Segment Information (Tables)

9 Months Ended

Jun. 30, 2025

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