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Segment Information (Tables) | 3 Months Ended
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Dec. 31, 2024
Segment Reporting [Abstract] |
Schedule of Operating Segment Information | The following income (loss) before income taxes tables present revenues for each reportable segment, disaggregated revenues within our reportable segments and Corporate, segment profits and segment contribution.
| Three Months Ended December 31, 2024
(in thousands) | U.S. Pawn |  | Latin America Pawn |  | Other Investments |  | Total Segments |  | Corporate Items |  | Consolidated
Revenues: |  |  |  |  |  |  |  |  |  |  |
Merchandise sales | $ | 128,800 |  |  | $ | 57,543 |  |  | $ | — |  |  | $ | 186,343 |  |  | $ | — |  |  | $ | 186,343 |
Jewelry scrapping sales | 15,498 |  |  | 1,234 |  |  | — |  |  | 16,732 |  |  | — |  |  | 16,732 |
Pawn service charges | 87,876 |  |  | 29,176 |  |  | — |  |  | 117,052 |  |  | — |  |  | 117,052 |
Other revenues | 27 |  |  | 16 |  |  | — |  |  | 43 |  |  | — |  |  | 43 |
Total revenues | 232,201 |  |  | 87,969 |  |  | — |  |  | 320,170 |  |  | — |  |  | 320,170 |
Merchandise cost of goods sold | 81,556 |  |  | 40,268 |  |  | — |  |  | 121,824 |  |  | — |  |  | 121,824 |
Jewelry scrapping cost of goods sold | 11,968 |  |  | 974 |  |  | — |  |  | 12,942 |  |  | — |  |  | 12,942 |
Gross profit | 138,677 |  |  | 46,727 |  |  | — |  |  | 185,404 |  |  | — |  |  | 185,404 |
Segment and corporate expenses (income): |  |  |  |  |  |  |  |  |  |  |
Store expenses | 83,089 |  |  | 33,362 |  |  | — |  |  | 116,451 |  |  | — |  |  | 116,451 |
General and administrative | — |  |  | — |  |  | — |  |  | — |  |  | 18,669 |  |  | 18,669 |
Depreciation and amortization | 2,717 |  |  | 2,046 |  |  | — |  |  | 4,763 |  |  | 3,572 |  |  | 8,335 |
Loss on sale or disposal of assets and other | — |  |  | 8 |  |  | — |  |  | 8 |  |  | — |  |  | 8 |
Interest expense | — |  |  | — |  |  | — |  |  | — |  |  | 3,147 |  |  | 3,147 |
Interest income | — |  |  | (202) |  |  | (594) |  |  | (796) |  |  | (1,297) |  |  | (2,093) |
Equity in net (income) loss of unconsolidated affiliates | — |  |  | — |  |  | (1,623) |  |  | (1,623) |  |  | 148 |  |  | (1,475) |
Other (income) expense | (11) |  |  | (71) |  |  | — |  |  | (82) |  |  | 1,060 |  |  | 978 |
Segment contribution | $ | 52,882 |  |  | $ | 11,584 |  |  | $ | 2,217 |  |  | $ | 66,683 |  |  |  |  |
Income (loss) before income taxes |  |  |  |  |  |  | $ | 66,683 |  |  | $ | (25,299) |  |  | $ | 41,384 |
| Three Months Ended December 31, 2023
(in thousands) | U.S. Pawn |  | Latin America Pawn |  | Other Investments |  | Total Segments |  | Corporate Items |  | Consolidated
Revenues: |  |  |  |  |  |  |  |  |  |  |
Merchandise sales | $ | 125,513 |  |  | $ | 53,890 |  |  | $ | — |  |  | $ | 179,403 |  |  | $ | — |  |  | $ | 179,403 |
Jewelry scrapping sales | 12,815 |  |  | 1,267 |  |  | — |  |  | 14,082 |  |  | — |  |  | 14,082 |
Pawn service charges | 79,073 |  |  | 27,376 |  |  | — |  |  | 106,449 |  |  | — |  |  | 106,449 |
Other revenues | 37 |  |  | 16 |  |  | 4 |  |  | 57 |  |  | — |  |  | 57 |
Total revenues | 217,438 |  |  | 82,549 |  |  | 4 |  |  | 299,991 |  |  | — |  |  | 299,991 |
Merchandise cost of goods sold | 78,709 |  |  | 36,501 |  |  | — |  |  | 115,210 |  |  | — |  |  | 115,210 |
Jewelry scrapping cost of goods sold | 11,284 |  |  | 924 |  |  | — |  |  | 12,208 |  |  | — |  |  | 12,208 |
Gross profit | 127,445 |  |  | 45,124 |  |  | 4 |  |  | 172,573 |  |  | — |  |  | 172,573 |
Segment and corporate expenses (income): |  |  |  |  |  |  |  |  |  |  |
Store expenses | 77,255 |  |  | 33,300 |  |  | — |  |  | 110,555 |  |  | — |  |  | 110,555 |
General and administrative | — |  |  | — |  |  | — |  |  | — |  |  | 16,543 |  |  | 16,543 |
Depreciation and amortization | 2,624 |  |  | 2,339 |  |  | — |  |  | 4,963 |  |  | 3,602 |  |  | 8,565 |
Loss (gain) on sale or disposal of assets and other | 26 |  |  | (196) |  |  | — |  |  | (170) |  |  | (2) |  |  | (172) |
Interest expense | — |  |  | — |  |  | — |  |  | — |  |  | 3,440 |  |  | 3,440 |
Interest income | — |  |  | (420) |  |  | (573) |  |  | (993) |  |  | (1,646) |  |  | (2,639) |
Equity in net income of unconsolidated affiliates | — |  |  | — |  |  | (1,153) |  |  | (1,153) |  |  | — |  |  | (1,153) |
Other (income) expense | — |  |  | (48) |  |  | 1 |  |  | (47) |  |  | (224) |  |  | (271) |
Segment contribution | $ | 47,540 |  |  | $ | 10,149 |  |  | $ | 1,729 |  |  | $ | 59,418 |  |  |  |  |
Income (loss) before income taxes |  |  |  |  |  |  | $ | 59,418 |  |  | $ | (21,713) |  |  | $ | 37,705 |
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 |  | Corporate Items |  | Total
As of December 31, 2024 |  |  |  |  |  |  |  |  |
Pawn loans | $ | 220,208 |  |  | $ | 54,616 |  |  | $ | — |  |  | $ | — |  |  | $ | 274,824 |
Pawn service charges receivable, net | 40,908 |  |  | 4,290 |  |  | — |  |  | — |  |  | 45,198 |
Inventory, net | 148,460 |  |  | 51,021 |  |  | — |  |  | — |  |  | 199,481 |
Total assets | 1,029,206 |  |  | 305,337 |  |  | 80,242 |  |  | 84,348 |  |  | 1,499,133 |
As of December 31, 2023 |  |  |  |  |  |  |  |  |
Pawn loans | $ | 190,766 |  |  | $ | 52,486 |  |  | $ | — |  |  | $ | — |  |  | $ | 243,252 |
Pawn service charges receivable, net | 35,707 |  |  | 4,295 |  |  | — |  |  | — |  |  | 40,002 |
Inventory, net | 127,008 |  |  | 37,919 |  |  | — |  |  | — |  |  | 164,927 |
Total assets | 1,004,075 |  |  | 323,209 |  |  | 78,419 |  |  | 75,490 |  |  | 1,481,193 |
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 |

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