
	Three Months Ended October 31, 2022						Three Months Ended October 31, 2021
(in thousands)	Retail		Credit		Total		Retail		Credit		Total
Revenues:
Furniture and mattress	$	79,927	$	—	$	79,927	$	106,756	$	—	$	106,756
Home appliance	102,884		—		102,884		128,385		—		128,385
Consumer electronics	31,911		—		31,911		46,751		—		46,751
Home office	8,630		—		8,630		17,373		—		17,373
Other	9,824		—		9,824		9,036		—		9,036
Product sales	233,176		—		233,176		308,301		—		308,301
Repair service agreement commissions	18,804		—		18,804		23,769		—		23,769
Service revenues	2,378		—		2,378		2,513		—		2,513
Total net sales	254,358		—		254,358		334,583		—		334,583
Finance charges and other revenues	270		66,572		66,842		262		70,613		70,875
Total revenues	254,628		66,572		321,200		334,845		70,613		405,458
Costs and expenses:
Cost of goods sold	169,842		—		169,842		211,298		—		211,298
Selling, general and administrative expense (1)	94,240		32,003		126,243		100,969		37,112		138,081
Provision for bad debts	261		34,843		35,104		36		26,496		26,532
Charges and credits	8,006		—		8,006		—		—		—
Total costs and expenses	272,349		66,846		339,195		312,303		63,608		375,911
Operating income (loss)	(17,721)		(274)		(17,995)		22,542		7,005		29,547
Interest expense	—		11,478		11,478		—		5,206		5,206
Income (loss) before income taxes	$	(17,721)	$	(11,752)	$	(29,473)	$	22,542	$	1,799	$	24,341


	Nine Months Ended October 31, 2022						Nine Months Ended October 31, 2021
(in thousands)	Retail		Credit		Total		Retail		Credit		Total
Revenues:
Furniture and mattress	$	254,341	$	—	$	254,341	$	310,505	$	—	$	310,505
Home appliance	333,359		—		333,359		377,090		—		377,090
Consumer electronics	97,375		—		97,375		133,202		—		133,202
Home office	27,676		—		27,676		49,881		—		49,881
Other	25,847		—		25,847		27,079		—		27,079
Product sales	738,598		—		738,598		897,757		—		897,757
Repair service agreement commissions	60,256		—		60,256		66,600		—		66,600
Service revenues	7,279		—		7,279		8,307		—		8,307
Total net sales	806,133		—		806,133		972,664		—		972,664
Finance charges and other revenues	815		200,704		201,519		695		214,184		214,879
Total revenues	806,948		200,704		1,007,652		973,359		214,184		1,187,543
Costs and expenses:
Cost of goods sold	530,942		—		530,942		612,219		—		612,219
Selling, general and administrative expense (1)	288,306		100,863		389,169		294,019		107,981		402,000
Provision (benefit) for bad debts	848		76,211		77,059		196		19,462		19,658
Charges and credits	6,522		—		6,522		—		—		—
Total costs and expenses	826,618		177,074		1,003,692		906,434		127,443		1,033,877
Operating income (loss)	(19,670)		23,630		3,960		66,925		86,741		153,666
Interest expense	—		23,807		23,807		—		20,498		20,498
Loss on extinguishment of debt	—		—		—		—		1,218		1,218
Income (loss) before income taxes	$	(19,670)	$	(177)	$	(19,847)	$	66,925	$	65,025	$	131,950
	October 31, 2022						October 31, 2021
(in thousands)	Retail		Credit		Total		Retail		Credit		Total
Total assets	$	594,302	$	1,142,830	$	1,737,132	$	707,402	$	1,079,177	$	1,786,579

(1)For the three months ended October 31, 2022 and 2021, the amount of corporate overhead allocated to each segment reflected in SG&A expense was $7.4 million and $11.1 million, respectively. For the three months ended October 31, 2022 and 2021, the amount of reimbursement made to the retail segment by the credit segment was $6.5 million and $7.0 million, respectively. For the nine months ended October 31, 2022 and 2021, the amount of corporate overhead allocated to each segment reflected in SG&A was $23.6 million and $30.0 million, respectively. For the nine months ended October 31, 2022 and 2021, the amount of reimbursement made to the retail segment by the credit segment was $19.9 million and $21.2 million, respectively.