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CONDENSED CONSOLIDATED STATEMENTS OF INCOME - USD ($)
$ in Thousands
3 Months Ended 9 Months Ended
Sep. 30, 2021
Sep. 30, 2020
Sep. 30, 2021
Sep. 30, 2020
Revenue:        
Retail merchandise sales $ 268,726 $ 234,982 $ 806,335 $ 819,011
Pawn loan fees 121,365 99,570 346,796 343,675
Wholesale scrap jewelry sales 9,583 25,281 44,060 74,437
Consumer loan and credit services fees 0 57 0 2,003
Total revenue 399,674 359,890 1,197,191 1,239,126
Cost of revenue:        
Cost of retail merchandise sold 158,057 137,230 468,634 493,436
Cost of wholesale scrap jewelry sold 8,528 19,818 37,657 61,022
Consumer loan and credit services loss provision 0 104 0 (480)
Total cost of revenue 166,585 157,152 506,291 553,978
Net revenue 233,089 202,738 690,900 685,148
Expenses and other income:        
Store operating expenses 138,619 132,061 415,071 426,612
Administrative expenses 30,208 24,354 88,605 85,642
Depreciation and amortization 11,217 10,426 32,731 31,424
Interest expense 7,961 6,561 22,389 21,953
Interest income (143) (499) (420) (1,209)
Merger and acquisition expenses 12 7 1,264 209
Loss (gain) on foreign exchange 558 (432) 248 1,639
Write-off of certain Cash America merger related lease intangibles 361 837 1,640 4,649
Impairment of certain other assets 0 0 0 1,900
Total expenses and other income 188,793 185,052 561,528 584,556
Income (loss) before income taxes 44,296 17,686 129,372 100,592
Provision for income taxes 10,900 2,624 33,834 26,739
Net income $ 33,396 $ 15,062 $ 95,538 $ 73,853
Earnings per share:        
Basic (USD per share) $ 0.83 $ 0.36 $ 2.34 $ 1.78
Diluted (USD per share) $ 0.82 $ 0.36 $ 2.34 $ 1.77