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CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2025
Mar. 31, 2024
Cash flow from operating activities:    
Net income $ 83,591 $ 61,368
Adjustments to reconcile net income to net cash flow provided by operating activities:    
Depreciation of leased merchandise 88,819 120,284
Provision for lease losses 27,562 43,010
Provision for loan losses 36,360 30,418
Share-based compensation expense 4,462 4,101
Depreciation and amortization expense 25,502 26,027
Amortization of debt issuance costs 980 819
Net amortization of premiums, discounts and unearned origination fees on finance receivables (13,372) (6,859)
Impairments and dispositions of certain other assets 0 461
Deferred income taxes, net 1,342 (2,421)
Changes in operating assets and liabilities, net of business combinations:    
Accounts receivable, net 2,134 2,491
Inventories purchased directly from customers, wholesalers or manufacturers 812 3,912
Leased merchandise, net (91,556) (149,888)
Prepaid expenses and other assets (7,575) 1,935
Accounts payable, accrued liabilities and other liabilities (54,518) (31,722)
Income taxes 22,097 18,596
Net cash flow provided by operating activities 126,640 122,532
Cash flow from investing activities:    
Pawn loans, net [1] 19,440 25,149
Finance receivables, net (20,566) (15,311)
Purchases of furniture, fixtures, equipment and improvements (12,914) (26,427)
Purchases of store real property (6,879) (11,340)
Acquisitions of pawn stores, net of cash acquired (29,228) (1,705)
Net cash flow used in investing activities (50,147) (29,634)
Cash flow from financing activities:    
Borrowings from unsecured credit facilities 106,000 50,000
Repayments of unsecured credit facilities (129,000) (603,000)
Issuance of senior unsecured notes 0 500,000
Debt issuance costs paid 0 (9,094)
Purchases of treasury stock (59,609) 0
Payment of withholding taxes on net share settlements of restricted stock unit awards (5,764) (7,007)
Dividends paid (16,944) (15,833)
Net cash flow used in financing activities (105,317) (84,934)
Effect of exchange rates on cash (237) 88
Change in cash and cash equivalents (29,061) 8,052
Cash and cash equivalents at beginning of the period 175,095 127,018
Cash and cash equivalents at end of the period $ 146,034 $ 135,070
[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.