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v3.19.3

Segment Information (Details) $ in Thousands | 3 Months Ended | 9 Months Ended
--- | --- | ---
Sep. 30, 2019 USD ($) | Sep. 30, 2018 USD ($) | Sep. 30, 2019 USD ($) segment | Sep. 30, 2018 USD ($)
Revenue: |  |  |  |
Retail merchandise sales | $ 281,358 | $ 256,417 | $ 844,353 | $ 782,000
Number of reportable segments | segment |  |  | 2 |
Pawn loan fees | 142,879 | 134,613 | $ 420,994 | 387,418
Wholesale scrap jewelry sales | 25,661 | 24,650 | 82,352 | 86,850
Consumer loan and credit services fees | 2,561 | 14,198 | 18,378 | 43,382
Total revenue | 452,459 | 429,878 | 1,366,077 | 1,299,650
Cost of revenue: |  |  |  |
Cost of retail merchandise sold | 178,597 | 163,287 | 534,218 | 501,358
Cost of wholesale scrap jewelry sold | 22,660 | 23,859 | 76,947 | 80,430
Consumer loan and credit services loss provision | 223 | 5,474 | 3,829 | 13,095
Total cost of revenue | 201,480 | 192,620 | 614,994 | 594,883
Net revenue | 250,979 | 237,258 | 751,083 | 704,767
Expenses and other income: |  |  |  |
Store operating expenses | 149,819 | 141,720 | 445,018 | 418,111
Administrative expenses | 30,576 | 29,977 | 94,426 | 87,699
Depreciation and amortization | 10,674 | 10,850 | 31,058 | 33,085
Interest expense | 8,922 | 7,866 | 25,840 | 20,593
Interest income | (429) | (495) | (788) | (2,216)
Merger and other acquisition expenses | 805 | 3,222 | 1,510 | 5,574
Loss (gain) on foreign exchange | 1,648 | 35 | 926 | (212)
Total expenses and other income | 202,015 | 193,175 | 597,990 | 562,634
Income (loss) before income taxes | 48,964 | 44,083 | 153,093 | 142,133
U.S. Operations |  |  |  |
Revenue: |  |  |  |
Retail merchandise sales | 168,092 | 162,001 | 523,825 | 514,494
Pawn loan fees | 95,125 | 93,344 | 283,127 | 277,411
Wholesale scrap jewelry sales | 18,369 | 18,804 | 56,942 | 70,394
Consumer loan and credit services fees | 2,561 | 14,082 | 18,378 | 42,522
Total revenue | 284,147 | 288,231 | 882,272 | 904,821
Cost of revenue: |  |  |  |
Cost of retail merchandise sold | 103,728 | 102,370 | 326,134 | 328,258
Cost of wholesale scrap jewelry sold | 16,217 | 17,595 | 52,340 | 64,203
Consumer loan and credit services loss provision | 223 | 5,420 | 3,829 | 12,874
Total cost of revenue | 120,168 | 125,385 | 382,303 | 405,335
Net revenue | 163,979 | 162,846 | 499,969 | 499,486
Expenses and other income: |  |  |  |
Store operating expenses | 103,315 | 102,955 | 310,208 | 310,963
Administrative expenses | 0 | 0 | 0 | 0
Depreciation and amortization | 5,213 | 5,285 | 15,527 | 15,877
Interest expense | 0 | 0 | 0 | 0
Interest income | 0 | 0 | 0 | 0
Merger and other acquisition expenses | 0 | 0 | 0 | 0
Loss (gain) on foreign exchange | 0 | 0 | 0 | 0
Total expenses and other income | 108,528 | 108,240 | 325,735 | 326,840
Income (loss) before income taxes | 55,451 | 54,606 | 174,234 | 172,646
Latin America Operations |  |  |  |
Revenue: |  |  |  |
Retail merchandise sales | 113,266 | 94,416 | 320,528 | 267,506
Pawn loan fees | 47,754 | 41,269 | 137,867 | 110,007
Wholesale scrap jewelry sales | 7,292 | 5,846 | 25,410 | 16,456
Consumer loan and credit services fees | 0 | 116 | 0 | 860
Total revenue | 168,312 | 141,647 | 483,805 | 394,829
Cost of revenue: |  |  |  |
Cost of retail merchandise sold | 74,869 | 60,917 | 208,084 | 173,100
Cost of wholesale scrap jewelry sold | 6,443 | 6,264 | 24,607 | 16,227
Consumer loan and credit services loss provision | 0 | 54 | 0 | 221
Total cost of revenue | 81,312 | 67,235 | 232,691 | 189,548
Net revenue | 87,000 | 74,412 | 251,114 | 205,281
Expenses and other income: |  |  |  |
Store operating expenses | 46,504 | 38,765 | 134,810 | 107,148
Administrative expenses | 0 | 0 | 0 | 0
Depreciation and amortization | 3,795 | 2,915 | 10,679 | 8,364
Interest expense | 0 | 0 | 0 | 0
Interest income | 0 | 0 | 0 | 0
Merger and other acquisition expenses | 0 | 0 | 0 | 0
Loss (gain) on foreign exchange | 0 | 0 | 0 | 0
Total expenses and other income | 50,299 | 41,680 | 145,489 | 115,512
Income (loss) before income taxes | 36,701 | 32,732 | 105,625 | 89,769
Corporate |  |  |  |
Revenue: |  |  |  |
Retail merchandise sales | 0 | 0 | 0 | 0
Pawn loan fees | 0 | 0 | 0 | 0
Wholesale scrap jewelry sales | 0 | 0 | 0 | 0
Consumer loan and credit services fees | 0 | 0 | 0 | 0
Total revenue | 0 | 0 | 0 | 0
Cost of revenue: |  |  |  |
Cost of retail merchandise sold | 0 | 0 | 0 | 0
Cost of wholesale scrap jewelry sold | 0 | 0 | 0 | 0
Consumer loan and credit services loss provision | 0 | 0 | 0 | 0
Total cost of revenue | 0 | 0 | 0 | 0
Net revenue | 0 | 0 | 0 | 0
Expenses and other income: |  |  |  |
Store operating expenses | 0 | 0 | 0 | 0
Administrative expenses | 30,576 | 29,977 | 94,426 | 87,699
Depreciation and amortization | 1,666 | 2,650 | 4,852 | 8,844
Interest expense | 8,922 | 7,866 | 25,840 | 20,593
Interest income | (429) | (495) | (788) | (2,216)
Merger and other acquisition expenses | 805 | 3,222 | 1,510 | 5,574
Loss (gain) on foreign exchange | 1,648 | 35 | 926 | (212)
Total expenses and other income | 43,188 | 43,255 | 126,766 | 120,282
Income (loss) before income taxes | $ (43,188) | $ (43,255) | $ (126,766) | $ (120,282)

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