XML 15 R3.htm IDEA: XBRL DOCUMENT v3.24.3
CONDENSED CONSOLIDATED STATEMENTS OF INCOME - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2024
Sep. 30, 2023
Sep. 30, 2024
Sep. 30, 2023
Revenue:        
Retail merchandise sales $ 363,141 $ 335,081 $ 1,093,425 $ 983,860
Pawn loan fees 186,561 174,560 547,142 480,298
Leased merchandise income 188,560 189,382 588,801 562,625
Interest and fees on finance receivables 61,198 61,413 175,384 174,247
Wholesale scrap jewelry sales 37,861 25,865 99,951 98,632
Total revenue 837,321 786,301 2,504,703 2,299,662
Cost of revenue:        
Cost of retail merchandise sold 218,178 199,719 659,854 590,991
Depreciation of leased merchandise 104,928 103,698 335,369 307,824
Provision for lease losses 39,171 39,736 129,834 141,674
Provision for loan losses 40,557 33,096 102,091 90,571
Cost of wholesale scrap jewelry sold 29,880 21,405 81,711 79,012
Total cost of revenue 432,714 397,654 1,308,859 1,210,072
Net revenue 404,607 388,647 1,195,844 1,089,590
Expenses and other income:        
Operating expenses 224,926 211,524 674,431 615,366
Administrative expenses 40,930 45,056 129,563 124,428
Depreciation and amortization 25,933 27,365 78,507 81,526
Interest Expense, Operating 27,424 24,689 78,029 66,657
Interest income (403) (328) (1,407) (1,253)
Loss (gain) on foreign exchange 882 (286) 2,133 (1,905)
Merger and acquisition expenses 225 3,387 2,186 3,670
Other expenses (income), net (490) (384) (841) (260)
Total expenses and other income 319,427 311,023 962,601 888,229
Income (loss) before income taxes 85,180 77,624 233,243 201,361
Provision for income taxes 20,353 20,480 57,975 51,649
Net income $ 64,827 $ 57,144 $ 175,268 $ 149,712
Earnings per share:        
Basic (USD per share) $ 1.45 $ 1.27 $ 3.89 $ 3.29
Diluted (USD per share) $ 1.44 $ 1.26 $ 3.88 $ 3.27