XML 45 R32.htm IDEA: XBRL DOCUMENT
v3.25.2

Segment Information (Tables) | 9 Months Ended
--- | ---
Jun. 30, 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 June 30, 2025
(in thousands) | U.S. Pawn |  | Latin America Pawn |  | Other Investments |  | Total Segments |  | Corporate Items |  | Consolidated
Revenues: |  |  |  |  |  |  |  |  |  |  |
Merchandise sales | $ | 112,249 |  |  | $ | 56,375 |  |  | $ | — |  |  | $ | 168,624 |  |  | $ | — |  |  | $ | 168,624 |
Jewelry scrapping sales | 23,750 |  |  | 3,220 |  |  | — |  |  | 26,970 |  |  | — |  |  | 26,970 |
Pawn service charges | 83,930 |  |  | 31,409 |  |  | — |  |  | 115,339 |  |  | — |  |  | 115,339 |
Other revenues | 31 |  |  | 17 |  |  | — |  |  | 48 |  |  | — |  |  | 48 |
Total revenues | 219,960 |  |  | 91,021 |  |  | — |  |  | 310,981 |  |  | — |  |  | 310,981 |
Merchandise cost of goods sold | 69,084 |  |  | 39,142 |  |  | — |  |  | 108,226 |  |  | — |  |  | 108,226 |
Jewelry scrapping cost of goods sold | 16,814 |  |  | 2,302 |  |  | — |  |  | 19,116 |  |  | — |  |  | 19,116 |
Gross profit | 134,062 |  |  | 49,577 |  |  | — |  |  | 183,639 |  |  | — |  |  | 183,639 |
Segment and corporate expenses (income): |  |  |  |  |  |  |  |  |  |  |
Store expenses | 83,778 |  |  | 35,345 |  |  | — |  |  | 119,123 |  |  | — |  |  | 119,123 |
General and administrative | — |  |  | — |  |  | — |  |  | — |  |  | 21,780 |  |  | 21,780 |
Depreciation and amortization | 2,651 |  |  | 2,156 |  |  | — |  |  | 4,807 |  |  | 3,196 |  |  | 8,003 |
Other operating income | — |  |  | — |  |  | — |  |  | — |  |  | (1,262) |  |  | (1,262) |
Interest expense | — |  |  | 71 |  |  | — |  |  | 71 |  |  | 8,387 |  |  | 8,458 |
Interest income | — |  |  | (427) |  |  | (604) |  |  | (1,031) |  |  | (4,409) |  |  | (5,440) |
Equity in net (income) loss of unconsolidated affiliates | — |  |  | — |  |  | (1,409) |  |  | (1,409) |  |  | 209 |  |  | (1,200) |
Other expense (income) | — |  |  | (12) |  |  | — |  |  | (12) |  |  | (524) |  |  | (536) |
Segment contribution | $ | 47,633 |  |  | $ | 12,444 |  |  | $ | 2,013 |  |  | $ | 62,090 |  |  |  |  |
Income (loss) before income taxes |  |  |  |  |  |  | $ | 62,090 |  |  | $ | (27,377) |  |  | $ | 34,713 |
| Three Months Ended June 30, 2024
(in thousands) | U.S. Pawn |  | Latin America Pawn |  | Other Investments |  | Total Segments |  | Corporate Items |  | Consolidated
Revenues: |  |  |  |  |  |  |  |  |  |  |
Merchandise sales | $ | 107,849 |  |  | $ | 50,291 |  |  | $ | — |  |  | $ | 158,140 |  |  | $ | — |  |  | $ | 158,140 |
Jewelry scrapping sales | 13,757 |  |  | 1,638 |  |  | — |  |  | 15,395 |  |  | — |  |  | 15,395 |
Pawn service charges | 77,416 |  |  | 30,414 |  |  | — |  |  | 107,830 |  |  | — |  |  | 107,830 |
Other revenues | 28 |  |  | 28 |  |  | — |  |  | 56 |  |  | — |  |  | 56 |
Total revenues | 199,050 |  |  | 82,371 |  |  | — |  |  | 281,421 |  |  | — |  |  | 281,421 |
Merchandise cost of goods sold | 67,229 |  |  | 33,982 |  |  | — |  |  | 101,211 |  |  | — |  |  | 101,211 |
Jewelry scrapping cost of goods sold | 11,887 |  |  | 1,596 |  |  | — |  |  | 13,483 |  |  | — |  |  | 13,483 |
Gross profit | 119,934 |  |  | 46,793 |  |  | — |  |  | 166,727 |  |  | — |  |  | 166,727 |
Segment and corporate expenses (income): |  |  |  |  |  |  |  |  |  |  |
Store expenses | 81,441 |  |  | 34,894 |  |  | — |  |  | 116,335 |  |  | — |  |  | 116,335 |
General and administrative | — |  |  | — |  |  | — |  |  | — |  |  | 20,060 |  |  | 20,060 |
Depreciation and amortization | 2,408 |  |  | 2,090 |  |  | — |  |  | 4,498 |  |  | 3,660 |  |  | 8,158 |
(Gain) loss on sale or disposal of assets and other | (2) |  |  | 22 |  |  | — |  |  | 20 |  |  | — |  |  | 20 |
Interest expense | — |  |  | — |  |  | — |  |  | — |  |  | 3,539 |  |  | 3,539 |
Interest income | — |  |  | (370) |  |  | (605) |  |  | (975) |  |  | (1,956) |  |  | (2,931) |
Equity in net (income) loss of unconsolidated affiliates | — |  |  | — |  |  | (1,406) |  |  | (1,406) |  |  | 143 |  |  | (1,263) |
Other (income) expense | — |  |  | (184) |  |  | 12 |  |  | (172) |  |  | (19) |  |  | (191) |
Segment contribution | $ | 36,087 |  |  | $ | 10,341 |  |  | $ | 1,999 |  |  | $ | 48,427 |  |  |  |  |
Income (loss) before income taxes |  |  |  |  |  |  | $ | 48,427 |  |  | $ | (25,427) |  |  | $ | 23,000 |
| Nine Months Ended June 30, 2025
(in thousands) | U.S. Pawn |  | Latin America Pawn |  | Other Investments |  | Total Segments |  | Corporate Items |  | Consolidated
Revenues: |  |  |  |  |  |  |  |  |  |  |
Merchandise sales | $ | 357,964 |  |  | $ | 166,470 |  |  | $ | — |  |  | $ | 524,434 |  |  | $ | — |  |  | $ | 524,434 |
Jewelry scrapping sales | 56,146 |  |  | 8,494 |  |  | — |  |  | 64,640 |  |  | — |  |  | 64,640 |
Pawn service charges | 259,354 |  |  | 88,908 |  |  | — |  |  | 348,262 |  |  | — |  |  | 348,262 |
Other revenues | 82 |  |  | 49 |  |  | — |  |  | 131 |  |  | — |  |  | 131 |
Total revenues | 673,546 |  |  | 263,921 |  |  | — |  |  | 937,467 |  |  | — |  |  | 937,467 |
Merchandise cost of goods sold | 225,412 |  |  | 116,193 |  |  | — |  |  | 341,605 |  |  | — |  |  | 341,605 |
Jewelry scrapping cost of goods sold | 42,017 |  |  | 6,350 |  |  | — |  |  | 48,367 |  |  | — |  |  | 48,367 |
Gross profit | 406,117 |  |  | 141,378 |  |  | — |  |  | 547,495 |  |  | — |  |  | 547,495 |
Segment and corporate expenses (income): |  |  |  |  |  |  |  |  |  |  |
Store expenses | 250,399 |  |  | 101,702 |  |  | — |  |  | 352,101 |  |  | — |  |  | 352,101 |
General and administrative | — |  |  | — |  |  | — |  |  | — |  |  | 60,089 |  |  | 60,089 |
Depreciation and amortization | 8,050 |  |  | 6,191 |  |  | — |  |  | 14,241 |  |  | 10,117 |  |  | 24,358 |
Loss on sale or disposal of assets and other | 17 |  |  | 8 |  |  | — |  |  | 25 |  |  | — |  |  | 25 |
Other operating income | — |  |  | — |  |  | — |  |  | — |  |  | (1,262) |  |  | (1,262) |
Interest expense | — |  |  | 71 |  |  | — |  |  | 71 |  |  | 14,815 |  |  | 14,886 |
Interest income | — |  |  | (966) |  |  | (1,803) |  |  | (2,769) |  |  | (6,639) |  |  | (9,408) |
Equity in net (income) loss of unconsolidated affiliates | — |  |  | — |  |  | (4,898) |  |  | (4,898) |  |  | 718 |  |  | (4,180) |
Other expense (income) | (7) |  |  | (220) |  |  | — |  |  | (227) |  |  | 604 |  |  | 377 |
Segment contribution | $ | 147,658 |  |  | $ | 34,592 |  |  | $ | 6,701 |  |  | $ | 188,951 |  |  |  |  |
Income (loss) before income taxes |  |  |  |  |  |  | $ | 188,951 |  |  | $ | (78,442) |  |  | $ | 110,509 |
| Nine Months Ended June 30, 2024
(in thousands) | U.S. Pawn |  | Latin America Pawn |  | Other Investments |  | Total Segments |  | Corporate Items |  | Consolidated
Revenues: |  |  |  |  |  |  |  |  |  |  |
Merchandise sales | $ | 348,211 |  |  | $ | 154,019 |  |  | $ | — |  |  | $ | 502,230 |  |  | $ | — |  |  | $ | 502,230 |
Jewelry scrapping sales | 39,258 |  |  | 3,933 |  |  | — |  |  | 43,191 |  |  | — |  |  | 43,191 |
Pawn service charges | 236,499 |  |  | 84,943 |  |  | — |  |  | 321,442 |  |  | — |  |  | 321,442 |
Other revenues | 94 |  |  | 59 |  |  | 35 |  |  | 188 |  |  | — |  |  | 188 |
Total revenues | 624,062 |  |  | 242,954 |  |  | 35 |  |  | 867,051 |  |  | — |  |  | 867,051 |
Merchandise cost of goods sold | 218,736 |  |  | 103,944 |  |  | — |  |  | 322,680 |  |  | — |  |  | 322,680 |
Jewelry scrapping cost of goods sold | 33,965 |  |  | 3,514 |  |  | — |  |  | 37,479 |  |  | — |  |  | 37,479 |
Gross profit | 371,361 |  |  | 135,496 |  |  | 35 |  |  | 506,892 |  |  | — |  |  | 506,892 |
Segment and corporate expenses (income): |  |  |  |  |  |  |  |  |  |  |
Store expenses | 239,536 |  |  | 101,936 |  |  | — |  |  | 341,472 |  |  | — |  |  | 341,472 |
General and administrative | — |  |  | — |  |  | — |  |  | — |  |  | 54,869 |  |  | 54,869 |
Depreciation and amortization | 7,548 |  |  | 6,821 |  |  | — |  |  | 14,369 |  |  | 10,573 |  |  | 24,942 |
(Gain) loss on sale or disposal of assets and other | (6) |  |  | (240) |  |  | — |  |  | (246) |  |  | 97 |  |  | (149) |
Other operating income | — |  |  | — |  |  | — |  |  | — |  |  | (765) |  |  | (765) |
Interest expense | — |  |  | — |  |  | — |  |  | — |  |  | 10,381 |  |  | 10,381 |
Interest income | — |  |  | (1,398) |  |  | (1,811) |  |  | (3,209) |  |  | (5,243) |  |  | (8,452) |
Equity in net (income) loss of unconsolidated affiliates | — |  |  | — |  |  | (4,278) |  |  | (4,278) |  |  | 143 |  |  | (4,135) |
Other (income) expense | — |  |  | (231) |  |  | 27 |  |  | (204) |  |  | (423) |  |  | (627) |
Segment contribution | $ | 124,283 |  |  | $ | 28,608 |  |  | $ | 6,097 |  |  | $ | 158,988 |  |  |  |  |
Income (loss) before income taxes |  |  |  |  |  |  | $ | 158,988 |  |  | $ | (69,632) |  |  | $ | 89,356 |
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 June 30, 2025 |  |  |  |  |  |  |  |  |
Pawn loans | $ | 221,059 |  |  | $ | 70,575 |  |  | $ | — |  |  | $ | — |  |  | $ | 291,634 |
Pawn service charges receivable, net | 39,132 |  |  | 6,278 |  |  | — |  |  | — |  |  | 45,410 |
Inventory, net | 166,374 |  |  | 59,115 |  |  | — |  |  | — |  |  | 225,489 |
Total assets | 1,348,466 |  |  | 367,625 |  |  | 81,649 |  |  | 85,328 |  |  | 1,883,068 |
As of June 30, 2024 |  |  |  |  |  |  |  |  |
Pawn loans | $ | 199,277 |  |  | $ | 62,443 |  |  | $ | — |  |  | $ | — |  |  | $ | 261,720 |
Pawn service charges receivable, net | 35,489 |  |  | 5,149 |  |  | — |  |  | — |  |  | 40,638 |
Inventory, net | 121,941 |  |  | 49,996 |  |  | — |  |  | — |  |  | 171,937 |
Total assets | 1,030,571 |  |  | 317,888 |  |  | 78,136 |  |  | 83,568 |  |  | 1,510,163 |
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 |

X
- Definition Tabular disclosure of all significant reconciling items in the reconciliation of total assets from reportable segments to the entity's consolidated assets. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 31 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482810/280-10-50-31 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 30 -Subparagraph (c) -Publisher FASB -URI https://asc.fasb.org/1943274/2147482810/280-10-50-30 + Details
Name: | us-gaap_ReconciliationOfAssetsFromSegmentToConsolidatedTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of the profit or loss and total assets for each reportable segment. An entity discloses certain information on each reportable segment if the amounts (a) are included in the measure of segment profit or loss reviewed by the chief operating decision maker or (b) are otherwise regularly provided to the chief operating decision maker, even if not included in that measure of segment profit or loss. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 25 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482810/280-10-50-25 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 22 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482810/280-10-50-22 Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 30 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482810/280-10-50-30 + Details
Name: | us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- References No definition available. + Details
Name: | us-gaap_SegmentReportingAbstract
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration