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Segment Information
 9 Months Ended
Sep. 30, 2023
Segment Reporting [Abstract]  
Segment Information 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, (gain) loss on foreign exchange, merger and acquisition expenses, gain on revaluation of contingent acquisition consideration, 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 as a payment option 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 nine month periods ended September 30, 2023 and 2022 as well as segment earning assets (in thousands):

Three Months Ended September 30, 2023
 U.S.
Pawn		Latin America
Pawn		Retail POS
Payment
Solutions		Corporate/
Eliminations		Consolidated
Revenue:   
Retail merchandise sales$203,769 $132,784 $— $(1,472)
(1)
$335,081 
Pawn loan fees114,022 60,538 — — 174,560 
Leased merchandise income— — 189,382 — 189,382 
Interest and fees on finance receivables— — 61,413 — 61,413 
Wholesale scrap jewelry sales17,140 8,725 — — 25,865 
Total revenue334,931 202,047 250,795 (1,472)786,301 
Cost of revenue:    
Cost of retail merchandise sold115,670 84,816 — (767)
(1)
199,719 
Depreciation of leased merchandise— — 104,198 (500)
(1)
103,698 
Provision for lease losses— — 39,640 96 
(1)
39,736 
Provision for loan losses— — 33,096 — 33,096 
Cost of wholesale scrap jewelry sold14,297 7,108 — — 21,405 
Total cost of revenue129,967 91,924 176,934 (1,171)397,654 
Net revenue (loss)204,964 110,123 73,861 (301)388,647 
Expenses and other income:    
Operating expenses113,976 63,907 33,641 — 211,524 
Administrative expenses— — — 45,056 45,056 
Depreciation and amortization6,586 5,236 771 14,772 27,365 
Interest expense— — — 24,689 24,689 
Interest income— — — (328)(328)
Gain on foreign exchange
— — — (286)(286)
Merger and acquisition expenses— — — 3,387 3,387 
Other expenses (income), net— — — (384)(384)
Total expenses and other income120,562 69,143 34,412 86,906 311,023 
Income (loss) before income taxes$84,402 $40,980 $39,449 $(87,207)$77,624 

(1)Represents the elimination of intersegment transactions related to the Company offering AFF’s LTO payment solution as a payment option in its U.S. pawn stores.
Nine Months Ended September 30, 2023
U.S.
Pawn		Latin America
Pawn		Retail POS
Payment
Solutions		Corporate/
Eliminations		Consolidated
Revenue:   
Retail merchandise sales$610,493 $378,302 $— $(4,935)
(1)
$983,860 
Pawn loan fees315,679 164,619 — — 480,298 
Leased merchandise income— — 562,625 — 562,625 
Interest and fees on finance receivables— — 174,247 — 174,247 
Wholesale scrap jewelry sales61,108 37,524 — — 98,632 
Total revenue987,280 580,445 736,872 (4,935)2,299,662 
Cost of revenue:    
Cost of retail merchandise sold349,138 244,439 — (2,586)
(1)
590,991 
Depreciation of leased merchandise— — 309,432 (1,608)
(1)
307,824 
Provision for lease losses— — 141,854 (180)
(1)
141,674 
Provision for loan losses— — 90,571 — 90,571 
Cost of wholesale scrap jewelry sold49,604 29,408 — — 79,012 
Total cost of revenue398,742 273,847 541,857 (4,374)1,210,072 
Net revenue (loss)588,538 306,598 195,015 (561)1,089,590 
Expenses and other income:    
Operating expenses331,916 179,170 104,280 — 615,366 
Administrative expenses— — — 124,428 124,428 
Depreciation and amortization18,786 15,884 2,258 44,598 81,526 
Interest expense— — — 66,657 66,657 
Interest income— — — (1,253)(1,253)
Gain on foreign exchange
— — — (1,905)(1,905)
Merger and acquisition expenses— — — 3,670 3,670 
Other expenses (income), net— — — (260)(260)
Total expenses and other income350,702 195,054 106,538 235,935 888,229 
Income (loss) before income taxes$237,836 $111,544 $88,477 $(236,496)$201,361 

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

As of September 30, 2023
U.S.
Pawn		Latin America
Pawn		Retail POS
Payment
Solutions		Corporate/
Eliminations		Consolidated
Earning assets:
Pawn loans$341,123 $142,662 $— $— $483,785 
Finance receivables, net— — 113,307 — 113,307 
Inventories217,406 96,976 — — 314,382 
Leased merchandise, net— — 144,826 (1,657)
(1)
143,169 

(1)Represents the elimination of intersegment transactions related to the Company offering AFF’s LTO payment solution as a payment option in its U.S. pawn stores.
Three Months Ended September 30, 2022
 U.S.
Pawn		Latin America
Pawn		Retail POS
Payment
Solutions		Corporate/
Eliminations		Consolidated
Revenue:   
Retail merchandise sales$195,854 $107,591 $— $(2,546)
(1)
$300,899 
Pawn loan fees96,222 49,505 — — 145,727 
Leased merchandise income— — 158,089 — 158,089 
Interest and fees on finance receivables— — 48,846 — 48,846 
Wholesale scrap jewelry sales12,956 5,626 — — 18,582 
Total revenue305,032 162,722 206,935 (2,546)672,143 
Cost of revenue:    
Cost of retail merchandise sold114,899 68,642 — (1,342)
(1)
182,199 
Depreciation of leased merchandise— — 86,703 (184)
(1)
86,519 
Provision for lease losses— — 32,350 (434)
(1)
31,916 
Provision for loan losses— — 31,956 — 31,956 
Cost of wholesale scrap jewelry sold11,338 4,923 — — 16,261 
Total cost of revenue126,237 73,565 151,009 (1,960)348,851 
Net revenue (loss)
178,795 89,157 55,926 (586)323,292 
Expenses and other income:    
Operating expenses102,508 47,979 35,060 — 185,547 
Administrative expenses— — — 36,951 36,951 
Depreciation and amortization5,806 4,566 775 14,824 25,971 
Interest expense— — — 18,282 18,282 
Interest income— — — (206)(206)
Loss on foreign exchange
— — — 255 255 
Merger and acquisition expenses— — — 733 733 
Gain on revaluation of contingent acquisition consideration
— — — (19,800)(19,800)
Other expenses (income), net— — — 164 164 
Total expenses and other income108,314 52,545 35,835 51,203 247,897 
Income (loss) before income taxes
$70,481 $36,612 $20,091 $(51,789)$75,395 

(1)Represents the elimination of intersegment transactions related to the Company offering AFF’s LTO payment solution as a payment option in its U.S. pawn stores.
Nine Months Ended September 30, 2022
U.S.
Pawn		Latin America
Pawn		Retail POS
Payment
Solutions		Corporate/
Eliminations		Consolidated
Revenue:   
Retail merchandise sales$596,165 $308,356 $— $(2,546)
(1)
$901,975 
Pawn loan fees274,304 137,309 — — 411,613 
Leased merchandise income— — 455,736 — 455,736 
Interest and fees on finance receivables— — 135,039 — 135,039 
Wholesale scrap jewelry sales45,153 30,082 — — 75,235 
Total revenue915,622 475,747 590,775 (2,546)1,979,598 
Cost of revenue:    
Cost of retail merchandise sold349,007 196,057 — (1,342)
(1)
543,722 
Depreciation of leased merchandise— — 263,014 (184)
(1)
262,830 
Provision for lease losses— — 110,205 (434)
(1)
109,771 
Provision for loan losses— — 83,453 — 83,453 
Cost of wholesale scrap jewelry sold39,150 25,221 — — 64,371 
Total cost of revenue388,157 221,278 456,672 (1,960)1,064,147 
Net revenue (loss)
527,465 254,469 134,103 (586)915,451 
Expenses and other income:    
Operating expenses302,572 141,574 95,252 — 539,398 
Administrative expenses— — — 110,882 110,882 
Depreciation and amortization17,261 13,520 2,156 44,558 77,495 
Interest expense— — — 50,749 50,749 
Interest income— — — (1,104)(1,104)
Gain on foreign exchange
— — — (198)(198)
Merger and acquisition expenses— — — 1,712 1,712 
Gain on revaluation of contingent acquisition consideration
— — — (82,789)(82,789)
Other expenses (income), net— — — (2,721)(2,721)
Total expenses and other income319,833 155,094 97,408 121,089 693,424 
Income (loss) before income taxes$207,632 $99,375 $36,695 $(121,675)$222,027 

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

As of September 30, 2022
U.S.
Pawn		Latin America
Pawn		Retail POS
Payment
Solutions		Corporate/
Eliminations		Consolidated
Earning assets:
Pawn loans$279,645$124,582$—$—$404,227
Finance receivables, net——111,945—111,945
Inventories204,35991,069——295,428
Leased merchandise, net——132,683(586)
(1)
132,097

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