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CONSOLIDATED STATEMENTS OF INCOME - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2021
Dec. 31, 2020
Dec. 31, 2019
Revenue:      
Retail merchandise sales $ 1,134,249 $ 1,075,518 $ 1,175,561
Pawn loan fees 475,782 457,517 564,824
Leased merchandise income 22,720 0 0
Interest and fees on finance receivables 9,024 2,016 20,178
Wholesale scrap jewelry sales 57,190 96,233 103,876
Total revenue 1,698,965 1,631,284 1,864,439
Cost of revenue:      
Cost of retail merchandise sold 663,464 641,087 745,861
Depreciation of leased merchandise 12,826 0 0
Provision for Lease Losses 5,442 0 0
Provision for loan losses (1) 48,952 (488) 4,159
Cost of wholesale scrap jewelry sold 49,129 79,546 96,072
Total cost of revenue 779,813 720,145 846,092
Net revenue 919,152 911,139 1,018,347
Expenses and other income:      
Operating expenses 564,832 562,158 595,539
Administrative expenses 111,259 110,931 122,334
Depreciation and amortization 45,906 42,105 41,904
Interest expense 32,386 29,344 34,035
Interest income (696) (1,540) (1,055)
Loss (gain) on foreign exchange 436 884 (787)
Merger and acquisition expenses 15,449 1,316 1,766
Gain on revaluation of contingent acquisition consideration (17,871) 0 0
Impairments and dispositions of certain other assets 949 10,505 0
Loss on extinguishment of debt 0 11,737 0
Total expenses and other income 752,650 767,440 793,736
Income before income taxes 166,502 143,699 224,611
Provision for income taxes 41,593 37,120 59,993
Net income $ 124,909 $ 106,579 $ 164,618
Earnings per share:      
Basic (in dollars per share) $ 3.05 $ 2.57 $ 3.83
Diluted (in dollars per share $ 3.04 $ 2.56 $ 3.81