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CONDENSED CONSOLIDATED STATEMENTS OF INCOME - USD ($)
$ in Thousands
3 Months Ended 9 Months Ended
Sep. 30, 2022
Sep. 30, 2021
Sep. 30, 2022
Sep. 30, 2021
Revenue:        
Retail merchandise sales $ 300,899 $ 268,726 $ 901,975 $ 806,335
Pawn loan fees 145,727 121,365 411,613 346,796
Leased merchandise income 158,089 0 455,736 0
Interest and fees on finance receivables 48,846 0 135,039 0
Wholesale scrap jewelry sales 18,582 9,583 75,235 44,060
Total revenue 672,143 399,674 1,979,598 1,197,191
Cost of revenue:        
Cost of retail merchandise sold 182,199 158,057 543,722 468,634
Depreciation of leased merchandise 86,519 0 262,830 0
Provision for lease losses 31,916 0 109,771 0
Provision for loan losses 31,956 0 83,453 0
Cost of wholesale scrap jewelry sold 16,261 8,528 64,371 37,657
Total cost of revenue 348,851 166,585 1,064,147 506,291
Net revenue 323,292 233,089 915,451 690,900
Expenses and other income:        
Operating expenses 185,547 138,619 539,398 415,071
Administrative expenses 36,951 30,208 110,882 88,605
Depreciation and amortization 25,971 11,217 77,495 32,731
Interest expense 18,282 7,961 50,749 22,389
Interest income (206) (143) (1,104) (420)
Loss (gain) on foreign exchange 255 558 (198) 248
Merger and acquisition expenses 733 12 1,712 1,264
Business Combination, Contingent Consideration Arrangements, Change in Amount of Contingent Consideration, Liability (19,800) 0 (82,789) 0
Other expenses (income), net 164 361 (2,721) 1,640
Total expenses and other income 247,897 188,793 693,424 561,528
Income (loss) before income taxes 75,395 44,296 222,027 129,372
Provision for income taxes 16,079 10,900 48,598 33,834
Net income $ 59,316 $ 33,396 $ 173,429 $ 95,538
Earnings per share:        
Basic (USD per share) $ 1.26 $ 0.83 $ 3.65 $ 2.34
Diluted (USD per share) $ 1.26 $ 0.82 $ 3.64 $ 2.34