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CONDENSED CONSOLIDATED STATEMENTS OF INCOME - USD ($)
$ in Thousands
3 Months Ended
Mar. 31, 2025
Mar. 31, 2024
Revenue:    
Retail merchandise sales $ 371,056 $ 366,821
Pawn loan fees 191,871 179,535
Leased merchandise income 156,918 205,671
Interest and fees on finance receivables 73,413 57,387
Wholesale scrap jewelry sales 43,165 26,956
Total revenue 836,423 836,370
Cost of revenue:    
Cost of retail merchandise sold 224,124 223,529
Depreciation of leased merchandise 88,819 120,284
Provision for lease losses 27,562 43,010
Provision for loan losses 36,360 30,418
Cost of wholesale scrap jewelry sold 35,355 23,289
Total cost of revenue 412,220 440,530
Net revenue 424,203 395,840
Expenses and other income:    
Operating expenses 214,586 221,136
Administrative expenses 48,523 44,018
Depreciation and amortization 25,502 26,027
Interest expense 27,471 25,418
Interest income (1,229) (743)
Gain on foreign exchange (14) (186)
Merger and acquisition expenses 462 597
Other income, net (2,315) (2,312)
Total expenses and other income 312,986 313,955
Income (loss) before income taxes 111,217 81,885
Provision for income taxes 27,626 20,517
Net income $ 83,591 $ 61,368
Earnings per share:    
Basic (USD per share) $ 1.87 $ 1.36
Diluted (USD per share) $ 1.87 $ 1.35