7Baggers

FirstCash Quarterly Cash Flow Statements Chart

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Annual
 

FirstCash Quarterly Cash Flow Statements Table

Quarterly
 | 
Annual
 
Unit: USD2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30 2022-06-30 2022-03-31 2021-12-31 2021-09-30 2021-06-30 2021-03-31 2020-12-31 2020-09-30 2020-06-30 2020-03-31 2019-12-31 2019-09-30 2019-06-30 2019-03-31 2018-12-31 2018-09-30 2018-06-30 2018-03-31 2017-12-31 2017-09-30 2017-06-30 2017-03-31 2016-12-31 2016-09-30 2016-06-30 2016-03-31 2015-12-31 2015-09-30 2015-06-30 2015-03-31 2014-12-31 2014-09-30 2014-06-30 2014-03-31 2013-12-31 2013-09-30 2013-06-30 2013-03-31 2012-12-31 2012-03-31 
                                                      
  cash flow from operating activities:                                                    
  net income59,805,000 83,591,000 83,547,000 64,827,000 49,073,000 61,368,000 69,589,000 57,144,000 45,180,000 47,388,000 80,066,000 59,316,000 86,108,000 28,005,000 29,371,000 33,396,000 28,427,000 33,715,000 32,726,000 15,062,000 25,873,000 32,918,000 54,154,000 34,761,000 33,048,000 42,655,000 48,075,000 33,325,000 30,171,000 41,635,000 67,734,000 28,274,000 15,239,000 32,645,000 36,692,000 -1,412,000 11,673,000 13,174,000 19,410,000 11,173,000 13,339,000 16,788,000 26,941,000 19,528,000 16,015,000 22,682,000 24,778,000 23,141,000 15,663,000 20,264,000 27,609,000  
  adjustments to reconcile net income to net cash flow provided by operating activities:                                                    
  depreciation of leased merchandise78,272,000 88,819,000 97,937,000 104,928,000 110,157,000 120,284,000 103,631,000 103,698,000 102,521,000 101,605,000 90,665,000 86,519,000 82,605,000 93,706,000                                       
  benefit from lease losses32,543,000 27,562,000 33,561,000 39,171,000 47,653,000 43,010,000 34,184,000 39,736,000 52,873,000 49,065,000 29,731,000 31,916,000 38,035,000 39,820,000                                       
  benefit from loan losses41,761,000 36,360,000 41,736,000 40,557,000 31,116,000 30,418,000 32,459,000 33,096,000 28,190,000 29,285,000 35,049,000 31,956,000 26,800,000 24,697,000                                       
  share-based compensation expense4,588,000 4,462,000 3,218,000 3,365,000 4,102,000 4,101,000 3,549,000 3,375,000 3,375,000 3,375,000 2,028,000 2,875,000 2,875,000 3,075,000 -2,942,000 2,842,000 1,625,000 3,625,000 -2,336,000 2,399,000 2,851,000 1,735,000 2,315,000 2,315,000 2,315,000 1,661,000 1,375,000 1,375,000 1,375,000 767,000 767,000 759,000 776,000 149,000 3,004,000 271,000 750,000 220,000 -1,190,000 699,000 700,000 609,000 456,000 364,000 550,000 -715,000 429,000 411,000 428,000 325,000  
  depreciation and amortization expense25,864,000 25,502,000 26,434,000 25,933,000 26,547,000 26,027,000 27,635,000 27,365,000 27,050,000 27,111,000 26,337,000 25,971,000 25,982,000 25,542,000 13,175,000 11,217,000 10,902,000 10,612,000 10,681,000 10,426,000 10,324,000 10,674,000 10,846,000 10,674,000 10,510,000 9,874,000 9,876,000 10,850,000 10,952,000 11,283,000 12,429,000 13,872,000 14,689,000 14,243,000 14,700,000 7,281,000 4,947,000 4,937,000 4,288,000 4,637,000 4,467,000 4,547,000 4,475,000 4,404,000 4,325,000 4,272,000 4,015,000 3,988,000 3,733,000 3,625,000 3,489,000  
  amortization of debt issuance costs991,000 980,000 931,000 944,000 944,000 819,000 728,000 692,000 683,000 692,000 754,000 735,000 741,000 732,000 448,000 430,000 398,000 395,000 430,000 447,000 385,000 387,000 1,000 480,000 476,000 473,000 472,000 485,000 483,000 480,000 516,000 458,000 397,000 467,000 344,000 621,000 232,000 230,000 228,000 231,000 228,000 256,000 269,000 98,000 373,000 162,000       
  net amortization of premiums, discounts and unearned origination fees on finance receivables-15,789,000 -13,372,000 -12,358,000 -10,284,000 -8,612,000 -6,859,000 -5,605,000 -4,979,000 -4,067,000 -3,344,000 9,121,000 7,806,000 11,669,000 15,782,000                                       
  impairments and dispositions of certain other assets  319,000 -46,000 1,000,000 461,000 150,000 222,000 79,000 45,000 1,240,000 164,000 141,000 177,000                                       
  deferred income taxes-4,624,000 1,342,000 920,000 -1,669,000 -4,247,000 -2,421,000 -1,103,000 -1,429,000 -4,839,000 -5,732,000 -3,654,000 33,440,000 12,209,000 493,000 5,100,000 1,178,000 2,434,000 2,010,000 3,075,000 2,844,000 4,318,000 4,239,000 -443,000 1,857,000 2,739,000 2,855,000 2,474,000 2,152,000 1,192,000 1,609,000 -25,634,000 -749,000 -664,000 12,550,000 3,247,000 6,103,000 884,000 1,678,000 -2,723,000 1,310,000 343,000 640,000 -360,000 796,000 241,000 451,000 -981,000 -8,384,000 737,000 700,000 1,540,000  
  changes in operating assets and liabilities, net of business combinations:                                                    
  accounts receivable-3,544,000 2,134,000 833,000 -3,279,000 -3,456,000 2,491,000 1,338,000 -6,447,000 -6,035,000 2,484,000 1,736,000 -2,729,000 -3,970,000 3,746,000                                       
  inventories purchased directly from customers, wholesalers or manufacturers-4,937,000 812,000 -504,000 -8,442,000 -4,689,000 3,912,000 2,745,000 -12,415,000 -1,343,000 12,819,000 7,876,000 -12,821,000 -5,271,000 7,075,000 -1,414,000 -16,419,000 -10,615,000 1,442,000 2,546,000 5,485,000                                 
  leased merchandise-107,892,000 -91,556,000 -122,164,000 -138,935,000 -142,960,000 -149,888,000 -165,837,000 -143,458,000 -149,685,000 -146,222,000 -141,600,000 -131,609,000 -120,417,000 -108,729,000                                       
  prepaid expenses and other assets374,000 -7,575,000 1,575,000 2,074,000 -3,589,000 1,935,000 -3,031,000 4,269,000 -2,558,000 -2,138,000 -1,275,000 -472,000 -507,000 -1,165,000 2,865,000 2,336,000 -2,975,000 868,000 1,325,000 -196,000 -84,000 355,000 -1,625,000 68,000 -268,000 776,000 691,000 1,814,000 1,350,000 -3,174,000 5,883,000 -4,560,000 785,000 11,594,000 3,104,000 -2,125,000 618,000 3,281,000 2,221,000 -2,190,000 -611,000 1,070,000 -739,000 -2,446,000 1,725,000 -185,000 1,995,000 -2,115,000 4,773,000 -2,623,000 6,968,000  
  accounts payable, accrued liabilities and other liabilities32,555,000 -54,518,000 35,420,000 -1,328,000 15,537,000 -31,722,000 30,012,000 -4,658,000 18,056,000 -20,992,000 12,737,000 12,102,000 9,861,000 -14,707,000 9,642,000 -10,210,000 23,626,000 3,122,000 -4,350,000 8,677,000 -5,461,000 9,755,000 -10,403,000 14,899,000 -4,319,000 -3,560,000  15,184,000 -7,849,000 -2,478,000  9,923,000 -1,888,000 -29,071,000                   
  income taxes-23,113,000 22,097,000 6,744,000 -4,726,000 -12,389,000 18,596,000 -31,339,000 15,157,000 -14,405,000 15,153,000 19,456,000 -26,338,000 5,320,000 -674,000 2,172,000 2,641,000 -5,623,000 7,113,000 -328,000 -15,282,000 3,298,000 781,000 4,678,000 -535,000 -7,109,000 7,007,000 191,000 -3,513,000 -9,475,000 27,619,000 8,839,000 167,000                     
  net cash flow provided by operating activities116,854,000 126,640,000 198,149,000 113,090,000 106,187,000 122,532,000 99,105,000 111,368,000 95,075,000 110,594,000 143,507,000 99,031,000 106,622,000 120,145,000 85,454,000 24,101,000 44,575,000 69,174,000 44,898,000 34,067,000 65,914,000 77,385,000 67,772,000 57,851,000 34,276,000 71,697,000 69,210,000 54,252,000 28,651,000 91,316,000 71,511,000 46,033,000 38,948,000 63,865,000 56,380,000 901,000 14,497,000 25,076,000 27,627,000 23,213,000 14,479,000 27,430,000 28,351,000 20,388,000 23,346,000 25,594,000 32,699,000 28,972,000 19,853,000 25,194,000 34,316,000  
  cash flow from investing activities:                                                    
  pawn loans-50,032,000 19,440,000 -2,276,000 -48,836,000 -46,036,000 25,149,000 24,448,000 -59,614,000 -44,170,000 44,358,000 38,890,000 -42,442,000 -49,648,000 17,383,000                                       
  finance receivables-35,411,000 -20,566,000 -53,128,000 -48,623,000 -22,252,000 -15,311,000 -27,448,000 -30,869,000 -32,585,000 -24,540,000 -35,719,000 -26,088,000 -23,607,000 61,000                                       
  purchases of furniture, fixtures, equipment and improvements-12,952,000 -12,914,000 -12,213,000 -13,368,000 -16,237,000 -26,427,000 -13,425,000 -18,375,000 -14,520,000 -13,828,000 -5,956,000 -9,944,000 -12,658,000 -7,028,000 -10,414,000 -10,583,000 -11,534,000 -9,491,000 -9,690,000 -7,377,000 -9,895,000 -10,581,000 -11,207,000 -10,200,000 -13,246,000 -9,658,000                           
  purchases of store real property-21,247,000 -6,879,000 -31,766,000 -33,204,000 -9,760,000 -11,340,000 -23,775,000 -12,135,000 -17,059,000 -17,483,000 -5,213,000 -19,130,000 -48,326,000 -10,233,000 -41,251,000 -9,160,000 -14,655,000 -14,441,000 -24,556,000 -1,350,000 -9,979,000 -9,617,000 -31,707,000 -11,060,000 -9,749,000 -22,145,000                           
  acquisitions of pawn stores, net of cash acquired-4,421,000 -29,228,000 -6,725,000 -3,588,000 -63,945,000 -1,705,000 -12,959,000 -162,881,000 -3,726,000 -1,746,000 -64,713,000 -4,729,000   -32,388,000 -100,000 -48,130,000 -1,204,000 -34,975,000 -1,576,000 -2,287,000 -5,477,000 -10,501,000 -3,745,000 -13,721,000 -24,520,000 -25,312,000 -52,216,000 -22,807,000 -13,364,000 -1,062,000 -26,000 -261,000 -854,000 -1,110,000 -1,103,000 -1,608,000 -26,045,000 -13,872,000 -1,415,000 -30,050,000 -1,550,000 -24,069,000 -28,484,000 -1,500,000 -4,889,000 -29,290,000 -12,852,000 -70,033,000 -1,468,000 -12,711,000  
  net cash flow used in investing activities-124,063,000 -50,147,000 -106,108,000 -147,619,000 -158,230,000 -29,634,000 -53,159,000 -283,874,000   -97,711,000 -102,333,000            -47,577,000           62,990,000 -34,765,000   -834,000 -26,671,000   -8,368,000 -50,592,000 -21,616,000 -4,790,000 -21,788,000 -29,701,000 -86,201,000 -3,036,000 -9,932,000  
  cash flow from financing activities:                                                    
  borrowings from unsecured credit facilities66,000,000 106,000,000 56,000,000 89,000,000 250,000,000 50,000,000 100,499,000 365,835,000 107,000,000 73,000,000 90,000,000 70,000,000 87,000,000 39,000,000 222,000,000 111,000,000 182,000,000 45,000,000 132,500,000 78,000,000 37,000,000 106,925,000                               
  repayments of unsecured credit facilities-89,000,000 -129,000,000 -58,000,000 -39,000,000 -115,000,000 -603,000,000 -93,059,000 -179,967,000 -39,000,000 -104,000,000 -89,000,000 -6,000,000 -31,000,000 -80,000,000 -209,000,000 -28,000,000 -63,000,000 -124,000,000 -49,500,000 -238,000,000 -194,433,000 -88,000,000                               
  issuance of senior unsecured notes  500,000,000                                           
  debt issuance costs paid  -1,331,000 -9,094,000 -189,000    -93,000 -1,270,000 -343,000 -132,000     -2,678,000 -5,151,000 -4,000 -130,000         -624,000   -33,000 -2,317,000       -9,000 197,000 -889,000 -5,909,000       
  purchases of treasury stock-850,000 -59,609,000   1,143,000 -13,678,000 -34,616,000 -67,227,000 -17,473,000 -52,664,000 -15,510,000 -72,217,000 -13,183,000 -31,460,000 -4,967,000 -26,639,000 -80,331,000 -48,884,000 -5,667,000 -31,955,000 -29,599,000 -15,115,000 -41,257,000 -117,269,000 -100,019,000 -26,705,000 -38,761,000 -16,269,000 -10,005,000     -8,000,000 -9,000,000 -6,000,000 -16,974,000 -30,633,000      
  payment of withholding taxes on net share settlements of restricted stock unit awards-5,764,000 -7,007,000 -2,463,000        -1,663,000                                  
  dividends paid-16,858,000 -16,944,000 -17,006,000 -17,006,000 -15,916,000 -15,833,000 -15,788,000 -15,495,000 -15,298,000 -15,294,000  -15,658,000 -14,235,000 -14,546,000  -11,998,000 -12,308,000 -11,097,000 -11,106,000 -11,189,000 -11,189,000 -11,268,000 -11,543,000 -10,741,000 -10,777,000 -10,891,000 -10,956,000 -9,731,000 -9,921,000 -10,245,000 -9,436,000 -9,052,000 -9,176,000 -9,172,000 -9,217,000 -3,530,000 -3,531,000 -3,530,000               
  net cash flow used in financing activities-40,708,000 -105,317,000   34,084,000 -84,934,000   18,086,000 -115,984,000   25,912,000 -127,895,000   75,232,000 -96,727,000 43,376,000 14,879,000 -171,953,000 -72,804,000 -66,576,000 -16,408,000 42,668,000 -80,490,000 -37,019,000 32,512,000 11,710,000 -134,264,000   19,269,000 -142,177,000    -28,062,000            -35,652,000   
  table of contents                                                    
  gain on revaluation of contingent acquisition consideration          -26,760,000 -19,800,000                                         
  portion of aff acquisition paid in cash, net of cash acquired                                                    
  net cash flow provided by financing activities  -19,006,000    -7,394,000                        -69,141,000    -109,250,000 71,653,000   -9,517,000 3,500,000 35,500,000 -20,356,000 10,227,000 -10,250,000 -12,814,000 3,739,000 30,060,000 -1,273,000   -131,000  
  proceeds from exercise of stock options                                                   
  loss on revaluation of contingent acquisition consideration             2,570,000                                       
  net cash flow provided by investing activities         -13,239,000    183,000  -81,988,000 -125,205,000 17,258,000  -42,652,000 103,839,000 26,604,000    -14,107,000   -62,465,000 34,019,000   -42,812,000 58,259,000    -27,095,000    2,376,000           
  loss on extinguishment of debt                             20,000                     
  redemption of senior unsecured notes                                                    
  redemption premium and other redemption costs on senior unsecured notes                                                    
  payment of withholding taxes on net share settlements of restricted stock unit awards and stock options exercised                                                    
  non-cash portion of consumer loan credit loss provision                  -10,000                                  
  write-off of certain cash america merger related lease intangibles               361,000 401,000 878,000                                   
  impairment of certain other assets                                                    
  fees and service charges receivable               -3,671,000 -4,025,000 5,394,000 -2,817,000 -5,974,000 10,592,000 3,673,000 2,585,000 -1,938,000 -2,630,000 2,093,000 3,556,000 -4,541,000 -3,291,000 3,844,000 1,606,000 -2,539,000 -4,343,000 3,865,000                   
  loan receivables               -62,145,000 -50,886,000 42,394,000 -38,922,000 -32,349,000                                 
  issuance of senior unsecured notes due 2028                                                   
  redemption of senior unsecured notes due 2024                                                   
  redemption premium and other redemption costs on senior unsecured notes due 2024                                                   
  payment of withholding taxes on net share settlements of restricted stock awards                                                   
  effect of exchange rates on cash               -466,000 818,000 -914,000 6,875,000 1,594,000 -2,308,000 -2,248,000 159,000 305,000 -237,000 770,000  884,000 -5,177,000 4,914,000 -5,230,000 -677,000 2,881,000 3,246,000 -3,521,000 -707,000 -2,222,000 -2,723,000 -2,845,000 -4,949,000 -1,805,000 -1,639,000 -4,978,000 -841,000 210,000 -257,000 -867,000 -165,000 -794,000 1,548,000 288,000 1,812,000 
  change in cash and cash equivalents               -154,000 -4,580,000 -11,209,000 -12,994,000 7,888,000 -4,508,000 28,937,000 -14,656,000 -5,829,000 17,349,000 -22,130,000  -26,102,000 -27,281,000 -4,015,000  1,977,000 18,286,000 -16,807,000  37,082,000 -7,876,000 -32,804,000 14,431,000 -4,907,000 1,627,000 7,811,000 25,232,000 -41,295,000 -10,874,000 24,286,000 40,104,000 -2,167,000 -5,633,000 -11,946,000 24,541,000  
  cash and cash equivalents at beginning of the period               65,850,000  46,527,000  71,793,000  114,423,000  89,955,000  86,954,000  67,992,000  70,643,000  50,285,000  70,296,000 
  cash and cash equivalents at end of the period               -154,000 -4,580,000 54,641,000  7,888,000 -4,508,000 75,464,000  -5,829,000 17,349,000 49,663,000  -26,102,000 -27,281,000 110,408,000  1,977,000 18,286,000 73,148,000  37,082,000 -7,876,000 54,150,000  -4,907,000 1,627,000 75,803,000  -41,295,000 -10,874,000 94,929,000  -2,167,000 -5,633,000 38,339,000  30,449,000 
  amortization of favorable/(unfavorable) lease intangibles                          82,000 15,000 110,000 -466,000 -232,000 -257,000 -250,000 -237,000                   
  non-cash write-offs and impairments of certain lease intangibles and other assets                  3,956,000 837,000 182,000 5,530,000                               
  cash and cash equivalents at beginning of the year                                                    
  cash and cash equivalents at end of the year                                                    
  includes the funding of new loans net of cash repayments and recovery of principal through the sale of inventories acquired from forfeiture of pawn collateral.                                                    
  the accompanying notes are an integral part of these consolidated financial statements.                                                    
  non-cash portion of credit loss provision                    -104,000 -729,000 44,000 89,000 927,000 1,335,000  2,810,000 2,417,000 1,874,000 2,715,000 4,039,000 3,334,000 2,639,000 3,602,000 1,951,000 195,000 222,000 295,000 258,000 129,000 79,000 119,000 311,000 273,000 213,000 225,000 312,000 247,000 249,000 330,000  
  inventories                     6,951,000 6,200,000 -4,819,000 -1,413,000 5,874,000 94,000 -5,704,000 1,216,000 7,715,000 10,987,000 -3,382,000 1,792,000 6,796,000                   
  loan receivables, net of cash repayments                     52,279,000 37,404,000 -22,572,000 -22,642,000 42,216,000 23,180,000 -43,968,000 -25,307,000 56,220,000 35,474,000 -28,702,000 -33,226,000 67,189,000 15,414,000 -22,020,000 -14,759,000 5,293,000 18,583,000 -18,328,000 -12,283,000 8,312,000 21,854,000 -16,366,000 -13,731,000 5,773,000 16,229,000 -9,278,000 -10,498,000 3,136,000   
  asset impairments related to consumer loan operations                                                    
  borrowings from revolving unsecured credit facility                      66,000,000 47,000,000 101,000,000 43,000,000 58,500,000 137,500,000 159,000,000 61,000,000                       
  repayments of revolving unsecured credit facility                      -71,000,000 -47,000,000 -16,000,000 -83,000,000 -68,500,000 -54,000,000 -20,500,000 -85,000,000                       
  repurchase/redemption of senior unsecured notes                                                  
  repurchase/redemption premiums paid on senior unsecured notes                              -20,000                     
  proceeds from exercise of share-based compensation awards                                6,994,000 2,901,000 3,008,000 1,550,000   800,000 20,000 8,422,000 3,790,000  
  net gain on sale of common stock of enova                                                    
  accounts payable, accrued expenses and other liabilities                                  -19,325,000                  
  portion of aggregate merger consideration paid in cash, net of cash acquired                                  1,000                  
  proceeds from sale of common stock of enova                                                    
  repayments of debt assumed with merger and other acquisitions                                                   
  purchases of property and equipment                           -17,566,000 -14,351,000 -8,837,000 -10,540,000 -9,194,000 -9,325,000 -8,076,000 -10,437,000 -6,353,000 -10,730,000 -6,343,000 -5,545,000 -6,928,000 -4,214,000 -4,386,000 -6,153,000 -5,742,000 -6,385,000 -5,674,000 -8,727,000 -7,571,000 -5,670,000 -4,704,000 -5,601,000  
  the accompanying notes are an integral partof these condensed consolidated financial statements.                                                    
  impairment of goodwill - u.s. consumer loan operations                                                   
  borrowings from revolving credit facility                                              30,600,000      
  repayments of revolving credit facility                                              -1,100,000      
  income tax benefit from exercise of stock options                                      3,509,000 1,617,000 2,328,000 1,136,000         
  payment of minimum withholding taxes on net share settlement of stock options exercised                                                    
  net income on sale of common stock of enova                                                    
  borrowings from revolving credit facilities                               61,000,000 105,000,000 15,000,000 4,000,000 366,500,000 18,000,000 11,500,000 37,945,000 19,000,000 41,500,000 21,555,000 24,500,000 23,000,000 2,500,000       
  repayments of revolving credit facilities                               -18,000,000 -145,000,000 -138,000,000 -104,000,000 -57,000,000 -7,500,000 -29,500,000 -48,445,000 -6,500,000 -29,455,000 -19,600,000 -5,500,000 -184,500,000       
  repayments of debt assumed from acquisitions                                                    
  income taxes payable                                 7,598,000 10,882,000 -11,745,000 -1,391,000 -536,000               
  amortization of favorable/unfavorable lease intangibles                                                    
  merchandise inventories                                  305,000 -5,523,000 -1,213,000 1,812,000 1,906,000 -4,342,000 -1,322,000 2,354,000 2,184,000 -3,759,000 -1,594,000 1,805,000 2,847,000 -102,000 -4,920,000 975,000 1,641,000  
  repayments of notes payable                                    -6,532,000     -8,352,000 -813,000      
  loss on sale of common stock of enova international, inc.                                                    
  amortization of above/below market leases                                                    
  pawn fees and service charges receivable                                   -1,089,000 -1,714,000 173,000 2,103,000 -1,268,000 -1,415,000 480,000 2,968,000 -1,992,000 -1,246,000 154,000 1,252,000 -1,430,000 -1,255,000 62,000 397,000  
  proceeds from sale of common stock of enova international, inc.                                                    
  accounts payable and accrued expenses                                    -5,000 -645,000 -78,000 7,100,000 -2,662,000 -10,000 -9,230,000 4,300,000 6,661,000 -459,000 -4,000 3,891,000 -411,000 2,110,000 -7,777,000  
  loss on disposition of consumer loan stores                                                    
  the accompanying notes are an integral partof these consolidated financial statements.                                                    
  income taxes payable, current                                       -419,000 1,284,000 526,000 1,115,000 -1,308,000 -3,791,000 -4,051,000 -2,011,000 9,242,000 875,000 -596,000 -539,000  
  issuance of senior notes                                             200,000,000       
  gain on disposition of consumer loan stores                                                  333,000  
  proceeds from disposition of consumer loan stores                                                    
  income tax benefit from exercise of stock options and warrants                                              573,000 14,000 7,218,000 5,365,000  
  proceeds from line of credit                                                    
  payments of line of credit                                                -15,600,000 -50,500,000   
  payments of notes payable                                                -799,000 -792,000 -786,000  
  pawn loan receivables                                                  8,572,000  
  consumer loans                                                  -192,000  
  change in line of credit                                                  -8,500,000  
  the accompanying notes are an integral part of these condensed consolidated financial statements.                                                    
  changes in operating assets and liabilities:                                                    
  proceeds from sale of consumer loan stores                                                    
  acquisitions of pawn stores                                                    
  payments of debt                                                    
  proceeds from exercise of stock options and warrants                                                    

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