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CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
$ in Thousands
 9 Months Ended
Sep. 30, 2024
Sep. 30, 2023
Cash flow from operating activities:    
Net income $ 175,268 $ 149,712
Adjustments to reconcile net income to net cash flow provided by operating activities:    
Depreciation of leased merchandise 335,369 307,824
Provision for lease losses 129,834 141,674
Provision for loan losses 102,091 90,571
Share-based compensation expense 11,568 10,125
Depreciation and amortization expense 78,507 81,526
Amortization of debt issuance costs 2,707 2,067
Net amortization of premiums, discounts and unearned origination fees on finance receivables (25,755) (12,390)
Impairments and dispositions of certain other assets 1,415 346
Deferred income taxes, net (8,337) (12,000)
Changes in operating assets and liabilities, net of business combinations:    
Accounts receivable, net (4,244) (9,998)
Inventories purchased directly from customers, wholesalers or manufacturers (9,219) (939)
Leased merchandise, net (431,783) (439,365)
Prepaid expenses and other assets 420 (427)
Accounts payable, accrued liabilities and other liabilities (17,513) (7,594)
Income taxes 1,481 15,905
Net cash flow provided by operating activities 341,809 317,037
Cash flow from investing activities:    
Pawn loans, net [1] (69,723) (59,426)
Finance receivables, net (86,186) (87,994)
Purchases of furniture, fixtures, equipment and improvements (56,032) (46,723)
Purchases of store real property (54,304) (46,677)
Acquisitions of pawn stores, net of cash acquired (69,238) (168,353)
Net cash flow used in investing activities (335,483) (409,173)
Cash flow from financing activities:    
Borrowings from unsecured credit facilities 389,000 545,835
Repayments of unsecured credit facilities (757,000) (322,967)
Issuance of senior unsecured notes 500,000 0
Debt issuance costs paid (10,425) (90)
Purchases of treasury stock (85,000) (115,521)
Payment of withholding taxes on net share settlements of restricted stock unit awards (7,007) (2,463)
Dividends paid (48,755) (46,087)
Net cash flow (used in) provided by financing activities (19,187) 58,707
Effect of exchange rates on cash (7,837) 2,646
Change in cash and cash equivalents (20,698) (30,783)
Cash and cash equivalents at beginning of the period 127,018 117,330
Cash and cash equivalents at end of the period $ 106,320 $ 86,547
[1] Includes the funding of new pawn loans net of cash repayments and recovery of principal through the sale of inventories acquired from forfeiture of pawn collateral.