v3.26.1
Segment Information (Details)
$ in Thousands
3 Months Ended 6 Months Ended
Jun. 30, 2026
USD ($)
Jun. 30, 2025
USD ($)
Jun. 30, 2026
USD ($)
segment
Jun. 30, 2025
USD ($)
Dec. 31, 2025
USD ($)
Schedule of Revenues from External Customers [Line Items]          
Number of reportable segments | segment     4    
Revenue:          
Retail merchandise sales $ 471,263 $ 385,125 $ 936,097 $ 756,181  
Pawn loan fees 258,441 190,822 525,139 382,693  
Leased merchandise income 115,499 139,784 245,686 296,702  
Interest and fees on retail finance products 73,962 76,075 148,297 149,488  
Wholesale scrap jewelry sales 152,132 38,816 264,613 81,981  
Other revenue 3,391 0 6,507 0  
Total revenue 1,074,688 830,622 2,126,339 1,667,045  
Cost of revenue:          
Cost of retail merchandise sold 285,619 230,326 563,668 454,450  
Depreciation of leased merchandise 71,650 78,272 152,709 167,091  
Provision for lease losses 24,439 32,543 54,183 60,105  
Provision for loan losses 39,930 41,761 82,774 78,121  
Cost of wholesale scrap jewelry sold 119,069 34,904 195,796 70,259  
Other cost of revenue 312 0 1,158 0  
Total cost of revenue 541,019 417,806 1,050,288 830,026  
Net revenue 533,669 412,816 1,076,051 837,019  
Expenses and other income:          
Operating expenses 267,738 222,493 537,167 437,079  
Administrative expenses 66,825 59,263 132,603 107,786  
Depreciation and amortization 32,440 25,864 63,956 51,366  
Interest expense 35,702 26,337 70,230 53,808  
Interest income (417) (527) (644) (1,756)  
Loss (gain) on foreign exchange 1,738 (1,271) 636 (1,285)  
Merger and acquisition expenses 6,358 2,777 7,223 3,239  
Other income, net (3,717) (3,199) (7,250) (5,514)  
Total expenses and other income 406,667 331,737 803,921 644,723  
Income (loss) before income taxes 127,002 81,079 272,130 192,296  
Pawn loans 897,555 550,718 897,555 550,718 $ 831,497
Finance receivables, net 131,002 154,518 131,002 154,518 150,274
Inventories 570,493 355,733 570,493 355,733 487,232
Leased merchandise, net 84,569 100,689 84,569 100,689 114,283
Goodwill 2,030,563 1,826,184 2,030,563 1,826,184 2,023,426
Assets 5,485,573 4,514,249 5,485,573 4,514,249 $ 5,300,763
Corporate/ Intersegment Eliminations          
Revenue:          
Retail merchandise sales (196) (749) (877)    
Pawn loan fees 0 0 0    
Leased merchandise income 0 0 0    
Interest and fees on retail finance products 0 0 0    
Wholesale scrap jewelry sales 0 0 0    
Other revenue 0   0    
Total revenue (196) (749) (877)    
Cost of revenue:          
Cost of retail merchandise sold (104) (402) (456)    
Depreciation of leased merchandise (51) (257) (344)    
Provision for lease losses (77) (124) (264)    
Provision for loan losses 0 0 0    
Cost of wholesale scrap jewelry sold 0 0 0    
Other cost of revenue 0   0    
Total cost of revenue (232) (783) (1,064)    
Net revenue 36 34 187    
Expenses and other income:          
Operating expenses 0 0 0    
Administrative expenses 66,825 59,263 132,603    
Depreciation and amortization 16,285 12,780 32,353    
Interest expense 35,702 26,337 70,230    
Interest income (417) (527) (644)    
Loss (gain) on foreign exchange 1,738 (1,271) 636    
Merger and acquisition expenses 6,358 2,777 7,223    
Other income, net (3,717) (3,199) (7,250)    
Total expenses and other income 122,774 96,160 235,151    
Income (loss) before income taxes (122,738) (96,126) (234,964)    
Pawn loans 0 0 0 0  
Finance receivables, net 0 0 0 0  
Inventories 0 0 0 0  
Leased merchandise, net (10) (163) (10) (163)  
Goodwill 0 0 0 0  
Assets 220,378 143,971 220,378 143,971  
Pawn Segment | UNITED STATES | Operating Segments          
Revenue:          
Retail merchandise sales 275,676 249,918 559,505    
Pawn loan fees 150,062 130,948 307,870    
Leased merchandise income 0 0 0    
Interest and fees on retail finance products 0 0 0    
Wholesale scrap jewelry sales 72,334 28,740 119,703    
Other revenue 0   0    
Total revenue 498,072 409,606 987,078    
Cost of revenue:          
Cost of retail merchandise sold 156,453 143,149 315,409    
Depreciation of leased merchandise 0 0 0    
Provision for lease losses 0 0 0    
Provision for loan losses 0 0 0    
Cost of wholesale scrap jewelry sold 60,962 26,265 97,059    
Other cost of revenue 0   0    
Total cost of revenue 217,415 169,414 412,468    
Net revenue 280,657 240,192 574,610    
Expenses and other income:          
Operating expenses 142,367 133,815 286,224    
Administrative expenses 0 0 0    
Depreciation and amortization 9,074 8,091 17,770    
Interest expense 0 0 0    
Interest income 0 0 0    
Loss (gain) on foreign exchange 0 0 0    
Merger and acquisition expenses 0 0 0    
Other income, net 0 0 0    
Total expenses and other income 151,441 141,906 303,994    
Income (loss) before income taxes 129,216 98,286 270,616    
Pawn loans 481,850 400,143 481,850 400,143  
Finance receivables, net 0 0 0 0  
Inventories 324,120 252,885 324,120 252,885  
Leased merchandise, net 0 0 0 0  
Goodwill 1,251,683 1,154,790 1,251,683 1,154,790  
Assets 3,057,656 2,746,362 3,057,656 2,746,362  
Latin America Pawn Segment | Latin America | Operating Segments          
Revenue:          
Retail merchandise sales 174,316 135,956 334,157    
Pawn loan fees 79,572 59,874 156,218    
Leased merchandise income 0 0 0    
Interest and fees on retail finance products 0 0 0    
Wholesale scrap jewelry sales 38,154 10,076 58,786    
Other revenue 0   0    
Total revenue 292,042 205,906 549,161    
Cost of revenue:          
Cost of retail merchandise sold 113,763 87,579 217,829    
Depreciation of leased merchandise 0 0 0    
Provision for lease losses 0 0 0    
Provision for loan losses 0 0 0    
Cost of wholesale scrap jewelry sold 32,947 8,639 49,807    
Other cost of revenue 0   0    
Total cost of revenue 146,710 96,218 267,636    
Net revenue 145,332 109,688 281,525    
Expenses and other income:          
Operating expenses 82,181 64,414 162,908    
Administrative expenses 0 0 0    
Depreciation and amortization 5,002 4,294 9,587    
Interest expense 0 0 0    
Interest income 0 0 0    
Loss (gain) on foreign exchange 0 0 0    
Merger and acquisition expenses 0 0 0    
Other income, net 0 0 0    
Total expenses and other income 87,183 68,708 172,495    
Income (loss) before income taxes 58,149 40,980 109,030    
Pawn loans 198,347 150,575 198,347 150,575  
Finance receivables, net 0 0 0 0  
Inventories 161,013 102,848 161,013 102,848  
Leased merchandise, net 0 0 0 0  
Goodwill 153,557 185,189 153,557 185,189  
Assets 820,365 722,882 820,365 722,882  
U.K. Pawn | UNITED KINGDOM | Operating Segments          
Revenue:          
Retail merchandise sales 21,467 0 43,312    
Pawn loan fees 28,807 0 61,051    
Leased merchandise income 0 0 0    
Interest and fees on retail finance products 0 0 0    
Wholesale scrap jewelry sales 41,644 0 86,124    
Other revenue 3,391   6,507    
Total revenue 95,309 0 196,994    
Cost of revenue:          
Cost of retail merchandise sold 15,507 0 30,886    
Depreciation of leased merchandise 0 0 0    
Provision for lease losses 0 0 0    
Provision for loan losses 0 0 0    
Cost of wholesale scrap jewelry sold 25,160 0 48,930    
Other cost of revenue 312   1,158    
Total cost of revenue 40,979 0 80,974    
Net revenue 54,330 0 116,020    
Expenses and other income:          
Operating expenses 19,344 0 40,433    
Administrative expenses 0 0 0    
Depreciation and amortization 1,349 0 2,796    
Interest expense   0 0    
Interest income   0 0    
Loss (gain) on foreign exchange   0 0    
Merger and acquisition expenses   0 0    
Other income, net   0 0    
Total expenses and other income 20,693 0 43,229    
Income (loss) before income taxes 33,637 0 72,791    
Pawn loans 217,358 0 217,358 0  
Finance receivables, net 0 0 0 0  
Inventories 85,360 0 85,360 0  
Leased merchandise, net 0 0 0 0  
Goodwill 139,118 0 139,118 0  
Assets 587,911 0 587,911 0  
Retail POS Payment Solutions | UNITED STATES | Operating Segments          
Revenue:          
Retail merchandise sales 0 0 0    
Pawn loan fees 0 0 0    
Leased merchandise income 115,499 139,784 245,686    
Interest and fees on retail finance products 73,962 76,075 148,297    
Wholesale scrap jewelry sales 0 0 0    
Other revenue 0   0    
Total revenue 189,461 215,859 393,983    
Cost of revenue:          
Cost of retail merchandise sold 0 0 0    
Depreciation of leased merchandise 71,701 78,529 153,053    
Provision for lease losses 24,516 32,667 54,447    
Provision for loan losses 39,930 41,761 82,774    
Cost of wholesale scrap jewelry sold 0 0 0    
Other cost of revenue 0   0    
Total cost of revenue 136,147 152,957 290,274    
Net revenue 53,314 62,902 103,709    
Expenses and other income:          
Operating expenses 23,846 24,264 47,602    
Administrative expenses 0 0 0    
Depreciation and amortization 730 699 1,450    
Interest expense 0 0 0    
Interest income 0 0 0    
Loss (gain) on foreign exchange 0 0 0    
Merger and acquisition expenses 0 0 0    
Other income, net 0 0 0    
Total expenses and other income 24,576 24,963 49,052    
Income (loss) before income taxes 28,738 37,939 54,657    
Pawn loans 0 0 0 0  
Finance receivables, net 131,002 154,518 131,002 154,518  
Inventories 0 0 0 0  
Leased merchandise, net 84,579 100,852 84,579 100,852  
Goodwill 486,205 486,205 486,205 486,205  
Assets $ 799,263 $ 901,034 $ 799,263 $ 901,034