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CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
$ in Thousands
 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Cash flow from operating activities:    
Net income $ 226,203 $ 175,268
Adjustments to reconcile net income to net cash flow provided by operating activities:    
Depreciation of leased merchandise 243,119 335,369
Provision for lease losses 88,025 129,834
Provision for loan losses 118,468 102,091
Share-based compensation expense 15,153 11,568
Depreciation and amortization expense 80,400 78,507
Amortization of debt issuance costs 2,974 2,707
Net amortization of premiums, discounts and unearned origination fees on finance receivables (48,945) (25,755)
Impairments and dispositions of certain other assets 0 1,415
Deferred income taxes, net 16,709 (8,337)
Changes in operating assets and liabilities, net of business combinations:    
Accounts receivable, net (6,762) (4,244)
Inventories purchased directly from customers, wholesalers or manufacturers (13,367) (9,219)
Leased merchandise (302,432) (431,783)
Prepaid expenses and other assets (12,253) 420
Accounts payable, accrued liabilities and other liabilities (27,086) (17,513)
Income taxes (909) 1,481
Net cash flow provided by operating activities 379,297 341,809
Cash flow from investing activities:    
Pawn loans, net [1] (98,733) (69,723)
Investments in finance receivables [1] 338,295 290,715
Proceeds from finance receivables 263,139 204,529
Purchases of furniture, fixtures, equipment and improvements (37,419) (56,032)
Purchases of store real property (44,231) (54,304)
Acquisitions of pawn stores, net of cash acquired (406,874) (69,238)
Net cash flow used in investing activities (662,413) (335,483)
Cash flow from financing activities:    
Borrowings from credit facilities 689,372 389,000
Repayments of credit facilities (315,070) (757,000)
Issuance of senior unsecured notes 0 500,000
Debt issuance costs paid 0 (10,425)
Purchases of treasury stock (90,459) (85,000)
Payment of withholding taxes on net share settlements of restricted stock unit awards (5,764) (7,007)
Dividends paid (52,435) (48,755)
Net cash flow provided by (used in) financing activities 225,644 (19,187)
Effect of exchange rates on cash 12,617 (7,837)
Change in cash and cash equivalents (44,855) (20,698)
Cash and cash equivalents at beginning of the period 175,095 127,018
Cash and cash equivalents at end of the period $ 130,240 $ 106,320
[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.