v3.25.2
CONDENSED CONSOLIDATED STATEMENTS OF INCOME - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Jun. 30, 2025
Jun. 30, 2024
Revenue:        
Retail merchandise sales $ 385,125 $ 363,463 $ 756,181 $ 730,284
Pawn loan fees 190,822 181,046 382,693 360,581
Leased merchandise income 139,784 194,570 296,702 400,241
Interest and fees on finance receivables 76,075 56,799 149,488 114,186
Wholesale scrap jewelry sales 38,816 35,134 81,981 62,090
Total revenue 830,622 831,012 1,667,045 1,667,382
Cost of revenue:        
Cost of retail merchandise sold 230,326 218,147 454,450 441,676
Depreciation of leased merchandise 78,272 110,157 167,091 230,441
Provision for lease losses 32,543 47,653 60,105 90,663
Provision for loan losses 41,761 31,116 78,121 61,534
Cost of wholesale scrap jewelry sold 34,904 28,542 70,259 51,831
Total cost of revenue 417,806 435,615 830,026 876,145
Net revenue 412,816 395,397 837,019 791,237
Expenses and other income:        
Operating expenses 222,493 228,369 437,079 449,505
Administrative expenses 59,263 46,602 107,786 90,620
Depreciation and amortization 25,864 26,547 51,366 52,574
Interest expense 26,337 25,187 53,808 50,605
Interest income (527) (261) (1,756) (1,004)
(Gain) loss on foreign exchange (1,271) 1,437 (1,285) 1,251
Merger and acquisition expenses 2,777 1,364 3,239 1,961
Other income, net (3,199) (26) (5,514) (2,338)
Total expenses and other income 331,737 329,219 644,723 643,174
Income (loss) before income taxes 81,079 66,178 192,296 148,063
Provision for income taxes 21,274 17,105 48,900 37,622
Net income $ 59,805 $ 49,073 $ 143,396 $ 110,441
Earnings per share:        
Basic (USD per share) $ 1.35 $ 1.09 $ 3.22 $ 2.44
Diluted (USD per share) $ 1.34 $ 1.08 $ 3.21 $ 2.44