Form 10-Q
GREENSKY, INC. filed this Form 10-Q on 08/10/2018
Document Outline
Entire Document (6058.3 KB)
Subdocument 1 - 10-Q - 10-Q
Page 1 - UNITED STATES
Page 2 - GreenSky, Inc.
Page 3 - CAUTIONARY STATEMENT REGARDING FORWARD-LOOKING STATEMENTS
Page 4 - PART I - FINANCIAL INFORMATION
Page 5 - GreenSky, Inc.
Page 6 - GreenSky, Inc.
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Page 34 - ITEM 2: MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS (Dolla
Page 35 - Overview
Page 36 - N/A
Page 37 - Business Metrics
Page 38 - Transaction Volume.
Page 39 - General Economic Conditions and Industry Trends.
Page 40 - Servicing and other.
Page 41 - Property, office and technology.
Page 42 - Results of Operations Summary
Page 43 - Results of Operations for the three and six months ended June 30, 2018, compared to the three and si
Page 44 - Fair value change in FCR liability
Page 45 - Sales and marketing
Page 46 - Tax expense
Page 47 - Financial Condition Summary
Page 48 - Liquidity and Capital Resources
Page 49 - Cash provided by operating activities
Page 50 - Term loan and revolving loan facility
Page 51 - Charged-Off Receivables
Page 52 - Off-Balance Sheet Arrangements
Page 53 - Term loan.
Page 54 - PART II. OTHER INFORMATION
Page 55 - Our results of operations and continued growth depend on our ability to retain existing, and attract
Page 56 - A large percentage of our revenue is concentrated with our top ten merchants, and the loss of a sign
Page 57 - We have experienced rapid growth, which may be difficult to sustain and which may place significant
Page 58 - We may be unable to successfully develop and commercialize new or enhanced products and services.
Page 59 - We own receivables for certain loans, and the non-performance, or even significant underperformance,
Page 60 - The loss of the services of our senior management could adversely affect our business.
Page 61 - Regulatory agencies and consumer advocacy groups are becoming more aggressive in asserting disparate
Page 62 - Cyber-attacks and other security breaches could have an adverse effect on our business.
Page 63 - Disruptions in the operation of our computer systems and third-party data centers could have an adve
Page 64 - We rely extensively on models in managing many aspects of our business. Any inaccuracies or errors i
Page 65 - Our revenue is impacted, to a significant extent, by the general economy and the financial performan
Page 66 - We are, and intend in the future to continue, expanding into new industry verticals, including elect
Page 67 - We may be unable to sufficiently protect our proprietary rights and may encounter disputes from time
Page 68 - Some aspects of our platform include open source software, and any failure to comply with the terms
Page 69 - The effect of comprehensive U.S. tax reform legislation or challenges to our tax positions could adv
Page 70 - Our industry is highly regulated and is undergoing regulatory transformation, which has created inhe
Page 71 - N/A
Page 72 - The highly regulated environment in which our Bank Partners operate could have an adverse effect on
Page 73 - The CFPB is a relatively new agency, and there continues to be uncertainty as to how its actions wil
Page 74 - The contours of the Dodd-Frank UDAAP standard are still uncertain and there is a risk that certain f
Page 75 - Non-compliance with Payment Card Industry Data Security Standards ( PCI DSS ) may subject us to fine
Page 76 - Anti-money laundering and anti-terrorism financing laws could have significant adverse consequences
Page 77 - We have been in the past and may in the future be subject to federal and state regulatory inquiries
Page 78 - We may be required to pay additional taxes as a result of the new partnership audit rules.
Page 79 - We will be required to pay for certain tax benefits we may claim arising in connection with the merg
Page 80 - In certain circumstances, including certain changes of control of our Company, payments by us under
Page 81 - Our certificate of incorporation provides, subject to certain exceptions, that the Court of Chancery
Page 82 - As a newly public company, we are incurring, and will continue to incur, increased costs and are sub
Page 83 - We are an emerging growth company, as defined under the federal securities laws, and we cannot be ce
Page 84 - Future sales, or the expectation of future sales, of shares of our Class A common stock by Continuin
Page 85 - Our capital structure may have a negative impact on our stock price.
Page 86 - ITEM 2. UNREGISTERED SALES OF EQUITY SECURITIES AND USE OF PROCEEDS (Dollars in thousands, unless ot
Page 87 - ITEM 6. EXHIBITS
Page 88 - SIGNATURES
Subdocument 2 - EX-10.1 - EXHIBIT 10.1
Page 1 - N/A
Subdocument 3 - EX-10.6 - EXHIBIT 10.6
Page 1 - Exhibit 10.6
Page 2 - CERTAIN CONFIDENTIAL MATERIAL APPEARING IN THIS DOCUMENT, MARKED BY [*****] HAS BEEN OMITTED AND FIL
Subdocument 4 - EX-31.1 - EXHIBIT 31.1
Page 1 - Exhibit 31.1
Page 2 - N/A
Subdocument 5 - EX-31.2 - EXHIBIT 31.2
Page 1 - N/A
Subdocument 6 - EX-32.1 - EXHIBIT 32.1
Page 1 - N/A
Subdocument 7 - EX-32.2 - EXHIBIT 32.2
Page 1 - N/A
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