XML 58 R46.htm IDEA: XBRL DOCUMENT v3.25.3
Segment Information (Details)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2025
USD ($)
Sep. 30, 2024
USD ($)
Sep. 30, 2025
USD ($)
segment
Sep. 30, 2024
USD ($)
Dec. 31, 2024
USD ($)
Schedule of Revenues from External Customers [Line Items]          
Number of reportable segments | segment     4    
Revenue:          
Retail merchandise sales $ 410,968 $ 363,141 $ 1,167,149 $ 1,093,425  
Pawn loan fees 221,088 186,561 603,781 547,142  
Leased merchandise income 132,540 188,560 429,242 588,801  
Interest and fees on finance receivables 81,683 61,198 231,171 175,384  
Wholesale scrap jewelry sales 86,710 37,861 168,691 99,951  
Other revenue 2,590 0 2,590 0  
Total revenue 935,579 837,321 2,602,624 2,504,703  
Cost of revenue:          
Cost of retail merchandise sold 248,723 218,178 703,173 659,854  
Depreciation of leased merchandise 76,028 104,928 243,119 335,369  
Provision for lease losses 27,920 39,171 88,025 129,834  
Provision for loan losses 40,347 40,557 118,468 102,091  
Cost of wholesale scrap jewelry sold 68,220 29,880 138,479 81,711  
Other cost of revenue 634 0 634 0  
Total cost of revenue 461,872 432,714 1,291,898 1,308,859  
Net revenue 473,707 404,607 1,310,726 1,195,844  
Expenses and other income:          
Operating expenses 236,528 224,926 673,607 674,431  
Administrative expenses 58,845 42,237 166,631 132,857  
Depreciation and amortization 29,034 25,933 80,400 78,507  
Interest expense 32,216 27,424 86,024 78,029  
Interest income (908) (403) (2,664) (1,407)  
(Gain) loss on foreign exchange (219) 882 (1,504) 2,133  
Merger and acquisition expenses 9,472 225 12,711 2,186  
Other income, net (3,740) (1,797) (9,254) (4,135)  
Total expenses and other income 361,228 319,427 1,005,951 962,601  
Income (loss) before income taxes 112,479 85,180 304,775 233,243  
Pawn loans 788,130 517,877 788,130 517,877 $ 517,867
Finance receivables, net 153,134 123,751 153,134 123,751 147,501
Inventories 456,273 334,394 456,273 334,394 334,580
Leased merchandise, net 99,725 137,769 99,725 137,769 128,437
Goodwill 1,970,358 1,788,795 1,970,358 1,788,795 1,787,172
Assets 5,182,316 4,392,847 5,182,316 4,392,847 $ 4,476,986
Corporate/ Intersegment Eliminations          
Revenue:          
Retail merchandise sales (705) (977) (2,155) (3,070)  
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  
Other revenue 0   0    
Total revenue (705) (977) (2,155) (3,070)  
Cost of revenue:          
Cost of retail merchandise sold (374) (517) (1,149) (1,663)  
Depreciation of leased merchandise (225) (380) (806) (1,280)  
Provision for lease losses (85) (97) (251) (438)  
Provision for loan losses 0 0 0 0  
Cost of wholesale scrap jewelry sold 0 0 0 0  
Other cost of revenue 0   0    
Total cost of revenue (684) (994) (2,206) (3,381)  
Net revenue (21) 17 51 311  
Expenses and other income:          
Operating expenses 0 0 0 0  
Administrative expenses 58,845 42,237 166,631 132,857  
Depreciation and amortization 14,698 13,213 40,239 39,621  
Interest expense 32,216 27,424 86,024 78,029  
Interest income (908) (403) (2,664) (1,407)  
(Gain) loss on foreign exchange (219) 882 (1,504) 2,133  
Merger and acquisition expenses 9,472 225 12,711 2,186  
Other income, net (3,740) (1,797) (9,254) (4,135)  
Total expenses and other income 110,364 81,781 292,183 249,284  
Income (loss) before income taxes (110,385) (81,764) (292,132) (248,973)  
Pawn loans 0 0 0 0  
Finance receivables, net 0 0 0 0  
Inventories 0 0 0 0  
Leased merchandise, net (184) (204) (184) (204)  
Goodwill 0 0 0 0  
Assets 166,850 135,737 166,850 135,737  
Pawn Segment | UNITED STATES | Operating Segments          
Revenue:          
Retail merchandise sales 252,963 235,037 754,106 702,120  
Pawn loan fees 138,867 128,393 407,763 371,699  
Leased merchandise income 0 0 0 0  
Interest and fees on finance receivables 0 0 0 0  
Wholesale scrap jewelry sales 45,607 26,685 107,839 70,722  
Other revenue 0   0    
Total revenue 437,437 390,115 1,269,708 1,144,541  
Cost of revenue:          
Cost of retail merchandise sold 145,411 134,966 434,318 407,329  
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 38,520 21,393 92,009 57,928  
Other cost of revenue 0   0    
Total cost of revenue 183,931 156,359 526,327 465,257  
Net revenue 253,506 233,756 743,381 679,284  
Expenses and other income:          
Operating expenses 133,024 128,104 395,790 372,191  
Administrative expenses 0 0 0 0  
Depreciation and amortization 8,464 7,365 24,155 21,609  
Interest expense 0 0 0 0  
Interest income 0 0 0 0  
(Gain) loss on foreign exchange 0 0 0 0  
Merger and acquisition expenses 0 0 0 0  
Other income, net 0 0 0 0  
Total expenses and other income 141,488 135,469 419,945 393,800  
Income (loss) before income taxes 112,018 98,287 323,436 285,484  
Pawn loans 426,288 380,962 426,288 380,962  
Finance receivables, net 0 0 0 0  
Inventories 266,452 238,668 266,452 238,668  
Leased merchandise, net 0 0 0 0  
Goodwill 1,156,052 1,125,226 1,156,052 1,125,226  
Assets 2,800,729 2,633,854 2,800,729 2,633,854  
Latin America Pawn Segment | Latin America | Operating Segments          
Revenue:          
Retail merchandise sales 144,644 129,081 401,132 394,375  
Pawn loan fees 67,199 58,168 180,996 175,443  
Leased merchandise income 0 0 0 0  
Interest and fees on finance receivables 0 0 0 0  
Wholesale scrap jewelry sales 17,831 11,176 37,580 29,229  
Other revenue 0   0    
Total revenue 229,674 198,425 619,708 599,047  
Cost of revenue:          
Cost of retail merchandise sold 92,931 83,729 259,249 254,188  
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 15,000 8,487 31,770 23,783  
Other cost of revenue 0   0    
Total cost of revenue 107,931 92,216 291,019 277,971  
Net revenue 121,743 106,209 328,689 321,076  
Expenses and other income:          
Operating expenses 70,327 63,062 196,158 198,389  
Administrative expenses 0 0 0 0  
Depreciation and amortization 4,443 4,676 13,173 15,199  
Interest expense 0 0 0 0  
Interest income 0 0 0 0  
(Gain) loss on foreign exchange 0 0 0 0  
Merger and acquisition expenses 0 0 0 0  
Other income, net 0 0 0 0  
Total expenses and other income 74,770 67,738 209,331 213,588  
Income (loss) before income taxes 46,973 38,471 119,358 107,488  
Pawn loans 173,203 136,915 173,203 136,915  
Finance receivables, net 0 0 0 0  
Inventories 124,081 95,726 124,081 95,726  
Leased merchandise, net 0 0 0 0  
Goodwill 189,061 177,364 189,061 177,364  
Assets 780,099 668,185 780,099 668,185  
U.K. Pawn | UNITED KINGDOM | Operating Segments          
Revenue:          
Retail merchandise sales 14,066 0 14,066 0  
Pawn loan fees 15,022 0 15,022 0  
Leased merchandise income 0 0 0 0  
Interest and fees on finance receivables 0 0 0 0  
Wholesale scrap jewelry sales 23,272 0 23,272 0  
Other revenue 2,590   2,590    
Total revenue 54,950 0 54,950 0  
Cost of revenue:          
Cost of retail merchandise sold 10,755 0 10,755 0  
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 14,700 0 14,700 0  
Other cost of revenue 634   634    
Total cost of revenue 26,089 0 26,089 0  
Net revenue 28,861 0 28,861 0  
Expenses and other income:          
Operating expenses 10,225 0 10,225 0  
Administrative expenses 0 0 0 0  
Depreciation and amortization 742 0 742 0  
Interest expense   0 0 0  
Interest income   0 0 0  
(Gain) loss on foreign exchange   0 0 0  
Merger and acquisition expenses   0 0 0  
Other income, net   0 0 0  
Total expenses and other income 10,967 0 10,967 0  
Income (loss) before income taxes 17,894 0 17,894 0  
Pawn loans 188,639 0 188,639 0  
Finance receivables, net 0 0 0 0  
Inventories 65,740 0 65,740 0  
Leased merchandise, net 0 0 0 0  
Goodwill 139,040 0 139,040 0  
Assets 546,739 0 546,739 0  
Retail POS Payment Solutions | UNITED STATES | Operating Segments          
Revenue:          
Retail merchandise sales 0 0 0 0  
Pawn loan fees 0 0 0 0  
Leased merchandise income 132,540 188,560 429,242 588,801  
Interest and fees on finance receivables 81,683 61,198 231,171 175,384  
Wholesale scrap jewelry sales 0 0 0 0  
Other revenue 0   0    
Total revenue 214,223 249,758 660,413 764,185  
Cost of revenue:          
Cost of retail merchandise sold 0 0 0 0  
Depreciation of leased merchandise 76,253 105,308 243,925 336,649  
Provision for lease losses 28,005 39,268 88,276 130,272  
Provision for loan losses 40,347 40,557 118,468 102,091  
Cost of wholesale scrap jewelry sold 0 0 0 0  
Other cost of revenue 0   0    
Total cost of revenue 144,605 185,133 450,669 569,012  
Net revenue 69,618 64,625 209,744 195,173  
Expenses and other income:          
Operating expenses 22,952 33,760 71,434 103,851  
Administrative expenses 0 0 0 0  
Depreciation and amortization 687 679 2,091 2,078  
Interest expense 0 0 0 0  
Interest income 0 0 0 0  
(Gain) loss on foreign exchange 0 0 0 0  
Merger and acquisition expenses 0 0 0 0  
Other income, net 0 0 0 0  
Total expenses and other income 23,639 34,439 73,525 105,929  
Income (loss) before income taxes 45,979 30,186 136,219 89,244  
Pawn loans 0 0 0 0  
Finance receivables, net 153,134 123,751 153,134 123,751  
Inventories 0 0 0 0  
Leased merchandise, net 99,909 137,973 99,909 137,973  
Goodwill 486,205 486,205 486,205 486,205  
Assets $ 887,899 $ 955,071 $ 887,899 $ 955,071