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Segment Information
 3 Months Ended
Mar. 31, 2024
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 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 month period ended March 31, 2024 and 2023 as well as segment earning assets (in thousands):

Three Months Ended March 31, 2024
 U.S.
Pawn		Latin America
Pawn		Retail POS
Payment
Solutions		Corporate/
Eliminations		Consolidated
Revenue:   
Retail merchandise sales$236,990 $130,849 $— $(1,018)
(1)
$366,821 
Pawn loan fees122,974 56,561 — — 179,535 
Leased merchandise income— — 205,671 — 205,671 
Interest and fees on finance receivables— — 57,387 — 57,387 
Wholesale scrap jewelry sales17,726 9,230 — — 26,956 
Total revenue377,690 196,640 263,058 (1,018)836,370 
Cost of revenue:    
Cost of retail merchandise sold139,914 84,183 — (568)
(1)
223,529 
Depreciation of leased merchandise— — 120,774 (490)
(1)
120,284 
Provision for lease losses— — 43,180 (170)
(1)
43,010 
Provision for loan losses— — 30,418 — 30,418 
Cost of wholesale scrap jewelry sold15,266 8,023 — — 23,289 
Total cost of revenue155,180 92,206 194,372 (1,228)440,530 
Net revenue
222,510 104,434 68,686 210 395,840 
Expenses and other income:    
Operating expenses118,895 67,425 34,816 — 221,136 
Administrative expenses— — — 43,057 43,057 
Depreciation and amortization7,013 5,105 721 13,188 26,027 
Interest expense— — — 25,418 25,418 
Interest income— — — (743)(743)
Gain on foreign exchange
— — — (186)(186)
Merger and acquisition expenses— — — 597 597 
Other expenses (income), net— — — (1,351)(1,351)
Total expenses and other income125,908 72,530 35,537 79,980 313,955 
Income (loss) before income taxes$96,602 $31,904 $33,149 $(79,770)$81,885 

(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 March 31, 2024
U.S.
Pawn		Latin America
Pawn		Retail POS
Payment
Solutions		Corporate/
Eliminations		Consolidated
Earning assets:
Pawn loans$315,792 $140,287 $— $— $456,079 
Finance receivables, net— — 105,653 — 105,653 
Inventories216,762 85,623 — — 302,385 
Leased merchandise, net— — 158,090 (305)
(1)
157,785 

(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 March 31, 2023
 U.S.
Pawn		Latin America
Pawn		Retail POS
Payment
Solutions		Corporate/
Eliminations		Consolidated
Revenue:   
Retail merchandise sales$210,681 $118,937 $— $(1,703)
(1)
$327,915 
Pawn loan fees102,684 48,876 — — 151,560 
Leased merchandise income— — 183,438 — 183,438 
Interest and fees on finance receivables— — 54,642 — 54,642 
Wholesale scrap jewelry sales26,316 18,868 — — 45,184 
Total revenue339,681 186,681 238,080 (1,703)762,739 
Cost of revenue:    
Cost of retail merchandise sold121,929 77,963 — (891)
(1)
199,001 
Depreciation of leased merchandise— — 102,172 (567)
(1)
101,605 
Provision for lease losses— — 49,166 (101)
(1)
49,065 
Provision for loan losses— — 29,285 — 29,285 
Cost of wholesale scrap jewelry sold21,082 14,645 — — 35,727 
Total cost of revenue143,011 92,608 180,623 (1,559)414,683 
Net revenue (loss)
196,670 94,073 57,457 (144)348,056 
Expenses and other income:    
Operating expenses109,781 55,756 33,524 — 199,061 
Administrative expenses— — — 39,017 39,017 
Depreciation and amortization5,870 5,445 736 15,060 27,111 
Interest expense— — — 20,897 20,897 
Interest income— — — (517)(517)
Gain on foreign exchange
— — — (802)(802)
Merger and acquisition expenses— — — 31 31 
Other expenses (income), net— — — 45 45 
Total expenses and other income115,651 61,201 34,260 73,731 284,843 
Income (loss) before income taxes
$81,019 $32,872 $23,197 $(73,875)$63,213 

(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 March 31, 2023
U.S.
Pawn		Latin America
Pawn		Retail POS
Payment
Solutions		Corporate/
Eliminations		Consolidated
Earning assets:
Pawn loans$256,773$120,924$—$—$377,697
Finance receivables, net——102,093—102,093
Inventories178,58779,016——257,603
Leased merchandise, net——150,094(1,240)
(1)
148,854

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