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CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2022
Dec. 31, 2021
Dec. 31, 2020
Cash flow from operating activities:      
Net income $ 253,495 $ 124,909 $ 106,579
Adjustments to reconcile net income to net cash flow provided by operating activities:      
Depreciation of leased merchandise 353,495 12,826 0
Provision for lease losses 139,502 5,442 0
Provision for loan losses 118,502 48,952 (839)
Share-based compensation expense 10,853 5,150 2,914
Depreciation and amortization expense 103,832 45,906 42,105
Amortization of debt issuance costs 2,962 1,671 1,649
Net amortization of premiums, discounts and unearned origination fees on finance receivables 44,378 1,132 0
Gain on revaluation of contingent acquisition consideration (109,549) (17,871) 0
Other expenses (income), net 1,722 949 10,505
Loss on extinguishment of debt 0 0 11,737
Deferred income taxes, net 42,488 10,722 14,476
Changes in operating assets and liabilities, net of business combinations:      
Accounts receivable, net (1,217) (2,492) 5,474
Inventories purchased directly from customers, wholesalers or manufacturers (3,141) (27,006) 29,174
Prepaid expenses and other assets (502,355) (22,563) 0
Prepaid expenses and other assets (3,419) 3,094 1,400
Accounts payable, accrued liabilities and other liabilities 19,993 26,180 8,621
Income taxes (2,236) 6,303 (11,531)
Net cash flow provided by operating activities 469,305 223,304 222,264
Cash flow from investing activities:      
Pawn loans, net (35,817) (73,340) 105,418
Finance receivables, net (85,353) (5,844) 1,590
Purchases of furniture, fixtures, equipment and improvements (35,586) (42,022) (37,543)
Purchases of store real property (82,902) (79,507) (45,502)
Portion of AFF Acquisition paid in cash, net of cash acquired (25,000) (462,102) 0
Acquisitions of pawn stores, net of cash acquired (71,785) (81,822) (44,315)
Net cash flow used in investing activities (336,443) (744,637) (20,352)
Cash flow from financing activities:      
Borrowings from unsecured credit facilities 286,000 560,000 354,425
Repayments of unsecured credit facilities (206,000) (424,000) (569,933)
Issuance of senior unsecured notes 0 550,000 500,000
Redemption of senior unsecured notes 0 0 (300,000)
Redemption premium and other redemption costs on senior unsecured notes 0 0 (8,781)
Debt issuance costs paid (1,838) (10,581) (7,963)
Purchases of treasury stock (157,864) (49,610) (106,970)
Proceeds from exercise of stock options 0 380 1,140
Payment of minimum withholding taxes on net share settlement of stock options exercised 0 (1,663) (3,668)
Payments of Dividends (59,571) (47,533) (44,752)
Net cash flow (used in) provided by financing activities (139,273) 576,993 (186,502)
Effect of Exchange Rate on Cash, Cash Equivalents, Restricted Cash, and Restricted Cash Equivalents, Continuing Operations 3,695 (1,464) 3,913
Change in cash and cash equivalents (2,716) 54,196 19,323
Supplemental disclosure of cash flow information:      
Interest 52,891 29,461 21,033
Income taxes 30,069 24,563 34,186
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 502,964 430,306 340,891
Stock Issued During Period, Value, Acquisitions 0 505,546 0
Cash, Cash Equivalents, Restricted Cash, and Restricted Cash Equivalents $ 117,330 $ 120,046 $ 65,850