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CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
$ in Thousands
12 Months Ended
Sep. 30, 2024
Sep. 30, 2023
Sep. 30, 2022
Operating activities:      
Net income $ 83,095 $ 38,463 $ 50,160
Adjustments to reconcile net income to net cash provided by operating activities:      
Depreciation and amortization 33,069 32,131 32,140
Amortization of debt discount and deferred financing costs 1,605 1,561 1,433
Non-cash lease expense 58,393 56,937 52,201
Deferred income taxes 1,354 (12,802) 4,945
Impairment of other assets 843 4,343 0
Other adjustments 789 (2,890) 2,511
Provision for inventory reserve 73 603 (2,253)
Stock compensation expense 10,406 9,539 5,053
Equity in net (income) loss from investment in unconsolidated affiliates (4,711) 28,459 (1,779)
Net loss on extinguishment of debt 0 3,545 0
Changes in operating assets and liabilities, net of business acquisitions:      
Service charges and fees receivable (5,217) (4,204) (4,572)
Inventory (8,488) (4,810) (15,341)
Prepaid expenses, other current assets and other assets (8,638) (1,814) 3,238
Accounts payable, accrued expenses and other liabilities (57,158) (61,522) (65,141)
Customer layaway deposits 2,950 1,376 3,359
Income taxes 5,235 12,919 (2,785)
Dividends from unconsolidated affiliates 0 0 3,366
Net cash provided by operating activities 113,600 101,834 66,535
Investing activities:      
Loans made (937,014) (821,725) (740,057)
Loans repaid 522,497 458,854 410,523
Recovery of pawn loan principal through sale of forfeited collateral 363,396 336,349 274,423
Capital expenditures, net (35,764) (40,446) (31,895)
Acquisitions, net of cash acquired (12,113) (14,874) (1,850)
Proceeds from note receivable 421    
Issuance of note receivable   (15,500) (1,000)
Investment in unconsolidated affiliate (1,131) (2,133) (6,927)
Investment in other investments (15,680) (15,000) (16,500)
Dividends from unconsolidated affiliates 3,535 3,589 0
Net cash used in investing activities (111,853) (110,886) (113,283)
Financing activities:      
Taxes paid related to net share settlement of equity awards (3,294) (1,148) (792)
Proceeds from borrowings 0 230,000 0
Debt issuance cost 0 (7,458) 0
Cash paid on extinguishment of debt 0 (1,951) 0
Payments on assumed debt (34,389) (178,488) 0
Purchase and retirement of treasury stock (12,008) (16,988) (2,040)
Payments of finance leases (492) (275) 0
Net cash (used in) provided by financing activities (50,183) 23,692 (2,832)
Effect of exchange rate changes on cash and cash equivalents and restricted cash (725) (41) 325
Net (decrease) increase in cash and cash equivalents and restricted cash (49,161) 14,599 (49,255)
Cash and cash equivalents and restricted cash at beginning of period 228,968 214,369 263,624
Cash and cash equivalents and restricted cash at end of period $ 179,807 $ 228,968 $ 214,369