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CONSOLIDATED STATEMENTS OF INCOME - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2023
Dec. 31, 2022
Dec. 31, 2021
Revenue:      
Retail merchandise sales $ 1,381,272 $ 1,261,136 $ 1,134,249
Pawn loan fees 658,536 561,390 475,782
Leased merchandise income 752,682 622,163 22,720
Interest and fees on finance receivables 233,818 181,280 9,024
Wholesale scrap jewelry sales 125,488 102,973 57,190
Total revenue 3,151,796 2,728,942 1,698,965
Cost of revenue:      
Cost of retail merchandise sold 832,393 764,553 663,464
Depreciation of leased merchandise 411,455 353,495 12,826
Provision for Lease Losses 175,858 139,502 5,442
Provision for loan losses 123,030 118,502 48,952
Cost of wholesale scrap jewelry sold 101,821 88,304 49,129
Total cost of revenue 1,644,557 1,464,356 779,813
Net revenue 1,507,239 1,264,586 919,152
Expenses and other income:      
Operating expenses 832,149 728,909 564,832
Administrative expenses 176,315 147,943 111,259
Depreciation and amortization 109,161 103,832 45,906
Interest expense 93,243 70,708 32,386
Interest income (1,469) (1,313) (696)
(Gain) loss on foreign exchange (1,529) (585) 436
Merger and acquisition expenses 7,922 3,739 15,449
Gain on revaluation of contingent acquisition consideration 0 (109,549) (17,871)
Total expenses and other income 1,214,390 940,953 752,650
Income before income taxes 292,849 323,633 166,502
Provision for income taxes 73,548 70,138 41,593
Net income $ 219,301 $ 253,495 $ 124,909
Earnings per share:      
Basic (in dollars per share) $ 4.82 $ 5.37 $ 3.05
Diluted (in dollars per share $ 4.80 $ 5.36 $ 3.04
Other Nonoperating Income (Expense) $ (1,402) $ (2,731) $ 949