FirstCash, Inc
(NASDAQ:FCFS)

FirstCash, Inc., together with its subsidiaries, operates retail pawn stores in the United States and Latin America. Its pawn stores lend money on the collateral of pledged personal property, including jewelry, electronics, tools, appliances, sporting goods, and musical instruments; and retails merc...

Website: http://ir.firstcash.com

Founded: 1988

Full Time Employees: 17,000

Sector: Financial Services

Industry: Credit Services

Financial Services

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At a glance:

Bull Thesis:

Bear Thesis:

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Income Statements:

Quarterly

Annual

Unit: USD	2026-03-31	2025-12-31	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	2012-09-30	2011-06-30	2011-03-31	2010-09-30

revenue:
retail merchandise sales	464,834,000	501,261,000	410,968,000	385,125,000	371,056,000	413,671,000	363,141,000	363,463,000	366,821,000	397,412,000	335,081,000	320,864,000	327,915,000	359,161,000	300,899,000	298,257,000	302,819,000	327,914,000	268,726,000	265,567,000	272,042,000	256,507,000	234,982,000	287,400,000	296,629,000	331,208,000	281,358,000	278,754,000	284,241,000	309,614,000	256,417,000	255,742,000	269,841,000	300,949,000	246,334,000	243,822,000	259,994,000	282,597,000	152,215,000	115,543,000	118,776,000	128,280,000	104,937,000	105,625,000	110,454,000	130,336,000	101,950,000	97,188,000	98,708,000	111,745,000	89,772,000	83,900,000
pawn loan fees	266,698,000	249,955,000	221,088,000	190,822,000	191,871,000	189,984,000	186,561,000	181,046,000	179,535,000	178,238,000	174,560,000	154,178,000	151,560,000	149,777,000	145,727,000	134,067,000	131,819,000	128,986,000	121,365,000	109,909,000	115,522,000	113,842,000	99,570,000	101,990,000	142,115,000	143,830,000	142,879,000	136,923,000	141,192,000	137,728,000	134,613,000	123,012,000	129,793,000	127,477,000	132,545,000	122,632,000	128,251,000	129,941,000	79,505,000	51,878,000	51,433,000	49,329,000	49,882,000	47,583,000	48,654,000	52,386,000	51,778,000	47,555,000	47,638,000	47,897,000	47,455,000	43,052,000	43,151,000	43,625,000	39,768,000	30,564,000
leased merchandise income	130,187,000	129,786,000	132,540,000	139,784,000	156,918,000	177,440,000	188,560,000	194,570,000	205,671,000	190,057,000	189,382,000	189,805,000	183,438,000	166,427,000	158,089,000	147,700,000	149,947,000
interest and fees on retail finance products	74,335,000
wholesale scrap jewelry sales	112,481,000	93,899,000	86,710,000	38,816,000	43,165,000	32,209,000	37,861,000	35,134,000	26,956,000	26,856,000	25,865,000	27,583,000	45,184,000	27,738,000	18,582,000	23,848,000	32,805,000	13,130,000	9,583,000	14,102,000	20,375,000	21,796,000	25,281,000	22,785,000	26,371,000	21,524,000	25,661,000	24,981,000	31,710,000	20,971,000	24,650,000	27,475,000	34,725,000	33,557,000	37,528,000	31,646,000	38,111,000
other revenue	3,116,000	3,500,000	2,590,000																																																		221,000	212,000	204,000	249,000
total revenue	1,051,651,000	1,058,419,000	935,579,000	830,622,000	836,423,000	883,811,000	837,321,000	831,012,000	836,370,000	852,134,000	786,301,000	750,622,000	762,739,000	749,344,000	672,143,000	647,616,000	659,839,000	501,774,000	399,674,000	389,578,000	407,939,000	392,158,000	359,890,000	412,746,000	466,490,000	498,362,000	452,459,000	446,014,000	467,604,000	481,208,000	429,878,000	419,972,000	449,800,000	480,205,000	435,412,000	416,629,000	447,576,000	462,042,000	261,153,000	181,979,000	183,203,000	191,424,000	169,532,000	167,623,000	176,023,000	202,774,000	175,000,000	165,326,000	169,777,000	182,687,000	174,187,000	143,135,000	160,839,000	179,240,000	149,695,000
yoy	25.73%	19.76%	11.73%	-0.05%	0.01%	3.72%	6.49%	10.71%	9.65%	13.72%	16.98%	15.91%	15.59%	49.34%	68.17%	66.24%	61.75%	27.95%	11.05%	-5.61%	-12.55%	-21.31%	-20.46%	-7.46%	-0.24%	3.56%	5.25%	6.20%	3.96%	0.21%	-1.27%	0.80%	0.50%	3.93%	66.73%	128.94%	144.31%	141.37%	54.04%	8.56%	4.08%	-5.60%	-3.12%	1.39%	3.68%	11.00%	0.47%	15.50%	5.56%	1.92%	16.36%
qoq	-0.64%	13.13%	12.64%	-0.69%	-5.36%	5.55%	0.76%	-0.64%	-1.85%	8.37%	4.75%	-1.59%	1.79%	11.49%	3.79%	-1.85%	31.50%	25.55%	2.59%	-4.50%	4.02%	8.97%	-12.81%	-11.52%	-6.40%	10.15%	1.45%	-4.62%	-2.83%	11.94%	2.36%	-6.63%	-6.33%	10.29%	4.51%	-6.91%	-3.13%	76.92%	43.51%	-0.67%	-4.29%	12.91%	1.14%	-4.77%	-13.19%	15.87%	5.85%	-2.62%	-7.07%	4.88%	21.69%	-11.01%	-10.27%	19.74%
cost of revenue:
cost of retail merchandise sold	278,049,000	304,975,000	248,723,000	230,326,000	224,124,000	249,831,000	218,178,000	218,147,000	223,529,000	241,402,000	199,719,000	192,271,000	199,001,000	220,831,000	182,199,000	179,309,000	182,214,000	194,830,000	158,057,000	153,424,000	157,153,000	147,651,000	137,230,000	171,511,000	184,695,000	211,643,000	178,597,000	176,272,000	179,349,000	195,308,000	163,287,000	163,574,000	174,497,000	196,245,000	161,350,000	156,473,000	165,635,000	179,390,000	93,399,000	71,345,000	74,422,000	79,874,000	64,875,000	65,636,000	68,246,000	79,310,000	62,780,000	59,093,000	60,490,000	68,684,000	53,546,000	51,092,000
depreciation of leased merchandise	81,059,000	76,002,000	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
provision for lease losses	29,744,000	32,337,000	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
provision for loan losses	42,844,000	44,238,000	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
cost of wholesale scrap jewelry sold	76,727,000	70,206,000	68,220,000	34,904,000	35,355,000	27,058,000	29,880,000	28,542,000	23,289,000	22,809,000	21,405,000	21,880,000	35,727,000	23,933,000	16,261,000	19,895,000	28,215,000	11,472,000	8,528,000	11,932,000	17,197,000	18,524,000	19,818,000	18,357,000	22,847,000	19,125,000	22,660,000	23,934,000	30,353,000	19,534,000	23,859,000	24,076,000	32,495,000	30,424,000	36,831,000	30,590,000	34,949,000	22,324,000	16,977,000	7,853,000	5,871,000	6,540,000	6,847,000	6,232,000	8,009,000	9,436,000	10,444,000	10,076,000	11,088,000	13,047,000	22,394,000	4,600,000
other cost of revenue	846,000	780,000	634,000																																																		24,000	47,000	32,000	52,000
total cost of revenue	509,269,000	528,538,000	461,872,000	417,806,000	412,220,000	450,123,000	432,714,000	435,615,000	440,530,000	434,485,000	397,654,000	397,735,000	414,683,000	400,209,000	348,851,000	346,644,000	368,652,000	273,522,000	166,585,000	165,356,000	174,350,000	166,167,000	157,152,000	189,645,000	207,181,000	231,098,000	201,480,000	201,709,000	211,805,000	219,208,000	192,620,000	191,544,000	210,719,000	231,069,000	204,366,000	192,205,000	204,676,000	207,927,000	113,789,000	80,518,000	81,340,000	88,499,000	74,090,000	73,577,000	77,252,000	91,141,000	76,137,000	71,405,000	73,321,000	84,498,000	79,634,000	58,385,000	68,757,000	79,405,000	63,757,000
net revenue	542,382,000	529,881,000	473,707,000	412,816,000	424,203,000	433,688,000	404,607,000	395,397,000	395,840,000	417,649,000	388,647,000	352,887,000	348,056,000	349,135,000	323,292,000	300,972,000	291,187,000	228,252,000	233,089,000	224,222,000	233,589,000	225,991,000	202,738,000	223,101,000	259,309,000	267,264,000	250,979,000	244,305,000	255,799,000	262,000,000	237,258,000	228,428,000	239,081,000	249,136,000	231,046,000	224,424,000	242,900,000	254,115,000	147,364,000	101,461,000	101,863,000	102,925,000	95,442,000	94,046,000	98,771,000	111,633,000	98,863,000	93,921,000	96,456,000	98,189,000	94,553,000	84,750,000	92,082,000	99,835,000	85,938,000	68,934,000	70,293,000
expenses and other income:
operating expenses	269,429,000	260,122,000	236,528,000	222,493,000	214,586,000	226,547,000	224,926,000	228,369,000	221,136,000	216,783,000	211,524,000	204,781,000	199,061,000	189,511,000	185,547,000	180,555,000	173,296,000
administrative expenses	65,778,000	66,213,000	58,845,000	59,263,000	48,523,000	43,636,000	40,930,000	45,576,000	43,057,000	51,887,000	45,056,000	40,355,000	39,017,000	37,061,000	36,951,000	37,068,000	36,863,000	22,654,000	30,208,000	27,398,000	30,999,000	25,289,000	24,354,000	28,386,000	32,902,000	27,908,000	30,576,000	31,696,000	32,154,000	32,343,000	29,977,000	29,720,000	28,002,000	28,931,000	29,999,000	30,305,000	33,238,000	38,260,000	24,500,000	16,509,000	17,668,000	14,518,000	11,733,000	14,669,000	13,838,000	14,236,000	13,406,000	13,615,000	13,329,000	11,017,000	12,738,000	12,662,000	13,113,000	13,851,000	12,330,000	10,971,000
depreciation and amortization	31,516,000	31,406,000	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	3,482,000	3,328,000	2,821,000
interest expense	34,528,000	35,269,000	32,216,000	26,337,000	27,471,000	27,197,000	27,424,000	25,187,000	25,418,000	26,586,000	24,689,000	21,071,000	20,897,000	19,959,000	18,282,000	16,246,000	16,221,000	9,997,000	7,961,000	7,198,000	7,230,000	7,391,000	6,561,000	6,974,000	8,418,000	8,195,000	8,922,000	8,548,000	8,370,000	8,580,000	7,866,000	6,529,000	6,198,000	6,208,000	6,129,000	5,585,000	6,113,000	6,461,000	5,073,000	4,326,000	4,460,000	4,405,000	4,336,000	4,126,000	4,020,000	4,122,000	4,059,000	3,910,000	1,436,000	1,018,000	1,122,000	633,000	719,000	791,000	444,000	40,000
interest income	-227,000	-271,000	-908,000	-527,000	-1,229,000	-528,000	-403,000	-261,000	-743,000	-216,000	-328,000	-408,000	-517,000	-209,000	-206,000	-222,000	-676,000	-276,000	-143,000	-119,000	-158,000	-331,000	-499,000	-525,000	-185,000	-267,000	-429,000	-155,000	-204,000	-228,000	-495,000	-740,000	-981,000	-459,000	-418,000	-393,000	-327,000	-115,000	-138,000	-224,000	-274,000	-423,000	-406,000	-393,000	-344,000	-160,000	-179,000	-262,000	-81,000	-55,000	-69,000	-51,000	-147,000	-69,000	-30,000	-66,000
gain on foreign exchange	-1,102,000				-14,000				-186,000				-802,000															-483,000
merger and acquisition expenses	865,000	1,658,000	9,472,000	2,777,000	462,000	42,000	225,000	1,364,000	597,000	4,252,000	3,387,000	252,000	31,000	2,027,000	733,000	314,000	665,000	14,185,000	12,000	1,086,000	166,000																			4,079,000
other income	-3,533,000	-6,630,000	-3,740,000	-3,199,000	-2,315,000
total expenses and other income	397,254,000	387,093,000	361,228,000	331,737,000	312,986,000	324,155,000	319,427,000	329,219,000	313,955,000	326,161,000	311,023,000	292,363,000	284,843,000	247,529,000	247,897,000	191,349,000	254,178,000	191,122,000	188,793,000	185,417,000	187,318,000	182,884,000	185,052,000	185,912,000	213,592,000	195,746,000	202,015,000	199,019,000	196,956,000	198,824,000	193,175,000	186,157,000	183,302,000	192,101,000	189,479,000	202,956,000	190,658,000	197,998,000	146,941,000	84,215,000	82,202,000	75,298,000	79,208,000	74,615,000	74,382,000	74,940,000	70,983,000	70,522,000	67,448,000	62,538,000	65,081,000	60,977,000	60,786,000	58,783,000	55,961,000
income before income taxes	145,128,000	142,788,000	112,479,000	81,079,000	111,217,000	109,533,000	85,180,000	66,178,000	81,885,000	91,488,000	77,624,000	60,524,000	63,213,000	101,606,000	75,395,000	109,623,000	37,009,000	37,130,000	44,296,000	38,805,000	46,271,000	43,107,000	17,686,000	37,189,000	45,717,000	71,518,000	48,964,000	45,286,000	58,843,000	63,176,000	44,083,000	42,271,000	55,779,000	57,035,000	41,567,000	21,468,000	52,242,000	9,332,500	423,000	17,246,000	19,661,000
provision for income taxes	37,426,000	38,616,000	29,672,000	21,274,000	27,626,000	25,986,000	20,353,000	17,105,000	20,517,000	21,899,000	20,480,000	15,344,000	15,825,000	21,540,000	16,079,000	23,515,000	9,004,000	7,759,000	10,900,000	10,378,000	12,556,000	10,381,000	2,624,000	11,316,000	12,799,000	17,364,000	14,203,000	12,238,000	16,188,000	15,101,000	10,758,000	12,100,000	14,144,000	-10,699,000	13,293,000	6,229,000	19,597,000	19,425,000	1,835,000	5,573,000	6,487,000	8,217,000	5,061,000	6,092,000	7,601,000	9,752,000	8,352,000	7,384,000	6,054,000	10,240,000	6,331,000	8,110,000	11,032,000			8,186,000
net income	107,702,000	104,172,000	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	18,889,000	15,338,000	22,556,000
yoy	28.84%	24.69%	27.74%	21.87%	36.21%	20.06%	13.44%	8.62%	29.50%	-13.09%	-3.66%	-47.53%	69.21%	172.60%	77.61%	202.91%	-16.94%	-10.25%	121.72%	9.87%	2.42%	-39.57%	-56.67%	-21.71%	-22.83%	12.64%	4.31%	9.54%	2.45%	-29.02%	17.86%	97.99%	27.54%	84.60%	-2102.41%	30.55%	147.80%	89.04%	-112.64%	-12.49%	-21.53%	-27.95%	-42.78%	-16.71%	-25.99%	8.73%	-15.61%	2.25%	11.93%	-10.25%	22.51%	2.12%	-10.16%
qoq	3.39%	25.80%	38.46%	-28.46%	0.05%	28.88%	32.10%	-20.03%	-11.81%	21.78%	26.48%	-4.66%	-40.81%	34.98%	-31.11%	207.47%	-4.65%	-12.05%	17.48%	-15.68%	3.02%	117.28%	-41.78%	-21.40%	-39.21%	55.79%	5.18%	-22.52%	-11.27%	44.26%	10.45%	-27.53%	-38.53%	139.56%	85.54%	-53.32%	-11.03%	-2698.58%	-112.10%	-11.39%	-32.13%	73.72%	-16.24%	-20.54%	-37.69%	37.96%	21.94%	-29.39%	-8.46%	7.07%	47.74%	-22.71%	-26.60%	46.16%	23.15%	-32.00%
net income margin %	10.24%	9.84%	8.85%	7.20%	9.99%	9.45%	7.74%	5.91%	7.34%	8.17%	7.27%	6.02%	6.21%	10.68%	8.82%	13.30%	4.24%	5.85%	8.36%	7.30%	8.26%	8.35%	4.19%	6.27%	7.06%	10.87%	7.68%	7.41%	9.12%	9.99%	7.75%	7.18%	9.26%	14.11%	6.49%	3.66%	7.29%	7.94%	-0.54%	6.41%	7.19%	10.14%	6.59%	7.96%	9.54%	13.29%	11.16%	9.69%	13.36%	13.56%	13.29%	10.94%	12.60%	15.40%	12.62%	Infinity%	Infinity%	NaN%
earnings per share:
basic	2.44	2.37	1.87	1.35	1.87	1.87	1.45	1.09	1.36	1.53	1.27	0.99	1.03	1.72	1.26	1.82	0.58	0.71	0.83	0.7	0.82	0.79	0.36	0.62	0.79	1.27	0.81	0.77	0.98	1.09	0.76
diluted	2.43	2.35	1.86	1.34	1.87	1.85	1.44	1.08	1.35	1.53	1.26	0.99	1.02	1.72	1.26	1.81	0.58	0.7	0.82	0.7	0.82	0.79	0.36	0.62	0.78	1.26	0.81	0.76	0.98	1.08	0.76
the accompanying notes are an integral part of these consolidated financial statements.
interest and fees on finance receivables		80,018,000	81,683,000	76,075,000	73,413,000	70,507,000	61,198,000	56,799,000	57,387,000	59,571,000	61,413,000	58,192,000	54,642,000	46,241,000	48,846,000	43,744,000	42,449,000
loss on foreign exchange		-674,000	-219,000	-1,271,000		508,000	882,000	1,437,000		376,000	-286,000	-817,000		-387,000	255,000	27,000	-480,000	188,000	558,000	-577,000	267,000	-755,000	-432,000	-614,000	2,685,000	-1,713,000	1,648,000		-239,000
other expenses (income)						319,000	-490,000	1,000,000	-1,351,000	-1,142,000	-384,000	79,000	45,000	-10,000	164,000	-3,062,000
gain on revaluation of contingent acquisition consideration														-26,760,000	-19,800,000	-65,559,000
loss on revaluation of contingent acquisition consideration																	2,570,000
impairments and dispositions of certain other assets																	177,000
consumer loan and credit services fees																						13,000	57,000	571,000	1,375,000	1,800,000	2,561,000	5,356,000	10,461,000	12,895,000	14,198,000	13,743,000	15,441,000	18,222,000	19,005,000	18,529,000	21,220,000	22,772,000	10,477,000	4,916,000	5,686,000	6,503,000	6,995,000	6,710,000	7,595,000	9,075,000	9,474,000	8,416,000	9,784,000	8,495,000	11,726,000	10,866,000	12,473,000	13,445,000	13,717,000	12,410,000
consumer loan and credit services loss provision																						-8,000	104,000	-223,000	-361,000	330,000	223,000	1,503,000	2,103,000	4,366,000	5,474,000	3,894,000	3,727,000	4,400,000	6,185,000	5,142,000	4,092,000	6,213,000	3,413,000	1,320,000	1,047,000	2,085,000	2,368,000	1,709,000	997,000	2,395,000	2,913,000	2,236,000	1,743,000	2,767,000	3,694,000	2,693,000	2,190,000	3,573,000	4,397,000	2,716,000
store operating expenses																		103,767,750	138,619,000	139,128,000	137,324,000	135,546,000	132,061,000	141,051,000	153,500,000	150,521,000	149,819,000	148,347,000	146,852,000	145,422,000	141,755,000	137,583,000	138,561,000	139,094,000	138,966,000	137,070,000	136,744,000	137,451,000	80,574,000	54,578,000	55,411,000	52,510,000	50,995,000	51,746,000	52,321,000	52,267,000	49,293,000	48,934,000	48,492,000	46,543,000	47,302,000	44,000,000	43,476,000	40,728,000	39,889,000	31,778,000
write-off of certain cash america merger related lease intangibles																		410,000	361,000	401,000	878,000
loss on extinguishment of debt																							11,737,000												20,000	14,094,000
impairment of certain other assets
merger and other acquisition expenses																						52,250	7,000	134,000	68,000	256,000	805,000	556,000	149,000	2,069,000	3,222,000	2,113,000	239,000	5,898,000	911,000	1,606,000	647,000	2,793,000	29,398,000
write-offs and impairments of certain lease intangibles and other assets																						3,956,000	837,000	182,000	5,530,000
dividends declared per common share																														0.25	0.22	0.22	0.22	0.2	0.19	0.19	0.19	0.19	0.125	0.125	0.125
the accompanying notes are an integral partof these condensed consolidated financial statements.
net income per share
basic																																0.67	0.9	1.43	0.59	0.32	0.67	0.193	-0.04	0.41	0.47
diluted																																0.67	0.9	1.42	0.59	0.32	0.67	0.193	-0.04	0.41	0.47
net loss on sale of common stock of enova
wholesale scrap jewelry revenue																																						8,976,500	18,956,000	9,642,000	7,308,000	7,312,000	7,718,000	7,705,000	9,320,000	10,977,000	11,798,000	12,167,000	13,647,000	14,550,000	25,234,000	5,317,000
goodwill impairment - u.s. consumer loan operations																																											7,913,000
loss on sale of common stock of enova international, inc.																																						63,250	253,000
income from continuing operations before income taxes																																										27,627,000	16,234,000	19,431,000	24,389,000	36,693,000	27,880,000	23,399,000	29,008,000	35,651,000	29,472,000	23,773,000	31,296,000	41,052,000	29,977,000	23,390,000	24,469,000
income from continuing operations																																										19,410,000	11,173,000	13,339,000	16,788,000	26,941,000	19,528,000	16,015,000	22,954,000	25,411,000	23,141,000	15,663,000	20,264,000	27,684,000	19,636,000	15,204,000	15,905,000
loss from discontinued operations, net of tax
basic income per share:
loss from discontinued operations
net income per basic share																																										0.7	0.4	0.47	0.59	0.95	0.69	0.55	0.78	0.86	0.8	0.54	0.69	0.96	0.66	0.49
diluted income per share:
net income per diluted share																																										0.69	0.4	0.47	0.59	0.93	0.68	0.55	0.77	0.85	0.79	0.53	0.68	0.93	0.64	0.48
income from discontinued operations, net of tax																																														-68,000			-272,000					-75,000	-747,000	134,000
income from discontinued operations																																														-0.003			-0.01						-0.03
merchandise sales																																																					104,994,000	121,958,000	96,006,000	77,358,000
cost of goods sold																																																					66,543,000	75,785,000	59,328,000	48,879,000
benefit from income taxes																																																						13,368,000	10,341,000
the accompanying notes are an integral part of these condensed consolidated financial statements.
revenue
cost of revenue
expenses and other (gain) loss:
operating and administrative expenses																																																										7,000
gain on excess collections																																																										-758,000
gain on sale of auto master real estate
tax expense																																																										-764,000
2009
2010

Balance Sheets:

Quarterly

Annual

Unit: USD	2026-03-31	2025-12-31	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	2012-09-30	2012-06-30	2011-09-30	2011-06-30

assets
cash and cash equivalents	130,739,000	125,197,000	130,240,000	101,467,000	146,034,000	175,095,000	106,320,000	113,693,000	135,070,000	127,018,000	86,547,000	104,598,000	100,795,000	117,330,000	100,620,000	110,414,000	113,317,000	120,046,000	49,907,000	50,061,000	54,641,000	65,850,000	78,844,000	70,956,000	75,464,000	46,527,000	61,183,000	67,012,000	49,663,000	71,793,000	57,025,000	83,127,000	110,408,000	114,423,000	93,411,000	91,434,000	73,148,000	89,955,000	83,356,000	46,274,000	54,150,000	86,954,000	72,523,000	77,430,000	75,803,000	67,992,000	42,760,000	84,055,000	94,929,000	70,643,000	30,539,000	32,706,000	38,339,000	50,285,000	25,744,000	29,793,000	48,410,000	68,259,000
accounts receivable	117,345,000	115,854,000	115,850,000	76,062,000	71,166,000	73,325,000	74,378,000	72,158,000	69,703,000	71,922,000	72,336,000	63,337,000	56,357,000	57,792,000	58,435,000	55,924,000	52,017,000	55,356,000
pawn loans	851,125,000	831,497,000	788,130,000	550,718,000	499,710,000	517,867,000	517,877,000	491,731,000	456,079,000	471,846,000	483,785,000	426,165,000	377,697,000	390,617,000	404,227,000	385,708,000	344,101,000	347,973,000	348,993,000	312,166,000	265,438,000	308,231,000	270,619,000	230,383,000	314,296,000	369,527,000	385,907,000	375,167,000	345,200,000	362,941,000	387,733,000	348,295,000	322,625,000	344,748,000	371,367,000	353,399,000	314,505,000	350,506,000	373,169,000	134,658,000	126,620,000	117,601,000	128,370,000	124,969,000	114,306,000	118,536,000	136,981,000	123,901,000	113,938,000	115,234,000	121,187,000	112,212,000	104,636,000	103,181,000	107,714,000	88,298,000	77,973,000	79,654,000
finance receivables	139,296,000	150,274,000	153,134,000	154,518,000	145,079,000	147,501,000	123,751,000	105,401,000	105,653,000	113,901,000	113,307,000	110,555,000	102,093,000	103,494,000	111,945,000	125,619,000	140,481,000	181,021,000
inventories	538,791,000	487,232,000	456,273,000	355,733,000	334,700,000	334,580,000	334,394,000	315,424,000	302,385,000	312,089,000	314,382,000	267,142,000	257,603,000	288,339,000	295,428,000	260,528,000	247,276,000	263,311,000	254,260,000	216,955,000	185,336,000	190,352,000	168,664,000	179,967,000	227,876,000	265,256,000	281,921,000	266,440,000	257,803,000	275,130,000	277,438,000	249,689,000	254,298,000	276,771,000	308,683,000	301,361,000	308,165,000	330,683,000	332,862,000	91,861,000	90,714,000	93,458,000	98,188,000	88,080,000	82,554,000	91,088,000	94,890,000	77,587,000	72,279,000	77,793,000	82,569,000	82,005,000	64,771,000	65,345,000	65,692,000	52,978,000	54,916,000	54,636,000
leased merchandise	97,248,000	114,283,000	99,725,000	100,689,000	103,612,000	128,437,000	137,769,000	142,935,000	157,785,000	171,191,000	143,169,000	143,145,000	148,854,000	153,302,000	132,097,000	118,924,000	119,147,000	143,944,000
prepaid expenses and other current assets	30,689,000	32,131,000	49,008,000	35,667,000	26,033,000	26,943,000	34,861,000	31,923,000	30,460,000	38,634,000	21,114,000	30,102,000	29,523,000	19,788,000	38,322,000	21,125,000	22,592,000	12,288,000	10,002,000	11,698,000	8,629,000	9,388,000	10,647,000	10,689,000	10,326,000	11,367,000	9,275,000	9,590,000	9,329,000	17,317,000	18,396,000	19,913,000	21,575,000	20,236,000	23,818,000	19,667,000	14,331,000	25,264,000	31,935,000	7,781,000	6,911,000	9,897,000	5,815,000	3,853,000	3,302,000	4,970,000	6,292,000	1,724,000	2,425,000	3,369,000	4,618,000	2,566,000	7,150,000	4,225,000	11,363,000	1,763,000	6,700,000	10,148,000
total current assets	1,905,233,000	1,856,468,000	1,792,360,000	1,374,854,000	1,326,334,000	1,403,748,000	1,329,350,000	1,273,265,000	1,257,135,000	1,306,601,000	1,234,640,000	1,145,044,000	1,072,922,000	1,130,662,000	1,141,074,000	1,078,242,000	1,038,931,000	1,129,358,000	711,445,000	638,387,000	557,614,000	624,565,000	572,731,000	527,577,000	672,772,000	740,989,000	789,712,000	770,091,000	718,101,000	789,892,000	808,602,000	761,686,000	766,399,000	842,197,000	894,795,000	856,729,000	788,798,000	892,135,000	986,057,000	299,893,000	296,450,000	325,434,000	330,758,000	320,022,000	300,230,000	307,875,000	308,213,000	311,762,000	306,539,000	290,222,000	261,471,000	248,652,000	233,366,000	241,430,000	229,506,000			225,749,000
property and equipment	841,570,000	808,050,000	786,389,000	750,862,000	724,213,000	717,916,000	689,075,000	661,005,000	658,349,000	632,724,000	604,673,000	587,934,000	563,422,000	538,681,000	535,584,000	519,836,000	471,193,000	462,526,000	411,042,000	404,283,000	384,617,000	373,667,000	341,827,000	341,114,000	329,066,000	336,167,000	300,087,000	290,725,000	276,397,000	251,645,000	250,088,000	236,434,000	234,126,000	230,341,000	234,309,000	237,282,000	237,258,000	236,057,000	240,749,000	123,895,000	120,712,000	112,447,000	110,285,000	111,754,000	112,587,000	113,750,000	115,115,000	112,488,000	109,882,000	108,137,000	102,029,000	97,734,000	97,006,000	93,304,000	89,621,000	83,577,000	68,620,000	69,909,000
operating lease right of use asset	362,128,000	365,621,000	371,311,000	342,859,000	329,183,000	324,646,000	329,228,000	324,651,000	320,515,000	328,458,000	312,097,000	305,513,000	308,890,000	307,009,000	299,052,000	301,979,000	303,444,000	306,061,000	300,040,000	299,223,000	287,418,000	298,957,000	289,175,000	283,063,000	280,840,000	304,549,000	288,460,000	293,357,000
goodwill	2,020,527,000	2,023,426,000	1,970,358,000	1,826,184,000	1,815,139,000	1,787,172,000	1,788,795,000	1,794,957,000	1,730,353,000	1,727,652,000	1,713,354,000	1,600,068,000	1,591,460,000	1,581,381,000	1,523,699,000	1,522,192,000	1,541,424,000	1,536,178,000	1,014,052,000	1,017,273,000	974,051,000	977,381,000	932,329,000	929,575,000	927,290,000	948,643,000	936,562,000	940,653,000	932,773,000	917,419,000	906,322,000	857,070,000	844,516,000	831,145,000	834,883,000	838,111,000	835,567,000	831,151,000	865,350,000	312,488,000	315,439,000	295,609,000	291,777,000	300,378,000	276,545,000	276,882,000	264,875,000	254,918,000	254,790,000	251,241,000	230,520,000	220,461,000	168,842,000	166,429,000	162,675,000	127,603,000	69,404,000	72,523,000
intangible assets	214,987,000	231,140,000	246,722,000	204,643,000	216,736,000	228,858,000	241,389,000	253,910,000	265,184,000	277,724,000	291,690,000	303,642,000	315,865,000	330,338,000	345,512,000	359,716,000	373,928,000	388,184,000	83,019,000	83,372,000	83,229,000	83,651,000	83,837,000	84,389,000	84,999,000	85,875,000	86,468,000	87,200,000	87,810,000	88,140,000	88,900,000	89,962,000	91,764,000	93,819,000	95,991,000	98,664,000	101,594,000	104,474,000	106,502,000
other assets	9,758,000	9,796,000	9,775,000	9,805,000	9,952,000	9,934,000	10,339,000	9,606,000	10,080,000	10,242,000	10,057,000	9,586,000	9,204,000	9,415,000	9,133,000	8,345,000	8,318,000	8,531,000	8,413,000	9,406,000	9,365,000	9,818,000	9,087,000	9,037,000	9,188,000	11,506,000	10,880,000	10,890,000	10,927,000	49,238,000	50,635,000	52,193,000	54,392,000	54,045,000	59,054,000	61,145,000	69,088,000	71,679,000
deferred tax assets	7,119,000	6,262,000	5,401,000	5,042,000	4,720,000	4,712,000	4,671,000	5,014,000	5,836,000	6,514,000	8,052,000	7,770,000	7,534,000	7,381,000	6,906,000	6,231,000	5,930,000	5,614,000	5,472,000	4,489,000	3,869,000	4,158,000	6,509,000	7,764,000	8,718,000	11,711,000	10,624,000	11,570,000	11,608,000	11,640,000	11,933,000	12,295,000	12,499,000	11,237,000	12,694,000	12,388,000	11,249,000	9,707,000	9,912,000	10,720,000	10,993,000	9,321,000	6,632,000	7,009,000	7,056,000	7,122,000	6,299,000	5,348,000	5,190,000	5,044,000	3,348,000	1,148,000	1,148,000	1,148,000	1,078,000	1,078,000
total assets	5,361,322,000	5,300,763,000	5,182,316,000	4,514,249,000	4,426,277,000	4,476,986,000	4,392,847,000	4,322,408,000	4,247,452,000	4,289,915,000	4,174,563,000	3,959,557,000	3,869,297,000	3,904,867,000	3,860,960,000	3,796,541,000	3,743,168,000	3,836,452,000	2,533,483,000	2,456,433,000	2,300,163,000	2,372,197,000	2,235,495,000	2,182,519,000	2,312,873,000	2,439,440,000	2,422,793,000	2,404,486,000	2,335,783,000	2,107,974,000	2,116,480,000	2,009,640,000	2,003,696,000	2,062,784,000	2,131,726,000	2,104,319,000	2,043,554,000	2,145,203,000	2,277,695,000	756,604,000	753,885,000	757,021,000	755,202,000	749,574,000	705,288,000	714,675,000	704,667,000	694,727,000	687,189,000	658,973,000	602,654,000	575,443,000	505,732,000	507,692,000	488,220,000
liabilities and stockholders’ equity
accounts payable and accrued liabilities	206,834,000	212,615,000	163,412,000	145,035,000	129,137,000	171,540,000	133,792,000	141,314,000	138,812,000	163,050,000	146,873,000	146,163,000	142,277,000	139,460,000	175,964,000	198,967,000	237,164,000	240,940,000	87,629,000	103,331,000	79,575,000	81,917,000	79,979,000	69,810,000	74,805,000	72,398,000	81,999,000	71,410,000	77,363,000	96,928,000	103,223,000	79,961,000	88,328,000	84,331,000	94,769,000	85,684,000	79,726,000	109,354,000	129,997,000	51,056,000	54,496,000	42,252,000	46,129,000	39,496,000	41,704,000	42,559,000	50,178,000	42,400,000	37,184,000	38,023,000	35,446,000	31,759,000	30,827,000	27,938,000	35,707,000	30,126,000	31,140,000	29,584,000
customer deposits and prepayments	88,033,000	83,908,000	84,520,000	80,848,000	76,211,000	72,703,000	78,083,000	76,452,000	75,423,000	70,580,000	71,752,000	70,056,000	69,075,000	63,125,000	63,066,000	59,754,000	57,874,000	57,310,000
lease liability, current	104,801,000	111,291,000	111,327,000	100,845,000	96,539,000	95,161,000	96,598,000	97,809,000	100,874,000	101,962,000	98,745,000	96,215,000	95,338,000	92,944,000	91,115,000	90,804,000	92,091,000	90,570,000	89,502,000	89,027,000	86,529,000	88,622,000	84,970,000	83,580,000	82,355,000	86,466,000	83,328,000	84,513,000	84,946,000
total current liabilities	399,668,000	407,814,000	359,259,000	326,728,000	301,887,000	339,404,000	308,473,000	315,575,000	315,109,000	335,592,000	317,370,000	312,434,000	306,690,000	295,529,000	330,145,000	349,525,000	387,129,000	392,207,000	224,355,000	237,213,000	211,970,000	206,406,000	201,321,000	202,059,000	206,720,000	202,902,000	207,726,000	196,905,000	209,848,000	133,045,000	139,376,000	117,468,000	136,286,000	120,571,000	136,158,000	125,092,000	117,750,000	143,628,000	168,498,000	52,615,000	55,929,000	46,175,000	46,972,000	40,829,000	41,754,000	42,559,000	50,178,000	42,400,000	40,561,000	48,761,000	48,461,000	35,533,000	34,067,000	31,150,000	38,891,000			37,480,000
revolving unsecured credit facility	573,000,000	559,000,000	575,000,000																							335,000,000	340,000,000	340,000,000	255,000,000	295,000,000	305,000,000	221,500,000	83,000,000	107,000,000												22,400,000	17,500,000			182,000,000	152,500,000	153,000,000	52,000,000	102,500,000	111,000,000	71,600,000
other long-term debt	1,681,120,000	1,649,434,000	1,638,106,000
deferred tax liabilities	157,479,000	158,819,000	155,295,000	125,290,000	129,936,000	128,574,000	127,425,000	129,060,000	133,606,000	136,773,000	139,713,000	140,609,000	145,686,000	151,759,000	155,263,000	121,046,000	126,741,000	126,098,000	78,191,000	75,912,000	73,020,000	71,173,000	69,261,000	67,842,000	64,728,000	61,431,000	61,240,000	60,069,000	57,496,000	54,854,000	52,149,000	51,011,000	49,063,000	47,037,000	73,203,000	74,298,000	74,368,000	61,275,000	42,125,000	23,800,000	22,632,000	21,464,000				1,165,000	7,535,000
lease liability, non-current	251,975,000	248,934,000	255,010,000	237,198,000	228,995,000	225,498,000	227,151,000	219,454,000	209,208,000	215,485,000	202,516,000	197,135,000	201,871,000	203,115,000	197,171,000	199,211,000	198,760,000	203,166,000	197,618,000	196,189,000	186,972,000	194,887,000	188,212,000	182,915,000	181,787,000	193,504,000	181,257,000	184,348,000	188,970,000
total liabilities	3,063,242,000	3,024,001,000	2,982,670,000	2,374,081,000	2,367,917,000	2,422,822,000	2,393,653,000	2,343,959,000	2,202,070,000	2,293,497,000	2,256,979,000	2,062,838,000	1,998,423,000	2,025,101,000	2,055,805,000	1,978,543,000	1,978,935,000	2,028,325,000	1,239,663,000	1,165,617,000	1,009,070,000	1,088,382,000	991,569,000	949,739,000	1,105,498,000	1,089,405,000	1,086,617,000	1,077,544,000	1,007,367,000	789,870,000	804,752,000	699,596,000	579,410,000	587,451,000	664,047,000	612,887,000	556,319,000	695,217,000	844,641,000	323,118,000	314,598,000	325,639,000	315,472,000	296,829,000	256,254,000	266,124,000	275,213,000	252,370,000	249,853,000	244,614,000	215,142,000	209,641,000	110,753,000	155,276,000	171,334,000
stockholders’ equity:
common stock	575,000		575,000	575,000	575,000		575,000	575,000	573,000		573,000	573,000	573,000		573,000	573,000	573,000		493,000	493,000	493,000		493,000	493,000	493,000		493,000	493,000	493,000		493,000	493,000	493,000		493,000	493,000	493,000		493,000	403,000	403,000		399,000	399,000	399,000		395,000	394,000	394,000		393,000	393,000	393,000		383,000			383,000
additional paid-in capital	1,755,756,000	1,771,379,000	1,766,282,000	1,760,179,000	1,755,591,000	1,767,569,000	1,764,351,000	1,760,986,000	1,727,564,000	1,741,046,000	1,737,497,000	1,734,122,000	1,730,747,000	1,734,528,000	1,732,500,000	1,729,625,000	1,726,750,000	1,724,956,000	1,222,432,000	1,219,948,000	1,218,323,000	1,221,788,000	1,226,512,000	1,226,512,000	1,224,113,000	1,231,528,000	1,229,793,000	1,227,478,000	1,225,482,000	1,224,608,000	1,222,947,000	1,221,572,000	1,220,491,000	1,220,356,000	1,219,589,000	1,218,822,000	1,217,756,000	1,217,969,000	1,217,820,000	203,414,000	203,143,000	202,393,000	192,787,000	193,977,000	193,278,000	188,062,000	182,119,000	178,978,000	177,225,000	176,675,000	176,018,000	175,555,000	175,144,000	159,081,000	149,606,000			147,204,000
retained earnings	1,759,830,000	1,670,583,000	1,584,851,000	1,520,677,000	1,477,730,000	1,411,083,000	1,344,542,000	1,296,721,000	1,263,564,000	1,218,029,000	1,164,228,000	1,122,579,000	1,092,697,000	1,060,603,000	995,669,000	952,011,000	880,138,000	866,679,000	849,438,000	828,040,000	811,921,000	789,303,000	767,683,000	763,810,000	749,126,000	727,476,000	684,865,000	660,845,000	638,574,000	606,810,000	569,691,000	546,097,000	525,847,000	494,457,000	436,159,000	416,937,000	410,874,000	387,401,000	359,926,000	661,390,000	653,248,000	643,604,000	624,194,000	613,021,000	599,682,000	582,894,000	555,953,000	536,425,000	520,410,000	497,728,000	472,950,000	449,809,000	434,146,000	413,882,000	386,273,000			293,635,000
accumulated other comprehensive loss	-76,399,000	-64,835,000	-76,766,000	-96,267,000	-130,540,000	-129,596,000	-114,807,000	-84,366,000	-36,702,000	-43,037,000	-64,521,000	-49,258,000	-77,060,000	-106,573,000	-127,366,000	-119,994,000	-119,510,000	-131,299,000	-125,761,000	-115,790,000	-130,767,000	-118,432,000	-164,877,000	-172,150,000	-180,472,000	-96,969,000	-113,516,000	-103,932,000	-107,694,000	-113,117,000	-97,970,000	-114,668,000	-90,043,000	-111,877,000	-88,445,000	-83,464,000	-96,801,000	-119,806,000	-109,114,000
common stock held in treasury, at cost	-1,141,682,000		-1,075,296,000	-1,044,996,000	-1,044,996,000		-995,467,000	-995,467,000	-909,617,000		-920,193,000	-911,297,000	-876,083,000		-796,221,000	-744,217,000	-723,718,000		-652,782,000	-641,875,000	-608,877,000		-585,885,000	-585,885,000	-585,885,000		-465,459,000	-457,942,000	-428,439,000		-383,433,000	-343,450,000	-232,502,000		-100,117,000	-61,356,000	-45,087,000		-36,071,000	-336,608,000	-336,608,000		-328,608,000	-319,608,000	-313,608,000		-296,634,000	-266,001,000	-252,687,000		-252,687,000	-252,687,000	-213,995,000		-213,995,000			-119,812,000
total stockholders’ equity	2,298,080,000	2,276,762,000	2,199,646,000	2,140,168,000	2,058,360,000	2,054,164,000	1,999,194,000	1,978,449,000	2,045,382,000	1,996,418,000	1,917,584,000	1,896,719,000	1,870,874,000	1,879,766,000	1,805,155,000	1,817,998,000	1,764,233,000	1,808,127,000	1,293,820,000	1,290,816,000	1,291,093,000	1,283,815,000	1,243,926,000	1,232,780,000	1,207,375,000	1,350,035,000	1,336,176,000	1,326,942,000	1,328,416,000	1,318,104,000	1,311,728,000	1,310,044,000	1,424,286,000	1,475,333,000	1,467,679,000	1,491,432,000	1,487,235,000	1,449,986,000	1,433,054,000	433,486,000	439,287,000	431,382,000	439,730,000	452,745,000	449,034,000	448,551,000
total liabilities and stockholders’ equity	5,361,322,000	5,300,763,000	5,182,316,000	4,514,249,000	4,426,277,000	4,476,986,000	4,392,847,000	4,322,408,000	4,247,452,000	4,289,915,000	4,174,563,000	3,959,557,000	3,869,297,000	3,904,867,000	3,860,960,000	3,796,541,000	3,743,168,000	3,836,452,000	2,533,483,000	2,456,433,000	2,300,163,000	2,372,197,000	2,235,495,000	2,182,519,000	2,312,873,000	2,439,440,000	2,422,793,000	2,404,486,000	2,335,783,000	2,107,974,000	2,116,480,000	2,009,640,000	2,003,696,000	2,062,784,000	2,131,726,000	2,104,319,000	2,043,554,000	2,145,203,000	2,277,695,000	756,604,000	753,885,000	757,021,000	755,202,000	749,574,000	705,288,000	714,675,000
the accompanying notes are an integral part of these consolidated financial statements.
commitments and contingencies
common stock; 0.01 par value...
57,547 and 57,547 shares issued, respectively;
43,977 and 44,752 shares outstanding, respectively		575,000
common stock held in treasury, 13,570 and 12,795 shares at cost, respectively		-1,100,940,000
revolving unsecured credit facilities				152,000,000	175,000,000	198,000,000	200,000,000	150,000,000	15,000,000	568,000,000	560,229,000	376,000,000	308,000,000	339,000,000	338,000,000	274,000,000	218,000,000	259,000,000	246,000,000	163,000,000	44,000,000	123,000,000	40,000,000	200,000,000	355,519,000										140,000,000	97,000,000	137,000,000	260,000,000	360,000,000	50,500,000	40,000,000	58,000,000	68,500,000	56,000,000	14,500,000
senior unsecured notes				1,532,865,000	1,532,099,000	1,531,346,000	1,530,604,000	1,529,870,000	1,529,147,000	1,037,647,000	1,037,151,000	1,036,660,000	1,036,176,000	1,035,698,000	1,035,226,000	1,034,761,000	1,034,355,000	1,033,904,000	493,499,000	493,303,000	493,108,000	492,916,000	492,775,000	296,923,000	296,744,000	296,568,000	296,394,000	296,222,000	296,053,000	295,887,000	295,722,000	295,560,000	295,400,000	295,243,000	294,961,000	294,804,000	196,721,000	196,545,000	196,373,000	196,203,000	196,037,000	200,000,000	200,000,000	200,000,000	200,000,000	200,000,000	200,000,000	200,000,000	200,000,000
57,547 and 57,322 shares issued, respectively;
44,752 and 45,108 shares outstanding, respectively						575,000
common stock held in treasury, 12,795 and 12,214 shares at cost, respectively						-995,467,000
57,322 and 57,322 shares issued, respectively;
45,108 and 46,292 shares outstanding, respectively										573,000
common stock held in treasury, 12,214 and 11,030 shares at cost, respectively										-920,193,000
other liabilities																	13,950,000	13,950,000												11,084,000	12,505,000	14,057,000	15,661,000	17,600,000	19,725,000	21,693,000	30,480,000	33,769,000	77,645,000
46,292 and 48,479 shares outstanding, respectively														573,000
common stock held in treasury, 11,030 and 8,843 shares at cost, respectively														-809,365,000
income taxes receivable																		5,419,000	4,791,000	7,324,000	8,236,000	9,634,000	7,534,000	4,988,000	4,279,000	875,000	1,944,000	1,041,000	1,096,000	1,379,000	1,065,000	486,000	24,000	19,761,000	27,867,000	23,866,000	18,419,000	25,510,000	36,449,000
income taxes payable																		3,387,000	522,000	369,000	7,139,000	1,148,000	183,000	13,230,000	9,832,000	4,302,000	713,000	317,000	7,484,000	749,000	279,000	3,207,000	12,266,000	4,221,000	3,763,000	1,807,000	1,041,000	738,000	910,000	1,559,000	1,433,000	3,923,000	843,000	1,333,000	50,000				3,377,000	7,412,000	9,718,000	506,000				440,000	6,289,000	6,426,000
57,322 and 49,276 shares issued, respectively;
48,479 and 41,038 shares outstanding, respectively																		573,000
common stock held in treasury, 8,843 and 8,238 shares at cost, respectively																		-652,782,000
fees and service charges receivable																			43,492,000	40,183,000	35,334,000	41,110,000	36,423,000	30,418,000	40,121,000	46,686,000	48,587,000	46,991,000	43,993,000	45,430,000	49,141,000	42,920,000	40,022,000	42,736,000	45,134,000	42,810,000	38,021,000	41,013,000
customer deposits																			46,702,000	44,486,000	38,727,000	34,719,000	36,189,000	35,439,000	39,728,000	39,736,000	41,686,000	40,665,000	40,055,000	35,368,000	35,874,000	34,300,000	35,692,000	32,019,000	37,626,000	37,601,000	36,983,000	33,536,000	37,591,000
consumer loans																								176,000	410,000	751,000	895,000	3,850,000	11,017,000	15,902,000	17,804,000	17,256,000	17,447,000	23,522,000	24,515,000	24,192,000	22,209,000	29,204,000	27,792,000	1,060,000	985,000	1,118,000	1,114,000	1,070,000	977,000	1,241,000	1,510,000	1,339,000	1,239,000	1,450,000	1,375,000	1,504,000	1,618,000	1,879,000	2,027,000	2,035,000	929,000	1,072,000
49,276 and 49,276 shares issued, respectively;
41,038 and 42,329 shares outstanding, respectively																						493,000
common stock held in treasury, 8,238 and 6,947 shares at cost, respectively																						-609,337,000
42,329 and 43,603 shares outstanding, respectively																										493,000
common stock held in treasury, 6,947 and 5,673 shares at cost, respectively																										-512,493,000
preferred stock
right of use asset																													298,167,000
preferred stock; 0.01 par value...
outstanding
43,603 and 46,914 shares outstanding, respectively																														493,000
common stock held in treasury, 5,673 and 2,362 shares at cost, respectively																														-400,690,000
the accompanying notes are an integral partof these consolidated financial statements.
the accompanying notes are an integral partof these condensed consolidated financial statements.
46,914 and 48,507 shares outstanding, respectively																																		493,000
common stock held in treasury, 2,362 and 769 shares at cost, respectively																																		-128,096,000
investment in common stock of enova
49,276 and 40,288 shares issued, respectively;
48,507 and 28,236 shares outstanding, respectively																																						493,000
common stock held in treasury, 769 and 12,052 shares at cost, respectively																																						-36,071,000
pawn loan fees and service charges receivable																																							45,708,000	18,259,000	17,070,000	16,406,000	18,116,000	17,611,000	16,232,000	16,926,000	19,481,000	17,808,000	16,539,000	16,689,000	17,835,000	16,511,000	15,704,000	15,367,000	15,888,000	13,159,000	11,472,000	11,862,000
investment in common stock of enova international, inc.																																							54,786,000
other non-current assets																																							69,125,000	9,608,000	10,291,000	14,210,000	14,297,000	15,174,000	15,478,000	16,168,000	16,464,000	15,559,000	15,978,000	9,373,000	8,634,000	8,596,000	6,518,000	6,529,000	6,418,000	4,948,000	2,804,000	3,036,000
accumulated other comprehensive loss from
cumulative foreign currency translation adjustments																																								-95,113,000	-80,899,000		-49,042,000	-35,044,000	-30,717,000		-12,379,000	-7,439,000	-8,006,000		-9,162,000	-7,268,000	-709,000		-5,381,000
40,288 and 39,708 shares issued, respectively;
28,236 and 28,508 shares outstanding, respectively																																										403,000
accumulated other comprehensive loss from cumulative foreign
currency translation adjustments																																										-78,410,000				-26,168,000				-7,751,000				-6,940,000
common stock held in treasury, 12,052 and 11,200 shares at cost, respectively																																										-336,608,000
current portion of notes payable																																																		3,326,000	3,297,000	3,268,000	3,240,000	3,212,000	3,184,000	1,605,000	487,000	479,000
notes payable, net of current portion																																																		5,026,000	5,868,000	6,704,000	7,531,000	8,351,000	9,165,000	2,641,000	1,018,000	1,143,000
39,708 and 39,377 shares issued, respectively;
28,508 and 28,948 shares outstanding, respectively																																														397,000
common stock held in treasury, 11,200 and 10,429 shares at cost, respectively																																														-296,634,000
liabilities and stockholders' equity
stockholders' equity:
accumulated other comprehensive income from
total stockholders' equity																																															429,454,000	442,357,000	437,336,000	414,359,000	387,512,000	365,802,000	394,979,000	352,416,000	316,886,000
total liabilities and stockholders' equity																																															704,667,000	694,727,000	687,189,000	658,973,000	602,654,000	575,443,000	505,732,000	507,692,000	488,220,000
deferred income tax liabilities																																																9,970,000	9,292,000	8,827,000	8,313,000	14,404,000	17,155,000	13,275,000	12,278,000	8,362,000	5,461,000	9,899,000
39,377 and 38,796 shares issued, respectively;
28,948 and 29,096 shares outstanding, respectively																																																		394,000
accumulated other comprehensive income from cumulative foreign
common stock held in treasury, 10,429 and 9,700 shares at cost, respectively																																																		-252,687,000
38,796 and 38,291 shares issued, respectively;
29,096 and 30,091 shares outstanding, respectively																																																						388,000
common stock held in treasury, 9,700 and 8,200 shares at cost, respectively																																																						-213,995,000
deferred taxes payable																																																									991,000	991,000
the accompanying notes are an integral part of these condensed consolidated financial statements.
current assets of discontinued operations																																																									45,000	118,000
non-current assets of discontinued operations

Cashflow Statements:

Quarterly

Annual

Unit: USD	2026-03-31	2025-12-31	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	107,702,000	104,172,000	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 from operating activities:
depreciation of leased merchandise	81,059,000	76,002,000	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
provision for lease losses	29,744,000	32,337,000	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
provision for loan losses	42,844,000	44,238,000	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	5,375,000	5,097,000	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	31,516,000	31,406,000	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	951,000	1,014,000	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	-16,940,000	-18,229,000	-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
deferred income taxes	-2,068,000	1,942,000	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	-2,418,000	1,215,000	-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	-32,478,000		-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	-93,767,000	-122,897,000	-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	1,023,000	1,166,000	-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	-18,418,000	32,457,000	-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	19,503,000	24,652,000	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 from operating activities	153,628,000	206,645,000	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								67,772,000	57,851,000	34,276,000	71,697,000		54,252,000	28,651,000	91,316,000	71,511,000	46,033,000	38,948,000	63,865,000							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
cash flow from investing activities:
pawn loans made	-661,711,000
pawn loans repaid	403,654,000
recovery of pawn loan principal through sale of forfeited collateral	211,478,000
investments in finance receivables	-102,568,000	-102,281,000
proceeds from finance receivables	87,642,000	79,133,000
purchases of furniture, fixtures, equipment and improvements	-20,116,000	-17,487,000	-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	-30,547,000	-17,688,000	-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	-3,705,000	-68,185,000	-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	-115,873,000	-165,632,000	-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	189,303,000	106,908,000
repayments of credit facilities	-141,207,000	-112,314,000
purchases of treasury stock	-50,000,000	-25,390,000	-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	-11,240,000	0	0	0	-5,764,000	0	0	0	-7,007,000	0	0	0	-2,463,000								-1,663,000		0
dividends paid	-18,455,000	-18,440,000	-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	-15,132,000	-15,658,000	-14,235,000	-14,546,000	-12,130,000	-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	-31,599,000			-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
effect of exchange rates on cash	-614,000	3,180,000	9,504,000	3,350,000	-237,000	-4,260,000	-4,507,000	-3,418,000	88,000	1,919,000	-2,150,000	2,702,000	2,094,000	2,612,000	-900,000	1,145,000	838,000	-902,000	-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	5,542,000	-5,043,000	28,773,000	-44,567,000	-29,061,000	68,775,000	-7,373,000	-21,377,000	8,052,000	40,471,000	-18,051,000	3,803,000	-16,535,000	16,710,000	-9,794,000	-2,903,000	-6,729,000	70,139,000	-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	21,012,000	1,977,000	18,286,000	-16,807,000	6,599,000	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	125,197,000		0	0	175,095,000		0	0	127,018,000		0	0	117,330,000		0	0	120,046,000		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	130,739,000		28,773,000	-44,567,000	146,034,000		-7,373,000	-21,377,000	135,070,000		-18,051,000	3,803,000	100,795,000		-9,794,000	-2,903,000	113,317,000		-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
the accompanying notes are an integral part of these consolidated financial statements.
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
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
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
net cash flow from financing activities		-49,236,000				-19,006,000				-7,394,000				-31,698,000				540,289,000																-69,141,000										35,500,000	-20,356,000	10,227,000	-10,250,000	-12,814,000	3,739,000	30,060,000	-1,273,000
cash and cash equivalents at beginning of the year
cash and cash equivalents at end of the year
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
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
firstcash holdings, inc.
consolidated statements of cash flows
continued
gain on revaluation of contingent acquisition consideration														-26,760,000	-19,800,000
portion of aff acquisition paid in cash, net of cash acquired
supplemental disclosure of cash flow information:
cash paid during the period for:
interest
supplemental disclosure of non-cash investing and financing activity:
non-cash transactions in connection with pawn loans settled through forfeitures of collateral transferred to inventories
issuance of common stock associated with an acquisition of certain pawn stores
proceeds from exercise of stock options																		0
issuance of common stock associated with the aff acquisition
loss on revaluation of contingent acquisition consideration																	2,570,000
net cash flow from investing activities													-13,239,000				183,000												-14,107,000			-62,465,000	34,019,000			-42,812,000	58,259,000								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
adjustments to reconcile net income to net cash flow provided by operating activities:
net cash flow provided by operating activities																				44,575,000	69,174,000	44,898,000	34,067,000	65,914,000	77,385,000																25,076,000													34,316,000
net cash flow provided by investing activities																				-125,205,000	17,258,000		-42,652,000	103,839,000	26,604,000																-27,095,000
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
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.
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
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
table of contents
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
firstcash, inc.
amounts payable assumed in connection with pawn acquisitions
issuance of common stock associated with the merger
revolving unsecured credit facility assumed as a result of the merger
notes payable assumed in other acquisitions
the accompanying notes are an integral partof these consolidated financial statements.
net loss 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
amounts payable in connection with pawn acquisitions
revolving unsecured credit facilities assumed as a result of the merger
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.
net cash flow provided by financing activities																																																						-131,000
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
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
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
gain on disposition of consumer loan stores																																																						333,000
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

FirstCash, Inc(NASDAQ:FCFS)

FirstCash, Inc
(NASDAQ:FCFS)