Quarterly
Annual
| Unit: USD | 2025-09-30 | 2025-06-30 | 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 income | 82,807,000 | 59,805,000 | 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 merchandise | 76,028,000 | 78,272,000 | 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 losses | 27,920,000 | 32,543,000 | 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 losses | 40,347,000 | 41,761,000 | 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 expense | 6,103,000 | 4,588,000 | 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 | 0 | 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 expense | 29,034,000 | 25,864,000 | 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 costs | 1,003,000 | 991,000 | 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 | -19,784,000 | -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 | 19,991,000 | -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 | -5,352,000 | -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 | -9,242,000 | -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 | -102,984,000 | -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 assets | -5,052,000 | 374,000 | -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 liabilities | -5,123,000 | 32,555,000 | -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 | 107,000 | -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 activities | 135,803,000 | 116,854,000 | 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 | -68,141,000 | -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 | ||||||||||||||||||||||||||||||||||||||
investments in finance receivables | |||||||||||||||||||||||||||||||||||||||||||||||||||||
proceeds from finance receivables | |||||||||||||||||||||||||||||||||||||||||||||||||||||
purchases of furniture, fixtures, equipment and improvements | -11,553,000 | -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 | -16,105,000 | -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 | -373,225,000 | -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 | -488,203,000 | -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 credit facilities | |||||||||||||||||||||||||||||||||||||||||||||||||||||
repayments of credit facilities | |||||||||||||||||||||||||||||||||||||||||||||||||||||
issuance of senior unsecured notes | 0 | 0 | 0 | 500,000,000 | 0 | 0 | 0 | 0 | |||||||||||||||||||||||||||||||||||||||||||||
debt issuance costs paid | 0 | -1,331,000 | 0 | -9,094,000 | -189,000 | -93,000 | -1,270,000 | -343,000 | -132,000 | -2,678,000 | -5,151,000 | -4,000 | -130,000 | 0 | -624,000 | -33,000 | -2,317,000 | -9,000 | 197,000 | -889,000 | -5,909,000 | ||||||||||||||||||||||||||||||||
purchases of treasury stock | -30,000,000 | -850,000 | -59,609,000 | 0 | 0 | 1,143,000 | -13,678,000 | -34,616,000 | -67,227,000 | -17,473,000 | -52,664,000 | -15,510,000 | -72,217,000 | 0 | -13,183,000 | -31,460,000 | -4,967,000 | -26,639,000 | 0 | 0 | -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 | 0 | -30,633,000 | 0 | 0 | 0 | |||||||||||
payment of withholding taxes on net share settlements of restricted stock unit awards | 0 | 0 | -5,764,000 | 0 | 0 | 0 | -7,007,000 | 0 | 0 | 0 | -2,463,000 | -1,663,000 | 0 | ||||||||||||||||||||||||||||||||||||||||
dividends paid | -18,633,000 | -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 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 | |||||||||||||||||||||||||||||||||||||
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 | 0 | 0 | 65,850,000 | 0 | 0 | 46,527,000 | 0 | 0 | 71,793,000 | 0 | 0 | 114,423,000 | 0 | 0 | 89,955,000 | 0 | 0 | 86,954,000 | 0 | 0 | 67,992,000 | 0 | 0 | 70,643,000 | 0 | 0 | 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 | |||||||||||||||||||||||||
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 | |||||||||||||||||||||||||||||||||||||||
borrowings from unsecured credit facilities | 66,000,000 | 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 | |||||||||||||||||||||||||||||||
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 | |||||||||||||||||||||||||||||||||||||||||||||||||||||
proceeds from exercise of stock options | 0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
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 | 0 | 0 | 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 | 0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
redemption of senior unsecured notes due 2024 | 0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
redemption premium and other redemption costs on senior unsecured notes due 2024 | 0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
payment of withholding taxes on net share settlements of restricted stock awards | 0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
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 | 0 | 0 | |||||||||||||||||||||||||||||||||||||||||||||||||||
repurchase/redemption premiums paid on senior unsecured notes | 0 | -20,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||
proceeds from exercise of share-based compensation awards | 0 | 0 | 0 | 0 | 0 | 0 | 6,994,000 | 0 | 0 | 2,901,000 | 3,008,000 | 1,550,000 | 800,000 | 20,000 | 0 | 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 | 0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
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 | 0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
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 | 0 | 0 | 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 | 0 | 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 | 0 | -29,455,000 | -19,600,000 | -5,500,000 | 0 | -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 | 0 | -6,532,000 | 0 | 0 | 0 | -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 | 0 | 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 |
The information provided in this report is taken from www.sec.gov and many other data providers. While we have conducted our best efforts to ensure that the parsed data is accurate, we cannot guarantee its accuracy. Please use caution and understand that any consequences of its use are your own responsibility.
