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BASIS AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Tables)

6 Months Ended

Jun. 30, 2026

Accounting Policies [Abstract]

Schedule of Calculation of Dilutive Share-Based Awards

The following table shows the calculation of dilutive share-based awards:

			Three months ended June 30,												Six months ended June 30,
(shares in thousands)			2026						2025						2026						2025
Weighted average shares outstanding			40,177						40,130						40,038						40,484
Dilutive effect of share-based awards			557						429						734						719
Weighted average diluted shares outstanding			40,734						40,559						40,772						41,203

Schedule of Allowance for Lease Merchandise Write-Offs

The following table shows the components of the allowance for lease merchandise write-offs, which is included within lease merchandise, net in the condensed consolidated balance sheets:

			Three months ended June 30,												Six months ended June 30,
(in thousands)			2026						2025						2026						2025
Beginning balance			$	50,376					$	55,070					$	47,000					$	51,874
Net book value of merchandise written off			(47,161)						(51,167)						(89,251)						(97,812)
Recoveries			2,305						2,327						4,120						4,150
Provision for write-offs			46,499						42,633						90,150						90,651
Ending balance			$	52,019					$	48,863					$	52,019					$	48,863

Schedule of Cash and Cash Equivalents

The following table provides a reconciliation of cash, cash equivalents, and restricted cash reported within the condensed consolidated balance sheets to the total amount shown in the condensed consolidated statements of cash flows:

			Six months ended June 30,
(in thousands)			2026						2025
Cash and cash equivalents			$	85,201					$	222,027
Restricted cash			7,168						—
Total cash, cash equivalents and restricted cash per statement of cash flows			$	92,369					$	222,027

Schedule of Restricted Cash

The following table provides a reconciliation of cash, cash equivalents, and restricted cash reported within the condensed consolidated balance sheets to the total amount shown in the condensed consolidated statements of cash flows:

			Six months ended June 30,
(in thousands)			2026						2025
Cash and cash equivalents			$	85,201					$	222,027
Restricted cash			7,168						—
Total cash, cash equivalents and restricted cash per statement of cash flows			$	92,369					$	222,027

Schedule of Prepaid Expenses and Other Assets

Prepaid expenses and other assets consist of the following:

(in thousands)			June 30, 2026						December 31, 2025
Prepaid expenses			$	37,511					$	28,885
Prepaid lease merchandise			11,829						14,233
Prepaid software expenses			15,694						10,321
Unamortized initial direct costs on lease agreement originations			6,487						6,838
Operating lease right-of-use assets			7,839						2,740
Inventories			2,444						—
Other assets			12,023						10,366
Prepaid expenses and other assets			$	93,827					$	73,383

Schedule of Accounts Payable and Accrued Expenses

Accounts payable and accrued expenses consist of the following:

(in thousands)			June 30, 2026						December 31, 2025
Accounts payable			$	45,174					$	18,504
Accrued salaries and benefits			32,948						16,201
Accrued sales and personal property taxes			15,497						9,588
Income taxes payable			1,083						1,177
Uncertain tax positions			3,553						2,695
Accrued vendor rebates			7,869						13,212
Other accrued expenses and liabilities			42,544						35,094
Accounts payable and accrued expenses			$	148,668					$	96,471

Schedule of Indefinite-Lived Intangible Assets

The following table summarizes information related to indefinite-lived intangible assets at June 30, 2026 and December 31, 2025:

(in thousands)			June 30, 2026						December 31, 2025
Trade Name			$	53,000					$	53,000
Goodwill
Progressive Leasing			$	288,801					$	288,801
Purchasing Power			110,653						—
Four			7,260						7,260
Total goodwill			$	406,714					$	296,061
Indefinite-lived intangible assets			$	459,714					$	349,061

Schedule of Definite-Lived Intangible Assets

The following table summarizes information related to definite-lived intangible assets at June 30, 2026 and December 31, 2025:

			June 30, 2026															December 31, 2025
(in thousands)			Gross						Accumulated amortization						Net			Gross						Accumulated amortization						Net
Client relationships			$	258,000					$	(12,900)					$	245,100		$	—					$	—					$	—
Retail partner and broker relationships			205,587						(182,787)						22,800			181,586						(177,271)						4,315
Trademarks and trade names			29,587						(1,312)						28,275			587						(528)						59
Internally developed technology			92,000						(84,800)						7,200			84,000						(83,600)						400
Total			$	585,174					$	(281,799)					$	303,375		$	266,173					$	(261,399)					$	4,774

Schedule of Changes in Stockholders Equity

Changes in shareholders' equity for the six months ended June 30, 2026 and 2025 are as follows:

			Treasury stock												Common stock												Additional paid-in capital						Retained earnings						Total shareholders' equity
(in thousands)			Shares						Amount						Shares						Amount
Balance, December 31, 2025			(42,503)						$	(1,252,890)					82,079						$	41,039					$	363,583					$	1,594,685					$	746,417
Cash dividends, $0.14 per share			—						—						—						—						—						(5,860)						(5,860)
Stock-based compensation			—						—						—						—						7,651						—						7,651
Reissued shares			488						12,841						—						—						(22,748)						—						(9,907)
Net earnings			—						—						—						—						—						36,054						36,054
Balance, March 31, 2026			(42,015)						$	(1,240,049)					82,079						$	41,039					$	348,486					$	1,624,879					$	774,355
Cash dividends, $0.14 per share			—						—						—						—						—						(5,864)						(5,864)
Stock-based compensation			—						—						—						—						9,209						—						9,209
Reissued shares			48						1,358						—						—						(562)						—						796
Repurchased shares			(280)						(10,185)						—						—						—						—						(10,185)
Net earnings			—						—						—						—						—						37,029						37,029
Balance, June 30, 2026			(42,247)						$	(1,248,876)					82,079						$	41,039					$	357,133					$	1,656,044					$	805,340

			Treasury stock												Common stock												Additional paid-in capital						Retained earnings						Total shareholders' equity
(in thousands)			Shares						Amount						Shares						Amount
Balance, December 31, 2024			(41,263)						$	(1,218,746)					82,079						$	41,039					$	358,538					$	1,469,450					$	650,281
Cash dividends, $0.13 per share			—						—						—						—						—						(5,465)						(5,465)
Stock-based compensation			—						—						—						—						7,806						—						7,806
Reissued shares			474						14,338						—						—						(21,062)						—						(6,724)
Repurchased shares			(936)						(26,168)						—						—						—						—						(26,168)
Net earnings			—						—						—						—						—						34,718						34,718
Balance, March 31, 2025			(41,725)						$	(1,230,576)					82,079						$	41,039					$	345,282					$	1,498,703					$	654,448
Cash dividends, $0.13 per share			—						—						—						—						—						(5,418)						(5,418)
Stock-based compensation			—						—						—						—						6,646						—						6,646
Reissued shares			90						2,629						—						—						(2,221)						—						408
Repurchased shares			(900)						(25,894)						—						—						—						—						(25,894)
Net earnings			—						—						—						—						—						38,483						38,483
Balance, June 30, 2025			(42,535)						$	(1,253,841)					82,079						$	41,039					$	349,707					$	1,531,768					$	668,673

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