H&R Block, Inc
(NYSE:HRB)

H&R Block, Inc., through its subsidiaries, provides assisted income tax return preparation, do-it-yourself (DIY) tax, and virtual tax preparation services and products to the general public primarily in the United States, Canada, and Australia. The company offers assisted income tax return preparati...

Website: http://www.hrblock.com

Founded: 1955

Full Time Employees: 3,500

CEO: Jeffrey J. Jones II

Sector: Consumer Cyclical

Industry: Personal Services

Tax Service

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Unit: USD	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-04-30	2021-01-31	2020-10-31	2020-07-31	2020-04-30	2020-01-31	2019-10-31	2019-07-31	2019-04-30	2019-01-31	2018-10-31	2018-07-31	2018-04-30	2018-01-31	2017-10-31	2017-07-31	2017-04-30	2017-01-31	2016-10-31	2016-04-30	2016-01-31	2015-07-31	2015-04-30	2015-01-31	2014-07-31	2014-04-30	2014-01-31	2013-10-31	2013-07-31	2013-04-30	2013-01-31	2012-10-31	2012-07-31	2012-04-30	2012-01-31	2011-10-31	2011-07-31	2011-04-30	2011-01-31	2010-10-31	2010-07-31	2010-04-30	2010-01-31	2009-10-31	2009-07-31	2009-04-30	2009-01-31	2008-10-31	2008-07-31	2008-04-30	2008-01-31	2007-10-31	2007-07-31	2007-04-30	2007-01-31	2006-10-31	2006-07-31	2006-04-30	2006-01-31	2005-10-31	2005-07-31	2005-04-30	2005-01-31	2004-10-31	2004-07-31	2004-04-30	2004-01-31	2003-10-31	2003-07-31

revenues:
service revenues	2,226,323	167,779	192,111	1,039,712	2,099,481	152,968	181,771	987,974	1,993,556	149,081	171,726	965,127	1,885,035	139,565	167,194	982,862	1,841,122	133,725	176,977	2,110,618	244,692	160,962	550,951	1,635,561	419,955	139,648	132,159	2,063,941	373,659	127,267	126,860	2,125,037	388,771	127,923	124,695	148,180.25	361,397	118,940	155,339	389,502	118,434	2,013,701	406,441	115,473	2,211,428	138,613	112,432	107,800	1,884,472	362,194		79,896				240,563	2,005,008	677,295	296,139	247,419	1,944,217	744,327	294,958	247,985	2,081,162	799,687	316,337	301,521	2,191,745	776,411	373,817	321,663	1,936,389	758,005	462,828	421,699	1,951,496	812,224	384,263	315,128	-1,192,432,414	656,871,000	277,289,000	239,757,000	1,703,671,000	591,050,000	236,800,000	209,734,000
royalty, product and other revenues	171,784	31,086	11,440	71,299	177,623	26,102	12,039	74,656	191,278	30,002	12,074	67,019	208,614	26,840	12,791	67,211	220,635	25,091	15,647	217,562	63,535	15,588	50,079	173,791	99,250	21,153	18,203	268,502	94,725	21,604	18,323	267,812	99,655	12,931	13,107	28,919.5	90,485	12,392	29,830	85,041	10,906	252,832	63,335	8,814
revenues: - sum	2,398,107	198,865	203,551	1,111,011	2,277,104	179,070	193,810	1,062,630	2,184,834	179,083	183,800	1,032,146	2,093,649	166,405	179,985	1,050,073	2,061,757	158,816	192,624	2,328,180	308,227	176,550	601,030	1,809,352	519,205	160,801	150,362	2,332,443	468,384	148,871	145,183			140,854	137,802	177,099.75	451,882	131,332	185,169	474,543	137,718	2,301,370	509,074	133,586	2,562,990	199,770	134,340	127,195				96,489																													513,493,250	1,032,007,000	539,255,000	482,711,000	2,142,868,000	977,157,000	579,855,000	494,843,000
operating expenses:
costs of revenues	1,031,951	339,919	274,017	532,929	969,392	314,209	269,581	506,373	926,008	299,827	259,358	480,759	883,686	298,345	260,662	518,952	831,455	289,323	241,532	901,728	380,273	245,055	315,036	767,157	462,521	253,206	229,392	863,521	421,026	250,815	221,560
selling, general and administrative	329,332	157,825	136,565	206,803	329,399	158,152	152,560	205,426	330,622	146,688	130,768	174,877	345,461	151,263	128,434	219,517	344,937	146,793	125,864	340,900	191,488	136,842	133,038	268,603	209,288	150,334	116,136	317,650	185,458	113,319	105,740														91,309.25	174,448	94,092	96,697									232,365	235,799	108,943		203,936	194,661	129,685	103,217	184,436	208,814	138,036	140,470	286,167	269,019	180,876	145,824	260,799	269,393	229,116	215,998	372,538	344,246	206,549	189,252	-893,101,875	366,025,000	286,793,000	266,754,000
total operating expenses	1,361,283	497,744	410,582	739,732	1,298,791	472,361	422,141	711,799	1,256,630	446,515	390,126	655,636	1,229,147	449,608	389,096	738,469	1,176,392	436,116	367,396	1,242,628	571,761	381,897	448,074	1,141,760	671,809	403,540	345,528	1,181,171	606,484	364,134	327,300	1,142,353	585,699	356,865	322,964	1,094,393	576,674	339,354	1,136,628	594,385	311,700	1,085,765	584,225	308,721
other income	3,941	3,034	8,102	12,331	4,554	2,744	11,917	15,143	5,224	5,922	9,836	14,472	13,224	4,185	3,611	465	238	1,467	284	1,220	2,367	-819	3,211	1,896	1,879	2,739	9,123	5,144	2,269	4,464	4,542	2,795	1,028	1,011	1,220	1,276		2,180	3,708	3,055	433						1,254		3,026	-3,632		3,144				4,087	2,285	2,031	3,885	3,254	1,302	3,007	1,700	3,289	2,303	1,674	-2,121	-1,355	6,138	2,597	10,507	8,559	7,759	3,031	5,271	6,798	8,576	3,708	2,843	7,400	-23,222,171	19,732,000	1,510,000	2,008,000	5,379,000	1,616,000	1,164,000	1,695,000
interest expense on borrowings	-24,307	-23,378	-17,402	-15,828	-24,686	-21,752	-15,847	-15,776	-26,070	-21,364	-15,870	-15,871	-22,298	-18,985	-15,824	-18,621	-23,746	-23,085	-22,830	-21,551	-22,333	-30,861																				9,171.5	9,048
income from continuing operations before income taxes	1,016,458			367,782	958,181			350,198	907,358			375,111	855,428			293,448	861,857						124,042																																										1,178,054	101,739
income taxes	167,678			67,373	235,253			91,832	215,772			71,158	209,351			68,757	186,884		-47,373			-14,547	30,486										122,120																440,914	-79,353							418,680	-13,074			417,978	43,848			470,245	34,909			457,298	-5,165							393,445	13,295			2,596,858	59,991,000	-33,725,000	-28,481,000	376,439,000	69,394,000	6,758,000	6,715,000
net income from continuing operations	848,780	-241,566	-165,368	300,409	722,928	-242,466	-171,421	258,366	691,586	-189,116	-162,873	303,953	646,077	-220,863	-167,367	224,691	674,973	-189,073	-149,945	950,967	-231,831	-222,480	93,556																										688,922	-16,915		-105,650				-173,443	658,230	-4,375	-106,812	-127,638	692,432	53,603	-126,472	-130,617	707,809	66,830	-133,161	-129,369	691,120	9,284	-136,105	-109,823	603,360	24,965
net loss from discontinued operations, net of tax benefits of 263, 180, 576, and 811	-879
net income	847,901	-242,166	-165,819	299,439	722,330	-243,420	-172,576	257,817	690,737	-189,755	-163,482	302,271	643,429	-223,579	-168,421	222,703	673,177	-190,605	-151,601	949,252	-232,994	-223,726	91,259	460,403	-129,683	-187,999	-150,247	877,909	-126,454	-176,276	-152,670	1,142,927	-245,645	-153,566	-130,567	783,352	-104,514	-146,220	700,662	-81,729	-99,659	738,841	-36,948	-116,232	909,998	-214,711	-104,943	-115,187	664,340	-17,708		-107,441				-175,098	658,561	-12,721	-109,049	-130,681	690,828	50,635	-128,587	-133,634	706,903	47,363	-135,874	-132,719	543,562	-47,358	-502,271	-302,580	-85,564	-60,252	-156,460	-131,377	587,538	12,113	-86,275	-28,324	5,225,857	91,692,000	-52,199,000	-44,083,000	575,635,000	106,726,000	10,376,000	10,582,000
yoy	17.38%	-0.52%	-3.92%	16.14%	4.57%	28.28%	5.56%	-14.71%	7.35%	-15.13%	-2.93%	35.73%	-4.42%	17.30%	11.09%	-76.54%	-388.92%	-14.80%	-266.12%	106.18%	79.66%	19.00%	-160.74%	-47.56%	2.55%	6.65%	-1.59%	-23.19%	-48.52%	14.79%	16.93%	45.90%	135.04%	5.02%	-118.63%	-1058.47%	4.87%	-119.79%	-1996.35%	-29.68%	-110.95%	-444.11%	-64.79%	0.91%	36.98%	1112.51%		7.21%				-38.64%				33.99%	-4.67%	-125.12%	-15.19%	-2.21%	-2.27%	6.91%	-5.36%	0.69%	30.05%	-200.01%	-72.95%	-56.14%	-735.27%	-21.40%	221.02%	130.31%	-114.56%	-597.42%	81.35%	363.84%	-88.76%	-99.99%	-99.83%	-99.94%	-99.09%	-14.09%	-603.07%	-516.58%
qoq	-450.13%	46.04%	-155.38%	-58.55%	-396.74%	41.05%	-166.94%	-62.68%	-464.02%	16.07%	-154.08%	-53.02%	-387.79%	32.75%	-175.63%	-66.92%	-453.18%	25.73%	-115.97%	-507.41%	4.14%	-345.15%	-80.18%	-455.02%	-31.02%	25.13%	-117.11%	-794.25%	-28.26%	15.46%	-113.36%	-565.28%	59.96%	17.61%	-116.67%	-849.52%	-28.52%	-120.87%	-957.30%	-17.99%	-113.49%	-2099.68%	-68.21%	-112.77%	-523.82%	104.60%	-8.89%	-117.34%	-3851.64%							-126.59%	-5276.96%	-88.33%	-16.55%	-118.92%	1264.33%	-139.38%	-3.78%	-118.90%	1392.52%	-134.86%	2.38%	-124.42%	-1247.77%	-90.57%	66.00%	253.63%	42.01%	-61.49%	19.09%	-122.36%	4750.47%	-114.04%	204.60%	-100.54%	-94.30%	-275.66%	18.41%	-107.66%	439.36%	928.59%	-1.95%
basic earnings per share:
continuing operations	6.66	-1.91	-1.26	2.21	5.38	-1.79	-1.23	1.83	4.94	-1.33	-1.11	1.98	4.22	-1.43	-1.05	1.36	4.13	-1.09	-0.84	5.07	-1.27	-1.17	0.48	2.34	-0.66	-0.93	-0.72	4.29	-0.58	-0.83	-0.72	5.48	-1.16	-0.71	-0.62	3.68	-0.49	-0.67	2.77	-0.34	-0.35	2.71	-0.13	-0.4	3.39	-0.78	-0.38	-0.42
discontinued operations		-0.01			-0.01	-0.01	-0.01	-0.01	-0.01		-0.01	-0.01	-0.01	-0.02	-0.01	-0.01	-0.01	-0.01	-0.01	-0.02		-0.01
consolidated	6.66	-1.92	-1.26	2.21	5.37	-1.8	-1.24	1.82	4.93	-1.33	-1.12	1.97	4.21	-1.45	-1.06	1.35	4.12	-1.1	-0.85	5.05	-1.27	-1.18	0.47	2.32	-0.67	-0.95	-0.74	4.26	-0.62	-0.86	-0.74	5.47	-1.18	-0.74	-0.63	3.67	-0.5	-0.68	2.77	-0.35	-0.36	2.69	-0.13	-0.42	3.32	-0.78	-0.39	-0.42
diluted earnings per share:
dividends declared per share	0.42	0.42	0.42	0.281	0.375	0.375	0.375	0.24	0.32	0.32	0.32	0.218	0.29	0.29	0.29	0.203	0.27	0.27	0.27	0.195	0.26	0.26	0.26	0.195	0.26	0.26	0.26	0.188	0.25	0.25	0.25	0.18	0.24	0.24	0.24	0.165	0.22	0.22	0.15	0.2	0.2	0.15	0.2	0.2
comprehensive income:
change in foreign currency translation adjustments	-4,008	5,725	-9,308	23,562	445	-29,034	6,117	-2,509	-9,882	11,559	-10,914	7,182	402	9,307	-32,345	-17,807	5,595	1,656	-11,177	16,479	20,014	2,330	17,539			919			1,235			-4,929	4,848		2,460		1,762							455			582		-684.5	975		-4,965				484	3,950	4,101	5,396	-4,020	835	1,484	2,586	9,537	4,704	-3,671	-11,472	314	181	-1,860	-3,023	4,311	2,663	-268	-329	818	-30	-7,820	4,385	824
other comprehensive income	-4,008	5,725	-9,308	23,562	445	-29,034	6,117	-2,309.25	-9,882	11,559		7,182	402	9,307		-17,807	5,595	1,656	-11,177	16,479	20,014	2,330	17,539			919			1,238			-4,929	4,848		2,462		1,759							306			1,720		-772.5	370		-4,795
comprehensive income	843,893			323,001	722,775			255,308	680,855			309,453	643,831			204,896	678,772						108,798																																		662,632	-7,974			691,420	51,655			711,878	41,985							-90,765.5	-74,870	-155,122	-133,070	-33,051.75	1,291	-105,543	-33,311
loss from continuing operations before income tax benefit		-319,223	-216,331			-312,299	-232,261			-282,874	-212,360			-298,003	-221,324			-298,918		-99,121.25	-283,500
income tax benefit		-77,657	-50,963			-69,833	-60,840			-93,758	-49,487			-77,140	-53,957			-109,845		-8,932.5	-51,669																															-63,619				-119,699			-68,307	-79,679			-86,381	-80,256			-94,292	-85,247			-87,631	-73,757	-43,181.5	-6,112	-106,332	-87,282			-46,854	-17,545
net loss from discontinued operations, net of tax benefits of 178, 286, 313, and 631		-600
basic and diluted loss per share:
comprehensive loss:
comprehensive loss		-236,441	-175,127			-272,454	-166,459			-178,196	-174,396			-214,272	-200,766			-188,949	-162,778	-81,394.5	-212,980	-221,396		-118,226	-133,257	-187,080	-152,567	-114,684.75	-125,216	-179,122	-154,401	-130,963.25	-240,797	-154,951	-128,105	-94,634.25	-102,755	-148,538	-87,246	-86,370	-109,633	-67,904.5	-44,788	-115,926	-112,541.75	-220,950	-103,223	-125,994	-58,370.5	-17,338		-112,236				-173,639			-103,986	-135,007			-125,672	-124,844			-147,943	-134,372	-212,809.25	-48,837	-503,668	-298,732
net loss from discontinued operations, net of tax benefits of 135 and 345			-451
net loss from discontinued operations, net of tax benefits of 180, 254, 811 and 627				-676.75	-598
net loss from discontinued operations, net of tax benefits of 286, 191, 631 and 373						-954
net loss from discontinued operations, net of tax benefits of 345 and 182							-1,155
net loss from discontinued operations, net of tax benefits of 254, 792, 627 and 1,920								-524.25	-849
net loss from discontinued operations, net of tax benefits of 191, 812, 373 and 1,128										-639
net loss from discontinued operations, net of tax benefits of 182 and 316											-609
other comprehensive loss											-10,914				-32,345
net loss from discontinued operations, net of tax benefits of 792, 539, 1,920 and 1,495												-1,604.5	-2,648
net loss from discontinued operations, net of tax benefits of 812, 461, 1,128 and 956														-2,716
net loss from discontinued operations, net of tax benefits of 316 and 495															-1,054
net loss from discontinued operations, net of tax benefits of 539, 793, 1,495 and 3,317																-1,246	-1,796
net loss from discontinued operations, net of tax benefits of 461, 1,132, 956 and 2,524																		-1,532
loss from continuing operations before income taxes																			-197,318			-237,027
net loss from discontinued operations, net of tax benefits of 495 and 1,392																			-1,656
net loss from discontinued operations, net of tax benefits of 1,323, 488, 3,371 and 3,173																				-1,176.5	-1,163
net loss from discontinued operations, net of tax benefits of 1,363, 1,327, 2,048 and 2,685																						-1,246
net loss from discontinued operations, net of tax benefits of 685 and 1,358
basic and diluted earnings per share:
net loss from discontinued operations, net of tax benefits of 488 and 1,962, 3,173 and 4,731
change in foreign currency translation adjustments and other
net loss from discontinued operations, net of tax benefits of 1,327 and 1,607, 2,685 and 2,769
unrealized losses on securities, net of taxes
net loss from discontinued operations, net of tax benefits of 1,358 and 1,162
unrealized gains on securities, net of taxes																												0.75	3
net loss from discontinued operations, net of tax benefits of 1,962, 1,422, 4,731 and 6,094
net loss from discontinued operations, net of tax benefits of 1,607, 3,067, 2,769 and 4,672
net loss from discontinued operations, net of tax benefits of 1,162 and 1,605
unrealized gains on securities, net of taxes:
unrealized holding gains arising during the period, net of taxes of 1 and -																															3
cost of revenues:
compensation and benefits																																75,858.5	181,958	65,884	55,592	68,774.5	165,015	57,728	75,099.5	181,915	55,789	544,588	186,656	51,855	548,955	160,830	60,526	46,312	514,731	160,081		39,585				160,255
occupancy and equipment																																77,938	107,981	105,304	98,467	117,416	104,094	99,067	124,386	96,201	89,855	115,389	92,303	83,306	113,301	88,387	82,358	78,736	107,553	84,710		79,951				94,045																													131,393,000	94,764,000	82,314,000	76,151,000
provision for bad debt																																8,357.25	29,191	1,779	2,459	7,408.5	28,348
depreciation and amortization																																22,597.75	32,046	29,729	28,616	94,962	29,828	29,911	89,361	28,795	27,084	29,166	29,181	25,085																																									49,541,000	46,487,000	40,080,000	35,930,000
other																																36,332.25	65,425	37,323	42,581	-74,927	61,492	39,127	-72,925	49,868	38,775	96,285	47,255	32,971	89,257	45,403	40,673	42,264	131,209	50,304		30,861				49,528																									41,119,500	130,235,000	31,522,000	24,157,000	6,720,000	3,748,000	3,318,000	2,720,000
selling, general and administrative:
marketing and advertising																																20,718.75	64,209	11,562	7,104	157,618	84,101	12,001	182,558	93,708	8,531	165,455	87,569	8,145																																									24,941,500	67,975,000
other selling, general and administrative																																16,594.5	21,505	28,083	16,790	19,375	30,056	27,519	24,320.75	28,003	21,982	26,359	27,488	19,490
net loss from discontinued operations, net of tax benefits of 1,422 and 1,919, 6,094 and 5,120
unrealized holding gains arising during the period, net of tax benefits of - , 2 , - and 8																																0.25
cost of revenues: - sum																																		240,019	227,715	206,391.25	388,777		208,105.5	392,513	213,508	816,389	394,678	211,521	833,202	363,537	220,864	210,053				193,424
selling, general and administrative: - sum																																		116,846	95,249	100,093	187,897	113,652	108,977.75	201,872	98,192	269,376	189,547	97,200
net loss from discontinued operations, net of tax benefits of 3,067 and 1,644, 4,672 and 3,201
unrealized holding gains arising during the period, net of tax benefits of - , - , - and 6
net loss from discontinued operations, net of tax benefits of 1,605 and 1,557
unrealized holding gains arising during the period, net of tax benefits of - and 5																																			2
other expenses																																					304
net loss from discontinued operations, net of tax benefits of 1,919, 1,776, 5,120 and 5,085
unrealized holding losses arising during the period, net of tax benefits of 2, 8, 8 and 2,267
reclassification adjustment for gains included in income, net of taxes of - , - , - and 3,213
net loss from discontinued operations, net of tax benefits of 1,644, 1,420, 3,201 and 3,309
unrealized holding losses arising during the period, net of tax benefits of - , 1,384, 6 and 2,259
reclassification adjustment for gains included in income, net of taxes of - and 3,302, - and 3,213
provision for bad debt and loan losses																																							9,730.25	35,734	2,005	30,961	39,283	4,364	34,247	31,420	2,849	11,491	12,849.5	43,028		4,645
net loss from discontinued operations, net of tax benefits of 1,776, 1,016, 5,085 and 4,814
unrealized holding gains arising during the period																																										1,729.25	2,147
reclassification adjustment for gains included in income																																									141
interest income																																									8,378	34,837	39,298	9,299	38,902	37,369	10,626	11,197	40,797	38,300		9,873				10,433	57,107	56,109	10,635	10,302	49,659	48,346	12,113	12,287	61,018	58,604	17,047	25,238	58,762	58,655	39,599	41,838	42,592	36,217	44,599	41,010	47,870	51,074	55,010	49,253	32,298,000	46,599,000	45,889,000	81,327,000	102,602,000	117,643,000	87,868,000	70,951,000
net loss from discontinued operations, net of tax benefits of 1,889 and 4,564
unrealized holding losses arising during the period
other expense																																										2,407.25	6,666
net income from discontinued operations, net of tax
interest																																												13,940	14,185	14,443	14,314	14,446	15,062	19,428		22,077				23,301																									16,270,000	24,927,000	21,063,000	19,090,000	20,099,000	21,361,000	19,900,000	23,196,000
operating income																																																	1,126,810	-92,636		-172,413				-297,229	1,074,625	-19,480	-179,004	-210,571	1,109,108	94,444	-214,553	-214,162	1,175,751	100,065	-225,332	-213,261	1,142,428	2,146	-233,591	-191,544	1,040,416	27,888	-255,972	-213,322	984,435	33,911	-123,587	-40,834	31,107,253	131,951,000	-87,434,000	-74,572,000	946,695,000	174,504,000	15,970,000	15,602,000
yoy																																																				-41.99%				41.15%	-3.11%	-120.63%	-16.57%	-1.68%	-5.67%	-5.62%	-4.78%	0.42%	2.92%	4562.86%	-3.54%	11.34%	9.80%	-92.30%	-8.74%	-10.21%	5.69%	-17.76%	107.12%	422.41%	-96.84%	-99.97%	-99.86%	-99.95%	-96.71%	-24.39%	-647.49%	-577.96%
qoq																																																	-1316.38%							-127.66%	-5616.56%	-89.12%	-14.99%	-118.99%	1074.36%	-144.02%	0.18%	-118.21%	1074.99%	-144.41%	5.66%	-118.67%	53135.23%	-100.92%	21.95%	-118.41%	3630.69%	-110.89%	19.99%	-121.67%	2803.00%	-127.44%	202.66%	-100.13%	-76.43%	-250.91%	17.25%	-107.88%	442.51%	992.70%	2.36%
net loss from discontinued operations, net of tax benefits of 4,564 and 1,209
reclassification adjustment for losses included in income																																												574
product and other revenues																																													10,817	23,788	11,282	8,198	274,943	71,485		6,720				16,638	263,336	118,078	16,115	16,753	344,018	142,179	19,010	15,233	324,573	135,155	18,085	12,879	364,726	137,545	21,408	17,708	337,771	160,894	17,213	14,157	324,266	135,552	18,503	14,181
depreciation of property and equipment																																													15,000.5	23,054	20,144
net loss from discontinued operations																																																				-1,791
dividends per share																																													0.15	0.2	0.2	0.2													0.113	0.15	0.15		0.11	0.15	0.15	0.143	0.105	0.143	0.143	0.14	0.1	0.14	0.14	0.13	0.09	0.13	0.13	0.11	0.16	0.22	0.22	0.2				0.18
unrealized gains on available-for-sale securities, net of taxes:
unrealized holding losses arising during the period, net of tax benefit of
reclassification adjustment for gains included in income, net of taxes of -, - , - and 71
unrealized holding gains arising during the period, net of taxes (benefit) of 728, 131, (4,337) and 283																																															1,138
reclassification adjustment for gains included in income, net of taxes of -, 71, - and 71
depreciation and amortization of property and equipment																																																16,804				16,305				21,048
unrealized holding gains arising during the period, net of taxes (benefit) of (5,065) and 152
reclassification adjustment for gains included in income, net of taxes
expenses:
depreciation/amortization of property and equipment																																																	13,574.75	20,067
impairment of goodwill																																																								99,697
selling, general and administrative expenses																																																	88,200.5	186,997		75,478				108,166				117,029
loss from continuing operations before taxes																																																	-106,956.25	-96,268
net income from discontinued operations																																																	-1,657	-793						-1,655	-3,406.5	-8,346	-2,237	-3,043	-1,604	-2,968	-2,115	-3,017	-906	-19,467	-2,713	-3,350	-147,558	-56,642	-366,166	-0.59	119,063.5	-85,217
basic and diluted shares																																																	68,320.25	271,542		277,155				305,491			306,804	319,690			335,346	334,533			329,810	327,141			324,694	323,864			321,742	323,671			326,047
dividends paid per share																																																	0.15	0.2		0.2				0.15	0.113	0.15	0.15	0.15				0.15
unrealized holding gains arising during the period, net of taxes (benefit) of (405), (199), (122) and 1,113																																																	-62	-605
reclassification adjustment for gains included in income, net of taxes of –, –, 71 and 58																																																	-26
loss from continuing operations before tax benefit																																																				-169,269
unrealized holding gains arising during the period, net of taxes of 152 and 704																																																				170
reclassification adjustment for gains included in income, net of taxes of – and 58
benefit from bad debt and loan losses																																																								8,823
income from continuing operations before tax benefit																																																								-293,142			-175,119	-207,317			-212,853	-210,873			-227,453	-214,616			-223,736	-183,580	-100,437.25	18,853
change in unrealized gain on available-for-sale securities																																																								975	1.75	646	-333	-306	-220.5	-464	329	-747	-1,067.75	-1,707	-597	-1,967	386	381	1,626	-463	-3,798.5	-14,350	1,667	-2,511	-8,116.5	-3,002	-23,653
cost of revenues																																																									1,018,461	635,163	392,950	368,016	1,024,850	645,747	410,949	386,450
income from continuing operations before taxes																																																									-99,971.25	-17,449			-81,568.75	97,451							-100,799.25	4,119
basic shares																																																									77,636.5	305,144			83,573.25	332,999			82,857.25	337,338			81,136	325,074			80,647	322,350			82,004.25	327,289
diluted shares																																																									77,636.5	305,144			83,573.25	334,297			82,857.25	338,687			81,136	327,202			80,647	326,048			82,004.25	331,935
other revenues:
cost of services																																																																	1,023,687	572,854	376,153	369,606	1,073,440	604,153	428,733	383,400	948,277	587,873	492,861	446,089	1,018,937	633,927	387,217	343,218	281,223,500	509,104,000	318,833,000	271,439,000
cost of other revenues																																																																	82,879	111,713	62,612	42,823	113,198	97,293	58,806	43,529	67,260	69,962	97,236	92,014	120,108	144,663	134,864	123,357
interest expense																																																																					-467.75	-624	-652	-595	-9,073	-12,066	-12,091	-12,135	12,028	12,211	12,385	12,435
income from discontinued operations, net of tax																																																																								-192,757
gains on sales of mortgage assets																																																																											38,601	63,913	172,386	157,897	147,267	236,431	141,237,500	198,302,000			144,825,000	168,965,000	220,289,000
income before income tax benefit																																																																											-262,792	-218,659
basic and diluted loss per share																																																																											-0.49	-0.41			-0.26	-0.09
operating expenses: - sum																																																																													626,823.25	1,122,836	728,630		521,007,000	900,056,000	626,689,000	557,283,000	463,773,500	802,653,000
income before taxes																																																																													980,983	25,408		-45,869	7,822,715	151,683,000	-85,924,000	-72,564,000	952,074,000	176,120,000	17,134,000	17,297,000
basic earnings per share																																																																													-0.075	0.04										0.06
diluted earnings per share																																																																													-0.075	0.04										0.06
loss before taxes																																																																															-133,129
change in unrealized gain on available - for - sale securities																																																																																-5,811
net income before cumulative effect of change in accounting principle																																																																																	-1,147,500	91,692,000	-52,199,000	-44,083,000	32,155,250	106,726,000	10,376,000
cumulative effect of change in accounting principle for multiple deliverable revenue arrangements, less tax benefit of 4,031
before change in accounting principle																																																																																	3.86	0.56	-0.32	-0.26
cumulative effect of change in accounting principle																																																																																					-0.01
gains on sales of mortgage loans																																																																																			184,555,000	137,470,000				192,639,000
product sales																																																																																					49,578,000	51,324,000	28,164,000	17,232,000
royalties																																																																																					135,472,000	44,427,000	3,416,000	1,567,000
employee compensation and benefits																																																																																					736,299,000	392,835,000	255,764,000	222,156,000
supplies, freight and postage																																																																																					37,839,000	28,609,000	14,187,000	8,554,000
cumulative effect of change in accounting principle for multiple deliverable revenue arrangements, less taxes of 4,031
before change in acctg. principle																																																																																					0.18	0.6	0.06

Balance Sheets:

Quarterly

Annual

Unit: USD	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-04-30	2021-01-31	2020-10-31	2020-07-31	2020-04-30	2020-01-31	2019-10-31	2019-07-31	2019-04-30	2019-01-31	2018-10-31	2018-07-31	2018-04-30	2018-01-31	2017-10-31	2017-07-31	2017-04-30	2017-01-31	2016-10-31	2016-07-31	2016-04-30	2016-01-31	2015-10-31	2015-07-31	2015-04-30	2015-01-31	2014-10-31	2014-07-31	2014-04-30	2014-01-31	2013-10-31	2013-07-31	2013-04-30	2013-01-31	2012-07-31	2012-04-30	2011-10-31	2011-07-31	2011-04-30	2011-01-31	2010-10-31	2010-07-31	2010-04-30	2010-01-31	2009-10-31	2009-07-31	2009-04-30	2009-01-31	2008-10-31	2008-07-31	2008-04-30	2008-01-31	2007-10-31	2007-07-31	2007-04-30	2007-01-31	2006-10-31	2006-07-31	2006-04-30	2006-01-31	2005-10-31	2005-07-31	2005-04-30	2005-01-31	2004-10-31	2004-07-31	2004-04-30	2004-01-31	2003-10-31	2003-07-31

assets
cash and cash equivalents	867,008	349,194	376,410	983,277	772,946	320,051	415,860	1,053,326	794,617	321,014	426,990	986,975	909,075	264,455	322,824	885,015	1,041,740	336,250	891,739	934,251	280,249	208,956	2,598,570	2,661,914	192,340	245,312	607,668	1,572,150	203,226	600,799	979,116	1,544,944	187,366	180,997	551,566	1,011,331	221,172	232,510	306,871	896,801	189,511	360,681	1,299,382	2,007,190	1,321,134	627,490	1,429,489	2,185,307	437,404	790,772	1,163,876	1,747,584	418,385	939,871	1,944,334	572,611	1,012,709	1,677,844	1,465,690	959,746	1,098,610	1,804,045	1,727,677	1,432,243	1,006,303	1,654,663	1,269,203	693,626	355,998	726,845	1,410,009	386,915	437,671	921,838	1,082,666	442,273	390,068	694,358	1,460,180	392,490	632,801	1,100,213	576,146,000	575,796,000	317,100,000	1,071,676,000	671,089,000	261,330,000	674,679,000
cash and cash equivalents - restricted	19,737	19,662	20,991	19,862	16,744	21,473	23,157	21,867	18,078	17,210	30,570	28,341	25,270	27,733	108,550	165,698	135,314	123,686	139,067	128,669	181,159	178,368	208,015	211,106	169,447	176,332	157,786	135,577	101,903	122,507	131,376	118,734	83,033	100,665	116,594	106,208	70,166	109,538	122,025	104,110	69,649	42,781	61,040	91,972	51,085	55,543	71,917	115,319																																					509,782,000		606,832,000
receivables, less allowance for credit losses of 53,638 and 55,775	297,636
prepaid expenses and other current assets	104,102	120,442	102,692	95,788	104,450	114,658	102,657	95,208	105,873	88,793	71,814	76,273	86,736	108,405	77,906	72,460	89,025	126,784	69,714	105,562	196,145	134,336	93,538	80,519	120,229	105,058	105,123	146,667	134,820	87,665	85,279	68,951	149,349	85,204	74,776	65,725	85,599	73,555	74,929	67,138	101,169	80,458	80,993	70,283	260,802	285,463	264,666	198,267	345,231	225,660	356,662	390,087	331,046	318,262	314,702	218,054	281,326	259,214	401,106	324,014	325,932	292,655	344,922	361,186	396,027	351,947	425,042	387,675	438,872	443,934	258,666	219,562	224,834	208,564	202,309	574,538	522,675	499,356	561,484	464,005	473,831	444,498	425,400,000	432,335,000	390,925,000	371,209,000	611,561,000	638,496,000	472,087,000
total current assets	1,288,483	841,778	564,238	1,162,548	1,246,538	777,353	611,603	1,239,476	1,265,352	898,885	631,840	1,187,486	1,302,815	775,855	724,438	1,384,458	1,868,036	1,239,604	1,495,748	1,699,724	1,220,642	592,913	2,997,345	3,086,736	1,301,962	601,412	946,705	1,993,359	1,234,652	891,002	1,282,123	1,891,713	1,284,141	444,616	833,940	1,346,039	1,202,834	703,474	608,373	1,222,298	1,220,659	726,708	2,111,359	2,951,301	2,778,319	1,457,381	2,292,161	3,114,006	1,504,711	1,195,654	1,704,932	2,462,343	1,736,549	1,417,599	2,500,994	1,685,404	1,667,825	2,477,731	3,274,061	1,735,566	1,838,480	2,649,036	4,724,742	2,300,986	1,828,146	2,571,080	4,413,089	2,659,549	1,801,291	2,381,580	8,131,347	3,981,033	2,888,591	3,454,292	5,507,279	2,768,573	2,388,701	2,823,947	4,832,752	2,705,919	2,590,413		3,621,186,000	2,483,040,000	2,205,221,000		3,698,170,000
property and equipment, at cost, less accumulated depreciation and amortization of 880,616 and 828,744	147,694
operating lease right of use assets	522,885	488,082	499,910		417,197	389,629	426,990		392,091	385,288	412,415		372,175	382,723	412,823		390,758	396,522	410,724
intangible assets	275,966	271,054	254,136	259,412	270,007	270,601	256,053	264,102	277,218	275,230	267,512	277,043	293,447	304,539	303,483	309,644	322,836	334,557	337,451	360,148	381,264	390,371	400,025	414,976	433,074	425,377	419,391	342,493	356,952	364,524	354,831	373,981	390,993	406,440	393,972	409,364	434,720	433,135	419,909	433,885	473,732	466,224	417,009	432,142	443,329	414,045	347,890	355,622	318,719	296,213	280,455	284,439	271,523	260,125	264,451	262,106	360,035	367,919	375,644	373,324	373,556	367,432	371,951	378,112	379,622	385,998	394,106	136,542	142,533	147,368	154,163	161,199	173,799	181,413	184,290	196,444	205,101	219,494	235,236	247,849	232,242	247,092	295,260,000	299,851,000	312,506,000	325,829,000	340,748,000	350,188,000	330,749,000
goodwill	815,620	815,618	797,739	802,053	785,936	783,286	792,195	785,226	787,634	789,068	770,820	775,453	769,557	764,802	746,711	760,401	764,428	759,183	749,409	757,659	745,616	727,483	724,288	712,138	838,830	815,331	821,278	519,937	520,005	507,191	507,941	507,871	504,789	493,059	493,991	491,207	483,320	477,360	470,942	470,757	443,418	442,068	454,394	441,831	442,961	464,182	478,845	436,117	437,386	442,812	435,667	434,782	435,256	431,101	427,566	438,403	742,611	846,245	849,028	867,417	875,797	840,447	843,054	856,880	852,018	850,230	848,443	832,294	1,006,207	1,005,268	1,010,721	1,007,695	1,006,278	993,919	982,598	1,134,576	1,104,273	1,100,452	1,104,267	1,087,587	1,018,632	1,015,947	975,850,000	964,548,000	960,275,000	959,418,000	948,530,000	830,053,000	723,617,000
deferred tax assets and income taxes receivable	270,090	300,074	300,251	317,691	308,989	281,694	261,384	271,658	287,810	239,300	248,642	211,391	226,527	181,721	193,761	208,948	236,792	179,626	178,946	182,848	179,598	172,842	153,274	151,195	134,901	145,807	142,416	141,979	141,366	130,987	131,683	34,095	25,305	9,205	54,348	83,728	71,639				29,411	145,912	160,390	174,267
other noncurrent assets	70,980	63,850	67,425	65,911	69,888	65,924	66,209	65,043	63,675	51,371	48,156	52,571	57,254	46,760	50,082	54,012	65,241	50,104	54,743	67,531	59,233	62,351	61,479	67,847	82,317	86,629	94,384	90,085	95,326	97,820	101,457	101,401	106,161	101,015	102,742	99,943	102,760	93,394	97,331	114,762	120,042	124,360	111,101	125,960
total assets	3,391,718	2,930,010	2,621,322	3,263,898	3,245,011	2,712,320	2,549,967	3,218,810	3,213,322	2,776,295	2,511,052	3,072,258	3,157,907	2,593,224	2,559,232	3,269,158	3,781,127	3,100,055	3,368,027	3,653,646	3,168,363	2,556,429	4,997,436	5,112,047	3,452,430	2,756,741	3,110,000	3,299,945	2,568,806	2,233,296	2,605,038	3,140,949	2,561,300	1,716,561	2,132,248	2,694,108	2,577,631	2,082,178	2,163,542	2,857,775	2,874,046	2,289,897	3,632,691	4,515,420	4,378,941	3,091,290	3,890,819	4,693,529	3,515,287	3,274,513	3,762,888	4,537,779	3,932,496	3,594,277	4,649,567	3,976,513	4,308,052	5,207,961	5,802,735	4,307,782	4,424,164	5,234,318	7,410,129	4,967,359	4,545,762	5,359,722	7,301,892	5,424,747	4,903,482	5,623,425	11,575,211	7,106,771	6,868,070	7,499,493	9,359,978	6,206,891	5,636,268	5,989,135	7,672,341	5,297,179	5,017,181		6,141,121,000	4,896,858,000	4,614,762,000		5,788,187,000
liabilities and stockholders' equity
liabilities:
accounts payable and accrued expenses	303,595	145,801	145,574	144,046	243,754	136,893	161,620	155,830	247,109	143,339	149,892	159,901	236,388	137,118	168,496	160,929	225,708	155,841	156,605	198,084	160,880	108,805	128,690	203,103	156,766	111,439	122,156	249,525	202,101	114,393	145,471	251,975	163,653	114,875	161,751	217,028	239,085	139,808	157,085	259,586	205,981	141,070	116,855	231,322
accrued salaries, wages and payroll taxes	299,695	74,262	62,231	107,375	269,849	64,993	58,294	105,548	238,864	65,774	51,986	95,154	208,560	68,089	56,162	154,764	227,075	62,524	54,816	270,982	118,517	62,122	69,346	116,375	117,459	57,602	48,166	196,527	140,902	43,396	37,468	141,499	135,626	42,897	35,063	183,856	123,457	40,754	43,516	161,786	123,289	37,512	33,447	144,744	118,512	36,215	30,996	167,032	108,583	41,584	32,926	134,970	103,538	35,234	163,992	46,588	83,257	257,038	153,613	81,163	76,918	199,496	182,151	83,321	101,410	259,698	206,959	100,027	142,690	393,148	280,824	123,424	131,274	307,854	249,243	146,589	146,346	330,946	291,811	170,056	161,661	318,644	230,251,000	115,249,000	108,514,000	268,747,000	170,043,000	83,202,000	74,869,000
accrued income taxes and reserves for uncertain tax positions	262,533	44,897	156,449	296,244	346,733	149,255	205,470	318,830	351,721	151,332	205,919	271,800	284,124	73,572	188,118	280,115	337,363	78,921	155,137	287,404	17,088	8,662	156,557	209,816	36,242	106,125	182,928	271,973	49,009	94,257	178,313	263,050	164,246	43,879	176,909	348,199	7,537	68,832	216,390		8,099
current portion of long-term debt				349,893	349,787	349,611											499,395	499,395						649,384	649,022	648,651					1,038	1,026	1,015	1,004	992	981	942	903	864	826	817	808	799	790	781	772	400,705	400,637	400,570	400,503	730	722	713	600,642	631,434	30,735	30,940	3,437	3,583	3,407	3,577	3,688	2,576	3,667	6,093	8,782	9,030	6,257	108,839	111,286	8,332	11,480	9,371	9,304	512,333	509,021	515,305	506,992	13,373	16,946	25,854	25,545	25,575,000	277,546,000	275,970,000	275,669,000	277,599,000	25,385,000	55,218,000
operating lease liabilities	209,269	200,653	205,152	209,203	173,902	170,726	189,432	206,070	185,396	185,424	195,685	205,391	179,415	184,343	197,491	206,898	187,263	189,984	201,179	206,393	186,209	191,114	209,556	195,537	187,890	162,897	186,355
deferred revenue and other current liabilities	219,321	189,216	170,145	191,849	205,778	187,885	181,069	191,050	220,466	199,718	189,304	206,536	207,095	182,711	179,956	196,107	216,073	184,775	185,232	200,216	208,789	181,900	201,809	201,401	190,242	177,243	193,364	204,976	195,634	183,675	201,706	186,101	201,988	190,522	187,791	189,216	183,616	184,560	191,304	243,653	250,846	319,426	316,880	322,508
total current liabilities	1,294,413	654,829	739,551	1,298,610	1,589,803	1,059,363	795,885	977,328	1,243,556	745,587	792,786	938,782	1,115,582	645,833	790,223	998,813	1,692,877	1,171,440	752,969	1,163,079	691,483	552,603	765,958	1,575,616	1,337,621	1,263,957	732,969	923,001	587,646	435,721	563,996	843,651	666,528	393,177	562,506	939,280	554,637	434,857	609,159	1,039,605	589,032	566,548	1,190,254	1,878,289	2,471,104	1,075,677	1,683,919	2,313,116	2,054,520	1,546,685	1,450,484	2,012,205	2,063,194	1,977,397	2,526,428	1,781,588	1,603,234	2,214,675	3,462,629	1,916,692	1,939,279	2,321,491	4,979,902	2,382,867	1,823,126	2,398,280	4,004,728	2,441,079	2,551,054	3,096,376	7,670,603	3,876,151	4,710,363	5,176,352	7,070,259	3,816,471	2,934,581	2,893,436	4,750,262	2,376,627	1,903,013		3,402,355,000	2,281,714,000	2,151,126,000		3,456,591,000
long-term debt	1,490,933			1,143,305			1,491,621	1,491,095	1,490,570		1,489,514	1,488,974	1,488,457		1,487,407	1,486,876	1,486,530	1,760,830	1,984,512								1,493,289	1,492,629		1,491,328	1,495,006	1,494,609			1,493,422	1,493,017			1,491,790	1,501,925	2,626,933	1,501,938	505,197	505,298	505,460	505,588	505,714	505,837	505,959	506,078	905,902	905,958	906,012	408,992	409,115	1,009,196	1,019,431	1,049,754	1,049,358	1,041,103	1,040,649	1,035,144	1,032,800	1,032,562	1,032,395	1,032,122	2,002,647	1,727,510	1,034,117	1,031,784	2,917,411	2,144,012	519,803	519,807	416,183	411,705	411,734	417,539	916,926	917,884	923,145	923,073	928,529,000	931,781,000	546,196,000	545,811,000	551,406,000	807,738,000	822,505,000
deferred tax liabilities and reserves for uncertain tax positions	187,707	298,986	310,722	306,134	337,634	292,643	296,370	291,063	277,957	235,303	265,621	264,567	256,119	231,041	229,340	226,362	218,461	249,751	303,476	279,351	302,120	353,751	185,687	182,441	172,954	180,362	199,714	197,906	214,217	235,799	231,292	229,430	201,384				109,557	117,553	116,709	132,960	88,377	140,539	137,603	142,586
deferred revenue and other noncurrent liabilities	117,476	64,891	80,997	104,106	114,892	72,188	87,094	103,357	116,055	69,279	83,650	107,328	135,055	86,483	94,333	116,656	127,537	74,863	90,358	126,150	94,383	102,636	117,078	124,510	90,346	81,179	100,406	144,882	103,545	101,773	122,735	179,548	107,226	104,305	131,415	163,609	121,631	120,033	145,691	160,182	106,438	108,115	130,210	156,298
total liabilities	3,416,090	3,753,088	3,172,232	3,175,002	3,437,849	3,584,780	2,918,032	3,128,216	3,343,128	3,548,947	2,855,936	3,040,194	3,194,299	3,236,703	2,824,217	3,057,527	3,736,271	3,472,710	3,352,499	3,301,245	3,702,943	2,836,395	4,862,159	5,041,006	3,770,809	2,832,488	2,819,196	2,758,418	2,782,397	2,264,621	2,413,029	2,747,238	3,259,369	2,129,334	2,346,576	2,754,991	3,378,447	2,639,649	2,363,349	2,834,672	3,410,780	2,317,140	1,963,264	2,682,471	3,232,556	1,852,614	2,493,619	3,136,980	2,828,528	2,319,538	2,657,573	3,274,232	3,297,608	2,748,604	3,323,675	3,113,691	3,074,175	3,758,387	4,975,052	3,427,977	3,399,017	3,793,688	6,473,662	3,896,262	3,355,048	3,953,863	6,461,887	4,592,085	4,066,760	4,635,607	11,111,279	6,562,491	5,786,708	6,084,994	7,829,804	4,578,262	3,824,699	3,841,336	6,084,388	3,722,906	3,194,186		4,692,471,000	3,582,191,000	3,099,656,000		4,311,621,000
commitments and contingencies
stockholders' equity:
common stock	1,565	1,565	1,565	1,644	1,644	1,644	1,676	1,709	1,709	1,709	1,757	1,789	1,854	1,854	1,887	1,936	1,936	2,033	2,099	2,167	2,187	2,187	2,282	2,282	2,282	2,310	2,367	2,383	2,415	2,420	2,420	2,462	2,462	2,462	2,462	2,462	2,462	2,506	2,582	2,602	2,641	2,761	3,166	3,166	3,166	3,166	3,166	3,166	3,166	3,166	3,166	3,166	3,166	3,166	3,979	3,994	4,124	4,124	4,124	4,124	4,159	4,314	4,374	4,442	4,442	4,442	4,442	4,442	4,359	4,359	4,359	4,359	4,359	4,359	4,359	4,359	4,359	4,359	4,359	4,359	4,359		2,179,000	2,179,000	2,179,000		2,179,000	2,179,000	2,179,000
additional paid-in capital	776,872	768,531	757,981	766,998	758,821	752,093	744,076	762,583	753,605	746,734	740,434	770,376	775,269	767,683	759,629	772,182	767,869	770,661	770,683	783,292	778,495	773,691	772,782	775,387	769,990	765,220	759,449	767,636	764,982	759,235	752,109	760,250	758,361	753,423	746,761	754,912	752,748	751,229	748,924	758,230	758,491	757,816	773,783	783,793	778,845	772,662	766,014	766,654	762,102	757,828	753,209	752,483	747,398	744,616	796,784	799,270	808,668	812,666	809,733	810,403	811,012	832,604	826,503	827,423	824,212	836,477	835,329	837,912	686,802	695,959	685,013	678,407	671,647	676,766	662,297	658,920	649,451	653,053	631,729	612,207	601,348	600,568	581,748,000	558,770,000	543,897,000	545,065,000	530,282,000	510,951,000	499,401,000
accumulated other comprehensive loss	-55,346	-51,338	-57,063	-47,755	-71,317	-71,762	-42,728	-48,845	-46,336	-36,454	-48,013	-37,099	-44,281	-44,683	-53,990						-11,693	-31,707
retained earnings	-110,471	-904,840	-609,299	12,061	-236,909	-908,785	-424,548	12,654				-48,677	-109,384	-708,437	-311,671	120,405	-56,790	-466,856	-74,757	248,506	-616,518	-335,617	82,933	42,965			250,740	499,386			163,567	362,980								40,347		3,573	1,679,234	1,836,442	1,158,376	1,250,465	1,418,124	1,589,297	734,233	1,003,842	1,163,651	1,333,445	723,676	955,873	2,523,997	2,080,162	2,437,011	2,658,103	2,045,447	2,104,050	2,255,262	2,658,586	2,162,406	2,308,153	2,437,017	2,671,437	2,015,650	2,019,301	2,204,940	2,384,449	1,887,466	1,981,378	2,530,207	2,886,440	3,015,880	3,119,997	3,320,197	3,492,059	2,945,887	2,996,805	3,123,924	3,188,785	2,670,356,000	2,615,089,000	2,703,649,000	2,781,368,000	2,240,592,000	2,169,317,000	2,200,088,000
less treasury shares, at cost, of 29,746,662 and 30,420,033	-636,992
total stockholders' equity	-24,372	-823,078	-550,910	88,896	-192,838	-872,460	-368,065	90,594	-129,806	-772,652	-344,884	32,064	-36,392	-643,479	-264,985	211,631	44,856	-372,655	15,528	352,401	-534,580	-279,966	135,277	71,041			290,804	541,527			192,009	393,711								23,103			1,669,427	1,832,949	1,146,385	1,238,676	1,397,200	1,556,549
total liabilities and stockholders' equity	3,391,718	2,930,010	2,621,322	3,263,898	3,245,011	2,712,320	2,549,967	3,218,810	3,213,322	2,776,295	2,511,052	3,072,258	3,157,907	2,593,224	2,559,232	3,269,158	3,781,127	3,100,055	3,368,027	3,653,646	3,168,363	2,556,429	4,997,436	5,112,047	3,452,430	2,756,741	3,110,000	3,299,945	2,568,806	2,233,296	2,605,038	3,140,949	2,561,300	1,716,561	2,132,248	2,694,108	2,577,631	2,082,178	2,163,542	2,857,775	2,874,046	2,289,897	3,632,691	4,515,420	4,378,941	3,091,290	3,890,819	4,693,529
receivables, less allowance for credit losses of 21,173 and 55,775		352,480
property and equipment, at cost, less accumulated depreciation and amortization of 864,506 and 828,744		149,554
long-term debt and line of credit borrowings		2,435,379	1,734,962		1,142,890	1,932,545				2,290,044				2,067,937						1,490,039	2,369,574	1,559,093	3,495,918	2,845,873	1,880,589	980,299			1,876,989				2,284,231	1,493,828			2,592,622	1,967,206
less treasury shares, at cost, of 29,747,783 and 30,420,033		-636,996
receivables, less allowance for credit losses of 54,249 and 55,775			64,145
property and equipment, at cost, less accumulated depreciation and amortization of 844,866 and 828,744			137,623
less treasury shares, at cost, of 30,085,317 and 30,420,033			-644,094
receivables, less allowance for credit losses of 55,775 and 61,182				63,621
property and equipment, at cost, less accumulated depreciation and amortization of 828,744 and 838,814				135,068
operating lease right of use asset				521,215				461,986				438,299				427,783				437,246	419,245	445,727	492,195	494,788	463,777	475,969	486,147
less treasury shares, at cost, of 30,420,033 and 31,324,609				-644,052
receivables, less allowance for credit losses of 49,315 and 61,182					352,398
property and equipment, at cost, less accumulated depreciation and amortization of 864,681 and 838,814					146,456
less treasury shares, at cost, of 30,487,639 and 31,324,609					-645,077
receivables, less allowance for credit losses of 20,025 and 61,182						321,171
property and equipment, at cost, less accumulated depreciation and amortization of 849,691 and 838,814						143,833
less treasury shares, at cost, of 30,522,962 and 31,324,609						-645,650
receivables, less allowance for credit losses of 57,978 and 61,182							69,929
property and equipment, at cost, less accumulated depreciation and amortization of 840,343 and 838,814							135,533
less treasury shares, at cost, of 30,572,921 and 31,324,609							-646,541
receivables, less allowance for credit losses of 61,182 and 55,502								69,075
property and equipment, at cost, less accumulated depreciation and amortization of 838,814 and 846,177								131,319
less treasury shares, at cost, of 31,324,609 and 32,785,658								-637,507
receivables, less allowance for credit losses of 56,180 and 55,502									346,784
property and equipment, at cost, less accumulated depreciation and amortization of 884,321 and 846,177									139,542
retained deficit									-200,296	-846,162	-393,621
less treasury shares, at cost, of 31,388,403 and 32,785,658									-638,488
receivables, less allowance for credit losses of 18,579 and 55,502										397,453
income taxes receivable										74,415	42,136	35,910	32,584	46,646	154,123	202,838	340,355	351,829	338,399	333,366									36,486	18,745	15,776	12,310	72,775				38,032
property and equipment, at cost, less accumulated depreciation and amortization of 872,950 and 846,177										137,153
less treasury shares, at cost, of 31,396,591 and 32,785,658										-638,479
receivables, less allowance for credit losses of 35,318 and 55,502											60,330
property and equipment, at cost, less accumulated depreciation and amortization of 857,922 and 846,177											131,667
less treasury shares, at cost, of 31,742,185 and 32,785,658											-645,441
receivables, less allowance for credit losses of 55,502 and 65,351												59,987
property and equipment, at cost, less accumulated depreciation and amortization of 846,177 and 857,468												130,015
less treasury shares, at cost, of 32,785,658 and 33,640,988												-654,325
receivables, less allowance for credit losses of 56,003 and 65,351													249,150
property and equipment, at cost, less accumulated depreciation and amortization of 892,820 and 857,468													136,132
less treasury shares, at cost, of 33,119,705 and 33,640,988													-659,850
receivables, less allowance for credit losses of 27,323 and 65,351														328,616
property and equipment, at cost, less accumulated depreciation and amortization of 881,230 and 857,468														136,824
less treasury shares, at cost, of 33,127,313 and 33,640,988														-659,896
receivables, less allowance for credit losses of 65,217 and 65,351															61,035
property and equipment, at cost, less accumulated depreciation and amortization of 867,402 and 857,468															127,934
less treasury shares, at cost, of 33,176,727 and 33,640,988															-660,840
receivables, less allowance for doubtful accounts of 65,351, 77,518 and 70,689																58,447
property and equipment, at cost, less accumulated depreciation and amortization of 857,468, 842,861 and 832,885																123,912
accumulated other comprehensive income																-21,645	-3,838	-9,433	-11,089	4,786																								1,740		6,577	5,483	5,177		1,463		10,550	9,055	7,350	12,145	4,359	12,692	11,233	7,162	2,757	-2,648	1,678	1,086	66	-2,849	-11,639	-16,614	-11,236	833	2,486	-348	1,131	2,528	-1,320	6,975	21,593	20,255	21,948	33,641	44,463	63,731	68,718	97,625,000	99,589,000	81,466,000	57,953,000	56,591,000	62,628,000	62,713,000
less treasury shares, at cost, of 33,640,988, 34,842,125 and 35,189,707																-661,247
receivables, less allowance for credit losses of 61,512 and 77,518																	261,602
property and equipment, at cost, less accumulated depreciation and amortization of 881,841 and 842,861																	133,036
less treasury shares, at cost, of 33,978,937 and 34,842,125																	-664,321
receivables, less allowance for credit losses of 25,377 and 77,518																		301,055
property and equipment, at cost, less accumulated depreciation and amortization of 865,593 and 842,861																		140,459
less treasury shares, at cost, of 34,221,633 and 34,842,125																		-669,060
receivables, less allowance for credit losses of 74,000 and 77,518																			56,829
property and equipment, at cost, less accumulated depreciation and amortization of 857,096 and 842,861																			141,006
less treasury shares, at cost, of 34,342,194 and 34,842,125																			-671,408
receivables, less allowance for doubtful accounts of 70,689 and 64,648																				197,876
property and equipment, at cost, less accumulated depreciation and amortization of 832,885 and 796,192																				148,490
less treasury shares, at cost, of 35,189,707 and 35,731,376																				-686,350
receivables, less allowance for credit losses of 34,493, 45,254 and 64,648																					563,089
property and equipment, at cost, less accumulated depreciation and amortization of 851,731, 803,272 and 796,192																					162,765
less treasury shares, at cost, of 35,225,825, 35,732,666 and 35,731,376																					-687,051
receivables, less allowance for credit losses of 66,808, 65,815 and 64,648																						71,253
property and equipment, at cost, less accumulated depreciation and amortization of 832,080, 784,535 and 796,192																						164,742
less treasury shares, at cost, of 35,301,097, 35,778,404 and 35,731,376																						-688,520
receivables, less allowance for credit losses of 67,636, 66,652 and 64,648																							97,222
property and equipment, at cost, less accumulated depreciation and amortization of 817,280, 764,891 and 796,192																							168,830
less treasury shares, at cost, of 35,308,213, 35,785,391 and 35,731,376
receivables, less allowance for doubtful accounts of 64,648 and 67,228																								133,197
property and equipment, at cost, less accumulated depreciation and amortization of 796,192 and 745,761																								184,367
less treasury shares, at cost, of 35,731,376 and 36,377,441
receivables, less allowance for doubtful accounts of 45,254, 44,033 and 67,228																									819,946
property and equipment, at cost, less accumulated depreciation and amortization of 803,272, 800,834 and 745,761																									197,569
less treasury shares, at cost, of 35,732,666, 36,460,305 and 36,377,441
receivables, less allowance for doubtful accounts of 65,815, 65,409 and 67,228																										74,710
property and equipment, at cost, less accumulated depreciation and amortization of 784,535, 787,978 and 745,761																										206,216
less treasury shares, at cost, of 35,778,404, 36,499,002 and 36,377,441
receivables, less allowance for doubtful accounts of 66,652, 65,445 and 67,228																											76,128
property and equipment, at cost, less accumulated depreciation and amortization of 764,891, 768,302 and 745,761																											199,679
less treasury shares, at cost, of 35,785,391, 36,517,685 and 36,377,441
receivables, less allowance for doubtful accounts of 67,228 and 81,813																												138,965
property and equipment, at cost, less accumulated depreciation and amortization of 745,761 and 745,397																												212,092
less treasury shares, at cost, of 36,377,441 and 36,944,789
receivables, less allowance for doubtful accounts of 44,033, 45,215 and 81,813																													758,217
property and equipment, at cost, less accumulated depreciation and amortization of 800,834, 757,809 and 745,397																													220,505
less treasury shares, at cost, of 36,460,305, 37,079,700 and 36,944,789
receivables, less allowance for doubtful accounts of 65,409, 55,265 and 81,813																														61,286
property and equipment, at cost, less accumulated depreciation and amortization of 787,978, 728,811 and 745,397																														241,772
less treasury shares, at cost, of 36,499,002, 37,130,454 and 36,944,789
receivables, less allowance for doubtful accounts of 65,445, 54,924 and 81,813																															70,576
property and equipment, at cost, less accumulated depreciation and amortization of 768,302, 706,687 and 745,397																															227,003
less treasury shares, at cost, of 36,517,685, 37,141,486 and 36,944,789
receivables, less allowance for doubtful accounts of 81,813 and 55,296																																146,774
property and equipment, at cost, less accumulated depreciation and amortization of 745,397 and 678,161																																231,888
less treasury shares, at cost, of 36,944,789 and 39,027,573
receivables, less allowance for doubtful accounts of 45,215, 47,731 and 55,296																																	791,618
property and equipment, at cost, less accumulated depreciation and amortization of 757,809, 673,594 and 678,161																																	249,911
less treasury shares, at cost, of 37,079,700, 39,032,420 and 39,027,573
receivables, less allowance for doubtful accounts of 55,265, 56,062 and 55,296																																		77,750
mortgage loans held for sale, net of allowance for loan losses of 5,484																																						183,107
property and equipment, at cost, less accumulated depreciation and amortization of 728,811, 647,689 and 678,161																																		262,226
reserves for uncertain tax positions																																		138,024	159,233	159,085
less treasury shares, at cost, of 37,130,454, 39,085,220 and 39,027,573
receivables, less allowance for doubtful accounts of 54,924, 56,381 and 55,296																																			91,004
mortgage loans held for investment, less allowance for loan losses of - , 5,310 and -
property and equipment, at cost, less accumulated depreciation and amortization of 706,687, 622,937 and 678,161																																			253,255
less treasury shares, at cost, of 37,141,486, 39,087,239 and 39,027,573
receivables, less allowance for doubtful accounts of 55,296 and 57,011																																				162,775
mortgage loans held for investment, less allowance for loan losses of 5,518
property and equipment, at cost, less accumulated depreciation and amortization of 678,161 and 601,120																																				263,827
less treasury shares, at cost, of 39,027,573 and 39,701,409
receivables, less allowance for doubtful accounts of 47,731, 47,234 and 57,011																																					787,865
mortgage loans held for investment, less allowance for loan losses of - , 6,931 and 5,518
property and equipment, at cost, less accumulated depreciation and amortization of 673,594, 585,419 and 601,120																																					282,358
less treasury shares, at cost, of 39,032,420, 39,712,709 and 39,701,409
receivables, less allowance for doubtful accounts of 56,062, 53,340 and 57,011																																						104,764
mortgage loans held for investment, less allowance for loan losses of - , 7,412 and 5,518
property and equipment, at cost, less accumulated depreciation and amortization of 647,689, 563,158 and 601,120																																						293,060
less treasury shares, at cost, of 39,085,220, 40,138,877 and 39,701,409
receivables, less allowance for doubtful accounts of 56,381, 53,771 and 57,011																																							103,425
investments in available-for-sale securities																																							1,123	1,133	1,145	2,116	406,360	439,625	367,845	381,180	403,774	423,495	443,770	465,344	487,033	486,876	396,312	380,765	371,315	306,310
mortgage loans held for investment, less allowance for loan losses of 5,310, 7,659 and 5,518																																							192,375
property and equipment, at cost, less accumulated depreciation and amortization of 622,937, 538,823 and 601,120																																							284,114
customer banking deposits																																											476,732	744,241	1,286,216	454,860	482,975	769,785	806,887	655,129	757,929	936,464	1,036,968	648,378	827,549	723,318	666,268	852,220	1,855,195	929,898	731,413	852,555	2,220,501	1,493,726	712,008	854,888	2,115,708	748,469	777,080	785,624	1,958,490	886,533	1,039,238	1,129,263	1,632,875	595,769	404,030
less treasury shares, at cost, of 39,087,239, 40,312,382 and 39,701,409
receivables, less allowance for doubtful accounts of 57,011, and 54,527																																								153,116
mortgage loans held for investment, less allowance for loan losses of 5,518 and 7,886																																								202,385
property and equipment, at cost, less accumulated depreciation and amortization of 601,120 and 518,797																																								293,565
accrued income taxes																																								373,754		67,732	245,541	434,684	1,619	147,000	284,038	406,655	23,375	22,475	215,834	416,128	17,348	278,539	336,374	135,858	275,639	458,910	95,990	151,708	315,090	459,175	118,079	169,004	330,145	543,967	143,791	100,857	263,784	439,380	78,547	22,647	113,739	394,915	71,079	172,834	259,509	505,690	214,559	204,725	346,568	349,298	78,796,000	88,784,000	238,232,000	405,667,000	73,419,000	130,614,000	232,443,000
less treasury shares, at cost, of 39,701,409 and 41,353,479
receivables, less allowance for doubtful accounts of 47,234, 49,859 and 54,527																																									829,774
mortgage loans held for investment, less allowance for loan losses of 6,931, 9,375 and 7,886																																									212,106
property and equipment, at cost, less accumulated depreciation and amortization of 585,419, 509,039 and 518,797																																									290,202
commercial paper borrowings																																													591,486				194,984				424,967			39,990			632,566	39,517
less treasury shares, at cost, of 39,712,709, 41,384,132 and 41,353,479
receivables, less allowance for doubtful accounts of 53,340, 51,746 and 54,527																																										94,760
mortgage loans held for investment, less allowance for loan losses of 7,412, 9,761 and 7,886																																										220,671
property and equipment, at cost, less accumulated depreciation and amortization of 563,158, 491,153 and 518,797																																										298,602
less treasury shares, at cost, of 40,138,877, 41,462,487 and 41,353,479
receivables, less allowance for doubtful accounts of 53,771, 51,400 and 54,527																																											103,194
mortgage loans held for investment, less allowance for loan losses of 7,659, 10,561 and 7,886																																											230,130
property and equipment, at cost less accumulated depreciation and amortization of 538,823, 468,372 and 518,797																																											297,321
less treasury shares, at cost																																																					-848,407	-865,332	-2,011,013	-2,024,963	-2,028,618	-2,036,552	-2,038,783	-2,041,529	-2,042,638	-2,056,552	-2,057,902	-2,068,987	-2,072,108	-2,094,858	-1,998,802	-2,017,757	-2,060,212	-2,099,435				-2,151,746				-2,023,620				-1,883,879				-1,489,556,000
receivables, less allowance for doubtful accounts of 54,527 and 52,578																																												167,964
mortgage loans held for investment, less allowance for loan losses of 7,886 and 11,272																																												239,338
property and equipment, at cost, less accumulated depreciation and amortization of 518,797 and 446,049																																												311,387
receivables, less allowance for doubtful accounts of 49,859, 42,716 and 52,578																																													777,453
mortgage loans held for investment, less allowance for loan losses of 9,375, 11,563 and 11,272																																													245,663
property and equipment, at cost less accumulated depreciation and amortization of 509,039, 469,733 and 446,049																																													308,805
other assets																																													151,981	176,591	193,371	210,116	213,987	267,426	258,536	262,670	444,804	463,935	426,055	576,283	775,698	723,738	469,735	466,368	446,600	436,528	467,055	409,044	418,856	439,226	480,795	606,943	704,044	742,170	846,861	490,613	484,081	410,089	386,986	413,993	398,149	374,375	367,091	335,695	279,756	287,543	388,513,000	369,542,000	371,104,000	391,709,000	176,544,000	171,511,000	155,825,000
accounts payable, accrued expenses and other current liabilities																																													472,490	436,830	485,205	569,007	520,121	426,994	443,065	523,921	479,660	414,604	567,079	581,069	522,130	618,070	671,682	660,999	762,281	756,577	756,501	608,149	648,470	705,945	734,755	636,050	665,973	782,280	525,882	400,738	398,864	519,372	496,084	651,156	703,730	768,505	782,744	639,812	497,215		503,623,000
other noncurrent liabilities																																													255,992	271,349	303,986	318,027	268,049	266,775	301,187	356,069	328,402	362,215	388,132	322,907	451,510	493,958	438,065	445,182	394,089	412,053	385,960	405,833	424,527	448,461	454,512	423,496	481,589	507,447	523,265	542,328	556,542	388,835	343,362	350,086	478,384	530,361				430,919	361,587,000	368,696,000		465,163,000	303,624,000	299,539,000
convertible preferred stock, no par, stated value 0.01 per share, 500,000 shares authorized
receivables, less allowance for doubtful accounts of 51,746, 52,969 and 52,578																																														107,705
mortgage loans held for investment, less allowance for loan losses of 9,761, 12,704 and 11,272																																														251,092
property and equipment, at cost less accumulated depreciation and amortization of 491,153, 449,738 and 446,049																																														318,225
receivables, less allowance for doubtful accounts of 51,400, 52,606 and 52,578																																															122,315
mortgage loans held for investment, less allowance for loan losses of 10,561, 15,514 and 11,272																																															259,732
property and equipment, at cost less accumulated depreciation and amortization of 468,372, 432,681 and 446,049																																															314,531
receivables, less allowance for doubtful accounts of 52,578 and 50,399																																																191,618
mortgage loans held for investment, less allowance for loan losses of 11,272 and 14,314																																																268,428
property and equipment, at cost less accumulated depreciation and amortization of 446,049 and 420,318																																																304,911
cash and cash equivalents — restricted																																																	44,855	47,521	55,477	117,837			48,100			48,383				34,350				51,656							287,789		432,524	416,855			430,713	464,480	416,981							571,163,000	528,300,000
receivables, less allowance for doubtful accounts of 42,716, 44,829 and 50,399																																																	677,221
mortgage loans held for investment, less allowance for loan losses of 11,563, 17,256 and 14,314																																																	282,149
property and equipment, at cost less accumulated depreciation and amortization of 469,733, 510,052 and 420,318																																																	314,565
liabilities and stockholders’ equity
stockholders’ equity:
total stockholders’ equity																																																	686,759	954,975	1,105,315	1,263,547	634,888	845,673	1,325,892	862,822	1,233,877	1,449,574	827,683	879,805	1,025,147	1,440,630	936,467	1,071,097	1,190,714	1,405,859	840,005	832,662	836,722	987,818	463,932	544,280	1,081,362	1,414,499	1,530,174	1,628,629	1,811,569	2,147,799	1,587,953	1,574,273	1,822,995		1,448,650,000	1,314,667,000	1,515,106,000		1,476,566,000
total liabilities and stockholders’ equity																																																	3,515,287	3,274,513	3,762,888	4,537,779	3,932,496	3,594,277	4,649,567	3,976,513	4,308,052	5,207,961	5,802,735	4,307,782	4,424,164	5,234,318	7,410,129	4,967,359	4,545,762	5,359,722	7,301,892	5,424,747	4,903,482	5,623,425	11,575,211	7,106,771	6,868,070	7,499,493	9,359,978	6,206,891	5,636,268	5,989,135	7,672,341	5,297,179	5,017,181		6,141,121,000	4,896,858,000	4,614,762,000		5,788,187,000
receivables, less allowance for doubtful accounts of 52,969, 42,761 and 50,399																																																		131,701
mortgage loans held for investment, less allowance for loan losses of 12,704, 18,125 and 14,314																																																		295,907
property and equipment, at cost less accumulated depreciation and amortization of 449,738, 492,670 and 420,318																																																		311,157
receivables, less allowance for doubtful accounts of 52,606, 43,477 and 50,399																																																			121,309
mortgage loans held for sale																																																			7,608																									432,064	245,006	236,399
mortgage loans held for investment, less allowance for loan losses of 15,514, 22,185 and 14,314																																																			309,681
property and equipment, at cost less accumulated depreciation and amortization of 432,681, 542,144 and 420,318																																																			286,584
receivables, less allowance for doubtful accounts of 50,399 and 44,589																																																				206,835
mortgage loans held for investment, less allowance for loan losses of 14,314 and 26,540																																																				338,789
property and equipment, at cost less accumulated depreciation and amortization of 420,318 and 529,841																																																				267,880
cash and cash equivalents – restricted																																																					37,958	43,109		37,524	44,402		36,113	35,473	37,009		85,313	46,072	46,639		75,893	814	221,338	219,031	326,289	237,176		332,646			345,729	394,069				516,909	535,318,000	496,798,000		545,428,000
receivables, less allowance for doubtful accounts of 44,829 and 44,589																																																					949,160
mortgage loans held for investment, less allowance for loan losses of 17,256 and 26,540																																																					357,887
property and equipment, at cost, less accumulated depreciation and amortization of 581,246 and 622,313																																																					290,165
receivables, less allowance for doubtful accounts of 43,477 and 44,589																																																						116,357
mortgage loans held for investment, less allowance for loan losses of 22,185 and 26,540																																																						386,759
property and equipment, at cost, less accumulated depreciation and amortization of 636,384 and 622,313																																																						253,993
receivables, less allowance for doubtful accounts of 44,589 and 47,943																																																							193,858
assets of discontinued operations, held for sale																																																								729,153												1,039,683			3,010,999	2,236,021
mortgage loans held for investment, less allowance for loan losses of 26,540 and 92,087																																																							406,201
property and equipment, at cost less accumulated depreciation and amortization of 622,313 and 578,655																																																							252,985
federal home loan bank borrowings																																																								25,000	25,000	25,000	50,000	50,000	50,000			25,000	25,000	25,000	104,000	104,000
liabilities of discontinued operations, held for sale																																																								199,030												745,419			2,513,311	1,363,207
receivables, less allowance for doubtful accounts of 48,412 and 47,943																																																								128,062
mortgage loans held for investment, less allowance for loan losses of 91,379 and 92,087																																																								450,137
property and equipment, at cost, less accumulated depreciation and amortization of 609,439 and 578,655																																																								257,870
receivables, less allowance for doubtful accounts of 67,582 and 67,466																																																									329,388
mortgage loans held for investment, less allowance for loan losses of 91,303 and 92,087																																																									466,663
property and equipment, at cost, less accumulated depreciation and amortization of 694,321 and 677,220																																																									295,220
receivables, less allowance for doubtful accounts of 67,466 and 112,475																																																										492,290
mortgage loans held for investment, less allowance for loan losses of 92,087 and 93,535																																																										485,008
property and equipment, at cost less accumulated depreciation and amortization of 677,220 and 657,008																																																										307,320
receivables, less allowance for doubtful accounts of 125,561 and 112,475																																																											1,371,152
mortgage loans held for investment, less allowance for loan losses of 87,876 and 93,535																																																											513,192
property and equipment, at cost, less accumulated depreciation and amortization of 700,649 and 657,008																																																											321,075
receivables, less allowance for doubtful accounts of 115,505 and 112,475																																																												416,333
mortgage loans held for investment, less allowance for loan losses of 87,567 and 93,535																																																												537,226
property and equipment, at cost, less accumulated depreciation and amortization of 683,537 and 657,008																																																												327,881
receivables, less allowance for doubtful accounts of 112,374 and 112,475																																																													376,929
mortgage loans held for investment, less allowance for loan losses of 88,396 and 93,535																																																													563,090
property and equipment, at cost, less accumulated depreciation and amortization of 673,137 and 657,008																																																													326,641
receivables, less allowance for doubtful accounts of 112,475 and 128,541																																																														517,986
mortgage loans held for investment, less allowance for loan losses of 93,535 and 84,073																																																														595,405
property and equipment, at cost less accumulated depreciation and amortization of 657,008 and 625,075																																																														345,470
current federal home loan bank borrowings																																																														50,000	25,000
long-term federal home loan bank borrowings																																																														25,000	75,000
receivables, less allowance for doubtful accounts of 86,853 and 128,541																																																															2,566,830
mortgage loans held for investment, less allowance for loan losses of 97,269 and 84,073																																																															641,157
property and equipment, at cost, less accumulated depreciation and amortization of 653,866 and 625,075																																																															362,170
short-term borrowings																																																															1,675,094				690,485				1,711,485								2,595,948
receivables, less allowance for doubtful accounts of 131,438 and 128,541																																																																461,485
mortgage loans held for investment, less allowance for loan losses of 95,993 and 84,073																																																																671,049
property and equipment, at cost, less accumulated depreciation and amortization of 640,595 and 625,075																																																																351,288
receivables, less allowance for doubtful accounts of 129,433 and 128,541																																																																	379,177
mortgage loans held for investment, less allowance for loan losses of 91,691 and 84,073																																																																	707,712
property and equipment, at cost, less accumulated depreciation and amortization of 643,978 and 625,075																																																																	359,408
receivables, less allowance for doubtful accounts of 128,541 and 120,155																																																																		512,814
mortgage loans held for investment, less allowance for loan losses of 84,073 and 45,401																																																																		744,899
property and equipment, at cost less accumulated depreciation and amortization of 625,075 and 620,460																																																																		368,289
receivables, less allowance for doubtful accounts of 85,327 and 120,155																																																																			2,642,951
mortgage loans held for investment, less allowance for loan losses of 75,615 and 45,401																																																																			781,755
property and equipment, at cost, less accumulated depreciation and amortization of 642,220 and 620,460																																																																			383,704
receivables, less allowance for doubtful accounts of 118,198 and 120,155																																																																				537,751
mortgage loans held for investment, less allowance for loan losses of 63,652 and 45,401																																																																				811,732
property and equipment, at cost, less accumulated depreciation and amortization of 626,896 and 620,460																																																																				377,687
receivables from customers, brokers, dealers and clearing organizations, less allowance for doubtful accounts of 2,077 and 2,119																																																																					401,859
receivables, less allowance for doubtful accounts of 123,685 and 123,849																																																																					383,224
mortgage loans held for investment, less allowance for loan losses of 46,853 and 45,401																																																																					868,603
property and equipment, at cost, less accumulated depreciation and amortization of 677,357 and 670,008																																																																					380,804
accounts payable to customers, brokers and dealers																																																																					592,688	559,658	593,732	568,122	615,858	633,189	684,475	700,673	716,305	781,303	851,827	846,913	871,715	950,684	1,035,228,000	1,000,083,000	1,022,542,000	1,065,793,000	1,126,103,000	999,009,000	947,016,000
receivables from customers, brokers, dealers and clearing organizations, less allowance for doubtful accounts of 2,119 and 2,292																																																																						438,899
receivables, less allowance for doubtful accounts of 123,849 and 99,259																																																																						552,871
current assets of discontinued operations, held for sale																																																																									1,110,427	1,024,467	988,060
mortgage loans held for investment, less allowance for loan losses of 45,401 and 3,448																																																																						966,301
property and equipment, at cost less accumulated depreciation and amortization of 670,008 and 647,151																																																																						380,738
noncurrent assets of discontinued operations, held for sale																																																																									701,805	722,492	836,493
commercial paper and other short-term borrowings																																																																						25,000		500,000	1,651,237	1,567,082	2,926,421
current liabilities of discontinued operations, held for sale																																																																									750,782	615,373	497,749
receivables from customers, brokers, dealers and clearing organizations, less allowance for doubtful accounts of 2,362 and 2,292																																																																							414,089
receivables, less allowance for doubtful accounts of 82,465 and 99,259																																																																							2,711,295
mortgage loans held for investment, less allowance for loan losses of 15,860 and 3,448																																																																							1,040,854
property and equipment, at cost less accumulated depreciation and amortization of 651,576 and 647,151																																																																							391,265
less cost of 110,566,917 and 112,671,610 shares of common stock in treasury																																																																							-2,112,558
receivables from customers, brokers, dealers and clearing organizations, less allowance for doubtful accounts of 2,345 and 2,292																																																																								414,557
receivables, less allowance for doubtful accounts of 109,266 and 99,259																																																																								486,802
mortgage loans held for investment, less allowance for loan losses of 15,492 and 3,448																																																																								1,082,301
property and equipment, at cost less accumulated depreciation and amortization of 648,766 and 647,151																																																																								383,930
less cost of 111,009,460 and 112,671,610 shares of common stock in treasury																																																																								-2,120,995
receivables from customers, brokers, dealers and clearing organizations, less allowance for doubtful accounts of 2,314 and 2,292																																																																									404,420
receivables, less allowance for doubtful accounts of 95,530 and 99,259																																																																									423,450
mortgage loans held for investment, less allowance for loan losses of 4,585 and 3,448																																																																									1,241,281
property and equipment, at cost less accumulated depreciation and amortization of 656,335 and 647,151																																																																									372,235
less cost of 111,344,662 and 112,671,610 shares of common stock in treasury																																																																									-2,127,379
current assets –
receivables from customers, brokers, dealers and clearing organizations, less allowance for doubtful accounts of 2,292 and 1,783																																																																										410,522
receivables, less allowance for doubtful accounts of 99,259 and 64,433																																																																										556,255
mortgage loans held for investment, less allowance for loan losses of 3,448																																																																										1,358,222
property and equipment, at cost less accumulated depreciation and amortization of 647,151 and 622,693																																																																										379,066
liabilities –
stockholders’ equity –
receivables from customers, brokers, dealers and clearing organizations																																																																											424,874	413,237	437,697		569,430	577,506	585,214		623,225,000	610,039,000	626,215,000	625,076,000	645,357,000	584,721,000	539,954,000
receivables, less allowance for doubtful accounts of 54,974 and 64,480																																																																											2,376,846
mortgage loans held for investment																																																																											1,069,626	683,839	541,361	407,538
property and equipment, at cost less accumulated depreciation and amortization of 645,913 and 627,181																																																																											392,706
less cost of 113,071,487 and 107,377,858 shares of common stock in treasury																																																																											-2,159,337
marketable securities — trading																																																																												76,286				114,136	77,085
receivables, less allowance for doubtful accounts of 64,871 and 64,480																																																																												413,320
residual interests in securitizations — available-for-sale																																																																												148,966			175,068	142,782	193,207
beneficial interest in trusts — trading																																																																												123,278			279,714	169,378	185,539
mortgage servicing rights																																																																												269,679	275,266	272,472	262,369	245,928	188,708	166,614	147,511,000	134,062,000	123,980,000	113,821,000	106,196,000	111,960,000	106,056,000
property and equipment, at cost less accumulated depreciation and amortization of 755,730 and 704,792																																																																												467,543
commercial paper																																																																												1,040,429	189,356			498,175			1,528,882,000	316,056,000	104,864,000		1,411,177,000
less cost of 113,975,390 and 107,377,858 shares of common stock in treasury																																																																												-2,176,240
marketable securities – trading																																																																													77,219
receivables, less allowance for doubtful accounts of 60,732 and 64,480																																																																													370,307
residual interests in securitizations – available-for-sale																																																																													145,779	159,058				205,936	253,531,000	261,503,000	233,282,000	210,973,000
beneficial interest in trusts – trading																																																																													125,628	188,014				215,367	131,885,000	108,624,000	136,283,000	137,757,000
property and equipment, at cost less accumulated depreciation and amortization of 735,426 and 704,792																																																																													452,010
less cost of 114,315,001 and 107,377,858 shares of common stock in treasury																																																																													-2,182,693
receivables from customers, brokers, dealers and clearing organizations, less allowance for doubtful accounts of 1,783 and 1,151																																																																														496,577
receivables, less allowance for doubtful accounts of 64,480 and 34,201																																																																														503,188
property and equipment																																																																														443,785				330,150				279,220,000
receivables, less allowance for doubtful accounts of 56,985 and 38,879																																																																															1,810,945
property and equipment, at cost less accumulated depreciation and amortization of 729,405 and 658,425																																																																															415,844
other noncurrent liabilites																																																																															417,200	428,395	368,028				402,334,000				236,444,000
less cost of 107,594,856 and 104,649,850 shares of common stock in treasury																																																																															-2,027,663
receivables, less allowance for doubtful accounts of 59,332 and 38,879																																																																																693,302
property and equipment, at cost less accumulated depreciation and amortization of 714,971 and 658,425																																																																																362,041
less cost of 110,565,669 and 104,649,850 shares of common stock in treasury																																																																																-2,083,561
receivables, less allowance for doubtful accounts of 46,752 and 38,879																																																																																	404,501
property and equipment, at cost less accumulated depreciation and amortization of 677,989 and 658,425																																																																																	328,684
less cost of 106,780,588 and 104,649,850 shares of common stock in treasury																																																																																	-1,970,367
current assets ...
receivables from customers, brokers, dealers and clearing organizations, less allowance for doubtful accounts of 1,151 and 1,103																																																																																		590,226
receivables, less allowance for doubtful accounts of 38,879 and 53,418																																																																																		418,788
liabilities ...
accounts payable, accrued expenses and other																																																																																		564,749		483,996,000	401,004,000	456,167,000	398,250,000	455,362,000	433,049,000
stockholders’ equity ...
convertible preferred stock, no par, stated value .01 per share, 500,000 shares authorized
receivables																																																																																			1,461,097,000	368,072,000	361,199,000	347,910,000	1,093,051,000	340,794,000	308,535,000
property and equipment, at cost less accumulated depreciation and amortization of 642,536 and 579,535																																																																																			327,385,000
less cost of 52,864,620 and 44,849,128 shares of common stock in treasury																																																																																			-1,903,258,000
property and equipment, at cost less accumulated depreciation and amortization of 621,587 and 579,535																																																																																				275,688,000
less cost of 54,469,436 and 44,849,128 shares of common stock in treasury																																																																																				-1,960,960,000
property and equipment, at cost less accumulated depreciation and amortization of 597,743 and 579,535																																																																																					272,111,000
less cost of 51,708,328 and 44,849,128 shares of common stock in treasury																																																																																					-1,816,085,000
current assets:
marketable securities - trading																																																																																							70,280,000
residual interests in securitizations																																																																																							233,851,000	317,604,000	290,854,000
property and equipment, at cost less accumulated depreciation and amortization of 550,662 and 485,608																																																																																							284,148,000
less cost of 42,409,777 and 38,343,944 shares of common stock in treasury																																																																																							-1,353,078,000
property and equipment, at cost less accumulated depreciation and amortization of 523,897 and 485,608																																																																																								283,556,000
notes payable — commercial paper																																																																																								124,630,000
less cost of 40,343,784 and 38,343,944 shares of common stock in treasury																																																																																								-1,209,178,000
property and equipment, at cost less accumulated depreciation and amortization of 503,445 and 485,608																																																																																									274,539,000
less cost of 39,674,704 and 38,343,944 shares of common stock in treasury																																																																																									-1,160,730,000

Cashflow Statements:

Quarterly

Annual

Unit: USD	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-04-30	2021-01-31	2020-10-31	2020-07-31	2020-04-30	2020-01-31	2019-10-31	2019-07-31	2019-04-30	2019-01-31	2018-10-31	2018-07-31	2018-04-30	2018-01-31	2017-10-31	2017-07-31	2017-04-30	2017-01-31	2016-10-31	2016-07-31	2016-04-30	2016-01-31	2015-10-31	2015-07-31	2015-04-30	2015-01-31	2014-10-31	2014-07-31	2014-04-30	2014-01-31	2013-10-31	2013-07-31	2013-04-30	2013-01-31	2012-10-31	2012-07-31	2012-04-30	2012-01-31	2011-10-31	2011-07-31	2011-04-30	2011-01-31	2010-10-31	2010-07-31	2010-04-30	2010-01-31	2009-10-31	2009-07-31	2009-04-30	2009-01-31	2008-10-31	2008-07-31	2008-04-30	2008-01-31	2007-10-31	2007-07-31	2007-04-30	2007-01-31	2006-10-31	2006-07-31	2006-04-30	2006-01-31	2005-10-31	2005-07-31	2005-04-30	2005-01-31	2004-10-31	2004-07-31	2004-04-30	2004-01-31	2003-10-31	2003-07-31

cash flows from operating activities:
net income				299,439				257,817				302,271				222,703							91,259																																													706,903	47,363	-135,874	-132,719	543,562	-47,358			-85,564	-60,252	-156,460	-131,377	587,538				5,225,857	91,692,000	-52,199,000	-44,083,000	575,635,000	106,726,000	4,954,000	10,582,000
adjustments to reconcile net income to net cash from operating activities:
depreciation and amortization	31,519	30,001	28,922	29,580	29,221	29,195	28,831	30,780	30,673	30,106	30,225	31,841	32,313	32,723	33,624	34,716	36,116	35,631	35,715	39,689	39,856	37,799	39,508	44,127	44,147	42,657	38,605	40,682	44,088	41,493	40,432	46,417	48,488	44,792	43,598	49,976	45,160																															33,176	31,141	29,758	29,556	38,022	32,743	38,171	37,075	30,306	23,525	49,990	46,394	52,821	48,709	46,088	44,085		45,537,000	39,631,000	37,137,000
provision for credit losses	36,379	20,169	975	9,149	35,315	19,703	1,024	21,208	39,823	20,438	1,098
deferred taxes	-15,679	923	17,800	-22,109	-10,972	-20,537	19,006	17,283	-22,698	2,232	-37,757	42,894	-34,849	24,616	16,918	31,770	-101,807	30,232	-13,547	17,275	-47,713				-1,800	5,770	6,825	-19,428	2,644	8,318	9,595	-1,205	54,711	37,838	20,796	40,327	-361
stock-based compensation	8,378	7,626	6,173	7,083	7,475	9,218	8,727	8,967	7,785	9,975	7,550	4,541	8,892	10,239	7,654	14,264	6,755	6,386	6,847	7,527	5,809	7,338	7,597	5,346	6,605	9,420	6,674	5,758	6,170	7,480	4,359	4,889	5,438	6,811	4,816	2,340	4,473																															6,193	6,859	8,018	5,487
changes in assets and liabilities, net of acquisitions:
receivables	10,795	-300,266	262	273,358	-73,257	-263,377	1,029	239,712	727	-353,814	4,981	180,151	24,898	-265,995	3,702	195,473	-17,291	-251,984	35,913	287,374	-489,891	25,532	26,052			11,340	60,519			8,364	66,960			12,973	64,985
prepaid expenses, other current and noncurrent assets	-15,258	-9,820	7,530	10,687	-10,092	-6,248	8,836	10,750	-10,642	-13,791	6,396	10,427	15,545	-30,314	-2,669	14,581	30,403	-55,538	8,610	18,724	-51,951
accounts payable, accrued expenses, salaries, wages and payroll taxes	385,893	14,126	-59,094	-263,255	317,052	-10,789	-66,017	-227,707	281,588	12,659	-71,202	-189,652	243,181	8,752	-129,908	-141,757	244,038	12,289	-134,215	188,236	104,304
deferred revenue, other current and noncurrent liabilities	91,049	-3,745	-46,118	-22,259	65,854	-18,145	-27,025	-40,990	71,003	-15,863	-42,657	-26,827	74,757	-11,154	-41,549	-29,618	87,842	-22,892	-27,990	23,791	16,904
income tax receivables, accrued income taxes and income tax reserves	177,176	-129,710	-147,233	-70,662	242,389	-62,943	-129,397	-18,517	274,667	-110,405	-70,301	-35,528	239,855	-18,504	-41,659	82,469	283,332	-174,320	-72,768	-43,230	-7,589
other	-648	-1,088	-236	550	-355	286	-1,019	1,293	-1,233	1,041	160	221	-1,770	-1,080	-435	3,779	-1,005	-2,935	-1,438	-1,840	-3,739			11,665	-5,463	-105	50,944		3,821	90	966	9,893	-3,950	4,103	1,371	7,735	-3,963	4,116	220	11,948	-3,359	3,684	3,562	15,175	-4,506	6,555	4,130	16,228	-3,028	9,076	6,179		-24,460	-16,501	25,776	-90,655	18,860	18,767	18,167	-81,921	17,726	12,612	18,239		3,897	13,617	4,856	135,869	-57,827	6,019	2,891	87,238	2,517	-936	6,699	-92,994	22,454	1,020	7,068	-34,605	4,146	5,216	7,935	-15,170,438	3,069,000	3,838,000	8,300,000	14,389,000	9,416,000	217,000	2,310,000
net cash from operating activities	1,557,505	-613,950	-356,838	251,561	1,324,960	-567,057	-328,581	300,596	1,362,430	-607,177	-334,989	323,455	1,278,844	-458,792	-321,666	435,409	1,286,699	-600,947	-312,624	1,534,607	-645,940																		-475,675	1,959,343	-824,236	-224,467	-378,246	1,873,808	-619,623	-245,992	-381,585	1,929,903	-627,949	-173,631	-318,742	1,809,034	-744,890	-193,896	-373,140	1,744,820	-800,143	-188,079	-394,549	2,017,921	-957,417	-199,750	-348,251		-1,942,895	-331,575	-454,577	3,448,001	-1,757,631	-349,595	-316,336	3,583,752	-2,425,840	-509,942	-432,183	2,193,540	-1,587,972	-731,877	-458,415	2,275,233	-984,688	-394,344	-310,515		-910,164,000	-161,023,000	-514,064,000		-538,290,000	-355,486,000	-107,864,000
cash flows from investing activities:
capital expenditures	-18,409	-35,547	-13,188	-10,250	-22,669	-30,380	-18,735	-9,847	-21,123	-19,792	-12,916	-13,037	-15,166	-25,334	-16,161	-9,237	-13,347	-23,751	-15,620	-4,796	-21,412																		0	0	0	0	0	0	0	0	0	0	0	0	0	0	-35,343	-47,447	-13,273	-10,908	-31,039	-29,557	-10,953	-11,761	-16,193	-26,371	-8,634		-55,962	1,480	-8,760	-23,967	-15,327	-42,397	-16,189	-25,198	-32,232	-33,983	-14,497	-31,186	-35,118	-51,919	-42,868	-83,329	-89,546	-47,305	-30,330		-82,234,000	-32,336,000	-22,913,000		-37,587,000	-30,842,000	-12,749,000
free cash flows	1,539,096	-649,497	-370,026	241,311	1,302,291	-597,437	-347,316	290,749	1,341,307	-626,969	-347,905	310,418	1,263,678	-484,126	-337,827	426,172	1,273,352	-624,698	-328,244	1,529,811	-667,352																		-475,675	1,959,343	-824,236	-224,467	-378,246	1,873,808	-619,623	-245,992	-381,585	1,929,903	-627,949	-173,631	-318,742	1,809,034	-780,233	-241,343	-386,413	1,733,912	-831,182	-217,636	-405,502	2,006,160	-973,610	-226,121	-356,885		-1,998,857	-330,095	-463,337	3,424,034	-1,772,958	-391,992	-332,525	3,558,554	-2,458,072	-543,925	-446,680	2,162,354	-1,623,090	-783,796	-501,283	2,191,904	-1,074,234	-441,649	-340,845		-992,398,000	-193,359,000	-536,977,000		-575,877,000	-386,328,000	-120,613,000
payments made for business acquisitions, net of cash acquired	-19,681	-30,297	-5,069	-195	-7,306	-22,116	-5,901	-195	-16,005	-20,239	-6,919	-506	-7,983	-23,250	-16,507	-10,455	-6,132	-15,068	-4,265	-551	-11,351																																												-4,222			-2,937	-286,159	-2,458	-2,251	-1,037	-2,798	-150	-20,887	-32,884	-11,061	-8,982	-4,627	-2,727	-9,507	-196,857	-3,452	26,310,379	-20,876,000	-4,666,000	-806,000	-585,000	-156,943,000	-114,211,000	-9,126,000
franchise loans funded	-3,150	-11,384	-3,667	-250	-4,013	-10,333	-7,109	-76	-3,324	-10,111	-5,380	-67	-4,075	-10,805	-6,686	1	-3,988	-10,006	-4,474	-1,960	-13,035
payments from franchisees	10,487	5,285	731	12,308	10,507	760	211	12,042	10,137	1,810	937	12,387	11,102	1,591	2,270	13,185	11,501	3,374	2,839	20,922	1,972	4,171	14,150	25,315	6,702	5,255	2,647
net cash from investing activities	-30,635	-70,999	-20,926	5,517	-23,397	-61,099	-26,394	5,785	-28,598	-47,155	-23,890	-102	-2,197	-61,732	-37,358	-5,435	-13,662	-37,991	-19,453	28,589	-50,680	-27,812	4,380													34,577			5,078	15,474	-51,039	332,986	32,094										-116,237	-57,364	-6,715	28,337	450,650	-112,867	-14,253	-74,014	-19,508	-10,632	-6,003		27,894	27,920	15,360	19,286	35,075	-64,871	16,070	1,135,922	-11,364	-62,816	85,547	20,347	-806,834	-200,868	-171,021	-434,233	-84,353	-168,103	-1,816		-73,174,000	1,487,000	23,407,000		-106,022,000	-102,317,000	10,930,000
cash flows from financing activities:
repayments of line of credit borrowings	-2,345,000			0	-1,850,000			0	-1,000,000			0	-800,000			0	-495,000			-955,000	-320,000																																																				-1,156,177
proceeds from line of credit borrowings	1,400,000	730,000	245,000	0	1,060,000			0	200,000			0	220,000			0	220,000			75,000	1,130,000			2,015,000	1,185,000			105,000				0					1,020,000																																				2,542,662
repayments of long-term debt	0	0	-350,000																	0	0																																-605,790	0	-30,831
proceeds from issuance of long-term debt	0	0	346,980																	0	0																			-1,350,000	1,350,000											0	0
dividends paid	-53,215	-54,343	-50,208	-50,194	-50,176	-52,307	-44,653	-44,648	-45,273	-46,901	-42,953	-44,163	-44,569	-46,100	-43,093	-43,041	-46,497	-47,942	-48,996	-47,181	-47,689																																-54,264	-54,227	-54,201	-58,743	-58,612	-45,552	-45,894	-45,876	-45,858	-46,376	-48,692		-50,533	-50,497	-50,287	-51,116	-51,014	-49,765	-46,790	-46,579	-46,554	-46,558	-43,937	-43,878	-43,863	-43,740	-40,485	-41,366	-41,284	-40,844	-36,537	106,279,012	-36,425,000	-36,361,000	-33,636,000	-34,859,000	-35,451,000	-35,725,000	-32,362,000
repurchase of common stock, including shares surrendered	-41	-230	-412,415	-617	-283	-197,857	-238,376	-551	-309	-228,267	-150,442	-203,100	-219	-162,788	-202,845	-7,927	-230,658	-158,789	-165,800	-38,136	-4																																-379	-831	-339,088	-26	-344	-178,220	-2,002	-40	-24	-119,101	-164,369
net cash from financing activities	-1,009,017	654,561	-225,025	-51,937	-854,104	543,048	-284,450	-43,808	-855,951	530,646	-195,198	-245,405	-634,400	375,706	-246,893	-549,880	-557,583	67,439	-217,322	-965,998	763,120			919,936													517,043																18,332	571,488	-623,110	-1,048,889	993,277	-132,155	-257,295	-1,733,267	1,480,760	67,065	-348,949		2,209,320	727,437	-216,206	-3,081,827	2,298,133	814,042	-70,581	-5,402,838	3,460,298	522,002	-137,531	-2,371,338	3,052,353	984,950	325,146	-2,606,822	2,136,731	322,136	-155,081		983,688,000	418,232,000	-263,919,000		1,054,071,000	44,454,000	-103,740,000
effects of exchange rate changes on cash	36	1,843	-2,949	8,308	707	-12,385	3,249	-75	-3,410	4,350	-3,679	3,023	-90	5,632	-13,422	-6,435	1,664	629	-3,959	4,314	7,584	15	6,405			497	556								149												510
net decrease in cash and cash equivalents, including restricted balances	517,889	-28,545	-605,738		448,166	-97,493	-636,176		474,471	-119,336	-557,756		642,157	-139,186	-619,339		717,118	-570,870	-553,358		74,084
cash, cash equivalents and restricted cash, beginning of period	0	0	1,003,139		0	0	1,075,193		0	0	1,015,316		0	0	1,050,713		0	0	1,584,164		0	0	2,873,020		0	0	1,707,727		0	0	1,663,678		0	0	1,117,539
cash, cash equivalents and restricted cash, end of period	517,889	-28,545	397,401		448,166	-97,493	439,017		474,471	-119,336	457,560		642,157	-139,186	431,374		717,118	-570,870	1,030,806		74,084	-2,419,261	2,806,585		-59,857	-343,810	765,454		-418,177	-387,186	1,110,492		-11,263	-386,498	668,160
supplementary cash flow data:
income taxes paid	6,210	50,911	78,339	161,315	3,215	13,947	48,343	95,285	-36,272	13,823	58,337	64,489	4,357	-84,574	-29,811																																					50,631	56,785	28,454	19,747		40,639	23,475	99,357		56,113	39,152	64,651			40,623	155,804								9,653	27,068	65,361	122,638	190,378
interest paid on borrowings	41,345	6,664	28,471	11,388	29,839	13,620	19,792	9,230	30,968	15,704	19,792	10,125	27,617	12,020	19,792	23,951	21,470	23,945	12,594	25,757	16,915	34,726	26,457	21,454	26,020	24,433	15,519	26,861	15,679	24,383	15,519	26,486	17,932	24,383	15,519	27,376	19,139	25,151	15,519	26,286	17,166	225	15,381	1,286	16,182	11,964	15,415	11,924	15,493	11,921	15,883	11,399	20,054	28,612	13,494	14,415	27,518	-9,886	37,634	4,478	38,380	3,668	27,265		23,814	11,136	26,168	18,650	32,178	11,455	27,258	43,487	55,696	46,165	27,833
accrued additions to property and equipment	-1,097	-4,617	7,734	143	-1,350	-2,543	6,341	1,575	-2,559	720	3,316	-2,140	1,879	-2,205	4,704	2,979	-57	-4,880	6,273	-1,198	-251	1,376	1,716	-477	-1,747	3,282	127	3,918	-2,524	-5,209	9,974	1,932	-2,796	-883	4,757	-3,526	-6,961	2,773	10,147	-1,563	-188	-1,404	5,977	12,296	-1,257	-8,745	11,988	1,144	-2,616	-1,319	8,048			3,166	7,107
new operating right of use assets and related lease liabilities	96,888	47,570	37,885		88,237	25,274	21,861		69,340	32,064	38,468		52,032	27,652	52,265		53,016	44,339	29,371		21,844	19,366	52,171
accrued dividends payable to common shareholders	24	-1,128	54,343	14	18	-2,131	52,307	5	-625	-1,628	46,901	-1,210	-406	-1,531	46,100	52	-3,456	-1,443	47,940
net loss		-242,166	-165,819			-243,420	-172,576			-189,755	-163,482			-223,579	-168,421			-190,605	-151,601		-232,994				-129,683	-187,999	-150,247		-126,454	-176,276	-152,670		-245,645	-153,566	-130,567		-104,514																																						-302,580							-86,275	-28,324
adjustments to reconcile net loss to net cash from operating activities:
accrued purchase of common stock							7,131				10,003				32,356			60	4,785								16,801											-1,752	8,895
net increase in cash and cash equivalents, including restricted balances
cash, cash equivalents and restricted cash, beginning of the period
cash, cash equivalents and restricted cash, end of the period
proceeds from exercise of stock options												1,956	0			1,729	538	682	3,385	1	1,006	-14	1,147	1	859	9	1,206	5	781	391	1,355	72	746	104	27,418	-32	773	-9	1,639	-28	8,928	3,860	13,015	496	1,549	1,109	13,368	163	3,547	2,583	21,953	13,610	10,241	820	468	12,599	106	-2,192	1,762	1,290	-2,359	-7	1,500		7,460			1,703	8,192	41,179	20,520	8,795	1,093	3,646	9,788	6,520	8,543	3,849	6,791
provision													32,593	15,504	1,077		45,139	12,789	1,850		21,064	1,769	2,809
provision for bad debt																								39,104	35,627	1,338	552	35,560	32,659	733	1,617	41,060	29,191	1,779	2,459		28,348
impairment of goodwill
income taxes paid, net of refunds received																-45,205	4,725	33,750	38,419	139,494	2,899	14,928	79,138	4,332	30,763	17,971	36,138	29,193	53,592	18,228	31,969	-94,479	26,304	18,550	57,901	4,883	46,317	51,050	61,289	7,463	25,595	56,738	75,358	35,250	43,694	68,756	88,924	68,063	-28,427	9,632	106,467
cash, cash equivalents and restricted cash, beginning of the year
cash, cash equivalents and restricted cash, end of the year
principal payments and sales of mortgage loans and real estate owned																																				0
prepaid expenses and other current assets
other noncurrent assets																													515	5,875	3,272		-674	3,485	5,499		-138
accounts payable and accrued expenses
accrued salaries, wages and payroll taxes
deferred revenue and other current liabilities																																	6,338	3,311	464
deferred revenue and other noncurrent liabilities
payments received on franchise loans																													3,460	6,585	5,104	26,577	3,069	5,595	4,727	40,621	6,553
net decrease in cash, cash equivalents and restricted cash
sales, maturities and payments received on available-for-sale securities																																																				31,603	33,710
transfer of hrb bank deposits
customer banking deposits																																																				-105,145	246,666	141,606	-179,519	-761,343	864,537	56,960	-186,245	-1,013,714	925,251	198,424	-121,401		726,697	781,665	-143,199
net increase in cash and cash equivalents and restricted cash
benefit from bad debt
cash and cash equivalents - restricted
purchases of available-for-sale securities																																																					-40,877	-38,484	-28,990	-78,159	-22,855	-115,884	-39,275
repayments of commercial paper and line of credit borrowings
proceeds from issuance of commercial paper and line of credit borrowings
net increase in cash and cash equivalents																																																												212,154					295,434			385,460	575,577			-683,164				-157,451				-765,822								400,587,000
cash and cash equivalents at beginning of the year
cash and cash equivalents at end of the year
conversion of investment in preferred stock to available-for-sale common stock																																												0	0
cash and cash equivalents — restricted
sales, maturities of and payments received on available-for-sale securities																																					0	86	58		2,119
net decrease in cash and cash equivalents																																																					-842,516	321,030	-1,004,463		646,373	-440,098	-665,135			-138,864	-705,435				-648,360				-370,847			-50,756	-484,167			52,205	-304,290			-240,311	-467,412		350,000	258,696,000	-754,576,000			-413,349,000	-200,674,000
cash and cash equivalents at beginning of the period																																					0	0	896,801		0	0	2,007,190		0	0	2,185,307		0	0	1,747,584		0	0	1,944,334		0	0	1,677,844		0	0	1,804,045		0	0	1,654,663		0	-61,948	726,845		0	0	921,838		-17,154	0	694,358		0	0	1,100,213		0	0	1,071,676,000		0	0	875,353,000
cash and cash equivalents at end of the period																																					-11,338	-74,361	306,871		-171,170	-938,701	1,299,382		693,644	-801,999	1,429,489		-353,368	-373,104	1,163,876		-842,516	321,030	939,871		646,373	-440,098	1,012,709		505,944	-138,864	1,098,610		295,434	425,940	1,006,303		575,577	337,628	355,998		1,023,094	-50,756	437,671		640,393	52,205	390,068		1,067,690	-240,311	632,801		350,000	258,696,000	317,100,000		409,759,000	-413,349,000	674,679,000
principal payments on mortgage loans
principal payments on mortgage loans held for investment																																							8,427	9,057	7,658	8,469	8,537	5,788	4,647	7,201	6,250	11,344	10,980	12,633	11,707
franchise loans:
loans funded																																																					-48,204	-15,608	-5,062	-2,597	-15,967	-11,205	-16,477
payments received																																							6,473		4,761	6,039	11,434		4,527	10,963	18,674		2,010	8,719	7,164	73,851	1,291	3,149	5,154	48,136	1,008	2,127	5,320
benefit from bad debt and loan losses
proceeds from notes receivable
transfers of foreclosed loans to other assets																																								1,348	1,065	826	624	1,565	85	1,337	1,818	1,255	2,500	1,789	2,100	3,149	1,896	2,238	3,074	3,787	2,083	2,865	1,573
transfer of mortgage loans held for investment to held for sale																																																0	0	0	7,608
repayments of commercial paper and other short-term borrowings
proceeds from issuance of commercial paper and other short-term borrowings																																												74				40,086
maturities of and payments received on available-for-sale securities																																											32,103		19,000	30,529	18,484		16,887	23,554	32,061
interest paid on deposits																																											136	213	182	140	201	466	516	540	640	1,288	1,694	1,347	1,336	1,673	1,847	1,503	1,820	2,350	2,363	1,913	1,915		4,520	2,816	1,318	2,520	1,043	6,393	4,048	5,003	11,459	12,247	15,792
provision for bad debt and loan losses
provision for deferred taxes
income tax receivables and income tax reserves
surrender of company-owned life insurance policies
proceeds received on notes receivable
impairment of goodwill and intangible assets
accounts payable, accrued expenses and other current liabilities
accrued income taxes
other noncurrent liabilities
proceeds from sale of businesses																																																								27,444	496,019	15,806	21,230	8,785
repayments of fhlb borrowings
purchases of property and equipment																																																					-35,343	-47,447	-13,273	-10,908	-31,039	-29,557	-10,953	-11,761	-16,193	-26,371	-8,634		-55,962	1,480	-8,760	-23,967	-15,327	-42,397	-16,189	-25,198	-32,232	-33,983	-14,497	-31,186	-35,118	-51,919	-42,868	-83,329	-89,546	-47,305	-30,330	137,273,542	-82,234,000	-32,336,000	-22,913,000	-46,395,000	-37,587,000	-30,842,000	-12,749,000
effects of exchange rates on cash																																																				2,037	279	802	-1,498	1,082	2,589	-6,997	962	1,514	2,109	4,453	-2,232		1,115	2,158	7,063
benefit from deferred taxes
payments made for acquisitions of businesses and intangibles																																																					-10,220
repayments of commercial paper																																																								-250,946	-375,232															0	0	-1,661,560	-3,463,719		-2,606,045	-1,261,363	-1,034,210		-1,530,715			2,343,774,377	-972,089,000	-1,062,041,000	-314,836,000	-3,596,137,000
proceeds from issuance of commercial paper																																																																								0	0	510,323	3,622,874		3,061,654	2,112,436	1,223,566		3,078,488			-3,872,656,377	2,184,915,000	1,273,233,000	419,700,000	2,184,960,000
principal repayments on mortgage loans held for investment																																																					7,597	10,956	12,652		12,482	11,786	11,192		14,487	13,211	17,618		17,421	19,429	19,264		17,649	22,882	31,619
proceeds from sales of businesses																																																					269
proceeds from commercial paper																																																									566,189
payments made for business acquisitions																																																							-2,972		-7,858	-4,707	-3,457		-7,522	-10,084	-33,226
benefit from bad debts and loan losses
available-for-sale securities:
repayments of other borrowings
proceeds from other borrowings
provision for bad debts and loan losses
net cash from discontinued operations
net cash from investing activities of discontinued operations																																																																									-8,683	6,528	3,068	-2,960
proceeds from issuance of common stock																																																																			6,651	-35	-108											2,747	57,759	15,683	32,318	-119,755,898	65,959,000			8,801,000	51,304,000	45,759,000	14,092,000
net cash from financing activities of discontinued operations																																																																				0	0			-698,061	443,361	248,347	-47,535	-119,880
income taxes paid, net of refunds received of 4,762, 12,587 and 158,862
loans made to franchisees
repayments of short-term borrowings
proceeds from short-term borrowings
transfers of loans to foreclosed assets																																																													1,746	4,658	6,527		3,477	5,415	3,797
net cash provided by:
operating activities
investing activities
financing activities
effect of exchange rates on cash
net change in cash and cash equivalents
repayments of federal home loan bank borrowings
proceeds from federal home loan bank borrowings
income taxes paid (refunds received)
repayments of other short-term borrowings																																																																					-828,983	-60,000	-40,000
proceeds from other short-term borrowings																																																																					1,796,656	753,625	15,000
acquisition of treasury shares																																																																		-302	-3,483	-98,802	-2,920	-351	-4,116					-240	-2,002	-221	-186,339	-234	-333	-128,103	-131,642	529,321,978	-294,000	-182,163,000	-347,395,000	-148,620,000	-192,395,000	-95,214,000	-83,633,000
operating cash flows of discontinued operations:
loss on sale of discontinued operations
sales of and payments received on available-for-sale securities
mortgage loans originated or purchased for investment																																																																								100,885	29,832	-34,275	111,164
net cash from investing activities of discontinued operations:
proceeds from sale of operating units, net of cash
repayments of senior notes																																																																																				249,750,000
proceeds from issuance of senior notes																																																																								0												-394,825,779
income taxes paid, net of refunds received of 158,862, 317,849 and 3,861
change in participation in tax client loans receivable
operating cash flows of discontinued operations																																																																					4,801
other, net of business acquisitions																																																																					-798,802	-346,121	-218,660		-389,124	-183,814	-289,562
proceeds from sale of operating unit
customer deposits																																																																					1,367,179	-31,800	-8,795	-1,174,263	1,071,902	-152,652	-90,378		1,037,106	191,739	404,030
income taxes paid, net of refunds received of 156,522 and 89,865
non-cash investing activities:
foreclosed assets
income taxes paid, net of refunds received of 19,641 and 71,724
income taxes paid, net of refunds received of 1,198 and 1,867																																																																							83,111
benefit from bad debts
cash and cash equivalents – restricted
receivables from customers, brokers, dealers and clearing organizations
accounts payable to customers, brokers, dealers and clearing organizations
available-for-sale securities
sales of and payments received on other available-for-sale securities
income taxes paid, net of refunds received of 317,849, 3,861 and 19,261
stock-based compensation expense																																																																									15,438	10,152	7,398
changes in assets and liabilities of discontinued operations																																																																									-344,033	127,820	115,486
purchase of treasury shares
income taxes paid, net of refunds received of 89,865 and 3,154
income taxes paid, net of refunds received of 71,724 and 1,468
repayments of lines of credit borrowings																																																																											-560,000
proceeds from lines of credit borrowings																																																																											485,000
cash flows from operating activities –
excess tax benefits from stock-based compensation																																																																												-857	-812	-453	-1,114
cash flows from investing activities –
mortgage loans originated/acquired and held for investment
cash flows from financing activities –
proceeds from issuance of lines of credit borrowings
payments on acquisition debt																																																																																				19,436,336	-7,857,000			-8,183,000	-5,720,000
supplementary cash flow data–
tax benefits from stock-based compensation																																																																													-21,202	813	8,075
net cash from operating activities of discontinued operations
other, net of acquisitions																																																																													-463,998	-630,304	-322,939		-970,548	-219,515	-255,017		-985,535,000	-118,624,000	-476,205,000
interest paid																																																																													53,677	30,873	18,702
accretion of residual interests in securitizations																																																																														-12,878	-13,509	-21,157	-28,848	-33,564	-30,777		-28,783,000	-32,172,000	-25,663,000
impairments of available-for-sale residual interests																																																																														12,236	17,266		8,562
additions to trading residual interests in securitizations																																																																														-52,988	-58,417
proceeds from net interest margin transactions																																																																																100,000	109,687	45,101	40,371		45,395,000
realized gain on sale of available-for-sale residual interests																																																																																	0
additions to mortgage servicing rights																																																																														-42,792	-50,122	-54,292	-59,951	-86,988	-49,306		-35,675,000	-30,401,000	-28,493,000
amortization and impairment of mortgage servicing rights																																																																														48,379	47,328	44,189	43,510	29,768	27,212
cash received from available-for-sale residual interests																																																																																	10,554
cash received from sale of available-for-sale residual interests																																																																																	0
mortgage loans originated for investment																																																																														-142,842	-135,161
cash received from residual interests in securitizations																																																																															4,567				24,031		26,867,000	34,651,000	38,826,000
benefit from deferred taxes on income
impairment of available-for-sale residual interests in securitizations
realized gain on sale of previously securitized residual interests
cumulative effect of change in accounting principle
mortgage loans held for sale:
originations and purchases
sales and principal repayments
beneficial interest in trusts
accounts payable to customers, brokers and dealers
other non-current liabilities
cash proceeds from sale of previously securitized residuals
sales of other available-for-sale securities
mortgage loans originated and held for investment
additions to trading securities — residual interests in securitizations																																																																																	-42,942	-84,643	-101,002
net change in beneficial interest in trusts																																																																																	-110,336	16,161	29,828		-23,261,000	27,659,000	1,474,000
impairments of residual interests in securitizations																																																																																			12,415		4,835,000	34,000	3,435,000
cash flows from operating activities ...
cash flows from investing activities ...
cash flows from financing activities ...
additions to trading securities – residual interests in securitizations
amortization of mortgage servicing rights																																																																																					22,226,000	20,319,000	18,334,000
proceeds from securitization financing																																																																																									0
repayments of securitization financing
additions to trading securities - residual interests in securitizations
adjustments to reconcile net income to net cash provided by operating activities:
realized gain on sale of previously securitized residuals
net change in receivable from trusts
other net changes in working capital, net of acquisitions
repayments of notes payable
proceeds from issuance of notes payable

H&R Block, Inc(NYSE:HRB)

H&R Block, Inc
(NYSE:HRB)