Segment Information (Tables)

9 Months Ended

Jun. 30, 2026

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 June 30, 2026
(in thousands)	U.S. Pawn		Latin America Pawn		SMG		Total Segments		Corporate Items		Consolidated

Revenues:
Merchandise sales	$	118,762	$	73,776	$	17,117	$	209,655	$	—	$	209,655
Jewelry scrap sales	37,231		7,670		11,674		56,575		—		56,575
Pawn service charges	95,209		42,949		14,317		152,475		—		152,475
Other revenues	29		14		—		43		—		43
Total revenues	251,231		124,409		43,108		418,748		—		418,748
Merchandise cost of goods sold	71,530		47,477		11,748		130,755		—		130,755
Jewelry scrap cost of goods sold	27,183		5,701		8,922		41,806		—		41,806
Gross profit	152,518		71,231		22,438		246,187		—		246,187
Segment and corporate expenses (income):
Store expenses	88,034		43,633		16,026		147,693		—		147,693
General and administrative	—		—		—		—		33,999		33,999

Depreciation and amortization	2,837		2,891		635		6,363		3,287		9,650
Loss on sale or disposal of assets and other	4		21		—		25		—		25

Interest expense	—		—		—		—		8,353		8,353
Interest income	—		—		—		—		(2,786)		(2,786)
Equity in net income of unconsolidated affiliates	—		—		—		—		(1,895)		(1,895)
Other (income) expense	—		(123)		(157)		(280)		(581)		(861)
Segment contribution	$	61,643	$	24,809	$	5,934	$	92,386
Income (loss) before income taxes							$	92,386	$	(40,377)	$	52,009


	Three Months Ended June 30, 2025
(in thousands)	U.S. Pawn		Latin America Pawn		Total Segments		Corporate Items		Consolidated

Revenues:
Merchandise sales	$	112,249	$	56,375	$	168,624	$	—	$	168,624
Jewelry scrap 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 scrap 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	81,843		31,539		113,382		—		113,382
General and administrative	—		—		—		27,521		27,521
Depreciation and amortization	2,651		2,156		4,807		3,196		8,003
Other operating income	—		—		—		(1,262)		(1,262)

Interest expense	—		—		—		8,458		8,458
Interest income (a)	—		—		—		(5,440)		(5,440)
Equity in net income of unconsolidated affiliates (b)	—		—		—		(1,200)		(1,200)
Other (income) expense	—		(12)		(12)		(524)		(536)
Segment contribution	$	49,568	$	15,894	$	65,462
Income (loss) before income taxes					$	65,462	$	(30,749)	$	34,713


(a)			Interest income includes $0.6 million of interest income from notes receivable from Founders, which has been recast from the "Other Investments" segment to Corporate to conform to the current period presentation.
(b)			Equity in net income of unconsolidated affiliates includes $1.4 million of equity income from CCV, which has been recast from the "Other Investments" segment to Corporate to conform to the current period presentation.


	Nine Months Ended June 30, 2026
(in thousands)	U.S. Pawn		Latin America Pawn		SMG		Total Segments		Corporate Items		Consolidated

Revenues:
Merchandise sales	$	385,688	$	213,643	$	34,936	$	634,267	$	—	$	634,267
Jewelry scrap sales	128,236		18,704		30,784		177,724		—		177,724
Pawn service charges	289,153		117,668		28,699		435,520		—		435,520
Other revenues	90		47		—		137		—		137
Total revenues	803,167		350,062		94,419		1,247,648		—		1,247,648
Merchandise cost of goods sold	236,864		139,773		23,662		400,299		—		400,299
Jewelry scrap cost of goods sold	83,205		12,771		22,182		118,158		—		118,158
Gross profit	483,098		197,518		48,575		729,191		—		729,191
Segment and corporate expenses (income):
Store expenses	264,182		125,762		32,640		422,584		—		422,584
General and administrative	—		—		—		—		95,230		95,230

Depreciation and amortization	8,369		8,159		1,309		17,837		10,157		27,994
Loss on sale or disposal of assets and other	91		21		—		112		—		112

Interest expense	—		—		—		—		24,873		24,873
Interest income (c)	—		—		—		—		(10,187)		(10,187)
Equity in net income of unconsolidated affiliates (d)	—		—		—		—		(4,884)		(4,884)
Other (income) expense	—		(489)		(119)		(608)		(2,589)		(3,197)
Segment contribution	$	210,456	$	64,065	$	14,745	$	289,266
Income (loss) before income taxes							$	289,266	$	(112,600)	$	176,666


(c)			Interest income includes $1.0 million of interest income from notes receivable from Founders recorded in the first quarter of fiscal 2026, which has been recast from the "Other Investments" segment to Corporate to conform to the current period presentation.
(d)			Equity in net income of unconsolidated affiliates includes $1.8 million of equity income from CCV recorded in the first quarter of fiscal 2026, which has been recast from the "Other Investments" segment to Corporate to conform to the current period presentation.


	Nine Months Ended June 30, 2025
(in thousands)	U.S. Pawn		Latin America Pawn		Total Segments		Corporate Items		Consolidated

Revenues:
Merchandise sales	$	357,964	$	166,470	$	524,434	$	—	$	524,434
Jewelry scrap 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 scrap 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	245,042		90,343		335,385		—		335,385
General and administrative	—		—		—		76,805		76,805
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	—		—		—		14,886		14,886
Interest income (e)	—		—		—		(9,408)		(9,408)
Equity in net income of unconsolidated affiliates (f)	—		—		—		(4,180)		(4,180)
Other (income) expense	(7)		(220)		(227)		604		377
Segment contribution	$	153,015	$	45,056	$	198,071
Income (loss) before income taxes					$	198,071	$	(87,562)	$	110,509


(e)			Interest income includes $1.8 million of interest income from notes receivable from Founders, which has been recast from the "Other Investments" segment to Corporate to conform to the current period presentation.
(f)			Equity in net income of unconsolidated affiliates includes $4.9 million of equity income from CCV, which has been recast from the "Other Investments" segment to Corporate to conform to the current period presentation.

The following table presents separately identified segment assets:


(in thousands)	Pawn Loans		Inventory		Total

Assets as of June 30, 2026
U.S. Pawn	$	254,525	$	212,181	$	466,706
Latin America Pawn	98,900		75,267		174,167
SMG	33,770		28,899		62,669
Total segment assets					$	703,542
Total other assets					1,462,691
Total consolidated assets					$	2,166,233

Assets as of June 30, 2025
U.S. Pawn	$	221,059	$	166,374	$	387,433
Latin America Pawn	70,575		59,115		129,690
Total segment assets					$	517,123
Total other assets					1,365,945
Total consolidated assets					$	1,883,068

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
Total other assets					1,395,256
Total consolidated assets					$	1,951,209

- Definition

Tabular disclosure of segment reporting. Includes, but is not limited to, reconciliation of reportable segment amount to corresponding consolidated total.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 31
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-31

Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 34
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-34

Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 32
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-32

Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 30
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-30

Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 26C
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-26C

Reference 6: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 26B
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-26B

Reference 7: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 26A
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-26A

Reference 8: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 25
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-25

Reference 9: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 22
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-22

Reference 10: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 15
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-15

+ Details