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CONSOLIDATED STATEMENTS OF INCOME - USD ($)
$ in Thousands
3 Months Ended 12 Months Ended
Dec. 31, 2019
Sep. 30, 2019
Jun. 30, 2019
Mar. 31, 2019
Dec. 31, 2018
Sep. 30, 2018
Jun. 30, 2018
Mar. 31, 2018
Dec. 31, 2019
Dec. 31, 2018
Dec. 31, 2017
Revenue:                      
Retail merchandise sales                 $ 1,175,561 $ 1,091,614 $ 1,051,099
Pawn loan fees                 564,824 525,146 510,905
Wholesale scrap jewelry sales                 103,876 107,821 140,842
Consumer loan and credit services fees                 20,178 56,277 76,976
Total revenue $ 498,362 $ 452,459 $ 446,014 $ 467,604 $ 481,208 $ 429,878 $ 419,972 $ 449,800 1,864,439 1,780,858 1,779,822
Cost of revenue:                      
Cost of retail merchandise sold                 745,861 696,666 679,703
Cost of wholesale scrap jewelry sold                 96,072 99,964 132,794
Consumer loan and credit services loss provision                 4,159 17,461 19,819
Total cost of revenue 231,098 201,480 201,709 211,805 219,208 192,620 191,544 210,719 846,092 814,091 832,316
Net revenue 267,264 250,979 244,305 255,799 262,000 237,258 228,428 239,081 1,018,347 966,767 947,506
Expenses and other income:                      
Store operating expenses                 595,539 563,321 552,191
Administrative expenses                 122,334 120,042 122,473
Depreciation and amortization                 41,904 42,961 55,233
Interest expense                 34,035 29,173 24,035
Interest income                 (1,055) (2,444) (1,597)
Merger and other acquisition expenses                 1,766 7,643 9,062
(Gain) loss on foreign exchange                 (787) 762 (317)
Loss on extinguishment of debt                 0 0 14,114
Total expenses and other income 195,746 202,015 199,019 196,956 198,824 193,175 186,157 183,302 793,736 761,458 775,194
Income before income taxes                 224,611 205,309 172,312
Provision for income taxes                 59,993 52,103 28,420
Net income $ 54,154 $ 34,761 $ 33,048 $ 42,655 $ 48,075 $ 33,325 $ 30,171 $ 41,635 $ 164,618 $ 153,206 $ 143,892
Earnings per share:                      
Basic (in dollars per share)                 $ 3.83 $ 3.42 $ 3.01
Diluted (in dollars per share $ 1.27 $ 0.81 $ 0.76 $ 0.98 $ 1.09 $ 0.76 $ 0.67 $ 0.90 $ 3.81 $ 3.41 $ 3.00