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Segment and Geographic Information
 12 Months Ended
Dec. 31, 2021
Segment Reporting [Abstract]  
Segment and Geographic Information SEGMENT AND GEOGRAPHIC INFORMATION
Segment Information

The Company organizes its operations into three reportable segments as follows:

•U.S. pawn
•Latin America pawn
•Retail POS payment solutions (AFF)

Corporate expenses and income, which include administrative expenses, corporate depreciation and amortization, interest expense, interest income, merger and acquisition expenses and loss (gain) on foreign exchange, write-offs of certain lease intangibles and impairments of certain other assets, are presented on a consolidated basis and are not allocated between the U.S. pawn segment, Latin America pawn segment and retail POS payment solutions segment.
The following tables present reportable segment information for the years ended December 31, 2021, 2020 and 2019 as well as separately identified segment assets (in thousands):

Year Ended December 31, 2021
 U.S.
Pawn		Latin America
Pawn		Retail POS
Payment
Solutions		CorporateConsolidated
Revenue:   
Retail merchandise sales$742,374 $391,875 $— $— $1,134,249 
Pawn loan fees305,350 170,432 — — 475,782 
Leased merchandise income— — 22,720 — 22,720 
Interest and fees on finance receivables— — 9,024 — 9,024 
Wholesale scrap jewelry sales27,163 30,027 — — 57,190 
Total revenue1,074,887 592,334 31,744 — 1,698,965 
Cost of revenue:    
Cost of retail merchandise sold416,039 247,425 — — 663,464 
Depreciation of leased merchandise— — 12,826 — 12,826 
Provision for lease losses— — 5,442 — 5,442 
Provision for loan losses— — 48,952 — 48,952 
Cost of wholesale scrap jewelry sold22,886 26,243 — — 49,129 
Total cost of revenue438,925 273,668 67,220 — 779,813 
Net revenue (loss)635,962 318,666 (35,476)— 919,152 
Expenses and other income:    
Store operating expenses380,895 179,020 4,917 — 564,832 
Administrative expenses— — — 111,259 111,259 
Depreciation and amortization22,234 17,834 122 5,716 45,906 
Interest expense— — — 32,386 32,386 
Interest income— — — (696)(696)
Loss on foreign exchange— — — 436 436 
Merger and acquisition expenses— — — 15,449 15,449 
Gain on revaluation of contingent acquisition consideration— — — (17,871)(17,871)
Impairments and dispositions of certain other assets— — — 949 949 
Total expenses and other income403,129 196,854 5,039 147,628 752,650 
Income (loss) before income taxes$232,833 $121,812 $(40,515)$(147,628)$166,502 


As of December 31, 2021
U.S.
Pawn		Latin America
Pawn		Retail POS
Payment
Solutions		CorporateConsolidated
Pawn loans$256,311 $91,662 $— $— $347,973 
Finance receivables, net— — 181,021 — 181,021 
Inventories197,486 65,825 — — 263,311 
Leased merchandise, net— — 143,944 — 143,944 
Goodwill861,793 171,279 503,106 — 1,536,178 
Total assets1,944,487 562,661 1,178,729 150,575 3,836,452 
Year Ended December 31, 2020
 U.S.
Pawn		Latin America
Pawn		CorporateConsolidated
Revenue:   
Retail merchandise sales$720,281 $355,237 $— $1,075,518 
Pawn loan fees310,437 147,080 — 457,517 
Interest and fees on finance receivables (1)
2,016 — — 2,016 
Wholesale scrap jewelry sales45,405 50,828 — 96,233 
Total revenue1,078,139 553,145 — 1,631,284 
Cost of revenue:    
Cost of retail merchandise sold415,938 225,149 — 641,087 
Provision for loan losses (1)
(488)— — (488)
Cost of wholesale scrap jewelry sold39,584 39,962 — 79,546 
Total cost of revenue455,034 265,111 — 720,145 
Net revenue623,105 288,034 — 911,139 
Expenses and other income:    
Store operating expenses396,627 165,531 — 562,158 
Administrative expenses— — 110,931 110,931 
Depreciation and amortization21,743 15,816 4,546 42,105 
Interest expense— — 29,344 29,344 
Interest income— — (1,540)(1,540)
Loss on foreign exchange— — 884 884 
Merger and acquisition expenses— — 1,316 1,316 
Impairments and dispositions of certain other assets— — 10,505 10,505 
Loss on extinguishment of debt
— — 11,737 11,737 
Total expenses and other income418,370 181,347 167,723 767,440 
Income (loss) before income taxes$204,735 $106,687 $(167,723)$143,699 

(1)Effective June 30, 2020, the Company’s U.S. pawn segment ceased offering an unsecured consumer loan product in the U.S.

As of December 31, 2020
U.S.
Pawn		Latin America
Pawn		CorporateConsolidated
Pawn loans$220,391 $87,840 $— $308,231 
Inventories136,109 54,243 — 190,352 
Goodwill802,148 175,233 — 977,381 
Total assets1,718,975 540,473 112,749 2,372,197 
Year Ended December 31, 2019
 U.S.
Pawn		Latin America
Pawn		CorporateConsolidated
Revenue:   
Retail merchandise sales$722,127 $453,434 $— $1,175,561 
Pawn loan fees379,395 185,429 — 564,824 
Interest and fees on finance receivables20,178 — — 20,178 
Wholesale scrap jewelry sales71,813 32,063 — 103,876 
Total revenue1,193,513 670,926 — 1,864,439 
Cost of revenue:    
Cost of retail merchandise sold447,911 297,950 — 745,861 
Provision for loan losses4,159 — — 4,159 
Cost of wholesale scrap jewelry sold65,941 30,131 — 96,072 
Total cost of revenue518,011 328,081 — 846,092 
Net revenue675,502 342,845 — 1,018,347 
Expenses and other income:    
Store operating expenses412,508 183,031 — 595,539 
Administrative expenses— — 122,334 122,334 
Depreciation and amortization20,860 14,626 6,418 41,904 
Interest expense— — 34,035 34,035 
Interest income— — (1,055)(1,055)
Gain on foreign exchange— — (787)(787)
Merger and acquisition expenses— — 1,766 1,766 
Total expenses and other income433,368 197,657 162,711 793,736 
Income (loss) before income taxes$242,134 $145,188 $(162,711)$224,611 
    
As of December 31, 2019
U.S.
Pawn		Latin America
Pawn		CorporateConsolidated
Pawn loans$268,793 $100,734 $— $369,527 
Consumer loans, net751 — — 751 
Inventories181,320 83,936 — 265,256 
Goodwill771,311 177,332 — 948,643 
Total assets1,767,504 574,059 97,877 2,439,440 
Geographic Information

The following table shows revenue and long-lived assets (all non-current assets except operating lease right of use asset, goodwill, intangibles, net and deferred tax assets) by geographic area (in thousands):

Year Ended December 31,
202120202019
Revenue:
U.S.$1,106,631 $1,078,139 $1,193,513 
Mexico562,493 530,462 641,505 
Other Latin America29,841 22,683 29,421 
$1,698,965 $1,631,284 $1,864,439 
Long-lived assets:
U.S.$373,218 $286,079 $254,395 
Mexico84,648 82,438 80,385 
Other Latin America13,191 14,968 12,893 
$471,057 $383,485 $347,673