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CONDENSED CONSOLIDATED STATEMENTS OF INCOME - USD ($)
$ in Thousands
3 Months Ended 9 Months Ended
Sep. 30, 2020
Sep. 30, 2019
Sep. 30, 2020
Sep. 30, 2019
Revenue:        
Retail merchandise sales $ 234,982 $ 281,358 $ 819,011 $ 844,353
Pawn loan fees 99,570 142,879 343,675 420,994
Wholesale scrap jewelry sales 25,281 25,661 74,437 82,352
Consumer loan and credit services fees 57 2,561 2,003 18,378
Total revenue 359,890 452,459 1,239,126 1,366,077
Cost of revenue:        
Cost of retail merchandise sold 137,230 178,597 493,436 534,218
Cost of wholesale scrap jewelry sold 19,818 22,660 61,022 76,947
Total cost of revenue 104 223 (480) 3,829
Total cost of revenue 157,152 201,480 553,978 614,994
Net revenue 202,738 250,979 685,148 751,083
Expenses and other income:        
Store operating expenses 132,061 149,819 426,612 445,018
Administrative expenses 24,354 30,576 85,642 94,426
Depreciation and amortization 10,426 10,674 31,424 31,058
Interest expense 6,561 8,922 21,953 25,840
Interest income (499) (429) (1,209) (788)
Merger and other acquisition expenses 7 805 209 1,510
(Gain) loss on foreign exchange (432) 1,648 1,639 926
Write-offs and impairments of certain lease intangibles and other assets 837 0 6,549 0
Total expenses and other income 185,052 202,015 584,556 597,990
Income (loss) before income taxes 17,686 48,964 100,592 153,093
Provision for income taxes 2,624 14,203 26,739 42,629
Net income $ 15,062 $ 34,761 $ 73,853 $ 110,464
Earnings per share:        
Basic (USD per share) $ 0.36 $ 0.81 $ 1.78 $ 2.56
Diluted (USD per share) $ 0.36 $ 0.81 $ 1.77 $ 2.55
Loss on extinguishment of debt $ (11,737) $ 0 $ (11,737) $ 0