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Segment Information
9 Months Ended
Sep. 30, 2021
Segment Reporting [Abstract]  
Segment Information Segment Information
The Company organizes its operations into two reportable segments as follows:

U.S. operations
Latin America operations - includes operations in Mexico, Guatemala, Colombia and El Salvador

Corporate expenses and income, which include administrative expenses, corporate depreciation and amortization, interest expense, interest income, merger and acquisition expenses, loss (gain) on foreign exchange, write-offs of certain lease intangibles and impairments of certain other assets, are incurred or earned in both the U.S. and Latin America, but presented on a consolidated basis and are not allocated between the U.S. operations segment and Latin America operations segment.

The following tables present reportable segment information for the three and nine month periods ended September 30, 2021 and 2020 (in thousands):

Three Months Ended September 30, 2021
 U.S.
Operations
Latin America
Operations
CorporateConsolidated
Revenue:   
Retail merchandise sales$167,257 $101,469 $— $268,726 
Pawn loan fees76,674 44,691 — 121,365 
Wholesale scrap jewelry sales4,168 5,415 — 9,583 
Total revenue248,099 151,575 — 399,674 
Cost of revenue:    
Cost of retail merchandise sold93,326 64,731 — 158,057 
Cost of wholesale scrap jewelry sold3,778 4,750 — 8,528 
Total cost of revenue97,104 69,481 — 166,585 
Net revenue150,995 82,094 — 233,089 
Expenses and other income:    
Store operating expenses93,247 45,372 — 138,619 
Administrative expenses— — 30,208 30,208 
Depreciation and amortization5,662 4,591 964 11,217 
Interest expense— — 7,961 7,961 
Interest income— — (143)(143)
Merger and acquisition expenses— — 12 12 
Loss on foreign exchange— — 558 558 
Write-off of certain Cash America merger related lease intangibles— — 361 361 
Total expenses and other income98,909 49,963 39,921 188,793 
Income (loss) before income taxes$52,086 $32,131 $(39,921)$44,296 
Three Months Ended September 30, 2020
 U.S.
Operations
Latin America
Operations
CorporateConsolidated
Revenue:   
Retail merchandise sales$151,618 $83,364 $— $234,982 
Pawn loan fees66,180 33,390 — 99,570 
Wholesale scrap jewelry sales12,692 12,589 — 25,281 
Consumer loan and credit services fees57 — — 57 
Total revenue230,547 129,343 — 359,890 
Cost of revenue:    
Cost of retail merchandise sold84,673 52,557 — 137,230 
Cost of wholesale scrap jewelry sold10,316 9,502 — 19,818 
Consumer loan and credit services loss provision104 — — 104 
Total cost of revenue95,093 62,059 — 157,152 
Net revenue135,454 67,284 — 202,738 
Expenses and other income:    
Store operating expenses92,678 39,383 — 132,061 
Administrative expenses— — 24,354 24,354 
Depreciation and amortization5,390 3,903 1,133 10,426 
Interest expense— — 6,561 6,561 
Interest income— — (499)(499)
Merger and acquisition expenses— — 
Gain on foreign exchange— — (432)(432)
Write-off of certain Cash America merger related lease intangibles— — 837 837 
Loss on extinguishment of debt— — 11,737 11,737 
Total expenses and other income98,068 43,286 43,698 185,052 
Income (loss) before income taxes$37,386 $23,998 $(43,698)$17,686 
Nine Months Ended September 30, 2021
U.S.
Operations
Latin America
Operations
CorporateConsolidated
Revenue:   
Retail merchandise sales$530,468 $275,867 $— $806,335 
Pawn loan fees220,013 126,783 — 346,796 
Wholesale scrap jewelry sales20,217 23,843 — 44,060 
Total revenue770,698 426,493 — 1,197,191 
Cost of revenue:    
Cost of retail merchandise sold295,455 173,179 — 468,634 
Cost of wholesale scrap jewelry sold16,678 20,979 — 37,657 
Total cost of revenue312,133 194,158 — 506,291 
Net revenue458,565 232,335 — 690,900 
Expenses and other income:    
Store operating expenses282,068 133,003 — 415,071 
Administrative expenses— — 88,605 88,605 
Depreciation and amortization16,391 13,388 2,952 32,731 
Interest expense— — 22,389 22,389 
Interest income— — (420)(420)
Merger and acquisition expenses— — 1,264 1,264 
Loss on foreign exchange— — 248 248 
Write-off of certain Cash America merger related lease intangibles— — 1,640 1,640 
Total expenses and other income298,459 146,391 116,678 561,528 
Income (loss) before income taxes$160,106 $85,944 $(116,678)$129,372 
Nine Months Ended September 30, 2020
U.S.
Operations
Latin America
Operations
CorporateConsolidated
Revenue:   
Retail merchandise sales$556,528 $262,483 $— $819,011 
Pawn loan fees235,937 107,738 — 343,675 
Wholesale scrap jewelry sales37,727 36,710 — 74,437 
Consumer loan and credit services fees2,003 — — 2,003 
Total revenue832,195 406,931 — 1,239,126 
Cost of revenue:    
Cost of retail merchandise sold325,863 167,573 — 493,436 
Cost of wholesale scrap jewelry sold32,754 28,268 — 61,022 
Consumer loan and credit services loss provision(480)— — (480)
Total cost of revenue358,137 195,841 — 553,978 
Net revenue474,058 211,090 — 685,148 
Expenses and other income:    
Store operating expenses303,686 122,926 — 426,612 
Administrative expenses— — 85,642 85,642 
Depreciation and amortization16,352 11,568 3,504 31,424 
Interest expense— — 21,953 21,953 
Interest income— — (1,209)(1,209)
Merger and acquisition expenses— — 209 209 
Loss on foreign exchange— — 1,639 1,639 
Write-off of certain Cash America merger related lease intangibles— — 4,649 4,649 
Loss on extinguishment of debt— — 11,737 11,737 
Impairment of certain other assets— — 1,900 1,900 
Total expenses and other income320,038 134,494 130,024 584,556 
Income (loss) before income taxes$154,020 $76,596 $(130,024)$100,592