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Segment Information (Tables) | 12 Months Ended
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Sep. 30, 2025
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, 2025
(in thousands) | U.S. Pawn |  | Latin America Pawn |  | Other Investments |  | Total Segments |  | Corporate Items |  | Consolidated
Revenues: |  |  |  |  |  |  |  |  |  |  |
Merchandise sales | $ | 475,252 |  |  | $ | 225,747 |  |  | $ | — |  |  | $ | 700,999 |  |  | $ | — |  |  | $ | 700,999 |
Jewelry scrap sales | 85,658 |  |  | 13,226 |  |  | — |  |  | 98,884 |  |  | — |  |  | 98,884 |
Pawn service charges | 351,479 |  |  | 122,749 |  |  | — |  |  | 474,228 |  |  | — |  |  | 474,228 |
Other revenues | 103 |  |  | 66 |  |  | — |  |  | 169 |  |  | — |  |  | 169 |
Total revenues | 912,492 |  |  | 361,788 |  |  | — |  |  | 1,274,280 |  |  | — |  |  | 1,274,280 |
Merchandise cost of goods sold | 299,107 |  |  | 156,570 |  |  | — |  |  | 455,677 |  |  | — |  |  | 455,677 |
Jewelry scrap cost of goods sold | 62,746 |  |  | 9,792 |  |  | — |  |  | 72,538 |  |  | — |  |  | 72,538 |
Gross profit | 550,639 |  |  | 195,426 |  |  | — |  |  | 746,065 |  |  | — |  |  | 746,065 |
Segment and corporate expenses (income): |  |  |  |  |  |  |  |  |  |  |
Store expenses | 339,378 |  |  | 141,730 |  |  | — |  |  | 481,108 |  |  | — |  |  | 481,108 |
General and administrative | — |  |  | — |  |  | — |  |  | — |  |  | 83,500 |  |  | 83,500 |
Impairment of other assets | 263 |  |  | — |  |  | — |  |  | 263 |  |  | 614 |  |  | 877 |
Depreciation and amortization | 10,750 |  |  | 8,612 |  |  | — |  |  | 19,362 |  |  | 13,176 |  |  | 32,538 |
Loss (gain) on sale or disposal of assets and other | 83 |  |  | 52 |  |  | — |  |  | 135 |  |  | — |  |  | 135 |
Other operating income | — |  |  | — |  |  | — |  |  | — |  |  | (1,262) |  |  | (1,262) |
Interest expense | — |  |  | — |  |  | — |  |  | — |  |  | 23,029 |  |  | 23,029 |
Interest income | — |  |  | (1,251) |  |  | (2,646) |  |  | (3,897) |  |  | (10,824) |  |  | (14,721) |
Equity in net (income) loss of unconsolidated affiliates | — |  |  | — |  |  | (6,936) |  |  | (6,936) |  |  | 786 |  |  | (6,150) |
Other income | — |  |  | (330) |  |  | — |  |  | (330) |  |  | 568 |  |  | 238 |
Segment contribution | $ | 200,165 |  |  | $ | 46,613 |  |  | $ | 9,582 |  |  | $ | 256,360 |  |  |  |  |
Income (loss) before income taxes |  |  |  |  |  |  | $ | 256,360 |  |  | $ | (109,587) |  |  | $ | 146,773 |
| 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 scrap 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 scrap 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 scrap 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 scrap 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 goodwill and intangibles 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 |
Schedule of Reconciliation of Segment Assets to Consolidated | The following table presents separately identified segment assets:
(in thousands) | Pawn Loans |  | Inventory |  |  |  | Other Investments |  |  |  | Total
Assets as of September 30, 2025 |  |  |  |  |  |  |  |  |  |  |
U.S. Pawn | $ | 233,774 |  |  | $ | 185,640 |  |  |  |  | $ | — |  |  |  |  | $ | 419,414 |
Latin America Pawn | 73,722 |  |  | 62,817 |  |  |  |  | — |  |  |  |  | 136,539 |
Total segment assets |  |  |  |  |  |  |  |  |  |  | $ | 555,953 |
Other Investments * | — |  |  | — |  |  |  |  | 92,556 |  |  |  |  | 92,556 |
Total other assets |  |  |  |  |  |  |  |  |  |  | 1,302,700 |
Total consolidated assets |  |  |  |  |  |  |  |  |  |  | $ | 1,951,209 |
Assets as of September 30, 2024 |  |  |  |  |  |  |  |  |  |  |
U.S. Pawn | $ | 214,306 |  |  | $ | 138,624 |  |  |  |  | $ | — |  |  |  |  | $ | 352,930 |
Latin America Pawn | 59,778 |  |  | 53,299 |  |  |  |  | — |  |  |  |  | 113,077 |
Total segment assets |  |  |  |  |  |  |  |  |  |  | $ | 466,007 |
Other Investments * | — |  |  | — |  |  |  |  | 79,421 |  |  |  |  | 79,421 |
Total other assets |  |  |  |  |  |  |  |  |  |  | 947,809 |
Total consolidated assets |  |  |  |  |  |  |  |  |  |  | $ | 1,493,237 |
* The CODM does not review Other Investments assets for purposes of assessing segment performance and allocating resources. As such, the asset balance for Other Investments is not included within the total segment assets caption. The Other Investments balance includes the investment in Cash Converters, refer to Note 5 for the investment value.
Schedule of Revenues by Geographic Information | The following tables provide geographic information:
| Fiscal Year Ended September 30,
(in thousands) | 2025 |  | 2024 |  | 2023
Revenues: |  |  |  |  |
United States | $ | 912,492 |  |  | $ | 836,083 |  |  | $ | 761,921 |
Mexico | 267,300 |  |  | 247,613 |  |  | 223,765 |
Other Latin America | 94,488 |  |  | 77,871 |  |  | 63,300 |
Other Investments | — |  |  | 35 |  |  | 55 |
Total revenues | $ | 1,274,280 |  |  | $ | 1,161,602 |  |  | $ | 1,049,041 |
Schedule of Long-lived Assets by Geographic Information |
| September 30, |  |
(in thousands) | 2025 |  | 2024 |  |
Property and equipment, net: |  |  |  |  |
United States | $ | 37,130 |  |  | $ | 35,634 |  |  |
Mexico | 27,184 |  |  | 21,839 |  |  |
Other Latin America | 11,017 |  |  | 8,500 |  |  |
Property and equipment, net | $ | 75,331 |  |  | $ | 65,973 |  |  |

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