| Schedule of Reconciliation of Operating Profit (Loss) from Segments to Consolidated |
The following tables present reportable segment information for the three and nine month periods ended September 30, 2026 and 2025, as well as certain segment assets (in thousands):
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Three Months Ended September 30, 2026 | | U.S. Pawn | | Latin America Pawn | | U.K. Pawn | | Retail POS Payment Solutions | | Corporate/ Intersegment Eliminations | | Consolidated | | Revenue: | | | | | | | | | | | | | Retail merchandise sales | $ | 278,937 | | | $ | 179,935 | | | $ | 22,527 | | | $ | — | | | $ | (418) | | | $ | 480,981 | | | Pawn loan fees | 155,939 | | | 83,103 | | | 28,248 | | | — | | | — | | | 267,290 | | | Leased merchandise income | — | | | — | | | — | | | 103,057 | | | — | | | 103,057 | | Interest and fees on retail finance products | — | | | — | | | — | | | 73,749 | | | — | | | 73,749 | | | Wholesale scrap jewelry sales | 79,827 | | | 47,668 | | | 45,046 | | | — | | | — | | | 172,541 | | | Other revenue | — | | | — | | | 3,549 | | | — | | | — | | | 3,549 | | | Total revenue | 514,703 | | | 310,706 | | | 99,370 | | | 176,806 | | | (418) | | | 1,101,167 | | | | | | | | | | | | | | | Cost of revenue: | | | | | | | | | | | | | Cost of retail merchandise sold | 162,007 | | | 117,341 | | | 15,161 | | | — | | | (235) | | | 294,274 | | | Depreciation of leased merchandise | — | | | — | | | — | | | 63,256 | | | (143) | | | 63,113 | | | Provision for lease losses | — | | | — | | | — | | | 17,015 | | | 6 | | | 17,021 | | | Provision for loan losses | — | | | — | | | — | | | 40,790 | | | — | | | 40,790 | | | Cost of wholesale scrap jewelry sold | 67,572 | | | 39,884 | | | 32,703 | | | — | | | — | | | 140,159 | | | Other cost of revenue | — | | | — | | | 267 | | | — | | | — | | | 267 | | | Total cost of revenue | 229,579 | | | 157,225 | | | 48,131 | | | 121,061 | | | (372) | | | 555,624 | | | | | | | | | | | | | | | Net revenue | 285,124 | | | 153,481 | | | 51,239 | | | 55,745 | | | (46) | | | 545,543 | | | | | | | | | | | | | | | Expenses and other income: | | | | | | | | | | | | | Operating expenses | 142,399 | | | 84,341 | | | 20,529 | | | 21,837 | | | — | | | 269,106 | | | Administrative expenses | — | | | — | | | — | | | — | | | 66,723 | | | 66,723 | | | Depreciation and amortization | 9,437 | | | 4,568 | | | 1,510 | | | 749 | | | 16,019 | | | 32,283 | | | Interest expense | — | | | — | | | — | | | — | | | 37,678 | | | 37,678 | | | Interest income | — | | | — | | | — | | | — | | | (434) | | | (434) | | Gain on foreign exchange | — | | | — | | | — | | | — | | | (435) | | | (435) | | | Merger and acquisition expenses | — | | | — | | | — | | | — | | | 3,760 | | | 3,760 | | Other income, net | — | | | — | | | — | | | — | | | (1,805) | | | (1,805) | | | | | | | | | | | | | | | Total expenses and other income | 151,836 | | | 88,909 | | | 22,039 | | | 22,586 | | | 121,506 | | | 406,876 | | | | | | | | | | | | | | | Income (loss) before income taxes | $ | 133,288 | | | $ | 64,572 | | | $ | 29,200 | | | $ | 33,159 | | | $ | (121,552) | | | $ | 138,667 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Nine Months Ended September 30, 2026 | | U.S. Pawn | | Latin America Pawn | | U.K. Pawn | | Retail POS Payment Solutions | | Corporate/ Intersegment Eliminations | | Consolidated | | Revenue: | | | | | | | | | | | | | Retail merchandise sales | $ | 838,442 | | | $ | 514,092 | | | $ | 65,839 | | | $ | — | | | $ | (1,295) | | | $ | 1,417,078 | | | Pawn loan fees | 463,809 | | | 239,321 | | | 89,299 | | | — | | | — | | | 792,429 | | | Leased merchandise income | — | | | — | | | — | | | 348,743 | | | — | | | 348,743 | | | Interest and fees on retail finance products | — | | | — | | | — | | | 222,046 | | | — | | | 222,046 | | | Wholesale scrap jewelry sales | 199,530 | | | 106,454 | | | 131,170 | | | — | | | — | | | 437,154 | | | Other revenue | — | | | — | | | 10,056 | | | — | | | — | | | 10,056 | | | Total revenue | 1,501,781 | | | 859,867 | | | 296,364 | | | 570,789 | | | (1,295) | | | 3,227,506 | | | | | | | | | | | | | | | Cost of revenue: | | | | | | | | | | | | | Cost of retail merchandise sold | 477,416 | | | 335,170 | | | 46,047 | | | — | | | (691) | | | 857,942 | | | Depreciation of leased merchandise | — | | | — | | | — | | | 216,309 | | | (487) | | | 215,822 | | | Provision for lease losses | — | | | — | | | — | | | 71,462 | | | (258) | | | 71,204 | | | Provision for loan losses | — | | | — | | | — | | | 123,564 | | | — | | | 123,564 | | | Cost of wholesale scrap jewelry sold | 164,631 | | | 89,691 | | | 81,633 | | | — | | | — | | | 335,955 | | | Other cost of revenue | — | | | — | | | 1,425 | | | — | | | — | | | 1,425 | | | Total cost of revenue | 642,047 | | | 424,861 | | | 129,105 | | | 411,335 | | | (1,436) | | | 1,605,912 | | | | | | | | | | | | | | | Net revenue | 859,734 | | | 435,006 | | | 167,259 | | | 159,454 | | | 141 | | | 1,621,594 | | | | | | | | | | | | | | | Expenses and other income: | | | | | | | | | | | | | Operating expenses | 428,623 | | | 247,249 | | | 60,962 | | | 69,439 | | | — | | | 806,273 | | | Administrative expenses | — | | | — | | | — | | | — | | | 199,326 | | | 199,326 | | | Depreciation and amortization | 27,207 | | | 14,155 | | | 4,306 | | | 2,199 | | | 48,372 | | | 96,239 | | | Interest expense | — | | | — | | | — | | | — | | | 107,908 | | | 107,908 | | | Interest income | — | | | — | | | — | | | — | | | (1,078) | | | (1,078) | | Loss on foreign exchange | — | | | — | | | — | | | — | | | 201 | | | 201 | | | Merger and acquisition expenses | — | | | — | | | — | | | — | | | 10,983 | | | 10,983 | | Other income, net | — | | | — | | | — | | | — | | | (9,055) | | | (9,055) | | | | | | | | | | | | | | | Total expenses and other income | 455,830 | | | 261,404 | | | 65,268 | | | 71,638 | | | 356,657 | | | 1,210,797 | | | | | | | | | | | | | | | Income (loss) before income taxes | $ | 403,904 | | | $ | 173,602 | | | $ | 101,991 | | | $ | 87,816 | | | $ | (356,516) | | | $ | 410,797 | | | | | | | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | As of September 30, 2026 | | U.S. Pawn | | Latin America Pawn | | U.K. Pawn | | Retail POS Payment Solutions | | Corporate/ Intersegment Eliminations | | Consolidated | | Pawn loans | $ | 487,245 | | | $ | 205,484 | | | $ | 214,941 | | | $ | — | | | $ | — | | | $ | 907,670 | | | Finance receivables, net | — | | | — | | | — | | | 124,115 | | | — | | | 124,115 | | | Inventories | 336,233 | | | 155,690 | | | 106,628 | | | — | | | — | | | 598,551 | | | Leased merchandise, net | — | | | — | | | — | | | 74,761 | | | (56) | | | 74,705 | | | Goodwill | 1,215,044 | | | 193,404 | | | 140,546 | | | 486,205 | | | — | | | 2,035,199 | | | Total assets | 3,065,595 | | | 863,943 | | | 603,867 | | | 769,286 | | | 256,482 | | | 5,559,173 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Three Months Ended September 30, 2025 | | U.S. Pawn | | Latin America Pawn | | U.K. Pawn | | Retail POS Payment Solutions | | Corporate/ Intersegment Eliminations | | Consolidated | | Revenue: | | | | | | | | | | | | | Retail merchandise sales | $ | 252,963 | | | $ | 144,644 | | | $ | 14,066 | | | $ | — | | | $ | (705) | | | $ | 410,968 | | | Pawn loan fees | 138,867 | | | 67,199 | | | 15,022 | | | — | | | — | | | 221,088 | | | Leased merchandise income | — | | | — | | | — | | | 132,540 | | | — | | | 132,540 | | Interest and fees on retail finance products | — | | | — | | | — | | | 81,683 | | | — | | | 81,683 | | | Wholesale scrap jewelry sales | 45,607 | | | 17,831 | | | 23,272 | | | — | | | — | | | 86,710 | | | Other revenue | — | | | — | | | 2,590 | | | — | | | — | | | 2,590 | | | Total revenue | 437,437 | | | 229,674 | | | 54,950 | | | 214,223 | | | (705) | | | 935,579 | | | | | | | | | | | | | | | Cost of revenue: | | | | | | | | | | | | | Cost of retail merchandise sold | 145,411 | | | 92,931 | | | 10,755 | | | — | | | (374) | | | 248,723 | | | Depreciation of leased merchandise | — | | | — | | | — | | | 76,253 | | | (225) | | | 76,028 | | | Provision for lease losses | — | | | — | | | — | | | 28,005 | | | (85) | | | 27,920 | | | Provision for loan losses | — | | | — | | | — | | | 40,347 | | | — | | | 40,347 | | | Cost of wholesale scrap jewelry sold | 38,520 | | | 15,000 | | | 14,700 | | | — | | | — | | | 68,220 | | | Other cost of revenue | — | | | — | | | 634 | | | — | | | — | | | 634 | | | Total cost of revenue | 183,931 | | | 107,931 | | | 26,089 | | | 144,605 | | | (684) | | | 461,872 | | | | | | | | | | | | | | | Net revenue | 253,506 | | | 121,743 | | | 28,861 | | | 69,618 | | | (21) | | | 473,707 | | | | | | | | | | | | | | | Expenses and other income: | | | | | | | | | | | | | Operating expenses | 133,024 | | | 70,327 | | | 10,225 | | | 22,952 | | | — | | | 236,528 | | | Administrative expenses | — | | | — | | | — | | | — | | | 58,845 | | | 58,845 | | | Depreciation and amortization | 8,464 | | | 4,443 | | | 742 | | | 687 | | | 14,698 | | | 29,034 | | | Interest expense | — | | | — | | | — | | | — | | | 32,216 | | | 32,216 | | | Interest income | — | | | — | | | — | | | — | | | (908) | | | (908) | | Gain on foreign exchange | — | | | — | | | — | | | — | | | (219) | | | (219) | | | Merger and acquisition expenses | — | | | — | | | — | | | — | | | 9,472 | | | 9,472 | | Other income, net | — | | | — | | | — | | | — | | | (3,740) | | | (3,740) | | | | | | | | | | | | | | | Total expenses and other income | 141,488 | | | 74,770 | | | 10,967 | | | 23,639 | | | 110,364 | | | 361,228 | | | | | | | | | | | | | | | Income (loss) before income taxes | $ | 112,018 | | | $ | 46,973 | | | $ | 17,894 | | | $ | 45,979 | | | $ | (110,385) | | | $ | 112,479 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Nine Months Ended September 30, 2025 | | U.S. Pawn | | Latin America Pawn | | U.K. Pawn | | Retail POS Payment Solutions | | Corporate/ Intersegment Eliminations | | Consolidated | | Revenue: | | | | | | | | | | | | | Retail merchandise sales | $ | 754,106 | | | $ | 401,132 | | | $ | 14,066 | | | $ | — | | | $ | (2,155) | | | $ | 1,167,149 | | | Pawn loan fees | 407,763 | | | 180,996 | | | 15,022 | | | — | | | — | | | 603,781 | | | Leased merchandise income | — | | | — | | | — | | | 429,242 | | | — | | | 429,242 | | | Interest and fees on retail finance products | — | | | — | | | — | | | 231,171 | | | — | | | 231,171 | | | Wholesale scrap jewelry sales | 107,839 | | | 37,580 | | | 23,272 | | | — | | | — | | | 168,691 | | | Other revenue | — | | | — | | | 2,590 | | | — | | | — | | | 2,590 | | | Total revenue | 1,269,708 | | | 619,708 | | | 54,950 | | | 660,413 | | | (2,155) | | | 2,602,624 | | | | | | | | | | | | | | | Cost of revenue: | | | | | | | | | | | | | Cost of retail merchandise sold | 434,318 | | | 259,249 | | | 10,755 | | | — | | | (1,149) | | | 703,173 | | | Depreciation of leased merchandise | — | | | — | | | — | | | 243,925 | | | (806) | | | 243,119 | | | Provision for lease losses | — | | | — | | | — | | | 88,276 | | | (251) | | | 88,025 | | | Provision for loan losses | — | | | — | | | — | | | 118,468 | | | — | | | 118,468 | | | Cost of wholesale scrap jewelry sold | 92,009 | | | 31,770 | | | 14,700 | | | — | | | — | | | 138,479 | | | Other cost of revenue | — | | | — | | | 634 | | | — | | | — | | | 634 | | | Total cost of revenue | 526,327 | | | 291,019 | | | 26,089 | | | 450,669 | | | (2,206) | | | 1,291,898 | | | | | | | | | | | | | | | Net revenue | 743,381 | | | 328,689 | | | 28,861 | | | 209,744 | | | 51 | | | 1,310,726 | | | | | | | | | | | | | | | Expenses and other income: | | | | | | | | | | | | | Operating expenses | 395,790 | | | 196,158 | | | 10,225 | | | 71,434 | | | — | | | 673,607 | | | Administrative expenses | — | | | — | | | — | | | — | | | 166,631 | | | 166,631 | | | Depreciation and amortization | 24,155 | | | 13,173 | | | 742 | | | 2,091 | | | 40,239 | | | 80,400 | | | Interest expense | — | | | — | | | — | | | — | | | 86,024 | | | 86,024 | | | Interest income | — | | | — | | | — | | | — | | | (2,664) | | | (2,664) | | Gain on foreign exchange | — | | | — | | | — | | | — | | | (1,504) | | | (1,504) | | | Merger and acquisition expenses | — | | | — | | | — | | | — | | | 12,711 | | | 12,711 | | Other income, net | — | | | — | | | — | | | — | | | (9,254) | | | (9,254) | | | | | | | | | | | | | | | Total expenses and other income | 419,945 | | | 209,331 | | | 10,967 | | | 73,525 | | | 292,183 | | | 1,005,951 | | | | | | | | | | | | | | | Income (loss) before income taxes | $ | 323,436 | | | $ | 119,358 | | | $ | 17,894 | | | $ | 136,219 | | | $ | (292,132) | | | $ | 304,775 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | As of September 30, 2025 | | U.S. Pawn | | Latin America Pawn | | U.K. Pawn | | Retail POS Payment Solutions | | Corporate/ Intersegment Eliminations | | Consolidated | | Pawn loans | $ | 426,288 | | $ | 173,203 | | $ | 188,639 | | | $ | — | | $ | — | | | $ | 788,130 | | | Finance receivables, net | — | | — | | — | | | 153,134 | | — | | | 153,134 | | | Inventories | 266,452 | | 124,081 | | 65,740 | | | — | | — | | | 456,273 | | | Leased merchandise, net | — | | — | | — | | | 99,909 | | (184) | | | 99,725 | | | Goodwill | 1,156,052 | | | 189,061 | | | 139,040 | | | 486,205 | | | — | | | 1,970,358 | | | Total assets | 2,800,729 | | | 780,099 | | | 546,739 | | | 887,899 | | | 166,850 | | | 5,182,316 | |
|