v3.26.1
CONSOLIDATED STATEMENTS OF INCOME - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2026
Jun. 30, 2025
Jun. 30, 2026
Jun. 30, 2025
Revenue:        
Retail merchandise sales $ 471,263 $ 385,125 $ 936,097 $ 756,181
Pawn loan fees 258,441 190,822 525,139 382,693
Leased merchandise income 115,499 139,784 245,686 296,702
Interest and fees on retail finance products 73,962 76,075 148,297 149,488
Wholesale scrap jewelry sales 152,132 38,816 264,613 81,981
Other revenue 3,391 0 6,507 0
Total revenue 1,074,688 830,622 2,126,339 1,667,045
Cost of revenue:        
Cost of retail merchandise sold 285,619 230,326 563,668 454,450
Depreciation of leased merchandise 71,650 78,272 152,709 167,091
Provision for lease losses 24,439 32,543 54,183 60,105
Provision for loan losses 39,930 41,761 82,774 78,121
Cost of wholesale scrap jewelry sold 119,069 34,904 195,796 70,259
Other cost of revenue 312 0 1,158 0
Total cost of revenue 541,019 417,806 1,050,288 830,026
Net revenue 533,669 412,816 1,076,051 837,019
Expenses and other income:        
Operating expenses 267,738 222,493 537,167 437,079
Administrative expenses 66,825 59,263 132,603 107,786
Depreciation and amortization 32,440 25,864 63,956 51,366
Interest expense 35,702 26,337 70,230 53,808
Interest income (417) (527) (644) (1,756)
Loss (gain) on foreign exchange 1,738 (1,271) 636 (1,285)
Merger and acquisition expenses 6,358 2,777 7,223 3,239
Other income, net (3,717) (3,199) (7,250) (5,514)
Total expenses and other income 406,667 331,737 803,921 644,723
Income (loss) before income taxes 127,002 81,079 272,130 192,296
Provision for income taxes 33,535 21,274 70,961 48,900
Net income $ 93,467 $ 59,805 $ 201,169 $ 143,396
Earnings per share:        
Basic (USD per share) $ 2.13 $ 1.35 $ 4.58 $ 3.22
Diluted (USD per share) $ 2.12 $ 1.34 $ 4.56 $ 3.21