0000840489-24-000108 | 10-Q | XBRL Viewer

Earnings Per Share

6 Months Ended

Jun. 30, 2024

The following table sets forth the computation of basic and diluted earnings per share (in thousands, except per share amounts):


	Three Months Ended				Six Months Ended
	June 30,				June 30,
	2024		2023		2024		2023
Numerator:
Net income	$	49,073	$	45,180	$	110,441	$	92,568



Denominator:
Weighted-average common shares for calculating basic earnings per share	45,122		45,455		45,183		45,799
Effect of dilutive securities:
Restricted stock unit awards	167		223		155		194
Weighted-average common shares for calculating diluted earnings per share	45,289		45,678		45,338		45,993

Earnings per share:
Basic	$	1.09	$	0.99	$	2.44	$	2.02
Diluted	$	1.08	$	0.99	$	2.44	$	2.01

Pay vs Performance Disclosure - USD ($) $ in Thousands	3 Months Ended				6 Months Ended
Pay vs Performance Disclosure - USD ($) $ in Thousands	Jun. 30, 2024	Mar. 31, 2024	Jun. 30, 2023	Mar. 31, 2023	Jun. 30, 2024	Jun. 30, 2023
Pay vs Performance Disclosure
Net income	$ 49,073	$ 61,368	$ 45,180	$ 47,388	$ 110,441	$ 92,568

- Definition

The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.

+ References

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+ Details

Leased Merchandise, Net (Details) - USD ($) $ in Thousands	6 Months Ended		12 Months Ended
Leased Merchandise, Net (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Jun. 30, 2023	Dec. 31, 2023	Mar. 31, 2024	Mar. 31, 2023	Dec. 31, 2022
Receivables [Abstract]
Leased merchandise	$ 364,831	$ 369,547	$ 384,129
Processing fees	(3,824)	(4,313)	(4,348)
Merchant partner discounts and premiums, net	1,851	2,735	2,501
Accumulated depreciation	(117,145)	(113,852)	(115,964)
Leased merchandise, before allowance for lease losses	245,713	254,117	266,318
Less allowance for lease losses	(102,778)	(110,972)	(95,127)	$ (95,127)	$ (93,149)	$ (79,189)
Leased merchandise, net	$ 142,935	$ 143,145	$ 171,191

CONDENSED CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023	Jun. 30, 2023
Current assets
Cash and cash equivalents	$ 113,693	$ 127,018	$ 104,598
Accounts receivable, net	72,158	71,922	63,337
Pawn loans	491,731	471,846	426,165
Finance receivables, net	105,401	113,901	110,555
Inventories	315,424	312,089	267,142
Leased merchandise, net	142,935	171,191	143,145
Prepaid expenses and other current assets	31,923	38,634	30,102
Total current assets	1,273,265	1,306,601	1,145,044
Property and equipment, net	661,005	632,724	587,934
Operating lease right of use asset	324,651	328,458	305,513
Goodwill	1,794,957	1,727,652	1,600,068
Intangible assets, net	253,910	277,724	303,642
Other assets	9,606	10,242	9,586
Deferred tax assets, net	5,014	6,514	7,770
Total assets	4,322,408	4,289,915	3,959,557
Current liabilities
Accounts payable and accrued liabilities	141,314	163,050	146,163
Customer deposits and prepayments	76,452	70,580	70,056
Lease liability, current	97,809	101,962	96,215
Total current liabilities	315,575	335,592	312,434
Revolving unsecured credit facilities	150,000	568,000	376,000
Senior unsecured notes	1,529,870	1,037,647	1,036,660
Deferred tax liabilities, net	129,060	136,773	140,609
Lease liability, non-current	219,454	215,485	197,135
Total liabilities	2,343,959	2,293,497	2,062,838
Stockholders’ equity:
Common stock	575	573	573
Additional paid-in capital	1,760,986	1,741,046	1,734,122
Retained earnings	1,296,721	1,218,029	1,122,579
Accumulated other comprehensive loss	(84,366)	(43,037)	(49,258)
Common stock held in treasury, at cost	(995,467)	(920,193)	(911,297)
Total stockholders’ equity	1,978,449	1,996,418	1,896,719
Total liabilities and stockholders’ equity	$ 4,322,408	$ 4,289,915	$ 3,959,557

General (Policies)	3 Months Ended	6 Months Ended
General (Policies)	Jun. 30, 2024	Jun. 30, 2024
Accounting Policies [Abstract]
Basis of Presentation		The accompanying consolidated balance sheet as of December 31, 2023, which is derived from audited consolidated financial statements, and the unaudited consolidated financial statements, including the notes thereto, includes the accounts of FirstCash Holdings, Inc. and its wholly-owned subsidiaries (together, the “Company”). The Company regularly makes acquisitions, and the results of operations for the acquisitions have been consolidated since the acquisition dates. All significant intercompany accounts and transactions have been eliminated. These unaudited consolidated financial statements have been prepared in accordance with U.S. generally accepted accounting principles (“GAAP”) for interim financial information and with the rules and regulations for reporting on Form 10-Q. Accordingly, they do not include certain information and disclosures required for comprehensive financial statements. These interim period financial statements should be read in conjunction with the Company’s audited consolidated financial statements, which are included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2023, filed with the SEC on February 5, 2024. The consolidated financial statements as of June 30, 2024 and 2023, and for the three month and six month periods ended June 30, 2024 and 2023, are unaudited, but in management’s opinion include all adjustments (consisting of only normal recurring adjustments) considered necessary to present fairly the financial position, results of operations and cash flow for such interim periods. Operating results for the periods ended June 30, 2024 are not necessarily indicative of the results that may be expected for the full year. The Company has pawn operations in Latin America, where in Mexico, Guatemala and Colombia, the functional currency is the Mexican peso, Guatemalan quetzal and Colombian peso. Accordingly, the assets and liabilities of these subsidiaries are translated into U.S. dollars at the exchange rate in effect at each balance sheet date, and the resulting adjustments are accumulated in other comprehensive income (loss) as a separate component of stockholders’ equity. Revenues and expenses are translated at the average exchange rates occurring during the respective period. The Company also has pawn operations in El Salvador, where the reporting and functional currency is the U.S. dollar.
Use of Estimates		The preparation of interim financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities, and related revenue and expenses, and the disclosure of gain and loss contingencies at the date of the financial statements. Such estimates and assumptions are subject to a number of risks and uncertainties, which may cause actual results to differ materially from the Company’s estimates.
Recent Accounting Pronouncements	In October 2023, the FASB issued ASU No 2023-06, “Disclosure Agreements – Codification Amendments in Response to the SEC’s Disclosure Update and Simplification Initiative” (“ASU 2023-06”). ASU 2023-06 will align the disclosure and presentation requirements in the FASB Accounting Standards Codification with the SEC’s regulations. The amendments in ASU 2023-06 will be applied prospectively and are effective when the SEC removes the related requirements from Regulations S-X or S-K. Any amendments the SEC does not remove by June 30, 2027 will not be effective. As the Company is currently subject to these SEC requirements, ASU 2023-06 is not expected to have a material effect on the Company’s current financial position, results of operations or financial statement disclosures. In November 2023, the FASB issued ASU No 2023-07, “Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures” (“ASU 2023-07”). ASU 2023-07 expands disclosures about a public entity’s reportable segments and requires more enhanced information about a reportable segment’s expenses, interim segment profit or loss, and how a public entity’s chief operating decision maker uses reported segment profit or loss information in assessing segment performance and allocating resources. ASU 2023-07 is effective for fiscal years beginning after December 15, 2023 and interim periods within fiscal years beginning after December 15, 2024. Early adoption is permitted. ASU 2023-07 should be applied retrospectively to all prior periods presented in the financial statements. The Company does not expect ASU 2023-07 to have a material effect on the Company’s current financial position, results of operations or financial statement disclosures. In December 2023, the FASB issued ASU No 2023-09, “Income Taxes (Topic 740): Improvements to Income Tax Disclosures” (“ASU 2023-09”). ASU 2023-09 expands disclosures in the rate reconciliation and requires disclosure of income taxes paid by jurisdiction. ASU 2023-09 is effective for fiscal years beginning after December 15, 2024. Early adoption is permitted. ASU 2023-09 should be applied prospectively; however, retrospective application is permitted. The Company does not expect ASU 2023-09 to have a material effect on the Company’s current financial position, results of operations or financial statement disclosures. In March 2024, the FASB issued ASU No 2024-02, “Codification Improvements - Amendments to Remove References to the Concepts Statements” (“ASU 2024-02”). ASU 2024-02 removes references to various Concepts Statements. In most instances, the references are extraneous and not required to understand or apply the guidance. ASU 2024-02 is effective for fiscal years beginning after December 15, 2024. Early adoption is permitted. ASU 2024-02 can be applied prospectively or retrospectively. The Company adopted ASU 2024-02 effective January 1, 2024 on a prospective basis. The adoption of ASU 2024-02 did not have a material effect on the Company’s current financial position, results of operations or financial statement disclosures
Fair Value Measurement		The fair value of financial instruments is determined by reference to various market data and other valuation techniques, as appropriate. Financial assets and liabilities are classified based on the lowest level of input that is significant to the fair value measurement. The Company’s assessment of the significance of a particular input to the fair value measurement requires judgment, and may affect the valuation of the fair value of assets and liabilities and their placement within the fair value hierarchy levels. The three fair value levels are (from highest to lowest): Level 1: Quoted market prices in active markets for identical assets or liabilities. Level 2: Observable market-based inputs or unobservable inputs that are corroborated by market data. Level 3: Unobservable inputs that are not corroborated by market data.

Acquisitions

6 Months Ended

Jun. 30, 2024

Business Combination and Asset Acquisition [Abstract]

Acquisitions

Consistent with the Company’s strategy to continue its expansion of pawn stores in strategic markets, during the six months ended June 30, 2024, the Company acquired 27 pawn stores in the U.S. in four separate transactions and acquired one pawn license that was used to open one new pawn store in the state of Nevada. The aggregate purchase price for these acquisitions totaled $99.2 million, net of cash acquired and subject to future post-closing adjustments. The aggregate purchase price was composed of $65.0 million in cash, $29.3 million in stock consideration and remaining short-term amounts payable to certain of the sellers of approximately $4.9 million. During the six months ended June 30, 2024, the Company also paid $0.7 million of purchase price amounts payable related to prior-year pawn acquisitions.

The purchase price of each of the 2024 acquisitions was allocated to assets acquired and liabilities assumed based upon the estimated fair values at the date of acquisition. The excess purchase price over the estimated fair value of the net assets acquired has been recorded as goodwill. The goodwill arising from these acquisitions consists largely of the synergies and economies of scale expected from combining the operations of the Company and the pawn stores acquired. These acquisitions were not material individually or in the aggregate to the Company’s consolidated financial statements.

The estimated fair value of the assets acquired and liabilities assumed are preliminary, as the Company is gathering information to finalize the valuation of these assets and liabilities. The preliminary allocation of the aggregate purchase prices for these individually immaterial acquisitions during the six months ended June 30, 2024 is as follows (in thousands):


Pawn loans	$	11,179
Accounts receivable	796

Inventories	8,465


Property and equipment	551

Goodwill (1)	79,596
Intangible assets	1,270

Current liabilities	(2,629)





Aggregate purchase price	$	99,228

(1)Substantially all of the goodwill is expected to be deductible for U.S. income tax purposes.

The results of operations for the acquired stores have been consolidated since the respective acquisition dates. During 2024, revenue from the acquired stores was $8.2 million and the earnings from the combined acquisitions since the acquisition dates (including $1.5 million of transaction and integration costs, net of tax) was $1.2 million.

Acquisitions (Tables)

6 Months Ended

Jun. 30, 2024

Business Combination and Asset Acquisition [Abstract]

Schedule of Preliminary Allocations of Purchase Price

The preliminary allocation of the aggregate purchase prices for these individually immaterial acquisitions during the six months ended June 30, 2024 is as follows (in thousands):


Pawn loans	$	11,179
Accounts receivable	796

Inventories	8,465


Property and equipment	551

Goodwill (1)	79,596
Intangible assets	1,270

Current liabilities	(2,629)





Aggregate purchase price	$	99,228

(1)Substantially all of the goodwill is expected to be deductible for U.S. income tax purposes

CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
$ in Thousands

6 Months Ended

Jun. 30, 2024

Jun. 30, 2023

Cash flow from operating activities:

Net income

$ 110,441

$ 92,568

Adjustments to reconcile net income to net cash flow provided by operating activities:

Depreciation of leased merchandise

230,441

204,126

Provision for lease losses

90,663

101,938

Provision for loan losses

61,534

57,475

Share-based compensation expense

8,203

6,750

Depreciation and amortization expense

52,574

54,161

Amortization of debt issuance costs

1,763

1,375

Net amortization of premiums, discounts and unearned origination fees on finance receivables

(15,471)

(7,411)

Impairments and dispositions of certain other assets

1,461

124

Deferred income taxes, net

(6,668)

(10,571)

Changes in operating assets and liabilities, net of business combinations:

Accounts receivable, net

(965)

(3,551)

Inventories purchased directly from customers, wholesalers or manufacturers

(777)

11,476

Leased merchandise, net

(292,848)

(295,907)

Prepaid expenses and other assets

(1,654)

(4,696)

Accounts payable, accrued liabilities and other liabilities

(16,185)

(2,936)

Income taxes

6,207

748

Net cash flow provided by operating activities

228,719

205,669

Cash flow from investing activities:

Pawn loans, net

^[1]

(20,887)

188

Finance receivables, net

(37,563)

(57,125)

Purchases of furniture, fixtures, equipment and improvements

(42,664)

(28,348)

Purchases of store real property

(21,100)

(34,542)

Acquisitions of pawn stores, net of cash acquired

(65,650)

(5,472)

Net cash flow used in investing activities

(187,864)

(125,299)

Cash flow from financing activities:

Borrowings from unsecured credit facilities

300,000

180,000

Repayments of unsecured credit facilities

(718,000)

(143,000)

Issuance of senior unsecured notes

500,000

Debt issuance costs paid

(9,094)

Purchases of treasury stock

(85,000)

(101,843)

Payment of withholding taxes on net share settlements of restricted stock unit awards

(7,007)

(2,463)

Dividends paid

(31,749)

(30,592)

Net cash flow used in financing activities

(50,850)

(97,898)

Effect of exchange rates on cash

(3,330)

4,796

Change in cash and cash equivalents

(13,325)

(12,732)

Cash and cash equivalents at beginning of the period

127,018

117,330

Cash and cash equivalents at end of the period

$ 113,693

$ 104,598

[1]	Includes the funding of new pawn loans net of cash repayments and recovery of principal through the sale of inventories acquired from forfeiture of pawn collateral.

Fair Value of Financial Instruments

6 Months Ended

Jun. 30, 2024

Fair Value Disclosures [Abstract]

Fair Value of Financial Instruments

The fair value of financial instruments is determined by reference to various market data and other valuation techniques, as appropriate. Financial assets and liabilities are classified based on the lowest level of input that is significant to the fair value measurement. The Company’s assessment of the significance of a particular input to the fair value measurement requires judgment, and may affect the valuation of the fair value of assets and liabilities and their placement within the fair value hierarchy levels. The three fair value levels are (from highest to lowest):

Level 1: Quoted market prices in active markets for identical assets or liabilities.

Level 2: Observable market-based inputs or unobservable inputs that are corroborated by market data.

Level 3: Unobservable inputs that are not corroborated by market data.

Recurring Fair Value Measurements

The Company did not have any financial assets and liabilities measured at fair value on a recurring basis as of June 30, 2024, June 30, 2023 and December 31, 2023.

Fair Value Measurements on a Non-Recurring Basis

The Company measures non-financial assets and liabilities, such as property and equipment and intangible assets, at fair value on a non-recurring basis, or when events or circumstances indicate that the carrying amount of the assets may be impaired. There were no such events or conditions identified during the six months ended June 30, 2024.

Financial Assets and Liabilities Not Measured at Fair Value, But for Which Fair Value is Disclosed

The Company’s financial assets and liabilities as of June 30, 2024, June 30, 2023 and December 31, 2023 that are not measured at fair value in the consolidated balance sheets are as follows (in thousands):


	Carrying Value		Estimated Fair Value
	June 30,		June 30,		Fair Value Measurements Using
	2024		2024		Level 1		Level 2		Level 3
Financial assets:
Cash and cash equivalents	$	113,693	$	113,693	$	113,693	$	—	$	—
Accounts receivable, net	72,158		72,158		—		—		72,158
Pawn loans	491,731		491,731		—		—		491,731
Finance receivables, net (1)	105,401		231,587		—		—		231,587
	$	782,983	$	909,169	$	113,693	$	—	$	795,476

Financial liabilities:
Revolving unsecured credit facilities	$	150,000	$	150,000	$	—	$	150,000	$	—
Senior unsecured notes (outstanding principal)	1,550,000		1,484,000		—		1,484,000		—
	$	1,700,000	$	1,634,000	$	—	$	1,634,000	$	—

(1)Finance receivables, gross as of June 30, 2024 was $227.7 million. See Note 6.


	Carrying Value		Estimated Fair Value
	June 30,		June 30,		Fair Value Measurements Using
	2023		2023		Level 1		Level 2		Level 3
Financial assets:
Cash and cash equivalents	$	104,598	$	104,598	$	104,598	$	—	$	—
Accounts receivable, net	63,337		63,337		—		—		63,337
Pawn loans	426,165		426,165		—		—		426,165
Finance receivables, net (1)	110,555		225,195		—		—		225,195
	$	704,655	$	819,295	$	104,598	$	—	$	714,697

Financial liabilities:
Revolving unsecured credit facilities	$	376,000	$	376,000	$	—	$	376,000	$	—
Senior unsecured notes (outstanding principal)	1,050,000		941,000		—		941,000		—
	$	1,426,000	$	1,317,000	$	—	$	1,317,000	$	—

(1)Finance receivables, gross as of June 30, 2023 was $216.0 million. See Note 6.


	Carrying Value		Estimated Fair Value
	December 31,		December 31,		Fair Value Measurements Using
	2023		2023		Level 1		Level 2		Level 3
Financial assets:
Cash and cash equivalents	$	127,018	$	127,018	$	127,018	$	—	$	—
Accounts receivable, net	71,922		71,922		—		—		71,922
Pawn loans	471,846		471,846		—		—		471,846
Finance receivables, net (1)	113,901		227,732		—		—		227,732
	$	784,687	$	898,518	$	127,018	$	—	$	771,500

Financial liabilities:
Revolving unsecured credit facilities	$	568,000	$	568,000	$	—	$	568,000	$	—
Senior unsecured notes (outstanding principal)	1,050,000		987,000		—		987,000		—
	$	1,618,000	$	1,555,000	$	—	$	1,555,000	$	—

(1)Finance receivables, gross as of December 31, 2023 were $227.5 million. See Note 6.

As cash and cash equivalents have maturities of less than three months, the carrying value of cash and cash equivalents approximates fair value. Due to their short-term maturities, the carrying value of pawn loans and accounts receivable, net approximate fair value.

Finance receivables are measured at amortized cost, net of an allowance for loan losses on the consolidated balance sheets. In estimating fair value for finance receivables, the Company utilized a discounted cash flow methodology. The Company used various unobservable inputs reflecting its own assumptions, such as contractual future principal and interest cash flows, future charge-off rates and discount rates (which consider current interest rates and are adjusted for credit risk, among other factors).

The carrying value of the unsecured credit facilities approximates fair value as of June 30, 2024, June 30, 2023 and December 31, 2023. The fair value of the unsecured credit facilities is estimated based on market values for debt issuances with similar characteristics or rates currently available for debt with similar terms. In addition, the unsecured credit facilities have a variable interest rate based on the prevailing secured overnight financing rate (“SOFR”) or the Mexican Central Bank’s interbank equilibrium rate (“TIIE”) and reprice with any changes in SOFR or TIIE. The fair value of the senior unsecured notes is estimated based on quoted prices in markets that are not active.

- Definition

The entire disclosure for the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined), and the measurements of those instruments as well as disclosures related to the fair value of non-financial assets and liabilities. Such disclosures about the financial instruments, assets, and liabilities would include: (1) the fair value of the required items together with their carrying amounts (as appropriate); (2) for items for which it is not practicable to estimate fair value, disclosure would include: (a) information pertinent to estimating fair value (including, carrying amount, effective interest rate, and maturity, and (b) the reasons why it is not practicable to estimate fair value; (3) significant concentrations of credit risk including: (a) information about the activity, region, or economic characteristics identifying a concentration, (b) the maximum amount of loss the entity is exposed to based on the gross fair value of the related item, (c) policy for requiring collateral or other security and information as to accessing such collateral or security, and (d) the nature and brief description of such collateral or security; (4) quantitative information about market risks and how such risks are managed; (5) for items measured on both a recurring and nonrecurring basis information regarding the inputs used to develop the fair value measurement; and (6) for items presented in the financial statement for which fair value measurement is elected: (a) information necessary to understand the reasons for the election, (b) discussion of the effect of fair value changes on earnings, (c) a description of [similar groups] items for which the election is made and the relation thereof to the balance sheet, the aggregate carrying value of items included in the balance sheet that are not eligible for the election; (7) all other required (as defined) and desired information.

+ References + Details

Leased Merchandise, Net

6 Months Ended

Jun. 30, 2024

Receivables [Abstract]

Leased Merchandise, Net

Leased merchandise, net consists of the following (in thousands):


	As of June 30,				As of December 31,
	2024		2023		2023
Leased merchandise	$	364,831	$	369,547	$	384,129
Processing fees	(3,824)		(4,313)		(4,348)
Merchant partner discounts and premiums, net	1,851		2,735		2,501
Accumulated depreciation	(117,145)		(113,852)		(115,964)
Leased merchandise, before allowance for lease losses	245,713		254,117		266,318
Less allowance for lease losses	(102,778)		(110,972)		(95,127)
Leased merchandise, net	$	142,935	$	143,145	$	171,191

The following table details the changes in the allowance for lease losses (in thousands):


	Three Months Ended				Six Months Ended
	June 30,				June 30,
	2024		2023		2024		2023
Balance at beginning of period	$	95,127	$	93,149	$	95,127	$	79,189
Provision for lease losses	47,653		52,873		90,663		101,938
Charge-offs	(41,666)		(36,723)		(86,679)		(73,501)
Recoveries	1,664		1,673		3,667		3,346
Balance at end of period	$	102,778	$	110,972	$	102,778	$	110,972

Cover Page - shares	6 Months Ended
Cover Page - shares	Jun. 30, 2024	Jul. 24, 2024
Cover [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Jun. 30, 2024
Document Transition Report	false
Entity File Number	001-10960
Entity Registrant Name	FIRSTCASH HOLDINGS, INC.
Entity Incorporation, State or Country Code	DE
Entity Tax Identification Number	87-3920732
Entity Address, Address Line One	1600 West 7th Street
Entity Address, City or Town	Fort Worth
Entity Address, State or Province	TX
Entity Address, Postal Zip Code	76102
City Area Code	817
Local Phone Number	335-1100
Title of 12(b) Security	Common Stock, par value $.01 per share
Trading Symbol	FCFS
Security Exchange Name	NASDAQ
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		44,752,348
Entity Central Index Key	0000840489
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2024
Document Fiscal Period Focus	Q2
Amendment Flag	false

Segment Information (Details) $ in Thousands	3 Months Ended		6 Months Ended
Segment Information (Details) $ in Thousands	Jun. 30, 2024 USD ($)	Jun. 30, 2023 USD ($)	Jun. 30, 2024 USD ($) segment	Jun. 30, 2023 USD ($)	Dec. 31, 2023 USD ($)
Schedule of Revenues from External Customers [Line Items]
Number of reportable segments \| segment			3
Revenue:
Retail merchandise sales	$ 363,463	$ 320,864	$ 730,284	$ 648,779
Pawn loan fees	181,046	154,178	360,581	305,738
Leased merchandise income	194,570	189,805	400,241	373,243
Interest and fees on finance receivables	56,799	58,192	114,186	112,834
Wholesale scrap jewelry sales	35,134	27,583	62,090	72,767
Total revenue	831,012	750,622	1,667,382	1,513,361
Cost of revenue:
Cost of retail merchandise sold	218,147	192,271	441,676	391,272
Depreciation of leased merchandise	110,157	102,521	230,441	204,126
Provision for lease losses	47,653	52,873	90,663	101,938
Provision for loan losses	31,116	28,190	61,534	57,475
Cost of wholesale scrap jewelry sold	28,542	21,880	51,831	57,607
Total cost of revenue	435,615	397,735	876,145	812,418
Net revenue	395,397	352,887	791,237	700,943
Expenses and other income:
Operating expenses	228,369	204,781	449,505	403,842
Administrative expenses	45,576	40,355	88,633	79,372
Depreciation and amortization	26,547	27,050	52,574	54,161
Interest expense	25,187	21,071	50,605	41,968
Interest income	(261)	(408)	(1,004)	(925)
Loss (gain) on foreign exchange	1,437	(817)	1,251	(1,619)
Merger and acquisition expenses	1,364	252	1,961	283
Other expenses (income), net	1,000	79	(351)	124
Total expenses and other income	329,219	292,363	643,174	577,206
Income (loss) before income taxes	66,178	60,524	148,063	123,737
Pawn loans	491,731	426,165	491,731	426,165	$ 471,846
Finance receivables, net	105,401	110,555	105,401	110,555	113,901
Inventories	315,424	267,142	315,424	267,142	312,089
Leased merchandise, net	142,935	143,145	142,935	143,145	$ 171,191
Corporate/ Eliminations
Revenue:
Retail merchandise sales	(1,075)	(1,760)	(2,093)	(3,463)
Pawn loan fees	0	0	0	0
Leased merchandise income	0	0	0	0
Interest and fees on finance receivables	0	0	0	0
Wholesale scrap jewelry sales	0	0	0	0
Total revenue	(1,075)	(1,760)	(2,093)	(3,463)
Cost of revenue:
Cost of retail merchandise sold	(578)	(928)	(1,146)	(1,819)
Depreciation of leased merchandise	(410)	(541)	(900)	(1,108)
Provision for lease losses	(171)	(175)	(341)	(276)
Provision for loan losses	0	0	0	0
Cost of wholesale scrap jewelry sold	0	0	0	0
Total cost of revenue	(1,159)	(1,644)	(2,387)	(3,203)
Net revenue	84	(116)	294	(260)
Expenses and other income:
Operating expenses	0	0	0	0
Administrative expenses	45,576	40,355	88,633	79,372
Depreciation and amortization	13,220	14,766	26,408	29,826
Interest expense	25,187	21,071	50,605	41,968
Interest income	(261)	(408)	(1,004)	(925)
Loss (gain) on foreign exchange	1,437	(817)	1,251	(1,619)
Merger and acquisition expenses	1,364	252	1,961	283
Other expenses (income), net	1,000	79	(351)	124
Total expenses and other income	87,523	75,298	167,503	149,029
Income (loss) before income taxes	(87,439)	(75,414)	(167,209)	(149,289)
Pawn loans	0	0	0	0
Finance receivables, net	0	0	0	0
Inventories	0	0	0	0
Leased merchandise, net	(221)	(1,356)	(221)	(1,356)
Operating Segments \| UNITED STATES \| Retail POS Payment Solutions
Revenue:
Retail merchandise sales	0	0	0	0
Pawn loan fees	0	0	0	0
Leased merchandise income	194,570	189,805	400,241	373,243
Interest and fees on finance receivables	56,799	58,192	114,186	112,834
Wholesale scrap jewelry sales	0	0	0	0
Total revenue	251,369	247,997	514,427	486,077
Cost of revenue:
Cost of retail merchandise sold	0	0	0	0
Depreciation of leased merchandise	110,567	103,062	231,341	205,234
Provision for lease losses	47,824	53,048	91,004	102,214
Provision for loan losses	31,116	28,190	61,534	57,475
Cost of wholesale scrap jewelry sold	0	0	0	0
Total cost of revenue	189,507	184,300	383,879	364,923
Net revenue	61,862	63,697	130,548	121,154
Expenses and other income:
Operating expenses	35,275	37,115	70,091	70,639
Administrative expenses	0	0	0	0
Depreciation and amortization	678	751	1,399	1,487
Interest expense	0	0	0	0
Interest income	0	0	0	0
Loss (gain) on foreign exchange	0	0	0	0
Merger and acquisition expenses	0	0	0	0
Other expenses (income), net	0	0	0	0
Total expenses and other income	35,953	37,866	71,490	72,126
Income (loss) before income taxes	25,909	25,831	59,058	49,028
Pawn loans	0	0	0	0
Finance receivables, net	105,401	110,555	105,401	110,555
Inventories	0	0	0	0
Leased merchandise, net	143,156	144,501	143,156	144,501
Operating Segments \| UNITED STATES \| Pawn Segment
Revenue:
Retail merchandise sales	230,093	196,043	467,083	406,724
Pawn loan fees	120,332	98,973	243,306	201,657
Leased merchandise income	0	0	0	0
Interest and fees on finance receivables	0	0	0	0
Wholesale scrap jewelry sales	26,311	17,652	44,037	43,968
Total revenue	376,736	312,668	754,426	652,349
Cost of revenue:
Cost of retail merchandise sold	132,449	111,539	272,363	233,468
Depreciation of leased merchandise	0	0	0	0
Provision for lease losses	0	0	0	0
Provision for loan losses	0	0	0	0
Cost of wholesale scrap jewelry sold	21,269	14,225	36,535	35,307
Total cost of revenue	153,718	125,764	308,898	268,775
Net revenue	223,018	186,904	445,528	383,574
Expenses and other income:
Operating expenses	125,192	108,159	244,087	217,940
Administrative expenses	0	0	0	0
Depreciation and amortization	7,231	6,330	14,244	12,200
Interest expense	0	0	0	0
Interest income	0	0	0	0
Loss (gain) on foreign exchange	0	0	0	0
Merger and acquisition expenses	0	0	0	0
Other expenses (income), net	0	0	0	0
Total expenses and other income	132,423	114,489	258,331	230,140
Income (loss) before income taxes	90,595	72,415	187,197	153,434
Pawn loans	356,342	291,447	356,342	291,447
Finance receivables, net	0	0	0	0
Inventories	223,428	180,410	223,428	180,410
Leased merchandise, net	0	0	0	0
Operating Segments \| Latin America \| Latin America Pawn Segment
Revenue:
Retail merchandise sales	134,445	126,581	265,294	245,518
Pawn loan fees	60,714	55,205	117,275	104,081
Leased merchandise income	0	0	0	0
Interest and fees on finance receivables	0	0	0	0
Wholesale scrap jewelry sales	8,823	9,931	18,053	28,799
Total revenue	203,982	191,717	400,622	378,398
Cost of revenue:
Cost of retail merchandise sold	86,276	81,660	170,459	159,623
Depreciation of leased merchandise	0	0	0	0
Provision for lease losses	0	0	0	0
Provision for loan losses	0	0	0	0
Cost of wholesale scrap jewelry sold	7,273	7,655	15,296	22,300
Total cost of revenue	93,549	89,315	185,755	181,923
Net revenue	110,433	102,402	214,867	196,475
Expenses and other income:
Operating expenses	67,902	59,507	135,327	115,263
Administrative expenses	0	0	0	0
Depreciation and amortization	5,418	5,203	10,523	10,648
Interest expense	0	0	0	0
Interest income	0	0	0	0
Loss (gain) on foreign exchange	0	0	0	0
Merger and acquisition expenses	0	0	0	0
Other expenses (income), net	0	0	0	0
Total expenses and other income	73,320	64,710	145,850	125,911
Income (loss) before income taxes	37,113	37,692	69,017	70,564
Pawn loans	135,389	134,718	135,389	134,718
Finance receivables, net	0	0	0	0
Inventories	91,996	86,732	91,996	86,732
Leased merchandise, net	$ 0	$ 0	$ 0	$ 0

CONDENSED CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY - USD ($) shares in Thousands, $ in Thousands	Total	Common Stock	Additional Paid-In Capital	Retained Earnings	Accumulated Other Comprehensive Loss	Common Stock Held in Treasury
Balance at beginning of period (shares) at Dec. 31, 2022		57,322				11,030
Balance at beginning of period at Dec. 31, 2022	$ 1,879,766	$ 573	$ 1,734,528	$ 1,060,603	$ (106,573)	$ (809,365)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Shares issued under share-based compensation plan, net of 59 shares net-settled	(2,463)		(7,156)			$ 4,693
Shares issued under share-based compensation plan (shares)						(64)
Share-based compensation expense	3,375		3,375
Net income	47,388			47,388
Cash dividends	(15,294)			(15,294)
Currency translation adjustment	29,513				29,513
Purchases of treasury stock (shares)						782
Purchases of treasury stock, including excise tax	(71,411)					$ (71,411)
Balance at end of period (shares) at Mar. 31, 2023		57,322				11,748
Balance at end of period at Mar. 31, 2023	1,870,874	$ 573	1,730,747	1,092,697	(77,060)	$ (876,083)
Balance at beginning of period (shares) at Dec. 31, 2022		57,322				11,030
Balance at beginning of period at Dec. 31, 2022	1,879,766	$ 573	1,734,528	1,060,603	(106,573)	$ (809,365)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	92,568
Balance at end of period (shares) at Jun. 30, 2023		57,322				12,119
Balance at end of period at Jun. 30, 2023	1,896,719	$ 573	1,734,122	1,122,579	(49,258)	$ (911,297)
Balance at beginning of period (shares) at Mar. 31, 2023		57,322				11,748
Balance at beginning of period at Mar. 31, 2023	1,870,874	$ 573	1,730,747	1,092,697	(77,060)	$ (876,083)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Share-based compensation expense	3,375		3,375
Net income	45,180			45,180
Cash dividends	(15,298)			(15,298)
Currency translation adjustment	27,802				27,802
Purchases of treasury stock (shares)						371
Purchases of treasury stock, including excise tax	(35,214)					$ (35,214)
Balance at end of period (shares) at Jun. 30, 2023		57,322				12,119
Balance at end of period at Jun. 30, 2023	1,896,719	$ 573	1,734,122	1,122,579	(49,258)	$ (911,297)
Balance at beginning of period (shares) at Dec. 31, 2023		57,322				12,214
Balance at beginning of period at Dec. 31, 2023	1,996,418	$ 573	1,741,046	1,218,029	(43,037)	$ (920,193)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Shares issued under share-based compensation plan, net of 59 shares net-settled	(7,007)		(17,583)			$ 10,576
Shares issued under share-based compensation plan (shares)						(140)
Share-based compensation expense	4,101		4,101
Net income	61,368			61,368
Cash dividends	(15,833)			(15,833)
Currency translation adjustment	6,335				6,335
Balance at end of period (shares) at Mar. 31, 2024		57,322				12,074
Balance at end of period at Mar. 31, 2024	2,045,382	$ 573	1,727,564	1,263,564	(36,702)	$ (909,617)
Balance at beginning of period (shares) at Dec. 31, 2023		57,322				12,214
Balance at beginning of period at Dec. 31, 2023	1,996,418	$ 573	1,741,046	1,218,029	(43,037)	$ (920,193)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	110,441
Balance at end of period (shares) at Jun. 30, 2024		57,547				12,795
Balance at end of period at Jun. 30, 2024	1,978,449	$ 575	1,760,986	1,296,721	(84,366)	$ (995,467)
Balance at beginning of period (shares) at Mar. 31, 2024		57,322				12,074
Balance at beginning of period at Mar. 31, 2024	2,045,382	$ 573	1,727,564	1,263,564	(36,702)	$ (909,617)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Share-based compensation expense	4,102		4,102
Net income	49,073			49,073
Cash dividends	(15,916)			(15,916)
Currency translation adjustment	(47,664)				(47,664)
Purchases of treasury stock (shares)						721
Purchases of treasury stock, including excise tax	(85,850)					$ (85,850)
Balance at end of period (shares) at Jun. 30, 2024		57,547				12,795
Balance at end of period at Jun. 30, 2024	1,978,449	$ 575	1,760,986	$ 1,296,721	$ (84,366)	$ (995,467)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Stock Issued During Period, Value, Acquisitions	$ 29,322	$ 2	$ 29,320
Stock Issued During Period, Shares, Acquisitions		225

Leased Merchandise, Net (Tables)

6 Months Ended

Jun. 30, 2024

Receivables [Abstract]

Leased Merchandise, Net

Leased merchandise, net consists of the following (in thousands):


	As of June 30,				As of December 31,
	2024		2023		2023
Leased merchandise	$	364,831	$	369,547	$	384,129
Processing fees	(3,824)		(4,313)		(4,348)
Merchant partner discounts and premiums, net	1,851		2,735		2,501
Accumulated depreciation	(117,145)		(113,852)		(115,964)
Leased merchandise, before allowance for lease losses	245,713		254,117		266,318
Less allowance for lease losses	(102,778)		(110,972)		(95,127)
Leased merchandise, net	$	142,935	$	143,145	$	171,191

Leased Merchandise, Allowance for Credit Loss

The following table details the changes in the allowance for lease losses (in thousands):


	Three Months Ended				Six Months Ended
	June 30,				June 30,
	2024		2023		2024		2023
Balance at beginning of period	$	95,127	$	93,149	$	95,127	$	79,189
Provision for lease losses	47,653		52,873		90,663		101,938
Charge-offs	(41,666)		(36,723)		(86,679)		(73,501)
Recoveries	1,664		1,673		3,667		3,346
Balance at end of period	$	102,778	$	110,972	$	102,778	$	110,972

Insider Trading Arrangements	3 Months Ended
Insider Trading Arrangements	Jun. 30, 2024
Trading Arrangements, by Individual
Material Terms of Trading Arrangement	None of the Company’s directors or officers adopted, modified or terminated a Rule 10b5-1 trading arrangement or a non-Rule 10b5-1 trading arrangement, as such terms are defined under Item 408(a) of Regulation S-K, during the second quarter of 2024
Rule 10b5-1 Arrangement Adopted	false
Non-Rule 10b5-1 Arrangement Adopted	false
Rule 10b5-1 Arrangement Terminated	false
Non-Rule 10b5-1 Arrangement Terminated	false

Acquisitions (Details) $ in Millions	6 Months Ended
Acquisitions (Details) $ in Millions	Jun. 30, 2024 USD ($) store
Business Acquisition [Line Items]
Number of stores acquired \| store	27
Number of acquisitions \| store	4
Number of pawn licenses	1
Number of stores opened	1
Purchase price	$ 99.2
Cash paid in aggregate purchase price	65.0
Stock consideration in aggregate purchase price	29.3
Liabilities incurred in aggregate purchase price	4.9
Payments for Previous Acquisition	0.7
Revenue since acquisition	8.2
Transaction and integration costs	1.5
Net earnings since acquisition	$ 1.2

Long-Term Debt (Tables)

6 Months Ended

Jun. 30, 2024

Debt Disclosure [Abstract]

Schedule of Long-term Debt Instruments

The following table details the Company’s long-term debt at the respective principal amounts, net of unamortized debt issuance costs on the senior unsecured notes (in thousands):


	As of June 30,				As of December 31,
	2024		2023		2023
Revolving unsecured credit facilities:
Revolving unsecured credit facility, maturing 2027 (1)	$	150,000	$	376,000	$	568,000
Revolving unsecured uncommitted credit facility, maturing 2027 (1)	—		—		—
Total revolving unsecured credit facilities	150,000		376,000		568,000

Senior unsecured notes:
4.625% senior unsecured notes due 2028 (2)	495,031		493,981		494,499
5.625% senior unsecured notes due 2030 (3)	543,632		542,679		543,148
6.875% senior unsecured notes due 2032 (4)	491,207		—		—
Total senior unsecured notes	1,529,870		1,036,660		1,037,647

Total long-term debt	$	1,679,870	$	1,412,660	$	1,605,647

(1)Debt issuance costs related to the Company’s revolving unsecured credit facilities are included in other assets in the accompanying consolidated balance sheets.

(2)As of June 30, 2024, June 30, 2023 and December 31, 2023, deferred debt issuance costs of $5.0 million, $6.0 million and $5.5 million, respectively, are included as a direct deduction from the carrying amount of the senior unsecured notes due 2028 in the accompanying consolidated balance sheets.

(3)As of June 30, 2024, June 30, 2023 and December 31, 2023, deferred debt issuance costs of $6.4 million, $7.3 million and $6.9 million, respectively, are included as a direct deduction from the carrying amount of the senior unsecured notes due 2030 in the accompanying consolidated balance sheets.

(4)As of June 30, 2024, deferred debt issuance costs of $8.8 million are included as a direct deduction from the carrying amount of the senior unsecured notes due 2032 in the accompanying consolidated balance sheets.

- Definition

Tabular disclosure of long-debt instruments or arrangements, including identification, terms, features, collateral requirements and other information necessary to a fair presentation. These are debt arrangements that originally required repayment more than twelve months after issuance or greater than the normal operating cycle of the entity, if longer.

+ References

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+ Details

Finance Receivables, Net (Details) - USD ($) $ in Thousands	3 Months Ended	6 Months Ended
Finance Receivables, Net (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Jun. 30, 2024	Jun. 30, 2023	Dec. 31, 2023	Mar. 31, 2023	Dec. 31, 2022
Receivables [Abstract]
Finance receivables, gross		$ 227,694	$ 216,037	$ 227,474
Merchant partner discounts and premiums, net	$ (11,907)	(16,935)	(7,812)
Unearned origination fees	(5,212)	(5,397)	(4,616)
Finance receivables, amortized cost		205,362	203,609	210,355
Less allowance for loan losses	$ (96,020)	(99,961)	(93,054)	(96,454)	$ (88,610)	$ (84,833)
Finance receivables, net		$ 105,401	$ 110,555	$ 113,901

- Definition

Amount of allowance for credit loss on financing receivable. Excludes allowance for financing receivable covered under loss sharing agreement.

+ References + Details

- Definition

Amortized cost, before allowance for credit loss, of financing receivable. Excludes financing receivable covered under loss sharing agreement and net investment in lease.

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+ Details

Finance Receivables, Net - Aging of Finance Receivable (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023	Jun. 30, 2023	Jun. 30, 2022
Financing Receivable, Past Due [Line Items]
Finance receivable, before allowance for credit loss, premium and discount			$ 203,609
Finance receivables, amortized cost	$ 205,362	$ 210,355	203,609
Year 2023
Financing Receivable, Past Due [Line Items]
Finance receivables, amortized cost	125,884
Year 2022
Financing Receivable, Past Due [Line Items]
Finance receivable, before allowance for credit loss, premium and discount			131,748
Finance receivables, amortized cost			74,761
Year 2021
Financing Receivable, Past Due [Line Items]
Finance receivable, before allowance for credit loss, premium and discount			65,993
Finance receivables, amortized cost				$ 4,717
Year 2020
Financing Receivable, Past Due [Line Items]
Finance receivable, before allowance for credit loss, premium and discount			5,868
Financial Asset, 1 to 29 Days Past Due
Financing Receivable, Past Due [Line Items]
Finance receivable, before allowance for credit loss, premium and discount			19,579
Finance receivables, amortized cost	20,953
Financial Asset, 1 to 29 Days Past Due \| Year 2023
Financing Receivable, Past Due [Line Items]
Finance receivables, amortized cost	12,057
Financial Asset, 1 to 29 Days Past Due \| Year 2022
Financing Receivable, Past Due [Line Items]
Finance receivable, before allowance for credit loss, premium and discount			11,825
Finance receivables, amortized cost			8,377
Financial Asset, 1 to 29 Days Past Due \| Year 2021
Financing Receivable, Past Due [Line Items]
Finance receivable, before allowance for credit loss, premium and discount			7,141
Finance receivables, amortized cost				519
Financial Asset, 1 to 29 Days Past Due \| Year 2020
Financing Receivable, Past Due [Line Items]
Finance receivable, before allowance for credit loss, premium and discount			613
Financial Asset, 30 to 59 Days Past Due
Financing Receivable, Past Due [Line Items]
Finance receivable, before allowance for credit loss, premium and discount			10,547
Finance receivables, amortized cost	11,301
Financial Asset, 30 to 59 Days Past Due \| Year 2023
Financing Receivable, Past Due [Line Items]
Finance receivables, amortized cost	6,054
Financial Asset, 30 to 59 Days Past Due \| Year 2022
Financing Receivable, Past Due [Line Items]
Finance receivable, before allowance for credit loss, premium and discount			6,002
Finance receivables, amortized cost			4,883
Financial Asset, 30 to 59 Days Past Due \| Year 2021
Financing Receivable, Past Due [Line Items]
Finance receivable, before allowance for credit loss, premium and discount			4,136
Finance receivables, amortized cost				364
Financial Asset, 30 to 59 Days Past Due \| Year 2020
Financing Receivable, Past Due [Line Items]
Finance receivable, before allowance for credit loss, premium and discount			409
Financial Asset, 60 to 89 Days Past Due
Financing Receivable, Past Due [Line Items]
Finance receivable, before allowance for credit loss, premium and discount			8,865
Finance receivables, amortized cost	9,185
Financial Asset, 60 to 89 Days Past Due \| Year 2023
Financing Receivable, Past Due [Line Items]
Finance receivables, amortized cost	4,089
Financial Asset, 60 to 89 Days Past Due \| Year 2022
Financing Receivable, Past Due [Line Items]
Finance receivable, before allowance for credit loss, premium and discount			4,324
Finance receivables, amortized cost			4,754
Financial Asset, 60 to 89 Days Past Due \| Year 2021
Financing Receivable, Past Due [Line Items]
Finance receivable, before allowance for credit loss, premium and discount			4,128
Finance receivables, amortized cost				342
Financial Asset, 60 to 89 Days Past Due \| Year 2020
Financing Receivable, Past Due [Line Items]
Finance receivable, before allowance for credit loss, premium and discount			413
Total past due
Financing Receivable, Past Due [Line Items]
Finance receivable, before allowance for credit loss, premium and discount			38,991
Finance receivables, amortized cost	41,439
Total past due \| Year 2023
Financing Receivable, Past Due [Line Items]
Finance receivables, amortized cost	22,200
Total past due \| Year 2022
Financing Receivable, Past Due [Line Items]
Finance receivable, before allowance for credit loss, premium and discount			22,151
Finance receivables, amortized cost			18,014
Total past due \| Year 2021
Financing Receivable, Past Due [Line Items]
Finance receivable, before allowance for credit loss, premium and discount			15,405
Finance receivables, amortized cost				1,225
Total past due \| Year 2020
Financing Receivable, Past Due [Line Items]
Finance receivable, before allowance for credit loss, premium and discount			1,435
Financial Asset, Not Past Due
Financing Receivable, Past Due [Line Items]
Finance receivable, before allowance for credit loss, premium and discount			164,618
Finance receivables, amortized cost	163,923
Financial Asset, Not Past Due \| Year 2023
Financing Receivable, Past Due [Line Items]
Finance receivables, amortized cost	$ 103,684
Financial Asset, Not Past Due \| Year 2022
Financing Receivable, Past Due [Line Items]
Finance receivable, before allowance for credit loss, premium and discount			109,597
Finance receivables, amortized cost			56,747
Financial Asset, Not Past Due \| Year 2021
Financing Receivable, Past Due [Line Items]
Finance receivable, before allowance for credit loss, premium and discount			50,588
Finance receivables, amortized cost				$ 3,492
Financial Asset, Not Past Due \| Year 2020
Financing Receivable, Past Due [Line Items]
Finance receivable, before allowance for credit loss, premium and discount			$ 4,433

Operating Leases - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Lessee, Lease, Description [Line Items]
Weighted average remaining lease term	4 years 1 month 6 days	3 years 10 months 24 days	4 years 1 month 6 days	3 years 10 months 24 days
Weighted average discount rate (as a percent)	8.30%	7.30%	8.30%	7.30%
Foreign currency transaction gain (loss), net	$ (1,437)	$ 817	$ (1,251)	$ 1,619
Operating Lease Income
Lessee, Lease, Description [Line Items]
Foreign currency transaction gain (loss), net	$ (1,900)	$ 1,100	$ (1,600)	$ 2,300
Minimum
Lessee, Lease, Description [Line Items]
General term of leased facilities	3 years		3 years
Leased facilities renewal term	3 years		3 years
Maximum
Lessee, Lease, Description [Line Items]
General term of leased facilities	5 years		5 years
Leased facilities renewal term	5 years		5 years

Commitments and Contingencies	6 Months Ended
Commitments and Contingencies	Jun. 30, 2024
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingencies	Commitments and Contingencies Litigation The Company, in the ordinary course of business, is a party to various legal and regulatory proceedings and other general claims. Although no assurances can be given, in management’s opinion, such outstanding proceedings are not expected to have a material adverse effect on the Company’s financial position, results of operations, or cash flows. The Company believes it has meritorious defenses to all of the claims described below and intends to vigorously defend itself against such claims. However, legal and regulatory proceedings involve an inherent level of uncertainty and no assurances can be given regarding the ultimate outcome of any such matters or whether an adverse outcome would not have a material adverse impact on the Company’s financial position, results of operations, or cash flows. At this stage, the Company is unable to determine whether a future loss will be incurred for any of its material outstanding legal and regulatory proceedings or to estimate a range of loss with respect to such proceeding, if any, and accordingly, no material amounts have been accrued in the Company’s financial statements for legal and regulatory proceedings. On November 12, 2021, the CFPB initiated a civil action in the United States District Court for the Northern District of Texas (the “N.D. Texas Court”) against FirstCash, Inc. and Cash America West, Inc., two of the Company’s subsidiaries, alleging violations of the Military Lending Act (“MLA”) in connection with pawn transactions. The CFPB also alleges that these same alleged violations of the MLA constitute breaches of a 2013 CFPB consent order entered into by its predecessor company that, among other things, allegedly required the company and its successors to cease and desist from further MLA violations. The CFPB is seeking an injunction, redress for affected borrowers and a civil monetary penalty. After an initial period of pre-trial activity, the case was stayed on November 4, 2022, pending the Supreme Court review of the Fifth Circuit's decision in Community Financial v. CFPB, where the Fifth Circuit held the CFPB’s funding mechanism was unconstitutional and its ensuing actions were void. The Supreme Court reversed that decision through an opinion issued on May 16, 2024. The N.D. Texas Court then issued a scheduling order on June 18, 2024, with the case currently scheduled for trial in June of 2025. On July 2, 2024, the CFPB renewed their prior motion to strike certain affirmative defenses of the Company. The Company intends to vigorously oppose that motion and defend the action. Gold Forward Sales Contracts As of June 30, 2024, the Company had contractual commitments to deliver a total of 84,500 gold ounces between the months of July 2024 and June 2026 at a weighted-average price of $2,171 per ounce. The ounces required to be delivered over this time period are less than the historical volume of scrap gold normally produced, and the Company expects to have the required gold ounces to meet the commitments as they come due.

Operating Leases (Tables)

6 Months Ended

Jun. 30, 2024

Leases [Abstract]

Schedule of Lease Expense and Supplemental Cash Flow Information

The following table details the components of lease expense included in operating expenses in the consolidated statements of income during the three and six months ended June 30, 2024 and 2023 (in thousands):


	Three Months Ended				Six Months Ended
	June 30,				June 30,
	2024		2023		2024		2023
Operating lease expense	$	37,553	$	34,475	$	74,472	$	68,015
Variable lease expense (1)	5,007		4,561		10,028		9,033
Total operating lease expense	$	42,560	$	39,036	$	84,500	$	77,048

(1)Variable lease costs consist primarily of taxes, insurance and common area or other maintenance costs paid based on actual costs incurred by the lessor and can therefore vary over the lease term.

The following table details supplemental cash flow information related to operating leases for the six months ended June 30, 2024 and 2023 (in thousands):


	Six Months Ended
	June 30,
	2024		2023
Cash paid for amounts included in the measurement of operating lease liabilities	$	67,055	$	60,660
Leased assets obtained in exchange for new operating lease liabilities	$	65,019	$	35,392

Schedule of Maturity of Lease Liabilities

The following table details the maturity of lease liabilities for all operating leases as of June 30, 2024 (in thousands):


Six months ending December 31, 2024	$	62,949
2025	106,485
2026	82,524
2027	55,114
2028	33,182
Thereafter	33,098
Total	$	373,352
Less amount of lease payments representing interest	(56,089)
Total present value of lease payments	$	317,263

Long-Term Debt - Narrative (Details) $ in Millions	3 Months Ended	6 Months Ended
Long-Term Debt - Narrative (Details) $ in Millions	Jun. 30, 2024 USD ($)	Jun. 30, 2024 USD ($)	Jun. 30, 2024 MXN ($)	Feb. 21, 2024 USD ($)	Dec. 13, 2021 USD ($)	Aug. 26, 2020 USD ($)
Line of Credit \| Secured overnight financing rate (SOFR) overnight index swap rate
Debt Instrument [Line Items]
Basis spread on variable rate (as a percent)		2.50%
Basis spread on variable rate, adjustment (as a percent)		0.10%
Revolving Unsecured Credit Facility due 2027 \| Line of Credit
Debt Instrument [Line Items]
Maximum borrowing capacity	$ 640,000,000.0	$ 640,000,000.0
Amount outstanding	150,000,000.0	150,000,000.0
Letters of credit outstanding	2,800,000	2,800,000
Remaining borrowing capacity	$ 487,200,000	$ 487,200,000
Commitment fee (as a percent)		0.325%
Interest rate at end of period (as a percent)	7.94%	7.94%	7.94%
Net proceeds		$ (418,000,000.0)
Revolving Unsecured Credit Facility due 2027 \| Line of Credit \| Minimum
Debt Instrument [Line Items]
Stated interest rate (as a percent)	0.00%	0.00%	0.00%
Revolving Unsecured Credit Facility due 2027 \| Line of Credit \| Prime rate
Debt Instrument [Line Items]
Basis spread on variable rate (as a percent)		1.50%
Revolving Unsecured Uncommitted Credit Facility due 2027 \| Line of Credit
Debt Instrument [Line Items]
Maximum borrowing capacity			$ 600.0
Remaining borrowing capacity	$ 32,600,000	$ 32,600,000	$ 600.0
Revolving Unsecured Uncommitted Credit Facility due 2027 \| Line of Credit \| Mexican central bank interbank equilibrium rate (TIIE)
Debt Instrument [Line Items]
Basis spread on variable rate (as a percent)		2.25%
4.625% senior unsecured notes due 2028 \| Senior Notes
Debt Instrument [Line Items]
Stated interest rate (as a percent)	4.625%	4.625%	4.625%			4.625%
Face amount						$ 500,000,000.0
Debt ratio threshold	2.75	2.75	2.75
5.625% Senior Unsecured Notes due 2030 \| Senior Notes
Debt Instrument [Line Items]
Stated interest rate (as a percent)	5.625%	5.625%	5.625%		5.625%
Face amount					$ 550,000,000.0
Debt ratio threshold	3.0	3.0	3.0
6.875% Senior Unsecured Notes due 2032 \| Senior Notes
Debt Instrument [Line Items]
Stated interest rate (as a percent)	6.875%	6.875%	6.875%	6.875%
Face amount				$ 500,000,000.0
Debt ratio threshold	3.0	3.0	3.0
Debt ratio	2.7	2.7	2.7
Debt Instrument, Redemption Price, Percentage	100.00%
Debt Instrument, Redemption Price (Up To), Percentage	40.00%

Fair Value of Financial Instruments (Tables)

6 Months Ended

Jun. 30, 2024

Fair Value Disclosures [Abstract]

Schedule of Fair Value by Balance Sheet Grouping


	Carrying Value		Estimated Fair Value
	June 30,		June 30,		Fair Value Measurements Using
	2024		2024		Level 1		Level 2		Level 3
Financial assets:
Cash and cash equivalents	$	113,693	$	113,693	$	113,693	$	—	$	—
Accounts receivable, net	72,158		72,158		—		—		72,158
Pawn loans	491,731		491,731		—		—		491,731
Finance receivables, net (1)	105,401		231,587		—		—		231,587
	$	782,983	$	909,169	$	113,693	$	—	$	795,476

Financial liabilities:
Revolving unsecured credit facilities	$	150,000	$	150,000	$	—	$	150,000	$	—
Senior unsecured notes (outstanding principal)	1,550,000		1,484,000		—		1,484,000		—
	$	1,700,000	$	1,634,000	$	—	$	1,634,000	$	—

(1)Finance receivables, gross as of June 30, 2024 was $227.7 million. See Note 6.


	Carrying Value		Estimated Fair Value
	June 30,		June 30,		Fair Value Measurements Using
	2023		2023		Level 1		Level 2		Level 3
Financial assets:
Cash and cash equivalents	$	104,598	$	104,598	$	104,598	$	—	$	—
Accounts receivable, net	63,337		63,337		—		—		63,337
Pawn loans	426,165		426,165		—		—		426,165
Finance receivables, net (1)	110,555		225,195		—		—		225,195
	$	704,655	$	819,295	$	104,598	$	—	$	714,697

Financial liabilities:
Revolving unsecured credit facilities	$	376,000	$	376,000	$	—	$	376,000	$	—
Senior unsecured notes (outstanding principal)	1,050,000		941,000		—		941,000		—
	$	1,426,000	$	1,317,000	$	—	$	1,317,000	$	—

(1)Finance receivables, gross as of June 30, 2023 was $216.0 million. See Note 6.


	Carrying Value		Estimated Fair Value
	December 31,		December 31,		Fair Value Measurements Using
	2023		2023		Level 1		Level 2		Level 3
Financial assets:
Cash and cash equivalents	$	127,018	$	127,018	$	127,018	$	—	$	—
Accounts receivable, net	71,922		71,922		—		—		71,922
Pawn loans	471,846		471,846		—		—		471,846
Finance receivables, net (1)	113,901		227,732		—		—		227,732
	$	784,687	$	898,518	$	127,018	$	—	$	771,500

Financial liabilities:
Revolving unsecured credit facilities	$	568,000	$	568,000	$	—	$	568,000	$	—
Senior unsecured notes (outstanding principal)	1,050,000		987,000		—		987,000		—
	$	1,618,000	$	1,555,000	$	—	$	1,555,000	$	—

(1)Finance receivables, gross as of December 31, 2023 were $227.5 million. See Note 6.

Finance Receivables, Net - Rollforward (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	$ 96,020	$ 88,610	$ 96,454	$ 84,833
Provision for loan losses	31,116	28,190	61,534	57,475
Charge-offs	(28,813)	(25,274)	(62,092)	(52,391)
Recoveries	1,638	1,528	4,065	3,137
Balance at end of period	$ 99,961	$ 93,054	$ 99,961	$ 93,054

- Definition

Amount of allowance for credit loss on financing receivable. Excludes allowance for financing receivable covered under loss sharing agreement.

+ References + Details

Finance Receivables, Net

6 Months Ended

Jun. 30, 2024

Receivables [Abstract]

Finance Receivables, Net

Finance receivables, net, which include retail installment sales agreements and bank-originated loans, consist of the following (in thousands):


	As of June 30,				As of December 31,
	2024		2023		2023
Finance receivables, gross	$	227,694	$	216,037	$	227,474

Merchant partner discounts and premiums, net	(16,935)		(7,812)		(11,907)
Unearned origination fees	(5,397)		(4,616)		(5,212)
Finance receivables, amortized cost	205,362		203,609		210,355
Less allowance for loan losses	(99,961)		(93,054)		(96,454)
Finance receivables, net	$	105,401	$	110,555	$	113,901

The following table details the changes in the allowance for loan losses (in thousands):


	Three Months Ended				Six Months Ended
	June 30,				June 30,
	2024		2023		2024		2023
Balance at beginning of period	$	96,020	$	88,610	$	96,454	$	84,833
Provision for loan losses	31,116		28,190		61,534		57,475

Charge-offs	(28,813)		(25,274)		(62,092)		(52,391)
Recoveries	1,638		1,528		4,065		3,137
Balance at end of period	$	99,961	$	93,054	$	99,961	$	93,054

The following is an assessment of the credit quality indicators of the amortized cost of finance receivables as of June 30, 2024 and 2023, by origination year (in thousands):


	Origination Year
	2024		2023		2022		Total
As of June 30, 2024
Delinquency:
1 to 30 days past due	$	12,057	$	8,377	$	519	$	20,953
31 to 60 days past due	6,054		4,883		364		11,301
61 to 89 days past due (1)	4,089		4,754		342		9,185
Total past due finance receivables	22,200		18,014		1,225		41,439
Current finance receivables	103,684		56,747		3,492		163,923
Finance receivables, amortized cost	$	125,884	$	74,761	$	4,717	$	205,362


	Origination Year
	2023		2022		2021		Total
As of June 30, 2023
Delinquency:
1 to 30 days past due	$	11,825	$	7,141	$	613	$	19,579
31 to 60 days past due	6,002		4,136		409		10,547
61 to 89 days past due (1)	4,324		4,128		413		8,865
Total past due finance receivables	22,151		15,405		1,435		38,991
Current finance receivables	109,597		50,588		4,433		164,618
Finance receivables, amortized cost	$	131,748	$	65,993	$	5,868	$	203,609

(1)The Company charges off finance receivables when a receivable is 90 days or more contractually past due.

The following table details the gross charge-offs of finance receivables for the six months ended June 30, 2024 and 2023, by origination year (in thousands):


	Origination Year
	2024		2023		2022		2021		Total
Finance receivables gross charge-offs:
Gross charge-offs during the six months ended June 30, 2024	$	6,589	$	50,049	$	5,454	$	—	$	62,092

Gross charge-offs during the six months ended June 30, 2023	—		6,110		39,770		6,511		52,391

Fair Value of Financial Instruments - Financial Assets and Liabilities Not Measured at Fair Value (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023	Jun. 30, 2023
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Finance receivables, gross	$ 227,694	$ 227,474	$ 216,037
Carrying Value
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	113,693	127,018	104,598
Accounts receivable, net	72,158	71,922	63,337
Total assets	782,983	784,687	704,655
Total liabilities	1,700,000	1,618,000	1,426,000
Carrying Value \| Line of Credit
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt	150,000	568,000	376,000
Carrying Value \| Senior Notes
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt	1,550,000	1,050,000	1,050,000
Carrying Value \| Pawn loans
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Loans receivable, fair value disclosure	491,731	471,846	426,165
Carrying Value \| Financing Receivable
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Loans receivable, fair value disclosure	105,401	113,901	110,555
Estimated Fair Value
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	113,693	127,018	104,598
Accounts receivable, net	72,158	71,922	63,337
Total assets	909,169	898,518	819,295
Total liabilities	1,634,000	1,555,000	1,317,000
Estimated Fair Value \| Line of Credit
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt	150,000	568,000	376,000
Estimated Fair Value \| Senior Notes
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt	1,484,000	987,000	941,000
Estimated Fair Value \| Pawn loans
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Loans receivable, fair value disclosure	491,731	471,846	426,165
Estimated Fair Value \| Financing Receivable
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Loans receivable, fair value disclosure	231,587	227,732	225,195
Estimated Fair Value \| Level 1
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	113,693	127,018	104,598
Accounts receivable, net	0	0	0
Total assets	113,693	127,018	104,598
Total liabilities	0	0	0
Estimated Fair Value \| Level 1 \| Line of Credit
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt	0	0	0
Estimated Fair Value \| Level 1 \| Senior Notes
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt	0	0	0
Estimated Fair Value \| Level 1 \| Pawn loans
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Loans receivable, fair value disclosure	0	0	0
Estimated Fair Value \| Level 1 \| Financing Receivable
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Loans receivable, fair value disclosure	0	0	0
Estimated Fair Value \| Level 2
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	0	0	0
Accounts receivable, net	0	0	0
Total assets	0	0	0
Total liabilities	1,634,000	1,555,000	1,317,000
Estimated Fair Value \| Level 2 \| Line of Credit
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt	150,000	568,000	376,000
Estimated Fair Value \| Level 2 \| Senior Notes
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt	1,484,000	987,000	941,000
Estimated Fair Value \| Level 2 \| Pawn loans
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Loans receivable, fair value disclosure	0	0	0
Estimated Fair Value \| Level 2 \| Financing Receivable
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Loans receivable, fair value disclosure	0	0	0
Estimated Fair Value \| Level 3
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	0	0	0
Accounts receivable, net	72,158	71,922	63,337
Total assets	795,476	771,500	714,697
Total liabilities	0	0	0
Estimated Fair Value \| Level 3 \| Line of Credit
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt	0	0	0
Estimated Fair Value \| Level 3 \| Senior Notes
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt	0	0	0
Estimated Fair Value \| Level 3 \| Pawn loans
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Loans receivable, fair value disclosure	491,731	471,846	426,165
Estimated Fair Value \| Level 3 \| Financing Receivable
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Loans receivable, fair value disclosure	$ 231,587	$ 227,732	$ 225,195

Operating Leases - Supplemental Cash Flow (Details) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023
Leases [Abstract]
Cash paid for amounts included in the measurement of operating lease liabilities	$ 67,055	$ 60,660
Leased assets obtained in exchange for new operating lease liabilities	$ 65,019	$ 35,392

CONDENSED CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Revenue:
Retail merchandise sales	$ 363,463	$ 320,864	$ 730,284	$ 648,779
Pawn loan fees	181,046	154,178	360,581	305,738
Leased merchandise income	194,570	189,805	400,241	373,243
Interest and fees on finance receivables	56,799	58,192	114,186	112,834
Wholesale scrap jewelry sales	35,134	27,583	62,090	72,767
Total revenue	831,012	750,622	1,667,382	1,513,361
Cost of revenue:
Cost of retail merchandise sold	218,147	192,271	441,676	391,272
Depreciation of leased merchandise	110,157	102,521	230,441	204,126
Provision for lease losses	47,653	52,873	90,663	101,938
Provision for loan losses	31,116	28,190	61,534	57,475
Cost of wholesale scrap jewelry sold	28,542	21,880	51,831	57,607
Total cost of revenue	435,615	397,735	876,145	812,418
Net revenue	395,397	352,887	791,237	700,943
Expenses and other income:
Operating expenses	228,369	204,781	449,505	403,842
Administrative expenses	45,576	40,355	88,633	79,372
Depreciation and amortization	26,547	27,050	52,574	54,161
Interest expense	25,187	21,071	50,605	41,968
Interest income	(261)	(408)	(1,004)	(925)
Loss (gain) on foreign exchange	1,437	(817)	1,251	(1,619)
Merger and acquisition expenses	1,364	252	1,961	283
Other expenses (income), net	1,000	79	(351)	124
Total expenses and other income	329,219	292,363	643,174	577,206
Income (loss) before income taxes	66,178	60,524	148,063	123,737
Provision for income taxes	17,105	15,344	37,622	31,169
Net income	$ 49,073	$ 45,180	$ 110,441	$ 92,568
Earnings per share:
Basic (USD per share)	$ 1.09	$ 0.99	$ 2.44	$ 2.02
Diluted (USD per share)	$ 1.08	$ 0.99	$ 2.44	$ 2.01

CONDENSED CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS’ EQUITY (Parenthetical) - $ / shares shares in Thousands	3 Months Ended
	Jun. 30, 2024	Mar. 31, 2024	Jun. 30, 2023	Mar. 31, 2023
Statement of Stockholders' Equity [Abstract]
Shares withheld for tax withholding obligation (in shares)		59		28
Cash dividends (USD per share)	$ 0.35	$ 0.35	$ 0.33	$ 0.33

Operating Leases

6 Months Ended

Jun. 30, 2024

Leases [Abstract]

Operating Leases

Lessor

For information about the Company’s revenue-generating activities as a lessor, refer to the “Leased merchandise and revenue recognition” section of Note 2 to the consolidated financial statements included in the Company’s 2023 Annual Report on Form 10-K. All of the Company’s lease agreements are considered operating leases.

Lessee

The Company leases the majority of its pawnshop locations and certain administrative offices under operating leases and determines if an arrangement is or contains a lease at inception. Many leases include both lease and non-lease components for which the Company accounts separately. Lease components include rent, taxes and insurance costs while non-lease components include common area or other maintenance costs. Operating leases are included in operating lease right of use assets, lease liability, current and lease liability, non-current in the consolidated balance sheets. The Company does not have any finance leases.

Leased facilities are generally leased for a term of three to five years with one or more options to renew for an additional three to five years, typically at the Company’s sole discretion. In addition, the majority of these leases can be terminated early upon an adverse change in law which negatively affects the store’s profitability. The Company regularly evaluates renewal and termination options to determine if the Company is reasonably certain to exercise the option, and excludes these options from the lease term included in the recognition of the operating lease right of use asset and lease liability until such certainty exists. The weighted-average remaining lease term for operating leases was 4.1 years as of June 30, 2024 and 3.9 years as of June 30, 2023.

The operating lease right of use asset and lease liability is recognized based on the present value of the future minimum lease payments over the lease term at the commencement date. The Company’s leases do not provide an implicit rate, and therefore, it uses its incremental borrowing rate based on the information available at the lease commencement date in determining the present value of the lease payments. The Company utilizes a portfolio approach for determining the incremental borrowing rate to apply to groups of leases with similar characteristics. The weighted-average discount rate used to measure the lease liability as of June 30, 2024 and 2023 was 8.3% and 7.3%, respectively.

The Company has certain operating leases in Mexico which are denominated in U.S. dollars. The liability related to these leases is considered a monetary liability and requires remeasurement each reporting period into the functional currency (Mexican pesos) using reporting date exchange rates. The remeasurement results in the recognition of foreign currency exchange gains or losses each reporting period, which can produce a certain level of earnings volatility. The Company recognized a foreign currency loss of $1.9 million and a gain of $1.1 million during the three months ended June 30, 2024 and 2023, respectively, related to the remeasurement of these U.S. dollar-denominated operating leases, which is included in loss (gain) on foreign

exchange in the accompanying consolidated statements of income. During the six months ended June 30, 2024 and 2023, the Company recognized a foreign currency loss of $1.6 million and a gain of $2.3 million, respectively, related to these U.S. dollar denominated leases.

Lease expense is recognized on a straight-line basis over the lease term, with variable lease expense recognized in the period such payments are incurred. The following table details the components of lease expense included in operating expenses in the consolidated statements of income during the three and six months ended June 30, 2024 and 2023 (in thousands):


	Three Months Ended				Six Months Ended
	June 30,				June 30,
	2024		2023		2024		2023
Operating lease expense	$	37,553	$	34,475	$	74,472	$	68,015
Variable lease expense (1)	5,007		4,561		10,028		9,033
Total operating lease expense	$	42,560	$	39,036	$	84,500	$	77,048

(1)Variable lease costs consist primarily of taxes, insurance and common area or other maintenance costs paid based on actual costs incurred by the lessor and can therefore vary over the lease term.

The following table details the maturity of lease liabilities for all operating leases as of June 30, 2024 (in thousands):


Six months ending December 31, 2024	$	62,949
2025	106,485
2026	82,524
2027	55,114
2028	33,182
Thereafter	33,098
Total	$	373,352
Less amount of lease payments representing interest	(56,089)
Total present value of lease payments	$	317,263

The following table details supplemental cash flow information related to operating leases for the six months ended June 30, 2024 and 2023 (in thousands):


	Six Months Ended
	June 30,
	2024		2023
Cash paid for amounts included in the measurement of operating lease liabilities	$	67,055	$	60,660
Leased assets obtained in exchange for new operating lease liabilities	$	65,019	$	35,392

Finance Receivables, Net (Tables)

6 Months Ended

Jun. 30, 2024

Receivables [Abstract]

Schedule of Finance Receivables, Net

Finance receivables, net, which include retail installment sales agreements and bank-originated loans, consist of the following (in thousands):


	As of June 30,				As of December 31,
	2024		2023		2023
Finance receivables, gross	$	227,694	$	216,037	$	227,474

Merchant partner discounts and premiums, net	(16,935)		(7,812)		(11,907)
Unearned origination fees	(5,397)		(4,616)		(5,212)
Finance receivables, amortized cost	205,362		203,609		210,355
Less allowance for loan losses	(99,961)		(93,054)		(96,454)
Finance receivables, net	$	105,401	$	110,555	$	113,901

Schedule of Allowance for Credit Losses

The following table details the changes in the allowance for loan losses (in thousands):


	Three Months Ended				Six Months Ended
	June 30,				June 30,
	2024		2023		2024		2023
Balance at beginning of period	$	96,020	$	88,610	$	96,454	$	84,833
Provision for loan losses	31,116		28,190		61,534		57,475

Charge-offs	(28,813)		(25,274)		(62,092)		(52,391)
Recoveries	1,638		1,528		4,065		3,137
Balance at end of period	$	99,961	$	93,054	$	99,961	$	93,054

Schedule of Finance Receivables Credit Quality Indicators

The following is an assessment of the credit quality indicators of the amortized cost of finance receivables as of June 30, 2024 and 2023, by origination year (in thousands):


	Origination Year
	2024		2023		2022		Total
As of June 30, 2024
Delinquency:
1 to 30 days past due	$	12,057	$	8,377	$	519	$	20,953
31 to 60 days past due	6,054		4,883		364		11,301
61 to 89 days past due (1)	4,089		4,754		342		9,185
Total past due finance receivables	22,200		18,014		1,225		41,439
Current finance receivables	103,684		56,747		3,492		163,923
Finance receivables, amortized cost	$	125,884	$	74,761	$	4,717	$	205,362


	Origination Year
	2023		2022		2021		Total
As of June 30, 2023
Delinquency:
1 to 30 days past due	$	11,825	$	7,141	$	613	$	19,579
31 to 60 days past due	6,002		4,136		409		10,547
61 to 89 days past due (1)	4,324		4,128		413		8,865
Total past due finance receivables	22,151		15,405		1,435		38,991
Current finance receivables	109,597		50,588		4,433		164,618
Finance receivables, amortized cost	$	131,748	$	65,993	$	5,868	$	203,609

(1)The Company charges off finance receivables when a receivable is 90 days or more contractually past due.

Finance Receivable, Charge-offs to allowance for credit losses

The following table details the gross charge-offs of finance receivables for the six months ended June 30, 2024 and 2023, by origination year (in thousands):


	Origination Year
	2024		2023		2022		2021		Total
Finance receivables gross charge-offs:
Gross charge-offs during the six months ended June 30, 2024	$	6,589	$	50,049	$	5,454	$	—	$	62,092

Gross charge-offs during the six months ended June 30, 2023	—		6,110		39,770		6,511		52,391

Operating Leases - Lease Cost (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Leases [Abstract]
Operating lease expense	$ 37,553	$ 34,475	$ 74,472	$ 68,015
Variable lease expense	5,007	4,561	10,028	9,033
Total operating lease expense	$ 42,560	$ 39,036	$ 84,500	$ 77,048

Leased Merchandise, Net - (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Leased Merchandise, Allowance for Credit loss Roll Forward [Roll Forward]
Balance at beginning of period	$ 95,127	$ 93,149	$ 95,127	$ 79,189
Provision for lease losses	47,653	52,873	90,663	101,938
Charge-offs	(41,666)	(36,723)	(86,679)	(73,501)
Recoveries	1,664	1,673	3,667	3,346
Balance at end of period	$ 102,778	$ 110,972	$ 102,778	$ 110,972

Long-Term Debt

6 Months Ended

Jun. 30, 2024

Debt Disclosure [Abstract]

Long-term Debt

Long-Term Debt

The following table details the Company’s long-term debt at the respective principal amounts, net of unamortized debt issuance costs on the senior unsecured notes (in thousands):


	As of June 30,				As of December 31,
	2024		2023		2023
Revolving unsecured credit facilities:
Revolving unsecured credit facility, maturing 2027 (1)	$	150,000	$	376,000	$	568,000
Revolving unsecured uncommitted credit facility, maturing 2027 (1)	—		—		—
Total revolving unsecured credit facilities	150,000		376,000		568,000

Senior unsecured notes:
4.625% senior unsecured notes due 2028 (2)	495,031		493,981		494,499
5.625% senior unsecured notes due 2030 (3)	543,632		542,679		543,148
6.875% senior unsecured notes due 2032 (4)	491,207		—		—
Total senior unsecured notes	1,529,870		1,036,660		1,037,647

Total long-term debt	$	1,679,870	$	1,412,660	$	1,605,647

(1)Debt issuance costs related to the Company’s revolving unsecured credit facilities are included in other assets in the accompanying consolidated balance sheets.

Revolving Unsecured Credit Facility

As of June 30, 2024, the Company maintained an unsecured line of credit with a group of U.S.-based commercial lenders (the “Credit Facility”) in the amount of $640.0 million. The Credit Facility matures on August 30, 2027. As of June 30, 2024, the Company had $150.0 million in outstanding borrowings and $2.8 million in outstanding letters of credit under the Credit Facility, leaving $487.2 million available for future borrowings, subject to certain financial covenants. The Credit Facility bears interest at the Company’s option of either (i) the prevailing SOFR (with interest periods of 1, 3 or 6 months at the Company’s option) plus a fixed spread of 2.5% and a fixed SOFR adjustment of 0.1% or (ii) the prevailing prime or base rate plus a fixed spread of 1.5%. The agreement has an interest rate floor of 0%. Additionally, the Company is required to pay an annual commitment fee of 0.325% on the average daily unused portion of the Credit Facility commitment. The weighted-average interest rate on amounts outstanding under the Credit Facility at June 30, 2024 was 7.94% based on 1-month SOFR. Under the terms of the Credit Facility, the Company is required to maintain certain financial ratios and comply with certain financial covenants. The Credit Facility also contains customary restrictions on the Company’s ability to incur additional debt, grant liens, make investments, consummate acquisitions and similar negative covenants with customary carve-outs and baskets. The Company was in compliance with the covenants of the Credit Facility as of June 30, 2024. During the six months ended June 30, 2024, the Company made net payments of $418.0 million pursuant to the Credit Facility.

Revolving Unsecured Uncommitted Credit Facility

As of June 30, 2024, the Company’s primary subsidiary in Mexico, First Cash S.A. de C.V., maintained an unsecured and uncommitted line of credit guaranteed by FirstCash, Inc. with a bank in Mexico (the “Mexico Credit Facility”) in the amount of $600.0 million Mexican pesos. The Mexico Credit Facility bears interest at TIIE plus a fixed spread of 2.25% and matures on August 24, 2027. Under the terms of the Mexico Credit Facility, the Company is required to maintain certain financial ratios and comply with certain financial covenants. The Company was in compliance with the covenants of the Mexico Credit Facility as of June 30, 2024. At June 30, 2024, the Company had no amount outstanding under the Mexico Credit Facility and $32.6 million ($600.0 million pesos) available for future borrowings.

Senior Unsecured Notes Due 2028

On August 26, 2020, the Company issued $500.0 million of 4.625% senior unsecured notes due on September 1, 2028 (the “2028 Notes”), all of which are currently outstanding. Interest on the 2028 Notes is payable semi-annually in arrears on March 1 and September 1. The 2028 Notes are fully and unconditionally guaranteed on a senior unsecured basis jointly and severally by all of the Company's existing and future domestic subsidiaries that guarantee its Credit Facility. The 2028 Notes will permit the Company to make restricted payments, such as purchasing shares of its stock and paying cash dividends, in an unlimited amount if, after giving pro forma effect to the incurrence of any indebtedness to make such payment, the Company's consolidated total debt ratio is less than 2.75 to 1. The consolidated total debt ratio is defined generally in the indenture governing the 2028 Notes as the ratio of (1) the total consolidated debt of the Company minus cash and cash equivalents of the Company to (2) the Company’s consolidated trailing twelve months EBITDA, as adjusted to exclude certain non-recurring expenses and giving pro forma effect to operations acquired during the measurement period. As of June 30, 2024, the Company’s consolidated total debt ratio was 2.7 to 1. While the 2028 Notes generally limit the Company’s ability to make restricted payments if the consolidated total debt ratio is greater than 2.75 to 1, restricted payments are allowable within certain permitted baskets, which currently provide the Company with continued flexibility to make restricted payments when the Company’s consolidated total debt ratio is greater than 2.75 to 1.

Senior Unsecured Notes Due 2030

On December 13, 2021, the Company issued $550.0 million of 5.625% senior unsecured notes due on January 1, 2030 (the “2030 Notes”), all of which are currently outstanding. Interest on the 2030 Notes is payable semi-annually in arrears on January 1 and July 1. The 2030 Notes are fully and unconditionally guaranteed on a senior unsecured basis jointly and severally by all of the Company's existing and future domestic subsidiaries that guarantee its Credit Facility. The 2030 Notes will permit the Company to make restricted payments, such as purchasing shares of its stock and paying cash dividends, in an unlimited amount if, after giving pro forma effect to the incurrence of any indebtedness to make such payment, the Company's consolidated total debt ratio is less than 3.0 to 1. The consolidated total debt ratio is defined generally in the indenture governing the 2030 Notes as the ratio of (1) the total consolidated debt of the Company minus cash and cash equivalents of the Company to (2) the Company’s consolidated trailing twelve months EBITDA, as adjusted to exclude certain non-recurring expenses and giving pro forma effect to operations acquired during the measurement period. As of June 30, 2024, the Company’s consolidated total debt ratio was 2.7 to 1. While the 2030 Notes generally limit the Company’s ability to make restricted payments if the consolidated total debt ratio is greater than 3.0 to 1, restricted payments are allowable within certain permitted baskets, which currently provides the Company with continued flexibility to make restricted payments when the Company’s consolidated total debt ratio is greater than 3.0 to 1.

Senior Unsecured Notes Due 2032

On February 21, 2024, the Company issued $500.0 million of 6.875% senior unsecured notes due on March 1, 2032 (the “2032 Notes”), all of which are currently outstanding. Interest on the 2032 Notes is payable semi-annually in arrears on March 1 and September 1, commencing on September 1, 2024. The 2032 Notes were sold in a private placement in reliance on Rule 144A and Regulation S under the Securities Act. The Company used the net proceeds from the offering to repay a portion of the outstanding balance on the Credit Facility, after payment of fees and expenses related to the offering. The Company capitalized $9.1 million in debt issuance costs, which consisted primarily of the initial purchaser’s discount and fees and legal and other professional expenses. The debt issuance costs are being amortized over the life of the 2032 Notes as a component of interest expense and are carried as a direct deduction from the carrying amount of the 2032 Notes in the accompanying consolidated balance sheets.

The 2032 Notes are fully and unconditionally guaranteed on a senior unsecured basis jointly and severally by all of the Company's existing and future domestic subsidiaries that guarantee its Credit Facility. The 2032 Notes will permit the Company to make restricted payments, such as purchasing shares of its stock and paying cash dividends, in an unlimited amount if, after giving pro forma effect to the incurrence of any indebtedness to make such payment, the Company's consolidated total debt ratio is less than 3.0 to 1. The consolidated total debt ratio is defined generally in the indenture governing the 2032 Notes (the “2032 Notes Indenture”) as the ratio of (1) the total consolidated debt of the Company minus cash and cash equivalents of the Company to (2) the Company’s consolidated trailing twelve months EBITDA, as adjusted to exclude certain non-recurring expenses and giving pro forma effect to operations acquired during the measurement period. As of June 30, 2024, the Company’s consolidated total debt ratio was 2.7 to 1. While the 2032 Notes generally limit the Company’s ability to make restricted payments if the consolidated total debt ratio is greater than 3.0 to 1, restricted payments are allowable within certain permitted baskets, which currently provides the Company with continued flexibility to make restricted payments when the Company’s consolidated total debt ratio is greater than 3.0 to 1.

The Company may redeem some or all of the 2032 Notes at any time on or after March 1, 2027, at the redemption prices set forth in the 2032 Notes Indenture, plus accrued and unpaid interest, if any. In addition, prior to March 1, 2027, the Company may redeem some or all of the 2032 Notes at a price equal to 100% of the principal amount thereof, plus accrued and unpaid interest, if any, plus a “make-whole” premium set forth in the 2032 Notes Indenture. The Company may redeem up to 40% of the 2032 Notes on or prior to March 1, 2027 with the proceeds of certain equity offerings at the redemption prices set forth in the 2032 Notes Indenture. If the Company or any of its restricted subsidiaries sells certain assets or if the Company consummates certain change in control transactions, the Company will be required to make an offer to repurchase the 2032 Notes.

Earnings Per Share (Tables)

6 Months Ended

Jun. 30, 2024

Earnings Per Share [Abstract]

Schedule of Earnings per Share

The following table sets forth the computation of basic and diluted earnings per share (in thousands, except per share amounts):


	Three Months Ended				Six Months Ended
	June 30,				June 30,
	2024		2023		2024		2023
Numerator:
Net income	$	49,073	$	45,180	$	110,441	$	92,568



Denominator:
Weighted-average common shares for calculating basic earnings per share	45,122		45,455		45,183		45,799
Effect of dilutive securities:
Restricted stock unit awards	167		223		155		194
Weighted-average common shares for calculating diluted earnings per share	45,289		45,678		45,338		45,993

Earnings per share:
Basic	$	1.09	$	0.99	$	2.44	$	2.02
Diluted	$	1.08	$	0.99	$	2.44	$	2.01

Acquisitions - Schedule of Preliminary Purchase Price Allocation (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023	Jun. 30, 2023
Business Acquisition [Line Items]
Goodwill	$ 1,794,957	$ 1,727,652	$ 1,600,068
Series of Individually Immaterial Business Acquisitions
Business Acquisition [Line Items]
Pawn loans	11,179
Pawn loan fees and service charges receivable	796
Inventories	8,465
Property and equipment	551
Goodwill	79,596
Intangible assets	1,270
Current liabilities	(2,629)
Aggregate purchase price	$ 99,228

Long-Term Debt - Summary (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Feb. 21, 2024	Dec. 31, 2023	Jun. 30, 2023	Dec. 13, 2021	Aug. 26, 2020
Debt Instrument [Line Items]
Total long-term debt	$ 1,679,870		$ 1,605,647	$ 1,412,660
Line of Credit
Debt Instrument [Line Items]
Total long-term debt	150,000		568,000	376,000
Senior Notes
Debt Instrument [Line Items]
Total long-term debt	1,529,870		1,037,647	1,036,660
Revolving Unsecured Credit Facility due 2027 \| Line of Credit
Debt Instrument [Line Items]
Total long-term debt	150,000		568,000	376,000
Revolving Unsecured Uncommitted Credit Facility due 2027 \| Line of Credit
Debt Instrument [Line Items]
Total long-term debt	$ 0		0	0
4.625% senior unsecured notes due 2028 \| Senior Notes
Debt Instrument [Line Items]
Stated interest rate (as a percent)	4.625%					4.625%
Total long-term debt	$ 495,031		494,499	493,981
Deferred finance costs, net	$ 5,000		5,500	6,000
5.625% Senior Unsecured Notes due 2030 \| Senior Notes
Debt Instrument [Line Items]
Stated interest rate (as a percent)	5.625%				5.625%
Total long-term debt	$ 543,632		543,148	542,679
Deferred finance costs, net	$ 6,400		6,900	7,300
6.875% Senior Unsecured Notes due 2032 \| Senior Notes
Debt Instrument [Line Items]
Stated interest rate (as a percent)	6.875%	6.875%
Total long-term debt	$ 491,207		$ 0	$ 0
Deferred finance costs, net	$ 8,800	$ 9,100

Earnings Per Share (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended				6 Months Ended
	Jun. 30, 2024	Mar. 31, 2024	Jun. 30, 2023	Mar. 31, 2023	Jun. 30, 2024	Jun. 30, 2023
Numerator:
Net income	$ 49,073	$ 61,368	$ 45,180	$ 47,388	$ 110,441	$ 92,568
Denominator:
Weighted-average common shares for calculating basic earnings per share (shares)	45,122		45,455		45,183	45,799
Stock options and nonvested stock awards (shares)	167		223		155	194
Weighted-average common shares for calculating diluted earnings per share (shares)	45,289		45,678		45,338	45,993
Earnings per share:
Basic (USD per share)	$ 1.09		$ 0.99		$ 2.44	$ 2.02
Diluted (USD per share)	$ 1.08		$ 0.99		$ 2.44	$ 2.01

- Definition

The amount of net income (loss) for the period per each share of common stock or unit outstanding during the reporting period.

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- Definition

The amount of net income (loss) for the period available to each share of common stock or common unit outstanding during the reporting period and to each share or unit that would have been outstanding assuming the issuance of common shares or units for all dilutive potential common shares or units outstanding during the reporting period.

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+ Details

- Definition

The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.

+ References

+ Details

General	6 Months Ended
General	Jun. 30, 2024
Accounting Policies [Abstract]
General	General Basis of Presentation The accompanying consolidated balance sheet as of December 31, 2023, which is derived from audited consolidated financial statements, and the unaudited consolidated financial statements, including the notes thereto, includes the accounts of FirstCash Holdings, Inc. and its wholly-owned subsidiaries (together, the “Company”). The Company regularly makes acquisitions, and the results of operations for the acquisitions have been consolidated since the acquisition dates. All significant intercompany accounts and transactions have been eliminated. These unaudited consolidated financial statements have been prepared in accordance with U.S. generally accepted accounting principles (“GAAP”) for interim financial information and with the rules and regulations for reporting on Form 10-Q. Accordingly, they do not include certain information and disclosures required for comprehensive financial statements. These interim period financial statements should be read in conjunction with the Company’s audited consolidated financial statements, which are included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2023, filed with the SEC on February 5, 2024. The consolidated financial statements as of June 30, 2024 and 2023, and for the three month and six month periods ended June 30, 2024 and 2023, are unaudited, but in management’s opinion include all adjustments (consisting of only normal recurring adjustments) considered necessary to present fairly the financial position, results of operations and cash flow for such interim periods. Operating results for the periods ended June 30, 2024 are not necessarily indicative of the results that may be expected for the full year. The Company has pawn operations in Latin America, where in Mexico, Guatemala and Colombia, the functional currency is the Mexican peso, Guatemalan quetzal and Colombian peso. Accordingly, the assets and liabilities of these subsidiaries are translated into U.S. dollars at the exchange rate in effect at each balance sheet date, and the resulting adjustments are accumulated in other comprehensive income (loss) as a separate component of stockholders’ equity. Revenues and expenses are translated at the average exchange rates occurring during the respective period. The Company also has pawn operations in El Salvador, where the reporting and functional currency is the U.S. dollar. Use of Estimates The preparation of interim financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities, and related revenue and expenses, and the disclosure of gain and loss contingencies at the date of the financial statements. Such estimates and assumptions are subject to a number of risks and uncertainties, which may cause actual results to differ materially from the Company’s estimates. Recent Accounting Pronouncements In October 2023, the FASB issued ASU No 2023-06, “Disclosure Agreements – Codification Amendments in Response to the SEC’s Disclosure Update and Simplification Initiative” (“ASU 2023-06”). ASU 2023-06 will align the disclosure and presentation requirements in the FASB Accounting Standards Codification with the SEC’s regulations. The amendments in ASU 2023-06 will be applied prospectively and are effective when the SEC removes the related requirements from Regulations S-X or S-K. Any amendments the SEC does not remove by June 30, 2027 will not be effective. As the Company is currently subject to these SEC requirements, ASU 2023-06 is not expected to have a material effect on the Company’s current financial position, results of operations or financial statement disclosures. In November 2023, the FASB issued ASU No 2023-07, “Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures” (“ASU 2023-07”). ASU 2023-07 expands disclosures about a public entity’s reportable segments and requires more enhanced information about a reportable segment’s expenses, interim segment profit or loss, and how a public entity’s chief operating decision maker uses reported segment profit or loss information in assessing segment performance and allocating resources. ASU 2023-07 is effective for fiscal years beginning after December 15, 2023 and interim periods within fiscal years beginning after December 15, 2024. Early adoption is permitted. ASU 2023-07 should be applied retrospectively to all prior periods presented in the financial statements. The Company does not expect ASU 2023-07 to have a material effect on the Company’s current financial position, results of operations or financial statement disclosures. In December 2023, the FASB issued ASU No 2023-09, “Income Taxes (Topic 740): Improvements to Income Tax Disclosures” (“ASU 2023-09”). ASU 2023-09 expands disclosures in the rate reconciliation and requires disclosure of income taxes paid by jurisdiction. ASU 2023-09 is effective for fiscal years beginning after December 15, 2024. Early adoption is permitted. ASU 2023-09 should be applied prospectively; however, retrospective application is permitted. The Company does not expect ASU 2023-09 to have a material effect on the Company’s current financial position, results of operations or financial statement disclosures. In March 2024, the FASB issued ASU No 2024-02, “Codification Improvements - Amendments to Remove References to the Concepts Statements” (“ASU 2024-02”). ASU 2024-02 removes references to various Concepts Statements. In most instances, the references are extraneous and not required to understand or apply the guidance. ASU 2024-02 is effective for fiscal years beginning after December 15, 2024. Early adoption is permitted. ASU 2024-02 can be applied prospectively or retrospectively. The Company adopted ASU 2024-02 effective January 1, 2024 on a prospective basis. The adoption of ASU 2024-02 did not have a material effect on the Company’s current financial position, results of operations or financial statement disclosures.

Operating Leases - Lease Maturities (Details) $ in Thousands	Jun. 30, 2024 USD ($)
Leases [Abstract]
Six months ending December 31, 2024	$ 62,949
46022	106,485
46387	82,524
46752	55,114
47117	33,182
Thereafter	33,098
Total	373,352
Less amount of lease payments representing interest	(56,089)
Total present value of lease payments	$ 317,263

Segment Information

6 Months Ended

Jun. 30, 2024

Segment Reporting [Abstract]

Segment Information

The Company organizes its operations into three reportable segments as follows:

•U.S. pawn

•Latin America pawn

•Retail POS payment solutions (AFF)

Corporate expenses and income, which include administrative expenses, corporate depreciation and amortization, interest expense, interest income, loss (gain) on foreign exchange, merger and acquisition expenses, and other expenses (income), net, are presented on a consolidated basis and are not allocated between the U.S. pawn segment, Latin America pawn segment or retail POS payment solutions segment. Intersegment transactions relate to the Company offering AFF’s LTO payment solution in its U.S. pawn stores and are eliminated to arrive at consolidated totals.

The following tables present reportable segment information for the three and six month periods ended June 30, 2024 and 2023 as well as segment earning assets (in thousands):


	Three Months Ended June 30, 2024
	U.S. Pawn		Latin America Pawn		Retail POS Payment Solutions		Corporate/ Eliminations			Consolidated
Revenue:
Retail merchandise sales	$	230,093	$	134,445	$	—	$	(1,075)	(1)	$	363,463
Pawn loan fees	120,332		60,714		—		—			181,046
Leased merchandise income	—		—		194,570		—			194,570
Interest and fees on finance receivables	—		—		56,799		—			56,799
Wholesale scrap jewelry sales	26,311		8,823		—		—			35,134
Total revenue	376,736		203,982		251,369		(1,075)			831,012

Cost of revenue:
Cost of retail merchandise sold	132,449		86,276		—		(578)		(1)	218,147
Depreciation of leased merchandise	—		—		110,567		(410)		(1)	110,157
Provision for lease losses	—		—		47,824		(171)		(1)	47,653
Provision for loan losses	—		—		31,116		—			31,116
Cost of wholesale scrap jewelry sold	21,269		7,273		—		—			28,542
Total cost of revenue	153,718		93,549		189,507		(1,159)			435,615

Net revenue	223,018		110,433		61,862		84			395,397

Expenses and other income:
Operating expenses	125,192		67,902		35,275		—			228,369
Administrative expenses	—		—		—		45,576			45,576
Depreciation and amortization	7,231		5,418		678		13,220			26,547
Interest expense	—		—		—		25,187			25,187
Interest income	—		—		—		(261)			(261)
Loss on foreign exchange	—		—		—		1,437			1,437
Merger and acquisition expenses	—		—		—		1,364			1,364
Other expenses (income), net	—		—		—		1,000			1,000

Total expenses and other income	132,423		73,320		35,953		87,523			329,219

Income (loss) before income taxes	$	90,595	$	37,113	$	25,909	$	(87,439)		$	66,178

(1)Represents the elimination of intersegment transactions related to the Company offering AFF’s LTO payment solution in its U.S. pawn stores.


	Six Months Ended June 30, 2024
	U.S. Pawn		Latin America Pawn		Retail POS Payment Solutions		Corporate/ Eliminations			Consolidated
Revenue:
Retail merchandise sales	$	467,083	$	265,294	$	—	$	(2,093)	(1)	$	730,284
Pawn loan fees	243,306		117,275		—		—			360,581
Leased merchandise income	—		—		400,241		—			400,241
Interest and fees on finance receivables	—		—		114,186		—			114,186
Wholesale scrap jewelry sales	44,037		18,053		—		—			62,090
Total revenue	754,426		400,622		514,427		(2,093)			1,667,382

Cost of revenue:
Cost of retail merchandise sold	272,363		170,459		—		(1,146)		(1)	441,676
Depreciation of leased merchandise	—		—		231,341		(900)		(1)	230,441
Provision for lease losses	—		—		91,004		(341)		(1)	90,663
Provision for loan losses	—		—		61,534		—			61,534
Cost of wholesale scrap jewelry sold	36,535		15,296		—		—			51,831
Total cost of revenue	308,898		185,755		383,879		(2,387)			876,145

Net revenue	445,528		214,867		130,548		294			791,237

Expenses and other income:
Operating expenses	244,087		135,327		70,091		—			449,505
Administrative expenses	—		—		—		88,633			88,633
Depreciation and amortization	14,244		10,523		1,399		26,408			52,574
Interest expense	—		—		—		50,605			50,605
Interest income	—		—		—		(1,004)			(1,004)
Loss on foreign exchange	—		—		—		1,251			1,251
Merger and acquisition expenses	—		—		—		1,961			1,961
Other expenses (income), net	—		—		—		(351)			(351)

Total expenses and other income	258,331		145,850		71,490		167,503			643,174

Income (loss) before income taxes	$	187,197	$	69,017	$	59,058	$	(167,209)		$	148,063

(1)Represents the elimination of intersegment transactions related to the Company offering AFF’s LTO payment solution in its U.S. pawn stores.


	As of June 30, 2024
	U.S. Pawn		Latin America Pawn		Retail POS Payment Solutions		Corporate/ Eliminations			Consolidated
Earning assets:
Pawn loans	$	356,342	$	135,389	$	—	$	—		$	491,731
Finance receivables, net	—		—		105,401		—			105,401
Inventories	223,428		91,996		—		—			315,424
Leased merchandise, net	—		—		143,156		(221)		(1)	142,935

(1)Represents the elimination of intersegment transactions related to the Company offering AFF’s LTO payment solution in its U.S. pawn stores.


	Three Months Ended June 30, 2023
	U.S. Pawn		Latin America Pawn		Retail POS Payment Solutions		Corporate/ Eliminations			Consolidated
Revenue:
Retail merchandise sales	$	196,043	$	126,581	$	—	$	(1,760)	(1)	$	320,864
Pawn loan fees	98,973		55,205		—		—			154,178
Leased merchandise income	—		—		189,805		—			189,805
Interest and fees on finance receivables	—		—		58,192		—			58,192
Wholesale scrap jewelry sales	17,652		9,931		—		—			27,583
Total revenue	312,668		191,717		247,997		(1,760)			750,622

Cost of revenue:
Cost of retail merchandise sold	111,539		81,660		—		(928)		(1)	192,271
Depreciation of leased merchandise	—		—		103,062		(541)		(1)	102,521
Provision for lease losses	—		—		53,048		(175)		(1)	52,873
Provision for loan losses	—		—		28,190		—			28,190
Cost of wholesale scrap jewelry sold	14,225		7,655		—		—			21,880
Total cost of revenue	125,764		89,315		184,300		(1,644)			397,735

Net revenue (loss)	186,904		102,402		63,697		(116)			352,887

Expenses and other income:
Operating expenses	108,159		59,507		37,115		—			204,781
Administrative expenses	—		—		—		40,355			40,355
Depreciation and amortization	6,330		5,203		751		14,766			27,050
Interest expense	—		—		—		21,071			21,071
Interest income	—		—		—		(408)			(408)
Gain on foreign exchange	—		—		—		(817)			(817)
Merger and acquisition expenses	—		—		—		252			252
Other expenses (income), net	—		—		—		79			79

Total expenses and other income	114,489		64,710		37,866		75,298			292,363

Income (loss) before income taxes	$	72,415	$	37,692	$	25,831	$	(75,414)		$	60,524

(1)Represents the elimination of intersegment transactions related to the Company offering AFF’s LTO payment solution in its U.S. pawn stores.


	Six Months Ended June 30, 2023
	U.S. Pawn		Latin America Pawn		Retail POS Payment Solutions		Corporate/ Eliminations			Consolidated
Revenue:
Retail merchandise sales	$	406,724	$	245,518	$	—	$	(3,463)	(1)	$	648,779
Pawn loan fees	201,657		104,081		—		—			305,738
Leased merchandise income	—		—		373,243		—			373,243
Interest and fees on finance receivables	—		—		112,834		—			112,834
Wholesale scrap jewelry sales	43,968		28,799		—		—			72,767
Total revenue	652,349		378,398		486,077		(3,463)			1,513,361

Cost of revenue:
Cost of retail merchandise sold	233,468		159,623		—		(1,819)		(1)	391,272
Depreciation of leased merchandise	—		—		205,234		(1,108)		(1)	204,126
Provision for lease losses	—		—		102,214		(276)		(1)	101,938
Provision for loan losses	—		—		57,475		—			57,475
Cost of wholesale scrap jewelry sold	35,307		22,300		—		—			57,607
Total cost of revenue	268,775		181,923		364,923		(3,203)			812,418

Net revenue (loss)	383,574		196,475		121,154		(260)			700,943

Expenses and other income:
Operating expenses	217,940		115,263		70,639		—			403,842
Administrative expenses	—		—		—		79,372			79,372
Depreciation and amortization	12,200		10,648		1,487		29,826			54,161
Interest expense	—		—		—		41,968			41,968
Interest income	—		—		—		(925)			(925)
Gain on foreign exchange	—		—		—		(1,619)			(1,619)
Merger and acquisition expenses	—		—		—		283			283
Other expenses (income), net	—		—		—		124			124

Total expenses and other income	230,140		125,911		72,126		149,029			577,206

Income (loss) before income taxes	$	153,434	$	70,564	$	49,028	$	(149,289)		$	123,737

(1)Represents the elimination of intersegment transactions related to the Company offering AFF’s LTO payment solution in its U.S. pawn stores.


	As of June 30, 2023
	U.S. Pawn		Latin America Pawn		Retail POS Payment Solutions		Corporate/ Eliminations			Consolidated
Earning assets:
Pawn loans	$	291,447	$	134,718	$	—	$	—		$	426,165
Finance receivables, net	—		—		110,555		—			110,555
Inventories	180,410		86,732		—		—			267,142
Leased merchandise, net	—		—		144,501		(1,356)		(1)	143,145

(1)Represents the elimination of intersegment transactions related to the Company offering AFF’s LTO payment solution in its U.S. pawn stores.

- Definition

The entire disclosure for reporting segments including data and tables. Reportable segments include those that meet any of the following quantitative thresholds a) it's reported revenue, including sales to external customers and intersegment sales or transfers is 10 percent or more of the combined revenue, internal and external, of all operating segments b) the absolute amount of its reported profit or loss is 10 percent or more of the greater, in absolute amount of 1) the combined reported profit of all operating segments that did not report a loss or 2) the combined reported loss of all operating segments that did report a loss c) its assets are 10 percent or more of the combined assets of all operating segments.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 22
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482810/280-10-50-22

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 15
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482810/280-10-50-15

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 31
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482810/280-10-50-31

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 32
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482810/280-10-50-32

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 42
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482810/280-10-50-42

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 32
-Subparagraph (f)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482810/280-10-50-32

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 40
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482810/280-10-50-40

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-Name Accounting Standards Codification
-Publisher FASB
-URI https://asc.fasb.org//280/tableOfContent

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 26
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482810/280-10-50-26

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 34
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482810/280-10-50-34

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 41
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482810/280-10-50-41

Reference 12: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 21
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482810/280-10-50-21

Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 21
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482810/280-10-50-21

Reference 14: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 32
-Subparagraph (e)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482810/280-10-50-32

+ Details

Finance Receivables, Charge - offs (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Schedule of Finance Receivable Charge-offs to Allowance for credit losses [Line Items]
Financing receivable, allowance for credit loss, writeoff	$ 28,813	$ 25,274	$ 62,092	$ 52,391
Year 2024
Schedule of Finance Receivable Charge-offs to Allowance for credit losses [Line Items]
Financing receivable, allowance for credit loss, writeoff			6,589	0
Year 2023
Schedule of Finance Receivable Charge-offs to Allowance for credit losses [Line Items]
Financing receivable, allowance for credit loss, writeoff			50,049	6,110
Year 2022
Schedule of Finance Receivable Charge-offs to Allowance for credit losses [Line Items]
Financing receivable, allowance for credit loss, writeoff			5,454	39,770
Year 2021
Schedule of Finance Receivable Charge-offs to Allowance for credit losses [Line Items]
Financing receivable, allowance for credit loss, writeoff			$ 0	$ 6,511

Segment Information (Tables)

6 Months Ended

Jun. 30, 2024

Segment Reporting [Abstract]

Schedule of Reconciliation of Operating Profit (Loss) from Segments to Consolidated

The following tables present reportable segment information for the three and six month periods ended June 30, 2024 and 2023 as well as segment earning assets (in thousands):


	Three Months Ended June 30, 2024
	U.S. Pawn		Latin America Pawn		Retail POS Payment Solutions		Corporate/ Eliminations			Consolidated
Revenue:
Retail merchandise sales	$	230,093	$	134,445	$	—	$	(1,075)	(1)	$	363,463
Pawn loan fees	120,332		60,714		—		—			181,046
Leased merchandise income	—		—		194,570		—			194,570
Interest and fees on finance receivables	—		—		56,799		—			56,799
Wholesale scrap jewelry sales	26,311		8,823		—		—			35,134
Total revenue	376,736		203,982		251,369		(1,075)			831,012

Cost of revenue:
Cost of retail merchandise sold	132,449		86,276		—		(578)		(1)	218,147
Depreciation of leased merchandise	—		—		110,567		(410)		(1)	110,157
Provision for lease losses	—		—		47,824		(171)		(1)	47,653
Provision for loan losses	—		—		31,116		—			31,116
Cost of wholesale scrap jewelry sold	21,269		7,273		—		—			28,542
Total cost of revenue	153,718		93,549		189,507		(1,159)			435,615

Net revenue	223,018		110,433		61,862		84			395,397

Expenses and other income:
Operating expenses	125,192		67,902		35,275		—			228,369
Administrative expenses	—		—		—		45,576			45,576
Depreciation and amortization	7,231		5,418		678		13,220			26,547
Interest expense	—		—		—		25,187			25,187
Interest income	—		—		—		(261)			(261)
Loss on foreign exchange	—		—		—		1,437			1,437
Merger and acquisition expenses	—		—		—		1,364			1,364
Other expenses (income), net	—		—		—		1,000			1,000

Total expenses and other income	132,423		73,320		35,953		87,523			329,219

Income (loss) before income taxes	$	90,595	$	37,113	$	25,909	$	(87,439)		$	66,178

(1)Represents the elimination of intersegment transactions related to the Company offering AFF’s LTO payment solution in its U.S. pawn stores.


	Six Months Ended June 30, 2024
	U.S. Pawn		Latin America Pawn		Retail POS Payment Solutions		Corporate/ Eliminations			Consolidated
Revenue:
Retail merchandise sales	$	467,083	$	265,294	$	—	$	(2,093)	(1)	$	730,284
Pawn loan fees	243,306		117,275		—		—			360,581
Leased merchandise income	—		—		400,241		—			400,241
Interest and fees on finance receivables	—		—		114,186		—			114,186
Wholesale scrap jewelry sales	44,037		18,053		—		—			62,090
Total revenue	754,426		400,622		514,427		(2,093)			1,667,382

Cost of revenue:
Cost of retail merchandise sold	272,363		170,459		—		(1,146)		(1)	441,676
Depreciation of leased merchandise	—		—		231,341		(900)		(1)	230,441
Provision for lease losses	—		—		91,004		(341)		(1)	90,663
Provision for loan losses	—		—		61,534		—			61,534
Cost of wholesale scrap jewelry sold	36,535		15,296		—		—			51,831
Total cost of revenue	308,898		185,755		383,879		(2,387)			876,145

Net revenue	445,528		214,867		130,548		294			791,237

Expenses and other income:
Operating expenses	244,087		135,327		70,091		—			449,505
Administrative expenses	—		—		—		88,633			88,633
Depreciation and amortization	14,244		10,523		1,399		26,408			52,574
Interest expense	—		—		—		50,605			50,605
Interest income	—		—		—		(1,004)			(1,004)
Loss on foreign exchange	—		—		—		1,251			1,251
Merger and acquisition expenses	—		—		—		1,961			1,961
Other expenses (income), net	—		—		—		(351)			(351)

Total expenses and other income	258,331		145,850		71,490		167,503			643,174

Income (loss) before income taxes	$	187,197	$	69,017	$	59,058	$	(167,209)		$	148,063

(1)Represents the elimination of intersegment transactions related to the Company offering AFF’s LTO payment solution in its U.S. pawn stores.


	As of June 30, 2024
	U.S. Pawn		Latin America Pawn		Retail POS Payment Solutions		Corporate/ Eliminations			Consolidated
Earning assets:
Pawn loans	$	356,342	$	135,389	$	—	$	—		$	491,731
Finance receivables, net	—		—		105,401		—			105,401
Inventories	223,428		91,996		—		—			315,424
Leased merchandise, net	—		—		143,156		(221)		(1)	142,935

(1)Represents the elimination of intersegment transactions related to the Company offering AFF’s LTO payment solution in its U.S. pawn stores.


	Three Months Ended June 30, 2023
	U.S. Pawn		Latin America Pawn		Retail POS Payment Solutions		Corporate/ Eliminations			Consolidated
Revenue:
Retail merchandise sales	$	196,043	$	126,581	$	—	$	(1,760)	(1)	$	320,864
Pawn loan fees	98,973		55,205		—		—			154,178
Leased merchandise income	—		—		189,805		—			189,805
Interest and fees on finance receivables	—		—		58,192		—			58,192
Wholesale scrap jewelry sales	17,652		9,931		—		—			27,583
Total revenue	312,668		191,717		247,997		(1,760)			750,622

Cost of revenue:
Cost of retail merchandise sold	111,539		81,660		—		(928)		(1)	192,271
Depreciation of leased merchandise	—		—		103,062		(541)		(1)	102,521
Provision for lease losses	—		—		53,048		(175)		(1)	52,873
Provision for loan losses	—		—		28,190		—			28,190
Cost of wholesale scrap jewelry sold	14,225		7,655		—		—			21,880
Total cost of revenue	125,764		89,315		184,300		(1,644)			397,735

Net revenue (loss)	186,904		102,402		63,697		(116)			352,887

Expenses and other income:
Operating expenses	108,159		59,507		37,115		—			204,781
Administrative expenses	—		—		—		40,355			40,355
Depreciation and amortization	6,330		5,203		751		14,766			27,050
Interest expense	—		—		—		21,071			21,071
Interest income	—		—		—		(408)			(408)
Gain on foreign exchange	—		—		—		(817)			(817)
Merger and acquisition expenses	—		—		—		252			252
Other expenses (income), net	—		—		—		79			79

Total expenses and other income	114,489		64,710		37,866		75,298			292,363

Income (loss) before income taxes	$	72,415	$	37,692	$	25,831	$	(75,414)		$	60,524

(1)Represents the elimination of intersegment transactions related to the Company offering AFF’s LTO payment solution in its U.S. pawn stores.


	Six Months Ended June 30, 2023
	U.S. Pawn		Latin America Pawn		Retail POS Payment Solutions		Corporate/ Eliminations			Consolidated
Revenue:
Retail merchandise sales	$	406,724	$	245,518	$	—	$	(3,463)	(1)	$	648,779
Pawn loan fees	201,657		104,081		—		—			305,738
Leased merchandise income	—		—		373,243		—			373,243
Interest and fees on finance receivables	—		—		112,834		—			112,834
Wholesale scrap jewelry sales	43,968		28,799		—		—			72,767
Total revenue	652,349		378,398		486,077		(3,463)			1,513,361

Cost of revenue:
Cost of retail merchandise sold	233,468		159,623		—		(1,819)		(1)	391,272
Depreciation of leased merchandise	—		—		205,234		(1,108)		(1)	204,126
Provision for lease losses	—		—		102,214		(276)		(1)	101,938
Provision for loan losses	—		—		57,475		—			57,475
Cost of wholesale scrap jewelry sold	35,307		22,300		—		—			57,607
Total cost of revenue	268,775		181,923		364,923		(3,203)			812,418

Net revenue (loss)	383,574		196,475		121,154		(260)			700,943

Expenses and other income:
Operating expenses	217,940		115,263		70,639		—			403,842
Administrative expenses	—		—		—		79,372			79,372
Depreciation and amortization	12,200		10,648		1,487		29,826			54,161
Interest expense	—		—		—		41,968			41,968
Interest income	—		—		—		(925)			(925)
Gain on foreign exchange	—		—		—		(1,619)			(1,619)
Merger and acquisition expenses	—		—		—		283			283
Other expenses (income), net	—		—		—		124			124

Total expenses and other income	230,140		125,911		72,126		149,029			577,206

Income (loss) before income taxes	$	153,434	$	70,564	$	49,028	$	(149,289)		$	123,737

(1)Represents the elimination of intersegment transactions related to the Company offering AFF’s LTO payment solution in its U.S. pawn stores.


	As of June 30, 2023
	U.S. Pawn		Latin America Pawn		Retail POS Payment Solutions		Corporate/ Eliminations			Consolidated
Earning assets:
Pawn loans	$	291,447	$	134,718	$	—	$	—		$	426,165
Finance receivables, net	—		—		110,555		—			110,555
Inventories	180,410		86,732		—		—			267,142
Leased merchandise, net	—		—		144,501		(1,356)		(1)	143,145

(1)Represents the elimination of intersegment transactions related to the Company offering AFF’s LTO payment solution in its U.S. pawn stores.

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Statement of Comprehensive Income [Abstract]
Net income	$ 49,073	$ 45,180	$ 110,441	$ 92,568
Other comprehensive income (loss):
Currency translation adjustment	(47,664)	27,802	(41,329)	57,315
Comprehensive income	$ 1,409	$ 72,982	$ 69,112	$ 149,883

- Definition

The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.

+ References

+ Details

Commitments and Contingencies (Details) - Gold, Ounces - Forward Contracts	Jun. 30, 2024 oz $ / oz
Guarantor Obligations [Line Items]
Investment contract weight \| oz	84,500
Derivative, average forward price \| $ / oz	2,171