provide a more complete understanding of factors
and trends affecting its business.

Management provides non-GAAP financial information for informational purposes
and to enhance understanding of the Company’s GAAP consolidated financial
statements. Readers should consider the information in addition to, but not
instead of, its financial statements prepared in accordance with GAAP. This
non-GAAP financial information may be determined or calculated differently by
other companies, limiting the usefulness of those measures for comparative
purposes.

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES
NON-GAAP DISCLOSURE
ADJUSTED EARNINGS PER SHARE

Adjusted Earnings Per Share

In addition to reporting financial results in accordance with GAAP, the
Company has provided adjusted earnings and adjusted earnings per share, which
are non-GAAP measures. Management believes that the presentation of these
measures provides investors with greater transparency and facilitates
comparison of operating results across a broad spectrum of companies with
varying capital structures, compensation strategies, derivative instruments
and amortization methods, which provides a more complete understanding of the
Company’s financial performance, competitive position and prospects for the
future. Management also believes that investors regularly rely on non-GAAP
financial measures, such as adjusted earnings and adjusted earnings per share,
to assess operating performance and that such measures may highlight trends in
the Company’s business that may not otherwise be apparent when relying on
financial measures calculated in accordance with GAAP. In addition, management
believes that the adjustments shown below, especially the adjustments for
events that occurred during the three months ended September 30, 2012, such as
the reorganization of the Mexico-based pawn operations and the withdrawal of
the proposed initial public offering of the Company's wholly-owned subsidiary,
Enova International, Inc. (the "proposed Enova IPO"), are useful to investors
in order to allow them to compare the Company’s financial results for the
quarter with the previous periods shown.

The following table provides a reconciliation between net income attributable
to the Company and diluted earnings per share calculated in accordance with
GAAP to adjusted earnings and adjusted earnings per share, respectively, which
are shown net of tax (dollars in thousands, except per share data):

                      Three Months Ended                         Nine Months Ended
                       September 30,                             September 30,
                        2012              2011                 2012                 2011
                                  Per                  Per                   Per                   Per
                       $         Diluted   $         Diluted   $          Diluted   $          Diluted

                                  Share                Share                 Share                 Share
                                                                                                      
     Net income
     attributable to
     Cash America      $ 11,703   $  0.37   $ 34,777   $  1.08   $ 82,990    $  2.62   $ 98,136    $  3.07
     International,
     Inc.
     
     Adjustments:
     Charges related
     to withdrawn        1,941       0.06     -           -        2,461        0.08     -            -
     Enova IPO^(a)
     Charges related
     to Mexico
     Reorganization,   18,456    0.59   -         -      18,456     0.58   -          -
     net of
     noncontrolling
     interest^(b)
     Subtotal          32,100    1.02   34,777    1.08   103,907    3.28   98,136     3.07
     Other
     adjustments:
     Intangible
     asset               639         0.02     939         0.03     2,042        0.06     3,024        0.09
     amortization
     Non-cash
     equity-based        564         0.02     842         0.03     2,481        0.08     2,448        0.08
     compensation
     Convertible
     debt non-cash
     interest and        601         0.02     559         0.02     1,766        0.06     1,650        0.05
     issuance cost
     amortization
     Foreign
     currency          (58)      -      483       0.01   45         -      658        0.02
     transaction
     (gain) loss
     Adjusted         $ 33,846  $  1.08  $ 37,600  $  1.17  $ 110,241  $  3.48  $ 105,916  $  3.31
     earnings
                                                                                                      
     Represents charges directly related to the proposed Enova IPO that was withdrawn in July 2012. For
     the three months ended September 30, 2012, represents $3.1 million of charges, net tax benefit of
^(a) $1.2 million. For the nine months ended September 30, 2012, represents $3.9 million of charges, net
     tax benefit of $1.2 million.

     
     Represents charges related to the reorganization of the Company’s Mexico-based pawn operations. For
^(b) the three and nine months ended September 30, 2012, represents $21.9 million of charges, net tax
     benefit of $1.2 million and noncontrolling interest of $2.2 million.

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES
NON-GAAP DISCLOSURE
ADJUSTED EBITDA

Adjusted EBITDA

The table below shows adjusted EBITDA, a non-GAAP measure that the Company
defines as earnings excluding depreciation, amortization, interest, foreign
currency transaction gains or losses, equity in earnings or loss of
unconsolidated subsidiary, taxes and including the net income or loss
attributable to noncontrolling interests. Management believes adjusted EBITDA
is used by investors to analyze operating performance and evaluate the
Company’s ability to incur and service debt and its capacity for making
capital expenditures. Adjusted EBITDA is also useful to investors to help
assess the Company’s liquidity and estimated enterprise value. The computation
of adjusted EBITDA as presented below may differ from the computation of
similarly-titled measures provided by other companies (dollars in thousands):

                                            Trailing 12 Months Ended
                                             September 30,
                                             2012            2011          
Net income attributable to Cash America
                                              $ 120,817        $ 132,841
International, Inc.
                                                                   
Adjustments:
Depreciation and amortization expenses           71,431            52,172
Interest expense, net                            28,182            24,078
Foreign currency transaction loss                279               1,421
Equity in loss of unconsolidated                 243               145
subsidiary
Provision for income taxes                       90,570            79,401
Net loss attributable to the                  (5,539    )    (479      )
noncontrolling interest
Adjusted EBITDA                              $ 305,983      $ 289,579   
                                                                   
Adjusted EBITDA margin calculated as
follows:
Total revenue                                  $ 1,782,783       $ 1,489,105
Adjusted EBITDA                               305,983       289,579   
Adjusted EBITDA as a percentage of total      17.2      %    19.4      %
revenue

Contact:

Cash America International, Inc.
Thomas A. Bessant, Jr., 817-335-1100
 
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