Segment Information (Tables)

12 Months Ended

Sep. 30, 2024

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.


	Fiscal Year Ended September 30, 2024
(in thousands)	U.S. Pawn		Latin America Pawn		Other Investments		Total Segments		Corporate Items		Consolidated

Revenues:
Merchandise sales	$	459,251	$	204,485	$	—	$	663,736	$	—	$	663,736
Jewelry scrapping sales	54,344		6,738		—		61,082		—		61,082
Pawn service charges	322,362		114,183		—		436,545		—		436,545
Other revenues	126		78		35		239		—		239
Total revenues	836,083		325,484		35		1,161,602		—		1,161,602
Merchandise cost of goods sold	288,894		138,509		—		427,403		—		427,403
Jewelry scrapping cost of goods sold	45,926		6,000		—		51,926		—		51,926

Gross profit	501,263		180,975		35		682,273		—		682,273
Segment and corporate expenses (income):
Store expenses	325,816		135,239		—		461,055		—		461,055
General and administrative	—		—		—		—		75,557		75,557
Impairment of other assets	—		—		—		—		843		843
Depreciation and amortization	10,147		8,865		—		19,012		14,057		33,069
Loss (gain) on sale or disposal of assets and other	3		(140)		—		(137)		121		(16)
Other operating income	—		—		—		—		(765)		(765)
Interest expense	—		—		—		—		13,585		13,585
Interest income	—		(1,612)		(2,422)		(4,034)		(6,541)		(10,575)
Equity in net (income) loss of unconsolidated affiliates	—		—		(4,993)		(4,993)		282		(4,711)
Other income	7		(218)		—		(211)		(1,166)		(1,377)
Segment contribution	$	165,290	$	38,841	$	7,450	$	211,581
Income (loss) before income taxes							$	211,581	$	(95,973)	$	115,608


	Fiscal Year Ended September 30, 2023
(in thousands)	U.S. Pawn		Latin America Pawn		Other Investments		Total Segments		Corporate Items		Consolidated

Revenues:
Merchandise sales	$	432,578	$	182,868	$	—	$	615,446	$	—	$	615,446
Jewelry scrapping sales	43,305		6,223		—		49,528		—		49,528
Pawn service charges	285,919		97,853		—		383,772		—		383,772
Other revenues	119		121		55		295		—		295
Total revenues	761,921		287,065		55		1,049,041		—		1,049,041
Merchandise cost of goods sold	267,874		126,905		—		394,779		—		394,779
Jewelry scrapping cost of goods sold	37,709		6,715		—		44,424		—		44,424

Gross profit	456,338		153,445		55		609,838		—		609,838
Segment and corporate expenses (income):
Store expenses	299,319		119,255		—		418,574		—		418,574
General and administrative	—		(3)		—		(3)		67,532		67,529
Impairment of other assets	—		—		—		—		4,343		4,343
Depreciation and amortization	10,382		9,191		—		19,573		12,558		32,131
Loss (gain) on sale or disposal of assets and other	115		(289)		—		(174)		382		208
Other operating Income	—		(5,097)		—		(5,097)		—		(5,097)
Interest expense	—		—		—		—		16,456		16,456
Interest income	(2)		(1,139)		(1,500)		(2,641)		(4,829)		(7,470)
Equity in net loss of unconsolidated affiliates	—		—		28,459		28,459		—		28,459

Other (income) expense	—		(131)		31		(100)		3,172		3,072
Segment contribution	$	146,524	$	31,658	$	(26,935)	$	151,247
Income (loss) before income taxes							$	151,247	$	(99,614)	$	51,633


	Fiscal Year Ended September 30, 2022
(in thousands)	U.S. Pawn		Latin America Pawn		Other Investments		Total Segments		Corporate Items		Consolidated

Revenues:
Merchandise sales	$	391,958	$	140,928	$	—	$	532,886	$	—	$	532,886
Jewelry scrapping sales	25,739		6,294		—		32,033		—		32,033
Pawn service charges	240,982		79,883		—		320,865		—		320,865
Other revenues	83		247		111		441		—		441
Total revenues	658,762		227,352		111		886,225		—		886,225
Merchandise cost of goods sold	230,241		99,141		—		329,382		—		329,382
Jewelry scrapping cost of goods sold	22,755		5,941		—		28,696		—		28,696

Gross profit	405,766		122,270		111		528,147		—		528,147
Segment and corporate expenses (income):
Store expenses	266,114		91,303		—		357,417		—		357,417
General and administrative	—		—		—		—		64,342		64,342

Depreciation and amortization	10,552		7,913		—		18,465		13,675		32,140
Loss (gain) on sale or disposal of assets	51		(37)		—		14		(688)		(674)

Interest expense	—		—		—		—		9,972		9,972
Interest income	(2)		(815)		—		(817)		—		(817)
Equity in net income of unconsolidated affiliates	—		—		(1,779)		(1,779)		—		(1,779)

Other (income) expense	—		(148)		52		(96)		(71)		(167)
Segment contribution	$	129,051	$	24,054	$	1,838	$	154,943
Income (loss) before income taxes							$	154,943	$	(87,230)	$	67,713

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(a)		Corporate		Total

Assets 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

Assets as of September 30, 2023
Pawn loans	$	190,624	$	55,142	$	—	$	—	245,766
Pawn service charges receivable, net	34,318		4,567		—		—		38,885
Inventory, net	128,901		37,576		—		—		166,477
Total assets	984,539		313,164		63,707		106,301		1,467,711

(a) Segment assets as of September 30, 2023 have been recast to conform to current year presentation as CCV no longer meets the 10 percent threshold to be considered its own segment

Schedule of Revenues by Geographic Information

The following tables provide geographic information:


	Fiscal Year Ended September 30,
(in thousands)	2024		2023		2022

Revenues:
United States	$	836,083	$	761,921	$	658,762
Mexico	247,613		223,765		173,122
Other Latin America	77,871		63,300		54,230
Other Investments	35		55		111
Total revenues	$	1,161,602	$	1,049,041	$	886,225

Schedule of Long-lived Assets by Geographic Information


	September 30,
(in thousands)	2024		2023

Property and equipment, net:
United States	$	35,634	$	37,695
Mexico	21,839		$	24,033
Other Latin America	8,500		$	6,368

Property and equipment, net	$	65,973	$	68,096