Cash America International (NYSE: CSH) reported earnings on July 25. Here are the numbers you need to know.

The 10-second takeaway
 For the quarter ended June 30 (Q2), Cash America International missed estimates on revenues and beat expectations on earnings per share.

Compared to the prior-year quarter, revenue was unchanged. Non-GAAP earnings per share contracted. GAAP earnings per share shrank.

Gross margins grew, operating margins shrank, net margins dropped.

Revenue details
 Cash America International reported revenue of $411.0 million. The nine analysts polled by S&P Capital IQ expected sales of $428.2 million on the same basis. GAAP reported sales were 0.2% lower than the prior-year quarter's $411.6 million.

Source: S&P Capital IQ. Quarterly periods. Dollar amounts in millions. Non-GAAP figures are normalized by S&P Capital IQ and may vary to maintain comparability with normalized estimates.

EPS details
 EPS came in at $0.89. The 11 earnings estimates compiled by S&P Capital IQ predicted $0.84 per share. Non-GAAP EPS of $0.89 for Q2 were 12% lower than the prior-year quarter's $1.01 per share. GAAP EPS of $0.81 for Q2 were 14% lower than the prior-year quarter's $0.94 per share.

Source: S&P Capital IQ. Quarterly periods. Non-GAAP figures are normalized by S&P Capital IQ and may vary to maintain comparability with normalized estimates.

Margin details
 For the quarter, gross margin was 59.6%, 280 basis points better than the prior-year quarter. Operating margin was 12.0%, 120 basis points worse than the prior-year quarter. Net margin was 6.1%, 110 basis points worse than the prior-year quarter. (Margins calculated in GAAP terms.)

Looking ahead
 Next quarter's average estimate for revenue is $446.5 million. On the bottom line, the average EPS estimate is $0.81.

Next year's average estimate for revenue is $1.83 billion. The average EPS estimate is $4.22.

Investor sentiment

Of Wall Street recommendations tracked by S&P Capital IQ, the average opinion on Cash America International is hold, with an average price target of $50.22.

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