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Segment Information (Tables) | 12 Months Ended
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Sep. 30, 2024
Segment Reporting [Abstract] |
Schedule of Operating Segment Information | The following income (loss) before income taxes tables present revenue for each reportable segment, disaggregated revenue within our reportable segments and Corporate, segment profits and segment contribution.
| Fiscal Year Ended September 30, 2024
(in thousands) | U.S. Pawn |  | Latin America Pawn |  | Other Investments |  | Total Segments |  | Corporate Items |  | Consolidated
Revenues: |  |  |  |  |  |  |  |  |  |  |
Merchandise sales | $ | 459,251 |  |  | $ | 204,485 |  |  | $ | — |  |  | $ | 663,736 |  |  | $ | — |  |  | $ | 663,736 |
Jewelry scrapping sales | 54,344 |  |  | 6,738 |  |  | — |  |  | 61,082 |  |  | — |  |  | 61,082 |
Pawn service charges | 322,362 |  |  | 114,183 |  |  | — |  |  | 436,545 |  |  | — |  |  | 436,545 |
Other revenues | 126 |  |  | 78 |  |  | 35 |  |  | 239 |  |  | — |  |  | 239 |
Total revenues | 836,083 |  |  | 325,484 |  |  | 35 |  |  | 1,161,602 |  |  | — |  |  | 1,161,602 |
Merchandise cost of goods sold | 288,894 |  |  | 138,509 |  |  | — |  |  | 427,403 |  |  | — |  |  | 427,403 |
Jewelry scrapping cost of goods sold | 45,926 |  |  | 6,000 |  |  | — |  |  | 51,926 |  |  | — |  |  | 51,926 |
Gross profit | 501,263 |  |  | 180,975 |  |  | 35 |  |  | 682,273 |  |  | — |  |  | 682,273 |
Segment and corporate expenses (income): |  |  |  |  |  |  |  |  |  |  |
Store expenses | 325,816 |  |  | 135,239 |  |  | — |  |  | 461,055 |  |  | — |  |  | 461,055 |
General and administrative | — |  |  | — |  |  | — |  |  | — |  |  | 75,557 |  |  | 75,557 |
Impairment of other assets | — |  |  | — |  |  | — |  |  | — |  |  | 843 |  |  | 843 |
Depreciation and amortization | 10,147 |  |  | 8,865 |  |  | — |  |  | 19,012 |  |  | 14,057 |  |  | 33,069 |
Loss (gain) on sale or disposal of assets and other | 3 |  |  | (140) |  |  | — |  |  | (137) |  |  | 121 |  |  | (16) |
Other operating income | — |  |  | — |  |  | — |  |  | — |  |  | (765) |  |  | (765) |
Interest expense | — |  |  | — |  |  | — |  |  | — |  |  | 13,585 |  |  | 13,585 |
Interest income | — |  |  | (1,612) |  |  | (2,422) |  |  | (4,034) |  |  | (6,541) |  |  | (10,575) |
Equity in net (income) loss of unconsolidated affiliates | — |  |  | — |  |  | (4,993) |  |  | (4,993) |  |  | 282 |  |  | (4,711) |
Other income | 7 |  |  | (218) |  |  | — |  |  | (211) |  |  | (1,166) |  |  | (1,377) |
Segment contribution | $ | 165,290 |  |  | $ | 38,841 |  |  | $ | 7,450 |  |  | $ | 211,581 |  |  |  |  |
Income (loss) before income taxes |  |  |  |  |  |  | $ | 211,581 |  |  | $ | (95,973) |  |  | $ | 115,608 |
| Fiscal Year Ended September 30, 2023
(in thousands) | U.S. Pawn |  | Latin America Pawn |  | Other Investments |  | Total Segments |  | Corporate Items |  | Consolidated
Revenues: |  |  |  |  |  |  |  |  |  |  |
Merchandise sales | $ | 432,578 |  |  | $ | 182,868 |  |  | $ | — |  |  | $ | 615,446 |  |  | $ | — |  |  | $ | 615,446 |
Jewelry scrapping sales | 43,305 |  |  | 6,223 |  |  | — |  |  | 49,528 |  |  | — |  |  | 49,528 |
Pawn service charges | 285,919 |  |  | 97,853 |  |  | — |  |  | 383,772 |  |  | — |  |  | 383,772 |
Other revenues | 119 |  |  | 121 |  |  | 55 |  |  | 295 |  |  | — |  |  | 295 |
Total revenues | 761,921 |  |  | 287,065 |  |  | 55 |  |  | 1,049,041 |  |  | — |  |  | 1,049,041 |
Merchandise cost of goods sold | 267,874 |  |  | 126,905 |  |  | — |  |  | 394,779 |  |  | — |  |  | 394,779 |
Jewelry scrapping cost of goods sold | 37,709 |  |  | 6,715 |  |  | — |  |  | 44,424 |  |  | — |  |  | 44,424 |
Gross profit | 456,338 |  |  | 153,445 |  |  | 55 |  |  | 609,838 |  |  | — |  |  | 609,838 |
Segment and corporate expenses (income): |  |  |  |  |  |  |  |  |  |  |
Store expenses | 299,319 |  |  | 119,255 |  |  | — |  |  | 418,574 |  |  | — |  |  | 418,574 |
General and administrative | — |  |  | (3) |  |  | — |  |  | (3) |  |  | 67,532 |  |  | 67,529 |
Impairment of other assets | — |  |  | — |  |  | — |  |  | — |  |  | 4,343 |  |  | 4,343 |
Depreciation and amortization | 10,382 |  |  | 9,191 |  |  | — |  |  | 19,573 |  |  | 12,558 |  |  | 32,131 |
Loss (gain) on sale or disposal of assets and other | 115 |  |  | (289) |  |  | — |  |  | (174) |  |  | 382 |  |  | 208 |
Other operating Income | — |  |  | (5,097) |  |  | — |  |  | (5,097) |  |  | — |  |  | (5,097) |
Interest expense | — |  |  | — |  |  | — |  |  | — |  |  | 16,456 |  |  | 16,456 |
Interest income | (2) |  |  | (1,139) |  |  | (1,500) |  |  | (2,641) |  |  | (4,829) |  |  | (7,470) |
Equity in net loss of unconsolidated affiliates | — |  |  | — |  |  | 28,459 |  |  | 28,459 |  |  | — |  |  | 28,459 |
Other (income) expense | — |  |  | (131) |  |  | 31 |  |  | (100) |  |  | 3,172 |  |  | 3,072 |
Segment contribution | $ | 146,524 |  |  | $ | 31,658 |  |  | $ | (26,935) |  |  | $ | 151,247 |  |  |  |  |
Income (loss) before income taxes |  |  |  |  |  |  | $ | 151,247 |  |  | $ | (99,614) |  |  | $ | 51,633 |
| Fiscal Year Ended September 30, 2022
(in thousands) | U.S. Pawn |  | Latin America Pawn |  | Other Investments |  | Total Segments |  | Corporate Items |  | Consolidated
Revenues: |  |  |  |  |  |  |  |  |  |  |
Merchandise sales | $ | 391,958 |  |  | $ | 140,928 |  |  | $ | — |  |  | $ | 532,886 |  |  | $ | — |  |  | $ | 532,886 |
Jewelry scrapping sales | 25,739 |  |  | 6,294 |  |  | — |  |  | 32,033 |  |  | — |  |  | 32,033 |
Pawn service charges | 240,982 |  |  | 79,883 |  |  | — |  |  | 320,865 |  |  | — |  |  | 320,865 |
Other revenues | 83 |  |  | 247 |  |  | 111 |  |  | 441 |  |  | — |  |  | 441 |
Total revenues | 658,762 |  |  | 227,352 |  |  | 111 |  |  | 886,225 |  |  | — |  |  | 886,225 |
Merchandise cost of goods sold | 230,241 |  |  | 99,141 |  |  | — |  |  | 329,382 |  |  | — |  |  | 329,382 |
Jewelry scrapping cost of goods sold | 22,755 |  |  | 5,941 |  |  | — |  |  | 28,696 |  |  | — |  |  | 28,696 |
Gross profit | 405,766 |  |  | 122,270 |  |  | 111 |  |  | 528,147 |  |  | — |  |  | 528,147 |
Segment and corporate expenses (income): |  |  |  |  |  |  |  |  |  |  |
Store expenses | 266,114 |  |  | 91,303 |  |  | — |  |  | 357,417 |  |  | — |  |  | 357,417 |
General and administrative | — |  |  | — |  |  | — |  |  | — |  |  | 64,342 |  |  | 64,342 |
Depreciation and amortization | 10,552 |  |  | 7,913 |  |  | — |  |  | 18,465 |  |  | 13,675 |  |  | 32,140 |
Loss (gain) on sale or disposal of assets | 51 |  |  | (37) |  |  | — |  |  | 14 |  |  | (688) |  |  | (674) |
Interest expense | — |  |  | — |  |  | — |  |  | — |  |  | 9,972 |  |  | 9,972 |
Interest income | (2) |  |  | (815) |  |  | — |  |  | (817) |  |  | — |  |  | (817) |
Equity in net income of unconsolidated affiliates | — |  |  | — |  |  | (1,779) |  |  | (1,779) |  |  | — |  |  | (1,779) |
Other (income) expense | — |  |  | (148) |  |  | 52 |  |  | (96) |  |  | (71) |  |  | (167) |
Segment contribution | $ | 129,051 |  |  | $ | 24,054 |  |  | $ | 1,838 |  |  | $ | 154,943 |  |  |  |  |
Income (loss) before income taxes |  |  |  |  |  |  | $ | 154,943 |  |  | $ | (87,230) |  |  | $ | 67,713 |
Schedule of Reconciliation of Segment Assets to Consolidated | The following table presents separately identified segment assets:
(in thousands) | U.S. Pawn |  | Latin America Pawn |  |  |  | Other Investments(a) |  | Corporate |  | Total
Assets as of September 30, 2024 |  |  |  |  |  |  |  |  |  |  |
Pawn loans | $ | 214,306 |  |  | $ | 59,778 |  |  |  |  | $ | — |  |  | $ | — |  |  | $ | 274,084 |
Pawn service charges receivable, net | 39,194 |  |  | 4,819 |  |  |  |  | — |  |  | — |  |  | 44,013 |
Inventory, net | 138,624 |  |  | 53,299 |  |  |  |  | — |  |  | — |  |  | 191,923 |
Total assets | 1,009,226 |  |  | 311,824 |  |  |  |  | 79,421 |  |  | 92,766 |  |  | 1,493,237 |
Assets as of September 30, 2023 |  |  |  |  |  |  |  |  |  |  |
Pawn loans | $ | 190,624 |  |  | $ | 55,142 |  |  |  |  | $ | — |  |  | $ | — |  |  | 245,766 |
Pawn service charges receivable, net | 34,318 |  |  | 4,567 |  |  |  |  | — |  |  | — |  |  | 38,885 |
Inventory, net | 128,901 |  |  | 37,576 |  |  |  |  | — |  |  | — |  |  | 166,477 |
Total assets | 984,539 |  |  | 313,164 |  |  |  |  | 63,707 |  |  | 106,301 |  |  | 1,467,711 |
(a) Segment assets as of September 30, 2023 have been recast to conform to current year presentation as CCV no longer meets the 10 percent threshold to be considered its own segment
Schedule of Revenues by Geographic Information | The following tables provide geographic information:
| Fiscal Year Ended September 30,
(in thousands) | 2024 |  | 2023 |  | 2022
Revenues: |  |  |  |  |
United States | $ | 836,083 |  |  | $ | 761,921 |  |  | $ | 658,762 |
Mexico | 247,613 |  |  | 223,765 |  |  | 173,122 |
Other Latin America | 77,871 |  |  | 63,300 |  |  | 54,230 |
Other Investments | 35 |  |  | 55 |  |  | 111 |
Total revenues | $ | 1,161,602 |  |  | $ | 1,049,041 |  |  | $ | 886,225 |
Schedule of Long-lived Assets by Geographic Information |
| September 30, |  |
(in thousands) | 2024 |  | 2023 |  |
Property and equipment, net: |  |  |  |  |
United States | $ | 35,634 |  |  | $ | 37,695 |  |  |
Mexico | 21,839 |  |  | $ | 24,033 |  |  |
Other Latin America | 8,500 |  |  | $ | 6,368 |  |  |
Property and equipment, net | $ | 65,973 |  |  | $ | 68,096 |  |  |

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