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CONDENSED CONSOLIDATED STATEMENTS OF INCOME - USD ($)
$ in Thousands
3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Revenue:    
Retail merchandise sales $ 366,821 $ 327,915
Pawn loan fees 179,535 151,560
Leased merchandise income 205,671 183,438
Interest and fees on finance receivables 57,387 54,642
Wholesale scrap jewelry sales 26,956 45,184
Total revenue 836,370 762,739
Cost of revenue:    
Cost of retail merchandise sold 223,529 199,001
Depreciation of leased merchandise 120,284 101,605
Provision for lease losses 43,010 49,065
Provision for loan losses 30,418 29,285
Cost of wholesale scrap jewelry sold 23,289 35,727
Total cost of revenue 440,530 414,683
Net revenue 395,840 348,056
Expenses and other income:    
Operating expenses 221,136 199,061
Administrative expenses 43,057 39,017
Depreciation and amortization 26,027 27,111
Interest expense 25,418 20,897
Interest income (743) (517)
Gain on foreign exchange (186) (802)
Merger and acquisition expenses 597 31
Other expenses (income), net (1,351) 45
Total expenses and other income 313,955 284,843
Income (loss) before income taxes 81,885 63,213
Provision for income taxes 20,517 15,825
Net income $ 61,368 $ 47,388
Earnings per share:    
Basic (USD per share) $ 1.36 $ 1.03
Diluted (USD per share) $ 1.35 $ 1.02