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v3.25.4

Segment Information (Tables) | 3 Months Ended
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Dec. 31, 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.
|  | Three Months Ended December 31, 2025
(in thousands) |  | U.S. Pawn |  | Latin America Pawn |  | Other Investments |  | Total Segments |  | Corporate Items |  | Consolidated
Revenues: |  |  |  |  |  |  |  |  |  |  |  |
Merchandise sales |  | $ | 139,042 |  |  | $ | 71,105 |  |  | $ | — |  |  | $ | 210,147 |  |  | $ | — |  |  | $ | 210,147 |
Jewelry scrap sales |  | 35,514 |  |  | 4,394 |  |  | — |  |  | 39,908 |  |  | — |  |  | 39,908 |
Pawn service charges |  | 95,174 |  |  | 36,743 |  |  | — |  |  | 131,917 |  |  | — |  |  | 131,917 |
Other revenues |  | 30 |  |  | 17 |  |  | — |  |  | 47 |  |  | — |  |  | 47 |
Total revenues |  | 269,760 |  |  | 112,259 |  |  | — |  |  | 382,019 |  |  | — |  |  | 382,019 |
Merchandise cost of goods sold |  | 85,687 |  |  | 47,069 |  |  | — |  |  | 132,756 |  |  | — |  |  | 132,756 |
Jewelry scrap cost of goods sold |  | 23,364 |  |  | 2,933 |  |  | — |  |  | 26,297 |  |  | — |  |  | 26,297 |
Gross profit |  | 160,709 |  |  | 62,257 |  |  | — |  |  | 222,966 |  |  | — |  |  | 222,966 |
Segment and corporate expenses (income): |  |  |  |  |  |  |  |  |  |  |  |
Store expenses |  | 87,166 |  |  | 39,606 |  |  | — |  |  | 126,772 |  |  | — |  |  | 126,772 |
General and administrative |  | — |  |  | — |  |  | — |  |  | — |  |  | 26,743 |  |  | 26,743 |
Depreciation and amortization |  | 2,723 |  |  | 2,535 |  |  | — |  |  | 5,258 |  |  | 3,498 |  |  | 8,756 |
Loss on sale or disposal of assets and other |  | 87 |  |  | — |  |  | — |  |  | 87 |  |  | — |  |  | 87 |
Interest expense |  | — |  |  | — |  |  | — |  |  | — |  |  | 8,166 |  |  | 8,166 |
Interest income |  | — |  |  | — |  |  | (963) |  |  | (963) |  |  | (3,851) |  |  | (4,814) |
Equity in net (income) of unconsolidated affiliates |  | — |  |  | — |  |  | (1,823) |  |  | (1,823) |  |  | — |  |  | (1,823) |
Other (income) |  | — |  |  | (23) |  |  | — |  |  | (23) |  |  | (69) |  |  | (92) |
Segment contribution |  | $ | 70,733 |  |  | $ | 20,139 |  |  | $ | 2,786 |  |  | $ | 93,658 |  |  |  |  |
Income (loss) before income taxes |  |  |  |  |  |  |  | $ | 93,658 |  |  | $ | (34,487) |  |  | $ | 59,171 |
|  | 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 scrap 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 scrap 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 |  | 81,481 |  |  | 29,455 |  |  | — |  |  | 110,936 |  |  | — |  |  | 110,936 |
General and administrative |  | — |  |  | — |  |  | — |  |  | — |  |  | 24,184 |  |  | 24,184 |
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 |  | — |  |  | — |  |  | (594) |  |  | (594) |  |  | (1,499) |  |  | (2,093) |
Equity in net (income) loss of unconsolidated affiliates |  | — |  |  | — |  |  | (1,623) |  |  | (1,623) |  |  | 148 |  |  | (1,475) |
Other expense (income) |  | (11) |  |  | (71) |  |  | — |  |  | (82) |  |  | 1,060 |  |  | 978 |
Segment contribution |  | $ | 54,490 |  |  | $ | 15,289 |  |  | $ | 2,217 |  |  | $ | 71,996 |  |  |  |  |
Income (loss) before income taxes |  |  |  |  |  |  |  | $ | 71,996 |  |  | $ | (30,612) |  |  | $ | 41,384 |
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 December 31, 2025 |  |  |  |  |  |  |  |
U.S. Pawn |  | $ | 239,944 |  |  | $ | 190,902 |  |  | $ | — |  |  | $ | 430,846 |
Latin America Pawn |  | 74,409 |  |  | 62,544 |  |  | — |  |  | 136,953 |
Total segment assets |  |  |  |  |  |  |  | $ | 567,799 |
Other Investments * |  | — |  |  | — |  |  | 105,084 |  |  | 105,084 |
Total other assets |  |  |  |  |  |  |  | 1,314,597 |
Total consolidated assets |  |  |  |  |  |  |  | $ | 1,987,480 |
Assets as of December 31, 2024 |  |  |  |  |  |  |  |
U.S. Pawn |  | $ | 220,208 |  |  | $ | 148,460 |  |  | $ | — |  |  | $ | 368,668 |
Latin America Pawn |  | 54,616 |  |  | 51,021 |  |  | — |  |  | 105,637 |
Total segment assets |  |  |  |  |  |  |  | $ | 474,305 |
Other Investments * |  | — |  |  | — |  |  | 80,242 |  |  | 80,242 |
Total other assets |  |  |  |  |  |  |  | 944,586 |
Total consolidated assets |  |  |  |  |  |  |  | $ | 1,499,133 |
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 |
* The CODM does not review Other Investments assets when 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 7 for the investment value.

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