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v3.25.1

Segment Information (Tables) | 6 Months Ended
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Mar. 31, 2025
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 March 31, 2025
(in thousands) | U.S. Pawn |  | Latin America Pawn |  | Other Investments |  | Total Segments |  | Corporate Items |  | Consolidated
Revenues: |  |  |  |  |  |  |  |  |  |  |
Merchandise sales | $ | 116,915 |  |  | $ | 52,552 |  |  | $ | — |  |  | $ | 169,467 |  |  | $ | — |  |  | $ | 169,467 |
Jewelry scrapping sales | 16,898 |  |  | 4,040 |  |  | — |  |  | 20,938 |  |  | — |  |  | 20,938 |
Pawn service charges | 87,548 |  |  | 28,323 |  |  | — |  |  | 115,871 |  |  | — |  |  | 115,871 |
Other revenues | 24 |  |  | 16 |  |  | — |  |  | 40 |  |  | — |  |  | 40 |
Total revenues | 221,385 |  |  | 84,931 |  |  | — |  |  | 306,316 |  |  | — |  |  | 306,316 |
Merchandise cost of goods sold | 74,772 |  |  | 36,783 |  |  | — |  |  | 111,555 |  |  | — |  |  | 111,555 |
Jewelry scrapping cost of goods sold | 13,235 |  |  | 3,074 |  |  | — |  |  | 16,309 |  |  | — |  |  | 16,309 |
Gross profit | 133,378 |  |  | 45,074 |  |  | — |  |  | 178,452 |  |  | — |  |  | 178,452 |
Segment and corporate expenses (income): |  |  |  |  |  |  |  |  |  |  |
Store expenses | 83,532 |  |  | 32,995 |  |  | — |  |  | 116,527 |  |  | — |  |  | 116,527 |
General and administrative | — |  |  | — |  |  | — |  |  | — |  |  | 19,640 |  |  | 19,640 |
Depreciation and amortization | 2,682 |  |  | 1,989 |  |  | — |  |  | 4,671 |  |  | 3,349 |  |  | 8,020 |
Loss on sale or disposal of assets and other | 17 |  |  | — |  |  | — |  |  | 17 |  |  | — |  |  | 17 |
Interest expense | — |  |  | — |  |  | — |  |  | — |  |  | 3,281 |  |  | 3,281 |
Interest income | — |  |  | (337) |  |  | (605) |  |  | (942) |  |  | (933) |  |  | (1,875) |
Equity in net (income) loss of unconsolidated affiliates | — |  |  | — |  |  | (1,866) |  |  | (1,866) |  |  | 361 |  |  | (1,505) |
Other expense (income) | 4 |  |  | (137) |  |  | — |  |  | (133) |  |  | 68 |  |  | (65) |
Segment contribution | $ | 47,143 |  |  | $ | 10,564 |  |  | $ | 2,471 |  |  | $ | 60,178 |  |  |  |  |
Income (loss) before income taxes |  |  |  |  |  |  | $ | 60,178 |  |  | $ | (25,766) |  |  | $ | 34,412 |
| Three Months Ended March 31, 2024
(in thousands) | U.S. Pawn |  | Latin America Pawn |  | Other Investments |  | Total Segments |  | Corporate Items |  | Consolidated
Revenues: |  |  |  |  |  |  |  |  |  |  |
Merchandise sales | $ | 114,849 |  |  | $ | 49,838 |  |  | $ | — |  |  | $ | 164,687 |  |  | $ | — |  |  | $ | 164,687 |
Jewelry scrapping sales | 12,686 |  |  | 1,028 |  |  | — |  |  | 13,714 |  |  | — |  |  | 13,714 |
Pawn service charges | 80,010 |  |  | 27,153 |  |  | — |  |  | 107,163 |  |  | — |  |  | 107,163 |
Other revenues | 29 |  |  | 15 |  |  | 31 |  |  | 75 |  |  | — |  |  | 75 |
Total revenues | 207,574 |  |  | 78,034 |  |  | 31 |  |  | 285,639 |  |  | — |  |  | 285,639 |
Merchandise cost of goods sold | 72,798 |  |  | 33,461 |  |  | — |  |  | 106,259 |  |  | — |  |  | 106,259 |
Jewelry scrapping cost of goods sold | 10,794 |  |  | 994 |  |  | — |  |  | 11,788 |  |  | — |  |  | 11,788 |
Gross profit | 123,982 |  |  | 43,579 |  |  | 31 |  |  | 167,592 |  |  | — |  |  | 167,592 |
Segment and corporate expenses (income): |  |  |  |  |  |  |  |  |  |  |
Store expenses | 80,840 |  |  | 33,742 |  |  | — |  |  | 114,582 |  |  | — |  |  | 114,582 |
General and administrative | — |  |  | — |  |  | — |  |  | — |  |  | 18,266 |  |  | 18,266 |
Depreciation and amortization | 2,516 |  |  | 2,392 |  |  | — |  |  | 4,908 |  |  | 3,311 |  |  | 8,219 |
(Gain) loss on sale or disposal of assets and other | (30) |  |  | (66) |  |  | — |  |  | (96) |  |  | 99 |  |  | 3 |
Other income | — |  |  | — |  |  | — |  |  | — |  |  | (765) |  |  | (765) |
Interest expense | — |  |  | — |  |  | — |  |  | — |  |  | 3,402 |  |  | 3,402 |
Interest income | — |  |  | (608) |  |  | (633) |  |  | (1,241) |  |  | (1,641) |  |  | (2,882) |
Equity in net income of unconsolidated affiliates | — |  |  | — |  |  | (1,719) |  |  | (1,719) |  |  | — |  |  | (1,719) |
Other expense (income) | — |  |  | 1 |  |  | 14 |  |  | 15 |  |  | (180) |  |  | (165) |
Segment contribution | $ | 40,656 |  |  | $ | 8,118 |  |  | $ | 2,369 |  |  | $ | 51,143 |  |  |  |  |
Income (loss) before income taxes |  |  |  |  |  |  | $ | 51,143 |  |  | $ | (22,492) |  |  | $ | 28,651 |
| Six Months Ended March 31, 2025
(in thousands) | U.S. Pawn |  | Latin America Pawn |  | Other Investments |  | Total Segments |  | Corporate Items |  | Consolidated
Revenues: |  |  |  |  |  |  |  |  |  |  |
Merchandise sales | $ | 245,715 |  |  | $ | 110,095 |  |  | $ | — |  |  | $ | 355,810 |  |  | $ | — |  |  | $ | 355,810 |
Jewelry scrapping sales | 32,396 |  |  | 5,274 |  |  | — |  |  | 37,670 |  |  | — |  |  | 37,670 |
Pawn service charges | 175,424 |  |  | 57,499 |  |  | — |  |  | 232,923 |  |  | — |  |  | 232,923 |
Other revenues | 51 |  |  | 32 |  |  | — |  |  | 83 |  |  | — |  |  | 83 |
Total revenues | 453,586 |  |  | 172,900 |  |  | — |  |  | 626,486 |  |  | — |  |  | 626,486 |
Merchandise cost of goods sold | 156,328 |  |  | 77,051 |  |  | — |  |  | 233,379 |  |  | — |  |  | 233,379 |
Jewelry scrapping cost of goods sold | 25,203 |  |  | 4,048 |  |  | — |  |  | 29,251 |  |  | — |  |  | 29,251 |
Gross profit | 272,055 |  |  | 91,801 |  |  | — |  |  | 363,856 |  |  | — |  |  | 363,856 |
Segment and corporate expenses (income): |  |  |  |  |  |  |  |  |  |  |
Store expenses | 166,621 |  |  | 66,357 |  |  | — |  |  | 232,978 |  |  | — |  |  | 232,978 |
General and administrative | — |  |  | — |  |  | — |  |  | — |  |  | 38,309 |  |  | 38,309 |
Depreciation and amortization | 5,399 |  |  | 4,035 |  |  | — |  |  | 9,434 |  |  | 6,921 |  |  | 16,355 |
Loss on sale or disposal of assets and other | 17 |  |  | 8 |  |  | — |  |  | 25 |  |  | — |  |  | 25 |
Interest expense | — |  |  | — |  |  | — |  |  | — |  |  | 6,428 |  |  | 6,428 |
Interest income | — |  |  | (539) |  |  | (1,199) |  |  | (1,738) |  |  | (2,230) |  |  | (3,968) |
Equity in net (income) loss of unconsolidated affiliates | — |  |  | — |  |  | (3,489) |  |  | (3,489) |  |  | 509 |  |  | (2,980) |
Other (income) loss | (7) |  |  | (208) |  |  | — |  |  | (215) |  |  | 1,128 |  |  | 913 |
Segment contribution | $ | 100,025 |  |  | $ | 22,148 |  |  | $ | 4,688 |  |  | $ | 126,861 |  |  |  |  |
Income (loss) before income taxes |  |  |  |  |  |  | $ | 126,861 |  |  | $ | (51,065) |  |  | $ | 75,796 |
| Six Months Ended March 31, 2024
(in thousands) | U.S. Pawn |  | Latin America Pawn |  | Other Investments |  | Total Segments |  | Corporate Items |  | Consolidated
Revenues: |  |  |  |  |  |  |  |  |  |  |
Merchandise sales | $ | 240,362 |  |  | $ | 103,728 |  |  | $ | — |  |  | $ | 344,090 |  |  | $ | — |  |  | $ | 344,090 |
Jewelry scrapping sales | 25,501 |  |  | 2,295 |  |  | — |  |  | 27,796 |  |  | — |  |  | 27,796 |
Pawn service charges | 159,083 |  |  | 54,529 |  |  | — |  |  | 213,612 |  |  | — |  |  | 213,612 |
Other revenues | 66 |  |  | 31 |  |  | 35 |  |  | 132 |  |  | — |  |  | 132 |
Total revenues | 425,012 |  |  | 160,583 |  |  | 35 |  |  | 585,630 |  |  | — |  |  | 585,630 |
Merchandise cost of goods sold | 151,507 |  |  | 69,962 |  |  | — |  |  | 221,469 |  |  | — |  |  | 221,469 |
Jewelry scrapping cost of goods sold | 22,078 |  |  | 1,918 |  |  | — |  |  | 23,996 |  |  | — |  |  | 23,996 |
Gross profit | 251,427 |  |  | 88,703 |  |  | 35 |  |  | 340,165 |  |  | — |  |  | 340,165 |
Segment and corporate expenses (income): |  |  |  |  |  |  |  |  |  |  |
Store expenses | 158,095 |  |  | 67,042 |  |  | — |  |  | 225,137 |  |  | — |  |  | 225,137 |
General and administrative | — |  |  | — |  |  | — |  |  | — |  |  | 34,809 |  |  | 34,809 |
Depreciation and amortization | 5,140 |  |  | 4,731 |  |  | — |  |  | 9,871 |  |  | 6,913 |  |  | 16,784 |
(Gain) loss on sale or disposal of assets and other | (4) |  |  | (262) |  |  | — |  |  | (266) |  |  | 97 |  |  | (169) |
Other income | — |  |  | — |  |  | — |  |  | — |  |  | (765) |  |  | (765) |
Interest expense | — |  |  | — |  |  | — |  |  | — |  |  | 6,842 |  |  | 6,842 |
Interest income | — |  |  | (1,028) |  |  | (1,206) |  |  | (2,234) |  |  | (3,287) |  |  | (5,521) |
Equity in net income of unconsolidated affiliates | — |  |  | — |  |  | (2,872) |  |  | (2,872) |  |  | — |  |  | (2,872) |
Other (income) expense | — |  |  | (47) |  |  | 15 |  |  | (32) |  |  | (404) |  |  | (436) |
Segment contribution | $ | 88,196 |  |  | $ | 18,267 |  |  | $ | 4,098 |  |  | $ | 110,561 |  |  |  |  |
Income (loss) before income taxes |  |  |  |  |  |  | $ | 110,561 |  |  | $ | (44,205) |  |  | $ | 66,356 |
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 March 31, 2025 |  |  |  |  |  |  |  |  |
Pawn loans | $ | 199,418 |  |  | $ | 62,412 |  |  | $ | — |  |  | $ | — |  |  | $ | 261,830 |
Pawn service charges receivable, net | 37,345 |  |  | 4,978 |  |  | — |  |  | — |  |  | 42,323 |
Inventory, net | 156,816 |  |  | 50,967 |  |  | — |  |  | — |  |  | 207,783 |
Total assets | 1,346,150 |  |  | 318,833 |  |  | 81,258 |  |  | 83,387 |  |  | 1,829,628 |
As of March 31, 2024 |  |  |  |  |  |  |  |  |
Pawn loans | $ | 173,744 |  |  | $ | 62,029 |  |  | $ | — |  |  | $ | — |  |  | $ | 235,773 |
Pawn service charges receivable, net | 33,218 |  |  | 5,050 |  |  | — |  |  | — |  |  | 38,268 |
Inventory, net | 121,863 |  |  | 41,566 |  |  | — |  |  | — |  |  | 163,429 |
Total assets | 1,003,447 |  |  | 330,256 |  |  | 81,238 |  |  | 93,201 |  |  | 1,508,142 |
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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