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Income Taxes (Tables) | 12 Months Ended
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Sep. 30, 2025
Income Tax Disclosure [Abstract] |
Schedule of Domestic and Foreign Income Components | The following table presents the components of our income before income taxes, including inter-segment amounts:
| Fiscal Year Ended September 30,
(in thousands) | 2025 |  | 2024 |  | 2023
Domestic* | $ | 106,379 |  |  | $ | 82,703 |  |  | $ | 26,209 |
Foreign | 40,394 |  |  | 32,905 |  |  | 25,424 |
Total | $ | 146,773 |  |  | $ | 115,608 |  |  | $ | 51,633 |
* Includes the majority of our corporate administrative costs. See Note 13: Segment Information for information pertaining to segment contribution.
Schedule of Components of Income Tax Provision | The following table presents the significant components of the income tax provision:
| Fiscal Year Ended September 30,
(in thousands) | 2025 |  | 2024 |  | 2023
Current: |  |  |  |  |
Federal | $ | 25,530 |  |  | $ | 20,176 |  |  | $ | 18,753 |
State and foreign | 14,714 |  |  | 10,983 |  |  | 7,219 |
Total | 40,244 |  |  | 31,159 |  |  | 25,972 |
Deferred: |  |  |  |  |
Federal | (1,947) |  |  | (1,719) |  |  | (11,182) |
State and foreign | (1,137) |  |  | 3,073 |  |  | (1,620) |
Total | (3,084) |  |  | 1,354 |  |  | (12,802) |
Total income tax expense | $ | 37,160 |  |  | $ | 32,513 |  |  | $ | 13,170 |
Schedule of Reconciliation of Income Taxes Calculated at the Statutory Rate and the Provision for Income Taxes | The following table presents a reconciliation of income taxes calculated at the statutory rate and the provision for income taxes:
| Fiscal Year Ended September 30,
(in thousands) | 2025 |  | 2024 |  | 2023
Income tax expense (benefit) at the federal statutory rate | $ | 30,833 |  |  | $ | 24,278 |  |  | $ | 10,843 |
State taxes, net of federal benefit | 2,857 |  |  | 3,421 |  |  | 1,814 |
Mexico inflation adjustment | (1,518) |  |  | (2,154) |  |  | (1,787) |
Non-deductible items | 3,694 |  |  | 4,169 |  |  | 2,655 |
Foreign rate differential | 2,081 |  |  | 2,098 |  |  | 2,381 |
Change in valuation allowance | (365) |  |  | (411) |  |  | 311 |
Stock compensation | (527) |  |  | (202) |  |  | (62) |
Uncertain tax positions | 259 |  |  | (198) |  |  | (174) |
Foreign withholding tax | — |  |  | 998 |  |  | — |
Deferred tax true-up | — |  |  | 587 |  |  | (165) |
Dividends received deduction | (2,614) |  |  | (742) |  |  | (754) |
Non-deductible loss on debt restructuring | — |  |  | — |  |  | 1,710 |
U.S. GAAP/statutory book adjustments | 760 |  |  | (239) |  |  | (1,143) |
Other | 1,700 |  |  | 908 |  |  | (2,459) |
Total income tax expense | $ | 37,160 |  |  | $ | 32,513 |  |  | $ | 13,170 |
Effective tax rate | 25 | % |  | 28 | % |  | 26 | %
Schedule of Significant Components of Deferred Tax Assets and Liabilities | The following table shows significant components of our deferred tax assets and liabilities:
| September 30,
(in thousands) | 2025 |  | 2024
Deferred tax assets: |  |  |
Cash Converters | $ | 19,108 |  |  | $ | 20,051 |
Tax over book inventory | 10,646 |  |  | 8,595 |
Accrued liabilities | 11,092 |  |  | 7,958 |
Pawn service charges receivable | 3,705 |  |  | 3,182 |
Stock compensation | 2,334 |  |  | 1,718 |
Foreign tax credit | 942 |  |  | 1,696 |
State and foreign net operating loss carryforwards | 12,715 |  |  | 13,030 |
Book over tax depreciation | 6,444 |  |  | 7,052 |
Operating lease liabilities | 15,929 |  |  | 52,444 |
Other | 7,433 |  |  | 6,510 |
Total deferred tax assets before valuation allowance | 90,348 |  |  | 122,236 |
Valuation allowance | (15,231) |  |  | (15,685) |
Total deferred tax assets, net | 75,117 |  |  | 106,551 |
Deferred tax liabilities: |  |  |
Tax over book amortization | 30,367 |  |  | 31,436 |
Right-of-use assets, net | 15,806 |  |  | 49,747 |
Prepaid expenses | 2,060 |  |  | 2,086 |
Total deferred tax liabilities | 48,233 |  |  | 83,269 |
Net deferred tax asset | $ | 26,884 |  |  | $ | 23,282 |
Schedule of Unrecognized Tax Benefits | The following table presents a roll-forward of unrecognized tax benefits:
| Fiscal Year Ended September 30,
(in thousands) | 2025 |  | 2024 |  | 2023
Beginning balance | $ | 2,801 |  |  | $ | 3,293 |  |  | $ | 3,568 |
Increase for tax positions taken during a prior period | 625 |  |  | 223 |  |  | 396 |
Decrease for tax positions taken during a prior period | (47) |  |  | (337) |  |  | (259) |
Decrease for tax positions as a result of the lapse of the statute of limitations | (404) |  |  | (378) |  |  | (412) |
Ending balance | $ | 2,975 |  |  | $ | 2,801 |  |  | $ | 3,293 |

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