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Operating Segment Information (Tables)
9 Months Ended
Sep. 30, 2014
Segment Reporting, Measurement Disclosures [Abstract]  
Current Classification Of Administrative And Operating Expenses
The following tables contain operating segment data for the three and nine months ended September 30, 2014 and 2013 by segment, for the Company’s corporate operations and on a consolidated basis (dollars in thousands):
 
 
Retail Services
 
E-Commerce
 
 
 
 
 
Domestic
 
Foreign
 
Total
 
Domestic
 
Foreign
 
Admin
 
Total
 
Corporate
 
Consolidated
Three Months Ended September 30, 2014
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Revenue
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Pawn loan fees and service charges
$
84,081

 
$
1,232

 
$
85,313

 
$

 
$

 
$

 
$

 
$

 
$
85,313

Proceeds from disposition of merchandise
151,399

 
3,688

 
155,087

 

 

 

 

 

 
155,087

Consumer loan fees
24,831

 

 
24,831

 
126,123

 
78,481

 

 
204,604

 

 
229,435

Other
1,564

 
38

 
1,602

 
7

 
557

 

 
564

 
177

 
2,343

Total revenue
261,875

 
4,958

 
266,833

 
126,130

 
79,038

 

 
205,168

 
177

 
472,178

Cost of revenue
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Disposed merchandise
111,216

 
3,077

 
114,293

 

 

 

 

 

 
114,293

Consumer loan loss provision
8,614

 

 
8,614

 
55,058

 
17,861

 

 
72,919

 

 
81,533

Total cost of revenue
119,830

 
3,077

 
122,907

 
55,058

 
17,861

 

 
72,919

 

 
195,826

Net revenue
142,045

 
1,881

 
143,926

 
71,072

 
61,177

 

 
132,249

 
177

 
276,352

Expenses
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Operations and administration
100,128

 
1,740

 
101,868

 
32,201

 
23,238

 
25,857

 
81,296

 
22,567

 
205,731

Loss on divestitures
273

 
4,903

 
5,176

 

 

 

 

 

 
5,176

Depreciation and amortization
9,931

 
280

 
10,211

 
2,618

 
601

 
2,119

 
5,338

 
4,895

 
20,444

Total expenses
110,332

 
6,923

 
117,255

 
34,819

 
23,839

 
27,976

 
86,634

 
27,462

 
231,351

Income (loss) from operations
$
31,713

 
$
(5,042
)
 
$
26,671

 
$
36,253

 
$
37,338

 
$
(27,976
)
 
$
45,615

 
$
(27,285
)
 
$
45,001

As of September 30, 2014
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total assets
 
 
 
 
$
1,385,469

 
 
 
 
 
 
 
$
714,876

 
 
 
$
2,100,345

Goodwill
 
 
 
 
$
488,700

 
 
 
 
 
 
 
$
210,361

 
 
 
$
699,061

 
 
Retail Services
 
E-Commerce
 
 
 
 
 
Domestic
 
Foreign
 
Total
 
Domestic
 
Foreign
 
Admin
 
Total
 
Corporate
 
Consolidated
Three Months Ended September 30, 2013
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Revenue
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Pawn loan fees and service charges
$
77,532

 
$
1,766

 
$
79,298

 
$

 
$

 
$

 
$

 
$

 
$
79,298

Proceeds from disposition of merchandise
124,352

 
4,308

 
128,660

 

 

 

 

 

 
128,660

Consumer loan fees
29,504

 

 
29,504

 
104,954

 
93,105

 

 
198,059

 

 
227,563

Other
1,731

 
66

 
1,797

 
249

 
69

 

 
318

 
165

 
2,280

Total revenue
233,119

 
6,140

 
239,259

 
105,203

 
93,174

 

 
198,377

 
165

 
437,801

Cost of revenue
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Disposed merchandise
87,530

 
3,571

 
91,101

 

 

 

 

 

 
91,101

Consumer loan loss provision
10,037

 

 
10,037

 
49,225

 
40,431

 

 
89,656

 

 
99,693

Total cost of revenue
97,567

 
3,571

 
101,138

 
49,225

 
40,431

 

 
89,656

 

 
190,794

Net revenue
135,552

 
2,569

 
138,121

 
55,978

 
52,743

 

 
108,721

 
165

 
247,007

Expenses
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Operations and administration
111,220

 
2,831

 
114,051

 
30,445

 
25,245

 
15,556

 
71,246

 
14,408

 
199,705

Depreciation and amortization
9,878

 
764

 
10,642

 
1,906

 
706

 
1,346

 
3,958

 
4,183

 
18,783

Total expenses
121,098

 
3,595

 
124,693

 
32,351

 
25,951

 
16,902

 
75,204

 
18,591

 
218,488

Income (loss) from operations
$
14,454

 
$
(1,026
)
 
$
13,428

 
$
23,627

 
$
26,792

 
$
(16,902
)
 
$
33,517

 
$
(18,426
)
 
$
28,519

As of September 30, 2013
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total assets
 
 
 
 
$
1,354,074

 
 
 
 
 
 
 
$
633,518

 
 
 
$
1,987,592

Goodwill
 
 
 
 
$
459,669

 
 
 
 
 
 
 
$
210,368

 
 
 
$
670,037


 
Retail Services
 
E-Commerce
 
 
 
 
 
Domestic
 
Foreign
 
Total
 
Domestic
 
Foreign
 
Admin
 
Total
 
Corporate
 
Consolidated
Nine Months Ended September 30, 2014
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Revenue
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Pawn loan fees and service charges
$
241,459

 
$
5,031

 
$
246,490

 
$

 
$

 
$

 
$

 
$

 
$
246,490

Proceeds from disposition of merchandise
466,016

 
12,298

 
478,314

 

 

 

 

 

 
478,314

Consumer loan fees
74,490

 

 
74,490

 
343,922

 
270,544

 

 
614,466

 

 
688,956

Other
5,284

 
168

 
5,452

 
81

 
568

 

 
649

 
507

 
6,608

Total revenue
787,249

 
17,497

 
804,746

 
344,003

 
271,112

 

 
615,115

 
507

 
1,420,368

Cost of revenue
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Disposed merchandise
333,651

 
9,716

 
343,367

 

 

 

 

 

 
343,367

Consumer loan loss provision
24,061

 

 
24,061

 
122,422

 
83,239

 

 
205,661

 

 
229,722

Total cost of revenue
357,712

 
9,716

 
367,428

 
122,422

 
83,239

 

 
205,661

 

 
573,089

Net revenue
429,537

 
7,781

 
437,318

 
221,581

 
187,873

 

 
409,454

 
507

 
847,279

Expenses
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Operations and administration
301,470

 
8,375

 
309,845

 
81,425

 
72,419

 
67,883

 
221,727

 
60,720

 
592,292

Loss on divestitures
273

 
4,903

 
5,176

 

 

 

 

 

 
5,176

Depreciation and amortization
30,357

 
1,104

 
31,461

 
6,577

 
1,683

 
5,512

 
13,772

 
13,969

 
59,202

Total expenses
332,100

 
14,382

 
346,482

 
88,002

 
74,102

 
73,395

 
235,499

 
74,689

 
656,670

Income (loss) from operations
$
97,437

 
$
(6,601
)
 
$
90,836

 
$
133,579

 
$
113,771

 
$
(73,395
)
 
$
173,955

 
$
(74,182
)
 
$
190,609

 
Retail Services
 
E-Commerce
 
 
 
 
 
Domestic
 
Foreign
 
Total
 
Domestic
 
Foreign
 
Admin
 
Total
 
Corporate
 
Consolidated
Nine Months Ended September 30, 2013
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Revenue
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Pawn loan fees and service charges
$
222,508

 
$
5,432

 
$
227,940

 
$

 
$

 
$

 
$

 
$

 
$
227,940

Proceeds from disposition of merchandise
425,716

 
13,193

 
438,909

 

 

 

 

 

 
438,909

Consumer loan fees
84,473

 

 
84,473

 
283,097

 
272,629

 

 
555,726

 

 
640,199

Other
6,149

 
417

 
6,566

 
1,051

 
92

 

 
1,143

 
1,552

 
9,261

Total revenue
738,846

 
19,042

 
757,888

 
284,148

 
272,721

 

 
556,869

 
1,552

 
1,316,309

Cost of revenue
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Disposed merchandise
290,569

 
10,828

 
301,397

 

 

 

 

 

 
301,397

Consumer loan loss provision
23,927

 

 
23,927

 
112,391

 
115,456

 

 
227,847

 

 
251,774

Total cost of revenue
314,496

 
10,828

 
325,324

 
112,391

 
115,456

 

 
227,847

 

 
553,171

Net revenue
424,350

 
8,214

 
432,564

 
171,757

 
157,265

 

 
329,022

 
1,552

 
763,138

Expenses
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Operations and administration
291,409

 
9,432

 
300,841

 
73,688

 
76,176

 
52,071

 
201,935

 
50,695

 
553,471

Depreciation and amortization
27,579

 
1,593

 
29,172

 
6,866

 
2,101

 
4,019

 
12,986

 
12,156

 
54,314

Total expenses
318,988

 
11,025

 
330,013

 
80,554

 
78,277

 
56,090

 
214,921

 
62,851

 
607,785

Income (loss) from operations
$
105,362

 
$
(2,811
)
 
$
102,551

 
$
91,203

 
$
78,988

 
$
(56,090
)
 
$
114,101

 
$
(61,299
)
 
$
155,353