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CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2020
Dec. 31, 2019
Dec. 31, 2018
Cash flow from operating activities:      
Net income $ 106,579 $ 164,618 $ 153,206
Adjustments to reconcile net income to net cash flow provided by operating activities:      
Non-cash portion of consumer loan credit loss provision (839) 2,395 9,405
Share-based compensation expense 2,914 8,680 5,786
Depreciation and amortization expense 42,105 41,904 42,961
Amortization of debt issuance costs 1,649 1,430 1,920
Amortization of favorable/(unfavorable) lease intangibles, net 0 0 (259)
Loss on extinguishment of debt 11,737 0 0
Other Asset Impairment Charges 10,505 0 1,514
Deferred income taxes, net 14,476 7,008 7,427
Changes in operating assets and liabilities, net of business combinations:      
Fees and service charges receivable 5,474 110 (432)
Inventories purchased directly from customers, wholesalers or manufacturers 29,174 5,842 3,321
Prepaid expenses and other assets 1,400 (1,049) 681
Accounts payable, accrued liabilities and other liabilities 8,621 (3,383) 3,077
Income taxes (11,531) 4,041 14,822
Net cash flow provided by operating activities 222,264 231,596 243,429
Cash flow from investing activities:      
Loan receivables, net (1) [1] 107,008 34,406 10,125
Purchases of furniture, fixtures, equipment and improvements (37,543) (44,311) (35,677)
Purchases of store real property (45,502) (74,661) (19,996)
Acquisitions of pawn stores, net of cash acquired (44,315) (52,487) (113,699)
Net cash flow used in investing activities (20,352) (137,053) (159,247)
Cash flow from financing activities:      
Borrowings from unsecured credit facilities 354,425 257,000 416,000
Repayments of unsecured credit facilities (569,933) (217,000) (228,000)
Issuance of senior unsecured notes due 2028 500,000 0 0
Redemption of senior unsecured notes due 2024 (300,000) 0 0
Redemption premium and other redemption costs on senior unsecured notes due 2024 (8,781) 0 0
Debt issuance costs paid (7,963) (1,149) (948)
Purchases of treasury stock (106,970) (116,105) (273,660)
Proceeds from exercise of stock options 1,140 400 400
Payment of minimum withholding taxes on net share settlement of stock options exercised (3,668) 0 0
Dividends paid (44,752) (43,952) (40,853)
Net cash flow used in financing activities (186,502) (120,806) (127,061)
Effect of exchange rates on cash 3,913 997 249
Change in cash and cash equivalents 19,323 (25,266) (42,630)
Cash and cash equivalents at beginning of the year 46,527 71,793 114,423
Cash and cash equivalents at end of the year 65,850 46,527 71,793
Supplemental disclosure of cash flow information:      
Interest 21,033 32,680 27,121
Income taxes 34,186 48,867 29,597
Supplemental disclosure of non-cash investing and financing activity:      
Non-cash transactions in connection with pawn loans settled through forfeitures of collateral transferred to inventories $ 340,891 $ 500,744 $ 492,743
[1] Includes the funding of new loans net of cash repayments and recovery of principal through the sale of inventories acquired from forfeiture of pawn collateral.