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Segment Information
 6 Months Ended
Jun. 30, 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, 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 fees120,332 60,714 — — 181,046 
Leased merchandise income— — 194,570 — 194,570 
Interest and fees on finance receivables— — 56,799 — 56,799 
Wholesale scrap jewelry sales26,311 8,823 — — 35,134 
Total revenue376,736 203,982 251,369 (1,075)831,012 
Cost of revenue:    
Cost of retail merchandise sold132,449 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 sold21,269 7,273 — — 28,542 
Total cost of revenue153,718 93,549 189,507 (1,159)435,615 
Net revenue
223,018 110,433 61,862 84 395,397 
Expenses and other income:    
Operating expenses125,192 67,902 35,275 — 228,369 
Administrative expenses— — — 45,576 45,576 
Depreciation and amortization7,231 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 income132,423 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 fees243,306 117,275 — — 360,581 
Leased merchandise income— — 400,241 — 400,241 
Interest and fees on finance receivables— — 114,186 — 114,186 
Wholesale scrap jewelry sales44,037 18,053 — — 62,090 
Total revenue754,426 400,622 514,427 (2,093)1,667,382 
Cost of revenue:    
Cost of retail merchandise sold272,363 170,459 — (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 sold36,535 15,296 — — 51,831 
Total cost of revenue308,898 185,755 383,879 (2,387)876,145 
Net revenue
445,528 214,867 130,548 294 791,237 
Expenses and other income:    
Operating expenses244,087 135,327 70,091 — 449,505 
Administrative expenses— — — 88,633 88,633 
Depreciation and amortization14,244 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 income258,331 145,850 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 
Inventories223,428 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 fees98,973 55,205 — — 154,178 
Leased merchandise income— — 189,805 — 189,805 
Interest and fees on finance receivables— — 58,192 — 58,192 
Wholesale scrap jewelry sales17,652 9,931 — — 27,583 
Total revenue312,668 191,717 247,997 (1,760)750,622 
Cost of revenue:    
Cost of retail merchandise sold111,539 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 sold14,225 7,655 — — 21,880 
Total cost of revenue125,764 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 expenses108,159 59,507 37,115 — 204,781 
Administrative expenses— — — 40,355 40,355 
Depreciation and amortization6,330 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 income114,489 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 fees201,657 104,081 — — 305,738 
Leased merchandise income— — 373,243 — 373,243 
Interest and fees on finance receivables— — 112,834 — 112,834 
Wholesale scrap jewelry sales43,968 28,799 — — 72,767 
Total revenue652,349 378,398 486,077 (3,463)1,513,361 
Cost of revenue:    
Cost of retail merchandise sold233,468 159,623 — (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 sold35,307 22,300 — — 57,607 
Total cost of revenue268,775 181,923 364,923 (3,203)812,418 
Net revenue (loss)
383,574 196,475 121,154 (260)700,943 
Expenses and other income:    
Operating expenses217,940 115,263 70,639 — 403,842 
Administrative expenses— — — 79,372 79,372 
Depreciation and amortization12,200 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 income230,140 125,911 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
Inventories180,41086,732——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.