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Segment Information (Tables)
3 Months Ended
Mar. 31, 2023
Segment Reporting [Abstract]  
Schedule of Reconciliation of Operating Profit (Loss) from Segments to Consolidated
The following tables present reportable segment information for the three month period ended March 31, 2023 and 2022 as well as segment earning assets (in thousands):

Three Months Ended March 31, 2023
 U.S.
Pawn
Latin America
Pawn
Retail POS
Payment
Solutions
Corporate/
Eliminations
Consolidated
Revenue:   
Retail merchandise sales$210,681 $118,937 $— $(1,703)
(1)
$327,915 
Pawn loan fees102,684 48,876 — — 151,560 
Leased merchandise income— — 183,438 — 183,438 
Interest and fees on finance receivables— — 54,642 — 54,642 
Wholesale scrap jewelry sales26,316 18,868 — — 45,184 
Total revenue339,681 186,681 238,080 (1,703)762,739 
Cost of revenue:    
Cost of retail merchandise sold121,929 77,963 — (891)
(1)
199,001 
Depreciation of leased merchandise— — 102,172 (567)
(1)
101,605 
Provision for lease losses— — 49,166 (101)
(1)
49,065 
Provision for loan losses— — 29,285 — 29,285 
Cost of wholesale scrap jewelry sold21,082 14,645 — — 35,727 
Total cost of revenue143,011 92,608 180,623 (1,559)414,683 
Net revenue (loss)196,670 94,073 57,457 (144)348,056 
Expenses and other income:    
Operating expenses109,781 55,756 33,524 — 199,061 
Administrative expenses— — — 39,017 39,017 
Depreciation and amortization5,870 5,445 736 15,060 27,111 
Interest expense— — — 20,897 20,897 
Interest income— — — (517)(517)
Gain on foreign exchange
— — — (802)(802)
Merger and acquisition expenses— — — 31 31 
Other expenses (income), net— — — 45 45 
Total expenses and other income115,651 61,201 34,260 73,731 284,843 
Income (loss) before income taxes$81,019 $32,872 $23,197 $(73,875)$63,213 

As of March 31, 2023
U.S.
Pawn
Latin America
Pawn
Retail POS
Payment
Solutions
Corporate/
Eliminations
Consolidated
Earning assets:
Pawn loans$256,773 $120,924 $— $— $377,697 
Finance receivables, net— — 102,093 — 102,093 
Inventories178,587 79,016 — — 257,603 
Leased merchandise, net— — 150,094 (1,240)
(1)
148,854 

(1)Represents the elimination of intersegment transactions related to the Company offering AFF’s LTO payment solution as a payment option in its U.S. pawn stores.
Three Months Ended March 31, 2022
 U.S.
Pawn
Latin America
Pawn
Retail POS
Payment
Solutions
Corporate/
Eliminations
Consolidated
Revenue:   
Retail merchandise sales$204,942 $97,877 $— $— $302,819 
Pawn loan fees90,339 41,480 — — 131,819 
Leased merchandise income— — 149,947 — 149,947 
Interest and fees on finance receivables— — 42,449 — 42,449 
Wholesale scrap jewelry sales16,524 16,281 — — 32,805 
Total revenue311,805 155,638 192,396 — 659,839 
Cost of revenue:    
Cost of retail merchandise sold119,718 62,496 — — 182,214 
Depreciation of leased merchandise— — 93,706 — 93,706 
Provision for lease losses— — 39,820 — 39,820 
Provision for loan losses— — 24,697 — 24,697 
Cost of wholesale scrap jewelry sold14,530 13,685 — — 28,215 
Total cost of revenue134,248 76,181 158,223 — 368,652 
Net revenue177,557 79,457 34,173 — 291,187 
Expenses and other income:    
Operating expenses98,822 45,542 28,932 — 173,296 
Administrative expenses— — — 36,863 36,863 
Depreciation and amortization5,587 4,401 682 14,872 25,542 
Interest expense— — — 16,221 16,221 
Interest income— — — (676)(676)
Gain on foreign exchange
— — — (480)(480)
Merger and acquisition expenses— — — 665 665 
Loss on revaluation of contingent acquisition consideration
— — — 2,570 2,570 
Other expenses (income), net— — — 177 177 
Total expenses and other income104,409 49,943 29,614 70,212 254,178 
Income (loss) before income taxes$73,148 $29,514 $4,559 $(70,212)$37,009 

As of March 31, 2022
U.S.
Pawn
Latin America
Pawn
Retail POS
Payment
Solutions
Consolidated
Earning assets:
Pawn loans$241,597$102,504$$344,101
Finance receivables, net140,481140,481
Inventories184,67162,605247,276
Leased merchandise, net119,147119,147