Income Taxes (Tables)

12 Months Ended

Sep. 30, 2025

Income Tax Disclosure [Abstract]

Schedule of Domestic and Foreign Income Components

The following table presents the components of our income before income taxes, including inter-segment amounts:

	Fiscal Year Ended September 30,
(in thousands)	2025		2024		2023
Domestic*	$	106,379	$	82,703	$	26,209
Foreign	40,394		32,905		25,424
Total	$	146,773	$	115,608	$	51,633

*    Includes the majority of our corporate administrative costs. See Note 13: Segment Information for information pertaining to segment contribution.

Schedule of Components of Income Tax Provision

The following table presents the significant components of the income tax provision:

	Fiscal Year Ended September 30,
(in thousands)	2025		2024		2023
Current:
Federal	$	25,530	$	20,176	$	18,753
State and foreign	14,714		10,983		7,219
Total	40,244		31,159		25,972
Deferred:
Federal	(1,947)		(1,719)		(11,182)
State and foreign	(1,137)		3,073		(1,620)
Total	(3,084)		1,354		(12,802)
Total income tax expense	$	37,160	$	32,513	$	13,170

Schedule of Reconciliation of Income Taxes Calculated at the Statutory Rate and the Provision for Income Taxes

The following table presents a reconciliation of income taxes calculated at the statutory rate and the provision for income taxes:

	Fiscal Year Ended September 30,
(in thousands)	2025			2024			2023
Income tax expense (benefit) at the federal statutory rate	$	30,833		$	24,278		$	10,843
State taxes, net of federal benefit	2,857			3,421			1,814
Mexico inflation adjustment	(1,518)			(2,154)			(1,787)
Non-deductible items	3,694			4,169			2,655
Foreign rate differential	2,081			2,098			2,381
Change in valuation allowance	(365)			(411)			311
Stock compensation	(527)			(202)			(62)
Uncertain tax positions	259			(198)			(174)
Foreign withholding tax	—			998			—
Deferred tax true-up	—			587			(165)
Dividends received deduction	(2,614)			(742)			(754)
Non-deductible loss on debt restructuring	—			—			1,710
U.S. GAAP/statutory book adjustments	760			(239)			(1,143)
Other	1,700			908			(2,459)
Total income tax expense	$	37,160		$	32,513		$	13,170
Effective tax rate	25		%	28		%	26		%

Schedule of Significant Components of Deferred Tax Assets and Liabilities

The following table shows significant components of our deferred tax assets and liabilities:

	September 30,
(in thousands)	2025		2024
Deferred tax assets:
Cash Converters	$	19,108	$	20,051
Tax over book inventory	10,646		8,595
Accrued liabilities	11,092		7,958
Pawn service charges receivable	3,705		3,182
Stock compensation	2,334		1,718
Foreign tax credit	942		1,696
State and foreign net operating loss carryforwards	12,715		13,030
Book over tax depreciation	6,444		7,052
Operating lease liabilities	15,929		52,444
Other	7,433		6,510
Total deferred tax assets before valuation allowance	90,348		122,236
Valuation allowance	(15,231)		(15,685)
Total deferred tax assets, net	75,117		106,551
Deferred tax liabilities:
Tax over book amortization	30,367		31,436
Right-of-use assets, net	15,806		49,747
Prepaid expenses	2,060		2,086
Total deferred tax liabilities	48,233		83,269
Net deferred tax asset	$	26,884	$	23,282

Schedule of Unrecognized Tax Benefits

The following table presents a roll-forward of unrecognized tax benefits:

	Fiscal Year Ended September 30,
(in thousands)	2025		2024		2023
Beginning balance	$	2,801	$	3,293	$	3,568
Increase for tax positions taken during a prior period	625		223		396
Decrease for tax positions taken during a prior period	(47)		(337)		(259)
Decrease for tax positions as a result of the lapse of the statute of limitations	(404)		(378)		(412)
Ending balance	$	2,975	$	2,801	$	3,293