v3.26.3
CONSOLIDATED STATEMENTS OF INCOME - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2026
Sep. 30, 2025
Sep. 30, 2026
Sep. 30, 2025
Revenue:        
Retail merchandise sales $ 480,981 $ 410,968 $ 1,417,078 $ 1,167,149
Pawn loan fees 267,290 221,088 792,429 603,781
Leased merchandise income 103,057 132,540 348,743 429,242
Interest and fees on retail finance products 73,749 81,683 222,046 231,171
Wholesale scrap jewelry sales 172,541 86,710 437,154 168,691
Other revenue 3,549 2,590 10,056 2,590
Total revenue 1,101,167 935,579 3,227,506 2,602,624
Cost of revenue:        
Cost of retail merchandise sold 294,274 248,723 857,942 703,173
Depreciation of leased merchandise 63,113 76,028 215,822 243,119
Provision for lease losses 17,021 27,920 71,204 88,025
Provision for loan losses 40,790 40,347 123,564 118,468
Cost of wholesale scrap jewelry sold 140,159 68,220 335,955 138,479
Other cost of revenue 267 634 1,425 634
Total cost of revenue 555,624 461,872 1,605,912 1,291,898
Net revenue 545,543 473,707 1,621,594 1,310,726
Expenses and other income:        
Operating expenses 269,106 236,528 806,273 673,607
Administrative expenses 66,723 58,845 199,326 166,631
Depreciation and amortization 32,283 29,034 96,239 80,400
Interest expense 37,678 32,216 107,908 86,024
Interest income (434) (908) (1,078) (2,664)
(Gain) loss on foreign exchange (435) (219) 201 (1,504)
Merger and acquisition expenses 3,760 9,472 10,983 12,711
Other income, net (1,805) (3,740) (9,055) (9,254)
Total expenses and other income 406,876 361,228 1,210,797 1,005,951
Income (loss) before income taxes 138,667 112,479 410,797 304,775
Provision for income taxes 37,515 29,672 108,476 78,572
Net income $ 101,152 $ 82,807 $ 302,321 $ 226,203
Earnings per share:        
Basic (USD per share) $ 2.35 $ 1.87 $ 6.93 $ 5.09
Diluted (USD per share) $ 2.33 $ 1.86 $ 6.89 $ 5.07